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Keep Personal Property Out of Your Real Estate Transaction, Please
Keep Personal Property Out of Your Real Estate Transaction, Please
 
Speak with any mortgage loan originator about the subject of personal property in purchase agreements/offers to purchase and you'll probably hear the same thing from each of them. They'll tell you that lenders don't write thirty year mortgages over personal property with a useful life of maybe three to five years.  Real property and personal property aren't the same and they don't mix.
We see a lot of transactions in our remote part of northwestern Wisconsin (primarily a recreational and second home market) which involve a seller transferring furnishings and other personal property items along with the sale of their home or cottage.  It's convenient for a second home buyer to purchase a home that's furnished and ready for occupancy.  And if the new owner plans to rent the home during summer, the idea of buying "rental ready" is very appealing.  It can be a big hassle (and expense) to furnish an empty second home and to transport beds, dressers, entertainment centers, dining tables & chairs and so forth all the way to your new vacation home on Lake Superior.
In my nearly fifteen years in the real estate business, I've often witnessed buyers ... more

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