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05-07-2021, 02:01 PM | #376 | |
Scooby Newbie
Member#: 300811
Join Date: Nov 2011
Chapter/Region:
RMIC
Vehicle:1939 International School bus |
Quote:
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05-07-2021, 02:04 PM | #377 | |
Scooby Specialist
Member#: 5673
Join Date: Apr 2001
Chapter/Region:
BAIC
Location: Folsom, CA
Vehicle:05 LGT, 02 WRX Hellcat CTR LC500 GRC |
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05-07-2021, 05:21 PM | #378 | |
Scooby Guru
Member#: 92634
Join Date: Aug 2005
Chapter/Region:
RMIC
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Quote:
Duly noted for next time around! Closing 2 is now done. Final figures: $548,250 (conforming limit) on one note. 30 years fixed at 3.000%, paid a tenth of a point. Second note is structured as a HELOC as far as I can tell, fully drawn at $137,500 (from memory). 30 year term. Variable. Prime plus 3.249% so not great! This shall be the first one to attack down the road for sure as the prime rate is 3.25% currently. |
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05-07-2021, 06:49 PM | #379 |
Scooby Guru
Member#: 92634
Join Date: Aug 2005
Chapter/Region:
RMIC
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Put in application for HELOC on Denver place. Proceeds will be used to pay for improvements on the Tabernash place (I know interest will thus not be deductible, not sure if that even is a thing with the current Trump-era tax law anyway) and also quite possibly pay down a portion of the 6.499% second loan on the Tabernash place as well, because much better rate and all.
Also put in a service application for Slopeside Internet, the more homebrew of two long range WiFi ISPs in the area. They have a month to month option for a $200 additional one-time fee, which I elected for since I'm signed up for Starlink, whenever they may touch down in the area. Outside of the one-time fee and equipment and installation fees similarly not waived with month-to-month, it'll be $90/mo for their highest level of service, ~40 Mbps. |
05-08-2021, 02:53 PM | #380 |
Scooby Guru
Member#: 92634
Join Date: Aug 2005
Chapter/Region:
RMIC
|
Went up with kids. Got Peloton inside—on deck for photo but inside for real life. Installed keypad lock, found that the internal connector for the smart module (for internet admin) was sheared off. Was able to set master and a daily use code on it anyway. Awaiting resolution from Amazon. Threw out a bunch of junk as the prior owners had a construction dumpster out front still. All their linens, bunch of chairs, some janky furniture, some of their art, dog igloo, etc. Garage door openers have dead batteries. I don’t know the keypad codes for the garages. Will have to experiment re homelink and just new batteries. Said hi to the neighbor next to me. He has a 4 year old with joint custody with ex-wife and appears to live there full time. |
05-08-2021, 03:02 PM | #381 |
Scooby Specialist
Member#: 90804
Join Date: Jul 2005
Chapter/Region:
SCIC
Location: SFV
Vehicle:2021 Ascent 2012 Accord |
Always good to have full time neighbors to keep an eye on things... assuming they're not a-holes.
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05-08-2021, 04:06 PM | #382 |
Scooby Specialist
Member#: 21356
Join Date: Jul 2002
Chapter/Region:
NESIC
Location: Can't catch me!
Vehicle:2017 Subaru Corolla STI Limited SE-R Type (R) |
Congrats. Hopefully it won’t get too hectic with upgrades and moving in
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05-08-2021, 04:14 PM | #383 |
Scooby Newbie
Member#: 171486
Join Date: Feb 2008
Chapter/Region:
International
Location: Hiding from The Google
Vehicle:2019 911 GTS Silver |
Looking forward to updates
Enjoy. And get out there as much as you can! |
05-08-2021, 04:34 PM | #384 | |
Scooby Guru
Member#: 92634
Join Date: Aug 2005
Chapter/Region:
RMIC
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Thanks, all. Yeah, having full timer neighbors is good for sure.
Final bed tally turns out to be 3 kings and 1 queen upstairs, another queen in the basement. The two queens are just box springs with mattresses on top so I'll get some cheap bed frames with headboards from Amazon. Next up: Quote:
Last edited by shikataganai; 05-09-2021 at 11:20 AM. |
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05-08-2021, 04:35 PM | #385 |
Scooby Guru
Member#: 92634
Join Date: Aug 2005
Chapter/Region:
RMIC
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It’ll be entirely habitable by us with the bedding and window covers, so next weekend. Every weekend I’m free we shall be up there.
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05-08-2021, 05:22 PM | #386 | |
Scooby Newbie
Member#: 171486
Join Date: Feb 2008
Chapter/Region:
International
Location: Hiding from The Google
Vehicle:2019 911 GTS Silver |
Quote:
What is the door to door time? Our first weekend we slept on an air mattress, we were so excited to get up here. We spend 2-4 weekends a month at our weekend home, but have a length 3 hr 15 min drive. It goes by quickly and I don't mind the drive at all. Last year we did 120 days up here, and looking ahead for 2021, should be between 100-120 days again. Previously we were up here in the 70-80 days/yr range mainly b/c we were out of country the other 40-50 days. It was definitely an experiment for us when we first bought 4 seasons ago, and we were not sure how much use we would get out of it. Based on our usage, we are wanting a larger place. Preferably with a garage (or 2nd parking stall if in a condo). Definitely planning on retiring out here, and would like a house then. |
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05-08-2021, 10:28 PM | #387 |
Scooby Guru
Member#: 92634
Join Date: Aug 2005
Chapter/Region:
RMIC
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1h 41m, 84 miles per Google Maps at this hour. I deem that acceptable—plenty long enough with young kids as it is.
