About 10 years ago, I bought a condo as an investment property. Because I had heard the horror stories of people dealing with renters, I decided to offer to rent the two-bedroom, two-bathroom condo to my niece and nephew.
I would love to say that was the end of the story, but if it was, I would not be writing this letter. After about two years in the condo, my niece decided to quit work and go to nursing school. My sister was also not working. During this time the rent, which was always late, was sometimes not paid at all.
As you probably guessed, almost a year and a half later, there has not been any movement due to COVID and other delays. I am at the end of my rope. Asking a family member to move into an apartment — above and beyond a stranger who signs a lease agreement, and pays the first and last month’s rent — will never be a good option. You know that now. Inevitably, the many years of entanglements and emotional ties will become leverage for a favor here and a month’s rent there.
You are responsible for this property and your future, and you were pushed to your limit. It took you 10 years to learn this lesson. Otherwise, you would have done something sooner. Your sister persuaded you to rent this apartment to your niece, and then moved in herself. Your family persuaded you to give your sister a break.
The time has come to put your interests first. It’s your life and your apartment. No one else should have a casting vote in who you choose to rent to, and why. I’m not asking you to cut ties with your sister or your family, but the time has come to cut all ties between your family, and your finances and real estate.
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