Any thoughts on South Carlsbad

[rpn]

Greetings Sdrealtor,

Hope you had a good weekend.

Thanks for all your info. I have been reading your various posts and they seem to make sense to us.

We just seen Messina at La Costa Ridge today. And they have some very nice homes. Big lots with lots of extras in the homes. The prices seem to be higher of course compared to Viridian at La Costa Greens. Do you know anything about Shea Homes? They are the builders for Messina. Also, what is your take on Viridian- we are coming very close to buy there. But feel we should get a little more from them as credits. The Alga park should be built soon. I wonder if that will add value to the area……

Cheers
RPN

[sdrealtor]

Shea builds very nice homes and they tend to come up with floorplans different than all the others who seem to copy each other. Some nice views up there also.

Viridian is built by Davidson who builds even nicer homes (probably the ebst tract builder in SD county) but my worry would be their survival (as a smaller, higer end regional tract builder). Air traffic is a big negative in my mind there. The Alga Norte Park was supposed to be a water park but got scaled down. If built as promised it would be an awesome asset to the City of Carlsbad but I dont know if I’d want to live next to it.

sdr

[sdrealtor]

Shea builds very nice homes and they tend to come up with floorplans different than all the others who seem to copy each other. Some nice views up there also.

Viridian is built by Davidson who builds even nicer homes (probably the ebst tract builder in SD county) but my worry would be their survival (as a smaller, higer end regional tract builder). Air traffic is a big negative in my mind there. The Alga Norte Park was supposed to be a water park but got scaled down. If built as promised it would be an awesome asset to the City of Carlsbad but I dont know if I’d want to live next to it.

sdr

[sdrealtor]

Shea builds very nice homes and they tend to come up with floorplans different than all the others who seem to copy each other. Some nice views up there also.

Viridian is built by Davidson who builds even nicer homes (probably the ebst tract builder in SD county) but my worry would be their survival (as a smaller, higer end regional tract builder). Air traffic is a big negative in my mind there. The Alga Norte Park was supposed to be a water park but got scaled down. If built as promised it would be an awesome asset to the City of Carlsbad but I dont know if I’d want to live next to it.

sdr

[sdrealtor]

Shea builds very nice homes and they tend to come up with floorplans different than all the others who seem to copy each other. Some nice views up there also.

Viridian is built by Davidson who builds even nicer homes (probably the ebst tract builder in SD county) but my worry would be their survival (as a smaller, higer end regional tract builder). Air traffic is a big negative in my mind there. The Alga Norte Park was supposed to be a water park but got scaled down. If built as promised it would be an awesome asset to the City of Carlsbad but I dont know if I’d want to live next to it.

sdr

[sdrealtor]

Shea builds very nice homes and they tend to come up with floorplans different than all the others who seem to copy each other. Some nice views up there also.

Viridian is built by Davidson who builds even nicer homes (probably the ebst tract builder in SD county) but my worry would be their survival (as a smaller, higer end regional tract builder). Air traffic is a big negative in my mind there. The Alga Norte Park was supposed to be a water park but got scaled down. If built as promised it would be an awesome asset to the City of Carlsbad but I dont know if I’d want to live next to it.

sdr

[leucadiarenter]

curious how you compute this: ‘$900K is doable with $210K of income, comfortably’ at 210K income? Are you putting approx 300k down? Asking because I’m in the same income bracket, but no way could afford a 900Kish hose.

[leucadiarenter]

curious how you compute this: ‘$900K is doable with $210K of income, comfortably’ at 210K income? Are you putting approx 300k down? Asking because I’m in the same income bracket, but no way could afford a 900Kish hose.

[leucadiarenter]

curious how you compute this: ‘$900K is doable with $210K of income, comfortably’ at 210K income? Are you putting approx 300k down? Asking because I’m in the same income bracket, but no way could afford a 900Kish hose.

[leucadiarenter]

curious how you compute this: ‘$900K is doable with $210K of income, comfortably’ at 210K income? Are you putting approx 300k down? Asking because I’m in the same income bracket, but no way could afford a 900Kish hose.

[leucadiarenter]

curious how you compute this: ‘$900K is doable with $210K of income, comfortably’ at 210K income? Are you putting approx 300k down? Asking because I’m in the same income bracket, but no way could afford a 900Kish hose.

[waiting for bottom]

No, my math is with 20% down and a 5.5% rate. With HOA, total payment would be around $5300.

Take home pay on $210K at 67% net is $11,725 per month. 67% includes $3000 pre-tax for health care and $15500 pre-tax for 401k. It also includes 7% state tax, 11% effective federal rate or 19% on taxable income (interest deduction helps huge) and full FICA.

This leaves $6425 after house payment. I spend about $2200 on groceries/gas/utilities, leaving $4225. Take out another $1600 for cars/student loans/daycare, then $800 to max out IRA’s. I still have $1825 left over for household and entertainment. Very comfortable for me.

I’d much rather have a $4000 or less mortage to have a bigger downside buffer in the case of income loss.

[waiting for bottom]

No, my math is with 20% down and a 5.5% rate. With HOA, total payment would be around $5300.

Take home pay on $210K at 67% net is $11,725 per month. 67% includes $3000 pre-tax for health care and $15500 pre-tax for 401k. It also includes 7% state tax, 11% effective federal rate or 19% on taxable income (interest deduction helps huge) and full FICA.

This leaves $6425 after house payment. I spend about $2200 on groceries/gas/utilities, leaving $4225. Take out another $1600 for cars/student loans/daycare, then $800 to max out IRA’s. I still have $1825 left over for household and entertainment. Very comfortable for me.

I’d much rather have a $4000 or less mortage to have a bigger downside buffer in the case of income loss.

[waiting for bottom]

No, my math is with 20% down and a 5.5% rate. With HOA, total payment would be around $5300.

Take home pay on $210K at 67% net is $11,725 per month. 67% includes $3000 pre-tax for health care and $15500 pre-tax for 401k. It also includes 7% state tax, 11% effective federal rate or 19% on taxable income (interest deduction helps huge) and full FICA.

This leaves $6425 after house payment. I spend about $2200 on groceries/gas/utilities, leaving $4225. Take out another $1600 for cars/student loans/daycare, then $800 to max out IRA’s. I still have $1825 left over for household and entertainment. Very comfortable for me.

I’d much rather have a $4000 or less mortage to have a bigger downside buffer in the case of income loss.

[waiting for bottom]

No, my math is with 20% down and a 5.5% rate. With HOA, total payment would be around $5300.

Take home pay on $210K at 67% net is $11,725 per month. 67% includes $3000 pre-tax for health care and $15500 pre-tax for 401k. It also includes 7% state tax, 11% effective federal rate or 19% on taxable income (interest deduction helps huge) and full FICA.

This leaves $6425 after house payment. I spend about $2200 on groceries/gas/utilities, leaving $4225. Take out another $1600 for cars/student loans/daycare, then $800 to max out IRA’s. I still have $1825 left over for household and entertainment. Very comfortable for me.

I’d much rather have a $4000 or less mortage to have a bigger downside buffer in the case of income loss.

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