[sdcellar]

Details? I think you may have that reversed. Forest and trees, same thing. I’d answer your “tipping” question, but unfortunately, that requires detail and I’m not sure if that’s allowed.

What I can say is you ignore square footage when it suits you and things like cul-de-sacs, location and lot sizes (and layouts).

If you saw the forest, you’d understand that even historically, some people made better and worse purchases, but you ignore that and make stunning assumptions. You seem to have a predilection to gravitate toward the ones that make you look better.

As far as refinancing, I was talking about your rate, not the comps (which makes no sense to me, btw). Using the same 80% LTV, I just can’t get the numbers you can for the rough rate it was at the time you bought.

[sdcellar]

It was a fun lunchtime project, but I now that I know the details of the comps, yes, you’re doing a lot of guessing. Are you factoring in a refinance as well?

Can we ever have a discussion where you don’t tip every variable in your favor to the fullest extent possible?

[sdcellar]

It was a fun lunchtime project, but I now that I know the details of the comps, yes, you’re doing a lot of guessing. Are you factoring in a refinance as well?

Can we ever have a discussion where you don’t tip every variable in your favor to the fullest extent possible?

[sdcellar]

It was a fun lunchtime project, but I now that I know the details of the comps, yes, you’re doing a lot of guessing. Are you factoring in a refinance as well?

Can we ever have a discussion where you don’t tip every variable in your favor to the fullest extent possible?

[sdcellar]

It was a fun lunchtime project, but I now that I know the details of the comps, yes, you’re doing a lot of guessing. Are you factoring in a refinance as well?

Can we ever have a discussion where you don’t tip every variable in your favor to the fullest extent possible?

[sdcellar]

It was a fun lunchtime project, but I now that I know the details of the comps, yes, you’re doing a lot of guessing. Are you factoring in a refinance as well?

Can we ever have a discussion where you don’t tip every variable in your favor to the fullest extent possible?

[sdcellar]

I’ve seen that before and I thought it was going to be awesome, but it appears to be missing sales? (i.e. some of the ones we’ve found on both Redfin and Zillow). Still useful though, so thanks.

Anyway, I have to say I am totally confused at this point with whatever numbers you’re saying are right for you. In no instance, do I have you doing better than 2000 or 2001, even if I use your preferred comp. Here’s the “best” I could find for your comps (best meaning highest, not most representative, typical, realistic, etc…)

2000 – $285,000, 8.29% (300 sq. ft bigger)
2001 – $359,000, 6.95%

So 2000 would be 56% higher in price and 15% higher in payment; 2001 would be 24% higher in price (as you said originally) and 4% in payment.

Maybe I’m using wrong assumptions for payment or something.

With the 2000 example, it looks like you’re pretty close to what ocrenter was talking about, though.

…and I’m still working on the numbers my house. The link you provided is helpful, but it’s all very slow going. So far, I don’t think I’m as close as you are.

[sdcellar]

I’ve seen that before and I thought it was going to be awesome, but it appears to be missing sales? (i.e. some of the ones we’ve found on both Redfin and Zillow). Still useful though, so thanks.

Anyway, I have to say I am totally confused at this point with whatever numbers you’re saying are right for you. In no instance, do I have you doing better than 2000 or 2001, even if I use your preferred comp. Here’s the “best” I could find for your comps (best meaning highest, not most representative, typical, realistic, etc…)

2000 – $285,000, 8.29% (300 sq. ft bigger)
2001 – $359,000, 6.95%

So 2000 would be 56% higher in price and 15% higher in payment; 2001 would be 24% higher in price (as you said originally) and 4% in payment.

Maybe I’m using wrong assumptions for payment or something.

With the 2000 example, it looks like you’re pretty close to what ocrenter was talking about, though.

…and I’m still working on the numbers my house. The link you provided is helpful, but it’s all very slow going. So far, I don’t think I’m as close as you are.

[sdcellar]

I’ve seen that before and I thought it was going to be awesome, but it appears to be missing sales? (i.e. some of the ones we’ve found on both Redfin and Zillow). Still useful though, so thanks.

