The most prestigious law school admissions discussion board in the world.
|
 |
 
|
Homeowners ITT: Your mortgage payment and income plz
Poast new message in this thread
Date: April 9th, 2017 11:20 PM Author: vengeful whorehouse $4000/mo, high 6/low 7 figures (not sustainable) (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33035763) |
 |
Date: April 10th, 2017 4:34 PM Author: umber gaped fat ankles famous landscape painting You are unable to afford $4000 on a million dollars a year? Wtf is wrong with you? (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040824) |
|
Date: April 10th, 2017 4:41 PM Author: diverse indigo site i think what that poaster meant is that the income isn't sustainable, and income in the future is much more likely to be in the 6 figs. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040860) |
Date: April 10th, 2017 12:26 PM Author: Chest-beating rehab reading party $7,500 including $2,500 in co-op maintenance that is 60% tax deductible because it covers property taxes and mortgage interest on the underlying building. Income is just over $25k per month after 401(k) payments. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33038858) |
|
Date: April 10th, 2017 12:27 PM Author: Heady forum athletic conference Mortgage alone is ~2,400 / month, ends up more like $3,300 after all other costs.
If i bought my place now It would be more like $4,500 / month. |
|
Date: April 10th, 2017 12:29 PM Author: Heady forum athletic conference Oh yeah. Income is ~$250k / year. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33038885) |
|
Date: April 10th, 2017 4:40 PM Author: Honey-headed alcoholic turdskin trailer park Holy shit are you my wife this is my situation too (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040851) |
|
Date: April 10th, 2017 9:58 PM Author: Heady forum athletic conference No. I'm not you're fucking wife.
ALso -- I charge my GF $1250 rent. |
|
Date: April 10th, 2017 12:28 PM Author: Arousing Narrow-minded Home Immigrant mortgage is roughly $3,000 / mo. total costs including property taxes, insurance, maintenance is roughly $4,500 / mo. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33038878) |
|
Date: April 10th, 2017 12:29 PM Author: galvanic frum striped hyena hospital About 2100 including escrow and assessments. Nice 3BR 2BA condo in gentrifying area. Mid six figures. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33038886) |
|
Date: April 10th, 2017 12:31 PM Author: crusty ruddy cruise ship brethren ~3300/mo w tax and insurance ~300k HHI |
|
Date: April 10th, 2017 12:31 PM Author: Vivacious gas station what are people paying for HOA? (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33038899) |
|
Date: April 10th, 2017 12:33 PM Author: Heady forum athletic conference (specify home-type and whether taxes incuded or not) (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33038910) |
|
Date: April 10th, 2017 12:33 PM Author: Vivacious gas station SFH, nothing included; just the pleasure of being a part of the community. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33038915) |
|
Date: April 10th, 2017 12:33 PM Author: Racy pozpig 9800; 750k (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33038911) |
|
Date: April 10th, 2017 12:33 PM Author: Arousing Narrow-minded Home Immigrant thats a huge mortgage, wow... (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33038916) |
|
Date: April 10th, 2017 12:36 PM Author: Racy pozpig That's all-in w tax and insurance (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33038931) |
|
Date: April 10th, 2017 12:47 PM Author: irradiated stage queen of the night You're nuts (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33039002) |
|
Date: April 10th, 2017 1:22 PM Author: Provocative sapphire patrolman point JFC don't you live in Texas? How many square feet does that get you? (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33039275) |
|
Date: April 10th, 2017 1:33 PM Author: Appetizing hall I don't know but that is a $2m house. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33039347) |
|
Date: April 10th, 2017 9:57 PM Author: Jet-lagged avocado legal warrant lol at believing what our brother colt tp says about anything. guy is 180 but, lol, just enjoy the posts and try not to think about them too hard. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33043358) |
|
Date: April 10th, 2017 12:36 PM Author: house-broken startling mood circlehead $4500/mo which includes taxes and insurance. Mortgage itself is about $3k/month. Originally it was a $4300/mo mortgage but we paid off $200k when we refi'ed over the summer because we already have too much money in the stock market.
