Who would be a landlord?

@Moon Unit Possibly there is, but I would imagine it is very expensive and full of conditions. Your tenant can stay in the property for at least 2 years without paying rent while you incur large legal fees trying to get them out, are still responsible for maintenance and repairs and will never see a penny in rent.

Any insurance of that nature will be expensive especially as tenants are increasingly realising that the Protection of Rogue Tenants Board is their friend if they do this.
 
I have a landlord insurance that in theory covers
"Landlord legal costs
We cover legal costs to help recover possession of the property if tenants breach the law regarding payment of rent, or their lease agreement." But, it obviously doesn't cover rent payment, just legal costs so could still be a couple of years without rent.
 
Thanks for replies.

I was asking as a Spanish friend of mine rents her apartment in Spain and says the insurance covers if the rent is unpaid as well as the other stuff you mentioned, and it only cost half the monthly rent for the whole year.
 
Greenbook said:
Any insurance of that nature will be expensive especially as tenants are increasingly realising that the Protection of Rogue Tenants Board is their friend if they do this.
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You can claim back insurance costs when paying tax though?
 
Moon Unit said:
You can claim back insurance costs when paying tax though?
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No you can't claim back the entire cost, it works as follows (made up example).

Rent for the year €1,100
Insurance (€100)
Profit € 1000
Tax @ 50% € 500

It is not a credit, it is a deduction. So here you got rent of €1100 and after tax and insurance you have €500 left.
 
Another horror story involving rent arrears here (behind a paywall).

Solicitor tenant in Temple Bar owes significant arrears. The case is now in Court. Subject to him making payments, the case will be sent back to the RTB Tribunal due to a medical certificate he has produced.

It seems he has been running an AirBnB from the apartment, more on this here. He is also alleging defects in the apartment from a Housing Inspection. These didn't stop the AirBnB activity though.

The landlord is dead and his estate are dealing with all this.

So significant rent arrears despite running an illegal AirBnB from the property, and the landlord's estate is going round in circles chasing him through the courts and now back to the RTB.
 
www.irishtimes.com

Solicitor gets fresh appeal over order to leave his rented Temple Bar apartment

Landlord to be paid €10,000 within seven days towards €20,706 rent arrears
www.irishtimes.com www.irishtimes.com

Dublin District Court

Curran is a solicitor and the tenant. Lease originates in 1998. It's a 500 year old lease. There was a subletting of that lease in 2020. Curran is in arrears of 20K. The landlord is deceased. The Landlords estate (3 sons) are trying to get the tenant to leave. The RTB Tribunal made a ruling in February, Curran didn't realise the Tribual made a judgment because he had been sick and thought the case was put back by the RTB.

In order for Current to get a rehearing with the RTB he must pay 10K of the arrears immediately and 4K per month in addition until there are no arrears.

I would refer to this case as lawfare.

The estate is trying to get enforcement of the RTB Tribunal determination.

Judge was not impressed with Curran. BUT the judge decide he did have 'good and substantial reasons for an adjournment of the RTB tribunal.

Curran has separate Circuit court proceedings about the operation of an AirB&B by him.

Curran is also reported issues under Housing Standards to Dublin Council.
 
I didn't realise the RTB publishes details of upcoming hearings. https://rtb.ie/about/access-to-information/tribunal-hearings-schedule/

Despite searching on the RTB website I cannot find the Determination Order. It's like it never existed.

1779091882604.webp


Solicitor Terry Gorry could not get a Determination Order correct because the RTB said they did not have the legal power to fix an address, but the RTB is able to delete an entire record in the Curran case. Very odd.
 
patfert1 said:
The RTB ruled against him in January 2025! But he's still there.
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And by the sounds of it, he will still be there for quite some time longer.

It is also crystal clear:

1. He owes significant rent arrears

2. The evidence that he was running an AirBnB looks very strong.

This is one of the issues, a well informed tenant, and he is as he is a solicitor, can effectively squatt for a number of years by dragging the landlord around the houses via Courts and RTB tribunals, both of whom seem to be only too willing to help him do this.

It is the executors of the landlords estate who are left with this mess.
 
Bronte said:
wonder if he's declaring the AirB&B income to revenue !!
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He better be, otherwise on top of a possible finding that he was illegally running an AirBnb, he would be sailing a bit close to the wind in terms of his career as a solicitor!
 
Greenbook said:
This is one of the issues, a well informed tenant, and he is as he is a solicitor, can effectively squatt for a number of years by dragging the landlord around the houses via Courts and RTB tribunals, both of whom seem to be only too willing to help him do this.
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On the plus side, he is probably not judgement proof. He probably won't be able to disappear with a rent arrears determination against him.

It looks like part of the ruling was that he has to actually start repaying rent.
 
LarryScott said:
It looks like part of the ruling was that he has to actually start repaying rent.
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But if he doesn't, presumably the slow process to get him out continues.

He is also claiming that the apartment is defective (that didn't stop him from running an AirBnB though), presumably the purpose of that is to get the rent reduced and/or get compensation that he can offset against the arrears.
LarryScott said:
On the plus side, he is probably not judgement proof. He probably won't be able to disappear with a rent arrears determination against him.
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He probably isn't as he must have some decent earnings as a solicitor and would have a profile, so he would be traceable unlike most tenants.

But he could be paying back €100 a week forever and it will take the executors a long time to get to that stage.
 
I think he is dragging it out as long as possible because it means he continues to rake in airbnb money. Probably not the only one he is doing this with either.
 
JamieB_ said:
I think he is dragging it out as long as possible because it means he continues to rake in airbnb money. Probably not the only one he is doing this with either.
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I think you are right.

He has medical issues now as well. That will drag things out further.
 
The Horseman said:
He has assets which is the main point. Get a judgement in court then go straight to register a judgement mortgage.
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The judgement will just be the rent he owes meanwhile he takes in airbnb money for all the time he drags it out. He doesnt lose anything at all.
 
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