- Joined
- Oct 31, 2005
- Posts
- 4,277
Well, I've in the past mentioned that I bought a house. Today, I'm going to share the adventure story with you all.
The back story...
About two years back my Grandfather had fallen and hurt himself. He needed live in care after that and rather than put him in a home, my mother decided to take care of him. There were some issues with that and to help out I moved in.
His condition continued to decline and last summer he passed away. After that I started the search for buying a home as it wasn't really needed for me to be here.
I started the process about getting pre-approved for a loan and the bank was being ass. It seems all my money, because I don't keep it in a bank, doesn't count as money and they can't approve me without having to jump through some hoops. Fuck them. I've good credit, a good job and enough money to buy a house outright, but I wanted something bigger so was going to get a loan.
Well, onto buying a house.
The housing market here is awful. I felt like everything I looked at was overpriced by quite a bit. Anything worth having at a reasonable price was usually sold within a few days of it coming on the market.
The first few houses I had scheduled to look at all sold before they could get me in to see them. I would have an appointment scheduled, then, get a call telling me that it was off the market that next day.
When I finally did find some place I was able to make an offer on, I did soand the seller made a counter offer. I had 24 hours to reply and then they went off the radar and we were unable to contact them for a day.
Then, basically I got a phone call from my agent telling me that their agent called her and said because I didn't get back with my counter offer (because their agent wouldn't take our calls) they now had a better offer and wanted to know if I was willing to offer more.
My reply was fuck that, and fuck them, stick their house up their ass. They ended up selling it for a lot more than they countered my offer with. So it pays to be a dirty bastard I guess.
Well this went on for a few months, until in November, when a guy my dad knows told him that he had a house for sale. Here is the deal with that.
So, my Dad's friend has a house for sale. He is renting it to his ex-step daughter and her husband. They have quit paying him rent and have gotten in trouble with the law over some theft and drug issues. They had been living there several years, and had done this before. He started to evict them but they straightened up for a while and paid the bills. Then once again they are in trouble. The girl is due to go spend some time in jail and he doesn't want her husband living there and doesn't want to have to fuck with putting them out so he was just going to sell the house and be done with it.
My Dad tells me about this and because his friend is a good guy I decide that if the price is right I'll buy and deal with the scum fucks.
I get to talk with the owner and he tells me what he can. He informs me that they won't let him in the house and he doesn't know what condition it is in. If I want it, then I have to buy it unseen on the inside.
I looked the exterior over and it was in fair shape. It needs some work but nothing major.
I decide that the price is right and that even if it is awful I can still flip it for a profit. Fuck the bank and their shit I just paid cash and then contacted them and told them I didn't need their mortgage loan shit anymore, because it turns out my cash not in the bank really actually does count as money and I bought a house outright. Was happy to tell them to fuck off, so that was nice. Its the little things in life one has to be able to take joy in.
A 3 bedroom, one bath, with an attached carport and detached garage on a good sized corner lot in a not too awful area. Money spent and not too bad and I still have part of my savings I was going to use for a down payment on a bigger house. I figure I can fix it up a bit and if I don't like it just flip it as the other houses in the neighborhood are selling for almost twice what I paid.
... I will continue this in a bit and have some photos...
The back story...
About two years back my Grandfather had fallen and hurt himself. He needed live in care after that and rather than put him in a home, my mother decided to take care of him. There were some issues with that and to help out I moved in.
His condition continued to decline and last summer he passed away. After that I started the search for buying a home as it wasn't really needed for me to be here.
I started the process about getting pre-approved for a loan and the bank was being ass. It seems all my money, because I don't keep it in a bank, doesn't count as money and they can't approve me without having to jump through some hoops. Fuck them. I've good credit, a good job and enough money to buy a house outright, but I wanted something bigger so was going to get a loan.
Well, onto buying a house.
The housing market here is awful. I felt like everything I looked at was overpriced by quite a bit. Anything worth having at a reasonable price was usually sold within a few days of it coming on the market.
The first few houses I had scheduled to look at all sold before they could get me in to see them. I would have an appointment scheduled, then, get a call telling me that it was off the market that next day.
When I finally did find some place I was able to make an offer on, I did soand the seller made a counter offer. I had 24 hours to reply and then they went off the radar and we were unable to contact them for a day.
Then, basically I got a phone call from my agent telling me that their agent called her and said because I didn't get back with my counter offer (because their agent wouldn't take our calls) they now had a better offer and wanted to know if I was willing to offer more.
My reply was fuck that, and fuck them, stick their house up their ass. They ended up selling it for a lot more than they countered my offer with. So it pays to be a dirty bastard I guess.
Well this went on for a few months, until in November, when a guy my dad knows told him that he had a house for sale. Here is the deal with that.
So, my Dad's friend has a house for sale. He is renting it to his ex-step daughter and her husband. They have quit paying him rent and have gotten in trouble with the law over some theft and drug issues. They had been living there several years, and had done this before. He started to evict them but they straightened up for a while and paid the bills. Then once again they are in trouble. The girl is due to go spend some time in jail and he doesn't want her husband living there and doesn't want to have to fuck with putting them out so he was just going to sell the house and be done with it.
My Dad tells me about this and because his friend is a good guy I decide that if the price is right I'll buy and deal with the scum fucks.
I get to talk with the owner and he tells me what he can. He informs me that they won't let him in the house and he doesn't know what condition it is in. If I want it, then I have to buy it unseen on the inside.
I looked the exterior over and it was in fair shape. It needs some work but nothing major.
I decide that the price is right and that even if it is awful I can still flip it for a profit. Fuck the bank and their shit I just paid cash and then contacted them and told them I didn't need their mortgage loan shit anymore, because it turns out my cash not in the bank really actually does count as money and I bought a house outright. Was happy to tell them to fuck off, so that was nice. Its the little things in life one has to be able to take joy in.
A 3 bedroom, one bath, with an attached carport and detached garage on a good sized corner lot in a not too awful area. Money spent and not too bad and I still have part of my savings I was going to use for a down payment on a bigger house. I figure I can fix it up a bit and if I don't like it just flip it as the other houses in the neighborhood are selling for almost twice what I paid.
... I will continue this in a bit and have some photos...