Dade county florida property search

Fort Lauderdale

2010.09.21 09:29 RealityTvStar Fort Lauderdale

This community is for Fort Lauderdale, and immediate surrounding areas. We are building a community for the people who live and enjoy the area. Join our Discord where we banter and plan IN-PERSON events: https://discord.gg/EfYrsj2
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2009.11.12 01:59 josetavares South Florida

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2008.05.28 03:13 Miami: The only major US city conceived of by a woman

All about & around the Magic city.
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2023.06.01 23:34 KeysOfWanda Mary Eve (Louisville, Kentucky 1992 - unidentified decedent)

This was a case mentioned on the Wikipedia article for "List of unidentitified murder victims" which Wikipedia assholefucks deleted, and which there is virtually no documentation anywhere else on the Internet. I think this is the text that was on Wikipedia:
>On Christmas Eve 1992 the body of a female infant of possibly mixed race was found in a trash bag in the employee parking lot of oxmoor centre on Shelbyville road in louisville, the mother was never found.
https://www.facebook.com/WhoAreYouDoe0/photos/a.122124372580573/194849028641440/?paipv=0&eav=Afatxd-7UHzsafqufkqGepJanunZrMbIFvHjyDzU5e0S8o4cg9S--DtYiUCxki25tbo&\_rdr
I can find several articles from the Courier-Journal archives on newspapers.com referencing "Mary Eve" from January 1993 that I can not access because they are behind a paywall. But a reddit user apparently posted the contents of one of them a few years ago.
>“Story, Page B 1 .5 The mother of the newborn found dead on Christmas Eve "can take comfort in knowing she's our little girl, and we'll take care of her." More than 40 people attended Mary Eve's funeral. Theresa Adams and her husband, James, who arranged for the burial, wept yesterday at the cemetery. Jefferson County coroner, said yesterday that the child had been born healthy and died, probably from cold or suffocation, before being struck by one or more cars. Yesterday police questioned a woman after getting her name from a tipster, but she is not the baby's mother, Louisville police Lt. Gene Sherrard said. They'll continue to pursue every lead, he said. But mourners at the funeral, though curious about the parents, were more concerned with giving Mary Eve a decent burial. Theresa Adams, of Fairdale, said everyone at the service felt a connection to Mary Eve. "Her mother can take comfort in knowing she's our little girl, and well take care of her," she said. See BABY Page 5, col. 1, Family of strangers puts abandoned baby to rest. Some people brought flowers, and a dark-haired woman placed a teddy bear near the tiny, closed bubble casket. The infant who had been found dead Christmas Eve in an Oxmoor Center parking lot, naked but for a plastic trash bag, prompted a police search for the person who put her there. It seemed that no one would claim her. But the 7-pound newborn, named Mary Eve after her death, was surrounded by mourners yesterday at Bethany Memorial Cemetery in Jefferson County, Ky. More than 40 strangers gathered to say goodbye. They'd never seen her, but for this day at least, they were her family. "She became our little girl today," said Theresa Adams, who with her husband, James, arranged for the burial.”
https://www.reddit.com/UnresolvedMysteries/comments/9o5j0f/kentucky\_unsolved/
This case is of interest to me because I have family in the Louisville area who I used to visit fairly often who lived near Shelbyville Road. The shopping center mentioned in the article, Oxmoor Center, sounds very familiar, I think I may have been there once years ago. Clearly this happened in the area of Louisville where my relatives live.
Has anyone tried to find out more on this? With all the old cases being solved recently due to genetic genealogy (some of which I was thinking would never be solved) I was hoping to hear this one was too, but as long as nobody remembers it and virtual all traces or mentions are gone, nobody will even bother trying to solve this one.
submitted by KeysOfWanda to coldcases [link] [comments]


2023.06.01 23:31 proffpizza Roofing contractor in Florida

I am part of a small Home owners association (HOA) consisting of 10 homeowners. I own one unit (rental property). In November 2022, my HOA had contracted a roofing company for a re-roofing project and paid 50% ($35,500) upfront towards starting costs. The roofing contractor has been telling the HOA president for at least 3 months that the permit paperwork has been submitted to the city but this could not be verified with the city building department. On all homeowners request, the HOA president had called for a meeting with the roofing contractor and all unit owners. The contractors did not show up for the meeting citing that he does not have any 'concrete' update. According to the roofer, he does not have any permit number but claims that the city has been giving him a hard time and that due to some issue with his partner the job could not be done but needs one more week to file permits. The HOA president signed the new permit today and is of the view that we should give him more chance as getting the money will be a 'hard' process. I wanted to know what options under Florida law i have as a unit owner to get my $7100 back, also what options does the HOA has to recover the money back? Thank you
submitted by proffpizza to legaladvice [link] [comments]


2023.06.01 23:30 Late_Ad8151 Hey Reddit I’m making an update from my recent post about googles email

Hey Reddit I’m making an update from my recent post about googles email
So they responded they sent this in this.
submitted by Late_Ad8151 to legal [link] [comments]


2023.06.01 23:25 fettyman063 Pinellas county Florida anyone get a chance after their first UA?

Okay so I fucked up and did a little coke the day before I have to check in and he might test me I wanna know if theirs any chances or straight to jail plz lmk I’m anxious af about it
submitted by fettyman063 to probation [link] [comments]


2023.06.01 23:21 tigerstef The REIWA website no longer shows the total number of properties for sale, rent or sold in WA. Anyone know how to find that number?

So, the REIWA website https://reiwa.com.au/ used to show the exact number of properties for sale, rent and sold in the last 12 months on their starting/search page. Now it just says "Thousands" which isn't really helpful at all and not very transparent for buyers and renters who would like to know.
Anybody know how to still find this information?
submitted by tigerstef to perth [link] [comments]


2023.06.01 23:17 indian_outlaw_ Big Marion knife. Don’t see em this size too often. 4 1/8” from Alachua county, Florida

Big Marion knife. Don’t see em this size too often. 4 1/8” from Alachua county, Florida submitted by indian_outlaw_ to Arrowheads [link] [comments]


2023.06.01 23:17 redtimmy How do I get back to my ideal workspace?

