u/Alyshock18

I know getting approved and being comfortable with the income is very different but my real income is higher than what my LO is calculating. The house we love is 265k, I have a salary job that is 65k. My LO is only using that income to qualify me.

Thing is, and I’ve explained this to him, is I work other contract jobs/self employment that bring in an extra $2000/mo or ~$24,000/year (I’m being conservative with these numbers, some months are $10,000). But one job I haven’t had for long enough, and the other is self employment with a bunch of write offs every year.

So my real income is closer to $90k minimum, but we aren’t using that. My LO seems to think I can get approved on the 65k salary.

We have $55,000 liquid, we only want to put the minimum down to save money for repairs, (3%) but we can put more down if needed, but then no emergency fund.

Do you guys think I can get approved for the 265k house using a 65k salary?

Apologies bc I’m sure this question gets asked a lot, but what’s the best beach/waterfront to watch a night launch from? There’s one scheduled tonight for 10:25pm and we’d love to watch on the sand, but want to make sure we don’t go to a beach that closes early. Any recommendations?

Was thinking Cherie Down park? Or maybe one of the launch viewing pull-over spots on 528?

Thanks for your input, much gratitude :)

Purchase price: $265,000 Downpayment: $7950 - 3% (1% from us, 2% from lender) Liquid/Emergency fund: $50,000 Seller to pay all our closing costs so our cash to close is only ~$5000

We’d rather do a lower downpayment and keep a good emergency fund since we’re moving states and only my job is remote/moving with us, my partner will need to find a new job there and we’re not using his income to qualify. So we want to keep some money in the bank in case I ever need help with the mortgage while he’s job hunting.

Here’s my numbers: My salary job pays me $65,000 a year, BUT I have 2 1099 contracts that pay me an extra $1200-$2500 every month. One of them I’ve had for 6 years and is very secure and stable.

Here’s the important bit: my lender is only using the $65,000 to qualify us. He seems confident I will get approved but I’m personally worried. I have tax returns on my 1099s so I imagine we could use it later if needed? But I’m unsure why we aren’t currently.

Do you think we’ll get approved for a $265,000 house on only a $65,000 salary being used?

And do you think my more realistic income of about ~$83,000/yr or ~$6,000/mo (assuming $1500 a month in 1099 work added to my salary) will be enough for a $2100 mortgage PITI + ~$400 utilities + $370 car payment + living expenses

Any advice please and thank you so much 🥹🫶🏼❤️

Last Friday I was sure I was getting 2 job offers. Now they’ve both gone silent.

They both really seemed to like me. Job 1 even said that they had stopped applications but then I applied and they rushed my process along because they liked me so much (I had 3 interviews in 2 days). They also desperately wanted someone to start next/this week. It was a question many times, if I could start this week, since they wanted someone onboarded for an event the following week. I told them yes, I could. And they said I’d hear back by the end of the day.

The other job I was less confident in but was still a finalist and the hiring manager seemed to really like me. But they also told me I’d hear back by the end of last week and I didn’t.

Well obviously Friday came and went. So Monday goes by and I send a follow up email around noon, just stating my continued interest and asking if they need any more information or have any updates. Still silence from both of them!

I have continued applying elsewhere, and I know I shouldn’t have gotten my hopes up, but I did and now I just want an answer- even if I already know the outcome. On the other hand, it could be hangups with HR or paperwork or literally anything.

So do I send another follow up email today (Wednesday)?

TL;DR Both jobs told me (one on Wednesday and one on Friday) that I would hear an answer either way by end of day Friday. I didn’t. I sent a follow up Monday, silence. Do I send another follow up?

I see a lot of posts here where every job is $100k+ and I honestly just can’t imagine making that or making that multiple times. Now keeping in mind, I’m only a few years into my career and in a not-profitable field (literally, nonprofit work), and I’m wondering if OE is right for me. I could really use the money.

I was recently offered a few jobs, all remote. 3/4 are part time so maybe this doesn’t even qualify as OE, so apologies if it doesn’t, but I’d still appreciate advice from a group of people who knows how to juggle different jobs.

J1: I already accepted, $24/hour part time 20-29 hours a week. Only one 30 minute meeting a week, can mostly choose my own hours.

J2: contracted role, only $17/hour week for 10 hours, I choose my own hours completely.

J3: part time $45,000 salary for 20 hours week.

J4: full time $67,500 manger position, most hands on of all bc it’s a standard 9-5. Of all the jobs, this I don’t choose my hours so any other job I do will overlap this one.

Also important to note, J3 & J4 will likely require international travel at some point, but should not be longer than a week.

Any advice as someone new to multiple jobs? Thanks so much in advance.

I am lucky enough to be offered a few jobs, after a hellish job search, and need help deciding which to choose. I work in nonprofit development.

Job 1: I already accepted, $24/hour part time 20-29 hours a week. I really like the people and the cause, but no PTO or paid sick time. But hours and schedule are flexible.

Job 2: contracted role, only $17/hour week for 10 hours, but I choose my own hours whenever. It’s a social media and marketing role so I work fully autonomously. I already really admire the cause.

Job 3: part time $45,000 salary director position for 20 hours week. Honestly feel over my head with this bc of the title. Has the opportunity to grow into the Executive Director position which would be full time and a lot more money, when more funding is secured (had their biggest revenue source cut with USAID). Has PTO and paid sick time, full benefits. International travel (a PLUS for me!)

Job 4: full time $67,500 manger position. I feel more comfortable in this role having someone above me guide me as I’m still a mid level professional. Has PTO and paid sick time, full benefits, and domestic and international travel. I really like the people, even if a little disconnected from the mission (I definitely see the value of the organization! Just has not been my niche) and I feel most confident in this role’s duties.

Originally I was only planning to take a part time role since I do freelance stuff on the side and honestly after this hellish job search the last 6 months, lost faith in myself that I even could land a salary job. I feel very fortunate, but now I’m unsure what to do.

I do feel guilty to be leaving the first job that took a chance on me and their mission is amazing, but the pays I’m being offered elsewhere are much better, and while I could survive on the first two offers, I wouldn’t be saving at all. I was originally wondering if I could work two/multiple jobs, but need some input.

TL;DR Multiple part time jobs vs one full time? Opportunity to grow vs better current offer? Etc?