Income is $600k |
|
Date: April 10th, 2017 9:13 PM Author: Wild carmine heaven Did you go to Alaska a couple years ago with your husband?
Asking for a friend. |
|
Date: April 10th, 2017 12:38 PM Author: exhilarant seedy chad corn cake $1200
HHI is $130k gross, probably $95k post tax |
|
Date: April 10th, 2017 12:39 PM Author: trip turquoise regret rigpig Its under 10 percent of pre-tax income. This includes taxes, insurance etc. Also on a 15 year mortgage.
Yes, the house is somehwat crappy. |
|
Date: April 10th, 2017 1:24 PM Author: Provocative sapphire patrolman point (millionaire next door) (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33039295) |
|
Date: April 10th, 2017 4:41 PM Author: Exciting Menage Main People *has fleet of old Econolines*
*most of net worth is in hard-to-sell small business* |
|
Date: April 10th, 2017 12:42 PM Author: Ebony Spectacular Church Building Total monthly payment: $1800 Household income: $250k |
|
Date: April 10th, 2017 12:45 PM Author: irradiated stage queen of the night $1500 (including taxes and ins on a 15 year)
$135K
TBF I have a 60K 2nd mortgage at 3.7% at 1200 mo 5 year fixed. This mortgage is my student debt. |
|
Date: April 10th, 2017 1:11 PM Author: Excitant university idiot $1450/month (including taxes and insurance). HHI is around $175k (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33039180) |
|
Date: April 10th, 2017 1:23 PM Author: ultramarine goal in life nursing home $2200/mo - bout to get fucked with property tax increase though, but may refi soon.
HHI - $200k |
|
Date: April 10th, 2017 1:24 PM Author: Spruce native ITT: people in secondary/tertiary markets. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33039296) |
|
Date: April 10th, 2017 1:27 PM Author: Talented ivory resort boiling water These days that's basically a prerequisite to being a homeowner (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33039311) |
|
Date: April 10th, 2017 1:32 PM Author: Spruce native Fair. Meanwhile I'm looking at like 40% piti/gross income if I want to live in a dump (on a hhi well above 300k) (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33039340) |
|
Date: April 10th, 2017 1:34 PM Author: crusty ruddy cruise ship brethren i watch hgtv episodes of house hunters set in nyc/cali to lol at the lil shitboxes they end up with (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33039354) |
|
Date: April 10th, 2017 1:35 PM Author: Spruce native FUCK YOU (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33039359) |
|
Date: April 10th, 2017 1:39 PM Author: crusty ruddy cruise ship brethren *preemptively lols* (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33039394) |
|
Date: April 10th, 2017 3:49 PM Author: Spruce native *forlornly looks at $1.25m mcmansions in scottsdale for the 5th time this week* (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040499) |
|
Date: April 11th, 2017 12:45 AM Author: salmon razzle-dazzle library (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33044769) |
|
Date: April 11th, 2017 1:07 AM Author: Exciting Menage Main People It's pretty easy to avoid McMansions if you want to.