This is my ideal workspace:
https://preview.redd.it/dfqb39cp2h3b1.png?width=2560&format=png&auto=webp&s=2cdac8a067581a86e8a9fd87901cb3fdaae4ff6e
Note that all the panels stick to each other. Search and Properties switch places based on context.
I unplugged my display and then the windows got messed up, and try as I might, I can't get back to this. The closest I can get to is this:
https://preview.redd.it/m3zuxmj53h3b1.png?width=2560&format=png&auto=webp&s=b2975a1217d0d900abbe14dda3fcc13ae4b505b3
Two main problems:
#1, that windowed file display. I hate that.
#2, Properties is not sticky, and doesn't stretch to cover the space. The bottom of the file doesn't stick to the top of the properties box.
What do I do? How do I fix this?
submitted by redtimmy to Dreamweaver [link] [comments]


2023.06.01 23:12 indian_outlaw_ Not your average Bolen. From Alachua county, Florida. Steep bevel & a heavily ground base.

Not your average Bolen. From Alachua county, Florida. Steep bevel & a heavily ground base. submitted by indian_outlaw_ to Arrowheads [link] [comments]


2023.06.01 23:07 worrisomeme Michigan sellers refusing to leave, no realtors or contracts for them to be tenants

In case it makes a difference, this is all in Kent County. Me and my fiance just purchased a manufactured home directly from the homeowners. We didn't use realtors, but we did go through a mortgage company for financing (I believe they said it was called a chattel loan but I may be remembering that wrong). The home is in a trailer park but we didn't finance through them. The mortgage company is in Tennessee so everything was done via online and FedEx overnight. We signed the closing documents last Tuesday, the mortgage company has the title for the home, and the sellers informed us via a text message that the full funds for the home were available in their bank this morning. We haven't yet signed a lease with the trailer park for the land but we did have a appointment with the office manager for 10 am on the 14th to come in and sign, with the possibility to adjust as needed as we were waiting for a definitive move-out date from the sellers. We had verbally agreed to allow the sellers no more than 30 days after closing to move out, but there was no contract signed or stipulation in the mortgage allowing them to stay past closing. We have communicated throughout the entire process to the homeowners that our lease at our apartments ends June 27th and we would need time to move out before then as me and my fiance both work full time and he also goes to school full time.
This morning the homeowners stated they will not be leaving the property until July. I told them that's not what we agreed to, that 30 days from closing would be the night of the 20th, and we were willing to find a day somewhere in the middle as a compromise so neither party is inconvenienced. They stated the earliest they would give us the keys is the night of June 30th. I told them that was not an option for us and suggested the night of the 23rd so we could at least have that weekend and they would still have more than even what we had initially agreed upon. They still refused and said the earliest they would give us the keys is the night of June 30th and told us not to contact them again. They have told me over the phone in conversation that the funds from the payment would go to court fees for custody of one of their children, not to mention they already had at least 60% of their belongings packed and in a storage unit since before we even applied for the mortgage as they have been trying to sell the home since October 2022, so it wouldn't appear their issue is not having new housing lined up. They've also told us over the phone that the trailer park has been trying to evict them. Up until today everything has been very amicable and they have been nothing but nice to us and vice-versa.
Sorry this is so long, but there was a lot of relevant background. What are our options here? We really don't want to include police if we can avoid it as they have a preteen in the house we would rather not traumatize. At the same time, we don't really feel comfortable going to the home without some kind of escort after this. Also, we agreed to purchase the home as-is with all appliances and updates to things like the furnace and water heater, and me and my fiance are both extremely concerned about them damaging things or taking things with them that they were supposed to leave. We don't have any money for repairing or replacing those kinds of things, so at this point we really would like for them to be out of the house as quickly as possible. We have new locks for the doors and security cameras we will be setting up as soon as we gain possession, but until they're out of the home we don't know what to do.
Thanks in advance for any advice anyone can offer.
submitted by worrisomeme to legaladvice [link] [comments]


2023.06.01 23:03 subredditsummarybot Your weekly /r/house roundup for the week of May 25 - May 31

Thursday, May 25 - Wednesday, May 31

Top 10 Posts

score comments title & link mirrors
38 4 comments Crystal Waters - 100% Pure Love
32 1 comments Basement Jaxx - Romeo (Official Video) [2001 - UK] [Sp] [AM] [BC] [Dzr] [SC]
27 5 comments Laurent Garnier - The Man With The Red Face (Live) [2000 - France]
24 6 comments Track Id of this song? played by Solomun in 2023
21 1 comments Mall Grab - Feel U [Dzr] [SC]
17 2 comments Sade - Smooth Operator (C.I.S.C.O Edit) [AM] [BC] [Dzr] [SC]
17 3 comments Diana Ross - Upside Down (Kolter Edit) [Sp] [AM] [BC] [Dzr] [SC]
16 0 comments M&S Pres. The Girl Next Door - Salsoul Nugget (If U Wanna) (M&S Sure Shot Dub)
15 8 comments Capcom vs. SNK 2 - This Is True Love Makin'
14 2 comments The Streets - Weak Become Heroes (Ashley Beedle's Love Bug Vocal) [Sp] [AM] [BC] [Dzr] [SC]
 

Top 5 Most Commented

score comments title & link mirrors
12 26 comments What is your most prized record in your record collection??
9 14 comments Podcasts?
10 13 comments Anyone know of the house scene in the Tampa Bay Florida area? I just moved here
3 13 comments Seeking Chilled House Music Suggestions for New Beach Bar
1 9 comments House/Tecno festivals in the fall?
 
submitted by subredditsummarybot to House [link] [comments]


2023.06.01 22:49 Railman20 Are (A. ferox) Florida soft shell turtles a type of snapping turtle?

I may have been mis Identifying them. I wanted to search up some info on them and didn't know what they were called so I search up soft shell snapping turtle and see results show up on Google for the Florida soft shell turtle.
submitted by Railman20 to reptiles [link] [comments]


2023.06.01 22:44 Ultimate_Gamer7 How do I make an object match the surface's rotation?

submitted by Ultimate_Gamer7 to robloxgamedev [link] [comments]


2023.06.01 22:40 TheOddCrayon F4M - Dark - Crime/Horror Roleplay - NON SMUT.

