Posted in Homesteading, Musing & Stories

Moving Part 12: Looking at a Doublewide

In part 11, we backed out of the huge house in the small town due to structural issues. Since then we’ve been beaten to the punch on 2 other properties.  Recently, we viewed a doublewide MH on an acre of woods. 3 bed/2 bath. New roof,, screened porch, patio doors and a wood stove- YAY! {Here we go again!}

{Gratuitous woods and porch pic… at the showing.}Porch pic doublewide

Looking for loans: UGH. They should consider this a house on a foundation, not a mobile home. But she’s older. So we’ve applied with a different mortgage company. Awaiting another pre-appoval letter is torture. As an aside: for anyone purchasing a MH new or used… there are USDA and FHA loans for MH and land/home packages, too.

Getting an inspection and putting in an offer this week – Crossing fingers. {It’s the first place Hubby and I haven’t had some kind of argument over- now that’s a sign 0.o }

Meanwhile snafus abound here at the TinyTrailer… A crack in the van windshield. The lawn mower croaked. Vet and medical bills are due. Rent looming. License plates [x2] are due. Nine prescriptions need re-upped… Can everything just be stasis for a few weeks, please?? It’s already going to be nip and tuck to cover a year’s worth of homeowner’s insurance on top of it all- Yikes!

Work at home and Housework- organizing… I’ve had really good days designing, setting goals and marketing. Later today I’m taking advice from my daughter and Konmari-ing every box/stack of papers hiding in this claustrophobic, mid-moving mess.

Friends and Confidantes, I wish you all a productive Monday- Gma Auburn {Jen}

#moving #midwestlife #organization #indiana #loantypes

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Posted in Homesteading, Musing & Stories

Moving: Part 11 – The Inspection Tells All

The Home Inspection revealed more than we bargained for.  Since y’all have been following our saga thus far- I won’t keep you in suspense… We are backing out of the deal with this particular property.  It was so sad for Hubby and I to come to this decision over the last few days.Lillies inthewindow

Now, if you’ve never went through this process; 9 out of 10 times you cannot back out at this junction in the game. UNLESS the inspection has pointed out grave issues with the structure.

For one, the water wasn’t turned on, so in that respect we couldn’t have the plumbing inspected (and because of that my Realtor will be asking for our money back from the seller.)  The report included: nail holes in the roof and subsequent water damage where some rafters had already been sister-studded, some knob and tube wiring (which may or may not be functional, but will negate a homeowner’s ins policy), and live hot wires not capped. But the worst of it was pylons continuing to sink in the basement with moisture all over. Plus the back half of the house has settled one direction and the front has settled another. Yikes!

Friends and Confidantes, when your inspection guy mentions the movie “The Money Pit” read between the lines.  “We got weak trees!” Tom Hanks  Gma Auburn {Jen}

#moving #homeinspection #midwestlife #indiana

Posted in Homesteading, Musing & Stories

Moving: Part 10- Offer Accepted! The Countdown begins

Twenty days -more or less- until closing! We’ve handed over the earnest money. Now I’m ticking off the remaining TO DO list ASAP:

bedroom-1-upstairs-before-pic-7-2019-e1564424296391.jpg
First bedroom upstairs. 7/2019 Before renovation.
  • Homeowner’s insurance that is accepting of and dovetails with AirBnB.
  • {Erie Insurance gave me the agent’s name near us. Very nice lady understood what I needed. 🙂 }
  • Unwinterize?? pipes for the…
  • Home Inspection
  • Estimate for electrical work
  • Order Appraisal
  • Call the city & county offices/services
  • Coordinate times with and…
  • Email Realtor and Loan Officer all paperwork.

You know that feeling like you’re 3 days behind and still missing something?? Meanwhile, boxes are stacking up in my hallway.

  • Looking online for deals on construction materials, bath fixtures, paint etc.
  • {Menard’s has paint for less than $30/gal. -some are $26 with rebate}

Browsing interior wall colors makes me smile, Friends and Confidantes! DIY headboards, matching comforters soft sheets… and warm muffins for breakfast!  – Gma Auburn {Jen} Contemplates aqua and gold accents 🙂

#airbnbinsurance #airbnbdecor #homemade #DIYrenovation #midwesthospitality #goals #moving

Posted in Homesteading, Musing & Stories

Moving – Part 8: Off to Underwriting

Flowers 12Underwriting is the black hole at the bank where all the documents go; while you nibble your nails all weekend with anticipation.

We had to fill out a lengthy ‘Letter of Explanation’… so I made the coffee extra black this morning.  It took a few days to reset passwords and dig up lost folders. Won’t mention my snafus with the printer/scanner settings.  Even well-caffeinated, I suck at technology.

Just now having slight heart palpitations upon the realization that we’ve signed ourselves up willingly for several thousands of debt over years. Friends and Confidantes it’s scary and exciting all at once. Next week’s possibilities – Appraisal and inspection hopefully...

#homeloans #moving #smalltownlife #buyerpaysforWHAT #Indiana #summerflowers #retirement

Posted in Homesteading, Musing & Stories

Moving Part 4: Small Town Possibilities?

Several ‘floating’ criteria come into play around midnight when I’m trolling realtor.com.  Some of which are our current and future side gigs. Hubby is a woodworker so he needs an outbuilding or garage, and I need an office, of course.

Coffee Mug Garden SeedsI’ve being looking across four counties, hoping for enough indoor/outdoor yard space to dog sit & have gardens, and chickens. Within an hour’s commute & under our price limit. There’s nothing that isn’t ‘handyman special,’ too close to Indianapolis (YUK!)… or on back roads with no phone service, that won’t see a snowplow for days.

Alternate plans forward: We are thinking it’s not our time yet, for a county homestead. We have to live with this decision for the next decade. We’d rather wait than compromise; or go too far in debt. 6 months of not quite right. Yikes! 5 months left till our lease is up here, and we ain’t stayin’ — Time for a new strategy.

Lilly in bloomWe’ve been revisiting the possibilities of  ‘small town life.’ Some pros… So many 2 story old Victorian style/Farm Houses listed as 4 bed/2 bath– just off the main street. Luscious dark woodwork within; begging to be loved up with Murphy’s oil soap. 😉 Cupboards and closets for miles. Neighborhoods with shade trees and bisecting sidewalks. I don’t dislike sidewalks.  Or neighbors for that matter. I could plant a both English and veggie gardens while he builds fences.

More than double the house in square foot, but smaller lot than we wanted {although bigger than we have now!}. Some traffic noise, but away from the city scurry. Closer to weekend attractions and small colleges. Solid and well built. City utilities & wifi/phone connectivity are a plus.

Alternate Side Gigs: Pet friendly air B&B? Maybe rent out an extra room & bath! A corner lot will be handy for hubby to display and sell his woodwork projects, too. Other ticks on the ‘plus’ side – Basement! Friendly community chatter page. Covered porches for rainy days, potted plants and corralling Border Collies. 😉 20-25 min to family and groceries & 40 min to work is reasonable. So are the house prices {even though a few updates are needed}. We’ll be viewing at least one mammoth place this Saturday. I’m excited for the possibilities!

 

I try not to complain in length or detail, but Friends and Confidantes, we are sick of this trailer park! There’s a racetrack across the street and moderate traffic from 7am till 7 pm in front of our place. There’s also two side roads that run within 6 feet on either side of the trailer into the park. I chose it because it had a covered porch and huge tree. It was meant to be temporary. –“3 years tops” is closing in fast – Gma Auburn {Jen}

#midwestliving #bordercollie #househunting #indianapolis #farwestside #hoosierstate #hiking #retirementplans