Our Lady of Foreclosure

The fed was not to blame nor was the Bush Admin and they can all shove their bullshit up their fucking ass.

Seriously Seeking “Advise”

Victorian House by ~smokleopian

I’m not much of a condo person and have been watching the market for the past couple of years in hopes of an upgrade to a real house (or multiplex) that isn’t subject to the whims of an HOA.
Other than tracking a few properties online, I haven’t been actively looking and instead waiting for prices to drop. One of them is a short sale that has dropped nearly 300K below the Zillow Zestimate and looks like a pretty sweet deal, so I viewed it today and am considering making an offer. Supposedly two other offers were already submitted. Ideally, I would prefer to make an offer subject to sale of my condo, yet I do have a line of credit that would allow me to put 20% down without contingencies and enough equity to list my place at a below market value. While it’s an old house (with the structural issues one finds in Victorians), whoever owned the place before the “facing foreclosure guy”, put some money into upgrading plumbing, electrical, central heating and air conditioning, automatic watering, etc., so it’s not in bad shape in comparison to many similar ones I’ve looked into and has the added bonus of commercial zoning in a downtown location, so if all else fails could be raised and replaced with a commercial building. In essence, I like the location, the house has potential and the price is quite nice, but I’m risk adverse and unsure whether to risk an offer without a contingency of sale – even if I could wing it for a few months.
Onto the bizarre viewing experience today…The place was supposedly vacant, but this guy was there apparently cleaning and said we couldn’t view one of the bedrooms because someone was asleep in there. He didn’t have a strong command of the English language (to say the least), so we assumed he was hired by the selling agent in preparation for an open house she was holding an hour later. Well we later realized the “cleaning guy” was in fact the “owner” of the house and bought it over a year ago for over 100% financing. He currently owes one lender 600K and the 2nd 150K and it’s currently listed for significantly less. He seemed so nonchalant about the whole thing one would never know he owned the house. When we asked him specific questions about the roof, electrical, zoning, etc. he really didn’t seem to have a clue. Apparently when it was first listed there were appliances that are now missing. He said they were broken, but one wonders if he pawned them to pay mortgage payments he couldn’t afford. Overall, it was a perfect example of why there’s a mortgage meltdown. If the guy barely knew anything about the electrical upgrades, roof, plumbing, retrofitting, etc. of the house he bought for over 3 quarters of a million dollars how could he possibly understand what he was getting himself into? Given his poor English, I wonder if his original brokers spoke Spanish. Most likely, they didn’t or if they did, clearly didn’t explain what he was financially responsible for. WTF?

Buddha-like Tentacle Hand

I really like Marco Guerra and Yasmina Alaoui's artwork recently featured on Zillow Book.

I want a monkey

While reviewing sweet erotica possibilities, I was semi-watching something on some nature channel and noting how much better monkeys are than most humans (particularly those of the Bush Admin sort).
Those baboons sure look comfortable scratching their ass (not to mention sweet sea turtles seeking algae).

monkey stink finger

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Our Lady of the Snow

Our Lady of the Snow by Scrappyboy

Scrapiteria is filled with impressive cut and paste collages by a variety of artists. This week's theme is snow.

Speaking of cut and paste how about some more search term poetry? Here's the latest selection:
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going to jail in the 1950's

Crazy Buyers

Crazy by ~ellyrain

But according to some Bay Area real estate agents, the shifting market is bringing out more wacko buyers. Even as the softer market is compelling more real estate agents to hold high-end properties open to the public, many are also stepping up their security measures: asking visitors to sign in at a computer, or requiring that touring agents provide a card at a broker's tour.

"In my experience of 28 years, it doesn't happen often," says Hill & Co.'s Stephanie Ahlberg. "But real estate goes in cycles. And when the market is uncertain, it seems like all the fruits and the nuts come out." She says that in the past few months she's encountered an abundance of bizarre buyers — including those who pretend to be able to afford what they cannot and those who make "ridiculously low offers" on listings.
Impostor buyers: When looky-loos go psycho

Driving Camels

Prophet YAHWEH's teachings:
But, what am I doing - summoning UFOs and spacecraft in the alley of a run down neighborhood with boarded up homes.



On top of all this, I am loosing all I have gained, over the years, to pawn shops.