05-12-2009, 12:37 PM
28 posts, read
55,864 times
Reputation: 10
Hello everyone, I'm hoping on getting some solid financial feedback from people on the board. Of the other similar posts I have read on here, I've seen a good amount of research and advice from the posters and I'm hoping for more of the same on my current situation.
05-12-2009, 12:59 PM
Location: Las Flores, Orange County, CA
26,329 posts, read
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Reputation: 17831
How much do you owe in credit cards? Student loans?
05-12-2009, 02:31 PM
1,976 posts, read
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Reputation: 2559
Where is the 3 bdrm townhouse? With the way you have financed that and add credit card debt and student loan, I say try to off load some of those if possible before acquiring any new debt.
05-12-2009, 03:07 PM
28 posts, read
55,864 times
Reputation: 10
Combined income of $175K...5 year plan for kids...student loans about $70K between the two of us....credit about 10K...townhouse is in NJ roughly $20K upside down @ $350K...which isn't bad considering we bought in 2006. Beach condo is in Dana Pointe @ $345K with an FHA 3.5% down.
05-12-2009, 07:32 PM
3,853 posts, read
12,863,253 times
Reputation: 2529
Quote:
Originally Posted by
wvspecialkvw
Combined income of $175K...5 year plan for kids...student loans about $70K between the two of us....credit about 10K...townhouse is in NJ roughly $20K upside down @ $350K...which isn't bad considering we bought in 2006. Beach condo is in Dana Pointe @ $345K with an FHA 3.5% down.
If the student loans are low interest rate (like under 5%) just pay the minimum each month. Credit cards pay those off immediately. If you miss a payment the interest rate will jump up very high. Never hold a balance on a credit card.
The townhouse is on a IO fixed rate and you are renting it out for 70% of those payments? What a nice person you are. You are basically paying 30% of the interest payment for the renters. Also the interest only loan is just basically renting the house from the bank, you'll never own it ever if you don't refinance to something like a 30 year fixed. I would sell the house and take the loss.
Don't buy the condo. First off you should put 20% down, not 3.5%. Second, when you do your affordability calculation use a 30 year year fixed rate loan, nothing else. Finally when you do your affordability calculation you should only spend less than 30% of your net income on your house. If it goes over that, you can't afford.
If you think homes are affordable now, wait until summer of 2012 when all this housing mess is done with. We still have the alt-a crisis to go through, that is going to kill prices in south OC. Watch this:
http://www.youtube.com/watch?v=w_r-ASDViF8
Quote:
Everyone I know with a real estate background has told me (A) owning a home is the best long term investment and (B) If you can afford to, NEVER SELL a property. Your thoughts?
They aren't too smart. They are still in the mind set that homes go up in value every year. That isn't the case anymore. Prices will never reach 2006 levels again for at least 10 years. Yea, great long term investment. I agree with the never selling a property but that is only if you bought the house on a solid financial foundation. If you put 20% down 30 year fixed and the property is cash flowing for a nice 10% return. Then yes, don't sell the property. If you bought the property with interest only loan, and renting it out for 10% loss each year. Sell it and sell it fast. The main reason you don't want to buy and sell properties is because you have to pay taxes and you have to pay a hefty 6% selling fee.
Only buy properties when you are on a solid foundation and you actually have the cash to put down.
05-12-2009, 07:50 PM
Location: Las Flores, Orange County, CA
26,329 posts, read
93,729,143 times
Reputation: 17831
Quote:
Originally Posted by
killer2021
If you think homes are affordable now, wait until summer of 2012 when all this housing mess is done with. We still have the alt-a crisis to go through, that is going to kill prices in south OC. Watch this:
YouTube - The Mortgage Meltdown
Wow.
Very illustrative.
05-13-2009, 07:22 AM
Location: Irvine
257 posts, read
945,911 times
Reputation: 114
Quote:
Originally Posted by
killer2021
If the student loans are low interest rate (like under 5%) just pay the minimum each month. Credit cards pay those off immediately. If you miss a payment the interest rate will jump up very high. Never hold a balance on a credit card.