Ranches:
https://www.zillow.com/homes/for_sale/Maricopa-County-AZ/house_type/7835030_zpid/
https://www.zillow.com/homedetails/2225-E-Montebello-Ave-Phoenix-AZ-85016/7808536_zpid/
Contemporary/Modern:
https://www.zillow.com/homes/for_sale/Maricopa-County-AZ/house_type/7807493_zpid/
https://www.zillow.com/homes/for_sale/Maricopa-County-AZ/house_type/7832735_zpid/
Southwest:
https://www.zillow.com/homes/for_sale/Maricopa-County-AZ/house_type/7805311_zpid/
|
|
Date: April 10th, 2017 4:08 PM Author: Rusted Azn Bbw "Im a teacher and she is a home maker. Our budget is $1.3 million" (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040642) |
|
Date: April 10th, 2017 4:20 PM Author: Spruce native Lol. Yeah, it's be 350k if they hadn't lucked into a million on a house they bought for peanuts 30 years ago. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040732) |
|
Date: April 11th, 2017 12:58 AM Author: Provocative sapphire patrolman point Lol $350k on a teacher's salary? (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33044879) |
|
Date: April 17th, 2017 11:30 AM Author: infuriating mediation party of the first part (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33093273) |
|
Date: April 10th, 2017 9:59 PM Author: Heady forum athletic conference I'm in BigCity USA. It's a fairly small appartment. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33043373) |
|
Date: April 10th, 2017 10:13 PM Author: aggressive milky base boistinker Nope. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33043497) |
|
Date: April 10th, 2017 1:26 PM Author: Appetizing hall I miss not having a mortgage.
Mansion is $4k w/o taxes or insurance, $5500 or so all in. ~$500k. |
|
Date: April 10th, 2017 1:26 PM Author: Provocative sapphire patrolman point How many square feet? (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33039310) |
|
Date: April 10th, 2017 1:28 PM Author: Appetizing hall 10k (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33039319) |
|
Date: April 10th, 2017 3:43 PM Author: Provocative sapphire patrolman point Goddamn. Did you put like $1M down or did you just buy at the right time? (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040465) |
|
Date: April 10th, 2017 3:49 PM Author: Appetizing hall Right time, needed work, got lucky. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040497) |
|
Date: April 10th, 2017 1:26 PM Author: Provocative sapphire patrolman point $1,900. HHI is $120k (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33039308) |
|
Date: April 10th, 2017 1:27 PM Author: vibrant saffron dysfunction marketing idea Mortgage $700. Income $280,000. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33039313) |
|
Date: April 10th, 2017 1:27 PM Author: thriller twinkling pit new version $3500/mo income, mortgage is $700 including escrow for taxes and insurance. Usually pay $900 so I can own it sooner. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33039316) |
|
Date: April 10th, 2017 1:28 PM Author: supple stag film fortuitous meteor do you own a studio apartment? (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33039321) |
|
Date: April 10th, 2017 1:30 PM Author: thriller twinkling pit new version Nope, 4 bed 2 bath with full basement and 2 car garage on an acre in suburban Detroit. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33039331) |
|
Date: April 10th, 2017 1:32 PM Author: supple stag film fortuitous meteor holy fuck (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33039342) |
|
Date: April 10th, 2017 3:59 PM Author: Cracking hairless dilemma (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040568) |
|
Date: April 10th, 2017 4:13 PM Author: thriller twinkling pit new version ? (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040686) |
|
Date: April 10th, 2017 4:14 PM Author: aggressive milky base boistinker (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040704) |
|
Date: April 10th, 2017 4:20 PM Author: Dashing Judgmental Juggernaut Lettuce lol, so miles and miles away from opera and Laotian food (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040735) |
|
Date: April 10th, 2017 4:28 PM Author: thriller twinkling pit new version Far enough from the blacks and immigrants, still a reasonable drive to the Opera |
|
Date: April 10th, 2017 1:38 PM Author: Burgundy naked hell coldplay fan HHI: $850K
Mortgage payment: $0
FYI I am a boomer that bought my 6500 sq ft home in 1973 for $35K |
|
Date: April 10th, 2017 3:47 PM Author: rambunctious death wish can this bort institute a boomer tax (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040490) |
|
Date: April 10th, 2017 6:29 PM Author: Exciting Menage Main People *supports Prop 13* (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33041771) |
|
Date: April 10th, 2017 1:52 PM Author: aquamarine 180 principal's office cuckoldry 5800 including taxes/insurance. Major market burbs. Household income ~$375k. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33039524) |
|
Date: April 10th, 2017 3:49 PM Author: supple stag film fortuitous meteor HHI: 200K Mortage+Taxes+Ins: 3300 |
|
Date: April 10th, 2017 4:00 PM Author: aggressive milky base boistinker HHI: $250-300k+ (depends on wife's salary, my bonus, etc.)
