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Author Topic: FD is on the move  (Read 3948 times)

Deadeye

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Re: FD is on the move
« Reply #75 on: April 06, 2019, 06:39:55 PM »

My last on the Daughter.

Turns out she was kind of freaking out last night when we talked. Biggest concern their inspector had was how much junk was in the house.

Last night the Daughterís Realtor and her Husband went to the house and worked from about 7-12 midnight cleaning the junk out and into a pile outside the house. Also sent a list of what they thought should be cleaned to finish the job.

Today she, I and a Friend of hers hit the house about 10:00. A few others showed to help as well. We swept, wiped down walls, mopped floors, did a lot really. Going back to finish a few things tomorrow.

All this needed done by Tuesday to let the Loan people tell their inspector to go back and check again. No reason it shouldnít pass this time.

It would of needed done anyway. And the daughter was planning to pay $600 to a cleaning crew to get it done.

Now it will be done and it just cost her some pizza and waters.
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Eternal Optimism. It's what drives me to fish. Next cast is THE cast that will provide the reason why I am here. Big Bass, Small Bass, No Bass-- Everyday and Every Time out learn something. What worked and what didn't and why. In the end go enough days and then, Today is the day that it will all come together and the Fish Gods will smile.

SFL BassHunter

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Re: FD is on the move
« Reply #76 on: April 08, 2019, 07:48:18 AM »

So junk was the lenders concern? The hell kind of lender is this? What if you wanted to keep the ďjunkĒ you canít buy the house? Never heard of that. The lender should only be concerned if the place is in bad shape and not livable. Or if it has illegal additions and thereís a lien on the house. Thereís no reason why they need to be concerned with stuff in the house.


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PB: 6lbs 5oz / 24.25 inches.
Rods/Reels Dobyns, 13 Fishing, Cabelas Arachnid, Daiwa Tatula CT, Tatula SVTW, Tatula Tactical, Tatula Type R
Florida Bass Fishing

Deadeye

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FD is on the move
« Reply #77 on: April 08, 2019, 06:50:11 PM »

From how I understand it, their Inspector that does the value of the place said because of how messy it was and in dire need of being cleaned, it wasnít worth much and was only a Flip House.

Now all the junk has been removed and everything cleaned and swept/mopped.

Their guy said what it was worth was the same value as her offer, when the house is worth probably $40,000 more. Basically he was being a dick.

She will find out this week.

Oh and itís a 4/2/1 not a 3/2/1. But the drive has been done where you could park 6 cars with no problem plus the garage. Big paved area in the back under a huge tree and a decent sized shed.
« Last Edit: April 08, 2019, 06:55:33 PM by Deadeye »
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Eternal Optimism. It's what drives me to fish. Next cast is THE cast that will provide the reason why I am here. Big Bass, Small Bass, No Bass-- Everyday and Every Time out learn something. What worked and what didn't and why. In the end go enough days and then, Today is the day that it will all come together and the Fish Gods will smile.

FD

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Re: FD is on the move
« Reply #78 on: April 09, 2019, 05:59:56 PM »

Hit a small snag that going to delay the closing a week or so.

Nothing major just going to take a bit to get all the documentation together. This would be so much easier if I had a job.


Sent from the end of the paved road...
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BarryFL

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Re: FD is on the move
« Reply #79 on: April 09, 2019, 07:13:09 PM »

What you mean is a job working for someone else.

~Barry~

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twocold

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Re: FD is on the move
« Reply #80 on: April 09, 2019, 07:45:47 PM »

Sorry for the wait. Get a job quit being a great entrepreneur
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Deadeye

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Re: FD is on the move
« Reply #81 on: April 10, 2019, 04:48:36 AM »

Sorry for you that it is taking so long Lee. Hopefully this one will be the last one and you'll be living Lakeside real soon.
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Eternal Optimism. It's what drives me to fish. Next cast is THE cast that will provide the reason why I am here. Big Bass, Small Bass, No Bass-- Everyday and Every Time out learn something. What worked and what didn't and why. In the end go enough days and then, Today is the day that it will all come together and the Fish Gods will smile.

FD

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Re: FD is on the move
« Reply #82 on: April 10, 2019, 05:59:17 AM »

It just get a little frustrating. Iíve been in business for 22 years now. Survived the worst recession since 1973 and two ex wives. I have 7 full time 50 hour a week guys and 2 part time college students.

