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LuckyInOC
Participant[quote=davelj]So, how do the lenders go about “valuing” the collateral underlying this “investment”? Why, they just look at what other folks are willing to pay for similar collateral… potential cash flows be damned! Wouldn’t it be be smarter… maybe, just maybe… for the lender to take into account what the house would rent for in case, god forbid, the lender ends up taking back the house? Market rents aren’t that hard to find for most houses. (Ask yourself: How difficult is it for you to figure out roughly what you should be paying in rent for a typical 2,500 square foot house in X area of San Diego? With Craigslist and other free online services – which are pretty blunt instruments – it’s not that tough. And that’s for the non-professional. Appraisers have access to all sorts of rent and market data not available to the general public.)[/quote]
Davej, Don’t banks factor in income (i.e. Rents) when providing loans for commercial residential properties? Don’t banks factor in the rental income for a SFR rental property? I agree with you, they should factor in the affordability of the homes based on rents.
Lucky In OC
PS: I just realized the spell checker on this site does not understand ‘affordability’ – kind of ironic when most of the users do…
Participant[quote=davelj]So, how do the lenders go about “valuing” the collateral underlying this “investment”? Why, they just look at what other folks are willing to pay for similar collateral… potential cash flows be damned! Wouldn’t it be be smarter… maybe, just maybe… for the lender to take into account what the house would rent for in case, god forbid, the lender ends up taking back the house? Market rents aren’t that hard to find for most houses. (Ask yourself: How difficult is it for you to figure out roughly what you should be paying in rent for a typical 2,500 square foot house in X area of San Diego? With Craigslist and other free online services – which are pretty blunt instruments – it’s not that tough. And that’s for the non-professional. Appraisers have access to all sorts of rent and market data not available to the general public.)[/quote]
Davej, Don’t banks factor in income (i.e. Rents) when providing loans for commercial residential properties? Don’t banks factor in the rental income for a SFR rental property? I agree with you, they should factor in the affordability of the homes based on rents.
Lucky In OC
PS: I just realized the spell checker on this site does not understand ‘affordability’ – kind of ironic when most of the users do…
Participant[quote=davelj]So, how do the lenders go about “valuing” the collateral underlying this “investment”? Why, they just look at what other folks are willing to pay for similar collateral… potential cash flows be damned! Wouldn’t it be be smarter… maybe, just maybe… for the lender to take into account what the house would rent for in case, god forbid, the lender ends up taking back the house? Market rents aren’t that hard to find for most houses. (Ask yourself: How difficult is it for you to figure out roughly what you should be paying in rent for a typical 2,500 square foot house in X area of San Diego? With Craigslist and other free online services – which are pretty blunt instruments – it’s not that tough. And that’s for the non-professional. Appraisers have access to all sorts of rent and market data not available to the general public.)[/quote]
Davej, Don’t banks factor in income (i.e. Rents) when providing loans for commercial residential properties? Don’t banks factor in the rental income for a SFR rental property? I agree with you, they should factor in the affordability of the homes based on rents.
Lucky In OC
PS: I just realized the spell checker on this site does not understand ‘affordability’ – kind of ironic when most of the users do…
Participant[quote=davelj]So, how do the lenders go about “valuing” the collateral underlying this “investment”? Why, they just look at what other folks are willing to pay for similar collateral… potential cash flows be damned! Wouldn’t it be be smarter… maybe, just maybe… for the lender to take into account what the house would rent for in case, god forbid, the lender ends up taking back the house? Market rents aren’t that hard to find for most houses. (Ask yourself: How difficult is it for you to figure out roughly what you should be paying in rent for a typical 2,500 square foot house in X area of San Diego? With Craigslist and other free online services – which are pretty blunt instruments – it’s not that tough. And that’s for the non-professional. Appraisers have access to all sorts of rent and market data not available to the general public.)[/quote]
Davej, Don’t banks factor in income (i.e. Rents) when providing loans for commercial residential properties? Don’t banks factor in the rental income for a SFR rental property? I agree with you, they should factor in the affordability of the homes based on rents.
