Q: We’re going to be selling our building, which will involve brokers and interested buyers looking at our apartments. Several tenants think we should give them many days’ notice and consult them when scheduling visits. Do our tenants have the legal right to make these demands?
A: Putting up with rental applicants evaluating a home’s potential or dealing with buyers eyeing the property during a sale are hassles every tenant encounters eventually. But most states give tenants some protections — more than half have laws that specify how much notice a landlord must give before entering a tenant’s apartment. Common periods are two days or 24 hours. Some state laws are less useful, requiring “reasonable notice,” whatever that means. Notice requirements don’t apply to common areas such as the lobby, hallways and recreation areas. In these places, owners are free to bring visitors at any time and without notice.
So the first thing you need to do is to find out what your state law has to say about showing rentals to prospective buyers and tenants. But aside from your legal obligations to give adequate notice, let’s think about how you might accommodate your tenants in other ways, too. Don’t forget that uncooperative residents can have a real effect on how nicely your property shows — you don’t want grumbling residents pointing out deferred maintenance, do you?
Consider asking to meet with a delegation from the tenants’ group to discuss how this transition time can be made easier for them. Think ahead of reasonable requests that won’t seriously affect your ability to market the property, such as being willing to show the property at specified times and days. You might also consider modest rent reductions to compensate tenants for the disruption caused by the sale.
A savvy owner will make these concessions, realizing that cooperation by building residents is essential to marketing efforts and eventual sale — no seller wants to try to navigate a sea of resentful, gloomy residents, and no buyer wants to inherit a building full of angry people.
Q: I have been asked to sign a clause in a residential lease that states that the tenant agrees not to make any claims against the landlord for any loss or damage caused by “any accidents beyond the reasonable control of Landlord.” Is this legal? –Davey R.
A: Your landlord is attempting to avoid lawsuits brought by tenants who have suffered economic losses or injuries on the rental property. These claims often arise. For example, suppose your landlord fails to maintain a set of lobby stairs, and you fall and are injured. You might decide to sue for medical bills, lost earnings, and pain and suffering.
Fear not. In virtually every state, the clause in your lease would not bar such a suit. That’s because the clause shields the landlord only from claims that result from situations beyond his reasonable control. In our example, the monitoring and repair of the lobby stairs are obviously his responsibility, not yours, and not anyone else’s.
It might strike you as odd that landlords think it necessary to tell tenants that they won’t be held responsible for accidents that are beyond their reasonable control. After all, it stands to reason that we would make people responsible only for the mistakes that they could have avoided. But that common-sense conclusion will not stop some tenants from making a claim or suing, who think that any accident on the landlord’s property is the fault of the landlord.
For example, suppose the tenant parks in his assigned parking spot, but during the night a branch from a tree planted on the street breaks off and smashes his car. Thinking that because the damage happened while his car was parked on the rental property, the tenant demands compensation from the landlord or the landlord’s insurance company. In such a situation, unless the tenant can prove that the landlord somehow could have avoided the accident (Did the landlord know of the tree’s frailty and fail to warn tenants? Was the landlord legally obliged to monitor the tree and trim it?), the tenant won’t collect. But in the meantime, the landlord will have spent time and effort defeating the claim.
The clause in your lease is placed there to remind tenants that the landlord’s ability to avoid accidents is limited to those situations in which he has control. But don’t assume that the “control or not” question is always black and white.
In California some years back, a landlord was held liable when a tenant slipped and fell on a broken concrete pathway that led from the rental property to an adjacent street. Even though the landlord did not own the land under the path and could not have repaired it on his own, he was aware that his tenants regularly used it as a shortcut and failed to warn them of the path’s dangerousness. That was enough to make him at least responsible.
In the end, signing off on this clause will not defeat a valid claim brought by a tenant who claims to have been injured or economically damaged by the landlord’s carelessness. If the claim is bogus (suing the landlord for an act of God, for example), it will get tossed out of court. If the question is close, the court will resolve it, regardless of what the lease does or does not say.
