Pink Fox: its Raining...IN MY HOUSE! :/
- Thread starter pinkfox
- Start date
- Thread starter
- #462
pinkfox
Super Self-Sufficient
according to the neighbors there was a tank so it is very likely a rental tank (however i have asked the inspector to double check) i just didnt even think about it because im so used to seeing a pad/dead spot/leveled spot where a tank would go and the house had no spots like that, nowhere that screamed "something large sat here"
itll aparently cost about $500 for a full propane tank...
im more worried about the water issue than the gas, natural gas was just a bonus because i grew up on natty gas, i think a propane tank might just be more fuss of keeping it full ect...
especially when i can just plug cut a hole in the house and plug the pellet stove in as is lol.
would mean getting an electrician in to wire in an elecrtic water heater if thats the case, but if its gas i was going to replace the heater for an on demand anywho so would have needed someone in to sort that out...
i think on the electric vs gas issue, im not too worried and will see what the inspector says...
but i definatly would have a well dug eventually, mabe i can have a 1000gal storage tank put in and have it filled as nessicary by a water delivery company, as a back up for water untill i can afford a well dug...i think it runs about $80 for 1000 gallons in the area from what im reading (if i could find a comany to deliver water)
prices for the area aparently average $3000-$4000 for a "turn key" well...so id need to do some saving for that lol.
mum keeps telling me to back out now, but i dont want to, and id loose my earnest money as its not something that makes the property "unlivable" because it does officially have water rights.
itll aparently cost about $500 for a full propane tank...
im more worried about the water issue than the gas, natural gas was just a bonus because i grew up on natty gas, i think a propane tank might just be more fuss of keeping it full ect...
especially when i can just plug cut a hole in the house and plug the pellet stove in as is lol.
would mean getting an electrician in to wire in an elecrtic water heater if thats the case, but if its gas i was going to replace the heater for an on demand anywho so would have needed someone in to sort that out...
i think on the electric vs gas issue, im not too worried and will see what the inspector says...
but i definatly would have a well dug eventually, mabe i can have a 1000gal storage tank put in and have it filled as nessicary by a water delivery company, as a back up for water untill i can afford a well dug...i think it runs about $80 for 1000 gallons in the area from what im reading (if i could find a comany to deliver water)
prices for the area aparently average $3000-$4000 for a "turn key" well...so id need to do some saving for that lol.
mum keeps telling me to back out now, but i dont want to, and id loose my earnest money as its not something that makes the property "unlivable" because it does officially have water rights.
TTs Chicks
Almost Self-Reliant
- Joined
- Jul 12, 2008
- Messages
- 703
- Reaction score
- 0
- Points
- 136
I don't have any experience so I can't be any help. Just wanted to pop in and say hi 
If the house is livable, it really is something you have to decide if you can live with til you can get it fixed/changed . . . have you checked with the neighbors about how often or if water has ever been short?
It sounds like it could be fun and it would be yours
If the house is livable, it really is something you have to decide if you can live with til you can get it fixed/changed . . . have you checked with the neighbors about how often or if water has ever been short?It sounds like it could be fun and it would be yours
Your agent sounds a little shaky to me, usually it is the seller's job to make the house ready for inspection. Is someone loaning you the money? if so they are not likely to approve an inspection done without utilities. Heat (AC in some locations) a safe and reasonable dependable water supply, waste (sewer or other), power are minimuns even in the southern rural areas. Some infact have gone crazy about codes and inspections.pinkfox said:
Remember there are other options other than backing out of a deal. I bought a Flipped house out in the piney woods of NC and it was the inspector (paid out my pocket and the house paid in cash) that warned me about codes and code inspections on the local level. Sorry I assumed you know what I mean by a flipped house-a fixer uper bought and fixed up for resale. He gave me a 72 page inspection report with pictures of every defect he found (and even then he didn't find them all) As soon as the deal closed the county tax assesor and the code enforcement officer showed up demanding to inspect the place because no building permits had been issued to the previous owner. My inspector knew this because things he found would not meet code, I gave a copy of the imspector's report to the seller and told them they had the option to bring up to code or I would suptract the cost from the offering price. They bulked a bit till I told them that not only would I walk away but I would turn over their names and the inspection report over to the code enforcment people (there are hefty fines for failing to get building permits, thats how they keep their property tax bases up to date)
If the deal falls thru because of seller' failure to perform, you should get your deposit back, it is supposed to keep you from backing out for no good reason.
