Author: Evan Shelley

You’re ready to put your house on the market. Maybe you’ve accepted a new job in another state or want to buy a bigger house or downsize now that you are an empty nester. Or perhaps your home requires one or more significant repairs, and you don’t have the time or money to make them happen. If any of these examples describe your current situation, you may want to skip the hassle of repairing your home and quickly sell your house as-is.

What does Selling Your House As-Is Mean?

Selling a home as-is refers to your decision not to make major repairs, instead offering the property in its current shape to buyers. Fully disclosing this fact and making potential buyers aware of the as-is condition of a sale relieves you of the pressure, and expense, of making the most needed repairs and can potentially speed up the sales process.

There are many reasons to go the as-is route when selling your property. If personal circumstances mean you cannot fix code violations, pay your mortgage or property taxes, your property may be considered distressed.

What is a Distressed Property?

You may have passed by a house that has been neglected. The shutters are hanging loosely, or the paint is peeling. These are just a few of the visible ailments of a home, but there can also be many others that go unseen. These properties are considered distressed.

However, upkeep is not the only indicator of a distressed property. Other reasons houses fall into this category include financial hardships leading to falling behind in mortgage payments and facing foreclosure or an inability to bring the home up to code. Legal problems, like divorce or a lawsuit, can also result in distressed property and a need to sell as-is quickly.

Weather damage can also cause your house to fall into a level of disrepair. For instance, heavy rains can flood your basement, causing erosion and damage to the foundation. Or your HVAC unit has died, and you need a whole new set-up, which could also expose other issues in the home, including electrical and plumbing problems.

A few more common issues found in as-is properties include mold or mildew damage, a leaking roof, non-working electrical outlets, and structural problems. Additionally, there are often code violations such as an unpermitted addition to the home or installment of an appliance, such as a water heater.

Skip the Repairs and Sell House As-Is

Financially, you may find you cannot afford to make the major repairs your home needs. If you’ve also fallen behind in your mortgage payments on top of any needed repairs, escaping a looming foreclosure quickly can alleviate the stress and constant anxiety and put you on a new path.

Even if money is not the issue, you may decide you do not want to deal with the time and effort of hiring others to complete the repairs. Repairs can sometimes take weeks or months to complete, and you may need to find temporary housing.

Regardless of which of these circumstances you may find yourself in, you should consider selling your house as-is and avoid the hassles involved in bringing it up to code or making necessary improvements or repairs.

How to Sell As-Is Properties

Once you assess your situation and the needs of your home, you may decide that selling as-is is the right action for you. There are different ways you can sell your property; however, each comes with its own significant pros and cons.

When you’re selling your property as-is, consider these three methods.

• Hire a real estate agent: The most formal and often chosen method of selling a home is hiring a real estate agent to bring in potential buyers. You will need to disclose all defects and needed repairs of the house to your agent before getting started. From there, it could take several weeks or months for your agent to find a buyer willing to pay your price.
• Sell your as-is home yourself: Today, many people are choosing to sell their homes themselves. However, this will take a lot of work on your part, from advertising to showing the house to potential buyers. Interested parties will likely want to have their own home inspection conducted, adding more time and stress to the process. You also may have problems receiving the price you’re asking, especially if you’re in a hurry to make the sale.
• Avoid the hassles and sell to a cash for homes buyer: If you’re expecting to sell your house as-is fast, you may need to consider other options. To avoid a long wait or a time-consuming and stressful process, consider selling to a cash home buyer like Meli. We can help you unload your house so you can move ahead and on to better things in your life. In the Central Florida area, Meli pays you upfront and usually can close the sale within 30 days, making the process as easy and hassle-free for you as possible.

A Cash Home Buyer is Here to Help You Avoid the Hassle

Who are cash home buyers? The most widely recognizable cash home buyers are flippers and investors with experience in the as-is home market. These buyers understand the as-is buying process and are familiar with the problems that arise, causing properties to move into the distressed category. Usually, these buyers offer payment and closing within a 30-day window in a no-hassle transaction.

At Meli Homes, we make the entire process easy. Once you contact us, we will ask you several questions and schedule a walk-through of your property at your convenience. On the same day as your walkthrough, we will send you a fair offer for your home.

Meli Home is highly experienced in situations such as yours, and we will handle all the paperwork, including dealing with outstanding liens or judgments. Once you accept our offer, we will close on your home within 30 days: no staging, no open houses, no commission fees, and no closing fees. You receive our full offer. We’ll even work with you on your move-out date. 

Contact Meli Today

Are you ready to know more about how to avoid the hassle and how to sell a house as-is in the Tampa, Orlando, or Winter Park areas? Give our Central Florida office a call at (407) 338-4183 or connect with us online to set up a walkthrough of your home and learn more about our process.

This article is meant for informational purposes only and is not intended to be construed as financial, tax, legal, real estate, insurance, or investment advice. Meli encourages you to reach out to an advisor regarding your own situation. Please consult with your advisor when making legal or financial decisions.

Image Credits

https://pixabay.com/photos/houses-for-sale-5203982/

https://pixabay.com/photos/window-exfoliation-paint-1573052/

https://pxhere.com/en/photo/1586145

Many factors can result in a distressed property due to code violations. Whether your area had a catastrophic weather disaster, you started a home improvement project but couldn’t finish it, or you lost your job and can’t keep up with the upkeep of the house, you may want to sell quickly. Selling a house with code violations can be challenging because many individual buyers want somewhere they can move in immediately. However, several options will allow you to sell your distressed property quickly and repay your debts.

What does “Up To Code” Mean?

State and federal regulations govern whether a property is “up to code,” meaning that it’s safe to live in. Federally, there’s the National Electric Code (NEC), which covers all installation and use of electric devices. All your wiring will need to follow the guidelines. The NEC changes regularly, so you may find your wiring out of date even if it was up to code in past years.

Florida also has many building codes you’ll need to adhere to, including the stability of the structure and fire safety regulations. These can range from the placement of smoke alarms (a relatively inexpensive fix) to having the wrong material for your piping (a more involved project).

You can also receive fines from your Home Owners Association (HOA) if you have one for failing to follow their rules for property maintenance. Many HOAs require trimmed yards, certain types of paint, and regular roof cleaning. If you continually fail to pay your fines, your HOA can place a lien on your house.

Depending on how much work you need to do to fix your home, it might be worth trying to bring your house up to code before selling.