Hey! I'm a 25-year-old female and I'm looking to roleplay 1x1 with a male on Discord between 19 and 30 years of age. Please note before I speak further, I am a working individual, I'm not available around the clock so if I don't reply immediately, it's because I'm asleep or working and I'll get back to you as soon as I physically can.
This is a long-term roleplay that I've been writing for 11 years so I have a lot of character development in place for certain characters (not the detective, he is completely your own to create, backstory and all). I'm looking for someone detailed and descriptive in their writing; I'm not looking for a Shakespeare novel but I don't want one-three liners either. I play multiple characters so I'm looking for someone willing to do the same so I'm not talking to myself. The only characters you don't need to play are my OC and the boy within the prompt which follows - I take these on board. I do not bite so feel free to ask at any point if you are unsure! My OC is named Rochelle who is 25 years of age, she has long blonde hair and hazel eyes, standing at 5'2" like yours truly. I'm happy to provide any further OC information via PM or just discuss this further there.
I'm sorry, but if you only send me Hi/Hello/etc or one sentence, I will be ignoring the message.
Please be advised that this roleplay has dark subjects which is something I'm willing to discuss further in PM, please let me know of any trigger warnings/sensitive issues that you have if you're willing to do so. Alternatively, feel free to ask for a list of the dark subjects included. This roleplay is futuristic but please don't be a God-modder. My prompt is posted below, please DM me on Reddit if you're interested.
It is the year 2143 and over the past couple of years, but much more recently, there’s been a lot of concern and worry in families around the county/state you live in due to people in their twenties disappearing into thin air. This concern had grown so high that this was now being discussed on a much wider scale. All media outlets were reporting on the disappearances every chance they got in the hopes that one viewer or listener had information on at least one of the individuals and would get in touch. Nobody ever did. Eventually, the police created a detective agency to help themselves out with the cases. Detectives had been door to door multiple times around every single neighbourhood in the county/state and there was still no luck whatsoever. The police were about to give up on their search and make all of their cases cold but your boss Craig, a 54-year-old man, sent you on the final investigation to stake out at a mansion down, what everyone always believed to be, a deserted road overnight. If this investigation came back empty, all the cases would run cold. He knew it would be a dangerous mission, lives were at stake and if anyone who willingly lived at the property found out the police were literally on their doorstep, every single victim could easily be shot and killed. This meant that before you left, Craig gave you a few undercover outfits to wear to choose from, all coming under a homeless-type attire to try and gain sympathy and a room, even if just for one night. One night could be all that stood between you and solving the case. You finally arrived at the creepy-looking mansion after two hours of driving, arriving at 11 pm. The sky was pitch black, rain pouring down from above and very quickly soaking you to the bone. You knocked on the front door of the mansion to see if there was any response or to see if this place truly was deserted but, to your surprise, the door opened after a few minutes. When it did open, you were greeted by a young boy at 16 years old standing in the foyer before you. He wore a full black suit fitted with a white tie in a cravat knot. The boy held confidence in the way he stood but you noticed, after studying body language as part of your intensive training, there wasn't a slither of confidence in his eyes. "Can I help you, Sir?" He asked tiredly. Once he spoke, he glanced up to the beating rain then looked back at you while he awaited your response.
submitted by TheOddCrayon to RoleplayPartnerSearch [link] [comments]


2023.06.01 22:39 TheOddCrayon F4M - Dark - Crime/Horror Roleplay.

Hey! I'm a 25-year-old female and I'm looking to roleplay 1x1 with a male on Discord between 19 and 30 years of age. Please note before I speak further, I am a working individual, I'm not available around the clock so if I don't reply immediately, it's because I'm asleep or working and I'll get back to you as soon as I physically can.
This is a long-term roleplay that I've been writing for 11 years so I have a lot of character development in place for certain characters (not the detective, he is completely your own to create, backstory and all). I'm looking for someone detailed and descriptive in their writing; I'm not looking for a Shakespeare novel but I don't want one-three liners either. I play multiple characters so I'm looking for someone willing to do the same so I'm not talking to myself. The only characters you don't need to play are my OC and the boy within the prompt which follows - I take these on board. I do not bite so feel free to ask at any point if you are unsure! My OC is named Rochelle who is 25 years of age, she has long blonde hair and hazel eyes, standing at 5'2" like yours truly. I'm happy to provide any further OC information via PM or just discuss this further there.
I'm sorry, but if you only send me Hi/Hello/etc or one sentence, I will be ignoring the message.
Please be advised that this roleplay has dark subjects which is something I'm willing to discuss further in PM, please let me know of any trigger warnings/sensitive issues that you have if you're willing to do so. Alternatively, feel free to ask for a list of the dark subjects included. This roleplay is futuristic but please don't be a God-modder. My prompt is posted below, please DM me on Reddit if you're interested.
It is the year 2143 and over the past couple of years, but much more recently, there’s been a lot of concern and worry in families around the county/state you live in due to people in their twenties disappearing into thin air. This concern had grown so high that this was now being discussed on a much wider scale. All media outlets were reporting on the disappearances every chance they got in the hopes that one viewer or listener had information on at least one of the individuals and would get in touch. Nobody ever did. Eventually, the police created a detective agency to help themselves out with the cases. Detectives had been door to door multiple times around every single neighbourhood in the county/state and there was still no luck whatsoever. The police were about to give up on their search and make all of their cases cold but your boss Craig, a 54-year-old man, sent you on the final investigation to stake out at a mansion down, what everyone always believed to be, a deserted road overnight. If this investigation came back empty, all the cases would run cold. He knew it would be a dangerous mission, lives were at stake and if anyone who willingly lived at the property found out the police were literally on their doorstep, every single victim could easily be shot and killed. This meant that before you left, Craig gave you a few undercover outfits to wear to choose from, all coming under a homeless-type attire to try and gain sympathy and a room, even if just for one night. One night could be all that stood between you and solving the case. You finally arrived at the creepy-looking mansion after two hours of driving, arriving at 11 pm. The sky was pitch black, rain pouring down from above and very quickly soaking you to the bone. You knocked on the front door of the mansion to see if there was any response or to see if this place truly was deserted but, to your surprise, the door opened after a few minutes. When it did open, you were greeted by a young boy at 16 years old standing in the foyer before you. He wore a full black suit fitted with a white tie in a cravat knot. The boy held confidence in the way he stood but you noticed, after studying body language as part of your intensive training, there wasn't a slither of confidence in his eyes. "Can I help you, Sir?" He asked tiredly. Once he spoke, he glanced up to the beating rain then looked back at you while he awaited your response.
submitted by TheOddCrayon to discordroleplay [link] [comments]


2023.06.01 22:34 Stargazer_Tree A bolha imobiliária rebentou... Com o direito à habitação, consagrado na CRP.

