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(former)FormerSanDiegan
Participant[quote=CONCHO][quote=meadandale]
LOL, that’s why I don’t have a prius…need to be able to make trips to the dump and haul stuff home from HD and Lowes :D[/quote]Now there’s a market opportunity — an electric truck. Those trips to the dump/home depot/lowe’s are usually pretty short. Also the grocery store/dropping kids off/etc… It could be like one of those little box vans you see in Asia, big enough to haul a lot of crap but not so big that you can’t park it. Like A Nissan Leaf but with maybe half the range and twice the hauling capacity.
I’ll bet an Asian automaker is already working on that for urban US markets…[/quote]
A domestic car maker actually has a utility truck. It’s functional but ugly… (fugly).
Participant[quote=sdrealtor]I agree. Give me a call I have a stack of 25% off your next house coupons sitting on my desk. I think most sellers accept them these days.[/quote]
Instead of chasing the market with price reductions, an enterprising agent should try taping 10% off coupons on their signs or in the comments seciton of the MLS listing. That would be awesome.
Participant[quote=sdrealtor]I agree. Give me a call I have a stack of 25% off your next house coupons sitting on my desk. I think most sellers accept them these days.[/quote]
Instead of chasing the market with price reductions, an enterprising agent should try taping 10% off coupons on their signs or in the comments seciton of the MLS listing. That would be awesome.
Participant[quote=sdrealtor]I agree. Give me a call I have a stack of 25% off your next house coupons sitting on my desk. I think most sellers accept them these days.[/quote]
Instead of chasing the market with price reductions, an enterprising agent should try taping 10% off coupons on their signs or in the comments seciton of the MLS listing. That would be awesome.
Participant[quote=sdrealtor]I agree. Give me a call I have a stack of 25% off your next house coupons sitting on my desk. I think most sellers accept them these days.[/quote]
Instead of chasing the market with price reductions, an enterprising agent should try taping 10% off coupons on their signs or in the comments seciton of the MLS listing. That would be awesome.
Participant[quote=sdrealtor]I agree. Give me a call I have a stack of 25% off your next house coupons sitting on my desk. I think most sellers accept them these days.[/quote]
Instead of chasing the market with price reductions, an enterprising agent should try taping 10% off coupons on their signs or in the comments seciton of the MLS listing. That would be awesome.
Participant[quote=kcal09]Refinancing has become more difficult now. A debt/income ratio of less than 48% is required even with high equity. It used to be much less strict.[/quote]
48% debt to income is still extremely high. I would consider this to still be a very loose limit.
Traditional ratios of 28% DTI for housing debt and 36% DTI for ALL debt used to be the criteria thorugh the early 1990’s for conforming loans.
48% DTI is way to high for most budgets, unless of course there is difficult to document income or self employment income that “doesn’t count.”Our household would not be able to keep to a household budget with 48% DTI. We were up around 42% DTI when we were covering two mortgages a number of years ago and that was extremely difficult.
Participant[quote=kcal09]Refinancing has become more difficult now. A debt/income ratio of less than 48% is required even with high equity. It used to be much less strict.[/quote]
48% debt to income is still extremely high. I would consider this to still be a very loose limit.
Traditional ratios of 28% DTI for housing debt and 36% DTI for ALL debt used to be the criteria thorugh the early 1990’s for conforming loans.
48% DTI is way to high for most budgets, unless of course there is difficult to document income or self employment income that “doesn’t count.”Our household would not be able to keep to a household budget with 48% DTI. We were up around 42% DTI when we were covering two mortgages a number of years ago and that was extremely difficult.
Participant[quote=kcal09]Refinancing has become more difficult now. A debt/income ratio of less than 48% is required even with high equity. It used to be much less strict.[/quote]
48% debt to income is still extremely high. I would consider this to still be a very loose limit.
Traditional ratios of 28% DTI for housing debt and 36% DTI for ALL debt used to be the criteria thorugh the early 1990’s for conforming loans.
48% DTI is way to high for most budgets, unless of course there is difficult to document income or self employment income that “doesn’t count.”Our household would not be able to keep to a household budget with 48% DTI. We were up around 42% DTI when we were covering two mortgages a number of years ago and that was extremely difficult.