Bringing an Old House Up To Code

Your first option when selling a house with code violations is to try to bring it up to code. Getting the home to the minimum code requirements can increase your selling price and interest more buyers.

However, you’ll need to seriously consider your financial situation first. If you need to borrow money to complete the construction work, calculate whether you’ll make that back on your sale. Some companies purchase homes as-is, including those with extensive code violations, so it’s not worth losing money over the construction work.

Even if you can’t bring the house up to code, you may want to consider painting the outside, tidying up the yard, and removing clutter from the inside. The nicer-looking the house is, the more interested your buyers will be. Clutter and dirt may make the home seem like it’s worthless, resulting in a lower offer.

If your home was damaged in a natural disaster like a hurricane or a flood, you might be eligible for some funds through FEMA’s Disaster Housing Program. While they may not be enough to get your home back to its former glory, they could help you make the necessary repairs to increase your asking price.

After natural disasters, many con artists target people in the area. Ensure that if you hire a construction company, they are registered and will work up to code.

Disclose Any Code Violations

Florida requires that you reveal code violations before your sale, and it’s in your best interest to do so. Your buyer will likely learn about the problems either during the walkthrough or just before closing and could withdraw from the sale.

If you spend time working with a buyer, preparing your home, and paperwork for the sale, a last-minute back out will result in wasted time, energy, and money on both your parts. It’s better to have the buyer offer a slightly lower price upfront than have them pull out just before the deal is finalized.

Chose Your Sale Method

If you can’t handle your home on your own, you may want to consider selling it. Because the code violations make it a distressed property, you’ll want to choose between three options. These are working with a real estate agent, selling on your own, and selling to a cash homebuyer. You can also choose to sell your house as-is or try to make improvements.

There are pros and cons for each option, depending on your particular situation and the housing market in your area.

• Working with a real estate agent: If you have time on your side, you may want to consider working with a real estate agent. Depending on the housing market, it can take several months to sell a house this way. It can take even longer if it is a distressed property.  While a real estate agent may be able to get you a higher price, you’ll have to factor in paying closing costs and their commission.
  Additionally, many buyers that real estate agents connect to are interested in a ready-to-live-in home. If you have outstanding, extensive code violations, you may struggle to sell this way.
• Sell it yourself: If you want to avoid paying a commission, you can try selling your house yourself. Although this method will save you money, it requires a lot of time researching local and state real estate laws, background research into your buyer, and advertising your listing. You will also still need to pay all your closing and legal fees, and the process could take months.
• Consider speaking with a company that buys distressed homes: These companies can purchase your home with cash, usually closing within 30 days or less. At Meli Homes, we will buy a house in any condition, including code violations. Additionally, we cover all closing fees, so you receive 100% of our offer.

Meli: The Process

If you live in Central Florida and own a house with code violations, consider working with Meli. Our process is straightforward and stress-free.

Give us a call or complete our online form with information about your property. We’ll give you a call back with more questions. From there, we’ll schedule a walk-through.

After the walkthrough, we’ll help you find the best solution for your home. That may be buying your home, listing it, or simply consulting you on the best course of action. If you agree to sell or list it, we’ll start the process, including settling any liens or judgments you may have against your house. However, until you sign the papers, you can walk away from the deal at any time.

Contact Us Today to Schedule Your Consultation

If you want to find the best option for your house with code violations, call Meli today at (407) 338-4183 for your free initial consultation. We’ll help you decide if selling a home with code violations is the best option, or if there’s another solution that’s best for you!

This article is meant for informational purposes only. It is not intended to be construed as financial, tax, legal, real estate, insurance, or investment advice. Meli encourages you to reach out to an advisor regarding your own situation. Please consult with your advisor when making legal or financial decisions.

Image Credits

https://www.pxfuel.com/en/free-photo-jafvh

https://pxhere.com/en/photo/617751

https://pixabay.com/photos/contract-consultation-office-408216/

Have you been putting off selling your home because you’re dreading the process or don’t think the house is fit for sale? If you haven’t got the time or money to make improvements to your property before putting it on the market, selling it as-is could be a viable option.

But what exactly does selling property as-is involve? And how will you know if it’s the right choice for you and your family? Let’s take a closer look at what to expect when you sell as-is.

What Does it Mean to Sell Your Property As-Is?

It’s common for people selling a property to do some renovation work prior to listing to achieve the highest possible price. In some cases, potential buyers who are interested in the property will request that the owner make certain repairs as part of the negotiations.

In an as-is sale, however, the buyer agrees to purchase the property in whatever state it’s in, without the homeowner having to make improvements. In these sales, if the buyer does request some things are fixed, the homeowner has the right to refuse.

Legal Obligations to Disclose Defects

What details a homeowner legally must disclose about their property to the buyer vary from state to state. In Florida, the seller is legally obliged to inform the buyer of any defects, restrictions, and obligations the property has, even if you’re selling as-is. If you don’t reveal these issues and answer the buyer’s questions honestly, you could be liable.

Your specific disclosure obligations depend on the type of property you are selling. For example, those selling a coastal home must divulge any potential for erosion and construction restrictions, while people selling homes in communities with homeowner’s associations should inform buyers of the association’s rules and any mandatory fees they will be subject to.

Reasons For Selling Your Property As-Is

The speed and ease of selling property as-is make it an attractive option to homeowners for many reasons, including:

• Needing to move quickly, for instance, because of a job offer or after a divorce.
• Your house has been on the market for a long time without receiving any offers.
• If economic instability makes paying your mortgage (or other debts) impossible, selling as-is can help you avoid foreclosure.
• Other issues in your life mean you need to sell in the most hassle-free way possible.
• You don’t have the cash to make repairs before selling. This is common in cases where people inherit homes in poor condition.
• You are unable to finish building or remodeling a property, perhaps due to a lack of funds.

How Long Does it Take To Sell Your Property As-Is?

Selling a home on the open market can often take months, and selling property as-is can take even longer. Real estate experts often recommend investing in repairs and renovations to make your home appeal to buyers and secure a quick sale. If you leave a property untouched and put it on the market, you may be waiting a long time for a buyer unless you significantly drop the price.

The best way to sell property fast is to work with a cash home buyer like Meli. With Meli Homes, you could close on your house within 30 days of receiving your offer. This impressive speed is undeniably helpful for those who need money to make next month’s financial obligations or who have a rapidly approaching moving date due to a job relocation.

How Does Selling Your Property As-Is Affect Its Price?