If you do go with propane you might be suprized at how low the tank rental is. Propane dealers will take a loss on rent in order to get a captive customer. BTW if you can swing the cost get the tank filled during the summer last year prices doubled during the winter. I use a budget plan where I pay the same price summer and winter I know what my monthly bill is going to be and I don't have to worry about running out since the driver checks the level every
time he is in the neighborhood. Most charge a delivery charge if they have to make a special delivery and with gasoline and desel prices high the charges are steep. Route delivery charges like mine are much more reasonable since the gas expenses are spread over the whole route. I also made a point of going with the same propane dealer as my neighbors,
good luck I haven't read much of your thread but I think I know some of the problems you are dealing with.
- Thread starter
- #465
pinkfox
Super Self-Sufficient
the house is an FHA insured property (no repair escrow) and meets all requirments for fha lending which im pre-apporved for.
the inspection is 100% for MY personal peace of mind, its not needed for state and its not needed for the loan, while the properlty meets the basic living conditions required by the fha/hud, theres still small issues that could be hidden, all fha insured means is that the house passes fha minimum housing requirment, the fact that theres NO repair excrow means in its current condition according to the fha i could move in and not have to do any work.
(fha insured with escrow they will list items needing work to meet those live in standards, but repairs would cost UNDER $5000, this house has NO repair escrow and is insured...meaning there no repair needed at all (at least according to fha)
a house with more than $5000 needed in work needs to be financed under a 203K (rehab) loan with fha...
theres 2 reasons my agent is the one doing all the leg work.
1 the house is in TN and im in CT, kind of a long drive to go down there eveyr week to get things turned on and off...
2 the house, being a HUD home (owned by govt) it is required that the AGENT (not the buyer) is the one that has to handle all utilities being turned on and off, contacting the asset managers to do all this ect...
i have to pay for nay costs incured (ie putting in a new eletric meter box to turn the electric on) but the agent is the one that has to take care of contacting the aset manamgnet company to get permission to turn everything on, contacting responsible utilities to get everythign turned on and being present onsite during utilities being turned on/off and any inspections.
even if i could be there in tn for all of this, legally according to HUD i cannot contact utilities ect to arrange any of this, my agent (or thier agent) has to.
im finding out this process is VERY VERY different from buying an owner owned or even bank owned home, lots of odd little rules, and things to get caught up on.
because its hud its also sold "as is" being that its fha theres somethings hud will cover in excrow if it turned up on my inspection (ie, if the well pump was missing and fha didnt catch it under their inspection, thats something HUD will usually make allownaces for in an escrow account (because it should have been recorded on the fha as a "repair escrow" item...and its not)
however in terms of the missing propane tank, or not having a well only a spring (and aparently a spring is considered an active and reliable water source under fha financing rules) as long as it has a water source, hud wont do anything to ammend any potential issues in the future (ie paying for my well to be dug because the spring "MIGHT" dry up ect...)
considering however im getting this house for under 1/2 its market value, and the monthly mortgage will be less than i pay for rent here in ct at my parents house, im pretty sure i can handle a few things that will need to be improved upon as we go lol.
buying outright in cash is NOT going to happen, im on a very limited income and my rent to my parents eats most of it...
yes i pay my parents rent, its almost tripple what the house mortgage will be, and its still VERY cheap for Connecticut...so by buying the house i will be saving alot of money in the long run even with additional costs of home owners insurance ect...
if i was ever doing this all again though, i dont think ill ever deal with a hud house, hud tries to market to low income folks and first time buyers...but the process is SOOOO intense that its no wonder the majority of hud homes sit on the market untill a contractor takes them up
the process is so difficult and even offputting that as a first time buyer i dont think id ever reccomend buying a hud home to another first timer...its insane.
as a side note, i did some reserch, and buying a water storage tanks going to set me back about 1/4 of the cost it would be to have a deep well dug...so i think ill just deal with it untill i can afford the well rather than buying a tank and having water hauled.