Anyway, I have to say I am totally confused at this point with whatever numbers you’re saying are right for you. In no instance, do I have you doing better than 2000 or 2001, even if I use your preferred comp. Here’s the “best” I could find for your comps (best meaning highest, not most representative, typical, realistic, etc…)

2000 – $285,000, 8.29% (300 sq. ft bigger)
2001 – $359,000, 6.95%

So 2000 would be 56% higher in price and 15% higher in payment; 2001 would be 24% higher in price (as you said originally) and 4% in payment.

Maybe I’m using wrong assumptions for payment or something.

With the 2000 example, it looks like you’re pretty close to what ocrenter was talking about, though.

…and I’m still working on the numbers my house. The link you provided is helpful, but it’s all very slow going. So far, I don’t think I’m as close as you are.

[sdcellar]

I’ve seen that before and I thought it was going to be awesome, but it appears to be missing sales? (i.e. some of the ones we’ve found on both Redfin and Zillow). Still useful though, so thanks.

Anyway, I have to say I am totally confused at this point with whatever numbers you’re saying are right for you. In no instance, do I have you doing better than 2000 or 2001, even if I use your preferred comp. Here’s the “best” I could find for your comps (best meaning highest, not most representative, typical, realistic, etc…)

2000 – $285,000, 8.29% (300 sq. ft bigger)
2001 – $359,000, 6.95%

So 2000 would be 56% higher in price and 15% higher in payment; 2001 would be 24% higher in price (as you said originally) and 4% in payment.

Maybe I’m using wrong assumptions for payment or something.

With the 2000 example, it looks like you’re pretty close to what ocrenter was talking about, though.

…and I’m still working on the numbers my house. The link you provided is helpful, but it’s all very slow going. So far, I don’t think I’m as close as you are.

[sdcellar]

I’ve seen that before and I thought it was going to be awesome, but it appears to be missing sales? (i.e. some of the ones we’ve found on both Redfin and Zillow). Still useful though, so thanks.

Anyway, I have to say I am totally confused at this point with whatever numbers you’re saying are right for you. In no instance, do I have you doing better than 2000 or 2001, even if I use your preferred comp. Here’s the “best” I could find for your comps (best meaning highest, not most representative, typical, realistic, etc…)

2000 – $285,000, 8.29% (300 sq. ft bigger)
2001 – $359,000, 6.95%

So 2000 would be 56% higher in price and 15% higher in payment; 2001 would be 24% higher in price (as you said originally) and 4% in payment.

Maybe I’m using wrong assumptions for payment or something.

With the 2000 example, it looks like you’re pretty close to what ocrenter was talking about, though.

…and I’m still working on the numbers my house. The link you provided is helpful, but it’s all very slow going. So far, I don’t think I’m as close as you are.

[sdcellar]

You definitely did the right thing hanging on to get a house. You really can’t worry about what’s going to happen with prices, and it sounds like you don’t plan to. I’m pretty sure you’ll do better with your place than I’ll do with mine. Maybe I’ll catch back up further down the road…

I’ve been through this before and maybe I didn’t know enough at the time, but it’s fairly easy to get back to living your life and your house price does whatever it does. You avoided the big hit and that’s what matters.

[sdcellar]

You definitely did the right thing hanging on to get a house. You really can’t worry about what’s going to happen with prices, and it sounds like you don’t plan to. I’m pretty sure you’ll do better with your place than I’ll do with mine. Maybe I’ll catch back up further down the road…

I’ve been through this before and maybe I didn’t know enough at the time, but it’s fairly easy to get back to living your life and your house price does whatever it does. You avoided the big hit and that’s what matters.

[sdcellar]

You definitely did the right thing hanging on to get a house. You really can’t worry about what’s going to happen with prices, and it sounds like you don’t plan to. I’m pretty sure you’ll do better with your place than I’ll do with mine. Maybe I’ll catch back up further down the road…

I’ve been through this before and maybe I didn’t know enough at the time, but it’s fairly easy to get back to living your life and your house price does whatever it does. You avoided the big hit and that’s what matters.

[sdcellar]

You definitely did the right thing hanging on to get a house. You really can’t worry about what’s going to happen with prices, and it sounds like you don’t plan to. I’m pretty sure you’ll do better with your place than I’ll do with mine. Maybe I’ll catch back up further down the road…

I’ve been through this before and maybe I didn’t know enough at the time, but it’s fairly easy to get back to living your life and your house price does whatever it does. You avoided the big hit and that’s what matters.

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