7 years ago I took my savings and bought my little place on Lowery for cash so I wouldnít have a mortgage. Since the divorce Iíve lived small. Not a lot of expenses to cover so I paid myself like an employee and reinvested profits in the company.  I have a lot of toys but I did not buy new or pay full price for them.  I saved and then bought. You can get a heck of a deal on most things if you have a wad of cash in your hand.

I feel like Iíve handled my finances responsibly but the banking industry looks at me sideways like Iím a drug dealer.

Apparently living a debt free lifestyle canít be comprehended by bankers.

Iím done ranting now. This will be done soon enough and you guys will be invited over for good fishing, good food, and a few adult beverages.


Sent from the end of the paved road...
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Deadeye

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Re: FD is on the move
« Reply #83 on: April 10, 2019, 03:45:21 PM »

Dude I hear ya.

After we moved to Florida with both of us working and selling the old house in Pa, the only debt I had was my truck loan and our house loan.

I tried to buy a Sportster that had 450 miles on it but was 7 years old. I figured no problem. Wrong.

When I went to my bank first thing he said was it was to old for a loan. Ok no big deal give me a Personal Loan. Nope.

He said I didnít have any Credit. I asked what do you mean? He said you donít have any debt. I said I donít owe anyone and I pay cash. He said that doesnít count.

He told me to get a Credit Card and put something on it. I said ok then pay it off right? Oh no worse thing you can do. You have to make payments for a year or more to Establish that you make your payments on time and your vehicle and house donít count.

I couldnít get anyone to give me a card. Had to PAY to get one and Pay a Annual Fee for it.

After a year I started getting CC offers and started taking them. No kidding my first CC was a $300 limit, all anyone would give me and had like a 28% interest.

I dumped it as soon as I could. Now I got a 800+ Credit Rating and can get almost anything whether I can pay for it or not.

That is crazy but itís how our system works.
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Eternal Optimism. It's what drives me to fish. Next cast is THE cast that will provide the reason why I am here. Big Bass, Small Bass, No Bass-- Everyday and Every Time out learn something. What worked and what didn't and why. In the end go enough days and then, Today is the day that it will all come together and the Fish Gods will smile.

FD

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Re: FD is on the move
« Reply #84 on: April 20, 2019, 04:57:46 AM »

Another email yesterday requesting 2018 corporate and personal taxes.   This is comical to me at this point so Iíll play along. The mortgage company has set a new closing date for 4/30 so we will see. The sellers arenít happy but they obviously donít have another offer on the table so they have agreed.

Iím getting to the point now where I donít care either way. I have a little house on a little lake thatís paid for. I want the bigger house on the big lake that comes with a big mortgage, but I donít need it.

Iím so busy at work that I donít have time to move anyway.  We had gotten the RV Park close to back on schedule and my client asked me to jump into another priority project for a week. So last week we spent in Apollo Beach getting an extension of a boulevard ready to build. This morning 6 transports are headed to pick up my tonka toys and take them back to the RV park where we now have to make up for last week. Iím honestly looking forward to the housing market slowing down a little.


Sent from the end of the paved road...
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SFL BassHunter

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Re: FD is on the move
« Reply #85 on: April 20, 2019, 06:04:54 PM »

Another email yesterday requesting 2018 corporate and personal taxes.   This is comical to me at this point so Iíll play along. The mortgage company has set a new closing date for 4/30 so we will see. The sellers arenít happy but they obviously donít have another offer on the table so they have agreed.

Iím getting to the point now where I donít care either way. I have a little house on a little lake thatís paid for. I want the bigger house on the big lake that comes with a big mortgage, but I donít need it.

Iím so busy at work that I donít have time to move anyway.  We had gotten the RV Park close to back on schedule and my client asked me to jump into another priority project for a week. So last week we spent in Apollo Beach getting an extension of a boulevard ready to build. This morning 6 transports are headed to pick up my tonka toys and take them back to the RV park where we now have to make up for last week. Iím honestly looking forward to the housing market slowing down a little.


Sent from the end of the paved road...

I'll wait to hear about the request for 2018 corporate and personal taxes they make in about 3 or 4 days. lol
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PB: 6lbs 5oz / 24.25 inches.
Rods/Reels Dobyns, 13 Fishing, Cabelas Arachnid, Daiwa Tatula CT, Tatula SVTW, Tatula Tactical, Tatula Type R
Florida Bass Fishing

twocold

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Re: FD is on the move
« Reply #86 on: April 20, 2019, 06:46:45 PM »

To put up with all the BS you must want the place. If so I hope you get it
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FD

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Re: FD is on the move
« Reply #87 on: April 21, 2019, 05:20:04 AM »

I'll wait to hear about the request for 2018 corporate and personal taxes they make in about 3 or 4 days. lol
That would not surprise me Rick. Iím pretty sure I sent them the 2018 corporate return as soon as it was finished back in early March.  The secure email service they use only saves my sent items for 30 day so Iím not sure but I had already scanned it and had a copy in my file.

