▲ 186 r/mildyinfuriating
So after a year the price doesn't go up... you just don't get a discount.
So the price does do up. It's kinda what happens to your credit score when you close an account. It's a feature, not a bug.
u/SlothSpeed — 5 days ago
u/SlothSpeed
r/funny r/Mortgages r/HomeMaintenance r/RDR2 r/mildyinfuriating r/WeWantPlates r/askHVAC r/personalfinance
Why would this HVAC duct terminate into a gas chimney chase?
It doesn't have any obvious connection, like it may have fallen off. There's no register on either side of the wall. The exterior wall of the chase is insulated. I'm genuinely puzzled.
u/SlothSpeed — 19 days ago
▲ 4 r/RDR2
Interesting detail at Clawson's Rest.
It's the little cabin north of Valentine where you have to kick the door down only to find two children's corpses. The letter states the mother is leaving the kids locked up with four days worth of food and that she's going to get their money back. The kids eventually die in the cabin, not being able to leave. The only edible thing remaining is ground coffee, which children wouldn't have been interested in.
u/SlothSpeed — 1 month ago
I need some help. How would you guys proceed in this scenario?
My wife and I have a mortgage on our primary residence. We closed in 2020 at 2.5% on $625k but we only own half the home (owe $312,500). The other half belongs to my in-laws, which paid cash ($312,500). We're now buying out their half which is now roughly worth $480k.
We have $250k cash available to work with, plus $50k home equity from paying off our original half over five years
I qualify for a VA loan and ATP (pilot mortgage, similar to a Dr. Mortgage)
I'd like to avoid PMI, but could refi later, esp. if rates are better.
Household income ≈ $350 - 375k/yr.
My timeframe is roughly three months to have this figured out. Financially we can afford this additional mortgage but I need to be smart about it. What would you do in this situation? I've considered:
Use the cash to lower our second mortgage as much as possible. I've also considered investing the cash in JEPQ/similar and using the dividend income for mortgage payments. HELOC? Idk, what route to go with, just looking for some advice. Thanks.
u/SlothSpeed — 3 months ago