Can my wife purchase a house in the state of Texas and put me on the deed after I fix my credit?

Q. I have lost my job and currently looking for a new one. I am also in the process of rebuilding my credit. In the meanwhile we are considering purchasing the house we are currently renting. My question is... in the state of Texas, can my wife get the loan on her own and put me on the deed later or refinance the loan with both of us once my credit is straightened out?

A. After the loan is made your spouse can legally add you to the title and the lender can't do anything about it. You don't have wait to fix your credit......however, is it wise to purchase a house when only one person is working?

Your wife would just give you 50% of her interest using a quit claim deed.....it will not effect the note or cause a calling in of the loan.

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How much is hydro ruffly for one person?

Q. Hi,
I am looking for a new apartment with more windows and wooden floors I found a place that I maybe interested into renting.
My question is how much is hydro ruffly for one person? and it is in a century home if that helps out.

Thank you :)

A. Is hydro the English equivalent of our Water bill? If that is correct, you can ask the prospective landlord if you might view a couple of examples of the regular water bill or visit the water company and ask your question. The current tenant may also be willing to discuss with you the amount you can expect to pay.

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First time renting question about landlord legitimacy?

Q. I am looking at an apartment today that I found for sale by owner. I have had a few conversations with her leading up to today and she seems legit, but I understand you have to also always be aware that the landlord/apt could be a scam. If I like the apartment upon viewing, and want to go forth with the renting process is it appropriate to ask for the landlord's id or a tax receipt (or something else...suggestions?) to prove she is who she says she is and it is her apartment.

Any suggestions are appreciated! Thanks!

A. if you express your concerns to her in a professional matter you should be fine. if she has a problem with it then just back out of it

Original Question

What is your right to privacy in a fraternity house?

Q. I realize that the living situation in a fraternity is a little different than those of a regular rented house. My question is, if those in a leadership position in a fraternity suspected that you had something in your room, such as drugs or alcohol, that were contrary to the Bylaws of that fraternity, which you signed an agreement to abide by, do they have a right to enter your room, if it is unlocked, and search for those things?
Does it vary depending in which state the fraternity is located in?

A. Yes, because the house belongs to the fraternity.

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How does renting a plane work?

Q. I'm looking into taking some flying lessons and getting my private pilot's licensce. I keep seeing stats on renting planes, but I have no clue how it works. For example, a plane might be advertised at $100 per hour, but how is that totaled up? If I fly from Atlanta GA to Savanah GA and it takes me 2 hours there and 2 hours back, but I stay the day there for 6 hours, am I paying $400 for just time spent in the air, or am I going to pay $1000 to include time spent on the ground?

A. Rental rates for planes are usually "wet" rates, meaning the price includes fuel. The charge is by the hour of flying time and may be called either Hobbs time or tach time. Hobbs time is just like a clock. Any time the master switch is on, the clock is running, racking up hours and tenths. Tach time, however, is only equal to Hobbs (or clock) time when the engine's rpm's are high, such as when the plane is actually flying. Thus, when the plane is on the ground, and taxiing, the engine rpm is very low, so renting by "tach time" is a better bargain. Typically, if you take a plane on a cross country trip, there will be a minimum charge per day (usually 2 hours). This varies with who you rent from. Your best bet BY FAR, is to join a local non-profit flying club. The rates will be much lower than renting from the "FBO" (fixed base operator) at the airport. On one of my many xc trips, I flew a Cessna 182 from WI to FL on tach time, stayed 10 days and was charged for flying time (of course) and an extra 2 hours of time per day. I also belonged to a flying club, so I can't tell you about an FBO's extra charges. Hope this helps. Feel free to email me w/questions: aavoucherjunkie@yahoo.com..

Original Question

What are some things to watch out for when renting a house privately?

Q. I have always rented apartments owned by big property management companies. I am looking into renting a house or townhouse later this year but am nervous about renting privately from the owner. What should look for/look out for with the person I would be renting from.

My main concerns are having to move out with little notice and appliances breaking and not getting fixed. Since so many of the houses are for sale or rent I am worried a buyer might come along and we would like to clear out immediately.

A. Good question. You will need to do some research. Whatever property you pick- research it in public records. Clerk of Courts for whatever county you are in type in owners name- make sure there are no liens on the property or les pends, judgments or notice of foreclosure. Also you may want to check the property appraiser site for whatever county you are in as well- usually from this site there is a link to take you to the tax records-- you want to make sure the taxes on the property are paid. Also, it is always a good idea to have an attorney go over your lease with you- to ensure that you are being fully protected. Anything that is not in writing can become an issue- it is a good idea to make sure that the lease states CLEARLY- who is responsible for what- from payment of utilities to repairs. To be safe- once you rent a home I would definitely have renters insurance. It could save you a bundle in the event of a disaster or accident.

You are smart to be concerned and cautious. People are in difficult times and there is nothing more frustrating than being served at 6 in the morning with a 30 day notice to leave- because the home no longer belongs to the landlord. An attorney can ensure in the lease that you are protected to the full extent that the law allows.