When an interested party makes an offer on a property, they take into account all the work they’d need to do to make it work for them. Even if a property is in excellent condition, a buyer is likely to try to get some money off the asking price to make up for moving costs and any cosmetic changes they’d like to make.

Because of this, expect that you will receive offers lower than the market value when you’re selling property as-is. The offers will also vary depending on the specific property and its condition. For instance, if a house is in a particularly desirable location, the physical condition may have less impact on the offers.

Concerns about having to accept a low offer on their home are one of the issues that put people off selling property as-is; however, when you sell to Meli, you will always receive a fair price. At Meli Homes, we also don’t charge fees, meaning you won’t need to pay closing fees from your sale.

Sometimes accepting a lower offer now, instead of holding out for months for a better offer or shelling out for renovations, can actually save you money in the long run.

The Process of Selling Property As-Is to Meli Homes

Selling a house can be as stressful as getting a divorce or starting a new job. Given that it can involve a substantial emotional and financial upheaval, that’s no surprise. Selling property as-is to Meli Homes is a much less stressful experience all around. Our straightforward process involves four clear steps:

1. The initial contact: within a short time of you reaching out to us, we can give you all the information you need, including an initial estimate.
2. The walkthrough: after we’ve established mutual interest in proceeding with the sale, we will schedule a walkthrough of the property, during which we will appraise the value. You will receive an official offer from us on the same day.
3. The selling process: once you’ve accepted the offer, we will begin the selling process. We will clear up any liens, title issues, or judgments and work hard with our partners to meet your desired schedule.
4. Receive your money: you won’t pay any fees so, as soon as the sale has gone through, you’ll receive every penny of the offer.

Ready to Take the Plunge?

For many people selling property as-is is the ideal solution. The speed and ease with which a sale can be completed are unparalleled, so choosing this option gives you time and energy to focus on other areas of your life.

If you decide that this is the right option for your Florida property, the highly experienced team at Meli Homes is here to make your sale run as smoothly as possible. With our network of realtors, attorneys, and investors, we can help you sell your home in under 30 days.

For more information or to request an initial estimate of your home’s value, call us at (407) 338-4183.

This article is meant for informational purposes only and is not intended to be construed as financial, tax, legal, real estate, insurance, or investment advice. Meli encourages you to reach out to an advisor regarding your own situation. Please consult with your advisor when making legal or financial decisions.

Image Credits

https://www.pickpik.com/house-abandoned-vacant-vintage-grunge-empty-81227

https://p1.pxfuel.com/preview/124/461/307/new-home-for-sale-house-estate.jpg

https://upload.wikimedia.org/wikipedia/commons/0/09/%E5%A4%A9%E5%9C%B0%E7%84%A1%E7%94%A8_%287736032314%29.jpg

If you’re considering selling a house that needs repairs but don’t have the finances to make the required fixes, you have several options. One possible recourse is selling the home as-is. And believe it or not, you can even do so without losing money in the process.

Across central Florida and much of the country, it’s not uncommon for individuals to face financial misfortune that necessitates selling their house quickly. In many cases, these buyers need the money from the sale immediately. This may be to evade foreclosure, pay off property taxes, or resolve some other financial or legal issue. If they can’t find a buyer fast enough at their asking price, they may find themselves in deeper financial trouble. 

Do you want to sell a house as-is without taking a financial loss? Here’s what you need to know about the process.  

What Does it Mean to Sell Your House As-Is?

Selling a home “as-is” simply means that the seller lists their house for sale in its current condition, without making repairs before closing. For the buyer, this means that what they see with the property is what they get when they purchase it.

Under most state laws, including Florida, the seller must provide a disclosure document that details any defects or other conditions that could negatively impact the house’s value. These details must be disclosed before a sale can be made, even when a buyer does not specifically request them.

Benefits of Selling As-Is

While there are pros and cons to selling your house that needs repairs, one of the most significant advantages of this method is convenience. However, there are several other fantastic advantages, including:

• Fast Process

If you have a distressed property that you’re unable to maintain or need to relocate on short notice, you may not have time to make renovations or repairs. By selling to a cash home buyer, you can get the property off your hands within 30 days.

• Can Settle Debts

For homeowners who are struggling to pay their mortgage and are on the brink of foreclosure, selling their house as-is can be a convenient way to readily access cash that can be used to help settle debts.

• Unload Unwanted Inherited Property

Some homeowners may find themselves with a property that they inherited that requires too much work or money to transform. Regardless of your reasons for selling inherited property, selling as-is can help you bypass the tedious and costly process of improving the property. It can also allow you to focus on healing from the loss of your loved one.

There are many companies that buy homes as-is, including Meli Homes in Central Florida.

How to Sell As-Is Without Losing Money

It’s important to understand what’s expected of you as the seller and what you can do to sell it quickly and without financial loss.

Understand Seller Expectations

Once you’ve decided to sell your house as-is, you’ll need to follow your state’s disclosure laws carefully. Since you’re selling it without making any repairs, you legally need to disclose any faulty conditions within the home to your buyer. This transparency will help you avoid paying for any issues down the road that you failed to reveal upfront.

Additionally, being transparent to the buyer about any other financial issues, such as judgment or tax liens, will decrease the chances of them backing out.

You should also help prospective buyers understand that while you’re selling as-is, they still have the right to inspect. So, should they find anything they are not comfortable with purchasing as-is, they can back out of the purchase.

Understand Market Conditions

To set a realistic asking price, you’ll need to gain an understanding of your area’s current market conditions. You can utilize various tools and assistance to help you better determine the market conditions that pertain to your neighborhood and housing type.

These tools include online forums to find local opinions about the market in which you live, home value estimators, or real estate agents. Working with a real estate agent can help you obtain your home’s most accurate value. They can readily access data to perform quick and precise comparative analyses.

However, using a real estate agent entails commissions, which may limit your profits from the sale. You can save the most money by self-appraising your home.

Choose and Vet Your Buyers Carefully

Once you have offers, you’ll need to decide who you want to sell to and ensure you’re vetting them carefully.

No matter the buyer, it’s best practice to request financial records to ensure they’re capable of making the purchase. By working with a cash home buyer, you can reduce the buyer’s risk of backing out last minute or coming up short on cash. These companies typically are part of a trusted network of investors and don’t need to apply for a mortgage to make the purchase.

