Home Buyin/Maintenance Thread - Where most of us are 30ish but act 47. Oh, and fuck home inspectors

Discussion in 'The Mainboard' started by Swim Cantore, May 4, 2015.

  1. ramszoolander

    ramszoolander Guess what? Vulcan butt!
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    I like the cedar... because that's what I used! Nice reddish tint on pine, too.
     
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  2. ~ taylor ~

    ~ taylor ~ Well-Known Member
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    Haha. I don't even know where Melvindale is.
     
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  3. CraigAnne Conway

    CraigAnne Conway Putting that ball into the basketball ring
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    You shouldn't. Trust me.
     
  4. kinghill

    kinghill Cool American Flavour
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    Any effective solutions for keeping flies away at outdoor pool/BBQ party?
     
  5. Louis Holth

    Louis Holth but we also just might be those motherfuckers
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    I bought those premade fly killing bags from Home Depot last weekend. Just filled them with water and hung them to a tree nearby. Didn't notice any flies, and my Mexican yard guy ended up removing the bag so I'm not sure how many perished.
     
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  6. Frank Martin

    Frank Martin tough love makes better posters
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    I think it looks cool with all the different colors together.
     
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  7. Volholic16

    Volholic16 Well-Known Member
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    Met the electrician over at the house this morning. He's putting in 5-6 can lights in the kitchen and reworking a couple of other things for $829 all-in. I didn't even have anyone else quote it cause I don't think I'm doing much better. He came with about 3 recommendations for his work and cost.

    The guy is also coming to start scraping the remaining popcorn ceiling this afternoon.
     
  8. ~ taylor ~

    ~ taylor ~ Well-Known Member
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    I'm going to need an amazing ladder if we close on this house. The telescoping ladders seem pretty cool.
     
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  9. Rabid

    Rabid Fan of: DQ Treats
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    Our floors were supposed to be stained yesterday afternoon but they couldn't fit that in. Consequently, substantial completion from the contractor has been pushed back to Thursday but we won't be able to go down there until Friday after the final stain has dried.

    We also had a snafu from the design consultant that the contractor set us up with. Our fuse box is in the middle of a wall so we are supposed to have a decorative cover (sort of like in the spoiler). She didn't put near as much priority on it as I did so it didn't get ordered until today with an estimated lead time of up to 4 weeks. Apparently we're going to have a hole in the wall for a while. I'm pretty annoyed because our shuffleboard table is ready for delivery but we will probably wait on this because the table will sit in front of the fuse box.

    [​IMG]
     
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  10. kinghill

    kinghill Cool American Flavour
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    Lou Holth :/ ) likes this.
  11. bigred77

    bigred77 Well-Known Member
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  12. kentucky_dawg

    kentucky_dawg Fan of: Georgia
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    Like the telescoping ladders too, only downside is you obviously have to lean it against something to reach what you need. Really wish they made one that could stand on its own and was that compact.
     
  13. Clemson327

    Clemson327 Well-Known Member
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    https://www.littlegiantladder.com

    My dad has two of the shorter ones like this, and they're fantastic. You can also put a walkboard between them and use it like scaffolding.
     
    #4663 Clemson327, May 24, 2016
    Last edited: May 24, 2016
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  14. kentucky_dawg

    kentucky_dawg Fan of: Georgia
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    That's exactly what I was looking for. Thank you.
     
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  15. Louis Holth

    Louis Holth but we also just might be those motherfuckers
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  16. CraigAnne Conway

    CraigAnne Conway Putting that ball into the basketball ring
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    Bought this, and it has done everything for me.
    http://www.homedepot.com/p/Werner-2...-Capacity-Type-IA-Duty-Rating-MT-22/100658955

    Step-ladder that can extend to 9 feet, which was great for painting vaulted ceiling rooms. You can make one leg shorter so you can use it on steps, which was also great for painting the walls in the stair case. Then I can extend it out to a 22 ft extension ladder to get me on my roof.

    It's basically the same as those Little Giant ladders, except they don't have the wheels, and they are a whole lot cheaper. Werner is about as good of a brand as you'll find too.
     
