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Posted

An FYI for anyone springing for a new roof - if you can afford it, look at getting the new grade 4 shingles that are available. They have the same impact resistance as metal roofs but are not as expensive. The Malarkey ones we installed are still pricey but we got over a 33% reduction in our insurance premium because of them. It highlights just how much hail & roof replacement is affecting insurance costs here in Texas.
 

Also note that some of the insurance customer support people aren’t aware of the discount - the rep I talked to said it wouldn’t matter but gave me the form to submit anyway. After submitting the documentation, the insurance company came back with the reduced cost. 

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Posted
5 hours ago, smokebomb said:

An FYI for anyone springing for a new roof - if you can afford it, look at getting the new grade 4 shingles that are available. They have the same impact resistance as metal roofs but are not as expensive. The Malarkey ones we installed are still pricey but we got over a 33% reduction in our insurance premium because of them. It highlights just how much hail & roof replacement is affecting insurance costs here in Texas.
 

Also note that some of the insurance customer support people aren’t aware of the discount - the rep I talked to said it wouldn’t matter but gave me the form to submit anyway. After submitting the documentation, the insurance company came back with the reduced cost. 

image.gif.e35f824f8b91d67000d0c8a3713262ef.gif

What a weird branding choice.  

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Posted
8 hours ago, smokebomb said:

An FYI for anyone springing for a new roof - if you can afford it, look at getting the new grade 4 shingles that are available. They have the same impact resistance as metal roofs but are not as expensive. The Malarkey ones we installed are still pricey but we got over a 33% reduction in our insurance premium because of them. It highlights just how much hail & roof replacement is affecting insurance costs here in Texas.
 

Also note that some of the insurance customer support people aren’t aware of the discount - the rep I talked to said it wouldn’t matter but gave me the form to submit anyway. After submitting the documentation, the insurance company came back with the reduced cost. 

I had my roof replaced last year, and even though I got the upgraded shingles and the waterproof membrane on my entire roof instead of just the valleys, it turns out the plywood that was installed decades ago was not thick enough to meet the fortified roof standard, and it would have cost a fortune to replace every sheet of plywood on my roof to get the fortified certification that reduced my homeowners premium.  

 $4K for ins, but in New Orleans that is a bargain.

 

 

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Posted
On 5/23/2025 at 3:04 PM, Slacks said:

Increasing Insurance costs and the increasing likelihood of flooding in Houston is what is going to drive me to move. I've thought about where to go next... I'm going to miss Houston. 

You shouldn't. Miss Houston, that is...

Posted

Probably won't apply to a whole lot of you (maybe some of your kids) but UWM has rolled out 5/1 ARMs for FHA and VA that run about a point lower than standard 30 years.  Buzz me if you want me to take a look at some numbers for you/your kids/your sugar baby

Posted

so, some of y'all will recall that I built a studio on my property that I rent furnished, mostly to travel nurses.  I've had two non-nurses, one IBEW apprentice lineman that was serving a segment of his apprenticeship here locally for 6 months or so, and my current tenant is a civil engineer that is working as a consultant at the nearby desalinization plant. He's leaving soon, so I'm advertising again.  I just got a phone call from an unknown number, and I've had a couple beers, so I didn't answer.  I then got a text asking if I had the unit for rent.  I'm leery as to who is asking, so I always say I have other interested parties (true), etc.   

I asked the text person "what's your situation?"    Here's the response.