Mortgage: $2k/month including trust acct but of course not including utilities. No HOA, urban rowhouse. |
|
Date: April 10th, 2017 4:01 PM Author: walnut internal respiration locus don't you live in MFH? (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040581) |
|
Date: April 10th, 2017 4:06 PM Author: aggressive milky base boistinker Around MFH, not in. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040617) |
|
Date: April 10th, 2017 4:08 PM Author: walnut internal respiration locus jfc doobs needs to update the database!
i ax because Im surprised your mortgage payment is so low. |
|
Date: April 10th, 2017 4:09 PM Author: aggressive milky base boistinker We had an unrealistically awesome deal fall into our laps, though it meant dealing with the grossest house imaginable. But now it is worth $500-800k, depending on who you believe.
Oh, and that is on a 15 year mortgage. |
|
Date: April 10th, 2017 4:05 PM Author: Rusted Azn Bbw I make $90k morgage with taxes and PMI is $630/month (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040611) |
|
Date: April 10th, 2017 4:10 PM Author: Marvelous Coffee Pot Mortgage is $2900. With association fees and property taxes, comes out to about $4,100 per month.
Household income is probably around $500K. |
|
Date: April 10th, 2017 4:15 PM Author: Rusted Azn Bbw And you share walls to right? Ljl (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040705) |
|
Date: April 10th, 2017 4:18 PM Author: Domesticated swashbuckling center hissy fit How are all you fucks making like $500k/yr?
Single, $160k income, total payment is around $2600 of which $900 is taxes and around $125 is insurance. |
|
Date: April 10th, 2017 4:20 PM Author: umber gaped fat ankles famous landscape painting XO is 0.01% humanity bro. I bet your wife is mediocre too. LJL. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040738) |
|
Date: April 10th, 2017 4:26 PM Author: rambunctious death wish Those are INSANE tax and insurance costs (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040785) |
|
Date: April 10th, 2017 4:35 PM Author: Domesticated swashbuckling center hissy fit They're pretty typical. Live in Texas where taxes are high and house is worth $450k+. And remember, most of that is house value rather than land value so it costs more to insure.
I overleveraged myself a bit going full gangster on this place. It's probably one of the nicest houses anyone owns in this thread and income tax deductions take some of the bite out of the payment and make it a decent overall deal. Now what I wasn't forseeing was that Trump was going to get elected and dick around with the tax code which could wipe out $300+ monthly in deductions for me if his retarded plans are passed. |
|
Date: April 10th, 2017 4:40 PM Author: rambunctious death wish did not realize property taxes were so high in TX .. I pay slightly over half that in taxes in a large city on a condo worth roughly 650k (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040857) |
|
Date: April 11th, 2017 8:35 PM Author: aromatic orchestra pit tattoo TX has no state income tax (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33051507) |
|
Date: April 10th, 2017 6:30 PM Author: cerebral dingle berry school What's about the right ratio for insurance? How much per $100k in house? (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33041777) |
|
Date: April 10th, 2017 6:41 PM Author: Appetizing hall $100 per $100k and $500 to start. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33041857) |
|
Date: April 10th, 2017 7:28 PM Author: cerebral dingle berry school wait, $100 per month or annual (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33042203) |
|
Date: April 10th, 2017 7:30 PM Author: Appetizing hall Annual (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33042221) |
|
Date: April 10th, 2017 7:47 PM Author: cerebral dingle berry school thanks, gonna look into this (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33042342) |
|
Date: April 10th, 2017 7:37 PM Author: house-broken startling mood circlehead We pay $900/year for roughly $350k cost. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33042265) |
|
Date: April 10th, 2017 7:45 PM Author: cerebral dingle berry school i'm getting hosed, gonna look into this shit (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33042319) |
