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  1. etheran_IHB

    Graphx do you have a time series chart on rental growth rate versus interest rates and interest rate versus median home prices?

    What I am struggling with is inflation. Inflation should help real assets but homes are finance based real assets that should behave inversely with interest rates. I am wondering if rental rate growth rates escalate with inflation or not really. Thanks.
  2. etheran_IHB

    Pentagon Federal Credit Union - to refinance

    Has anyone use the Pentagon Federal Credit Union to refinance? Also has anyone tried to become a member by paying a fee? If anyone has, please let me know. What are the major criterias? I have a jumbo loan with probably 75% LTV. Thanks.
  3. etheran_IHB

    Monthly Gardening Costs?? I have an okay size back yard.. not too big, a little front yard and a 3 ft strip side slope yard with flowers (no grass) on

    I am told that I am getting ripped off by my collegue since I am paying $150/month. How much do you guys pay?
  4. etheran_IHB

    What is that tract of homes southeast of UCI and west of Turtle Rock/Ridge

    I am talking about the homes on the cliff when you drive up culver to your left. Is that Newport Beach or Irvine? I also see a new tract getting built by Cal Pac just one level below those on the cliff.
  5. etheran_IHB

    Home Owners Insurance - what is recommended?

    First time home buyer here so I need to buy some home insurance. I am honestly confused about how much is needed. Also, what should I watch out for? Any particular insurance company is best in terms of value/performance? Also, of course, we can also add auto insurance to get a multiline discount..
  6. etheran_IHB

    Joint Tenancy? Community Property? which is better for tax reasons?

    Which is better for a new buyer? Joint Tenancy? Community Property? Community Property with survivorship rights? What is better from a legal standpoint and for a tax standpoint? Under the assumption that we are married and in California and if I passed away, I want my wife to get the best...
  7. etheran_IHB

    Negotiating Tactics/Strategy for Buyers

    Please respond if you have actually purchased a place using your strategy. I am of course a first time home buyer. I found a place that we believe is overvalued still. Let's use an example: Asking $1mm but we believe the value is more like $850,000. How do we get the seller to arrive at my...
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