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05-09-2021, 11:12 AM | #388 |
Scooby Newbie
Member#: 171486
Join Date: Feb 2008
Chapter/Region:
International
Location: Hiding from The Google
Vehicle:2019 911 GTS Silver |
Very nice
That is nothing. And I can appreciate that it will be enough with kids in the car. |
05-09-2021, 11:30 AM | #389 | ||
Scooby Guru
Member#: 92634
Join Date: Aug 2005
Chapter/Region:
RMIC
|
Quote:
Application formally in with Third Federal for the prime - 1.01% rate HELOC, 2.24% as it currently stands. (It's variable but also limited such that it'll never dip below 2.24% even if prime goes below its current 3.25%.) As I alluded to above, if I get approved for the full $140k against the Denver house's equity then I'll shift money around: Quote:
The point of all these machinations would be to go from Denver @ 2.125% and roughly 58% LTV, Tabernash at a two-loan 3.000% and 6.499% (!!) at 90% LTV to Denver @ 2.125% + 2.25% at just under 80% LTV, Tabernash at ideally 2.75% or so at just under 80% LTV |
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05-09-2021, 02:39 PM | #390 |
Scooby Guru
Member#: 16840
Join Date: Mar 2002
Location: CO
Vehicle:17 4Runner |
Gonna be a part time job just making all of those moves.
Will rental income help you pay down some of that principal quicker? Haven’t done the math myself - I’m assuming you are set for both houses worth of payments with no renters so the rental becomes icing on the cake? |
05-09-2021, 03:26 PM | #391 | |
Scooby Guru
Member#: 92634
Join Date: Aug 2005
Chapter/Region:
RMIC
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Quote:
Yeah, rental income will help for sure, except that year 1 will likely be entirely wiped out by the cost of the hot tub via Vacasa. Did the math yesterday and total DTI under the current loans (including student loans!) is a shade under 31%. So I’ll be just fine even without the cake being iced this year, and refinancing to a lower rate will nudge this down a bit more yet. |
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05-09-2021, 08:37 PM | #392 | |
Scooby Specialist
Member#: 17797
Join Date: Apr 2002
Chapter/Region:
MAIC
Location: Pittsburgh, PA
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Quote:
Shouldn’t be bad to handle payments at that DTI. I’m at 18%. Maybe I should buy a vacation home. |
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05-09-2021, 10:00 PM | #393 |
Scooby Guru
Member#: 92634
Join Date: Aug 2005
Chapter/Region:
RMIC
|
18%, nice! 31% is with house 1 at 15 years, for the record.
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05-09-2021, 10:33 PM | #394 |
Scooby Guru
Member#: 92634
Join Date: Aug 2005
Chapter/Region:
RMIC
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Among orders for bedding, etc. now that we have the bed dimensions I also ordered one of these:
For the main floor, hardwired to power, stream to it via Bluetooth. On sale for $180, this being the smaller 12" wide The One II, not the The Three II. In our Denver house we have Echos all over the place (including an Echo Studio in the kitchen that serves this Klipsch's purpose of wireless music) but that's not going to fly for a rental: privacy issues in the first place with them listening, additional privacy issues due to the whole "drop in" possibility, and access to our Amazon account albeit indirectly. Yeah, nah. |
05-10-2021, 12:50 AM | #395 |
Scooby Specialist
Member#: 52314
Join Date: Jan 2004
Chapter/Region:
South East
Location: Following the green weenie
Vehicle:... 02 and 04 WRXs! 2020 G70 3.3T RWD |
I love the look of those!
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05-11-2021, 01:40 AM | #396 | |
Scooby Guru
Member#: 92634
Join Date: Aug 2005
Chapter/Region:
RMIC
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If y'all need help sleeping, here's what I wrote up for the house info binder that'll be on the counter.
Quote:
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05-11-2021, 08:07 AM | #397 |
Scooby Specialist
Member#: 21356
Join Date: Jul 2002
Chapter/Region:
NESIC
Location: Can't catch me!
Vehicle:2017 Subaru Corolla STI Limited SE-R Type (R) |
9 thermostats, wow.
I was going to suggest smart thermostat to take care of the 80F temperatures running 24 hrs, but that could cost a penny. I personally would split it all up into sections inside a booklet. Easier to find what I would be looking for. House rules Smart devices, TV, etc. Sauna usage and rules. Things to do Places to eat HOA rules |
05-11-2021, 09:17 AM | #398 |
Scooby Specialist
Member#: 6030
Join Date: Apr 2001
Chapter/Region:
Tri-State
Location: Northeastern PA , USA
Vehicle:04 Gold FXT 07 WRB FXT Sport |
Good info Shik!!
I like the idea of splitting it up into sections with tabs as vapore0n is suggesting. How about another section up front for emergency info, local hospital, police, fire, etc... 911 reminder for potential international guests... Street address for 911 calls etc... |
05-11-2021, 10:17 AM | #399 | ||
Scooby Guru
Member#: 92634
Join Date: Aug 2005
Chapter/Region:
RMIC
|
Quote:
Smart thermostat is definitely coming but it'll need professional plumbing (since boiler + radiant) help given the 8 zones. Apparently one can put a controller for those zones and then something like the Honeywell Evohome will work. Definitely not putting in 8 Nests or Ecobees, each of which can only control a single zone! Quote:
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05-11-2021, 12:14 PM | #400 |
Scooby Specialist
Member#: 90804
Join Date: Jul 2005
Chapter/Region:
SCIC
Location: SFV
Vehicle:2021 Ascent 2012 Accord |
I like having 9 zones. One or two zones is easy to wire/install but stinks for even heating/cooling. No two rooms have the same hvac requirements.
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