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What kind of questions should you ask a person that you are about to rent from?

Q. I'm chatting with someone right now about renting her mobile home not rent to own just renting. I've already asked if there was a deposit and i already know what bills are paid. What else is there to ask?

A. Park rules, animal policy, parking policy, length of lease, trailer mainance, and if the mortgge is current.a

Original Question

What things should I really look for when renting a 1-bedroom apartment?

Q. This is going to be my first time actually going out on my own at the age of 21 and trying to find a 1 bedroom apartment to live in. I would like to know what questions to ask the landlord. Also, how much is it on average to rent a 2-bedroom apartment? Can I negotiate the rent with the landlord or is it a set price? Thanks. I hope to make it on my own.

A. You can call the local police dept. for information about crime in the are. Also if you are thinking of renting in a complex the police will be able to tell you approximately how many calls they have from that complex. Ask your landlord what the utilities run per month in that particular apartment. Make sure that the apartment that you are looking at is the same one that you will be renting. Make sure that you are able to cope with what ever lease that they are asking for, IE: 6 month or 12 month lease. Inspect the apartment for the following: Water drainage in the tub and sinks, water pressure, leaks under the cabinets, water standing in the dishwasher, fresh filter in furnace, burnt bulbs, clean carpet, loose woodwork, fresh paint. Check the ceiling for water spots (leaks) Check to make sure that the following are all in working condition: dishwasher, garbage disposal, oven, refrigerator, furnace and A/C. Ask the landlord how many maintenance personnel work there. If it is in a complex, then there should be 1 maintenance person for every 75 units. Should you choose to rent a 2 bedroom apartment, they typically are priced 100 more per month than a 1 bedroom depending on where you reside. Ask the landlord what they feel about a room mate. Who knows, you may need one at a later date. I mean 1/2 rent sounds better in a 2 bedroom than full rent in a 1 right? I hope that this helps you.

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First time renting question about landlord legitimacy?

Q. I am looking at an apartment today that I found for sale by owner. I have had a few conversations with her leading up to today and she seems legit, but I understand you have to also always be aware that the landlord/apt could be a scam. If I like the apartment upon viewing, and want to go forth with the renting process is it appropriate to ask for the landlord's id or a tax receipt (or something else...suggestions?) to prove she is who she says she is and it is her apartment.

Any suggestions are appreciated! Thanks!

A. if you express your concerns to her in a professional matter you should be fine. if she has a problem with it then just back out of it

Original Question

What is your right to privacy in a fraternity house?

Q. I realize that the living situation in a fraternity is a little different than those of a regular rented house. My question is, if those in a leadership position in a fraternity suspected that you had something in your room, such as drugs or alcohol, that were contrary to the Bylaws of that fraternity, which you signed an agreement to abide by, do they have a right to enter your room, if it is unlocked, and search for those things?
Does it vary depending in which state the fraternity is located in?

A. Yes, because the house belongs to the fraternity.

Original Question

What do you have to pay separate when renting apartments in Wisconsin?

Q. This is my first time I am renting an apartment and I was wondering what else I have to fit in my budget. I was thinking along the lines of electricity, heating, water and such.

A. Every lease is different and also negotiable. When checking on an apartment the first question to ask is what does the rent include. If you have a budget (and most people do) and find an apartment that is close to your budget but the heating bill would put you over budget, attempt to negotiate the heat in the rent. If the landlord has been setting on the apartment or if his percentage is low, he may go for it.

Original Question

How does renting a plane work?

Q. I'm looking into taking some flying lessons and getting my private pilot's licensce. I keep seeing stats on renting planes, but I have no clue how it works. For example, a plane might be advertised at $100 per hour, but how is that totaled up? If I fly from Atlanta GA to Savanah GA and it takes me 2 hours there and 2 hours back, but I stay the day there for 6 hours, am I paying $400 for just time spent in the air, or am I going to pay $1000 to include time spent on the ground?

A. Rental rates for planes are usually "wet" rates, meaning the price includes fuel. The charge is by the hour of flying time and may be called either Hobbs time or tach time. Hobbs time is just like a clock. Any time the master switch is on, the clock is running, racking up hours and tenths. Tach time, however, is only equal to Hobbs (or clock) time when the engine's rpm's are high, such as when the plane is actually flying. Thus, when the plane is on the ground, and taxiing, the engine rpm is very low, so renting by "tach time" is a better bargain. Typically, if you take a plane on a cross country trip, there will be a minimum charge per day (usually 2 hours). This varies with who you rent from. Your best bet BY FAR, is to join a local non-profit flying club. The rates will be much lower than renting from the "FBO" (fixed base operator) at the airport. On one of my many xc trips, I flew a Cessna 182 from WI to FL on tach time, stayed 10 days and was charged for flying time (of course) and an extra 2 hours of time per day. I also belonged to a flying club, so I can't tell you about an FBO's extra charges. Hope this helps. Feel free to email me w/questions: aavoucherjunkie@yahoo.com..

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