Sotão com vista para a quelha, pela única janela. Não adaptado a menores (seja lá o que isso significa), poderá passar a contrato de longa duração, mas o preço não é negociável. 1444€/mês, uma pechincha. Viana do Castelo, essa urbe cosmopolita onde nada se passa, só mesmo o comboio e se não houver greve.
https://www.idealista.pt/imovel/32685522/?xts=582068&xtor=EPR-1148-[express_alerts_20230601]-20230601-[Property_New_Link][email protected]&isFromSavedSearch=true&savedSearchAlertId=53356993&genericSearch=true
submitted by Stargazer_Tree to portugal [link] [comments]


2023.06.01 22:32 xendistar Save Eastbourne Speedway

Save Eastbourne Speedway submitted by xendistar to MotorcycleSpeedway [link] [comments]


2023.06.01 22:26 table_fireplace In a deep red Florida county, a student-teacher revolt shames the right

In a deep red Florida county, a student-teacher revolt shames the right submitted by table_fireplace to VoteDEM [link] [comments]


2023.06.01 22:24 AC26656 42 [M4F] Salinas / Monterey - Casual FWB Arrangement

Hey all, I'm in search of a female who'd like to set up a casual FWB arrangement. The ideal person would live in the 831 ( Monterey or Sata Cruz County), but I'm willing to drive to 408 if we click.
I am Mexican, 5'11, around 265 (and losing). Good stamina, multiple rounds. Good person to talk to, great listener. Non judgemental (we've all done dumb shit). Open to a variety of kinks. Have a 10am to 5pm. Available to meet a couple of days a week. Open to hanging out. The ideal person would be between the ages of 24 to 38 (+/- 3), but truelly open to anyone, the goal is that we click, and have fun
submitted by AC26656 to sjr4r [link] [comments]


2023.06.01 22:19 Dismal-Jellyfish Six federal regulatory agencies today requested PUBLIC COMMENT on a proposed rule designed to ensure the credibility and integrity of models used in real estate valuations. In particular, the proposed rule would implement quality control standards for automated valuation models (AVMs).

Six federal regulatory agencies today requested PUBLIC COMMENT on a proposed rule designed to ensure the credibility and integrity of models used in real estate valuations. In particular, the proposed rule would implement quality control standards for automated valuation models (AVMs).
https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20230601a1.pdf
Under the proposed rule, the agencies would require institutions that engage in covered transactions to adopt policies, practices, procedures, and control systems to ensure that AVMs adhere to quality control standards designed to ensure the credibility and integrity of valuations. The proposed standards are designed to ensure a high level of confidence in the estimates produced by AVMs; help protect against the manipulation of data; seek to avoid conflicts of interest; require random sample testing and reviews; and promote compliance with applicable nondiscrimination laws.
AVMs are used as part of the real estate valuation process, driven in part by advances in database and modeling technology and the availability of larger property datasets. While advances in AVM technology and data availability have the potential to contribute to lower costs and reduce loan cycle times, it is important that institutions using AVMs take appropriate steps to ensure the credibility and integrity of their valuations. It is also important that the AVMs institutions use adhere to quality control standards designed to comply with applicable nondiscrimination laws.

The Proposed Rule

  • The agencies are inviting comment on a proposed rule to implement quality control standards for the use of AVMs that are covered by this proposal.
  • The agencies’ proposed rule would require that mortgage originators and secondary market issuers adopt policies, practices, procedures, and control systems to ensure that AVMs used in certain credit decisions or covered securitization determinations adhere to quality control standards designed to meet specific quality control factors.
  • The proposed rule would not set specific requirements for how institutions are to structure these policies, practices, procedures, and control systems. This approach would provide institutions the flexibility to set quality controls for AVMs as appropriate based on the size of the institution and the risk and complexity of transactions for which they will use AVMs covered by this proposed rule. As modeling technology continues to evolve, this flexible approach would allow institutions to refine their policies, practices, procedures, and control systems as appropriate.
  • The agencies’ existing guidance related to AVMs would remain applicable.
  • The quality control standards in section 1125 of title XI apply to AVMs “used by mortgage originators and secondary market issuers to determine the collateral worth of a mortgage secured by a consumer’s principal dwelling.”
  • The proposed rule would implement the statute by applying the quality control standards when an AVM is being used to make a determination of collateral value, as opposed to other uses such as monitoring value over time or validating an already completed valuation. Determinations of collateral value are generally made in connection with credit decisions or covered securitization determinations as defined in this proposed rulemaking, for example when determining a new value before originating a purchase-money mortgage or placing a loan in a securitization pool. Other uses of AVMs, such as for portfolio monitoring, do not involve making a determination of collateral value, and thus are not within the scope of the proposed rule.
  • The agencies are further proposing that the rule would not cover the use of AVMs in the development of an appraisal by a certified or licensed appraiser, nor in the review of the quality of already completed determinations of collateral value (completed determinations).
  • The proposed rule would cover the use of AVMs in preparing evaluations required for certain real estate transactions that are exempt from the appraisal requirements under the appraisal regulations issued by the OCC, Board, FDIC, and NCUA, such as transactions that have a value below the exemption thresholds in the appraisal regulations.
  • Section 1125(c)(1) provides that compliance with regulations issued under this subsection shall be enforced by, "with respect to a financial institution, or subsidiary owned and controlled by a financial institution and regulated by a Federal financial institution regulatory agency, the Federal financial institution regulatory agency that acts as the primary Federal supervisor of such financial institution or subsidiary.”
  • Section 1125(c)(1) applies to a subsidiary of a financial institution only if the subsidiary is (1) owned and controlled by a financial institution, and (2) regulated by a Federal financial institution regulatory agency. Section 1125(c)(2) provides that compliance with regulations issued under this subsection shall be enforced by, "with respect to other participants in the market for appraisals of 1-to-4 unit single family residential real estate, the Federal Trade Commission, the Bureau of Consumer Financial Protection, and a State attorney general.”
  • The proposed rule would define “covered securitization determination” to mean a determination regarding (1) whether to waive an appraisal requirement for a mortgage origination in connection with its potential sale or transfer to a secondary market issuer, or (2) structuring, preparing disclosures for, or marketing initial offerings of mortgage-backed securitizations. Monitoring collateral value in mortgage-backed securitizations after they have already been issued would not be covered securitization determinations.