|
Date: April 10th, 2017 7:54 PM Author: Appetizing hall State Farm is the cheapest most places. A lot of it depends on the house and where it is. Also, it usually makes sense to get a high deductible as it really cuts the cost down. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33042390) |
|
Date: April 10th, 2017 7:54 PM Author: Appetizing hall $500 to start and $100 per 100k. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33042394) |
|
Date: April 10th, 2017 4:19 PM Author: umber gaped fat ankles famous landscape painting No mortgage because home is paid off. Property taxes and insurance are like $600/month. Income 105k. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040730) |
|
Date: April 10th, 2017 4:20 PM Author: diverse indigo site mortgage is $2500/mo. HHI is $350k/year. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040733) |
|
Date: April 10th, 2017 4:25 PM Author: rambunctious death wish roughly $3600 all in w. taxes and condo fee (condo fee $200/month)
$250k annual HHI |
|
Date: April 10th, 2017 4:39 PM Author: Exciting Menage Main People $1,798 (PITI+HOA)
Income: ~$30,000
|
|
Date: April 10th, 2017 4:51 PM Author: Rusted Azn Bbw Living on the edge (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33040916) |
|
Date: April 10th, 2017 6:29 PM Author: Exciting Menage Main People Bought it when I was making $125k.
I rent it out now and live in an apartment. |
|
Date: April 10th, 2017 6:31 PM Author: Domesticated swashbuckling center hissy fit Describe the 125k -> 30k downfall. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33041785) |
|
Date: April 11th, 2017 12:46 AM Author: Exciting Menage Main People Work dried up.
Got laid off as an old-ass senior associate.
No one wants me now. |
|
Date: April 10th, 2017 7:42 PM Author: vermilion knife How come you make less now? (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33042296) |
|
Date: April 11th, 2017 12:47 AM Author: Exciting Menage Main People Barely have a job. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33044795) |
|
Date: April 11th, 2017 1:55 AM Author: glittery address Are you hot? Poast pic? (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33045196) |
|
Date: April 12th, 2017 3:29 AM Author: Exciting Menage Main People Not hot. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33054669) |
|
Date: April 10th, 2017 9:09 PM Author: boyish masturbator hairy legs What happened bro? Aren't you a PHX lawyer? How can you possibly be making only $30k? (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33042949) |
|
Date: April 10th, 2017 10:17 PM Author: Provocative sapphire patrolman point (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33043529) |
|
Date: April 11th, 2017 12:48 AM Author: Exciting Menage Main People I don't have a job.
That's my income from some cases referred by friends and acquaintances. |
|
Date: April 11th, 2017 12:52 AM Author: salmon razzle-dazzle library There's tons of insurance companies that will hire you to be a field counsel. Pays 70K+ in phoenix. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33044820) |
|
Date: April 11th, 2017 12:53 AM Author: Exciting Menage Main People Sounds like pure hell.
I've litigated against captive firms on occasion. Most of their lawyers are morons, and everything they do is shit. |
|
Date: April 11th, 2017 12:54 AM Author: salmon razzle-dazzle library fock (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33044848) |
|
Date: April 11th, 2017 12:56 AM Author: Exciting Menage Main People I'm in a holding pattern until I decide whether to actually make an effort as a solo or get out of law. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33044857) |
|
Date: April 11th, 2017 12:57 AM Author: salmon razzle-dazzle library understandable (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33044870) |
|
Date: April 11th, 2017 12:59 AM Author: salmon razzle-dazzle library Have you found me a house in Scottsdale or PV yet? (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33044892) |
|
Date: April 11th, 2017 1:08 AM Author: Exciting Menage Main People Budget?
Preferences? |
|
Date: April 11th, 2017 1:13 AM Author: salmon razzle-dazzle library $400k max, prefer to stay around $300k.
2000+ Square feet.
Single family, no townhomes or condos.