The townhouse is on a IO fixed rate and you are renting it out for 70% of those payments? What a nice person you are. You are basically paying 30% of the interest payment for the renters. Also the interest only loan is just basically renting the house from the bank, you'll never own it ever if you don't refinance to something like a 30 year fixed. I would sell the house and take the loss.
Don't buy the condo. First off you should put 20% down, not 3.5%. Second, when you do your affordability calculation use a 30 year year fixed rate loan, nothing else. Finally when you do your affordability calculation you should only spend less than 30% of your net income on your house. If it goes over that, you can't afford.
If you think homes are affordable now, wait until summer of 2012 when all this housing mess is done with. We still have the alt-a crisis to go through, that is going to kill prices in south OC. Watch this:
YouTube - The Mortgage Meltdown
They aren't too smart. They are still in the mind set that homes go up in value every year. That isn't the case anymore. Prices will never reach 2006 levels again for at least 10 years. Yea, great long term investment. I agree with the never selling a property but that is only if you bought the house on a solid financial foundation. If you put 20% down 30 year fixed and the property is cash flowing for a nice 10% return. Then yes, don't sell the property. If you bought the property with interest only loan, and renting it out for 10% loss each year. Sell it and sell it fast. The main reason you don't want to buy and sell properties is because you have to pay taxes and you have to pay a hefty 6% selling fee.
Only buy properties when you are on a solid foundation and you actually have the cash to put down.
I totally agree. And I also think in a down market that is predicted to go down even further, that it is stupid to not wait it out. Why buy a depreciating asset like that?
I also feel that it is the right time to buy when the cost to own does not blow the cost to rent out of the water. If it costs you $1500/month to rent a condo in Dana Point, then why buy one that costs $3000/month to own??? Here is an excellent calculator to us to determine the price difference between renting and owning:
Irvine Housing Blog - Irvine Real Estate
As for me......I am DEBT FREE. I owe nobody nothing. I even buy my used cars for cash. I am only willing to go into debt for a mortgage - but I rent because I will not buy in a declining market where the prices are overblown. I think this country would be in alot better shape if more Americans lived this way.
05-13-2009, 07:24 AM
Location: Irvine
257 posts, read
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Reputation: 114
05-13-2009, 09:21 AM
144 posts, read
318,689 times
Reputation: 163
I think it's definitely time to buy. My brother in-law just bought a 3bdrs house in Lake Forest for 430K last month. He used to live in 2 bedrooms apartment and the rent is about the same as the his mortgage plus taxes. OC property values are high not just because of the good weather but jobs (a lot more than Riverside and San Diego).
05-13-2009, 11:06 AM
745 posts, read
1,284,064 times
Reputation: 1470
1st time buyers in certain income brackets have access to some nice down payment assistance via
Affordable Housing Clearinghouse and I heard recently that in June, Corona was going to offer up to $100k assistance if you buy a foreclosure. At a seminar I attended, the lady from the OC MAP program was saying her daughter bought an $850k house near Temecula three years ago and today it's valued at $385k. Ouch.
What about those ARM loans resetting in 2010/2012. Someone on another thread was saying the reason Irvine hasn't dropped like other areas is because of all the ARM loans in 2004/2005 haven't reset yet.