Lucky In OC
PS: I just realized the spell checker on this site does not understand ‘affordability’ – kind of ironic when most of the users do…
Participant[quote=anniewelch]what does grow well under a pepper tree. I have a forty year old one in our new house and it seems to be toxic for everything. It’s also very shady under it.[/quote]
Dirt…
Lucky In OC
Participant[quote=anniewelch]what does grow well under a pepper tree. I have a forty year old one in our new house and it seems to be toxic for everything. It’s also very shady under it.[/quote]
Dirt…
Lucky In OC
Participant[quote=anniewelch]what does grow well under a pepper tree. I have a forty year old one in our new house and it seems to be toxic for everything. It’s also very shady under it.[/quote]
Dirt…
Lucky In OC
Participant[quote=anniewelch]what does grow well under a pepper tree. I have a forty year old one in our new house and it seems to be toxic for everything. It’s also very shady under it.[/quote]
Dirt…
Lucky In OC
Participant[quote=anniewelch]what does grow well under a pepper tree. I have a forty year old one in our new house and it seems to be toxic for everything. It’s also very shady under it.[/quote]
Dirt…
Lucky In OC
ParticipantI have 2 Retractaway ‘SeasonGuard’ standard height doors from Home Depot. We have small kids and did not want the magnetic ‘slam’ type. The no-slam feature on these work like a single hung window with a string and pulley system on the vertical in the handle. The screen can be left in a partial open position. The company has been in business since 2000 and offers a 10-year warranty. 8′ doors are available thru special order.
http://www.retractaway.com/index2.html
We have had problems with the strings breaking due to friction and needed replacement, but it only takes about 5-10 minutes to remove the screen, replace the string, and reinstall the screen. I soaked the last set of strings in silicon spray to see if this helps.
Installation is easy if you have flat casing around the door. If you have angled casing, you may want to change it to flat or shim the receiver plate when installing to make sure it is square and remove the shims when complete. 3 or 4 Drywall screws would work as permanent shim in the casing as well. As always, measure twice, cut once. Dry fit the threshold with the screen cartridge to make sure it will be square to the opening.
I installed one on my garage door to the outside and one on the door between my house and garage. The outside door had flat casing. The inside one, I changed out the casing from angled to flat. Our problem with regular screen doors, the open door would be an obstruction in the walking path. We need to go immediately left and right from the door. Keeping it propped open would not be a doable option for traffic flow. I did have to paint a white strip on the one between the house and a dark garage to keep from walking thru it if both the door and screen was closed.
I think we paid less than $150 each. Are these doors perfect? No. But for the cost and convenience, the doors are a good value.
Lucky In OC
ParticipantI have 2 Retractaway ‘SeasonGuard’ standard height doors from Home Depot. We have small kids and did not want the magnetic ‘slam’ type. The no-slam feature on these work like a single hung window with a string and pulley system on the vertical in the handle. The screen can be left in a partial open position. The company has been in business since 2000 and offers a 10-year warranty. 8′ doors are available thru special order.
http://www.retractaway.com/index2.html
We have had problems with the strings breaking due to friction and needed replacement, but it only takes about 5-10 minutes to remove the screen, replace the string, and reinstall the screen. I soaked the last set of strings in silicon spray to see if this helps.
Installation is easy if you have flat casing around the door. If you have angled casing, you may want to change it to flat or shim the receiver plate when installing to make sure it is square and remove the shims when complete. 3 or 4 Drywall screws would work as permanent shim in the casing as well. As always, measure twice, cut once. Dry fit the threshold with the screen cartridge to make sure it will be square to the opening.
I installed one on my garage door to the outside and one on the door between my house and garage. The outside door had flat casing. The inside one, I changed out the casing from angled to flat. Our problem with regular screen doors, the open door would be an obstruction in the walking path. We need to go immediately left and right from the door. Keeping it propped open would not be a doable option for traffic flow. I did have to paint a white strip on the one between the house and a dark garage to keep from walking thru it if both the door and screen was closed.
I think we paid less than $150 each. Are these doors perfect? No. But for the cost and convenience, the doors are a good value.