Janet Portman is an attorney and managing editor at Nolo. She specializes in landlord/tenant law and is co-author of “Every Landlord’s Legal Guide” and “Every Tenant’s Legal Guide.” She can be reached at janet@inman.com.
Tag Archives: Mount Kisco
How to Protect Yourself Against Bad Landlords | Mount Kisco NY Real Estate
Bad landlords are bad news, and they come in many different types. They can make you hate living in an otherwise perfect apartment. However, it’s not easy to spot a bad landlord before you move in. Here’s how you can take steps to protect yourself, in case you’re stuck with one of the three most common types.
Type 1: The security deposit grabber
This landlord will consider your security deposit his from the get-go and will look for any excuse to keep your money when you move out.
Protection: Conduct a thorough walk-through before moving in.
Protect yourself against future problems before you move in. During the initial walk-through, make sure you document every flaw you find with your new apartment, even if it’s something that can’t be fixed, such as a stain on the countertop. Make sure to take pictures when you find something wrong, so you’ll have documentation. That way, if the landlord blames you for the problem, or tries to keep your security deposit, you have proof that the problem existed when you got there.
A few areas needing special attention:
- In the living, dining and bedroom areas: Are hooks left on the wall from a past tenant’s framed picture? Even if they’ve been painted over, write it down. How about the carpet? If it’s worn out, write it down. Also, ensure all lighting fixtures, outlets and switches are in proper working order. Inspect doorknobs and doors, windows (glass, locks, check that all will open and stay open) and window coverings. Also, remember to look through the peephole; this will often get painted over.
- Kitchen: Test every burner on the stove, plus test the oven. Inspect your refrigerator and freezer for cleanliness and dents and dings. Ensure that all of your cabinets will close, and that all of your drawers glide smoothly. Check countertops and cupboards for chips and stains. Check your dishwasher, sink and faucet. Finally, inspect windows, electrical outlets, etc, as you did in the living room, dining room and bedroom.
- Bathroom: Check the shower for mildew, as well as the grout around the tub. Flush the toilet to make sure it runs properly and make sure it does not leak. Verify that the faucets work and do not drip. Make sure your towel bars are securely affixed to the wall, and that the toilet paper holder is in place. Again, the key here is to verify the basics of the room.
Type 2: The intrusive landlord
This landlord does not respect your privacy or boundaries.
Protection: Establish a cordial distance from the start.
One of the worst kinds of landlords is the one who feels free to stop by at all hours, ostensibly to check something in the apartment or maybe just for a friendly chat. This typically happens when you rent a single unit in a private house or in a small rental building, and your landlord lives on the same premises. The landlord tenant-relationship can get too close, and you lose your privacy. If that happens, it is difficult to re-cast the relationship without hurt feelings, and you may end up having to move.
Type 3: The non-responsive landlord
This landlord is nowhere to be found when the heat stop coming in or shower turns into a trickle.
Protection: Stay calm, firm and document.
Make sure you first approach your landlord (or property manager) in a calm, friendly tone. Explain what you need fixed. When you realize that no one is making an attempt to fix the problem, you know you are stuck with a non-responsive landlord and need to take additional action.
Additional up-front protection: If you live in a large building or apartment complex, try to befriend your maintenance person — a nice tip on the move-in day can really pay off! Usually the maintenance person will be able handle minor fixes, like unclogging toilets, draining air from the radiator or replacing hard-to-reach light bulbs. You may be able to bypass the landlord entirely.
However, for bigger and more expensive problems like a chronic leak in the ceiling when it rains or replacing a window that won’t shut properly, you’ll need to get the landlord or management company to approve and finance the fix. If they are unresponsive, don’t give up. Continue asking for the fix in a firm tone, but also start documenting every instance you contact the landlord (or management company).
