Mar 11, 2017|
House Plans by Countybank Mortgage
Automatically Generated Transcript (may not be 100% accurate)
Welcome to house plans glad to be released today. Everybody is out to buy and bread and Mayo is gonna snow remarks. That's ridiculous I happen I would say it was also in March I was just in ready for the masters commercials IMAP. As the day is a ballooning and now it's gonna see now that's labor happens and gets a solid kicking around here. Snow and calendar entries or Milan in the Bermuda is green and an innocent. It's fairways are fairly pleasant green track I think our they usually don't I don't know how we're gonna wanna last armies are fairly well I was proud and we've got old they are a guy the federal gas RNC not drive and alone on the fairway. Our Josh job on the fairway and drive fairway you know we've been way too busy for him to work on anything to get out. Yesterday were missing national planned for yesterday peers were down and as it would have been yesterday yesterday and this programming time Gallup that we come the department figures from our recommends and as many of people who can't home. That way the rest of whom have a unified together adultery in a strike and it's like who when it's Friday 73. Now you know Jane you wary 09 L it's Martin Mars cannot work out a way it was it was we have baseball has nine it was cold. And I have to be cold today you Clinton was here was India's most shall we Indies. That we understood all week this week sky meals to. This might be the last. Around some hideous and Alina it is today for your come out winner he come out baseball if. After about cold weather yeah Ali is sitting in days you know why the other day here and there. You know yeah my Taylor. It is cold and windy today is an England. Oh yeah cold and windy is here I'll tell us about yeah we actually we had a great trio but. We only had secondly you only one day where it was like that ever cast. 46 degrees and rain in the whole day in everything else was fifteen and sunny Hostin and great weather for England I but we had a great town that's also her soccer game at all got to go watch. Liverpool play arsenal to a 31 we known as include. And the last round Torre had had lunch and car and don't turn our car during thank you know we did not take a day and I take a couple things are variation only thinks that. Own the ticket is printed home fans only really asked. And so I ask about it over combat they're like oh yeah there's two things about being so Boller most people don't know it. The first one is it is very much home fans only if you sit in the visitor section has like that construction mash. Cynthia between them they can issue up again it's no end and well but end and they were cops every three rows in that section. Yes number one the second plane that I found variation is. You cannot consume alcohol. If you can see the pitch which is the field that's what the cup for and I was like so you can drink eat go buy you a and there sausage in a Bayer but you gotta drink it bounced as you can drink a beer in his Angie thank you cope in the stands. But did you change your beer in the stands and I guess to keep people from getting hammered on mama en us to science but as I was like this that that's kind of weird and a you know but there's for the teeth. Let's take it serious or there oil as 80000 mayors that are supporting. Mae and united we toward that's stadium and I think holds 76 foul and a and and you know that that's the most popular thing measure of course we went down the Liverpool watched Liverpool play. And I would say he's 60000. Yes but then you know some of the things. You know who did that either because there way there's works is slight filed levels and you can work your way he worked your way down. By the bottom fourteen to go get sent down in the top four teams in the in the league DelHomme gets enough yet right or I cannot lie. It's kind of like the minorities in the make your Major League and its all the time. And say they. They they will swap back and forth and say you might have attained that worst fairway area. In gets into my mind and I have a stadium that seats 151000. It right right you know and so is it's. I think everybody is about Dana band wagons air about about their team they don't care whether they win lose draw the tone for the attainment nobody at the de Mayo yet it took us adjusting. Yeah we went to a bar in Manchester mature head on his Liverpool Jersey he said Dutton is there really yes. And it was a lie and I asked him a citizen of the Jersey is attained his ISIS' detain ease at last galloped in here would that winning Kathy Fisher wound up on the fact has. And he's like you put you on unmanned U energy coming. Tony you anywhere in that here while I mean every step they take your American Alia. Coming out sort dying they had that I. I have more trouble understanding on the and they did as they Conosoga phones in a funny in a stolen here it was it was a great trip there are highly recommend it. Well very cool very cool Meehan. T we'll have to solve that. Yeah I'll go to Q outlets got yeah who yeah something's a mile list. Time will listen we appreciate and tireless there's textures of phone calls we need some today if you got a question or comment we are gonna talk a little real state today. 86644. Til you're 7553. That is a toll free number. 86644275. DD three that text line is open as well. 71307. Izzy text number we're gonna talk a little real estate. The market has remained hot here in the upstate so. A lot of people working keeping looks like your dress for success today so. You you go beyond a doubt the and I got an early appointment a good game Melissa will be back right after this you listen houseplants. We're back talking real estate after this message. Oh welcome back you listen the house plans JD Chris from Kelly may mortgage Keith Clark here with the buyer's broker. We are taking your text and phone calls today 86644270. About 53 Izzy phone number 866442. 