Fred Griffin Tallahassee Real Estate, Licensed Florida Real Estate Broker (Fred Griffin Real Estate)

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Rainer
266,481
Caroline Gerardo
Pinnacle Home Loans - Newport Beach, CA
C. G. Barbeau the Loan Lady nmls 324982

I'm going to guess there are other flaws that make this a no go for VA loan- any sign of peeling paint, pooling water is going to call for the remedy. Don't accept a VA offer. Is the drain visible that an appraiser/ AND the inspector might not see it? If it is a big white drain above ground then you have a problem with FHA. There isn't anything terrible about greywater in the garden; but if someone writes it up or you put it in the MLS it's going to get called as requiring repair. Take the washer out. Remove the line. Sell the house without a washing machine.

Feb 22, 2020 11:43 AM
Rainmaker
1,075,389
Sam Shueh
(408) 425-1601 - San Jose, CA
mba, cdpe, reopro, pe

There are many drains that use to waste to water the plants. In fact, City of Berkeley, CA issues permits on it.  I imagine if you have city documentation it is proper it should be OK.

Feb 22, 2020 07:58 AM
Rainmaker
3,152,857
Scott Godzyk
Godzyk Real Estate Services - Manchester, NH
One of the Manchester NH's area Leading Agents

The reality is an appraiser may never know unless it is disclosed or known. You have to by law disclose to buyer, if buyer accepts it, then do you have to disclose to appraiser? There are many rural NH homes that have a set up just like that

Feb 22, 2020 03:21 PM
Rainmaker
2,544,226
Richie Alan Naggar
people first...then business Ran Right Realty - Riverside, CA
agent & author

If one is allowed to explain it satisfactorily it may have a chance to fly but you are up against government regulations which like banking rules are non-negotiable and who wants to be the one that waives that?  Liability awaits!

Feb 22, 2020 02:58 PM
Rainmaker
493,771
Greg Cremia
Shore Realty of the Outer Banks - Nags Head, NC

If the appraiser can't see it then it won't matter as long as the buyer is ok with it. A trip through a septic tank doesn't do anything sandy soil won't do.

Feb 22, 2020 12:45 PM
Rainmaker
778,291
Jeff Pearl
RE/MAX Distinctive / LIC in VA - Lovettsville, VA
Full Service Full Time Realtor

Not sure, but I'd be worried about the drain field if it can't handle the water from the washing machine. If I was seller, i'd run the drain into the septic tank.

Feb 22, 2020 11:31 AM
Rainmaker
1,599,721
Lyn Sims
RE/MAX Suburban - Schaumburg, IL
Schaumburg Real Estate

I'm going to hope they don't notice it. There is something about that water (now called grey water) that does say it needs to be treated. I'm not sure that is grandfathered.  If it doesn't go in the septic tank then where?

Feb 22, 2020 10:15 AM
Ambassador
3,155,318
Chris Ann Cleland
Long and Foster REALTORS®, Gainesville, VA - Bristow, VA
Associate Broker, Bristow, VA

It's a matter of whether or not the appraiser notices.

Case in point, I had a listing with a pool in awful condition a couple years ago and we were worried about the FHA loan being okay with it.  Talked to a lender and he said to make sure the cover didn't look like crap and the appraiser would likely WANT to skip looking into it.  Sure enough, the appraiser saw the pool and turned their back to it immediately and walked around purposely not noticing.  

Feb 22, 2020 10:04 AM
Rainmaker
5,321,751
Barbara Todaro
RE/MAX Executive Realty - Franklin, MA
Marketing Agent for The Todaro Team

that's a greywater system..... it saves the main private sewerage system....extends its life.... 

Feb 22, 2020 09:44 AM
Rainer
83,210
Jerrill Ewing
N & J Lake Properties, LLC - Eatonton, GA
Builder

If the appraiser notes it, it will have to be changed.  But grey water doesn't hurt anything in reality.

Feb 22, 2020 09:11 AM
Rainmaker
450,502
Lynnea Miller
Bend Premier Real Estate - Bend, OR
Premier Real Estate Service in Central Oregon

I doubt the FHA/VA would allow this.  We had a REO home we represented in which we discovered the sewage drain for the home went into a similar hole in the ground - under the driveway!  Fannie Mae had to tear up the driveway, clean up decades of sewage mess, and install a sand filter in order to make the property sellable.  Total cost over $70,000 for the entire cleanup and new septic.  The property sold, I believe, during the recession after cleanup for $130,000.  

Feb 22, 2020 09:03 AM
Rainmaker
987,808
Thomas J. Nelson, Realtor e-Pro, CRS, RCS-D, Vets
Big Block Realty 858.232.8722 - La Jolla, CA
& Host of Postcards From Success Podcast

Ask Jason E. Gordon he's my VA loan expert. That seems like any appraiser may take issue, as I used do exactly that in one of my homes only to water my large garden and I was made to remedy it when I sold. But, I can't remember if that was appraisal or just buyer negotiating. (17 years ago).