Additionally, working with a cash home buyer can help you skip the complex listing process, making your sale fast. Because these buyers prefer to purchase a house as-is, you won’t lose money on expensive repairs. Plus, with Meli, you won’t have to pay fees, closing costs, or commissions.

If you opt to go with a cash buyer, do your homework to ensure you’re working with a reputable company. Doing so will better your chances of being offered a fair price for your house’s value.

Own a distressed home? Read our blog to learn how you can sell distressed without losing money.

The Takeaway

Just because you’re selling a house that needs repairs doesn’t mean you have to sell it for a loss. By providing the required disclosures, understanding market conditions, and leveraging the tools at your disposal, you can sell your house as-is without losing money.

If you’re ready to sell, Meli Homes can help. Send us a message through our contact form today! We’ll get back to you within 24 hours to initiate the buying process.

This article is meant for informational purposes only and is not intended to be construed as financial, tax, legal, real estate, insurance, or investment advice. Meli encourages you to reach out to an advisor regarding your own situation. Please consult with your advisor when making legal or financial decisions.

Image Credits

https://pixabay.com/photos/house-money-euro-coin-coins-167734/

https://pixabay.com/photos/sell-house-buy-real-estate-5301466/

https://pixabay.com/photos/real-estate-agent-sale-home-keys-3337032/

Selling a home can be a stress-inducing process under the best circumstances. If you’re having difficulty selling a home, it’s additionally frustrating. Current figures estimate that it takes an average of 3 weeks to sell in Central Florida. So if your home is still on the market a month or more after the listing date, it might be time to reevaluate and figure out why your home isn’t selling.

The market naturally fluctuates, so sometimes a house sits for an extended period simply because there are too many houses on the market or too few buyers. While you can’t control the real estate market, you can control a lot about the home selling process. Here, we explore what makes a house harder to sell.

It’s Priced Too High

One of the most common mistakes people make when attempting to sell a property is pricing it too high. Especially if you think you owe more than the house is worth and want to sell, you may be tempted to price the home above the market to recoup as much as you can.

It can be tricky to find that balance between a price that’s attractive to buyers and satisfactory to the seller. Before pricing your home, determine its fair market value based on the sale of comparable homes in the area. You can browse local listings or ask a qualified realtor for advice when setting a price.

It Has Poor Curb Appeal

Curb appeal is an old real estate phrase that refers to the first impression your property makes on a buyer. Homes that appear run-down or have visible damage can turn-off a buyer immediately.

Sometimes a little cleanup or some fresh paint can spruce up a home’s exterior relatively quickly at manageable costs. Trimming trees and hedges, raking leaves, and mowing the lawn can be accomplished over a weekend and go a long way in improving the appeal of a home.

If your home requires a significant overhaul, you may not be interested in expending the energy or the money for major repairs or updates and prefer to sell the house “as-is.”

As-is homes can be difficult to sell on the traditional open market. They typically appeal to a particular type of buyer who is comfortable with property renovation and prepared to pay a fair price without requiring any additional work on your part. Cash home buyers like Meli Homes are always looking to purchase homes, even if they need some TLC.

It’s a Fixer-Upper

While some homebuyers relish the idea of a home they can customize according to their tastes, others are less eager to tackle a project.

For example, if the home is outdated, it may be less attractive to buyers looking for a turnkey property. Many buyers have difficulty seeing past undesirable cosmetic issues like damaged flooring or an outdated kitchen from the 1960s.

Some updates are relatively straightforward. You could add some fresh, neutral paint or switch out some old light figures or drawer pulls. Overly cluttered homes don’t show as well as cleaner, tidier homes. Simplifying and removing excess furniture or decor can open up your space and make it more appealing to buyers.

If you do the math and determine renovation costs will likely exceed any profit you’ll see from a sale, it might not be worth your time and money to renovate. If you’ve fallen behind on your mortgage, you’re in foreclosure, or the home isn’t up to code, your home may qualify as distressed under Florida law and require special consideration.

If you are trying to sell a distressed home, consider speaking with a professional specializing in difficult-to-sell homes. They can help you to determine your best course of action for a quicker, financially sound sale.

The professionals at Meli Homes have extensive experience in buying and selling distressed properties. Their 30-day process means you can sell your home fast in Orlando or anywhere in Central Florida, from Kissimmee to Tampa to Palm Bay.

You’re Getting Bad Advice

If your home has been sitting on the market longer than is desirable, it’s a good idea to consult with an experienced realtor who knows how to sell a difficult house. Working with the wrong agent often leads to lower sales prices and extended time on the market. You need an expert to help you navigate the unique circumstances of your home sale.

Any time you’re selling a property, you should know something about the company with which you’re working. We recommend taking the time to research potential companies, to read reviews and testimonials from previous clients. Past performance is a great predictor of future behavior. If you’re unable to find a lot of information about a company, it could mean they’re very new to the process of selling difficult homes, or they don’t have a good record with former customers.

In addition, difficult-to-sell homes are a niche market, and the success of the sale is heavily dependent on finding the right buyer for your home. At Meli Homes, we buy houses quickly for cash. We have helped countless home sellers get out from under the burden of a distressed property throughout Central Florida.

At Meli Homes, we have our finger on the pulse of the real estate market. We specialize in buying homes that are traditionally more difficult to sell. If you want to sell a distressed home at a fair price, ask us about our easy, 4-step process.

Call Meli Homes Today

The process of selling a home can be incredibly overwhelming, particularly if it isn’t the most updated one on the block. At Meli Homes, we make the selling process simple, quick, and efficient.

If you’re tired of requests for updates and repairs, prepping for open house weekends, and enduring the agony of waiting too long for your house to sell, give us a call or send us a message with the details of your home, and we’ll set up a walkthrough within 24 hours.

Let us take the stress out of the home selling process by giving you a fair price for your home. Call Meli Homes today at (407) 338-4183 for qualified, expert advice from our friendly team and make your home sale dreams a reality.

This article is meant for informational purposes only and is not intended to be construed as financial, tax, legal, real estate, insurance, or investment advice. Meli encourages you to reach out to an advisor regarding your own situation. Please consult with your advisor when making legal or financial decisions.

Image Credits

https://www.needpix.com/photo/download/1358339/home-house-forsale-florida-usa-new-construction-exterior-landscape

https://www.pxfuel.com/en/free-photo-okzmm

https://pixabay.com/photos/house-home-sold-brick-for-sale-435618/

People find themselves stuck selling a house that needs repairs for several reasons. The long-term financial difficulty may have made paying a mortgage difficult and regular upkeep and repair to the home cost-prohibitive. You may have also inherited a house that’s outdated or could use some repair.

