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lollersk8s
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Quote:
Originally Posted by JPF_ View Post
I hate South Carolina with a passion......

But dam is the housing cheap as hell out here.

Just saw a 3k sq ft house, 5 br 3 bath for 175k......recent build too no one has lived in it.

Perfect unless you need work or don't want to be eaten alive by mosquitoes
Old 11-25-2012, 08:48 PM lollersk8s is offline  
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JPF_
 
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Quote:
Originally Posted by lollersk8s View Post
Perfect unless you need work or don't want to be eaten alive by mosquitoes

skeeters are not so bad......

Work is hard to come by if its skilled.....basic labor jobs are everywhere. You can get a 1br 900 sq ft apartment and live ok on 11/hr job....
Old 11-25-2012, 08:51 PM JPF_ is offline  
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#17  

Tex Arcana
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If you're not adverse to commuting, you can build a new home (and possibly buy an existing home) via the USDA's program, where if your credit is good and you make less than $86k a year (likely adjusted for your region), you can qualify for a loan that is no down payment (USDA underwrites it, and covers the down), low interest, and easy qualification.

Something to think about.
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Old 11-25-2012, 10:10 PM Tex Arcana is offline  
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Any tips? ...

This is a good buy. Good location. No yard to mow.

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Old 12-03-2012, 09:41 PM DrMackevili is offline  
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#19  

VanFanel
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Quote:
Originally Posted by Tex Arcana View Post
If you're not adverse to commuting, you can build a new home (and possibly buy an existing home) via the USDA's program, where if your credit is good and you make less than $86k a year (likely adjusted for your region), you can qualify for a loan that is no down payment (USDA underwrites it, and covers the down), low interest, and easy qualification.

Something to think about.

Three words: Private Mortgage Insurance - non-writable off your taxes.
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Old 12-13-2012, 11:53 PM VanFanel is offline  
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#20  

ytzombe
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Originally Posted by VanFanel View Post
Three words: Private Mortgage Insurance - non-writable off your taxes.

Yes it is. It's counted as points which are deductible.
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Old 12-14-2012, 08:00 AM ytzombe is offline  
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#21  

s0me0nesmind1
 
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Quote:
Originally Posted by Tex Arcana View Post
If you're not adverse to commuting, you can build a new home (and possibly buy an existing home) via the USDA's program, where if your credit is good and you make less than $86k a year (likely adjusted for your region), you can qualify for a loan that is no down payment (USDA underwrites it, and covers the down), low interest, and easy qualification.

Something to think about.

Buying a house with no down payment.... American corporations looooooooove you. Yes, yes... make that minimum payment on your credit card. Oh - better open a new one and transfer the balance for a little delay!

You're a smart one aren't you? I'm so glad to hear how smart you are, now go cut up those pieces of wood cock smoker.
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Old 12-14-2012, 05:03 PM s0me0nesmind1 is offline  
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Drizzt
 
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Ya, a good down payment helps. Put a nice 60,000 grand down on the house the wife and i bought. Thank goodness we saved it up though. Only pay like 550 bucks every 2 weeks for our mortgage. Well, i guess there is is utilities and stuff
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Old 12-14-2012, 06:42 PM Drizzt is offline  
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#23  

aoeoae
 
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scooby built his own house over 2 yrs living in a tent in the back yard
Old 12-14-2012, 09:10 PM aoeoae is offline  
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#24  

Rancidpunk666
 
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I love people who have the money to pay off their house way ahead of time but don't because the interest is tax deductible. Lol

My house is paid off, we take x amount of money we would be paying for mortage each months and drop it in mutual funds. We've had the house paid off for almost 3 years (basically lived off one of our salaries, bought nothing but essentials, and used the other to pay off our house in no time flat. 26 months to be exact)

In that time with our gains we could be living in not a condo. Lol
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Old 12-15-2012, 04:54 AM Rancidpunk666 is offline  
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#25  

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damn, either a cheaper house or a damn good job. if we just went of my paycheck now (2nd year plumber) and assuming I worked 88 hours every check it would take 150 months
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Old 12-15-2012, 03:44 PM Drizzt is offline  
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#26  

Rancidpunk666
 
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Quote:
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damn, either a cheaper house or a damn good job. if we just went of my paycheck now (2nd year plumber) and assuming I worked 88 hours every check it would take 150 months

i only get a paycheck from march 15 until December 15. i do take a bonus on December 15 in the amount of about 1/3 i'd make in my off time to cover Jan 1 until March 15. It's not a glorious but my wife has a decent paying job with full paid benefits for the both of us. It's also 8:30 - 2:30 m-f with free day care for employees. We don't have any kiddies yet but when we do... It's nice. I come home after working 14 hours and the house is always clean and dinner ready. But really, the best thing that happened for us is when she got all the benefits. Started saving us around 350 a month.
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Old 12-16-2012, 12:34 PM Rancidpunk666 is offline  
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#27  

Tex Arcana
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Quote:
Originally Posted by s0me0nesmind1 View Post
Buying a house with no down payment.... American corporations looooooooove you. Yes, yes... make that minimum payment on your credit card. Oh - better open a new one and transfer the balance for a little delay!

You're a smart one aren't you? I'm so glad to hear how smart you are, now go cut up those pieces of wood cock smoker.

the actual down payment is covered by the USDA, which means our cash stays where it needs to stay, IN OUR HANDS!

Doesn't mommy need you to gnaw off her pubes again? I think it'll be easy since the pustules are full of her diseased pus.
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Men heap together the mistakes of their lives, and create a monster they call destiny.
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Old 12-17-2012, 10:51 AM Tex Arcana is offline  
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#28  

Rancidpunk666
 
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Originally Posted by Tex Arcana View Post
the actual down payment is covered by the USDA, which means our cash stays where it needs to stay, IN OUR HANDS!

Doesn't mommy need you to gnaw off her pubes again? I think it'll be easy since the pustules are full of her diseased pus.

Taking hand outs from the government and immediately forgoing private property rights..

Shit son. I thought you were smarter than that. Have fun when they find contaminated soil when you're ready to sell and you're stuck with house.
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Old 12-19-2012, 02:49 AM Rancidpunk666 is offline  
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#29  

Riiioun
 
Something I learned when I did it was that it was helpful having a pot of "holy shit I didn't think of that money."
Old 12-20-2012, 07:08 PM Riiioun is offline  
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