[lifeizfunhuh]

Thanks everybody! We love the house more and more everyday. There are some remodeling issues (eg green carpet), but overall it is one of those properties that get passed down rather than sold. The prior owner said to me in a recent conversation that “I built that house to never leave it.” It is way way beyond custom. My favorite part is the orchard on the west end of the property. We got about a 10% discount to listing, and estimate that to buy land and rebuild would be several hundred thousand more than we paid. Amazing!
Oh, and its quiet. Last night my wife and I walked the property for the every-night million dollar sunset, and all you hear is frogs, birds, and the breeze. Alpine is AMAZING!!!

[lifeizfunhuh]

Thanks everybody! We love the house more and more everyday. There are some remodeling issues (eg green carpet), but overall it is one of those properties that get passed down rather than sold. The prior owner said to me in a recent conversation that “I built that house to never leave it.” It is way way beyond custom. My favorite part is the orchard on the west end of the property. We got about a 10% discount to listing, and estimate that to buy land and rebuild would be several hundred thousand more than we paid. Amazing!
Oh, and its quiet. Last night my wife and I walked the property for the every-night million dollar sunset, and all you hear is frogs, birds, and the breeze. Alpine is AMAZING!!!

[lifeizfunhuh]

That was exactly the response I received from my bank. If I had (much less) straight W-2 income, that was vastly preferable to more income / cash flow efficiently structured. You would think that if anyone, “professionals” at a financial institution would understand and appreciate financial planning. But that is not the case at all…

And to the above comment about having flow-charts and spreadsheets, my accountant produced something analogous. But the bank essentially requested double-entry bookkeeping, and wanted to document from both issuing and receiving accounts EVERY substantial transaction going back almost a year.

I can certainly appreciate that the health of the financial system requires good underwriting standards, but this was a complete joke.

[lifeizfunhuh]

That was exactly the response I received from my bank. If I had (much less) straight W-2 income, that was vastly preferable to more income / cash flow efficiently structured. You would think that if anyone, “professionals” at a financial institution would understand and appreciate financial planning. But that is not the case at all…

And to the above comment about having flow-charts and spreadsheets, my accountant produced something analogous. But the bank essentially requested double-entry bookkeeping, and wanted to document from both issuing and receiving accounts EVERY substantial transaction going back almost a year.

I can certainly appreciate that the health of the financial system requires good underwriting standards, but this was a complete joke.

[lifeizfunhuh]

That was exactly the response I received from my bank. If I had (much less) straight W-2 income, that was vastly preferable to more income / cash flow efficiently structured. You would think that if anyone, “professionals” at a financial institution would understand and appreciate financial planning. But that is not the case at all…

And to the above comment about having flow-charts and spreadsheets, my accountant produced something analogous. But the bank essentially requested double-entry bookkeeping, and wanted to document from both issuing and receiving accounts EVERY substantial transaction going back almost a year.

I can certainly appreciate that the health of the financial system requires good underwriting standards, but this was a complete joke.

[lifeizfunhuh]

That was exactly the response I received from my bank. If I had (much less) straight W-2 income, that was vastly preferable to more income / cash flow efficiently structured. You would think that if anyone, “professionals” at a financial institution would understand and appreciate financial planning. But that is not the case at all…

And to the above comment about having flow-charts and spreadsheets, my accountant produced something analogous. But the bank essentially requested double-entry bookkeeping, and wanted to document from both issuing and receiving accounts EVERY substantial transaction going back almost a year.

I can certainly appreciate that the health of the financial system requires good underwriting standards, but this was a complete joke.

[lifeizfunhuh]

That was exactly the response I received from my bank. If I had (much less) straight W-2 income, that was vastly preferable to more income / cash flow efficiently structured. You would think that if anyone, “professionals” at a financial institution would understand and appreciate financial planning. But that is not the case at all…

And to the above comment about having flow-charts and spreadsheets, my accountant produced something analogous. But the bank essentially requested double-entry bookkeeping, and wanted to document from both issuing and receiving accounts EVERY substantial transaction going back almost a year.

I can certainly appreciate that the health of the financial system requires good underwriting standards, but this was a complete joke.

[lifeizfunhuh]

My wife and I recently bought a gorgeous home in the northern, Victoria neighborhood of Alpine and are extremely happy with it. For the past 7 years we have lived in Sunset Cliffs and always thought we would stay there. Interestingly, I have a better view of the ocean (and whole city) right now than I used to living one block from the ocean.

What I like about Alpine is the quiet country atmosphere. I know I am going to get a lot of slack for this from other posters, but it reminds me of a less developed Rancho Santa Fe. I think Alpine is “in the path of progress” and might not turn out to be a bad investment long term. Remember what they used to say about Santee, etc… Right now prices are shockingly low compared to SC prices. When we went into escrow, I was prepared to get lots of comments from friends about Alpine, but have instead been surprised to learn how beautiful everyone thinks it is, and several people seem envious.

In the meantime, I get land (3 acres) 4,000 sq w guest house, pool, orchard, room to build and a million dollar view. Not bad for a quiet country life.

I think if you don’t mind living away from the beaches, its a great place to look. Plus, I would rather go east-west twice than go north-south to my office downtown.