Upkeep on a home is expensive, and if you’re looking to sell a home that needs some work, you may be facing the dilemma of spending more money on upgrades or repairs to the house before it’s ready for the open market.

Selling a house in disrepair can be a little more challenging than the average real estate deal. The good news is that no matter your home’s condition, you do have a few options. Whether you choose to make minor repairs or sell “as-is,” you can secure a fair price for your home.

Make Minor Repairs

Regardless of its condition, most real estate professionals recommend small updates or repairs to make it more attractive to buyers. A little sprucing up of a property often goes a long way in improving a home’s appeal.

Many buyers let curb appeal, the impression they get when viewing the house for the first time, influence their decision. Cosmetic upgrades to the exterior of a home can be relatively inexpensive and straightforward to do. A fresh coat of paint or an updated fixture on the porch are easy fixes that can pay off.

Pick Your Priorities

If you’re selling a house that needs repairs, you may be unable to afford an overhaul to the entire home, but you can prioritize one or two upgrades that will bring you a decent return on your investment.

Most home buyers are willing to overlook some need for improvement, so it’s best to put your effort into the most crucial improvement items. Buyers are usually hesitant for a few reasons. Foundation problems, mold, water leaks, and the need for new major appliances are just a few.

A real estate professional can advise you on repairs that will be most beneficial to the sale of your home.

Sell the Home As-Is

Selling a home “as-is” is precisely what it sounds like. You choose to sell the house with the understanding that you won’t be doing any repairs or upgrades. The buyer purchases the home knowing that it needs repairs.

For many, selling “as-is” is the easiest option, requiring minimal effort on the seller’s part. It saves a lot of the time and money associated with getting a house ready and presentable for sale.

Selling a house that needs repairs tends to be quicker than a traditional sale, and it can help a seller settle outstanding debts.

Tips for Selling a House As-Is

There are some pros and cons of selling a house as-is, and although it’s fairly routine, it’s a little different from selling a home on the open market and requires some particular considerations.

– Know the Value of the Home

Just because you’re selling a house that needs repairs doesn’t mean it doesn’t have value. Too many people jump into the market without really knowing what their property is worth and lose money as a result.

You’ll want to look at other comparable homes in your area that are in a similar condition to your property. As-is properties tend to sell slightly below market value, but a trusted real estate professional who knows how to sell a distressed property can advise you on a fair price.

– Disclose Everything

If you’re wary about the home’s condition, you may try to keep some of its unsavory aspects under wraps, but honesty is the best policy here. In Florida, you’re legally required to share any known issues with the property, even if the buyer doesn’t ask for that information.

 You should be completely upfront with any buyers about the property’s condition and all needed repairs you’re aware of.

– Connect with Interested Buyers

Some people are comfortable buying homes that need major repairs or upgrades. They welcome the challenge of making the space their own. But many home buyers are less willing to tackle a major remodel.

When you’re selling a house that needs work, it pays to connect with buyers looking for that kind of home. Plus, some distressed homes don’t qualify for a traditional mortgage, so you’ll want a cash buyer. Cash buyers like Meli Homes are frequently willing to buy houses in any condition.

– Consult an Expert in As-Is Home Sales

The process of buying and selling a home is often really complicated. If you’re facing the additional challenges of a property in need of repair, consulting with an expert can save you time, money, and hassle.

As Florida’s top-rated distressed home buyer, the professionals at Meli Homes are well-versed in all the intricacies of buying as-is homes, and we can give you the fairest, most amenable price for your property.

You don’t have to try and navigate this process on your own. As qualified cash buyers, we have bought countless as-is homes from happy clients from Orlando to Melbourne to Cocoa Beach and can do so for you as well.

Our simple 4-step process means we will contact you within 24 hours of your initial inquiry to schedule a walkthrough of your home. After we see your property, we’ll deliver you a fair offer, usually on the same day. As soon as you’ve accepted the offer, we’ll begin the buying process. We cover all closing fees, and we will close within 30 days.

Meli Homes is Here to Help

At Meli, we understand the Florida real estate market, and we can help you avoid the unnecessary stress that often comes with selling a distressed home. If you’re ready to have the sale of your home resolved as quickly as possible, call us today at (407) 338-4183 to get started.

Buying difficult-to-sell homes is our specialty at Meli Homes. We have the expertise to walk you through the process and look forward to speaking about your unique needs.

This article is meant for informational purposes only and is not intended to be construed as financial, tax, legal, real estate, insurance, or investment advice. Meli encourages you to reach out to an advisor regarding your own situation. Please consult with your advisor when making legal or financial decisions.

Image Credits

https://storage.needpix.com/rsynced_images/painter-2247395_1280.jpg

https://upload.wikimedia.org/wikipedia/commons/7/7f/Run-down_House%2C_Givat_Brenner%2C_Israel_panoramio.jpg

https://p0.pikrepo.com/preview/140/724/brown-wicker-basket-on-white-table.jpg

People choose to sell to an investor rather than to a traditional buyer on the open market for several reasons, but primarily because selling to an investor is almost always faster.

If your home has fallen into foreclosure or disrepair from financial difficulty, you need to get out from under debt quickly, or your home doesn’t qualify for a mortgage, an investor sale may be a good option.

Unforeseen life changes like a divorce or job relocation may require you to unload a house quickly to divide assets with a spouse or move to another state with little notice.

Suppose you’ve inherited a property and don’t want to incur an additional mortgage or cannot afford upgrades and repairs to make the house attractive to a traditional buyer. In that case, an investor might be your best choice. Some people just don’t want to deal with the hassle of doing repairs, showings, or open houses, particularly if the property has a tenant currently living in the home.

If you find yourself needing to sell a distressed home in any of these circumstances, you should know how to sell to real estate investors and the potential benefits.

Benefits of Selling a Home to an Investor

There are several benefits to an investor sale that can make it an attractive option.

• It Saves You Money

There’s an old saying, “You have to spend money to make money,” and most traditional home sales require some investment on the part of a home seller.

Most of the time, a seller will have to pay a sizable commission to their agent and, sometimes, the buyer’s as well. Depending on the purchase price of your home, that number can be significant.