Rules on AVMs used in connection with making credit decisions:

The proposed rule would apply to AVMs used in connection with making a credit decision. The proposed rule would define “credit decision,” in part, to include a decision regarding whether and under what terms to originate, modify, terminate, or make other changes to a mortgage. The scope provision of the proposed regulatory text would expressly exclude the use of AVMs in monitoring the quality or performance of mortgages or mortgage-backed securities. The use of AVMs solely to monitor a creditor’s mortgage portfolio would not be a credit decision under the proposed rule because the lending institution has already made the credit decision. The scope of the proposed rule would include, for example, decisions regarding originating a mortgage, modifying the terms of an existing loan, or renewing, increasing, or terminating a line of credit. The proposed rule uses the term “credit decision” to help clarify that the proposed rule would cover these various types of decisions. The proposal to limit the scope of the rule to credit decisions and covered securitization determinations reflects the statutory definition of AVM, which focuses on the use of an AVM “by mortgage originators and secondary market issuers to determine the collateral worth of a mortgage secured by a consumer’s principal dwelling.”23 The proposed rule would distinguish between using AVMs to determine the value of collateral securing a mortgage and using AVMs to monitor, verify, or validate a previous determination of value (e.g., the proposed rule would not cover a computerized tax assessment used to verify the valuation made during the origination process).24 The proposed rule focuses on those aspects of mortgage and securitization transactions where the value of collateral is typically determined. Loan modifications and other changes to existing loans. The proposed rule would cover the use of AVMs in deciding whether to change the terms of an existing mortgage even if the change does not result in a new mortgage origination, as long as a “mortgage originator” or “secondary market issuer,” or servicers that work on the originator’s or secondary market issuer’s behalf, uses the AVM to determine the value of a mortgage secured by a consumer’s principal dwelling. For example, the proposed rule would cover AVMs used in making decisions to deny a loan modification or to confirm collateral values, such as when there is a request to change or release collateral. In relevant part, section 1125 provides that an AVM is “any computerized model used by mortgage originators and secondary market issuers to determine the collateral worth of a mortgage . . . .”25 The agencies’ view is that the phrase “determine the collateral worth” broadly covers instances where mortgage originators and secondary market issuers use AVMs in connection with making credit decisions. Under the proposal, the agencies consider mortgage originators and secondary market issuers or servicers that work on their behalf to be using AVMs in connection with making a credit decision when they use AVMs to modify or to change the terms of existing loans.
How I understand it:
  • The rule would cover a range of decisions such as mortgage origination, modification, or termination, and uses "credit decision" as a blanket term to simplify this. Think of it as the umbrella under which all these different decisions take shelter.
  • The rule would differentiate between using AVMs for deciding the value of collateral securing a mortgage and using them to check, validate, or affirm a previous value determination. In short, it’s not about looking back and second-guessing, but rather about making fresh valuation decisions.

AVMs used by secondary market issuers:

The language of section 1125 includes not only mortgage originators, but also secondary market issuers. Given that the statute refers to secondary market issuers and the primary business of secondary market issuers is to securitize mortgage loans and to sell those mortgagebacked securities to investors, the proposed rule would cover AVMs used in securitization determinations. In addition, covering AVMs used in securitizations could potentially protect the safety and soundness of institutions and protect consumers and investors by reducing the risk that secondary market issuers will misvalue homes. For example, misvaluation by secondary market issuers could in turn incentivize mortgage originators to originate misvalued loans when making lending decisions Such misvaluations could pose a risk of insufficient collateral for financial institutions and secondary market participants and could limit consumers’ refinancing and selling opportunities.
How I understand it:
  • The proposed rule would also apply to AVMs used in securitization decisions, because secondary market issuers are typically busy bundling up these mortgages for selling to investors.
  • By extending to securitizations, the rule could help protect the safety of institutions, consumers, and investors by reducing the risk of misvaluing homes. So, it's like a security guard keeping watch over the valuation process.
  • Misvaluation by secondary market issuers could encourage mortgage originators to originate misvalued loans, a domino effect we don't want to see in the lending decisions....
    • Such misvaluations could pose a risk of insufficient collateral for financial institutions and secondary market participants and could limit consumers’ refinancing and selling opportunities.

Appraisal waivers:

The proposed rule would define “covered securitization determination” to include determinations regarding, among other things, whether to waive an appraisal requirement for a mortgage origination (appraisal waiver decisions).
Under the proposal, a secondary market issuer that uses AVMs in connection with making appraisal waiver decisions would be required to have policies, practices, procedures, and control systems in place to ensure that the AVM supporting those appraisal waiver decisions adheres to the rule’s quality control standards. In contrast, a mortgage originator that requests an appraisal waiver decision from a secondary market issuer would not need to ensure that the AVM used to support the waiver meets the rule’s quality control standards because the secondary market issuer would be using the AVM to make the appraisal waiver decision in this context, not the mortgage originator.
For example, both GSEs have appraisal waiver programs and are the predominant issuers of appraisal waivers in the current mortgage market. To determine whether a loan qualifies for an appraisal waiver under either GSE program, a mortgage originator submits the loan casefile to the GSE’s automated underwriting system with an estimated value of the property (for a refinance transaction) or the contract price (for a purchase transaction). The GSE then processes that information through its internal model, which may include use of an AVM, to determine the acceptability of the estimated value or the contract price for the property. If the GSE’s analysis determines, among other eligibility parameters, that the estimated value or contract price meets its risk thresholds, the GSE offers the lender an appraisal waiver. In this example, when the GSEs use AVMs to determine whether the mortgage originator’s estimated collateral value or the contract price meets acceptable thresholds for issuing an appraisal waiver offer, the GSEs would be making a “covered securitization determination” under the proposed rule. As a result, the proposed rule would require the GSEs, as secondary market issuers, to maintain policies, practices, procedures, and control systems designed to ensure that their use of such AVMs adheres to the rule’s quality control standards. On the other hand, when a mortgage originator submits a loan to determine whether a GSE will offer an appraisal waiver, the mortgage originator would not be making a “covered securitization determination” under the proposed rule because the GSE would be using its AVM to make the appraisal waiver decision in this context. As a result, the mortgage originator would not be responsible for ensuring that the GSEs’ AVMs comply with the proposed rule’s quality control standards.
How I understand it:
  • Defining "Covered Securitization Determination": This term would include decisions about waiving an appraisal requirement for a mortgage origination, also known as appraisal waiver decisions.
  • If these issuers use AVMs for making appraisal waiver decisions, they need to have policies and control systems in place to ensure that the AVMs adhere to the rule's quality control standards.
  • Mortgage originators requesting an appraisal waiver from a secondary market issuer wouldn't have to ensure that the AVM used meets the rule’s quality control standards.
    • This responsibility would rest with the secondary market issuer, not the originator.
  • GSEs as an Example: When GSEs (like Fannie Mae and Freddie Mac) use AVMs to decide whether the mortgage originator’s estimated collateral value or the contract price meets thresholds for issuing an appraisal waiver, they would be making a "covered securitization determination". As such, GSEs would need to ensure AVM adherence to the rule's quality control standards.
    • When a mortgage originator submits a loan to see if a GSE will offer an appraisal waiver, the originator is not making a "covered securitization determination", so they don't need to ensure GSEs' AVMs comply with the proposed rule’s quality control standards.