Prefer newer construction. |
|
Date: April 11th, 2017 1:14 AM Author: Exciting Menage Main People Where would you be commuting to?
How long of a commute is tolerable? |
|
Date: April 11th, 2017 1:30 AM Author: salmon razzle-dazzle library commuting to north phoenix, just north of the 101.
20-25 minutes is reasonable. My commute now in Boston is 40 minutes and it sux ass |
|
Date: April 11th, 2017 1:54 AM Author: Exciting Menage Main People Getting closer to the 300s is a bit tricky, but 400 is easy.
1 https://www.zillow.com/homes/for_sale/Maricopa-County-AZ/house_type/2129364016_zpid/ (shit photography)
2 https://www.zillow.com/homes/for_sale/Maricopa-County-AZ/house_type/8031423_zpid/
3 https://www.zillow.com/homes/for_sale/Maricopa-County-AZ/house_type/8017551_zpid/
4 https://www.zillow.com/homes/for_sale/Maricopa-County-AZ/house_type/7992296_zpid/
5 https://www.zillow.com/homes/for_sale/Maricopa-County-AZ/house_type/7988231_zpid/
6 https://www.zillow.com/homes/for_sale/Maricopa-County-AZ/house_type/8061893_zpid/
7 https://www.zillow.com/homes/for_sale/Maricopa-County-AZ/house_type/7982929_zpid/
8 https://www.zillow.com/homes/for_sale/Maricopa-County-AZ/house_type/7985460_zpid
You could go more on the west side and get a lot more for your money, but I don't like it over there as much.
9 https://www.zillow.com/homes/for_sale/Maricopa-County-AZ/house_type/7926669_zpid/
10 https://www.zillow.com/homes/for_sale/Maricopa-County-AZ/house_type/7888462_zpid/ |
|
Date: April 11th, 2017 7:14 PM Author: salmon razzle-dazzle library Holy shit this is awesome. I haven't looked at all of them yet, but I really like that last one. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33050789) |
|
Date: April 11th, 2017 8:32 PM Author: Exciting Menage Main People Here's the north end of the Valley: http://i.xomf.com/sndjy.jpg
Given your criteria, I'd primarily focus on the green area if you'll be commuting to somewhere near the intersection of the 51 and 101.
The green area is Northeast Phoenix (but with Scottsdale addresses in the 85254 ZIP) and North Scottsdale. That's where I'd focus your search. The houses will be more expensive there, but its closer to shopping, good schools, has more of the professional crowd, and more of dat preftige -- if that's what you're looking for. It also has better freeway access to downtown and the airport.
The magenta area is more residential and farther from things.
The orange area is in Glendale. Your money will go much farther there, but your commute could take longer (particularly if you're leaving before around 9:00 am), it will be more family focused, and you'll find somewhat fewer professionals, particularly lolyers and people who work in the big professional employment hubs in downtown, midtown, the Camelback/Biltmore area, Scottsdale, and Tempe. (The Southeast Valley is for Mormons, engineers, and related nerds.) |
|
Date: April 11th, 2017 10:21 PM Author: salmon razzle-dazzle library The job is closer to 17 off of the 101 than it is to 51, but I like being around more amenities, not in the middle of nowhere. So the orange and green areas are probably my best bet.
One of the listings said 85254 was the 'magic zip code', why is it so desirable? |
|
Date: April 12th, 2017 2:40 AM Author: Exciting Menage Main People "Magic" overstates things. 85254 is not much different from, for instance, 85260 in Scottsdale immediately nextdoor. But 85254 is a good area.