7553. Textron is open as well as 713 or seven. He got a question about buying selling anything to do with real estate we get to callers on the line we're gonna go to Brandon. Whose got shag I'm position hey Brandon how are you. I'd go also are you here fantastic thanks colony. Oh yeah wouldn't it make solid. I've been reading about. Or ten days rough or case traditional IRAs and Roth are right. Oh what would be the best vehicle to. To invest in real estate search that you can avoid taxes if you were true. Our properties and flip comment about Rick you know maintain the gains and then keep going for what. Yeah you can do a self directed IRA is what's called. And you have to find the company that will allow you to do that and you also have found the cup Linder assuming that your not gonna do I'll catch steals. They'll allow you to use that vehicle to own and and the properties. And so it's a little bit challenging but there's several. That if you just to Google's self directed IRAs. Com and then you also look for things that will allow you to do real estate the rules are very particular. About how you hold title. How the money flows. And if you break the rules it can be very expensive from a tax standpoint. But at what your talking about can be a great way to invest JD and I know a guy. That tell we met we first got in the business. In green bowl. At the time that we met him as 2001. I guess. And he had over 300 properties inside of desire self directed Ross yeah IRA that's exactly what he had and he while. He was he had it down to a science she got to have addressed the got to make sure. You don't ever you don't personally ever touch the money or have any control. Over the money and so it's in his thing was he at a local community bank that was willing to make him loans. To the trust. And that is the hardest part because technically there's nobody for the bank to go back against for a judgment. The only thing they have is the collateral that the trust tolls and that can be Dicey yeah. While. Associated a lot of work cup record. Yes absolutely but not. But not a bad way to get to if you if you really concentrate on. You know it's. This guy obviously lacks any of 300 properties and he would be he would buy and flip he would buy. You know a mill hill home for 151000 dollars in the turn around and sell it to another investor for twenty. Four days later and then some are hereby and holding collect the rants in the recounts. Were paid in two. The higher Abed is it's a lot more complicated than people think but it is it's a full time job you know as safely as was his full time yes. Allow detectives I'm actually. A great job war hopefully be a pharmacist and how it would be easy access and com. Once I'm off my student loans to. You bet there's a source of residual income will be tax relief or a lot art. You mean you can't do it but it is it is a little more complicated because of the trust being involved in the fact that you cannot touch or control what's going down. And that's the party need to pay the most attention to. It's heritage what what Chris is saying there's a there's a wall between. Do you and the trustworthy. Self directed our way that's right. What he's to scrap many is that the investor himself as doing all the leg work but the decision making. Resides not the decision making but the financial component seven resides separately that trust you can't. You can't manage it yourself. Slow. And obviously if you're in the financial obviously gift that your skin in the game first. Yes I would take either do all the research and image you accumulate some assets. Then. And your research in there well I meeting entry point that try to accelerate this guy guessed. He figured out how to make it when he was in the right and quick and positioned and the two challenges our member of the trustee trying to. And that finding a lender that was willing to lend you money because he didn't do well that was the biggest challenge I remember the name of the bank was like mid Ohio so I'm not endorse this come eerie thing that was I don't highest savings or something yeah that's right Carlos Outdoor Channel two has so if you Google real estate self directed our day there will be some there are some iron in and there's a company in Texas it specializes and it. And there are some people in the upstate new yeast that company and Texas are you get mutual friend. Yeah. Our brand is getting anywhere else he can now reaches outside does the show it 331 home that's 33 wind. 4663. You can always and JD and email and asked JD. And county bank mortgage dot com will be happy in OP house play odds are deep and why aren't. Gas costs I don't get it in the right direction thanks I appreciate it. I we Robert on the slow lumbering old Robert are you. Bureaucratic are doing great thanks. The that your previous scholar is really all Lou although I really get tracks. He really is more financially educated sitting that is because. It was about my agent Tilly says Steve built. Yeah this match. What they go that far since she might be 55 and still has student loans and they should. You're sort of been changed but putting in place to do little choice they sort out the silly do it don't cheat. It's beginning to take 6820%. Every penny JG you pharmacy. In racial pot the pot a bit in the channel paper. When he hit that dollar 4250. It is personal call I'll strike it properly there can be your