Feb 22, 2020 09:03 AM
Ambassador
4,640,461
Bob Crane
Woodland Management Service / Woodland Real Estate, Keller Williams Fox Cities - Stevens Point, WI
Forestland Experts! 715-204-9671

A system in compliance with nature, but not with the govt.  Unfortunate the amount of situations that we see like this.

Feb 22, 2020 08:16 AM
Rainmaker
2,867,654
Kathleen Daniels
KD Realty - 408.972.1822 - San Jose, CA
San Jose Homes for Sale-Probate & Trust Specialist

Parked and Reading.  

I have no clue. 

I'd like to believe that no lender would allow the property to transfer without "proper" draining. 

Let us know what happens, Fred Griffin Tallahassee Real Estate 

Feb 22, 2020 07:40 AM
Ambassador
1,713,882
Alan May
Jameson Sotheby's International Realty - Evanston, IL
Helping you find your way home.

I don't really know. 

In my experience, it would be unlikely that the FHA inspection would identify that issue, unless someone pointed it out to him.

Feb 22, 2020 06:55 AM
Rainmaker
760,829
John Juarez
The Medford Real Estate Team - Fremont, CA
ePRO, SRES, GRI, PMN

Not a problem that I have ever encountered. Very interesting. Love the input from AR folks.

Feb 22, 2020 08:21 PM
Rainmaker
1,724,462
Bob "RealMan" Timm
Ward County Notary Services - Minot, ND
Owner of Ward Co. Notary Services, retired Realtor

That "flies" in Minot ND Fred Griffin Tallahassee Real Estate . I remember the 1st time I saw a French drain and wondered "what the heck".

Feb 22, 2020 06:26 PM
Rainmaker
577,822
Tony Lewis
RE/MAX of Valencia (Hall of Fame) 30 year Valencia Resident - Valencia, CA
Summit Real Estate Santa Clarita & OC Laguna Nigel

FHA & VA don't believe in "fathered in"

Feb 22, 2020 05:31 PM
Rainmaker
768,002
Olga Simoncelli
Veritas Prime, LLC dba Veritas Prime Real Estate - New Fairfield, CT
CONSULTANT, Real Estate Services & Risk Management

I once had a cesspool situation, which normally would not be finance-able by any bank... unless it was "normal" for the area. The home was an older lake cottage, where cesspools were the norm when homes were built there, so I did find a bank that was willing to lend. If your outdoor drain is common in the area, that might save you, but doesn't sound like it.

Feb 22, 2020 01:21 PM
Rainmaker
4,808,405
Ron and Alexandra Seigel
Napa Consultants - Carpinteria, CA
Luxury Real Estate Branding, Marketing & Strategy

Fred,

I learned a lot from reading the comments here.  Hope this gets resolved for you in the best way.  A

Feb 22, 2020 01:00 PM
Rainmaker
5,759,574
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

The building code in our city would not allow that.

Feb 22, 2020 11:08 AM
Rainmaker
569,184
Eve Alexander
Buyers Broker of Florida - Orlando, FL
Exclusively Representing ONLY Orlando Home Buyers

Depends...on the inspector.

Regardless if the lender picks up on it, I would request the seller to remedy.

 

Eve

Feb 22, 2020 09:11 AM
Rainmaker
179,968
James (Jim) Lawson, DBA
DomainRealty.com LLC - Bonita Springs, FL
Broker Associate, RSPS, BPOR, HI & PE

I've seen greywater discharge handled several different ways Fred. The most memorable one I recall was a PVC pipe sticking through the curb in an old neighborhood that the owner said was for draining the washing machine. Never gave me a satisfactory answer about how it worked in winter. However, I did see it in action in warmer weather, suds and all. 

Caroline Gerardo's solution seems most pragmatic providing proper disclosure is followed.  

Mar 01, 2020 10:44 PM
Rainmaker
266,085
Joseph Domino 480-390-6011
HomeSmart - Scottsdale, AZ
Real Estate Made Easy

Remove the washer/dryer. You are not required to have a washer dryer.

Feb 23, 2020 08:05 AM
Ambassador
3,673,732
Debe Maxwell, CRS
www.iCharlotteHomes.com | The Maxwell House Group | RE/MAX Executive | (704) 491-3310 - Charlotte, NC
The right Charlotte REALTOR!

My guess is that it should be fine if it was grandfathered. 

I would also think that an overzealous FHA/VA appraiser could red flag it and cause issues but, ultimately if the government grandfathered it, they cannot make them bring it up to code.

Feb 22, 2020 09:55 PM