Almost all of 85254 is in Phoenix, but it has a Scottsdale address. The schools are good there. It's close to the 101 to the north, the 101 to the east, and the 51 to the west. There's good shopping there. There's no significant crime. It's also next to the Airpark area (the area around the Scottsdale airport), which a big employment hub. Some say the property taxes are lower, but Arizona is such a patchwork mess of special tax districts that it's better to just look at the taxes for each house individually (which are available on the assessor's website). With respect to your age criteria, the bulk of the housing there is from the 70s through the mid-90s, so a good portion might be older than you're looking for. Also, this bird lives there: https://goo.gl/2CXc2P
I like the green area in the northeast (it's where I live). But if you want a bigger or cheaper house, you'll do better around the orange area in the northwest. And if you want something new, you'll likely be pretty far out from things. |
|
Date: April 11th, 2017 11:03 PM Author: salmon razzle-dazzle library rate: https://www.pulte.com/homes/arizona/phoenix/phoenix/stetson-valley-209897
https://www.pulte.com/homes/arizona/phoenix/phoenix/la-solana-209303 |
|
Date: April 12th, 2017 3:26 AM Author: Exciting Menage Main People I don't know anything about those particular developments. They would both be considered fairly far away from things. The Norterra area south of La Solana and east of Stetson Valley might be something to look at in terms of a similar neighborhood. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33054661) |
|
Date: April 16th, 2017 10:23 PM Author: salmon razzle-dazzle library Rate:
https://www.homepath.com/listing/4634-e-tierra-buena-ln-phoenix-az-85032-46305221 |
|
Date: April 17th, 2017 11:24 AM Author: salmon razzle-dazzle library (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33093233) |
|
Date: April 11th, 2017 12:49 AM Author: salmon razzle-dazzle library (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33044808) |
|
Date: April 10th, 2017 6:35 PM Author: stimulating roommate chapel ITT: Me rejoicing paying rent (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33041818) |
|
Date: April 10th, 2017 7:40 PM Author: passionate area becky about $9k a month; $900-950k HHI (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33042284) |
|
Date: April 10th, 2017 10:11 PM Author: iridescent quadroon locale Are you a lawmo? (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33043473) |
|
Date: April 11th, 2017 12:36 AM Author: passionate area becky yes. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33044673) |
|
Date: April 11th, 2017 1:57 AM Author: glittery address Solo? (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33045202) |
|
Date: April 10th, 2017 7:45 PM Author: Marvelous Coffee Pot Fuck property tax deductions getting gutted by the AMT. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33042317) |
|
Date: April 10th, 2017 9:07 PM Author: Appetizing hall It sucks although I pay $25k in property taxes so stop complaining. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33042932) |
|
Date: April 10th, 2017 9:05 PM Author: boyish masturbator hairy legs Mortgage (with taxes and insurance): $2600 - bought it for $450k, now worth $600k or so
HHI: $310k
Still feel kinda house poor. |
|
Date: April 10th, 2017 9:10 PM Author: Wild carmine heaven $210K, $2,100 mortgage (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33042954) |
|
Date: April 10th, 2017 9:12 PM Author: boyish masturbator hairy legs xo: the most financially conservative racist chat board in the world. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33042968) |
|
Date: April 10th, 2017 9:13 PM Author: Appetizing hall This is not remotely surprising given the lathaming and the general pessimism that pervades this place. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33042974) |
|
Date: April 10th, 2017 9:14 PM Author: diverse indigo site i assume always that i will be fired. one day this is bound to come true. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33042987) |
|
Date: April 10th, 2017 9:17 PM Author: boyish masturbator hairy legs Could also be generational. I know very few millennials with houses costing more than about double their HHI. Even debt-free millennials. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33043006) |
|
Date: April 10th, 2017 11:16 PM Author: razzle chestnut step-uncle's house clown (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33044101) |
|
Date: April 10th, 2017 9:58 PM Author: flesh tantric den HHI 150k
Note is 1200, Taxes 500, Insurance 100 /month Land Note is another 500 |
|
Date: April 10th, 2017 9:59 PM Author: Poppy fragrant old irish cottage tank HHI - 245K Mortgage/Tax/Etc. Payment - 2,050.00 |
|
Date: April 10th, 2017 10:07 PM Author: mahogany maniacal useless brakes 210 HHI.