rights cannot talk about 200000. Atlanta area career couple that tiger panels to act out their heart and not try to look for. A hundred dollars it was an expert. You know harshly to virtually any. But it might catch but that is well financially. And plot and then we'll open up the tactical partly art. Let me tell you yeah you're okay protection. They know it's it's like yeah that's sort out there who are very tight fully. Events. That are scholar at the other stock that they. And editor of the that would compromise is not the only idiot that there orchard talk about it. You have four years ago retires let's send it pass that. Senate rules mandate it out old say that this. Yes they own particular couple that route 22 true a year or 124 trillion. But they follow it then it's four years ago to the holder to check out. Well that's why. More systemic thing is today. Tony yeah Martin secretary that the dates where currently bleeding Collison in the local you can Google is O global. This is not a like Cristobal. Were to sit beside you or your remote you have a shot billion alert. That's an economic panel right Harvard yesterday has to record. And chino BW in the reserves. Fruit blues channel stirred up until about science. Taylor killer and billion sort the results will have to be satisfied. And or bleakness sir if billions. Oh or happened some people really. It is collar workers they practiced attacked just want to bring up 4% penalty you're going polarism 135 or 40%. Very tight attack just by the 22% or greater 24%. Take your mind if Charlie bank put that changes that they've been buying into let's let the professionals. There were Tutsis Kennedy. Live in the recession else don't have a let it play and you got your hands oh yeah the last honest I don't absolutely have but yeah outreach program. All right thank you Robert we appreciate it. Is gonna pay endorsement. Well you know I'm ask I'm ask Ali all in in all most every money manager I know when the bottom follow it's and because it's been around and like crazy. And say to you know you need rice research and look at some other option drank. Well I think it's it's been then I mean it runs and on for eight years solid the end and I have to remember you're talking to some money. Recently and end they were talking about you we found work and this recession the F. Yes it recession usually very very nice way 2011 hello hello. And ready get back in the wind media all we are. It's an triggering flood stage is. I wanted to hit one more thing about the England trip owned air Keith when we were going through the hottest. Area of London. I converted it from pounds to dollars but the person given the two were said that the places we were drive and about went for. 6000. Dollars a square foot yet. Have to funny concept where world foot 6000. Dollars as well on the bus and that real estate lined I think it's a lot of them Hong Kong and then Manhattan gaps in nano now I was amazed that I was I can 6000 dollars a square foot that's amazing that that is amazing as about you know that's only about half what the rental market is down to a tree I. Cut. We were price and some rentals are well you know it was it was common cold it. One of the email things that I subscribe to put it out this week and we have been talking and about the price to Reynolds and I think Kiki said. You know several towns can be very interesting to see if the market will absorb. All these 45 large projects that are going on they don't I don't. And so I apartment apartment complex that's right in so I thought we'd hit on those just a little bit today. And then I JD you've got some some numbers to compared to buying just just to give us some ideas but it. We we one of the ones on the list was a 98. East may be. And I think that was is that one bedroom hideous and it was 18100 a month for the rant. As an opportunity yeah I think this is where the old. Firestone. Garage was yet and it originally was going to be I think. Mark can't homeland he was gonna put military hotel where. In that during the downturn in the and he changed his man I think the banks. We're not as excited during that period so anyway built built some apartments there. You know I was surprised to see the number I think. Apartments only that was the most expansive. In they wanted 18100. For a one bedroom unit now that is. I'd say you have fifty paces. From main street sure. Great place to live is very convenient. There in mid mid part of downtown on main street that equates to probably around 35375. This if you were buying it pay principal and interest principal and interest yeah. And I don't forget when your investing taxes or three times what they are yet if you got ambassador Ryan tried but but having said that. I was just surprised that the the Reynolds the pricing of Reynolds you're now. We expect does does big one of someday LC that Ellison was owned yet Ellis Sabra all the brand new project as one of those 45 that I was describing. Is coming homeland he teach you a beautiful studio for how much key at that Ellison. Thirteen nanny fat first is that. And Telecom and you know things and here we are a real two roundtable this week the atmosphere here came back and we re in the topic of downtown came out we had to attempt castor one of our appraisers comes just talk a little bit about. A couple of real estate agents were were share in some frustration at some out of area appraisers were coming into he's leaning on the market yeah. And you know saying they don't understand the market and they understand this man Tim castor obviously one of our appraiser has been around for a long time yes yes he's aged to usher really understand. How deadly outcome you know dares