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  17. ~ taylor ~

    ~ taylor ~ Well-Known Member
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    Exactly what I'm looking for. :beerchug:
     
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  18. MoJo

    MoJo It bees that way sometimes...
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    We are 2 months into living in our new house and I have a massive amount of yard work to do, primarily thinning out the trees around the property. It's been a real pain because a lot of them are around power lines and I'm not very experienced, so it's slow going.
    Turns out the previous owner was a landscaper :facepalm:
     
  19. Lyrtch

    Lyrtch My second favorite meat is hamburger
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    live in a rental but the homeowner spent like 6k landscaping and spent a huge chunk of her time working in the yard

    it's a nightmare to keep ahead of, especially as shit grows absurdly fast, like no weed to 4 foot weed/wild plant in a week
     
  20. MoJo

    MoJo It bees that way sometimes...
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    Yikes.... do you live in a rain forest?
    The worst part for me is climbing a ladder with a 6-8 ft pole saw to cut off limbs so I don't tangle them in power lines, it's so unbalanced and unnerving... the power company will take down the lines for the bigger trees, so at least that part is over
     
  21. g8r

    g8r Well-Known Member
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    Need prayers. About to build a house
     
  22. je ne suis pas ici

    je ne suis pas ici Well-Known Member
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    call the power company, say shit is rotting/close to lines and normally they'll come and chop the shit outta everything

    free, of course
     
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  23. MoJo

    MoJo It bees that way sometimes...
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    Not Alabama Power, they'll trim trees from poll to poll but not to your house... budget cuts
     
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  24. je ne suis pas ici

    je ne suis pas ici Well-Known Member
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    ah, yeah i called APCO when i moved in. they did exactly what you said.

    R.I.P mojo
     
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  25. g8r

    g8r Well-Known Member
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    How do I post a pic?
     
  26. Baron

    Baron Well-Known Member
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    Upload file, next to post reply.
     
  27. g8r

    g8r Well-Known Member
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    I thoungan I needed a url?
     
  28. fish

    fish Impossible, Germany
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    In this day and age, really? Might as well just paste your Polaroid to your monitor. We'll get the gist.
     
  29. Don't Hate Me Bro!

    Don't Hate Me Bro! Wigglin my toes on a mink rug...
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    You can upload it to imgur and then paste the link between '[​IMG]' tags or just paste it into the pop up when you click mountains and sun picture box up top, in between the film reel and smiley face.
     
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  30. Louis Holth

    Louis Holth but we also just might be those motherfuckers
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    Got that same ladder.
     
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  31. Big Meech

    Big Meech I like turtles
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    Y'all probably already know this but let me repeat: never buy one of those small ice machines for a bar. We had a bar installed five years ago and bought a Marvel ice machine. Was great when it worked. Had the refrigeration guy out again (fourth time) this weekend. He said it's finished. He also confirmed that the bar-size ice machines are POS and never worth it.

    Just sayin'
     
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  32. Juan

    Juan All you got for me is Lite Beer...
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    Update on the flip project, We have run into an issue with the seller but we are trying to work it out. The seller's agent failed to disclose the home is currently in pre-foreclosure status. Pretty pissed they didn't disclose it but I am not going to dwell on it as that isn't going to get the deal closed. The bank's attorneys are working on what the payoffs are and then we will enter our due-diligence period at that time. We are under contract but we have a stipulation in our contract that states we do not enter our due-diligence period until the seller finalizes and releases the payoff. Luckily in GA you can stay under contract in pre-foreclosure status. Not sure how all of that works but I am about to get a lesson in it. Either way it is going to be some more time, we have an estimated close date of late June early July now. What I am worried about is some bank "superstar" trying to renegotiate the price with us. I have heard of this happening.

    I will post the rehab estimate when the GC emails it to me.

    Also we met the seller the dude is a character to say the least. Check out the magnets on his fridge. Keep in my mind this is a single white 50 year old guy that looks a character from Alice and Wonderland.

    [​IMG]
    [​IMG]
    [​IMG]
     
    #4682 Juan, May 25, 2016
    Last edited: May 25, 2016
  33. h.e.pennypacker

    h.e.pennypacker Industrialist Philanthropist Bicyclist
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  34. Bo Pelinis

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    What
     
  35. h.e.pennypacker

    h.e.pennypacker Industrialist Philanthropist Bicyclist
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    Hot Steamy Bitch Bra
     
  36. Juan

    Juan All you got for me is Lite Beer...
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    Two-Headed Stoner Discovers Freak Dope and Jail Hers Priest for Michael Jackson had me laughing as well.
     
  37. Don't Hate Me Bro!

    Don't Hate Me Bro! Wigglin my toes on a mink rug...
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    So I'm going to attempt inserting this into every TMB thread I post in now. Who's with me?
     
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  38. ~ taylor ~

    ~ taylor ~ Well-Known Member
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    Another roofer said a year and quoted me at $13K - asked for that, the jacuzzi and the trim. They've come back at fixing the jacuzzi and dropping the purchase price by $5K, which pays for the trim and 30% of the roof. I'm good with that, so we're hopefully now waiting for the appraisal.
     
  39. The Blackfish

    The Blackfish The Fish in Black
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    E.T. Don't Blow Head
     
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  40. g8r

    g8r Well-Known Member
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    image.png House plans. Pulling permit this week and starting foundation in 3 weeks. Gonna need all hurricanes to stay away this summer. [​IMG]
     
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  41. lechnerd

    lechnerd They say Monaco is a sunny place for shady people
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    Apologies for the delay, work never seems to let up.

