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Bankruptcy Gainesville Fl

November 3rd, 2009 admin Leave a comment Go to comments

Should I sell my home short?

My situation: I have a home in Gainesville, FL, I can rent to students each year. Today I have to pay $ 805/month to cover the mortgage. The mortgages in 1796 and I'm renting for 1200. I can not increase the rent because of the horrible rental market. The house is a worth between $ 150,000 – $ 160,000. Currently I have $ 178,000 in this, I took a loan two years for $ 180,000. My current fixed interest rate is 8.4%, but after of September 1, 2012, will be flexible and up to 15.4%. My question is if I am selling now or pay $ 805/month and try your luck at the end of 2011 for sell or whether to cut my losses now and do a short sale. The house is very bad and my finances if something were to break like a plumbing problem or an A / C or repair ceiling, I'm in serious trouble. Please let me know your thoughts … Additional Details Keywords: short sales excluding forced sales Bankruptcy

The bank is unlikely to agree to a short sale, it would be preferable to exclude, then come after you to pay the deficit because it is owned investment. It was a bad investment, I can not imagine what you have to buy it. I would try to wait out until 2012.

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