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I purchased a house for $120,000 FHA loan in 2009 and now I don’t like the neighborhood and would like to sell the house and get another house in a different city of Arizona, but now I know that my house value is less than I purchased; probably around $96000. I am not sure what should I do! Should I accept the loss and also spend more on the new house’s closing cost, real estate agent and other costs, but that is too much and will hurt my budget or should I keep the existing home or rent it, but what If no one wants to rent it? Douglasville ?? I am really confused I don’t know what I should do. I need some advice please….. Thank You
How much do you currently owe on your loan? If you owe 118,000k still and manage to sell the house for 90k and you use a realtor... you're looking at paying around 35k to sell your house. Do you have 35k sitting in the bank that you can afford to pay to get out of the home? If so, then you should do it if you truly hate the neighborhood or feel unsafe. If you just don't like the neighborhood, you're better off staying there for a few more years to try to lessen your loss. You typically have to stay in a home 5-7 years to break even, and since you're underwater in your loan... it might be longer. You don't get to "accept the loss." You have to be prepared to bring the money to closing in order for the sale to be completed. If you have the money... not a problem, if you're willing and able to spend that much to get out of the house. If you don't have the money, then you'll need to look at staying in the current house or renting it out and renting a place of your own in a different neighborhood. What's the current market-rate rent for your area? Will you be able to make a profit, or will you lose money each month? Are you prepared financially if you get tenants who trash your home? Do you want to be a landlord? Does your mortgage allow you to rent your home? There's a lot to consider if you go the route of renting. Unless your current income would allow you to purchase a second home... you'll be renting yourself because you cannot immediately count the rent on your current home as income. Unless you feel truly unsafe in your new neighborhood... I would stay there. 35k is a lot of money, especially on a 120k home - and, you might not even have the money to get out of the house. Markets will stabilize and begin improving again over the next few years, plus it will give you time to pay more of the principle of your loan off. Good luck to you.
If selling and closing costs are 10% of the selling price, you're looking at about 30,000 cash dollars out of pocket all at once to sell. and that's before you pay moving costs and buy elsewhere. *** for most people, this makes the situation perfectly clear -- they can't come up with 30k cash and so they're stuck. if you can, you get to decide if the 30k is worth whatever you think the benefits of moving will be. *** sure, you can rent the house out. you should be able to find out what rental rates are in your area. offhand, i'd bet that you'll have to pay part of the mortgage out of your pocket each month because the rent won't cover the mortgage. btw, property taxes may go UP if you convert the house into a rental. insurance certainly will.
Well if you "accept the loss" that means you're either out $30k+ or you're handing the house back to the bank. No brainer, rent it at least until the market gets better and you can break even. You'll get a great tax deduction. And as time goes on the value of the house will go up, while your balance will go down thanks to the renters making your mortgage payment for you.
DO NOT rent the property it is too much of a pain in the neck for one property and you risk losing a lot of money if you get the wrong people in the unit.