-----
today brought another issue wth it...
planned parenthood and not answering thier phones...
im on the deppo-provera shot for some issues i have going on (pcos and other stuffs) been on it for a LONG time now...no issues...
but since loosing my health insurance ive been getting my shot at planned parenthood...it works out well, more affordable ect...
but everytime i clal to book an apointment...its like telephone tag.
today for example...office hours are 11am-6pm...so at 11:30 i called...the answer machine picks up "the office is currently CLOSED, please call back during our normal buisness hours of 11am-6pm...
umm its 11:30am...your supposed to be OPEN...
theres not even an answering machien where i can leave a message...
its now 12:15 and their answer phone still says there closed and to call back during normal business hours...WTF? i just need someone to jab me with a needle folks...for goodness sake!
the inspection is 100% for MY personal peace of mind, its not needed for state and its not needed for the loan, while the properlty meets the basic living conditions required by the fha/hud, theres still small issues that could be hidden, all fha insured means is that the house passes fha minimum housing requirment, the fact that theres NO repair excrow means in its current condition according to the fha i could move in and not have to do any work.
(fha insured with escrow they will list items needing work to meet those live in standards, but repairs would cost UNDER $5000, this house has NO repair escrow and is insured...meaning there no repair needed at all (at least according to fha)
a house with more than $5000 needed in work needs to be financed under a 203K (rehab) loan with fha...
theres 2 reasons my agent is the one doing all the leg work.
1 the house is in TN and im in CT, kind of a long drive to go down there eveyr week to get things turned on and off...
2 the house, being a HUD home (owned by govt) it is required that the AGENT (not the buyer) is the one that has to handle all utilities being turned on and off, contacting the asset managers to do all this ect...
i have to pay for nay costs incured (ie putting in a new eletric meter box to turn the electric on) but the agent is the one that has to take care of contacting the aset manamgnet company to get permission to turn everything on, contacting responsible utilities to get everythign turned on and being present onsite during utilities being turned on/off and any inspections.
even if i could be there in tn for all of this, legally according to HUD i cannot contact utilities ect to arrange any of this, my agent (or thier agent) has to.
im finding out this process is VERY VERY different from buying an owner owned or even bank owned home, lots of odd little rules, and things to get caught up on.
because its hud its also sold "as is" being that its fha theres somethings hud will cover in excrow if it turned up on my inspection (ie, if the well pump was missing and fha didnt catch it under their inspection, thats something HUD will usually make allownaces for in an escrow account (because it should have been recorded on the fha as a "repair escrow" item...and its not)
however in terms of the missing propane tank, or not having a well only a spring (and aparently a spring is considered an active and reliable water source under fha financing rules) as long as it has a water source, hud wont do anything to ammend any potential issues in the future (ie paying for my well to be dug because the spring "MIGHT" dry up ect...)
considering however im getting this house for under 1/2 its market value, and the monthly mortgage will be less than i pay for rent here in ct at my parents house, im pretty sure i can handle a few things that will need to be improved upon as we go lol.
buying outright in cash is NOT going to happen, im on a very limited income and my rent to my parents eats most of it...
yes i pay my parents rent, its almost tripple what the house mortgage will be, and its still VERY cheap for Connecticut...so by buying the house i will be saving alot of money in the long run even with additional costs of home owners insurance ect...
if i was ever doing this all again though, i dont think ill ever deal with a hud house, hud tries to market to low income folks and first time buyers...but the process is SOOOO intense that its no wonder the majority of hud homes sit on the market untill a contractor takes them up
the process is so difficult and even offputting that as a first time buyer i dont think id ever reccomend buying a hud home to another first timer...its insane.
as a side note, i did some reserch, and buying a water storage tanks going to set me back about 1/4 of the cost it would be to have a deep well dug...so i think ill just deal with it untill i can afford the well rather than buying a tank and having water hauled.
