San Francisco TIC

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Cpu and I used to own a 1/6th undivided interest in a San Francisco tenancy-in-common (TIC). It was our first experience in owning a home. We had a home owners' association which took care of many aspects of managing the building.

In a Condo or TIC arrangement, the group of owners form an HOA to
  1. Collect money for
    • Billing common utilities
    • Making improvements and repairs to common areas
  2. Have a forum for addressing neighborly grievances
We had many good co-owners, and also the upstairs neighbor from hell. We participated actively in our HOA, to the tune of:
  • Making simple repairs and improvements
  • Doing the finance books, paying common bills, billing and re-imbursing co-owners for expenses.
  • Getting quotes from repair men, inspectors, pest control, and other workmen.
It turns out to be a pretty effective arrangement when there are 6 or fewer owners, AFAIK. I would prefer to co-own with 1-3 parties in the future; consensus is difficult to achieve with 5 other parties.

 We put in improvements in our own unit and in the common areas:
  • tile floor in the kitchen/living room.
  • hardwood floor in the hall, office nook, and bedroom (self-prep, contracted).
  • wood-framed sliding glass doors (contracted).
  • A combo exhaust fan and heater in the bathroom (contracted).
  • Insulation on the water heaters.
  • A basement work sink next to the laundry (contracted).
  • Self-closing hinges and keyed-alike-locks on the basement doors.
  • Windowed front doors for each unit (contracted).
  • Earthquake-proofing the basement (contracted).

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