I am in a home that I have to get out of. It is full of mold two of the world‘s deadliest molds, and it’s affecting me with my epilepsy and paralysis and affecting my dogs with their losing hair not eating, not having bathroom movements and we are just stuck in one room, which I am controlling the air quality in this room and down to the bathroom for the dogs then right back upstairs so I need to get out. They they currently have an eviction notice on me but we have a Escondido city of court compliance that states that this house is in inhabitable and they have to pay for me to be relocated and cannot charge me with any offense due to that relocation so that will take care of the eviction. My attorney say will take care of all that and then they will have not just one but two cases against them. One would be the mold which their lawyer was even kind of aware of it and actually put it in writing that there possibly was a mold hazard, and then also the pain and suffering, and the damage is done to me and my pets along with me falling down the flight of stairs And breaking multiple bones in my foot and in my knee and other cases that are being brought up to the mold testing  but right now I just need to get out. I need to find a place where I can have fresh air for me for my dogs for them to feel comfortable and not just in a cocoon and be able to move around. They are on leashes at all times, but if you did have a like a fenced in area, they would love something like that, but that’s what they were used to when we lived in Maryland, but since we moved back to California they’ve been always unleashes and I do have a daughter that lives here and like I said a son and another daughter who lives in For Huachuca, Arizona so a lot of family here and a lot of very close friends. I worked on Camp Pendleton for six years as paralegal so I am 17 years with paralegal and legal officer in the military and working for the military so I am on my way to get my degree.

 

So, what's the board's consensus?  Sounds like a dream tenant, right?  Right?  

 

 

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Posted
14 minutes ago, Gil Bang said:

so, some of y'all will recall that I built a studio on my property that I rent furnished, mostly to travel nurses.  I've had two non-nurses, one IBEW apprentice lineman that was serving a segment of his apprenticeship here locally for 6 months or so, and my current tenant is a civil engineer that is working as a consultant at the nearby desalinization plant. He's leaving soon, so I'm advertising again.  I just got a phone call from an unknown number, and I've had a couple beers, so I didn't answer.  I then got a text asking if I had the unit for rent.  I'm leery as to who is asking, so I always say I have other interested parties (true), etc.   

I asked the text person "what's your situation?"    Here's the response.

I am in a home that I have to get out of. It is full of mold two of the world‘s deadliest molds, and it’s affecting me with my epilepsy and paralysis and affecting my dogs with their losing hair not eating, not having bathroom movements and we are just stuck in one room, which I am controlling the air quality in this room and down to the bathroom for the dogs then right back upstairs so I need to get out. They they currently have an eviction notice on me but we have a Escondido city of court compliance that states that this house is in inhabitable and they have to pay for me to be relocated and cannot charge me with any offense due to that relocation so that will take care of the eviction. My attorney say will take care of all that and then they will have not just one but two cases against them. One would be the mold which their lawyer was even kind of aware of it and actually put it in writing that there possibly was a mold hazard, and then also the pain and suffering, and the damage is done to me and my pets along with me falling down the flight of stairs And breaking multiple bones in my foot and in my knee and other cases that are being brought up to the mold testing  but right now I just need to get out. I need to find a place where I can have fresh air for me for my dogs for them to feel comfortable and not just in a cocoon and be able to move around. They are on leashes at all times, but if you did have a like a fenced in area, they would love something like that, but that’s what they were used to when we lived in Maryland, but since we moved back to California they’ve been always unleashes and I do have a daughter that lives here and like I said a son and another daughter who lives in For Huachuca, Arizona so a lot of family here and a lot of very close friends. I worked on Camp Pendleton for six years as paralegal so I am 17 years with paralegal and legal officer in the military and working for the military so I am on my way to get my degree.

 

So, what's the board's consensus?  Sounds like a dream tenant, right?  Right?  

 

 

Sent from my iPhone

I reply very late to these kinds of texts.  

Posted
37 minutes ago, Gil Bang said:

so, some of y'all will recall that I built a studio on my property that I rent furnished, mostly to travel nurses.  I've had two non-nurses, one IBEW apprentice lineman that was serving a segment of his apprenticeship here locally for 6 months or so, and my current tenant is a civil engineer that is working as a consultant at the nearby desalinization plant. He's leaving soon, so I'm advertising again.  I just got a phone call from an unknown number, and I've had a couple beers, so I didn't answer.  I then got a text asking if I had the unit for rent.  I'm leery as to who is asking, so I always say I have other interested parties (true), etc.   