-----
today brought another issue wth it...
planned parenthood and not answering thier phones...
im on the deppo-provera shot for some issues i have going on (pcos and other stuffs) been on it for a LONG time now...no issues...
but since loosing my health insurance ive been getting my shot at planned parenthood...it works out well, more affordable ect...
but everytime i clal to book an apointment...its like telephone tag.
today for example...office hours are 11am-6pm...so at 11:30 i called...the answer machine picks up "the office is currently CLOSED, please call back during our normal buisness hours of 11am-6pm...
umm its 11:30am...your supposed to be OPEN...
theres not even an answering machien where i can leave a message...
its now 12:15 and their answer phone still says there closed and to call back during normal business hours...WTF? i just need someone to jab me with a needle folks...for goodness sake!
- Thread starter
- #467
pinkfox
Super Self-Sufficient
im thinkingso too, i chcked with fha and they said being te property is fha insured it shoudlt cause any issues at all.
called the electric company to get everyhing on at the house so i can get this all done...and nd out its going to cost me $280 to get it turned on
the good news is all but $25 of it is 100% refundable...but still *OUCH!*
plus the cost of the inspector, plus a plumbers going to come out wiht the inspector to make sure the spring pump is working right and turn all the piping to the house on (its been winterized) thankfully because its june i dont need to pay another $150 to RE-winterize it lol.
ok folks, never buy a house...its just a leson in how to go completly insane in less than 1 month!
i mean i wasnt that far off to begin with, but still!
if this house falls through that it, im just going to buy land and build my own house! stick by stick!
---
on the planned parenthood front, i finally got through to the office, at 12:30...yup an hour and a half after they supposedly open.
ok yay...
then today i get a bll from planned parenthood for my last visit (yearly and shot) that states my insurance hasnt covered the costs...*blink blink* called my insurance and they said "well your covered, theres no reason weve not paid, check they have the right number and have them re-submit..."
so i call the number on the bill...
dial tone...dials numbers...then NOTHING, the phone instead of ringing out just goes from the sound of dialing numbers to Nothingness, the screen says talk, the phone says im connected to something...but theres nothing on the other end...
i called 3 other numbers before this and 2 after and everythings working normally...
what the heck is going on with these people...if they want their money they have to give me a contact number that works!
called the electric company to get everyhing on at the house so i can get this all done...and nd out its going to cost me $280 to get it turned on
the good news is all but $25 of it is 100% refundable...but still *OUCH!*
plus the cost of the inspector, plus a plumbers going to come out wiht the inspector to make sure the spring pump is working right and turn all the piping to the house on (its been winterized) thankfully because its june i dont need to pay another $150 to RE-winterize it lol.
ok folks, never buy a house...its just a leson in how to go completly insane in less than 1 month!
i mean i wasnt that far off to begin with, but still!
if this house falls through that it, im just going to buy land and build my own house! stick by stick!
---
on the planned parenthood front, i finally got through to the office, at 12:30...yup an hour and a half after they supposedly open.
ok yay...
then today i get a bll from planned parenthood for my last visit (yearly and shot) that states my insurance hasnt covered the costs...*blink blink* called my insurance and they said "well your covered, theres no reason weve not paid, check they have the right number and have them re-submit..."
so i call the number on the bill...
dial tone...dials numbers...then NOTHING, the phone instead of ringing out just goes from the sound of dialing numbers to Nothingness, the screen says talk, the phone says im connected to something...but theres nothing on the other end...
i called 3 other numbers before this and 2 after and everythings working normally...
what the heck is going on with these people...if they want their money they have to give me a contact number that works!
- Thread starter
- #468
pinkfox
Super Self-Sufficient
*giggle*
watching horror movies on chiller tonight to keep me side tracked...