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Industry diversity
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People in Group quarters - Homes for the mentally ill (%)
People in Group quarters - Homes for the mentally retarded (%)
People in Group quarters - Homes for the physically handicapped (%)
People in Group quarters - Other group homes (%)
People in Group quarters - Religious group quarters (%)
People in Group quarters - Dormitories (%)
People in Group quarters - Agriculture workers' dormitories on farms (%)
People in Group quarters - Job Corps and vocational training facilities (%)
People in Group quarters - Other workers' dormitories (%)
People in Group quarters - Crews of maritime vessels (%)
People in Group quarters - Other nonhousehold living situations (%)
People in Group quarters - Other noninstitutional group quarters (%)
Residents speaking English at home (%)
Residents speaking English at home - Born in the United States (%)
Residents speaking English at home - Native, born elsewhere (%)
Residents speaking English at home - Foreign born (%)
Residents speaking Spanish at home (%)
Residents speaking Spanish at home - Born in the United States (%)
Residents speaking Spanish at home - Native, born elsewhere (%)
Residents speaking Spanish at home - Foreign born (%)
Residents speaking other language at home (%)
Residents speaking other language at home - Born in the United States (%)
Residents speaking other language at home - Native, born elsewhere (%)
Residents speaking other language at home - Foreign born (%)
Class of Workers - Employee of private company (%)
Class of Workers - Self-employed in own incorporated business (%)
Class of Workers - Private not-for-profit wage and salary workers (%)
Class of Workers - Local government workers (%)
Class of Workers - State government workers (%)
Class of Workers - Federal government workers (%)
Class of Workers - Self-employed workers in own not incorporated business and Unpaid family workers (%)
House heating fuel used in houses and condos - Utility gas (%)
House heating fuel used in houses and condos - Bottled, tank, or LP gas (%)
House heating fuel used in houses and condos - Electricity (%)
House heating fuel used in houses and condos - Fuel oil, kerosene, etc. (%)
House heating fuel used in houses and condos - Coal or coke (%)
House heating fuel used in houses and condos - Wood (%)
House heating fuel used in houses and condos - Solar energy (%)
House heating fuel used in houses and condos - Other fuel (%)
House heating fuel used in houses and condos - No fuel used (%)
House heating fuel used in apartments - Utility gas (%)
House heating fuel used in apartments - Bottled, tank, or LP gas (%)
House heating fuel used in apartments - Electricity (%)
House heating fuel used in apartments - Fuel oil, kerosene, etc. (%)
House heating fuel used in apartments - Coal or coke (%)
House heating fuel used in apartments - Wood (%)
House heating fuel used in apartments - Solar energy (%)
House heating fuel used in apartments - Other fuel (%)
House heating fuel used in apartments - No fuel used (%)
Armed forces status - In Armed Forces (%)
Armed forces status - Civilian (%)
Armed forces status - Civilian - Veteran (%)
Armed forces status - Civilian - Nonveteran (%)
Fatal accidents locations in years 2005-2021
Fatal accidents locations in 2005
Fatal accidents locations in 2006
Fatal accidents locations in 2007
Fatal accidents locations in 2008
Fatal accidents locations in 2009
Fatal accidents locations in 2010
Fatal accidents locations in 2011
Fatal accidents locations in 2012
Fatal accidents locations in 2013
Fatal accidents locations in 2014
Fatal accidents locations in 2015
Fatal accidents locations in 2016
Fatal accidents locations in 2017
Fatal accidents locations in 2018
Fatal accidents locations in 2019
Fatal accidents locations in 2020
Fatal accidents locations in 2021
Alcohol use - People drinking some alcohol every month (%)
Alcohol use - People not drinking at all (%)
Alcohol use - Average days/month drinking alcohol
Alcohol use - Average drinks/week
Alcohol use - Average days/year people drink much
Audiometry - Average condition of hearing (%)
Audiometry - People that can hear a whisper from across a quiet room (%)