I asked the text person "what's your situation?"    Here's the response.

I am in a home that I have to get out of. It is full of mold two of the world‘s deadliest molds, and it’s affecting me with my epilepsy and paralysis and affecting my dogs with their losing hair not eating, not having bathroom movements and we are just stuck in one room, which I am controlling the air quality in this room and down to the bathroom for the dogs then right back upstairs so I need to get out. They they currently have an eviction notice on me but we have a Escondido city of court compliance that states that this house is in inhabitable and they have to pay for me to be relocated and cannot charge me with any offense due to that relocation so that will take care of the eviction. My attorney say will take care of all that and then they will have not just one but two cases against them. One would be the mold which their lawyer was even kind of aware of it and actually put it in writing that there possibly was a mold hazard, and then also the pain and suffering, and the damage is done to me and my pets along with me falling down the flight of stairs And breaking multiple bones in my foot and in my knee and other cases that are being brought up to the mold testing  but right now I just need to get out. I need to find a place where I can have fresh air for me for my dogs for them to feel comfortable and not just in a cocoon and be able to move around. They are on leashes at all times, but if you did have a like a fenced in area, they would love something like that, but that’s what they were used to when we lived in Maryland, but since we moved back to California they’ve been always unleashes and I do have a daughter that lives here and like I said a son and another daughter who lives in For Huachuca, Arizona so a lot of family here and a lot of very close friends. I worked on Camp Pendleton for six years as paralegal so I am 17 years with paralegal and legal officer in the military and working for the military so I am on my way to get my degree.

 

So, what's the board's consensus?  Sounds like a dream tenant, right?  Right?  

 

 

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You, too, can soon join that exciting hobby of hiring defense attorneys…

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Posted
9 hours ago, Gil Bang said:

so, some of y'all will recall that I built a studio on my property that I rent furnished, mostly to travel nurses.  I've had two non-nurses, one IBEW apprentice lineman that was serving a segment of his apprenticeship here locally for 6 months or so, and my current tenant is a civil engineer that is working as a consultant at the nearby desalinization plant. He's leaving soon, so I'm advertising again.  I just got a phone call from an unknown number, and I've had a couple beers, so I didn't answer.  I then got a text asking if I had the unit for rent.  I'm leery as to who is asking, so I always say I have other interested parties (true), etc.   

I asked the text person "what's your situation?"    Here's the response.

I am in a home that I have to get out of. It is full of mold two of the world‘s deadliest molds, and it’s affecting me with my epilepsy and paralysis and affecting my dogs with their losing hair not eating, not having bathroom movements and we are just stuck in one room, which I am controlling the air quality in this room and down to the bathroom for the dogs then right back upstairs so I need to get out. They they currently have an eviction notice on me but we have a Escondido city of court compliance that states that this house is in inhabitable and they have to pay for me to be relocated and cannot charge me with any offense due to that relocation so that will take care of the eviction. My attorney say will take care of all that and then they will have not just one but two cases against them. One would be the mold which their lawyer was even kind of aware of it and actually put it in writing that there possibly was a mold hazard, and then also the pain and suffering, and the damage is done to me and my pets along with me falling down the flight of stairs And breaking multiple bones in my foot and in my knee and other cases that are being brought up to the mold testing  but right now I just need to get out. I need to find a place where I can have fresh air for me for my dogs for them to feel comfortable and not just in a cocoon and be able to move around. They are on leashes at all times, but if you did have a like a fenced in area, they would love something like that, but that’s what they were used to when we lived in Maryland, but since we moved back to California they’ve been always unleashes and I do have a daughter that lives here and like I said a son and another daughter who lives in For Huachuca, Arizona so a lot of family here and a lot of very close friends. I worked on Camp Pendleton for six years as paralegal so I am 17 years with paralegal and legal officer in the military and working for the military so I am on my way to get my degree.

 

So, what's the board's consensus?  Sounds like a dream tenant, right?  Right?  