TV: knock knock knock "HELLO?"
Jack Jack: (a parrot) "oooo" (excited) "hi!"
TV: HELLO!?"
Jack Jack: "Helloooooo?"
TV: "anyone here?"
Jack Jack: "Hi jack jack"
TV: "Helloooo?"
Jack Jack: "WHAT!?!"
you could hear him getting furstrated too..
it was as if he was saying , yeah?! i said hello, im right here what ya want?!
this whole thing was then followed by the killer comming through the door behind the poor about to be killed person...
which is of course acompanied by the creepy music...
which was met with an "UH OH!" from jack
LMAO. hes such a crazy bird!
Jack Jack is a 9 month old sever macaw, a species not known for thier talking ability in general, but the few who do talk dont usually start untill about 12months old)
but jack jack is an "early bloomer"
he started saying basics (hi, hello and jack jack (he named himself, i called him jack, but hes not happy unless theres at least 2 jacks in the sentence lol)) at only 6 months old and s now building up quite the repetoir...
his latest favorates are "uh Oh" and "What?"
hes working on what ya doing? but right now it comes out as What a do
LOL.
he says lots of little things as wel as clucking like a chicken, barking like a dog, growling, hissing, and making monkey sounds...hes also got my lough down to a science lol.
he gets chatty at night, usually around 9pm and he'll chatter until bedtime and some of the things he comes out with just make me smile...
but when he actually responds to stimuli correctly (talking to the tv), it just makes me laugh out loud!
silly little parrot!
now if only i could figure out an easier way of keeping his claws from becomming flesh removing tools wed be all good...
he doesnt like the texture of the sandy perches (and likes to eat them) so i have to clip and dremmel his nails to keep them "human safe", but its sooo difficult to do alone, he is a toddler afterall lol
watching horror movies on chiller tonight to keep me side tracked...
TV: knock knock knock "HELLO?"
Jack Jack: (a parrot) "oooo" (excited) "hi!"
TV: HELLO!?"
Jack Jack: "Helloooooo?"
TV: "anyone here?"
Jack Jack: "Hi jack jack"
TV: "Helloooo?"
Jack Jack: "WHAT!?!"
you could hear him getting furstrated too..
it was as if he was saying , yeah?! i said hello, im right here what ya want?!
this whole thing was then followed by the killer comming through the door behind the poor about to be killed person...
which is of course acompanied by the creepy music...
which was met with an "UH OH!" from jack
LMAO. hes such a crazy bird!
Jack Jack is a 9 month old sever macaw, a species not known for thier talking ability in general, but the few who do talk dont usually start untill about 12months old)
but jack jack is an "early bloomer"
he started saying basics (hi, hello and jack jack (he named himself, i called him jack, but hes not happy unless theres at least 2 jacks in the sentence lol)) at only 6 months old and s now building up quite the repetoir...
his latest favorates are "uh Oh" and "What?"
hes working on what ya doing? but right now it comes out as What a do
LOL.
he says lots of little things as wel as clucking like a chicken, barking like a dog, growling, hissing, and making monkey sounds...hes also got my lough down to a science lol.
he gets chatty at night, usually around 9pm and he'll chatter until bedtime and some of the things he comes out with just make me smile...
but when he actually responds to stimuli correctly (talking to the tv), it just makes me laugh out loud!
silly little parrot!
now if only i could figure out an easier way of keeping his claws from becomming flesh removing tools wed be all good...
he doesnt like the texture of the sandy perches (and likes to eat them) so i have to clip and dremmel his nails to keep them "human safe", but its sooo difficult to do alone, he is a toddler afterall lol
i_am2bz
Lovin' The Homestead
I dated a guy who had a gray parrot who did crazy things like that. If the doorbell rang, he'd say, "who's there?" He could imitate the dog (Sandy) barking. He'd drive the dog crazy by saying, "Wanna go outside, Sandy? Come here, Sandy!" He could also imitate the phone ringing, then answer it himself "Hello? Hello?"
What a riot!