to get to the value here but say it's crazy right now. Well it's a good Wyndham win the a price or call received in malls and to put that they. Address in a GPS to find if I. That's contrary it's thirty miles away you really I need to know the downtown market. The comps I just looked in an appraisal that. The day that the cops were more than once things have damaged and by the way it was Tim talking about. Fannie Mae and Freddie Mac I'll island more than six months up to yeah yeah I found an interesting and of the at tam adjustment. Which way wind when you have escalating prices we come out that Tom that it took Acela. That that your idea yet if you've got to add something more than a six cell more than three marks in my GA and you can make a tam adjustment to the price of sanity the price right you know and I make join in on it if if you don't have it counted appraiser that knows that and knows how to apply properly. The Indian in you can get a difference of opinion last year three months would have been good at being in the downtown market you kind of equated 2% a month in some places yes amazing and it says that there are some very significant jump in pricing dampened. We're gonna head into our bottom of the hour break get a little news here. And probably whether talking about the snow way but. If you got a question about buying selling anything to do with the real estate do you get on the line this morning and 8664147553. Or you can hit us on the text line at seven no wind 307 that 71307. Peerless and house plans will be right back. Welcome back to elicit the house plans JD Chris Kelly bang mortgage Keith Clark with the buyer's broker. We are taking your text and phone calls today he takes on 713 or seven. Vote number 86604. To 7553. To circle back on topic we were. And I discussed in there in the first segment segment segment air. I had a text or said they use American IRA. For their self during an IRA so maybe American hiring is another. A little Google don't know anything about on tantamount yet to come out so anyway I listen we got another caller on the line we get Alan angry by Alan how are you. I'm com. Al's been downtrend on me during the concert rather report or maybe area. For the future also foreigners. Won't let it do. Whatever you did it. Or in a better bargains out there. Keith Clark has softball Jan and boat that both of them. Didn't believe it or not that that they. Significant increases that have seen recently. And they aren't in the north main area and let me guess direct. So. Settlement came out of the downturn. Quickly and surpassed. The original. Pricing of 2005. I've seen some 300 dollars square foot houses in the north main area. And at the roundtable JD I was talking to somebody who works at John Marks your market. And he was confirming that they in fact sold it that number I'm not just were priced. So I would tape that the north main theory is what's on fire right now. By the settlement at the top of the market but. Having said that I believe both our sites like OK so. If even if you don't overpay if you pay what the supporting prices are what's being supported. They either place would be a site like that's just my opinion about it because he we we are gonna continue to see. I scarcity of supply you increase demand in those markets. It. You can't just be careful you know what you are looking that. Look for some upside potential where he can add some square footage or renovate a little bit. Don't tight don't let somebody already eat extract all the yet sat out of the property. Does that make sense. And so you think you need a high quality buyer's agent who understands the market in and when he and knows what you're looking at when you see it. Allen looked a primary residents are you looking for investment. Yeah yeah yeah SS. Yes that's AM eleven north main area and related. You're you're not gonna get hurt if you don't I just know what's your look and make sure your educated. Make sure you're prepared when opportunity. Shows he sales of. 01 of the biggest components of that I would say it would have to be condition. When you're looking at that price like he said make sure you have some upside potential. To invest some additional funds they're could you add square footage. Because it makes a huge difference down layer of where you've got a two and one way the got a three into our foreign three. It makes a key which. Might be able ans square footage for a 125 dollars a third inning might yield. 250 dollars and exactly as long as the quad secondly you've got a lot of the investors flipping property in those areas and so what they're doing. This is renovating. In dairy extracting that at sack potential out. Side if you're gonna get a handle on your primary residence if you can say hey I'm dumping your teen years then pay and that top. Probably won't hurt she. That the opportunity is really in that recognize and what that adds that potentially see him and you need a professional high quality professional. To not be able to see that I know it until the trigger when opportunity. Presented itself. And if you need some recommendations I don't know if you worked more than agent or not you know but if you if you haven't picked an agent yet you need some recommendations will be happy to help you of that. He. JD county bank mortgage dot com. And of course he needs some help with the Loney to second opinion on the Long Will be happy to help you that it. Hey thanks Allan great question great question a lot of people I answer yes let me. I felt decent answer a great question. Yeah I thought the album I think that north main area there is always been a various traders here in the Greenville area. A little underrated