Other uses by secondary market issuers:

The proposed rule would define “covered securitization determination” to include determinations regarding, among other things, structuring, preparing disclosures for, or marketing initial offerings of mortgage-backed securitizations. Monitoring collateral value in mortgage-backed securitizations after the securities have already been issued would not be a covered securitization determination. The proposed rule would cover AVM usage if and when a secondary market issuer uses an AVM as part of a new or revised value determination in connection with covered securitization determinations. For example, the GSEs use the origination appraised value or the estimated value in appraisal waivers when issuing mortgage-backed securities. Hence, AVMs are not used by the GSEs to make a new or revised value determination in connection with MBS issuances. However, because the GSEs provide guarantees of timely payment of principal and interest on loans that are included in an MBS, they are obligated to purchase loans that are in default from MBS loan pools. The GSEs may modify such loans and subsequently re-securitize them as new MBS offerings. In these instances, the GSEs may use an AVM to estimate collateral value for investor transparency and disclosure. AVMs used in this manner by the GSEs would be considered covered securitization determinations because there are new or revised value determinations. As discussed in part II.A.3 of this SUPPLEMENTARY INFORMATION, the proposed rule distinguishes between secondary market issuers using AVMs to determine the value of collateral securing a mortgage versus using AVMs solely to review completed value determinations. For example, AVMs used solely to review appraisals obtained during mortgage origination would not be covered by the proposed rule.
How I understand it:
  • “Covered Securitization Determination”: This term would include decisions about structuring, preparing disclosures for, or marketing initial offerings of mortgage-backed securities.
    • However, monitoring collateral value after securities issuance wouldn't fall under this definition.
  • The rule would apply if a secondary market issuer uses an AVM for new or revised value determination in relation to covered securitization determinations.
  • Although GSEs don't use AVMs for new or revised value determinations for MBS issuances, they do use them when re-securitizing defaulted and modified loans for new MBS offerings.
    • In these cases, AVMs are used for estimating collateral value for investor transparency, and these instances would be considered covered securitization determinations.
  • The proposed rule differentiates between using AVMs to determine collateral value and using them only for reviewing completed value determinations.
    • For instance, using AVMs solely to review appraisals obtained during mortgage origination wouldn't be covered by this rule.

AVM uses not covered by the proposed rule

Uses of AVMs by appraisers. The proposed rule would not cover use of an AVM by a certified or licensed appraiser in developing an appraisal. This approach reflects the fact that, while appraisers may use AVMs in preparing appraisals, they must achieve credible results in preparing an appraisal under the Uniform Standards of Professional Appraisal Practice (USPAP) and its interpreting opinions.33 As such, an appraiser must make a valuation conclusion that is supportable independently and does not rely on an AVM to determine the value of the underlying collateral. The agencies also note that it may be impractical for mortgage originators and secondary market issuers to adopt policies, procedures, practices, and control systems to ensure quality controls for AVMs used by the numerous independent appraisers with which they work.
Who watches the watchmen though?

How to comment:

Commenters are encouraged to submit comments through the Federal eRulemaking Portal. Please use the title “Quality Control Standards for Automated Valuation Models” to facilitate the organization and distribution of the comments. You may submit comments by any of the following methods:
  • Federal eRulemaking Portal – Regulations.gov: Go to https://regulations.gov/. Enter “Docket ID OCC-2023-0002” in the Search Box and click “Search.” Public comments can be submitted via the “Comment” box below the displayed document information or by clicking on the document title and then clicking the “Comment” box on the top-left side of the screen. For help with submitting effective comments, please click on “Commenter’s Checklist.” For assistance with the Regulations.gov site, please call 1-866- 498-2945 (toll free) Monday-Friday, 9am-5pm ET, or e-mail [email protected].
  • Mail: Chief Counsel’s Office, Attention: Comment Processing, Office of the Comptroller of the Currency, 400 7th Street, SW, suite 3E-218, Washington, DC 20219.
  • You must include “OCC” as the agency name and “Docket ID OCC-2023- 0002” in your comment.
  • In general, the OCC will enter all comments received into the docket and publish the comments on the Regulations.gov website without change, including any business or personal information provided such as name and address information, e-mail addresses, or phone numbers. Comments received, including attachments and other supporting materials, are part of the public record and subject to public disclosure.
  • Do not include any information in your comment or supporting materials that you consider confidential or inappropriate for public disclosure.

TLDRS:

  • The proposal discusses the use of automated valuation models (AVMs) by mortgage originators and secondary market issuers to determine a mortgage's collateral value
  • Institutions engaged in certain credit decisions or securitization determinations would be required to adopt policies and procedures to ensure AVMs used adhere to quality control standards.
  • The proposal also aims to protect against data manipulation, avoid conflicts of interest, require random sample testing and reviews.
    • Data Manipulation: By implementing quality control standards and promoting transparency, this rule may reduce the risk of AVMs being manipulated to overestimate or underestimate a property's value.
    • Conflicts of Interest: It may mitigate potential conflicts of interest where a party could benefit from the property's valuation being higher or lower than its actual worth.
    • Inaccurate Valuations: The required random sample testing and reviews could catch systematic errors or biases in the AVMs that lead to inaccurate property valuations.
    • Discrimination: By requiring compliance with nondiscrimination laws, the rule could address loopholes where certain properties might be undervalued due to location in certain neighborhoods or other discriminatory practices.
    • Securitization Risks: The rule could help reduce the risk of mispriced mortgage-backed securities, by ensuring that the underlying assets (i.e., the properties) are properly valued. This is particularly crucial because undervaluation or overvaluation of properties could result in financial instability.
  • How does this relate to GameStop?
    • The broader economy is seeing regional banks blow up at these rates, what sort of stress will higher rates cause in the banking system with those trying to maintain their short positions for another day if they can't tip the scale on valuations on items that have become linchpins of their collateral down the line?
https://preview.redd.it/igzsym0msg3b1.png?width=610&format=png&auto=webp&s=a4b439129fa7d08828096a5efa72a067a56b44d3
submitted by Dismal-Jellyfish to Superstonk [link] [comments]


2023.06.01 22:07 jasontheflashteamTG Can't reply on forum because no play time in last week, is this new ?