Lucky In OC
ParticipantI have 2 Retractaway ‘SeasonGuard’ standard height doors from Home Depot. We have small kids and did not want the magnetic ‘slam’ type. The no-slam feature on these work like a single hung window with a string and pulley system on the vertical in the handle. The screen can be left in a partial open position. The company has been in business since 2000 and offers a 10-year warranty. 8′ doors are available thru special order.
http://www.retractaway.com/index2.html
We have had problems with the strings breaking due to friction and needed replacement, but it only takes about 5-10 minutes to remove the screen, replace the string, and reinstall the screen. I soaked the last set of strings in silicon spray to see if this helps.
Installation is easy if you have flat casing around the door. If you have angled casing, you may want to change it to flat or shim the receiver plate when installing to make sure it is square and remove the shims when complete. 3 or 4 Drywall screws would work as permanent shim in the casing as well. As always, measure twice, cut once. Dry fit the threshold with the screen cartridge to make sure it will be square to the opening.
I installed one on my garage door to the outside and one on the door between my house and garage. The outside door had flat casing. The inside one, I changed out the casing from angled to flat. Our problem with regular screen doors, the open door would be an obstruction in the walking path. We need to go immediately left and right from the door. Keeping it propped open would not be a doable option for traffic flow. I did have to paint a white strip on the one between the house and a dark garage to keep from walking thru it if both the door and screen was closed.
I think we paid less than $150 each. Are these doors perfect? No. But for the cost and convenience, the doors are a good value.
Lucky In OC
ParticipantI have 2 Retractaway ‘SeasonGuard’ standard height doors from Home Depot. We have small kids and did not want the magnetic ‘slam’ type. The no-slam feature on these work like a single hung window with a string and pulley system on the vertical in the handle. The screen can be left in a partial open position. The company has been in business since 2000 and offers a 10-year warranty. 8′ doors are available thru special order.
http://www.retractaway.com/index2.html
We have had problems with the strings breaking due to friction and needed replacement, but it only takes about 5-10 minutes to remove the screen, replace the string, and reinstall the screen. I soaked the last set of strings in silicon spray to see if this helps.
Installation is easy if you have flat casing around the door. If you have angled casing, you may want to change it to flat or shim the receiver plate when installing to make sure it is square and remove the shims when complete. 3 or 4 Drywall screws would work as permanent shim in the casing as well. As always, measure twice, cut once. Dry fit the threshold with the screen cartridge to make sure it will be square to the opening.
I installed one on my garage door to the outside and one on the door between my house and garage. The outside door had flat casing. The inside one, I changed out the casing from angled to flat. Our problem with regular screen doors, the open door would be an obstruction in the walking path. We need to go immediately left and right from the door. Keeping it propped open would not be a doable option for traffic flow. I did have to paint a white strip on the one between the house and a dark garage to keep from walking thru it if both the door and screen was closed.
I think we paid less than $150 each. Are these doors perfect? No. But for the cost and convenience, the doors are a good value.
Lucky In OC
ParticipantI have 2 Retractaway ‘SeasonGuard’ standard height doors from Home Depot. We have small kids and did not want the magnetic ‘slam’ type. The no-slam feature on these work like a single hung window with a string and pulley system on the vertical in the handle. The screen can be left in a partial open position. The company has been in business since 2000 and offers a 10-year warranty. 8′ doors are available thru special order.
http://www.retractaway.com/index2.html
We have had problems with the strings breaking due to friction and needed replacement, but it only takes about 5-10 minutes to remove the screen, replace the string, and reinstall the screen. I soaked the last set of strings in silicon spray to see if this helps.
Installation is easy if you have flat casing around the door. If you have angled casing, you may want to change it to flat or shim the receiver plate when installing to make sure it is square and remove the shims when complete. 3 or 4 Drywall screws would work as permanent shim in the casing as well. As always, measure twice, cut once. Dry fit the threshold with the screen cartridge to make sure it will be square to the opening.
I installed one on my garage door to the outside and one on the door between my house and garage. The outside door had flat casing. The inside one, I changed out the casing from angled to flat. Our problem with regular screen doors, the open door would be an obstruction in the walking path. We need to go immediately left and right from the door. Keeping it propped open would not be a doable option for traffic flow. I did have to paint a white strip on the one between the house and a dark garage to keep from walking thru it if both the door and screen was closed.
I think we paid less than $150 each. Are these doors perfect? No. But for the cost and convenience, the doors are a good value.
Lucky In OC
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