If you’re listing your home, your real estate agent will probably recommend some upgrades or repairs to make it more attractive to buyers. A recent estimate claims Americans can spend over $20,000 making repairs and paying realtor commissions when selling their home.

When you sell a home to an investor, you won’t pay any commission fees. Most of them are willing to buy properties “as-is” and don’t require you to make any changes or repairs to the home, saving you a significant amount of money.

• It’s a Quicker, Simpler Transaction

If time is of the essence, an investor sale is a great choice. Typically, with a traditional sale, a buyer will require a 45-day escrow period to have the home appraised and inspected and their loan approved. Most cash investors can close on a house in less than a month and are more flexible with closing dates in general.

In addition, when you’re selling to a cash buyer as-is, you don’t have to waste time waiting for repairs and upgrades to be completed on your home before you can sell. As an added incentive, they may let you leave things in the home you don’t want, saving you the hassle of moving unwanted items.

Tips for Selling Your Home to an Investor

While there are several potential benefits to working with an investor, there are a couple of drawbacks to consider. Generally speaking, selling to an investor will mean a lower sales price. An investor is less likely to have the kind of emotional connection to a house that would have a traditional buyer offer more for a home. They’re also likely to factor in the cost of needed repairs with their offer. But because you’re saving money by forgoing repairs and commission fees, the difference may be negligible.

Another drawback to pursuing an investor sale is the potential for scams. Unlike a realtor, investors aren’t required to be licensed or credentialed to buy a house. There’s no shortage of companies that buy houses, but they aren’t all reputable. Sellers must use prudence and caution when deciding on a trustworthy, qualified investor. In researching a potential investor, there are some steps you should take.

• Visit Their Website

An excellent first step in getting to know potential investors is to visit them online. Most professional investors have a website that will give you a feel for the way they do business.

• Call Them

When you’re selling a home, you should have confidence in your buyer. You want to work with qualified active investors and not some fly-by-night operation. A great way to get to know the people you’re working with is to call their office. You can ask for a list of recent purchases and other materials to verify their business claims are accurate.

• Check Reviews

It should be relatively easy to find reviews of potential investors online. Even small investment companies have some online presence. If you’re not seeing a lot of client feedback, it could indicate that the company is very new and potentially less experienced, or their client reviews aren’t favorable.

• Look for Cash Buyers

Ideally, you want to sell your home to a cash buyer. Many investors have funds tied up in other endeavors, which can prolong the sales process. Cash buyers not only pay you in cash, but they also do it quickly and are usually willing to buy a home in almost any condition.

Reputable, Qualified Cash Buyers

If you’re looking to forgo the complications of a traditional home sale and work with an investor, Meli Homes is here to help. As Florida’s top-rated distressed home buyer, Meli is your only choice when it comes to selling your home quickly and efficiently.

We specialize in the purchase of as-is homes and understand the process. We know you deserve a fair price for your home, regardless of its condition, and can facilitate a satisfactory sale.

Meli Homes is comprised of qualified cash buyers, so we can skip the lengthy headache of escrow and loan approval. We can also help you to avoid unnecessary real estate fees.

We have years of experience and countless satisfied clients across Central Florida. We buy houses from Orlando to Melbourne and beyond. We encourage you to research Meli, visit our website, give us a call or explore testimonies about our many success stories.

Call Meli Homes

If you’re considering an investor sale of your home, Meli can answer any questions and provide the assurance you need to move forward.

We are qualified cash buyers with extensive experience in purchasing distressed homes, and we can help you sell your home fast in Orlando or Cocoa Beach, or Tampa.

So don’t wait. We can offer you a competitive purchase price with no hidden fees and a quick turnaround, and you can leave the stress of an unsold home behind you. Call us today at (407) 338-4183 to get started.

This article is meant for informational purposes only and is not intended to be construed as financial, tax, legal, real estate, insurance, or investment advice. Meli encourages you to reach out to an advisor regarding your own situation. Please consult with your advisor when making legal or financial decisions.

Image Credits

https://pixabay.com/illustrations/analyzing-profit-business-3693455/

https://www.pxfuel.com/en/search?q=repair&page=5

https://pxhere.com/en/photo/1586145

If you’re living paycheck to paycheck, even the slightest change of circumstances can lead to serious repercussions. Foreclosure can often loom menacingly in the background for many facing financial adversity.

If foreclosure is imminent, you may want to sell your house quickly to avoid the hit on your credit. However, it can be challenging to sell a house quickly, even when it’s in good condition. Listing your home yourself creates additional stress during an already challenging time, and a realtor will take a commission, decreasing the amount of cash you’ll get.

If you want to sell your house fast before foreclosure, you should work with a qualified cash home buyer like Meli Homes.

What is Foreclosure?

If you fall behind on your mortgage payments, your bank or mortgage provider has several steps to take before considering a foreclosure. You will receive several notifications reminding you of your late payments.

If you cannot continue paying your mortgage, your bank will sell your house to recover the cost of your defaulted mortgage. If at all possible, you’ll want to avoid foreclosure since it will have a drastic effect on your credit report for the next seven years, making it difficult to buy a home or a car in the future.

Can You Sell Your House in Pre-Foreclosure?

To avoid foreclosure, many homeowners decide to sell their property quickly and use the profits from the sale to pay off their mortgage. A house in pre-foreclosure becomes a distressed property, meaning that you’ll need to approach the sale differently.

In traditional sales, it can take months for you to find a buyer, hammer out a deal, and close. However, if you’re selling your property to avoid foreclosure, you’ll need to speed up the process.

How Can I Sell My House Before Foreclosure?

Once you’ve decided to sell your house, your strategy will be mostly determined by how far along in the foreclosure process you are. If you have just received your first notice, you have more time to prepare your home for viewing than if you have already had your final warning.

If you want to sell a distressed home in Florida before foreclosure, there are a few paths you can take.

• Determine Your Home’s Value

Before trying to sell your home, you’ll need to figure out how much you can get for it. Look at other houses for sale in your area in a similar condition to yours to get an idea of the going rate. You can also consult with someone experienced in buying distressed properties.

You can also try to increase the value of your home by making repairs. Foundation problems, plumbing issues, or visibly cracked walls can intimidate buyers and reduce potential offers.

However, even if you want to sell the property as-is, that is, without making any extensive repairs, consider making cosmetic improvements. A fresh coat of paint on the door and the walls, removing clutter, or cleaning up the yard can all be done cheaply and relatively quickly and significantly improve the buyer’s first impression of your property.