some time you everybody seems again today against a roadside. Hombre the north main areas really nice and got a yet client whose greatest sale. They on the air it's actually any. She's just when I told him I touched down handing him an email and telling us NSA and he put that on the market be ready because compounding those thirty days later. So be period sting see how it shakes and markets high. My very we did get ranch sting that text question they came avarice is due appraisers still adjust. The value of the home based on what surrounding the home if the home is close to a mobile home park mobile homes and or apartments. In a residential area in not. The injury is it's up to them in their judgment that it is it is true that that's what surrounds the home can have a negative impact. Own value just like me and on of late can have a positive impact on the day yeah. Yet necessarily saying that a week we talked probably two or three shows ago about a general we had that was trying to bow on the cheap. And he was looking solely at price per square foot and and he looked at things that two of the homes he came just one about one was right beside an industrial park and I'm come out like a hundred yards. And that's why it was so cheap nobody would want to live there and in the next one was right beside it a deserted gas station and so in both cases. Those items would have had a negative impact on the appraisal because. It is our ability railroad tracks if your house backs up to railroad tracks they may adjust for that but absolutely what surrounding it. Will matter well back to the real to round table had a great conversation about cellphone towers. Yeah and I Ali always had this passion come up before. And there's actually in neighborhood being beyond reverend Taylor Syria right now. And I just happen to see it out driving around Ireland LA. He huge cell phone tower and the Bellman neighborhood is basically within the shadow of the cellphone tower. And in all I can think about we're actually talking about FHA in different yeah Armisen as any other but you know and in some my image they may have changed is ruled that must assure about it. But in any if you if your house is dealt with in. The I'll raid the ball radius of the cell phone tower and that's going to be a problem you know my customers' financing yeah. Because summing technically that the cellphone tower could follow her house into every desk. And then of course their their or. You know there's some repercussions from that as far as value our lines commerce nation because. You know I'll always view it is hanging in the context of three sale preservation capital appreciation. Taking that viewpoint. But. And how pinching power lines things like that anytime there's a tributary. Flood plain always think she take into consideration. But from a fund financing sad. They're banking and they now I haven't been in that ditch on the cellphone tower usher on knows that by otherwise yeah it's just something to consider and you need to you if you're looking at a property like that you need to check with your lender to. So listen is this going to be an issue and then it will be big it will be dependent on what type of financing you're getting his whale. And then you wanna make sure your insurance covers it I know because and yes it celta that he could follow if it follows in the balls. Own your house are you trying to murder art I'm not gonna pay a premium for that risk. Well those things are things that you need to factory and of course you know what we're really talking about again is a team of expert Jeannie come out of the buyer's agent drama get insurance contract. He has different things that you need to wanted to make a quality purchase so a lot of different things and you've been ended now that tributaries. I I think yes that's right if he's not. The position don't. The fifth if I can't talk you out of analysis probably there right now still we're talking guys about Reynolds a wanted to you know one more. When we get back from our final break here. We taught we. Some numbers on the field house which is right on the backs out of the stadium and win your on the main side or the on the field side we get a couple of prices down there. And then I JD's don't share with us a little bit about what you go by for the same payment. Just to give you some context to what your other options are out there. Yanish from certain images opening an extra time I'm not there rant so there. Anyway Melissa we're gonna head into our final regular show we'd love to talk about what you wanna talk about feel free to give a serene in 866. For Forte you're seventy about 53 again SA 66. For four to seventy about 53 attacks on will remain open for the last segment of the show. That's 713 or seven if you got a question or comment issued as a Texas 713 or seven. You'll listen the health plans and will be back right after this. Are there. Kohl welcomed by the house plans head down the backside of the mountain got about thirteen minutes left in the showed here to take your calls comments questions about buying real estate. And we are talking to a rural state give a string 8664427. B 553. You know you mentioning about buying real estate yeah uninteresting fact that every town some money buys some money says oh absolutely. Straight Leavitt. And then of course she has only to a size 71307. That 71. In three seven. You know the last property that we polled little report that we had Keith there was a the field house which is the complex that runs right down there a the outfield at the ball stadium downtown Greenville. And there were two points of reference they're ones about 18100 square foot foray. One or two bedroom I