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. Jorts

    Jorts "Ask about my Mortgage Services"
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    For some perspective: We moved to the historic district in Jax, which is extremely safe & generally just subject to petty crimes of convenience. She parks in the street in front of our home & since we moved last August, she's "had her car broken into " 3 times... simply because she left it unlocked
     
  2. Barves2125

    Barves2125 "Ready to drive the Ferarri" - Reuben Foster
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    They'll probably work off an estimated appraised value pending the completion of all planned renovations. Depending the lender and loan type they might even do an appraisal on the front end to give you a current market value and then do a second when all renovations are complete. But the price of the house when you bought it won't be much of a factor at all.
     
  3. Jorts

    Jorts "Ask about my Mortgage Services"
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    LSU90 It will generally be maxed at 80% of the new appraised value. Your best bet is to reach out to a local credit union and/or who you primary bank with for the HELOC.
     
  4. Bo Pelinis

    Bo Pelinis WE GO HARD ON EARTH
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    I fucking hate underground sprinklers fr
     
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  5. NoNatty

    NoNatty Keyboard Cowboy
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    I’m currently watering 12k sf of grass by hand. You should be grateful.
     
  6. Bo Pelinis

    Bo Pelinis WE GO HARD ON EARTH
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    I'm spot watering more than that because every single spring I have shitty sticky heads or heads that break or some other dumb shit. I love the idea of underground sprinklers but they're so finnicky in my experience.
     
  7. bigred77

    bigred77 Well-Known Member
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    It's been raining here so much I think my rachio just gave up on notifications for rain skips
     
  8. Bo Pelinis

    Bo Pelinis WE GO HARD ON EARTH
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    The upper Midwest is Texas right now. It's been in the mid to upper 90s and dry for the last week all the way up to goddamn Fargo.
     
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  9. Funshot Residue

    Funshot Residue This is my avatar, Asshat
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    Send some our way. We're dry af. I will NOT water grass, plus I live in the sticks so nobody to impress, but all the plantings and vegetables take an hour or more to water. So that's a fun end to the 90 degree days when I've already been out in it all day. /dear diary
     
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  10. bigred77

    bigred77 Well-Known Member
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    If I could send this shit away I would
     
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  11. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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  12. Lyrtch

    Lyrtch My second favorite meat is hamburger
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    we've set temp records for multiple days in a row in minneapolis, 95-100 each day

    its not just that we've hit these temps, it's that we're going to maintain it for ~10 days

    its insane
     
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  13. Bo Pelinis

    Bo Pelinis WE GO HARD ON EARTH
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    So much for global warming!
     
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  14. ned's head

    ned's head Well-Known Member
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    May have some good news on the drainage front. Old owners spent $5k on a sump pump and underground pvc. I'm going to live life believing that the pump just needs replacing or the lines cleaned until my appointment on Monday because I can't go on thinking this is the improved state
     
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  15. a.tramp

    a.tramp Insubordinate and churlish
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    I have a nice slab of countertop I am willing to sell to you cheap cheap if that will somehow be useful to your yard drainage situation.
     
  16. blind dog

    blind dog wps
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    I just assumed our new house would have same options everywhere else in the town I lived has. I was wrong and have been on Windstream DSL for 2 years now. It's so awful

    Hopefully will have fiber by end of year
     
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  17. Willpépé

    Willpépé Miles of D.
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    Does anyone have any rain barrel recommendations? Interested in getting two and ideally I’d like to be able to water off of them.
     
  18. bigred77

    bigred77 Well-Known Member
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    I made some with some $10 barrels I got off Craigslist and a few dollars in parts from home depot

    Something like this

    "How to Create a Rain Barrel | how-tos | DIY" https://www.diynetwork.com/how-to/outdoors/structures/how-to-create-a-rain-barrel
     
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  19. Barves2125

    Barves2125 "Ready to drive the Ferarri" - Reuben Foster
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    Windstream is garbage. It has improved around here in the past few years but still absolutely sucks.

    Related, I'm currently looking into internet options for another rural property and coming across positive reviews for Viasat. You or anyone else ever heard of or used them?
     
  20. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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    update: my isp is Cox
     
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  21. Bruce Bowen

    Bruce Bowen Well-Known Member
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    I would avoid Satellite if at all possible.
     
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  22. blind dog

    blind dog wps
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    this

    But it's not always possible. My parents have a cabin in woods with no other options. After wasting a years worth of fucking with Hughesnet which was absolutely the worst ever they switched to whatever yesnet is (might just be a rural arky thing). Weirdly some other people with places down there have no issues with Hughes.
     
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  23. Barves2125

    Barves2125 "Ready to drive the Ferarri" - Reuben Foster
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    Agreed but it's not possible currently. This house is in a very rural spot in the middle of nowhere Alabama. Lucky to have any internet options at all to be honest. Viasat says they have 50mbps with 100GB monthly cap for $100/month. I'm just curious to know how shitty it really is because if that's what they're advertising then it should be fine but I'm sure it's actually much worse in reality.
     
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  24. Bruce Bowen

    Bruce Bowen Well-Known Member
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    Just don’t expect to stream anything on it.

    Try getting in on this https://www.starlink.com/
    Latency is the biggest issue with Satellite so be interesting what their latency looks like.
     