    [​IMG]
    [​IMG]
    [​IMG]

    FYI also the plan is to acid stain the concrete in that last pic, preferably a dark color.

    I think right now I'm leaning mahogany deck and natural cedar fence. I think you guys are right the dark redwood hides the deck, especially with a darker exterior house.

    Now I just need some dry weather. Its rained nearly a month straight and the 10 day forecast doesn't have a single projected dry day.
     
  42. CraigAnne Conway

    CraigAnne Conway Putting that ball into the basketball ring
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    I like darker, but the redwood is too dark, So I agree with Mahogany. I think that would be a pretty solid accent with your brick color.
     
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  43. je ne suis pas ici

    je ne suis pas ici Well-Known Member
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    First-time buyers and low- to moderate-income buyers have largely been sidelined by today's housing recovery.

    The common cry is too-tight credit. Lenders have kept the credit box restrictive because they are gun-shy from the billions of dollars in buy backs and judicial settlements stemming from the mortgage crisis that they still face today. Now, the nation's largest lender, Wells Fargo, says it is opening that box with a new low down payment loan — a loan it claims is low-risk to the bank.

    "We are fully underwriting the borrowers, we are partnering with Fannie Mae to originate and sell these loans, we are insuring the borrowers have an ability to repay and that they're qualified for home ownership, but we're simplifying things for the homebuyer," said Brad Blackwell, executive vice president and portfolio business manager at Wells Fargo.

    Branded "yourFirstMortgage," Wells Fargo's new product has a minimum down payment of 3 percent for a fixed-rate conventional mortgage of up to $417,000. Down payment help can come from gifts and community-assistance programs. Customers are not required to complete a homebuyer education course, but if they do, they may earn a 1/8 percent interest rate reduction. The minimum FICO score for these loans, which are underwritten according to Fannie Mae standards, is 620. Mortgage insurance can either be rolled in to the cost of the loan or purchased separately by the borrower.

    Blackwell said either way, the monthly payment is less than a government-insured FHA loan. More importantly, it's simpler than other 3 percent down payment products already in the market, some of which have specific income and counseling requirements.

    "We've taken all the complexity of the home mortgage lending process, removed it from the front-line consumer, so that it's easy for them to understand and Wells Fargo is taking care of all the capital markets and other types of complexities behind the scenes," added Blackwell.

    Other 3 percent down payment products from Bank of America with Freddie Mac or Fannie Mae's HomeReady program have not been popular because lenders find them bureaucratic and hard to use.

    --
    lol. guess 2007-2008 never happened. fucking idiots
     
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  44. Druce

    Druce Fuck football.
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    That's been around for at least 6 months with Home Possible and Home Ready. Funny that Wells is pimping it as new. Also, this isn't close to what made loans fail pre-09.
     
  45. je ne suis pas ici

    je ne suis pas ici Well-Known Member
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    yeah, i know its not floating rate, but still. 620 credit rating?
     
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  46. Druce

    Druce Fuck football.
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    What caused a lot of the pre-09 shit was stated income stated assets, meaning you walk in and say "i make 10k a month" and they call just to verify you're employed and boom, you're approved with 10k a month income. There also aren't any arms that can adjust every month and fuck someone repeatedly, negative ammortization loans, 4-500 credit score loans, etc. 620 isn't a great credit score by any means, but someone can get screwed by a collection they didn't know about, or medical shit and drop them down to 620. As long as the income and corresponding debts, as well as the collateral value are in line, those loan really aren't that high risk for banks. There is a ton of shit that goes into a mortgage approval now days that was non-existant 8 years ago.
     
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  47. Doug

    Doug Skeptical Doug-o
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    My house was officially listed yesterday. This will be my first time going through this process, my first house I had a buyer lined up and it was very smooth. Will be a little different having showings, hoping for offers, making counters, and all that.
     
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  48. ~ taylor ~

    ~ taylor ~ Well-Known Member
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    We're all signed up. I'll own this money pit in 3-4 weeks.
     
  49. a.tramp

    a.tramp Insubordinate and churlish
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    My buddy and realtor stopped by and begged me to put my house on the market. 2.5 years after I bought it, he wants to list it at 243% of my original purchase price and has pretty much guarenteed it will sell for 234% of my original purchase price.

    After you figure in that I have spent about 8% of his targeted sell price on improvements since purchasing it is pretty attractive. But alas, we would be buying in the same market and haven't quite convinced my wife yet that it is time to move to the country on some acreage and commute.
     
  50. Baron

    Baron Well-Known Member
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    i need to get out of my fha, sucks. fuck pmi.
     
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