 

 

Sent from my iPhone

Setting the text content aside, I wouldn’t want to associate myself with someone that sends that much info in a text.

honesty I’m on the fence about blocking you on surly for pasting that much crap 😀

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Posted
11 hours ago, Gil Bang said:

so, some of y'all will recall that I built a studio on my property that I rent furnished, mostly to travel nurses.  I've had two non-nurses, one IBEW apprentice lineman that was serving a segment of his apprenticeship here locally for 6 months or so, and my current tenant is a civil engineer that is working as a consultant at the nearby desalinization plant. He's leaving soon, so I'm advertising again.  I just got a phone call from an unknown number, and I've had a couple beers, so I didn't answer.  I then got a text asking if I had the unit for rent.  I'm leery as to who is asking, so I always say I have other interested parties (true), etc.   

I asked the text person "what's your situation?"    Here's the response.

I am in a home that I have to get out of. It is full of mold two of the world‘s deadliest molds, and it’s affecting me with my epilepsy and paralysis and affecting my dogs with their losing hair not eating, not having bathroom movements and we are just stuck in one room, which I am controlling the air quality in this room and down to the bathroom for the dogs then right back upstairs so I need to get out. They they currently have an eviction notice on me but we have a Escondido city of court compliance that states that this house is in inhabitable and they have to pay for me to be relocated and cannot charge me with any offense due to that relocation so that will take care of the eviction. My attorney say will take care of all that and then they will have not just one but two cases against them. One would be the mold which their lawyer was even kind of aware of it and actually put it in writing that there possibly was a mold hazard, and then also the pain and suffering, and the damage is done to me and my pets along with me falling down the flight of stairs And breaking multiple bones in my foot and in my knee and other cases that are being brought up to the mold testing  but right now I just need to get out. I need to find a place where I can have fresh air for me for my dogs for them to feel comfortable and not just in a cocoon and be able to move around. They are on leashes at all times, but if you did have a like a fenced in area, they would love something like that, but that’s what they were used to when we lived in Maryland, but since we moved back to California they’ve been always unleashes and I do have a daughter that lives here and like I said a son and another daughter who lives in For Huachuca, Arizona so a lot of family here and a lot of very close friends. I worked on Camp Pendleton for six years as paralegal so I am 17 years with paralegal and legal officer in the military and working for the military so I am on my way to get my degree.

 

So, what's the board's consensus?  Sounds like a dream tenant, right?  Right?  

 

 

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Respond with this:

 

1rzgZOjqLmDQli0IkthyUYJ370IOP0c1aHi1HGWI

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Posted
On 6/2/2025 at 8:49 PM, Gil Bang said:

so, some of y'all will recall that I built a studio on my property that I rent furnished, mostly to travel nurses.  I've had two non-nurses, one IBEW apprentice lineman that was serving a segment of his apprenticeship here locally for 6 months or so, and my current tenant is a civil engineer that is working as a consultant at the nearby desalinization plant. He's leaving soon, so I'm advertising again.  I just got a phone call from an unknown number, and I've had a couple beers, so I didn't answer.  I then got a text asking if I had the unit for rent.  I'm leery as to who is asking, so I always say I have other interested parties (true), etc.   

I asked the text person "what's your situation?"    Here's the response.

