[sdcellar]

These are the same ones California West was (and maybe still is) selling? They were selling them in the sevens and eights. Guess they didn’t/don’t care to re-up? Could be that these last lots are the worst, but I have no idea how true that might be. I’m pretty sure these didn’t work out as well for them as Monteluz and Andalusia in 4S.

With regard to City Ventures, the houses they built in Stonebridge weren’t up to same standards as those built by Warmington (and I think the lots may have been inferior as well), so they weren’t quite the price savings it would seem on paper. Still pretty good prices, though, for BAHs.

As you said, they were the same floor plan, but I think it diverged a bit from there. It will be the same in The Crosby, I’m sure.

[sdcellar]

So, masayako, it looks like you have your answer. There is nothing wrong with putting 50% down on your house. Others might have other strategies, but that doesn’t mean there’s something wrong with yours.

The only other thing I might suggest is making sure you hold on to an adequate cash (or similarly liquid) reserve.

[sdcellar]

So, masayako, it looks like you have your answer. There is nothing wrong with putting 50% down on your house. Others might have other strategies, but that doesn’t mean there’s something wrong with yours.

The only other thing I might suggest is making sure you hold on to an adequate cash (or similarly liquid) reserve.

[sdcellar]

So, masayako, it looks like you have your answer. There is nothing wrong with putting 50% down on your house. Others might have other strategies, but that doesn’t mean there’s something wrong with yours.

The only other thing I might suggest is making sure you hold on to an adequate cash (or similarly liquid) reserve.

[sdcellar]

So, masayako, it looks like you have your answer. There is nothing wrong with putting 50% down on your house. Others might have other strategies, but that doesn’t mean there’s something wrong with yours.

The only other thing I might suggest is making sure you hold on to an adequate cash (or similarly liquid) reserve.

[sdcellar]

So, masayako, it looks like you have your answer. There is nothing wrong with putting 50% down on your house. Others might have other strategies, but that doesn’t mean there’s something wrong with yours.

The only other thing I might suggest is making sure you hold on to an adequate cash (or similarly liquid) reserve.

[sdcellar]

and looking more fully, I guess your original post did say “a few years.”

(but I still wouldn’t mind understanding your shortest time horizon. For me at least, the further out one goes, the harder it is to come up with an answer. Maybe there’s a general rule of thumb no matter what, but I personally don’t know what that is.)

[sdcellar]

and looking more fully, I guess your original post did say “a few years.”

(but I still wouldn’t mind understanding your shortest time horizon. For me at least, the further out one goes, the harder it is to come up with an answer. Maybe there’s a general rule of thumb no matter what, but I personally don’t know what that is.)

[sdcellar]

and looking more fully, I guess your original post did say “a few years.”

(but I still wouldn’t mind understanding your shortest time horizon. For me at least, the further out one goes, the harder it is to come up with an answer. Maybe there’s a general rule of thumb no matter what, but I personally don’t know what that is.)

[sdcellar]

and looking more fully, I guess your original post did say “a few years.”

(but I still wouldn’t mind understanding your shortest time horizon. For me at least, the further out one goes, the harder it is to come up with an answer. Maybe there’s a general rule of thumb no matter what, but I personally don’t know what that is.)

[sdcellar]

and looking more fully, I guess your original post did say “a few years.”

(but I still wouldn’t mind understanding your shortest time horizon. For me at least, the further out one goes, the harder it is to come up with an answer. Maybe there’s a general rule of thumb no matter what, but I personally don’t know what that is.)

[sdcellar]

masayako– I have to say I’m having a hard time fully understanding what question you’re looking to answer. I understand the original post, which is how much to put down and what type of loan to get, but further along, you say that you’re on track to have 50% down in 3 years time.

This introduces the factor of when you’d actually be pulling the trigger. On first glance, one might conclude that you plan on purchasing three years from now and are simply wondering how you might approach it when you get there. Thinking about it a bit more deeply, it seems you could be considering a number of other alternatives.

Perhaps you have 20% today, so if that’s a good idea, you would buy today (assuming there’s something you like).

Perhaps you really are three years out, but you want to think about how you might lock up your money. That is, you decide you like half down, so you need to be fully liquid to the tune of $500K in three years.

And, I could go on and on.

I guess what strikes me is your’re asking the question today (well, the other day, really). If you’re three years out, then I’d say save as much as you can, invest it wisely (easier said than done, as someone said, more reward indicates higher risk) and continue to noodle on how much to put down and what vehicle you might use to finance it. It doesn’t do you any good to ponder 4.25% interest rates offered today because who knows where that will be three years from now. Same thing with your million dollar house. Not many meeting your criteria today and who knows what it will look like in three years. Could be a lot more (and cheaper). Or not.