think and then in that actual document we had there was a studios. Listed at thirteen 150 a month that right camp had to get number yup and so. You know I thought those were kind of high and. And actually thirteen fifty that towns. Just a tad lighter than me actually yeah maybe Saturday June 14 fifteenth and I think one bedroom you. But it too bad dream mean it in the field house are at Reno and the 1750181850. That's a good number. And of course a similar to spread beyond the ball feel side as some people would prefer to be on the main stretch analyst sunset she sees the baseball stadiums and got what it on and Miami games they play 65 somebody yanks something like that clip plus college game but he also if there's a common area that has of Miranda yeah you have access to watch and games regardless of where your unity as you know you know and and I don't know I think I probably would prefer to be on the interior side personally. Yell no street yeah of the sunset so many other side. And the baseball steroid your little closer to purple that's strictly and two down at NASA and installations. That's true I've been there and they are three afford decent joints on the main floor idea. Max across the strait yeah. That to get locate him. And then Keith with the current rate environment he says that one of the things that you. Do you generally when you're trying to figure out. Principal and interest payments to use a factor per thousand. And try on and of course obviously the more rate the lower the rates or the better to be than that and that. That factor you know overcome a little looser is about five dollars per thousand to figure out. Your principal and interest at a slower and a quarter at for a quarter when ray thirty years yeah cellular here yet we're just primary races selling for every thousand U bar culture fab backs principal and interest that's easy easy way to calculate the first 400000 is 2002000. Dollars a month and plus taxes and insurance that's right and so. When you start looking at that you would get a 250. Thousand dollar property. Then you know when you do that same Matthew come out with what twelve of his closest DNC has your sensible in the interest now of course there's other costs involved when you buy a house. And then not you also have to consider and we're talking primary residence right now. So for what that studio cost you can pay your principal and interest on 250000. I am. So yes demean us. Half so well want to thanks particularly unique about condominiums are the regime today sure in a parking in the regime feared the two big. Different cities always almost always in a condominium again after wall from your parking slot. To you and not always. Don't want to access up to say this now with access for the Amazon prom in all these with the grocery stores down tails drew different things now. You know file live a thousand singled to kind of you know 45 whatever an island downtown almost assure you need a car get over. You know have and he got a unique annoys you you're going somewhere you can and a aren't you working and you are what are trying to work in downtown that. You know there may be a agree will now has gone to that point we're. Yeah you may not you may not need that car are. And yet found a girlfriend get a car yeah. I think one of the projects has its own little bike garage inside covered by garage and he can't rely on the bike when storming out satire and a team we would have to maneuver it. But. It's but. At the fieldhouse they haven't covered garage and you get one slot moved outside you take it you don't have to get out and me and the weather. Some of the units eve you you didn't have to get out yes share Neshek let's say we decide instead to move up to the suburbs about it 250 here. What what are we looking at JD can issue the question about insurance but what your factories are we here it's taxes this is edition will always she's in the Indy kill me. If he's 800 dollars per 100000 that's a good number you know CD's gonna be about 11100 dollars per 100000 because your pain. It's city taxes in net that that's. The case whether you're in downtown since and build them county are are down to go through that one more time if you're inside the city limits when you're looking in it's gonna you're you're. Your estimate here is 1111100. That's going to be about per 100 around a 135. Meals right gang. In any fear in the can only is gonna ranging anywhere from. Probably. She's forty or 52 to seventy shaft 275 males in that equates to about. Now this is after the computation but yes your school credit and a primary primary primary residence I get to school credit from the stay eight. Then you're going to be roughly 800 per 100000. Let me go back to diminish here and talk about regime PGA UP broke a great point on the Condo market sure how many teeth and they you don't little research issue recently in on about Condo market downing Greeneville. So we'll put you on the spot what kind of range are you talking about. I mean obviously you have some wide variances you know condos downtown but. An alien so it's a NN sweet spot of that 35400000. Dollar unit you're gonna pay roughly 400 dollars a month anyway us 358 to fourteen when he trapped. In that depends on the current reserves. Any any. Maintenance capital project I that they have going on. Eight to generate the reserves to cover that. But generally speaking I would say 350 to 400 dollars a month Niemi knows real money now let cameras in a condominium remembered and access our jail since you don't need that car driver on the sheet in Iraq back on the sheet rock out to. Yen under his insurance only. Well you gotta figure you know you're gonna need you're