2500/month for PITI. |
|
Date: April 10th, 2017 10:09 PM Author: iridescent quadroon locale Around $2,500 including insurance and taxes. I'm a solo so our HHI fluctuates, but in 2016 was $205k.
JFC reading through this thread. XO is one of the few places you can make $200k a year and feel poor. |
|
Date: April 11th, 2017 1:08 AM Author: Wild carmine heaven I think it's one of the few places you can feel really poor and really rich all in the same thread. Locally, I'm known as one of those rich guys @ 210K. LOL I'm constantly asked why I don't practice law. I tell them that 1.) I'm a shitty writer and no one would want me as their attorney. 2.) I have job that pays me more than 99% of attorneys practicing law, and I have great retirement 7% match to 401K as well as a union Pension. Even if I just max it out for the next 20 years, I'll be set for life without doing any side investing at all.
Then I see salaries that are 5 to 8 times greater than my own and feel woefully inadequate. |
|
Date: April 11th, 2017 1:12 AM Author: Exciting Menage Main People What sort of union? (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33044989) |
|
Date: April 11th, 2017 1:32 AM Author: Wild carmine heaven USW -- United Steel Workers (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33045089) |
|
Date: April 12th, 2017 3:30 AM Author: Exciting Menage Main People Can I work steel for six figures? (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33054674) |
|
Date: April 10th, 2017 10:21 PM Author: stimulating roommate chapel Someone please explain like I'm 5 why you're putting so much into your monthly mortgage payment and not using that free cash flow to generate moar money instead of an illiquid asset?
Thank in advance |
|
Date: April 10th, 2017 10:25 PM Author: iridescent quadroon locale Enjoyment of a nice/large house and living in a desirable area. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33043593) |
|
Date: April 10th, 2017 11:18 PM Author: thriller twinkling pit new version my house literally doubled in value from when I bought it 4 years ago. Could easily flip and live off a portion of the profits in a slum apartment until the next market crash and repeat with 2-3 more units easy. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33044118) |
|
Date: April 11th, 2017 8:33 PM Author: irradiated stage queen of the night Sell now, crash is coming. 3 years tops. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33051485) |
|
Date: April 11th, 2017 12:32 AM Author: medicated charismatic lay - tax free capital gains as house increases in value
- mortgage repayments are a form of forced savings
|
|
Date: April 11th, 2017 1:12 AM Author: Wild carmine heaven YOOOOOOLLLLLLLLOOOOOOO (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33044983) |
|
Date: April 11th, 2017 9:08 AM Author: crusty ruddy cruise ship brethren all of the above + huge tax writeoff my 3300/mo PITI is more like 2500/mo with income tax deductions zero chance i could rent a 4 BR for that price in my area and it sure as hell wouldn't come on half an acre with a private backyard |
|
Date: April 10th, 2017 10:22 PM Author: medicated charismatic lay mortgage with taxes (low here) and insurance: about $3500
HHI: high six figures |
|
Date: April 10th, 2017 10:55 PM Author: Blathering beady-eyed business firm factory reset button Around $2000 incl. taxes and insurance. 25 years into a 30 year mortgage. $250k HHI. (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33043866) |
|
Date: April 10th, 2017 11:18 PM Author: razzle chestnut step-uncle's house clown income -- low 200s, not counting investment income
mortgage -- 15 year/2.7K per month, all in with property tax and insurance |
|
Date: April 11th, 2017 12:47 AM Author: unholy garrison keepsake machete 3k, mid 6s (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33044798) |
|
Date: April 11th, 2017 1:59 AM Author: glittery address Lol @ mortgage havers (http://www.autoadmit.com/thread.php?thread_id=3579395&forum_id=2#33045210) |
|
Date: April 17th, 2017 11:32 AM Author: infuriating mediation party of the first part $1250, $90,000/yr
|