patrick.net

okie dokie ... sent off Draw #2 for the 203K Rehab loan. It has everything but the appliances in it, so I will have one more draw and a big change-order to access the 15% cushion that was created.

The entire interior is done. I only need to finish detailing some cabinets and getting some blinds.

Need another gorillia to help me lift the island back into position. Co-worker shall be volunteered tomorow.

I have two doors to hang. New rear patio man door and new garage man door. Paint is drying on them.

We need to get some good carpets for the entry points to control some dust. Stinkin hard wood cherry colored floor shows the dusty boot prints very well.

Wife and oldest daughter cleaned a few windows today. I am suprized as you are.

Put a new door bell chime and button. Ding ding dingding .... ding ding dingding. You know the one.

And so ... completely out of money (about $3K cash total left in bank, 25K in signiture loan [$500 a month payment for 60 months] used to fund addition and extras, 130K in house loan, 34K in rehab 203K [1,300 a month for 30 years]) so, $190K in debt against a $250K estimated house value, and $3K in cash ( I feel so naked without cash). I will refi as soon as the rehab loan is finalized if rates are still good.

Outside work will be slow due to no funds. First I must paint the outside. It will cost about $700 in material. I am doing the backyard/pool fence next. Friggin fence is $10+ per foot just for the material. Absurd. That makes it a $3,000 pile of wood for me to build with. Next will be some front yard doctoring and circle drive stuff. Again, just doing what I can without spending money. Cement is still $75 a yard, so I'll be pouring in a patchwork fashion on paydays .... lol (the construction guys will get it and laugh).

Ok, anyone have any questions about the 203K rehab loan? It worked for me.

planted water melons. lots of em.

mucho yard work all weekend.

appliances come Monday, then we start putting in our junk.

Bap33 says

planted water melons. lots of em.
mucho yard work all weekend.
appliances come Monday, then we start putting in our junk.

Put a few watermelons in square jars so they come out like this for fun:

Fits nicely in the fridge. It'll mold to the shape of the glass but you will have to break the jar when it is full.

how does it spin on the vine with a block shape? That is pretty neat. May try it with a wine jug, just for kicks.

I've seen these...they are grown in Japan...

Alrighty ... just refied down to 3.5 from 4.64, the loan cost will be paid back with the savings in about 3 years. House appraised at $260K, into it for 191K total.

Completely repainted the exterior.
Built shelves for inside the garage.
Shop and cement around it were done last summer.
Finished off the inside of the shop, epoxy floor, slick OSB side walls, lots of lights and plugs, wired for Cat 5 and Cable.
Oh, and the epoxy floor was a real challenge. I wanted to have a metal flake over white floor, to give it a 50's vibe. Well, I muffed up the application of the metal flake, made a mess and used up $200 extra in epoxy, but now it all looks ok, just plain bright white .. no clear, no metal flake. lol. This story is much funnier while standing in the shop!

The only thing really needed to do, besides constant maintanance, is landscape and flatwork.
I have diced, graded, and worked the lot to smooth and flat, and ready to be made cool, just don't wanna go into debt for landscape and flatwork.
Cement is $100yd, my cost, on Saturdays, with a full truck and no stand by time. Running lots of sprinklers on a well is not my favorite thing either, so I'm looking at lots of flat work and mow-strips to allow for rock areas.

top-grade laminated Hardwood floors are awesome, and the dog cant scratch them.

Black Appliances look neat but are hard to keep clean and look like crap too much of the time. Kinda like a black car.

Fire stove is a harth mount and is amazing. Uses very little wood, makes lots of heat. House is at 80deg and kids walking around in summer clothes after showers at night.

The market is pretty strong around the area because folks want to get away from the scummy areas. That is the only motivator in this area, I think. Otherwise, it's farther to the store, DMV, Doctor, ect. No sidewalks around here, and that can be an issue.

Kids have friends all around and the court we are on the end of is the playground. In the summer months there are nights when there are 15 kinds between 7 and 12 out on the court with scooters, bikes, or balls, or just running around being kids. Not a bad situation right now. I'm sure when they are all teenagers I will be keeping my daughter closer to the house! lol

my gorillia guard dog is getting lazy and fat due to no more true guard duty.

Merry Christmas

Bap33 says

welp ... the lender did not send docs, they sent more requests for stuff we should have had requests for a month ago, or more.

Or as I found, stuff you've sent tens times already in the last month.

Congratulations Bap, sounds like it is going well. Thanks for the update.

Bap33 says

I'm sure when they are all teenagers I will be keeping my daughter closer to the house! lol

Good luck with that!

15 kids, not 15 kinds .... 15 kinds made very little sense. lol