I am in a home that I have to get out of. It is full of mold two of the world‘s deadliest molds, and it’s affecting me with my epilepsy and paralysis and affecting my dogs with their losing hair not eating, not having bathroom movements and we are just stuck in one room, which I am controlling the air quality in this room and down to the bathroom for the dogs then right back upstairs so I need to get out. They they currently have an eviction notice on me but we have a Escondido city of court compliance that states that this house is in inhabitable and they have to pay for me to be relocated and cannot charge me with any offense due to that relocation so that will take care of the eviction. My attorney say will take care of all that and then they will have not just one but two cases against them. One would be the mold which their lawyer was even kind of aware of it and actually put it in writing that there possibly was a mold hazard, and then also the pain and suffering, and the damage is done to me and my pets along with me falling down the flight of stairs And breaking multiple bones in my foot and in my knee and other cases that are being brought up to the mold testing  but right now I just need to get out. I need to find a place where I can have fresh air for me for my dogs for them to feel comfortable and not just in a cocoon and be able to move around. They are on leashes at all times, but if you did have a like a fenced in area, they would love something like that, but that’s what they were used to when we lived in Maryland, but since we moved back to California they’ve been always unleashes and I do have a daughter that lives here and like I said a son and another daughter who lives in For Huachuca, Arizona so a lot of family here and a lot of very close friends. I worked on Camp Pendleton for six years as paralegal so I am 17 years with paralegal and legal officer in the military and working for the military so I am on my way to get my degree.

 

So, what's the board's consensus?  Sounds like a dream tenant, right?  Right?  

 

 

Sent from my iPhone

Yeah, wait till this tenant conjures up something wrong at your property and you have to refund them all of the rent collected, then pay for their mental anguish and suffering.   
 

CHIEF

Posted

are any of y'all familiar with the term "broken" as it relates to a condo building?   I get a newsletter from a big commercial lender every week or so, and this week they are tooting their own horn because they placed a loan on a 125 unit "broken condo building".   I've got a lot of experience with distressed assets, but I've never seen "broken" before. 

Any idea what that means?

 

Posted (edited)

I believe it means the condo complex has or is converting to apartments. 

Edit to say*  or perhaps being rehab'd/recap'd as the original condo association has failed.   

Edited by Incredulity
Posted
2 hours ago, Gil Bang said:

are any of y'all familiar with the term "broken" as it relates to a condo building?   I get a newsletter from a big commercial lender every week or so, and this week they are tooting their own horn because they placed a loan on a 125 unit "broken condo building".   I've got a lot of experience with distressed assets, but I've never seen "broken" before. 

Any idea what that means?

 

Quote

 

A "broken" or "fractured"condominium project refers to a multifamily residential property where the developer or owner has less than 100% ownership of the units, often meaning there are unsold or leased units mixed with those owned by individual homeowners. This situation can arise when a project is not fully sold or when market conditions change, leaving some units unsold or in a state of incomplete development. 

That is from my iPhone and our AI Overlords 

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Posted

Yea it probably means it was developed (or converted) as a condo project in 05-08 time frame, and some were sold, but then the market tanked and the rest had to be sold and operated as an apartment project.

There are a fair number of those around. And they are challenges to operate for a number of reasons.

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Posted

holy fuck the mortgage industry can blow me.

apply for a home equity loan at Frost, shows up on my credit report yesterday, have gotten 20 calls in the last hour.

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Posted (edited)
2 hours ago, blacklab said:

holy fuck the mortgage industry can blow me.

apply for a home equity loan at Frost, shows up on my credit report yesterday, have gotten 20 calls in the last hour.

It’s not the mortgage industry man- it’s the damn credit bureaus selling your shit. 
I tried for 2 years and 10k of my own money to lobby (with hundreds of other mortgage professionals) to get this fixed for the consumer. 

was just at a junket for high producers the past three days out in La and their DC geek said it should get done late this year. We shall see. There’s like 2 people that oppose the bill (we lobbied both sides and they were both on board- the reps from the district where experian and Equifax are located. 
shits awful. 
we do soft pulls and have our consumers opt out to avoid this shit- costs us an extra $77.50 every time we take an application. Most of that doesn’t get passed on to consumer. 
 

Edited by Wulaw Horn
Posted
1 hour ago, blacklab said:

holy fuck the mortgage industry can blow me.

apply for a home equity loan at Frost, shows up on my credit report yesterday, have gotten 20 calls in the last hour.

It’s WAY WAY upthread, but you can go here to stop them. 
 

And yes, it’s not Frost’s fault, it’s the credit bureaus (I guess you can blame the industry for so relying on credit scores, but that’s a little like blaming Ford for gas prices).  