Can't reply on forum because no play time in last week, is this new ? submitted by jasontheflashteamTG to Warthunder [link] [comments]


2023.06.01 22:01 Lillian_Dove45 Sister and I are trying to move out but problems with current lease.

Me and my sister are trying to move out from our parents apartment. Thing is my sister is on the lease with both my parents that allowed them to qualify for the apartment. We are trying to get her off the lease but that means my parents have to qualify for the apartment without her. I searched up that technically a person can be on 2 leases at the same time in Florida. I was told by the neighborhood we applied to that she couldn't be on 2 leases. We also asked if our current place we live at would accept notarized letter stating that our oldest brother would cover some of the rent for our parents but they say they don't accept those. My question is, is there another option for her to get of the lease? We are trying to leave a toxic household as soon as possible. What would be the reasons for someone not being allowed to be on 2 different leases? We qualify for the apartment we are trying to go for with both of our incomes, id like advice on what to do.
submitted by Lillian_Dove45 to legaladvice [link] [comments]


2023.06.01 21:59 ScarletBurn An American's crazy living-situation. Yes, I've moved 6 times in 9 months. Here's how

I moved a grand total of 6 times during this time period. Some by choice, others by — well — not by choice.
So, after finishing University in my hometown, Florida, I became very bored of the mundane "work, eat, sleep" life. So, I sporadically booked a flight to the sunniest place in Germany — Freiburg im Breisgau. I took a German class in highschool, so I thought why not learn another language while I'm out and about in a place I've never been before. I enrolled in a language school, where they would provide me a visa that lasted 1 year. Now here's where things get juicy.
I arrived by plane (obviously) and was escorted by the language school to my 'family'. I chose to live with a host family because I wanted to learn about German culture, and I wanted to really get into the whole "language speaking" thing. When I arrived, a woman greeted me at the door. She was in her mid 50s, and very tiny. I greeted her and quickly found out that she didn't speak any English. Like, at all. But that was okay with me because that means that I'd be forced to speak German. The issue is that she didn't really speak much German either. Well, somewhere between A2 and B1. Better than me, but... you know. I made myself comfortable in my room and went downstairs for dinner.
Two other students joined us. I asked through Google translate why they were here, because I was informed that I would be the only student. She said that Turkish would be better for her because she didn't understand the question when it was presented in german. It turns out that I was the only student from MY language school. She was working with other language schools, and hosted up to 6 students at a time. Okay, cool. I respect the grind!
I quickly befriended a few people at the language school. These students also had host families, and rambled on about how wonderful they were. Evidently, these hosts made breakfast for the students. It was in the contract, but I assumed that it was optional for the host to provide breakfast. I asked my host 'mom' why I didn't have breakfast and she replied that she didn't want to get up that early, because work for her starts at 10am. ( I leave the house at 8am) I asked if it would be possible for her to provide me with some sort of salami or cheese for breakfast every now and then. She begrudgingly agreed, and the next day I was provided with the worst quality salami I've ever seen in my life. (No offence to Netto) Keep in mind I'm paying this woman 990 euros a month for an 8m² room that includes breakfast and dinner. Yikes.
I offered for her to pay me back a few euros so I could make my own breakfast. She told me that she wasn't able to do that, because she needed the money. So, I had to buy my own things for breakfast. One day, she told me that I was taking up too much fridge space. I didn't understand exactly what she meant because her Turkish accent was very hard to understand, so I nodded my head and moved all of my things to the corner of the fridge. (It was 4 items: salami, cheese, mayo, and mustard) She raised an eyebrow at me, sighed, and left the room. One of the students who was sitting in the kitchen at the time told me that she told me to remove my things from the fridge altogether because they were taking up space and it was disrespectful. Oh man. Okay. I just threw everything away because I was so frustrated.
She also had these weird "rules" I had to follow.
- Doing laundry was 5 euros per load.
- I was not to open the window at night. It was SO hot at night and I would wake up at 4am with my bedsheets drenched in sweat. She said that if I wanted to wash my bedsheets more than once very other week, I would be charged accordingly.
- If I had a friend come over, it was 30 euros if they stayed past 9pm.
- No meat was to be eaten unless it was a Friday.
- No alcohol (I'm 23 years old???)
But I sucked up these rules becuase at the end of the day, it was HER house. I just thought that because I was paying a large sum for so little, I'd be allowed a little more control.
Anyway, a week or two after me moving in, my host mom asked me to come with her to meet her friends. I felt like we got off on the wrong foot so I thought I'd tag along. Keep in mind this is August, so it's about 28C outside. I wore a tank top and some pants. When I greeted her outside, she looked me up and down and told me to change. Politely, though. I changed into one of my sleeveless turtlenecks. When she saw this, she sighed and handed me her jacket. Weird, I thought, but it was a friendly gesture — right? Hmm. We drove to a park nearby our village and there was a large group of people waiting for us. They were all dressed rather modestly for the weather, but I thought nothing of it. She then explains to me that she's a Jehovah's Witness, and that this is a Jehovah's Witness meeting. Oh, okay. I have no issues with religion, but MAN. I'll spare you the details. Everyone at the meeting was incredibly kind, but they kept on trying to talk to me about God and the Bible.
They added me to a groupchat and told me to meet with them every Friday. If I wasn't able to make it in person, then I could join on Zoom. I didn't know what to say. It was around this time that I got a message from the school saying that they were going to move me to a new host family. Just my luck! This was because she was going to see her mother for 3 months in Turkey.
A few days after I got the notice, I was scheduled to be picked up and driven across the village by my new host 'dad'. He was a German man in his late 60s. He seemed to be kind although kinda' standoff-ish. My room was above his. Great! It was nearly 28m², and I had tons of light flowing into my room. He told me the rules of the house. Pretty basic and very understandable. However, there was something that stuck out to me. I had to ring the doorbell every time I wanted to use the kitchen.
I asked him why. He said "I'm a nudist, so I must make myself presentable when you come down." Oh god, okay. It's HIS house, ya know? I asked him about midnight snacks, because I occasionally come home late (over the weekend) and during the week I generally eat later. He said that it wouldn't be possible for me to use the kitchen past 10pm. He added that no snacks were allowed in my room. Sternly, he told me that my "late nights" would have to come to an end. Hah! I asked my German friends if this was normal and they said he was "just being German".