Anyone else have opinions?

[lifeizfunhuh]

My wife and I recently bought a gorgeous home in the northern, Victoria neighborhood of Alpine and are extremely happy with it. For the past 7 years we have lived in Sunset Cliffs and always thought we would stay there. Interestingly, I have a better view of the ocean (and whole city) right now than I used to living one block from the ocean.

What I like about Alpine is the quiet country atmosphere. I know I am going to get a lot of slack for this from other posters, but it reminds me of a less developed Rancho Santa Fe. I think Alpine is “in the path of progress” and might not turn out to be a bad investment long term. Remember what they used to say about Santee, etc… Right now prices are shockingly low compared to SC prices. When we went into escrow, I was prepared to get lots of comments from friends about Alpine, but have instead been surprised to learn how beautiful everyone thinks it is, and several people seem envious.

In the meantime, I get land (3 acres) 4,000 sq w guest house, pool, orchard, room to build and a million dollar view. Not bad for a quiet country life.

I think if you don’t mind living away from the beaches, its a great place to look. Plus, I would rather go east-west twice than go north-south to my office downtown.

Anyone else have opinions?

[lifeizfunhuh]

My wife and I recently bought a gorgeous home in the northern, Victoria neighborhood of Alpine and are extremely happy with it. For the past 7 years we have lived in Sunset Cliffs and always thought we would stay there. Interestingly, I have a better view of the ocean (and whole city) right now than I used to living one block from the ocean.

What I like about Alpine is the quiet country atmosphere. I know I am going to get a lot of slack for this from other posters, but it reminds me of a less developed Rancho Santa Fe. I think Alpine is “in the path of progress” and might not turn out to be a bad investment long term. Remember what they used to say about Santee, etc… Right now prices are shockingly low compared to SC prices. When we went into escrow, I was prepared to get lots of comments from friends about Alpine, but have instead been surprised to learn how beautiful everyone thinks it is, and several people seem envious.

In the meantime, I get land (3 acres) 4,000 sq w guest house, pool, orchard, room to build and a million dollar view. Not bad for a quiet country life.

I think if you don’t mind living away from the beaches, its a great place to look. Plus, I would rather go east-west twice than go north-south to my office downtown.

Anyone else have opinions?

[lifeizfunhuh]

My wife and I recently bought a gorgeous home in the northern, Victoria neighborhood of Alpine and are extremely happy with it. For the past 7 years we have lived in Sunset Cliffs and always thought we would stay there. Interestingly, I have a better view of the ocean (and whole city) right now than I used to living one block from the ocean.

What I like about Alpine is the quiet country atmosphere. I know I am going to get a lot of slack for this from other posters, but it reminds me of a less developed Rancho Santa Fe. I think Alpine is “in the path of progress” and might not turn out to be a bad investment long term. Remember what they used to say about Santee, etc… Right now prices are shockingly low compared to SC prices. When we went into escrow, I was prepared to get lots of comments from friends about Alpine, but have instead been surprised to learn how beautiful everyone thinks it is, and several people seem envious.

In the meantime, I get land (3 acres) 4,000 sq w guest house, pool, orchard, room to build and a million dollar view. Not bad for a quiet country life.

I think if you don’t mind living away from the beaches, its a great place to look. Plus, I would rather go east-west twice than go north-south to my office downtown.

Anyone else have opinions?

[lifeizfunhuh]

My wife and I recently bought a gorgeous home in the northern, Victoria neighborhood of Alpine and are extremely happy with it. For the past 7 years we have lived in Sunset Cliffs and always thought we would stay there. Interestingly, I have a better view of the ocean (and whole city) right now than I used to living one block from the ocean.

What I like about Alpine is the quiet country atmosphere. I know I am going to get a lot of slack for this from other posters, but it reminds me of a less developed Rancho Santa Fe. I think Alpine is “in the path of progress” and might not turn out to be a bad investment long term. Remember what they used to say about Santee, etc… Right now prices are shockingly low compared to SC prices. When we went into escrow, I was prepared to get lots of comments from friends about Alpine, but have instead been surprised to learn how beautiful everyone thinks it is, and several people seem envious.

In the meantime, I get land (3 acres) 4,000 sq w guest house, pool, orchard, room to build and a million dollar view. Not bad for a quiet country life.

I think if you don’t mind living away from the beaches, its a great place to look. Plus, I would rather go east-west twice than go north-south to my office downtown.

Anyone else have opinions?

[lifeizfunhuh]

I guess my situation is highly unusual. Although we have been pursuing the MLS for a few years now, my wife and I a month back went to see ONE spectacular home, made one offer, and are now in escrow. Go figure, but it can happen…

[lifeizfunhuh]

I guess my situation is highly unusual. Although we have been pursuing the MLS for a few years now, my wife and I a month back went to see ONE spectacular home, made one offer, and are now in escrow. Go figure, but it can happen…

[lifeizfunhuh]

I guess my situation is highly unusual. Although we have been pursuing the MLS for a few years now, my wife and I a month back went to see ONE spectacular home, made one offer, and are now in escrow. Go figure, but it can happen…

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