• List the Property Yourself

If your home is in good condition, and the housing market is good for sellers, you could try listing the property yourself.

However, listing a property involves a lot of work. You’ll need to advertise, organize open houses, research potential buyers, and handle all the legal paperwork. You’ll likely want a lawyer to look over the documents before you both sign them, which will cost you money.

• Work With a Real Estate Agent

If you don’t have time to list the property yourself, you might want to look into hiring a real estate agent. Although this will decrease the amount of time you’ll need to put into selling your property, it could take a long time and cost you more money.

Most real estate agents work on commission, meaning you won’t receive all the profits from the sale. If you need the money from your sale to pay off your mortgage and avoid foreclosure, working with a real estate agent might not be your best option.

• Research Your Buyers

Even if your buyer is a well-known company, you should request information on their financial status and research their reputation. Read online reviews to see what previous customers experienced.

This step is essential, regardless of how you sell your home. If you don’t research your buyer, you may run into problems during closing. If the buyer doesn’t have the financial ability to make the purchase, you’ll need to start over, losing valuable time. For homeowners facing foreclosure, this setback could have disastrous results.

• Work With a Cash Home Buyer

If you’re wondering “how can I sell my house fast before foreclosure,” then consider working with a cash home buyer. Unlike real estate agents, cash home buyers don’t take a commission, and they are prepared to pay for your house, regardless of its condition, in cash upfront.

Selling to Meli Homes

If you want to sell a home fast in Orlando, Tampa, or Melbourne, Meli’s process couldn’t be more straightforward. First, you’ll need to send a message through the online form or call to request a meeting. Within 24 hours, our team will respond to ask for more information about your property and set up a walkthrough.

To ensure our team at Meli sees your house at its best, try to clean and remove clutter before they arrive for the walkthrough. Once we’ve viewed your home, we will send you a fair and reasonable offer, often on the same day.

Take your time to review the offer. There are no strings attached, so you can pull out of the deal any time before signing the papers. Once you’ve agreed, we will handle all the closing and legal fees and ensure that everything is in order for the sale. Finally, you will receive your payment in full in cash.

The whole process takes under 30 days, meaning that even sellers with short timeframes can avoid foreclosure.

Sell Your House With Meli Today

If you’re facing foreclosure on your property, call Meli Homes today. With our simple process and helpful team members, we offer a stress-free option for homeowners who need to sell their distressed properties quickly.

Call us at (407) 338-4183 or fill out our online form to start the process of selling your home.

This article is meant for informational purposes only and is not intended to be construed as financial, tax, legal, real estate, insurance, or investment advice. Meli encourages you to reach out to an advisor regarding your own situation. Please consult with your advisor when making legal or financial decisions.

Image Credits

https://www.google.com/url?sa=i&url=https%3A%2F%2Fcommons.wikimedia.org%2Fwiki%2FFile%3ASign_of_the_Times-Foreclosure.jpg&psig=AOvVaw2XBbElHPy0pGlA6k_fIAHa&ust=1604074555934000&source=images&cd=vfe&ved=0CAIQjRxqFwoTCKCWo8SZ2uwCFQAAAAAdAAAAABAD

https://cdn.pixabay.com/photo/2017/05/20/13/54/open-house-2328984_1280.jpg

https://live.staticflickr.com/3874/14683431173_995327002f_b.jpg

When it comes time to sell your home, one question to ask yourself is if it is “up to code.” In other words, are there any current code violations attached to your home? You may or may not be aware of any, but it’s crucial to find out for sure.

Consider having your home inspected to determine where you stand. If you find code violations, or if you already know you have code violations, it doesn’t mean you are unable to sell your home. However, it does mean that you have a choice to make on how you want to proceed with the sale of your home.

What are Code Violations?

There are federal, state, and local residential building codes in place to protect the safety, health, and general welfare of the overall public when it comes to the construction and occupancy of a home. When these building codes aren’t met, your home is in violation.

Building codes are constantly being revised, and if you own an older home, you may find you are not up to code in many areas. However, as long as your home is safe and livable, you can still sell it. From there, the buyer has the option to make updates to bring the house up to code.

If you have made your own improvements or renovations to your home, however, you may be in violation of several areas as well. Did you always file for the proper permits when making those improvements? Did you use appropriate and safe materials? Or, did you pay attention to codes when determining the placement of these improvements or additions? If you answer no to any of these questions, you most likely have a code violation or two.

Example of Code Violations

There is a wide range of common code violations, many requiring only a simple fix, and others being more complex. Some of these are visible, others are hidden. A buyer might never know unless you disclose it to them.

Examples of Code Violations include:

• Exhaust fans venting into an attic instead of outdoors
• Smoke alarms incorrectly placed
• Inadequate ground-fault circuit interrupter (GFCI) protection on circuits or outlets throughout the home
• Polybutylene piping, used between 1978-1995, with poor manufacturing and installment
• Unpermitted additions to the home, such as a garage or garage conversion into living space
• Inadequate deck connection to the house
• Addition of a water heater or other such appliance without a proper permit
• Fence height requirement violation

Selling Options to Consider

Once you’ve determined what code violations your home presently has, your options at this point depend largely on how soon you wish to sell and how much you expect to receive for your home. Two options for selling your home include bringing your home up to code and selling it “as-is.”

Repair and Bring Your House Up to Code

To avoid any adverse effect on your home’s sale and price, you can choose to fix all the things that are not up to code.

First, determine what and how many violations your home currently has. For this, you may want to hire a home inspector to give you a full overview of the state of your home. Once you have a list of potential code violations, it’s time to assess your financial situation.

Prepare a draft budget to make the repairs and decide if this is truly an option for you or not. For instance, if you find plumbing is an issue and will cost up to $15,000, potentially, your wallet may not be compatible with making the update needed.

Determine how soon you want or need to sell your home. Can you make the repairs or renovations in time to meet that timeframe?

Sell your Home As-Is

A common option these days is to sell a house with code violations. In other words,  sell your home, “as-is.” By disclosing to potential buyers that you are selling the house just as it is, with code violations and all, you can remove yourself from any repairs or renovations required to bring it up to code. In turn, this places the responsibility fully on the new buyer.

Why sell your home as-is? Here are the most common reasons:

• Your funds are somewhat limited, and you cannot afford to bring the house up to code.
• Your time is limited. Obtaining the necessary permits, making the repairs and renovations necessary, and putting in the labor (or paying for labor) can be time-consuming and lengthy.

