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LCHorn

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Everything posted by LCHorn

  1. For me, Gomez is very worthy. Going back in history, in addition to most relievers generally I hated any Astro whose main claim to fame was stolen bases. This is probably less an indictment on them than on the Astros management or beat writers talking up the value of an Eric Yelding, Gerald Young, Brian Hunter, Roger Cedeno, and Willy Taveras as if the steals count somehow made the 30% on base average acceptable.
  2. Is there anything weird about it? I'm at 97.375 on a FHA $300K purchase; I can deviate down to 97.625 before I'd need to charge a discount point and I've been getting my shit pushed in regularly on pricing. Quick edit--I'm at 97.375% at 6.625%
  3. I'm weirdly not seeing investor repricing, maybe it's still coming..
  4. Early dove season is usually miserable hot for any evening hunting and this year is going to be the worst (presuming any birds are still alive).
  5. I drove by Anderson high school Thursday about 3 pm in the afternoon and the band was outside practicing on the parking lot. That’s got to be child abuse.
  6. I’ve seen this repeated so not just picking on you, but an actuary would likely say that Biden is on borrowed time. I don’t think an unspecified Democrat or Harris a shoo-in.
  7. Well, I mean it does in the sense that there's not an infinite amount of money and it sounds like we had to make a larger counter-offer yesterday. I'm curious if that's liable to make less available for Black, Mack, or whoever is left on the board. Or does LSU now have more money available for McKinley. Regardless, it's satisfying to win one of these instead of lose it to LSU or Aggie and then we find out it was a relatively tolerable amount if paid through legitimate means.
  8. I'm really curious what this one cost and how much is left over.
  9. I've not been paying attention to rates all day--why is Habib pushing alert to lock with the market up 20 bps from earlier?
  10. If I'm being honest I kind of hate all relievers, probably as a result of watching Doug Jones alternate ERA's in the 2's with ERA's in the 5's. Too much volatility.
  11. Although in true “Austin excellence” fashion the deluge, when it comes, will likely result in debris runoff into the highland lakes that exceeds what can be filtered and we’ll have a boil water notice for a week or two.
  12. I can’t recall who it was but there was someone on the Baseball Prospectus staff that thought Cosart was a unicorn. Great stuff, low strikeout rate and a super high strand rate they credited to pitches that died on play.
  13. I’m very much dating myself but the Phil Hartman Adobe car from 1986 was my first exposure to the SNL commercials.
  14. I like to think it's carryover depression from the Colin Simmons recruitment. We're all afraid to check the recruiting thread for updates.
  15. I still have a Habib sub but I put my MBS Quoteline subscription on pause because the last thing I need right now is multiple texts throughout the day updating me on market deterioration.
  16. Yeah, don't be a blue falcon. You should encourage him in whatever path he feels is best.
  17. Also, fwiw, he could buy a primary here and we could manually underwrite it, it’s just on investment properties that this comes into play.
  18. He’s buying an investment property. His address for the credit pull would be a domestic US address he uses for business correspondence and that’s how we did purchase loans for him last year. Unfortunately not, it’s not corroborated by his tax returns and his VOE identifying him as a resident of Singapore.
  19. That what I said, too, apparently in error. We escalated to Fannie who pointed to this: ”To obtain a credit report that is compatible with DU loan casefile requirements, the borrower's present address must be within the U.S. or U.S. territories, with the exception of an Army Post Office (APO), Fleet Post Office (FPO), or Diplomatic Post Office (DPO) military address.” Per Fannie, it’s one of the more common causes of repurchase. So it’s not simply a matter of credit risk as determined by the credit history.
  20. Let me ask a question for @UTPhil2006, @Wulaw Horn, @Neonmoon--US citizen buyer on investment purchase, living abroad in Singapore most recent two years (per tax returns). Maintains US credit history via family home (currently leased during sojourn away) and pulling credit with high scores isn't an issue. Can you make them a Fannie/Freddie loan?
  21. I don’t really think you can play that game. What we are paying for (in prospects and remaining salary) is for Verlander today (a diminished Verlander compared to Cy Young Verlander) on the Astros today (who are themselves diminished because of injuries). If you think of the prospects as trade chits then it’s really a matter of whether they are more useful making this deal than on another deal TODAY (say for Cease).
  22. I don't know if I'd categorize myself that way (analytics goober would be fair), but I think this deal is a home run compared to the Gravemen trade. The money coming back also leaves the team in a position to add during the winter.
  23. Was the finale bad? I didn't watch it because I didn't care.
  24. I'm sorry, I'm really not sure what point you're attempting to make. That Luhnow benefited from drafting high and that he really wasn't all that great?
  25. I'd like to think that baseball remains the one sport that rewards the smartest teams with the ability to defer a "shit cycle" the longest. I also think there's a pretty good chance this year's starting rotation is just too weak to try to double-down on improving this year's team short of adding a playoff quality starter like Verlander.
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