Timons Cabansi

"When you win, I've done my job." — Timons Cabansi

[Timons Cabansi @TimonsCabansi]

The handshake is the part people post.

The deal was decided weeks before: on time to the viewing, lot area checked against the survey, papers asked for before price.

Boring. That's the point.

[Timons Cabansi @TimonsCabansi]

Flat 810 sqm compound in Bakakeng Central, Baguio. 3 titled lots, fenced, 2 drive-through gates. House ± 210 sqm, 4BR, 4T&B, 6 parking.

Php 19,999,999 net. Cash or financing for approval.

Details + credentials: https://t.co/M7xyxgCzRR

[Timons Cabansi @TimonsCabansi]

Cheaper per sqm usually means farther from where tenants need to be.

Every month it sits empty, you still pay the amilyar on a unit earning nothing.

Ask who would live there before you ask the price. DM me the area, I'll tell you what's within walking distance.

[Timons Cabansi @TimonsCabansi]

You can repaint a unit. You can't move it closer to a school.

Start where people already need to be every morning. Then find the property. Price comes after.

[Timons Cabansi @TimonsCabansi]

Before you fall in love with a unit, ask for:

The title (CCT for condos) The DHSUD License to Sell, if pre-selling The developer's finished projects, not renders

Emotions don't verify documents.

Looking at a specific project? DM me the name.

[Timons Cabansi @TimonsCabansi]

First-time buyers, honest answer only.

What's your first step toward owning a home?

Most people pick the one that feels safest. I'll post the one I'd actually start with tomorrow.

[Timons Cabansi @TimonsCabansi]

Before I promote a property, I read the papers first.

Better you hear about a problem from me now than from a buyer walking out at the signing table.

[Timons Cabansi @TimonsCabansi]

Most houses that sit unsold aren't overpriced. They're under-documented.

No lot area, no title status in the post... serious buyers just scroll past.

Selling in Baguio, Benguet or La Union? DM me the barangay and lot area.

[Timons Cabansi @TimonsCabansi]

Insurance covers the house. It never covers the land or the title. Encroachment and a bad title are due diligence problems, no premium fixes them. Send me your coverage page, I'll tell you what's missing.

[Timons Cabansi @TimonsCabansi]

Your fire insurance probably isn't flood insurance. In a lot of policies, flood, typhoon and earthquake are add-ons you have to ask for by name. Most owners find out when the claim gets denied.

[Timons Cabansi @TimonsCabansi]

Insured your house for what it cost to build years ago? Rebuilding today costs more. Insure it short, and the payout comes up short too. Check the sum insured before typhoon season, not after.

[Timons Cabansi @TimonsCabansi]

Your next level needs a new mindset.

A bigger season doesn't fix old habits... it exposes them, in front of bigger money.

Name the habit. Drop it.

#ExpectBetter #TimonsCabansi

[Timons Cabansi @TimonsCabansi]

A lot 1.5km off the highway looks close on a map.

Walk it once before you pay for it. Then decide if you can do that walk every day.

[Timons Cabansi @TimonsCabansi]

Listing photos are taken on the property's best day. You'll live in it on the worst ones.

Visit in person. Check the unit, the neighborhood, and the road going in after it rains.

[Timons Cabansi @TimonsCabansi]

The agent's promise at the viewing doesn't bind anybody. The contract does.

If it isn't on the paper, it didn't happen. Read it before the pen moves.

[Timons Cabansi @TimonsCabansi]

Paid 18 months on a residential lot, then stopped? Under the Maceda Law (RA 6552), that gets you a 60-day grace period. No refund.

Reach 2 years of installments and a cancelled contract owes you at least 50% back.

Know which side of that line you're on before you sign.

[Timons Cabansi @TimonsCabansi]

Before you sign, find three clauses: missed payments, turnover date, penalties.

If the developer's late turnover costs them nothing, but your late payment costs you interest, you just read the whole deal in one page.

[Timons Cabansi @TimonsCabansi]

Keep every renovation receipt. A repair you can prove beats a repair you can only describe.

And anything structural... check with the Building Official before you hire, not after.

[Timons Cabansi @TimonsCabansi]

Fresh paint over a damp wall doesn't fool a buyer with a flashlight.

Repair first. Repaint second. Refresh last.

That order is the whole tip.

[Timons Cabansi @TimonsCabansi]

A buyer won't pay extra for your taste. They'll change it anyway.

What they pay for: no leaks, no rewiring, no rust showing up in their first rainy season.