First off sorry I can't be around that often but it's hard to post from the PE field and at home I just don't have that much time online. and damn, I just feel like you either commit to UF or you don't.. so hope the occasional popins aren't too annoying to the OG's.. i do miss you guys though, in many ways.
but my question: my house seems to be literally falling down around me. a few years ago we had the house painted and the painters convinced us to take the gutters down.. "look around at the other houses in the neighborhood, do you see many gutters?" we didn't so they took them down.
well now my 1940's built bungalow in a historic district is crumbling.. damn near literally, from water damage (water just flows off the side of the house on to the window frames) and probably termites (either old or new damage).. 80% of my windows, and we have around 20, have cracks around the frames, inside and out. spent $1200 (yes, i probably got suckered) a few months ago getting one of them fixed and .. well.. and it sucks. got a side door that the last time i opened it, just came off the hinges from rotted wood. would probably be 20K+ to get it all fixed, which we don't have and would probably put us upside down on the house.. there are probably also mold issues now. mo, over the last month, has developed a pretty nasty mostly-at-night cough.. it's either mold, dust, or the fact that his guinea pig now lives inside the house instead of out on the porch at his mom's old apartment. (we know he's allergic to cats already.)
so i wanna get out of the house. we could put it on the market and POSSIBLY break even, but I doubt it with all this shit wrong with it. it certainly wouldn't pass FHA inspection. it's not a bad house. 3/1, almost 1700 sf.. hardwood floors.. blah blah. but it's falling apart. also just tired of this neighborhood and wondering if the hood is gonna come two streets over and take all my stuff. garage and cars been broken into several times.
do I just stop making payments? and if so, what are the consequences?
we would like to get a house, probably in tampa, but certainly don't have 20% cash to put down.
try and borrow the cash from a relative, buy one, and then just let the bank have this motherfucker?
you folks have always been a great resource. thanks in advance.
but my question: my house seems to be literally falling down around me. a few years ago we had the house painted and the painters convinced us to take the gutters down.. "look around at the other houses in the neighborhood, do you see many gutters?" we didn't so they took them down.
well now my 1940's built bungalow in a historic district is crumbling.. damn near literally, from water damage (water just flows off the side of the house on to the window frames) and probably termites (either old or new damage).. 80% of my windows, and we have around 20, have cracks around the frames, inside and out. spent $1200 (yes, i probably got suckered) a few months ago getting one of them fixed and .. well.. and it sucks. got a side door that the last time i opened it, just came off the hinges from rotted wood. would probably be 20K+ to get it all fixed, which we don't have and would probably put us upside down on the house.. there are probably also mold issues now. mo, over the last month, has developed a pretty nasty mostly-at-night cough.. it's either mold, dust, or the fact that his guinea pig now lives inside the house instead of out on the porch at his mom's old apartment. (we know he's allergic to cats already.)
so i wanna get out of the house. we could put it on the market and POSSIBLY break even, but I doubt it with all this shit wrong with it. it certainly wouldn't pass FHA inspection. it's not a bad house. 3/1, almost 1700 sf.. hardwood floors.. blah blah. but it's falling apart. also just tired of this neighborhood and wondering if the hood is gonna come two streets over and take all my stuff. garage and cars been broken into several times.
do I just stop making payments? and if so, what are the consequences?
we would like to get a house, probably in tampa, but certainly don't have 20% cash to put down.
try and borrow the cash from a relative, buy one, and then just let the bank have this motherfucker?
you folks have always been a great resource. thanks in advance.