If there is still no response, you need to send a formal demand letter (you can find templates online). Explicitly state the problem, the dates and times you have reported it to management, and their ignoring of your request or their denial to fix it. Then send this letter to the landlord’s business address, using certified mail with a return receipt. Unless the problem is serious (lack of heat or water, for example), give the landlord or management company 30 days to fix it. If that doesn’t work, send another letter. This time, give them 15 days. If still no response, repeat. The third time, give them seven days. Use certified mail with a return receipt every time. If nothing has happened, you now have the documentation necessary to take the landlord to court.
Hopefully, you’ll find a nice apartment with a good landlord, and you’ll never have to deal with bad landlords. However, as you move into your apartment, it does not hurt to take steps to be prepared if the landlord turns out to be less than perfect.
Cuomo looking for a few good fellows for next generation of state policy makers | Mount Kisco Real Estate
Home prices fall, but inventory levels improve | Mt Kisco NY Homes
Housing Flipping Dead For 2011 | Mt Kisco Luxury Real Estate
We keep hearing about what’s popular in 2011 for home design — but how about what’s not? Builder Magazine writer Jenny Sullivan asked industry experts to weigh in on design fads that you won’t likely see in the new year. Here are some of the fading home trends experts mentioned:
1. Trophy space: Forget those two-story grand entrances. Builders are seeking more affordable, energy efficient design so they are getting rid of large, volume spaces in homes.
2. Just for show: Fancy, overdone rooms won’t cut it in the era of the practical, cash-strapped buyer. Lavish industrial-grade kitchen ranges or fancy master bath spa tubs– that are hardly even used anyway–will fall to the wayside. “The kitchen is once again becoming a working part of the home and not just a showcase,” architect Don Taylor of DW Taylor Associates in Ellicott City, Md., noted in the article. “It needs to provide all of the latest conveniences and technology, but with practical applications in mind. The faux commercial kitchen look may have reached its summit.”
3. Egocentric houses: It’s not just about the interior of a home that makes a home.
Buyers are caring more about its curb appeal and what’s nearby the home as well. Parks, amenities and neighborhood connections create a sense of community, said John M. Thatch, principal with Dahlin Group Architecture and Planning in Pleasanton, Calif. While most infill homes on the boards are 10-20 percent smaller in size, Thatch notes that buyers are willing to trade extra space for a more appealing neighborhood.
4. Home flipping: Gone is the trend of buying a “starter” home or a home for short-term investment. Buyers are now buying for keeps and it’s changing the way they view homes. “The idea of a home as a short-term money maker is essentially gone, so when people do buy they’ll do it with the intention of staying ten years instead of two or three,” says Jim Chittaro, president of Smykal Homes in Chicago. As such, he says buyers will care more about the design of the home and they won’t want it to feel cheap.
Mt Kisco NY Restaurant Names Soup After Governor Elect Cuomo | Mt Kisco NY Real Estate
A restaurant in Mount Kisco has unveiled a new soup in honor of Gov.-elect Andrew Cuomo, who lives in New Castle (but has a Mount Kisco mailing address). Via Vanti! is now serving “Lago di Cuomo” soup. It is a “puree of warming winter greens served with a crostini topped with goat
cheese, chopped tomato and fresh basil,” the
restaurant Founder Jimmy John said in a news release. The soup is vegan and non-dairy, and a gluten-free crostini is available upon request.
The soup, while named for Cuomo, is also inspired by the Lago di Como resort destination in northern Italy, according to the restaurant. Customers will get a free taste of the “inaugural soup” during January. Lago di Cuomo will be one of Via Vanti!’s seasonal soups, and $1 from every purchase of it will be donated to the Food Bank of Westchester.
The 2-year-old restaurant is located in the historic Mount Kisco Train Station at 2 Kirby Plaza.
Existing Sales Rise 5.6% In November According to NAR | Mt Kisco Real Estate
Existing-home sales got back on an upward path in November, resuming a growth trend since bottoming in July, according to the National Association of REALTORS®.
Existing-home sales, which are completed transactions that include single-family, townhomes, condominiums, and co-ops, rose 5.6 percent to a seasonally adjusted annual rate of 4.68 million in November from 4.43 million in October, but are 27.9 percent below the cyclical peak of 6.49 million in November 2009, which was the initial deadline for the first-time buyer tax credit.