Selling your home as-is affects not only your asking price but also the potential buyer pool. A few types of buyers are most interested in buying such properties and are known as distressed home buyers. A distressed home lacks upkeep or is under a state of financial stress, such as behind on mortgage payments and on the road to foreclosure. Homes with code violations also fit within this category.

Distressed home buyers include house renovators and flippers. They also include investors who are experienced in purchasing as-is homes. Meli Homes is an example of this type of buyer, so consider this option to sell your distressed home in Florida.

An investor, sometimes referred to as a cash buyer, will be familiar with the processes involved with buying a home as-is, even those with code violations. Offering you a cash payment, usually within 30 days, you not only rid yourself of the home and its needed repairs but do so quickly. Now you can turn around and purchase a home that is already up to code and sleep well at night.

Sell a Home with Code Violations with Meli

Selling a house with code violations doesn’t have to be complicated in the Central Florida area. Whether you live in Tampa, Orlando, or Melbourne, Meli can help you! We can buy your home, list it, or point you in the right direction. Contact us today to find out how to sell your home, code violations, and all.

This article is meant for informational purposes only and is not intended to be construed as financial, tax, legal, real estate, insurance, or investment advice. Meli encourages you to reach out to an advisor regarding your own situation. Please consult with your advisor when making legal or financial decisions.

Image Credits

https://www.flickr.com/photos/stevenm_61/28688334927

https://commons.wikimedia.org/wiki/File:Building_permit.jpg

https://pxhere.com/en/photo/1586145

If your home has a tax lien on it, you’re probably experiencing financial difficulties. Often, homeowners struggling to pay their property tax or mortgage don’t know where to turn and eventually face foreclosure and a subsequent hit to their credit. But can you sell a house with a property tax lien?

There are ways to avoid foreclosure or other legal actions. To remove a tax lien, you need to pay allowed taxes and any late fees and interest you may have incurred. The easiest way to do this is by selling your property and using the profit to pay off your debts.

It’s not always easy to sell a property with a tax lien. To make the process easier and more profitable, follow these tips.

1. Research Tax Liens

Before you ask how to sell a house with a tax lien, you first need to know what a tax lien is, why your house has one, and how to get rid of one. 

A tax lien is a type of property lien levied by the Florida Revenue Service when a property owner falls behind in their tax payments. Before placing a tax lien, the FRS will send you a delinquency notice and a bill (Notice of Amount Due).

If you don’t pay your taxes in full within 90 days after receiving the Notice of Amount Due, the FRS will take further action. They may outsource your debt to a collections agency, or they may file a tax lien. Failure to pay certain taxes like property within a set timeline automatically triggers a tax lien.

If you cannot pay your taxes in full, the FRS also has an option to set up a payment plan on a case by case basis.

The Internal Revenue Service can also place a tax lien on your home for unpaid federal taxes. 

Removing home liens isn’t always easy. Often, homeowners cannot pay their taxes because of unexpected financial hardships, like lay-offs at work, medical expenses, or car accidents. In addition to causing money problems, these situations make life more stressful.

While the simplest way to remove a tax lien is to pay off the taxes, if you’re in dire financial straits, that may not be possible. The next best answer to how to remove a tax lien from your property is: sell it and use the profits to pay your back taxes.

2. Home Improvement

If you’re going to sell your house, you’ll want to do everything possible to make it attractive to buyers. If you have problems with your plumbing, foundation, or kitchen, you might want to fix them before putting your house on the market.

However, if you don’t have the cash or time, you can focus on smaller projects that will make your home look more appealing. A new coat of paint and a freshly mowed yard will give buyers a better first impression than high grass and cracked walls.

3. Know Your Home’s Value

When determining your selling price, you’ll need to look at several factors. First, you’ll want to see what similar houses are selling for in your area. You’ll also want to look at the current housing market and research recent trends.

Next, you should see how much you have left on your mortgage and how much you owe in property taxes. The goal is to sell your home for enough to pay the remaining mortgage and pay your back taxes in full.

Hopefully, your selling price will cover all your debts because any remaining tax debt will still be owed. However, if you set your price too high, it may take longer to sell your house.

4. Offer in Compromise

Another answer to the question of how to remove a tax lien is negotiating an offer in compromise. If you have almost enough to pay your tax debts, the FRS or IRS may consider allowing an offer in compromise.

Each case is decided individually. The tax service will determine whether you have the financial capability to pay the agreed rate, current expenses, income, and equity of your assets. If the tax service believes you will hold up your end of the bargain, they may agree to accept a lower sum for your tax debt.

However, this option is not for everyone. If your offer is too low, the tax authority may choose to foreclose on your home instead.

5. Find a Cash Home Buyer

So, can you sell a house with a tax lien against it? The answer is yes, but with difficulty. If you choose to go the traditional route of listing your home yourself or working with a real estate agent, you’ll need to add removing the tax lien to the list of things to do before closing. It can be challenging since the house cannot legally change hands with an existing tax lien.

Working with a cash home buyer like Meli makes the process easier. Instead of finding buyers, advertising, arranging multiple open houses, and handling the legal process yourself, you can let us do all the work for you.

Our 4-step process will have you closing in under 30 days, and you won’t need to pay closing fees. We can also provide information and guidance about removing a tax lien and how we purchase homes with existing property liens.

We pay you in full, upfront, in cash. Instead of waiting for a loan to come in or having to cancel a sale because of a buyer’s financial problems, you will receive your payment quickly so you can clear up your tax debt.

Contact Us Today

If you have a tax lien on your home in Florida, selling the property might be the best way to remove it. Call Meli today at (407) 305-5008 to start the process. Within 24 hours, a team member will respond with any questions and set up a no-obligation walkthrough of your property.

Any offer we make has no strings attached, and you can pull out of the deal at any point. If you have any questions throughout the process or merely want some more information about selling a house with a tax lien, our team is always happy to help.

This article is meant for informational purposes only and is not intended to be construed as financial, tax, legal, real estate, insurance, or investment advice. Meli encourages you to reach out to an advisor regarding your own situation. Please consult with your advisor when making legal or financial decisions.

Image Credits

https://www.thebluediamondgallery.com/legal/images/tax-lien.jpg

https://cdn.pixabay.com/photo/2018/03/23/14/35/desktop-3253856__340.jpg

https://live.staticflickr.com/1593/25236984883_138b1e6929_b.jpg