Participant[quote=kcal09]Refinancing has become more difficult now. A debt/income ratio of less than 48% is required even with high equity. It used to be much less strict.[/quote]
48% debt to income is still extremely high. I would consider this to still be a very loose limit.
Traditional ratios of 28% DTI for housing debt and 36% DTI for ALL debt used to be the criteria thorugh the early 1990’s for conforming loans.
48% DTI is way to high for most budgets, unless of course there is difficult to document income or self employment income that “doesn’t count.”Our household would not be able to keep to a household budget with 48% DTI. We were up around 42% DTI when we were covering two mortgages a number of years ago and that was extremely difficult.
Participant[quote=kcal09]Refinancing has become more difficult now. A debt/income ratio of less than 48% is required even with high equity. It used to be much less strict.[/quote]
48% debt to income is still extremely high. I would consider this to still be a very loose limit.
Traditional ratios of 28% DTI for housing debt and 36% DTI for ALL debt used to be the criteria thorugh the early 1990’s for conforming loans.
48% DTI is way to high for most budgets, unless of course there is difficult to document income or self employment income that “doesn’t count.”Our household would not be able to keep to a household budget with 48% DTI. We were up around 42% DTI when we were covering two mortgages a number of years ago and that was extremely difficult.
Participant[quote=briansd1][quote=FormerSanDiegan]See ya later brianFL1.[/quote]
Don’t take it personally.
That attitude of love-it-leave, and don’t-pay-compliments-to-anybody-else-lest-you-criticize-your-own is kinda childish.
Just because I pay a compliment to Florida doesn’t mean that I’m criticizing San Diego and would rather live in Florida. Every place has pluses and minuses.
The reason I live in SD is my family is here and I’m pretty close to my brothers and other relatives. I’m in San Diego more as a result of happenstance rather than my own choosing.
But for people who can choose, there are many choices out there.[/quote]
Geez. All I was trying to do was make a funny with your username.
In case you couldn’t figure it out from my username, I actually moved away from San Diego, so your response… “That attitude of love-it-leave, and don’t-pay-compliments-to-anybody-else-lest-you-criticize-your-own is kinda childish,” really does not apply to me.
Participant[quote=briansd1][quote=FormerSanDiegan]See ya later brianFL1.[/quote]
Don’t take it personally.
That attitude of love-it-leave, and don’t-pay-compliments-to-anybody-else-lest-you-criticize-your-own is kinda childish.
Just because I pay a compliment to Florida doesn’t mean that I’m criticizing San Diego and would rather live in Florida. Every place has pluses and minuses.
The reason I live in SD is my family is here and I’m pretty close to my brothers and other relatives. I’m in San Diego more as a result of happenstance rather than my own choosing.
But for people who can choose, there are many choices out there.[/quote]
Geez. All I was trying to do was make a funny with your username.
In case you couldn’t figure it out from my username, I actually moved away from San Diego, so your response… “That attitude of love-it-leave, and don’t-pay-compliments-to-anybody-else-lest-you-criticize-your-own is kinda childish,” really does not apply to me.
Participant[quote=briansd1][quote=FormerSanDiegan]See ya later brianFL1.[/quote]
Don’t take it personally.
That attitude of love-it-leave, and don’t-pay-compliments-to-anybody-else-lest-you-criticize-your-own is kinda childish.
Just because I pay a compliment to Florida doesn’t mean that I’m criticizing San Diego and would rather live in Florida. Every place has pluses and minuses.
The reason I live in SD is my family is here and I’m pretty close to my brothers and other relatives. I’m in San Diego more as a result of happenstance rather than my own choosing.
But for people who can choose, there are many choices out there.[/quote]
Geez. All I was trying to do was make a funny with your username.
In case you couldn’t figure it out from my username, I actually moved away from San Diego, so your response… “That attitude of love-it-leave, and don’t-pay-compliments-to-anybody-else-lest-you-criticize-your-own is kinda childish,” really does not apply to me.
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