This is becoming a very arduous task but I feel that we are very close. 

Yesterday I talked to a buddy who was in Banking for 25 years and he calmed me down a bit. The problem is with the new banking laws put in place after 2008 and the Patriot Act. Apparently My financials fit the profile of a drug dealer or someone laundering money for terrorists. Having multiple accounts with large deposits, a minimum debt to income ratio and running a small business so efficiently just doesnít seem believable.

I donít know many things but Iím good at getting paid to play in the dirt. I also know to listen to people that are smarter than me. So Iíve structured the business finances the way my CPA and lawyer tell me to, and itís worked.

Unfortunately 95% of America lives paycheck to paycheck and are drowning in CC debt. Including the people who are reviewing and approving my loan app and how I do things just doesnít seem possible to them.

If I want the house, I just have to play their game and wait them out...

So I wait.


Sent from the end of the paved road...
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FD

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Re: FD is on the move
« Reply #88 on: April 27, 2019, 03:35:48 AM »

We signed the closing disclosures yesterday and sent them the ďfinalĒ documents they requested.

I think we are actually going to close on Tuesday but I still have some doubt.




Sent from the end of the paved road...
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Bassinlou

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Re: FD is on the move
« Reply #89 on: April 27, 2019, 06:24:55 AM »

We signed the closing disclosures yesterday and sent them the ďfinalĒ documents they requested.

I think we are actually going to close on Tuesday but I still have some doubt.




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That's awesome!! Congrats!!

Deadeye

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Re: FD is on the move
« Reply #90 on: April 27, 2019, 07:03:23 AM »

Congrats Lee, hope this is it.
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Eternal Optimism. It's what drives me to fish. Next cast is THE cast that will provide the reason why I am here. Big Bass, Small Bass, No Bass-- Everyday and Every Time out learn something. What worked and what didn't and why. In the end go enough days and then, Today is the day that it will all come together and the Fish Gods will smile.

FD

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Re: FD is on the move
« Reply #91 on: April 30, 2019, 08:08:51 PM »

Finally itís done.

Now he moving begins. Reservations for the spare boat lift will be evaluated based on willingness to carry boxes and your handyman skills


Sent from the end of the paved road...
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Bassinlou

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Re: FD is on the move
« Reply #92 on: April 30, 2019, 08:16:21 PM »

Finally itís done.

Now he moving begins. Reservations for the spare boat lift will be evaluated based on willingness to carry boxes and your handyman skills


Sent from the end of the paved road...
Congrats Lee!!

Deadeye

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Re: FD is on the move
« Reply #93 on: April 30, 2019, 09:09:50 PM »

Congrats Lee, hope fulfills your dreams.
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Eternal Optimism. It's what drives me to fish. Next cast is THE cast that will provide the reason why I am here. Big Bass, Small Bass, No Bass-- Everyday and Every Time out learn something. What worked and what didn't and why. In the end go enough days and then, Today is the day that it will all come together and the Fish Gods will smile.

twocold

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Re: FD is on the move
« Reply #94 on: May 01, 2019, 05:42:11 AM »

Wonderful! Best of luck have a happy life in your new abode.
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SFL BassHunter

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Re: FD is on the move
« Reply #95 on: May 01, 2019, 09:50:00 AM »

Congrats Lee!!!! It's about damn time!
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PB: 6lbs 5oz / 24.25 inches.
Rods/Reels Dobyns, 13 Fishing, Cabelas Arachnid, Daiwa Tatula CT, Tatula SVTW, Tatula Tactical, Tatula Type R
Florida Bass Fishing

Lee Smith

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Re: FD is on the move
« Reply #96 on: May 01, 2019, 02:17:47 PM »

Congrats Brother!  ~c~  ~c~  ~c~
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BarryFL

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Re: FD is on the move
« Reply #97 on: May 01, 2019, 05:07:25 PM »

Hell yeah, Lee. It's over! Congratulations.

~Barry~

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FD

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Re: FD is on the move
« Reply #98 on: May 01, 2019, 07:30:40 PM »

Thanks guys.

Moving day is the 11th.


Sent from the end of the paved road...
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BarryFL

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Re: FD is on the move
« Reply #99 on: May 01, 2019, 08:19:16 PM »

That's great......



...but when is the house warming fishing party?

~Barry~

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