Lawrence Yun, NAR chief economist, is hopeful for 2011. “Continuing gains in home sales are encouraging, and the positive impact of steady job creation will more than trump some negative impact from a modest rise in mortgage interest rates, which remain historically favorable,” he said.
Yun added that home buyers are responding to improved affordability conditions. “The relationship recently between mortgage interest rates, home prices and family income has been the most favorable on record for buying a home since we started measuring in 1970,” he said. “Therefore, the market is recovering, and we should trend up to a healthy, sustainable level in 2011.”
The national median existing-home price for all housing types was $170,600 in November, up 0.4 percent from November 2009. Distressed homes have been a fairly stable market share, accounting for 33 percent of sales in November; they were 34 percent in October and 33 percent in November 2009.
Foreclosures, which accounted for two-thirds of the distressed sales share, sold at a median discount of 15 percent in November, while short sales were discounted 10 percent in comparison with traditional home sales.
Inventory Drops
Total housing inventory at the end of November fell 4.0 percent to 3.71 million existing homes available for sale, which represents a 9.5-month supply at the current sales pace, down from a 10.5-month supply in October.
NAR President Ron Phipps said good buying opportunities will continue. “Traditionally there are far fewer buyers competing for properties at this time of the year, so serious buyers have a lot of opportunities during the winter months,” he said. “Buyers will enjoy favorable affordability conditions into the new year, although mortgage rates are expected to gradually rise as 2011 progresses.”
According to Freddie Mac, the national average commitment rate for a 30-year, conventional, fixed-rate mortgage rose to 4.30 percent in November from a record low 4.23 percent in October; the rate was 4.88 percent in November 2009.
“In the short term, mortgage interest rates should hover just above recent record lows, while home prices have generally stabilized following declines from 2007 through 2009,” Yun said. “Although mortgage interest rates have ticked up in recent weeks, overall conditions remain extremely favorable for buyers who can obtain credit.”
A parallel NAR practitioner survey shows first-time buyers purchased 32 percent of homes in November, the same as in October, but are below a 51 percent share in November 2009 from the surge to beat the initial deadline for the first-time buyer tax credit.
Investors accounted for 19 percent of transactions in November, also unchanged from October, but are up from 12 percent in November 2009; the balance of sales were to repeat buyers. All-cash sales were at 31 percent in November, up from 29 percent in October and 19 percent a year ago. “The elevated level of all-cash transactions continues to reflect tight credit market conditions,” Yun said.
Single-Family Homes Sales Jump
Single-family home sales rose 6.7 percent to a seasonally adjusted annual rate of 4.15 million in November from 3.89 million in October, but are 27.3 percent below a surge to a 5.71 million cyclical peak in November 2009. The median existing single-family home price was $171,300 in November, which is 1.2 percent above a year ago.
Existing condominium and co-op sales declined 1.9 percent to a seasonally adjusted annual rate of 530,000 in November from 540,000 in October, and are 32.2 percent below the 782,000-unit tax credit rush one year ago. The median existing condo price was $165,300 in November, down 5.5 percent from November 2009. “At the current stage of the housing cycle, condos are offering better deals for bargain hunters,” Yun said.
HUD Sets New Rules to Sell HUD Owned Homes in Mt Kisco NY | Mt Kisco Real Estate

Overhaul of U.S. Dept. of Housing and Urban Development (HUD) REO sales program features a superstore website, new management composition, increased bidding advantages for owner occupant purchasers, new real estate commission structure, and new policies and procedures that leave non-Realtor licensees scrambling for access to HUD properties.
HUDHomeStore.com is a one-stop shop for all information and resources pertaining to HUD Homes. The new website replaces a clunky, confusing myriad of government and regional contractor websites that made the search for HUD Homes a laborious, time consuming chore. Yardi, Santa Barbara based property and asset management software developer, built the supersite.
