All Forum Posts by: Shalom Afraimian

@Jay Hinrichs where did you get a foreign national owner occ?

@Chris Mason Any thoughts about ways for obtaining financing without using hard money and still not qualifying for a conventional? More money down?

Hi all So after investing, it’s time to think about my own place ;) As I am not a “conventional” applicant - not on a W2, about two years in the US - are there any financial solutions for financing a purchase of a primary residence? I do understand I’m exposed to different rates but I’m trying to find myself a solution and still be able to obtain a mortgage. Ideas/recommendations?

Lately I have started to list my properties by myself. When saying by myself I mean either a flat fee service or using a realtor that his name is on the listing but my number and email are there and all communications are going to/through me. I have stated 3% going to the buyers agent of course, but for some reason I feel like this kind of listings are slower (all though the mechanism is the same and the exposure is the same as if I had a sellers agent). What led me to decide to do that was the feeing that a 3% for seller agent is going mainly to put it on the market with a lockbox and most of the job later would be of the buyers agents who actually going and showing etc. Needles to say once there is a contract the communication is mainly with the title co and scheduling inspection/appraisal if needed and that’s it. I just couldn’t understand the sellers agent part. Do you believe or think that buyers agents trying to avoid showing and dealing with direct seller? I’ve been told that a lot of them don’t want to “deal” with someone who might be emotionally invested in the transaction... Thanks for your thoughts - great community