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  25. blind dog

    blind dog wps
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    we are able to stream netflix, hbo, etc without much lagging
     
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  26. Bruce Bowen

    Bruce Bowen Well-Known Member
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    Been a bit since I used it. Nice to hear it has improved.
     
  27. blind dog

    blind dog wps
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    I mean it's not great, but it works. Haven't tried to stream a game yet, not sure if that gonna be a problem
     
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  28. tigr2ndbase

    tigr2ndbase Well-Known Member
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    Decided not to lay it down. I looked at my neighbors and he’s got weeds everywhere.
     
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  29. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
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  30. THF

    THF BITE THE NUTS, THUMB IN THE ASS!
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    Have you looked at Starlink? The new Elon Musk stuff? Buddy of mine has it and he loves it.

    edit Bruce Bowen beat me to it.
     
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  31. Open Carry

    Open Carry TMB Rib Master
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    Had the inspection yesterday. It was disappointing to say the least. I was expecting to have maybe 5k in minor repairs from what I saw in the showing, but the inspector identified probably an additional 20k in hvac, electrical, and plumbing repairs that need to be made prior to move in or within the next year or two. I’m considering walking away. This sucks.
     
  32. Russellin4885

    Russellin4885 Well-Known Member
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    You can post it here if you want some second opinions. In my experience inspectors like to list every fucking thing and most times it's not all that critical.
     
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  33. Open Carry

    Open Carry TMB Rib Master
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    House was built in 1949, so has cast iron pipes to city. Apparently life expectancy is 60 years, so that’s over due. Furnace and compressor need to be replaced, water heater is at life expectancy, windows are rotting, no insulation in attic or crawl space, siding in spots is damaged, most of the electrical system is not grounded and the gfci’s don’t work. I think my estimate is up to $25k without any of the electrical.
     
  34. THF

    THF BITE THE NUTS, THUMB IN THE ASS!
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    Use it as leverage against the sellers. Now that an inspector has found the issues they have to be disclosed to any new buyers.
     
  35. Bishop

    Bishop Future Member
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    That's a good inspector. My AC died within a month of moving in and we had to replace it after a year.
     
  36. Open Carry

    Open Carry TMB Rib Master
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    My agent has already reached out to the seller to let them know I’m on the fence after inspection. They immediately offered $5k in closing costs. Not sure if that’s enough, but it does make me feel better.
     
  37. a.tramp

    a.tramp Insubordinate and churlish
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    I was told my cast iron needed replaced before I moved in, 7.5 years ago. Have not had to be addressed yet. Inspectors love to just write that up when they see it but the reality is, if they are in serviceable condition, they are in serviceable condition. Only a plumber running a camera can really tell you if it “has” to be done and is critical.
     
  38. Jorts

    Jorts "Ask about my Mortgage Services"
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    It’s a house built in 1949… that shit is normal wear and tear & expected. It’s what you get when you buy an old house.
     
  39. a.tramp

    a.tramp Insubordinate and churlish
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    Looking at a $190k cash out refi, lowering term from 30 to 15 years and only paying $1k per month more. Low interest rates are neat (low for me, maybe not for someone else).

    Need the rates to update so I can hopefully lock in.
     
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  40. ned's head

    ned's head Well-Known Member
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    Went through something similar. We were able to get experts the next day to get real estimates (plumbing and foundation in my case). Got a $15k estimate on foundation work and got all of that from the sellers.

    I will say that a week in, I kind of regret not walking. I do think that in time I'll feel differently, because it's true that an older house is always going to need work. We're just going to stay here long enough to justify the billions we'll put into it.
     
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  41. PAHokie

    PAHokie Can't a bitch living say I bought her Michael Kors
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    Nice humble brag about being able to pay more every month.
     
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  42. kinghill

    kinghill Well-Known Member
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    paid $250 to have two couches removed from my home fuck my life I feel like a useless asshole
     
  43. Willpépé

    Willpépé Miles of D.
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    When rates dropped a few years back (Brexit) we refinanced from 30 to 15 and it wasn't much more monthly, also saved like 67K in a day. Under 5 years now.
     
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  44. Bruce Bowen

    Bruce Bowen Well-Known Member
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    I think I could get someone on Facebook to pick up a bag of garbage if I posted it for free.
     
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  45. Lyrtch

    Lyrtch My second favorite meat is hamburger
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    this is always the move

    we've had broken furniture over the years and even broken people come get it in an hour
     
  46. kinghill

    kinghill Well-Known Member
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    At least I didn't have to break my back.


    Not having some rando flake out and not show up. Or show up and damage shit on the property. Or show up and then say they can't carry 1 couch down 3 flights of stairs. 2nd couch fit in elevator.
     
  47. bigred77

    bigred77 Well-Known Member
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    Broken people like broken stuff
     
  48. a.tramp

    a.tramp Insubordinate and churlish
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    This, how else would any of us get married.
     
  49. a.tramp

    a.tramp Insubordinate and churlish
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    Apparently someone tried to bust into the back door of my Sprinter. Anyone have any recommendations for a solar powered battery reserve motion detecting floodlight? The place in my yard I would need to put it would require a pretty substantial expense to run conduit to and not really feeling that.

    F5078E28-429C-433E-89E0-C0C4EAE88D54.jpeg
     
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  50. bigred77

    bigred77 Well-Known Member
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    That's nice of you to light it up for them to be able to see better next time