There was a butcher shop about a 4 minute walk from the house, so I thought I'd get him a "welcome" gift. I knew he ate meat, because for dinner we ate weinerschnitzel. I picked out a nice link of salami and handed it to him the next time we sat down for dinner. He seemed to be pleased. He asked where I bought it from, and I told him it was from the nearby butcher shop. When I say the atmosphere changed, it CHANGED. He looked down on me with a slight glare and said "I do not want such a thing. Do you know where this meat is from? I do not know. That shop probably treats the animals horribly. I do not support that." Well, the rest of dinner was awkward.
There was an instance where two Italian students were staying with us, and we had dinner with them. They spoke B2 German, and I was still at A1 (if that, honestly). They were chatting up a storm and I sat quietly and tried to listen. One of the Italian girls asked me in German if I was shy and I told her that I wasn't but I just couldn't keep up with the conversation. The host 'dad' laughed and told them in English that I "refused to speak German" because "[my] German was embarassingly bad." Hmm, that didn't feel too good. I didn't speak to him in German ever again and till this very day I struggle with speaking because I keep hearing him in my head. Ah!
Now, around this time (about 2.5 months in) I've been making more local friends and they've been telling me that I can easily rent my own apartment for the amount of money I'm paying the school. The thought of independance got me excited, so I called up the school and said HEY, refund me all the money for the host families — I'm moving into my OWN place! I hopped on WG Gesucht and found a room with a guy right in the city center of Freiburg. Hell yeah! 350 Euros a month, too. The lease was limited to about 3 months, though.
The man was in his early 30s and he told me that he preferred to keep a quiet household. Totally fair, as I literally lived in the livingroom and there wasn't much space for guests. Throughout my whole stay, he probably spoke a good 30 combined minutes to me. Like, in total. These 30 minutes consisted of him telling me to limit my bath time to 5 minutes. I'm not saying he would stand outside the bathroom and count the seconds I was in the tub, but he would coincidentally knock on the door and tell me that my 5 minutes was up whenever he was home. When I told him that I wouldn't mind sending him extra money for the water usage, he said "Oh, would you like to support the Russian government?" Uh, what? I gave up on showering/bathing when he was around. He charged me 70 euros extra anyway, and said that he didn't have the water bill on paper but that these costs were correct.
While all of this was taking place, my language school friends convinced me to download Tinder. Sure, why not. After a few dates with some kind men, I met this German guy "Steve" and we clicked pretty well. He unfortunately had a ski trip planned for when I moved out, so I wasn't able to stay with him in his apartment while I searched for my own.
Anyway, I went back on WG Gesucht in an effort to find another room/flat to stay in. And I did! Oh, it was lovely. A 1 bed 1 bath, 70m right next to the Alt Stadt. I could finally have privacy! I spoke with the landlord and she gave me the greenlight to rent till August of 2023. Perfect! I was to sign a contract 2 weeks before the move-in date. When the sign-date arrived, I got a call from her saying "actually we decided to give this to a different tenant. Thank you for your time!" Ooookay, so I'm basically homeless in 2 weeks. I spoke with my current landlord, and he told me I could stay an extra 2 weeks till I found a place. Great! I went back on the WG-Gesucht grind again. I found an even BETTER apartment closer to the city center, and the landlord seemed to be lovely. Just 3 days before I moved in, I got a text from the current landlord saying that they were unable to offer me the apartment due to an "unforseen circumstance". Bro. What? I'm going to be homeless in 3 days. Are you serious? I signed a contract and everything.
Well, it turns out that the contract wasn't valid because they weren't the landlords. They're tenants. And their "landlord" IS ALSO A TENANT. Apparently the actual landlord found out that they were subleasing illegally, so they were being evicted. How fun!
So at this point, I'm pretty desperate. The friends I made were gone, because guess what. It's almost December, and everyone flew back home. My German friends are all students so they went back to their little German villages in the middle of nowhere and couldn't take me. I desperately put ads up on Kleinanzeigen and WG Gesucht, but to no avail. Everyone is on vacation! Hotels were 100+ Euros a night, but it seemed that that was the only option. I found an Airbnb that charged only 650 euros for 15 nights, which should give me enough time to find another room. So I booked my stay. Just a day before I moved out, I recieved a message on Kleinanzeigen. A room in Waldkirch — a village about a 25 minute train ride away. Fine. I'll take it. When I tell you I RAN into that apartment, I was literally shaking the landlords hand with teary eyes telling her how much I appreciated it.
I canceled my AirBnB, but they didn't give any refunds. Yeah, it was in the description before I made the purchase, but I'd rather live in my own little room in the mountains than some 12m room shared with absolute strangers. So, I'm out 650 bucks — BUT I HAVE A PLACE! My current landlord charged me 45 euros because I begged for one extra night. He didn't even have anyone moving in my room for another 2 weeks, but oh well.
Back to Waldkirch. Now, this cute little place was in an Altbau tucked between the mountains. It was wonderful. The kitchen was all cute and old, Edeka was a 1 minute walk away, there was a local market that was open every Saturday and Sunday... the people around me were all 60+ and smiled when I attempted to speak German to them. God, I loved it. My landlord also would cook for me when she had free time. I had my own little bathroom and I had a castle view from my window. My room was also nearly 30m²!
Unfortunately, the landlord told me that I had to be out by Feburary. However, I was becoming closer with Steve, the Tinder guy. He had a temporary job in Freiburg and because it was coming to an end and he was going to start Med school in Berlin, things seemed pretty gloomy. But I had this crazy thought. Because my language school was in two locations, Freiburg and Berlin, I could just switch schools and still legally reside in Germany. I could just... live with him. Crazy? Crazy. My parents and friends threw a fit. Anyway, I packed my bags and moved in with him to Frankfurt, where his parents stayed. Best month of my life. I made sure everything was okay at my language school, and we made the switch.
So, now we had to hunt for an apartment in Berlin. And man, let me tell you guys. That's HARD. After a while of searching, we finally landed a place in Moabit. March, April, and May have passed. Unfortunately for us, our lease ends in August. So guess who's moving again! Me! At least now I have someone with me to hold my hand through this stressful process. (If anyone has any long-term flats for rent... help!)
I've fallen too in love with this man because I'm now about to apply for the self employment visa so I can stay in germany until his med school finishes. It's been a crazy ride, but I'm so glad I came to Germany. Maybe I'll make a post about all of the other crazy non-housing related German stories!
submitted by ScarletBurn to germany [link] [comments]