So I guess the short version is “What is your time horizon?”

(and, yes, “between 0 and 3 years” is a fair answer)

Just trying to fully understand the question.

[sdcellar]

masayako– I have to say I’m having a hard time fully understanding what question you’re looking to answer. I understand the original post, which is how much to put down and what type of loan to get, but further along, you say that you’re on track to have 50% down in 3 years time.

This introduces the factor of when you’d actually be pulling the trigger. On first glance, one might conclude that you plan on purchasing three years from now and are simply wondering how you might approach it when you get there. Thinking about it a bit more deeply, it seems you could be considering a number of other alternatives.

Perhaps you have 20% today, so if that’s a good idea, you would buy today (assuming there’s something you like).

Perhaps you really are three years out, but you want to think about how you might lock up your money. That is, you decide you like half down, so you need to be fully liquid to the tune of $500K in three years.

And, I could go on and on.

I guess what strikes me is your’re asking the question today (well, the other day, really). If you’re three years out, then I’d say save as much as you can, invest it wisely (easier said than done, as someone said, more reward indicates higher risk) and continue to noodle on how much to put down and what vehicle you might use to finance it. It doesn’t do you any good to ponder 4.25% interest rates offered today because who knows where that will be three years from now. Same thing with your million dollar house. Not many meeting your criteria today and who knows what it will look like in three years. Could be a lot more (and cheaper). Or not.

So I guess the short version is “What is your time horizon?”

(and, yes, “between 0 and 3 years” is a fair answer)

Just trying to fully understand the question.

[sdcellar]

masayako– I have to say I’m having a hard time fully understanding what question you’re looking to answer. I understand the original post, which is how much to put down and what type of loan to get, but further along, you say that you’re on track to have 50% down in 3 years time.

This introduces the factor of when you’d actually be pulling the trigger. On first glance, one might conclude that you plan on purchasing three years from now and are simply wondering how you might approach it when you get there. Thinking about it a bit more deeply, it seems you could be considering a number of other alternatives.

Perhaps you have 20% today, so if that’s a good idea, you would buy today (assuming there’s something you like).

Perhaps you really are three years out, but you want to think about how you might lock up your money. That is, you decide you like half down, so you need to be fully liquid to the tune of $500K in three years.

And, I could go on and on.

I guess what strikes me is your’re asking the question today (well, the other day, really). If you’re three years out, then I’d say save as much as you can, invest it wisely (easier said than done, as someone said, more reward indicates higher risk) and continue to noodle on how much to put down and what vehicle you might use to finance it. It doesn’t do you any good to ponder 4.25% interest rates offered today because who knows where that will be three years from now. Same thing with your million dollar house. Not many meeting your criteria today and who knows what it will look like in three years. Could be a lot more (and cheaper). Or not.

So I guess the short version is “What is your time horizon?”

(and, yes, “between 0 and 3 years” is a fair answer)

Just trying to fully understand the question.

[sdcellar]

masayako– I have to say I’m having a hard time fully understanding what question you’re looking to answer. I understand the original post, which is how much to put down and what type of loan to get, but further along, you say that you’re on track to have 50% down in 3 years time.

This introduces the factor of when you’d actually be pulling the trigger. On first glance, one might conclude that you plan on purchasing three years from now and are simply wondering how you might approach it when you get there. Thinking about it a bit more deeply, it seems you could be considering a number of other alternatives.

Perhaps you have 20% today, so if that’s a good idea, you would buy today (assuming there’s something you like).

Perhaps you really are three years out, but you want to think about how you might lock up your money. That is, you decide you like half down, so you need to be fully liquid to the tune of $500K in three years.

And, I could go on and on.

I guess what strikes me is your’re asking the question today (well, the other day, really). If you’re three years out, then I’d say save as much as you can, invest it wisely (easier said than done, as someone said, more reward indicates higher risk) and continue to noodle on how much to put down and what vehicle you might use to finance it. It doesn’t do you any good to ponder 4.25% interest rates offered today because who knows where that will be three years from now. Same thing with your million dollar house. Not many meeting your criteria today and who knows what it will look like in three years. Could be a lot more (and cheaper). Or not.

So I guess the short version is “What is your time horizon?”

(and, yes, “between 0 and 3 years” is a fair answer)

Just trying to fully understand the question.

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