gonna need a nature six policy says Iran are between thirty and fifty dollars a month in on what you got listed in the and that sort of thing. In the if you got a 350. Dollar. Yeah H away Hewlett Gurion 400. And if this investment property downtown you may be maybe a thousand dollars a month. Before you started Oprah's monitor via USA paid cash for S if you paid cash and cash right. This gives you the privilege Japan and how the and perfect that's where. Your cell walls eight rules that. That he's you pesticide is is generated recipe. He's got to make an ice slick and the front is totally failed here SRI. No kid. Well I think you know you gotta run through all those numbers to make sure and of course it has a lot to do with lifestyle what are your preferences or is key players say what are your goals and objectives. And what are you trying to accomplish when you get and the you know I can never live police had. Unless it was retired one card slot and you're Muslim part of the car right yeah and says you know you got to work through all that. But I thought it was important for the listeners to kind of you look at. Rent vs buy. And you know when you're looking at a principal and interest payment. Of 12150 dollars to about 250 today. And then you know you add the taxes on top of that you know another 2000 dollars. You know you get to that fifteen in the near the insurance you get to that 15100 a month number. In your bind to fifty and in and still lingering bowl. In the severed 250 G July. Oh yeah psychologist can Brady comedy that's what we need to do because. We need to talk about pricing in the berms vs a damn town in the differential. Here furthered the differential that the larger. That differential becomes. Then dead ebb and flow of whether I'll live down tail on the main camera in this hour's breaking point try and in the suburbs. You might I would say a price per square foot anywhere from a 10240. Carrie so if you wrap production home 2500 square feet it's gonna cost you hundred dollars square foot right on in Rotterdam a hundred not a I. Up they'll tell us is that it's about Zelda is the birds but they don't play the elderly it has downtown verdict yeah I don't out of a guy 200 dollars of that just your breath but if you go to the suburbs in me anywhere from a 10005 dollars of that for production home. In any team in high quality custom built migrant might Runyan 140. Plus or minus Laboy FE get his trophy home. You know it's 200 dollars yes share sweltering. Gallery in the GE at a contact customer 300 via. As Terry. But you know it depends on obviously on how what kind of package put together in the when you get into the suburbs. If you do and you construction. In years and year in the excess of 200 food. You really need to make sure you know that things are gonna pray for when you get done and if you can be put some cash. But double lie. All high end every call it matters yeah and mattered AM yes did you will well I tell you when it's gonna matter is is like he says when when he goes to sell that's a matter. Because he's gonna expect that 300 dollars for it back and he's going get to tee and. Tim mentioned a lot premiums to him at the roundtable a little bit about ought premiums. And I love the way described at apparently not gonna get that back yeah on the resell market. And how many people know that dole you virtual lives and yet you still can't hear that conversation so right builders Georgian yeah 5000 dollar. Lot premium for that cul-de-sac if you Greece's LA house. When you're glad you're just a lot a lot disliking the other line now it'll sell quicker yes because it would be purely for more desirable you write his inaugural show open and a price you might show up in. Lease price to sales price because of its sales. The first three day loosening your ride in a higher price if there is. So that conversation yet yet be inching its a lot of you know that a lot premium is always you know uninteresting. All right and we do we do have that come you know the double the of course a lot of core golf course slide the view of the pond lie you know it's a you know it's always lifting when when the name of the subdivision has a lake in. And now I go back when our I. Alison I I had this conversation I was young lender now is talking about how this house was a good value and all this that the other house is on the lake and he said well a lot. Crystal noted that it did just a lake or is it upon. And I said well I mean it's a late the collar delay Kenny said let me ask you this did you could you parish the only constant in a circle. They said that's upon yeah try this at united late in the EU yet that's exactly right there's a difference between being known lately. Well it's anyway you know the neighborhood god cares for a yes or an angry Dorothea you know there's there's a stroke there's a group of houses. On Allen having houses are in a neighborhood maybe you know and 15200. Or some my dad. And there's a group of about ten houses right there on the lake and let me tell you this premium on it's they consider premium like you know I didn't think they won't show up in an appraisal right in the and secondly in my show up as a safety hazard to somebody with children and I want to miss Kennedy is another man crazy ass hot hot hot Brad he's Allstate if they. Eli listen we appreciate our I listeners text or phone calls today even less in the house plans. Jenny Nelson and Chris Roberts County main mortgage Keith Clark buyer's broker fewer catches during the week. Give us a ring at 331 hell on this story 31 and 466 story where you issue me a email at ask. AS cage 88 county may mortgage dot com will be back next week your own house plans.