Dominique Curtis Real Estate

Think about it like this.

You wouldn’t compare a fully remodeled home to a fixer and say they’re the same… just because they both have a roof and four walls.

But that’s basically what can happen in an appraisal if you’re not paying attention.

You’ve got a buyer under contract on a clean investor flip. Everything is new, modern, turnkey. Then the appraisal comes in low and everyone is wondering what happened.

Here’s one place to look.

Appraisers use comparable sales, but those comps need adjustments. If your subject property is clearly superior in condition, those inferior comps should be adjusted up. That’s not extra. That’s the job.

The issue is sometimes condition gets treated like it’s all the same. A dated home, a lightly updated home, and a full remodel all get grouped together as “similar.”

That’s like comparing a brand new car to one with 150k miles and saying they both drive, so close enough.

The real story is in the MLS photos and remarks. That’s where you see the level of renovation, the quality, the details. If that isn’t fully analyzed, the adjustments can come in light or not at all.

And that can pull your value down.

If you get a low appraisal, this is something you can challenge through an ROV. Go back to the comps. Look at the photos side by side. Ask if those homes really match your property in condition.

Not every appraisal misses this, but it happens more than it should.

Bottom line, if your house is clearly better, the numbers should reflect it. If they don’t, that’s where you start asking questions.

Okay friend… you KNOW I don’t play about my coffee ☕️ So Ive been pulling up to this new spot and tell me why they had affogato on the menu 👀 not just any affogato… we’re talking vanilla ice cream with a fresh, rich espresso poured over it and BABY when I say this coffee was one of the best I’ve had… I mean that.

But wait. Let’s get into the details because this is what took me out…
They used Häagen-Dazs ice cream. Like… excuse me?? We’re not doing regular over here.

AND instead of handing me one of those little plastic spoons like we fighting for our life trying to scoop ice cream… they gave me a real metal spoon. A METAL spoon. I said ohhh okay… so we’re doing this right.
The whole experience just felt elevated. Cozy, intentional, a little bougie in the best way. You know when you walk somewhere and it just matches your energy? Yeah… that.

I’m telling you now… if you love coffee the way I do, you need to try an affogato like this. This wasn’t just dessert… this was a moment.

My vibe. My mood. Exactly where I’m supposed to be 🤎

So you want to get into real estate? Did they tell you about the 11th hour?
Well if not let’s get into it. We were LESS than 24 hours away from closing on our Union City listing when a last minute hiccup came up. The buyers needed a wood table and a few remaining items in the garage hauled away before they could sign off on the verification of property. Cue the hauler truck pulling up, the stagers arriving, and everyone moving fast to get the garage AND THE whole 2,400 sq/ft home cleared out. .realtor and I jumped in and made sure everything got handled so escrow could stay on track. This right here is the kind of behind the scenes moment you do not see but it is very real in this business.

$1,850,000 transaction CLOSED! 😮‍💨
Get you a closer not a poser 🙂🤗

Some loans sound good until you realize you’ll still be paying long after your loan officer retires 😅
So look my dear, before jumping into “creative” financing, make sure it actually makes sense for your goals…. not just your monthly payment.

What do you think of this loan option?