Audiometry - People that can hear normal voice from across a quiet room (%)
Audiometry - Ears ringing, roaring, buzzing (%)
Audiometry - Had a job exposure to loud noise (%)
Audiometry - Had off-work exposure to loud noise (%)
Blood Pressure & Cholesterol - Has high blood pressure (%)
Blood Pressure & Cholesterol - Checking blood pressure at home (%)
Blood Pressure & Cholesterol - Frequently checking blood cholesterol (%)
Blood Pressure & Cholesterol - Has high cholesterol level (%)
Consumer Behavior - Money monthly spent on food at supermarket/grocery store
Consumer Behavior - Money monthly spent on food at other stores
Consumer Behavior - Money monthly spent on eating out
Consumer Behavior - Money monthly spent on carryout/delivered foods
Consumer Behavior - Income spent on food at supermarket/grocery store (%)
Consumer Behavior - Income spent on food at other stores (%)
Consumer Behavior - Income spent on eating out (%)
Consumer Behavior - Income spent on carryout/delivered foods (%)
Current Health Status - General health condition (%)
Current Health Status - Blood donors (%)
Current Health Status - Has blood ever tested for HIV virus (%)
Current Health Status - Left-handed people (%)
Dermatology - People using sunscreen (%)
Diabetes - Diabetics (%)
Diabetes - Had a blood test for high blood sugar (%)
Diabetes - People taking insulin (%)
Diet Behavior & Nutrition - Diet health (%)
Diet Behavior & Nutrition - Milk product consumption (# of products/month)
Diet Behavior & Nutrition - Meals not home prepared (#/week)
Diet Behavior & Nutrition - Meals from fast food or pizza place (#/week)
Diet Behavior & Nutrition - Ready-to-eat foods (#/month)
Diet Behavior & Nutrition - Frozen meals/pizza (#/month)
Drug Use - People that ever used marijuana or hashish (%)
Drug Use - Ever used hard drugs (%)
Drug Use - Ever used any form of cocaine (%)
Drug Use - Ever used heroin (%)
Drug Use - Ever used methamphetamine (%)
Health Insurance - People covered by health insurance (%)
Kidney Conditions-Urology - Avg. # of times urinating at night
Medical Conditions - People with asthma (%)
Medical Conditions - People with anemia (%)
Medical Conditions - People with psoriasis (%)
Medical Conditions - People with overweight (%)
Medical Conditions - Elderly people having difficulties in thinking or remembering (%)
Medical Conditions - People who ever received blood transfusion (%)
Medical Conditions - People having trouble seeing even with glass/contacts (%)
Medical Conditions - People with arthritis (%)
Medical Conditions - People with gout (%)
Medical Conditions - People with congestive heart failure (%)
Medical Conditions - People with coronary heart disease (%)
Medical Conditions - People with angina pectoris (%)
Medical Conditions - People who ever had heart attack (%)
Medical Conditions - People who ever had stroke (%)
Medical Conditions - People with emphysema (%)
Medical Conditions - People with thyroid problem (%)
Medical Conditions - People with chronic bronchitis (%)
Medical Conditions - People with any liver condition (%)
Medical Conditions - People who ever had cancer or malignancy (%)
Mental Health - People who have little interest in doing things (%)
Mental Health - People feeling down, depressed, or hopeless (%)
Mental Health - People who have trouble sleeping or sleeping too much (%)
Mental Health - People feeling tired or having little energy (%)
Mental Health - People with poor appetite or overeating (%)
Mental Health - People feeling bad about themself (%)
Mental Health - People who have trouble concentrating on things (%)
Mental Health - People moving or speaking slowly or too fast (%)
Mental Health - People having thoughts they would be better off dead (%)
Oral Health - Average years since last visit a dentist
Oral Health - People embarrassed because of mouth (%)
Oral Health - People with gum disease (%)
Oral Health - General health of teeth and gums (%)
Oral Health - Average days a week using dental floss/device
Oral Health - Average days a week using mouthwash for dental problem
Oral Health - Average number of teeth
Pesticide Use - Households using pesticides to control insects (%)
Pesticide Use - Households using pesticides to kill weeds (%)
Physical Activity - People doing vigorous-intensity work activities (%)
