Some buyers want to make the house their own right away, says Baehr. They overextend themselves on credit to do so, and assume the improvement will pay for itself by increasing the home's value.

贝尔说，一些买家想要马上拥有自己的房子，他们透支自己的信贷，而且总认为只要房子涨价就可以解决这一问题。

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It happened like this: In 1993, in the case of Baehr v.

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Baehr said his client was extremely disappointed.

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