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Posted

up to 50 now on the day

Yes, the credit bureaus are at the base of the fault, but who the hell is calling me? People from some other industry? 

yeah, I did fill that out the no opt in a few days ago

Posted
51 minutes ago, blacklab said:

up to 50 now on the day

Yes, the credit bureaus are at the base of the fault, but who the hell is calling me? People from some other industry? 

yeah, I did fill that out the no opt in a few days ago

To your point, I've been checking out the Loan Originator subreddit lately and it's interesting seeing LO's admit to using trigger leads (by comparison, all of my professional network is overwhelmingly referral based).  I know it sucks on the consumer side, but I also feel for them because that's a shitty, shitty way to make a living and they haven't had the breadth of experience to know that yet.  They are stuck in a call center making 20-30 phone calls an hour to convert 1% of them. 

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Posted
2 hours ago, LCHorn said:

To your point, I've been checking out the Loan Originator subreddit lately and it's interesting seeing LO's admit to using trigger leads (by comparison, all of my professional network is overwhelmingly referral based).  I know it sucks on the consumer side, but I also feel for them because that's a shitty, shitty way to make a living and they haven't had the breadth of experience to know that yet.  They are stuck in a call center making 20-30 phone calls an hour to convert 1% of them. 

A lot of former FHA clients have been hit with spam texts this week. Different numbers but same gist.  And most have closed a while ago. I can't see these texts being all that successful but they did get my former clients back in front of me so kudos random 10 digit spam number guys 

Posted
6 hours ago, blacklab said:

holy fuck the mortgage industry can blow me.

apply for a home equity loan at Frost, shows up on my credit report yesterday, have gotten 20 calls in the last hour.

Yeah, we just refi'd our construction loan.  The number of calls we got was absurd.  

Posted
1 hour ago, blacklab said:

up over 100 calls today

When I was lobbying the person that was the head of our lobbying group said she was going to fill out an application and not monkey around with changing phone numbers, email addresses or opting out. She said she had 476 calls or something like that in the first week. 

So, 100 is light, you've got more headed your way.  

It really is the shittiest part of the entire customer experience. Sign the petition and call your congressman. Doesn't matter if it's a GOP or Dem there are tons from both sides supporting the bill. 

Posted
23 minutes ago, Wulaw Horn said:

When I was lobbying the person that was the head of our lobbying group said she was going to fill out an application and not monkey around with changing phone numbers, email addresses or opting out. She said she had 476 calls or something like that in the first week. 

So, 100 is light, you've got more headed your way.  

It really is the shittiest part of the entire customer experience. Sign the petition and call your congressman. Doesn't matter if it's a GOP or Dem there are tons from both sides supporting the bill. 

The lobbyists won, unfortunately, the CFPB withdrew their proposals on data broker protections.
 

Quote

But on Tuesday, the Vought-led CFPB quietly announced in the Federal Register that it was withdrawing the proposed rules, stating that they are “not necessary or appropriate at this time.” The CFPB’s argument against the proposed rules revolved around a  single comment left during the public comment period about the proposed rules’ “propriety under the plain text of the FCRA.” 


https://www.consumerfinancialserviceslawmonitor.com/2025/05/cfpb-withdraws-proposed-fcra-data-broker-rule/
 

Posted
40 minutes ago, Gravy Train said:

The lobbyists won, unfortunately, the CFPB withdrew their proposals on data broker protections.
 


https://www.consumerfinancialserviceslawmonitor.com/2025/05/cfpb-withdraws-proposed-fcra-data-broker-rule/
 

You misunderstand/ we weren’t lobbying the cfpb but rather Congress. 
it’s a crazy thing that happened in maybe the first 220 years of the country but once upon a time Congress actually passed laws that most of the people liked (or at least it was expected of them) rather than shrugging their shoulders and pointing their fingers at the regulatory state. That’s allegedly what’s happening here. I will believe it when I see it I suppose. 

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