Physical Activity - People doing moderate-intensity work activities (%)
Physical Activity - People walking or bicycling (%)
Physical Activity - People doing vigorous-intensity recreational activities (%)
Physical Activity - People doing moderate-intensity recreational activities (%)
Physical Activity - Average hours a day doing sedentary activities
Physical Activity - Average hours a day watching TV or videos
Physical Activity - Average hours a day using computer
Physical Functioning - People having limitations keeping them from working (%)
Physical Functioning - People limited in amount of work they can do (%)
Physical Functioning - People that need special equipment to walk (%)
Physical Functioning - People experiencing confusion/memory problems (%)
Physical Functioning - People requiring special healthcare equipment (%)
Prescription Medications - Average number of prescription medicines taking
Preventive Aspirin Use - Adults 40+ taking low-dose aspirin (%)
Reproductive Health - Vaginal deliveries (%)
Reproductive Health - Cesarean deliveries (%)
Reproductive Health - Deliveries resulted in a live birth (%)
Reproductive Health - Pregnancies resulted in a delivery (%)
Reproductive Health - Women breastfeeding newborns (%)
Reproductive Health - Women that had a hysterectomy (%)
Reproductive Health - Women that had both ovaries removed (%)
Reproductive Health - Women that have ever taken birth control pills (%)
Reproductive Health - Women taking birth control pills (%)
Reproductive Health - Women that have ever used Depo-Provera or injectables (%)
Reproductive Health - Women that have ever used female hormones (%)
Sexual Behavior - People 18+ that ever had sex (vaginal, anal, or oral) (%)
Sexual Behavior - Males 18+ that ever had vaginal sex with a woman (%)
Sexual Behavior - Males 18+ that ever performed oral sex on a woman (%)
Sexual Behavior - Males 18+ that ever had anal sex with a woman (%)
Sexual Behavior - Males 18+ that ever had any sex with a man (%)
Sexual Behavior - Females 18+ that ever had vaginal sex with a man (%)
Sexual Behavior - Females 18+ that ever performed oral sex on a man (%)
Sexual Behavior - Females 18+ that ever had anal sex with a man (%)
Sexual Behavior - Females 18+ that ever had any kind of sex with a woman (%)
Sexual Behavior - Average age people first had sex
Sexual Behavior - Average number of female sex partners in lifetime (males 18+)
Sexual Behavior - Average number of female vaginal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a woman (18+)
Sexual Behavior - Average number of woman performed oral sex on in lifetime (18+)
Sexual Behavior - Average number of male sex partners in lifetime (males 18+)
Sexual Behavior - Average number of male anal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a man (18+)
Sexual Behavior - Average number of male oral sex partners in lifetime (18+)
Sexual Behavior - People using protection when performing oral sex (%)
Sexual Behavior - Average number of times people have vaginal or anal sex a year
Sexual Behavior - People having sex without condom (%)
Sexual Behavior - Average number of male sex partners in lifetime (females 18+)
Sexual Behavior - Average number of male vaginal sex partners in lifetime (females 18+)
Sexual Behavior - Average number of female sex partners in lifetime (females 18+)
Sexual Behavior - Circumcised males 18+ (%)
Sleep Disorders - Average hours sleeping at night
Sleep Disorders - People that has trouble sleeping (%)
Smoking-Cigarette Use - People smoking cigarettes (%)
Taste & Smell - People 40+ having problems with smell (%)
Taste & Smell - People 40+ having problems with taste (%)
Taste & Smell - People 40+ that ever had wisdom teeth removed (%)
Taste & Smell - People 40+ that ever had tonsils teeth removed (%)
Taste & Smell - People 40+ that ever had a loss of consciousness because of a head injury (%)
Taste & Smell - People 40+ that ever had a broken nose or other serious injury to face or skull (%)
Taste & Smell - People 40+ that ever had two or more sinus infections (%)
Weight - Average height (inches)
Weight - Average weight (pounds)
Weight - Average BMI
Weight - People that are obese (%)
Weight - People that ever were obese (%)
Weight - People trying to lose weight (%)
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