The new website gives real estate agents and consumers access to extensive information about properties, and all contracts, disclosures, and property condition reports can be downloaded at property detail pages. Agents and brokers register at HUDHomeStore.com prior to placing bids on HUD homes, and agents and consumers can sign up to receive automatic e-mail notices when new listings come on the market.
Daily property listings replace weekly announcements.
HUD’s new M&M III Contractor Program is the first overhaul of the agency’s REO sales system since 1999, when the agency outsourced management of its foreclosed FHA inventory as part of Al Gore’s “Reinvent Government” initiative. HUD is rolling out a new asset distribution method to streamline operations, capitalize on expertise of potential vendors, and provide flexibility in a changing environment.
“These new [M&M III] contracts epitomize FHA’s continuing effort to reduce risk, increase net returns, decrease holding times and improve efficiency in the resale of its inventory of foreclosed properties,” said HUD Secretary Shaun Donovan. “It is critically important that FHA successfully and efficiently sell its inventory of these properties and these contractors will help us do that.”
HUD’s current inventory of foreclosed FHA property is approximately 44,000 homes. That is up from the usual average level of 35,000 to 40,000.
The M&M III program replaces a single contractor design, separates marketing and maintenance responsibilities, and establishes a management trio in each market area — Asset Managers, Field Service Managers, and Mortgagee Compliance Managers.
Asset Managers assign HUD properties to Local Listing Brokers and award commissions up to three percent to those listing brokers. A commission based on percentage of sale price replaces a nominal flat fee listing brokers received prior to M&M III. The listing broker commission schedule is designed to incentivize listing brokerages to engage in agent and consumer outreach to spur more HUD Home sales. Selling broker commission caps are reduced from five percent to a maximum of three percent, in an amount corresponding to the Local Listing Broker commission in that market area.
6 Steps for Your Energy Audit in Mount Kisco NY | Mt Kisco NY Real Estate
Mortgage Defaults in Mount Kisco NY | Mount Kisco Real Estate

SOME affluent homeowners have been walking away from a second home or investment property that is worth less than what is owed on the mortgage, even though they can still afford to make the payments.
But dumping that beach condo or country cottage, or even a home bought for an adult child — a practice known in the industry as a “strategic default” — is not the same as discarding a poorly performing stock or bond. Among the lingering effects is wrecked credit that can prevent the homeowner from getting another loan of any kind for 7 to 10 years.
In July, a study by researchers from the European University Institute, Northwestern University and the University of Chicago concluded that the strategic default trend was “large and rising” among homeowners with an equity shortfall of $100,000. As of last March, it said, strategic defaults accounted for 35.6 percent of all foreclosures, compared with 23.6 percent a year earlier.
“I’m increasingly seeing people who are middle class or higher on the pay scale coming to the conclusion that ‘I may be able to carry it, but should I?,’ ” said David Shaev, a bankruptcy lawyer in New York who assists homeowners in distress.
“But the question is, can the bank come after you, and if so, what is your position? What is your liability?”
The answer depends largely on where the property is.
In “recourse” states, a lender can come after you, and usually other assets like a primary residence, for the full mortgage amount. In “nonrecourse” states, a lender agrees to accept whatever the property fetches at a short sale, foreclosure sale, or a deed-in-lieu, in which the property is taken back but not formally foreclosed on, and generally can’t sue for the full loan amount. Florida, Connecticut and Arizona are among the nonrecourse states, while Colorado, Maine, New Jersey and Hawaii are recourse states.
There is a third category of state, called “single-action” or “one-action,” which allows the lender either to foreclose on the owner or file a civil lawsuit for the full loan amount. New York, California and Idaho are in that category.
Even in a nonrecourse state, however, those homeowners who opt for a strategic default on a previously refinanced property may not be protected from lenders, because the mortgage in such a case was not accorded for a first purchase, said Philip Faranda, a mortgage broker for J. Philip Real Estate, in Briarcliff Manor, N.Y.



