r/Spokane

Hey everyone!

I'm a single guy who makes $87k a year and just got entirely out of debt a few weeks ago. Because all of my cash went toward wiping out that debt, I currently have $0 in dedicated savings, though I am aggressively working my way up to a 3-to-6 month emergency fund right now. I also just turned 30, been living in Spokane my entire life.

Here's where my mind is when it comes to ownership, and please correct me if I'm wrong because this could be ignorance and I truly am looking for guidance.

I feel like it's a better move for me to find a modest home to buy right now rather than hop into apartment living and throw a bunch of money away on rent while waiting another 2 to 3 years to save up a down payment.

My details:

• Income: $87k/year
• Debt: $0
• Credit Score: 800
• Savings: $0 (Building emergency fund first)

I'm not too familiar with the programs out there. I know there are FHA and conventional low-down-payment options, and I’ve heard rumors about state-specific down payment assistance (DPA) programs, but I don't know how they realistically play out for someone in my shoes.

With an 800 credit score, an $87k income, and no debt, what are my best options? Is it crazy to try to buy with no down payment saved if I can leverage assistance programs, or should I hold off, rent cheaply, and build a massive cash cushion first?

I would love some guidance and insights from anyone who has used these programs or recently bought in a similar situation Looking forward to learning from people who've been in my shoes.

Thanks everyone!!

https://preview.redd.it/37zzlgz10f2h1.png?width=2000&format=png&auto=webp&s=f0dfd38b595f62f8a9a30af94b8eaaec49ab3480

ICE agents ‘came out aggressive,’ one said, at a protest to defend legal immigrants from deportation. Also, one misgendered a protester so much the judge recessed court.
https://www.rangemedia.co/the-trial-of-the-spokane-3-day-3-emotions-went-high-today/

Called and voiced my concerns over the 1.7 billion slush fund. The young man who answered the phone could only read to me what Baumgartener told reporters and had no idea what else to say about it. When I questioned him, he became belligerent and wanted to let me know how wrong I was as opposed to just documenting my comments to pass on. It was unprofessional and pathetic.

Hi all, I was wondering if anyone knows any good places to forage/collect/harvest spruce tips?

Or just any general spots for finding cool plants/herbs/mushrooms... Any help would be appreciated. My heart yearns for spring/summertime harvesting!

Thanks in advance! 🌿

I just got my car repaired after an accident and I can’t go through a brush car wash for 3 months. Does anyone know of any hand-washes, company or independent, that I could utilize for a bit? TIA

Or anywhere I could get some super good medium sized French loaves to make my own? I need that bread in my life.

Hello all,

Yes I did a search. I've also posted in the past. Recommendations mostly were for Jones sprinklers. We've found their quote is just too expensive though the customer service is top notch.

​We had a quote we liked from a smaller outfit but communication was very poor even though they came highly recommended, and we couldn't move forward.

Does anyone have any solo/two man outfits that they can recommend so the cost isn't subsidizing a fleet of vehicles and CRM software, who communicate well and do their best to keep to the appointments they've scheduled weeks in advance? (Yeah that's been an issue).

Thanks in advance.

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Time for my "old man yells at clouds moment."

Running along the appleway trail, there are patches of gravel that deviate from the pavement, making a nice side path to change up the hard texture for something softer.

Some shit for brains electric dirt bikers have been doing donuts in every patch of gravel, and leaving them full of treacherous deep grooves and valleys. Perfectly invisible in the evening light, this makes a gnarly booby trap for rolling ankles in.

My ankle and knee are enraged. I hope that whatever other shit for brains that keeps smashing glass bottles on the trail shreds the "E-Bike" tires before it gets cleaned up.

I need the best restaurant (high-ish end or something random kitsch) that has a resplendent or... Noteworthy? Carrot cake dessert... Anything?

Or... Nominees for epic dinner experiences for birthdays? I go out often, but am finding, even if you relate momentous life events in the reservations, restaurants kinda aren't concerned. Anyone have other experiences?

Every day this week, we’ll be covering the federal trial of the Spokane 3, local protesters charged with conspiracy for protesting ICE detainments on June 11, 2025.

Which thrift stores have the biggest stuffie section? I wanna make some crafts and dog toys! I'll provide update pics and what my full budget ended up being