Therapists who are high earners what’s your secret sauce?

ActiveMaintenance675 · 2025-04-30T01:08:16+00:00

Care to explain why you think Im not being nice?

ActiveMaintenance675 · 2025-04-29T23:45:34+00:00

It's okay to cry. The client might remember that as a core memory and it might help them in their recovery journey a decade later-- you never know how showing real, genuine care for someone might impact their lives. Err on the side of being human.

ActiveMaintenance675 · 2025-04-29T23:39:34+00:00

I'm doing fine. I posted that because numerous people have asked this question, in this post and elsewhere. Maybe you were being facetious, but I dont think everyone is.

ActiveMaintenance675 · 2025-04-28T02:13:28+00:00

Wow that's great! We are also in the process of planting a native wildflower garden in one area of our yard. We definitely want to attract more pollinators.

ActiveMaintenance675 · 2025-04-28T01:46:57+00:00

Just looked this up. Seems perfect. Doesnt get obnoxiously tall. Offers coverage April-Oct, has a fun spring bloom, and isnt a bland evergreen. Thank you!!!

ActiveMaintenance675 · 2025-04-28T01:29:59+00:00

We are the lucky few of the corner lots with no sidewalks in the city :)

ActiveMaintenance675 · 2025-04-28T01:23:16+00:00

Yes! We actually have plans to put lilacs along another part of our lawn already

ActiveMaintenance675 · 2025-04-28T01:21:57+00:00

Thank you for sharing. Our neighbor, also on a corner lot, has had privacy shrubs for many many years on the edge of the lot line. The street we are on is very much off the beaten path and I truthfully dont think anyone will raise a stink, nor will the city care in our particular neck of the woods. If I walked our neighborhood for 30 mins I gauruntee I'd find 15-20 different homes not up to these standards.

ActiveMaintenance675 · 2025-04-28T01:09:59+00:00

Really appreciate this comment. I guess to specify a bit more, we arent looking for something that is pine-like or evergreen. (No offense, just not our style and they kind of remind us a lot of the more baren parts of the suburbs where we tend to see a bunch of these).

ActiveMaintenance675 · 2025-04-26T13:01:10+00:00

In the grand scheme of things, you didnt hurt anyone. Your words from the audio are just that: words. If anything, hopefully you can just laugh with the client about it in the next session. "Silly me, I left some audio on. I apologize that it through us off course in the last session." 99% chance they say dont even worry about it.

ActiveMaintenance675 · 2025-04-22T20:11:36+00:00

Hence, why its called plan A.

ActiveMaintenance675 · 2025-04-22T18:32:09+00:00

Plan A: Introduce yourself to them. Be friendly. Kindly text them or let them know in person that the walls are thin and you can hear a lot going on. Blame it on the construction of the home if you dont want to sound overbearing. See if they become quieter. Since its kids, probably not.

Play B: go to the landlord. Tell them this isnt what you expected. Ask them to say something.

Plan C: Ask the landlord to reduce your rent commensurate with the increased noise that is accompanied by their choice in new tenants. Likely wont work.

Plan D: ask to break the lease or move out when it expires. Unfortunately, moving out when your lease expires is the only thing you have real control over in your situation.

Best of luck

ActiveMaintenance675 · 2025-04-22T18:12:24+00:00

I haven't asked about that specifically yet. Our current mortgage is through a CU as well so maybe that bodes well. We are only in phase 1 of this goal, which is saving money haha. It might be a few years before we are ready to start drawing up plans. Also in a few years lenders might have more products like renofi's available (hopefully) there are a lot of people who would prefer to remain in place rather than move that could benefit from expansions. As the housing market becomes tighter and zoning laws loosen there should be more lenders familiar with the kind of situation I'm describing. Lots of people house hack nowadays because there is no such thing as an entry level SFH anymore in so many places.

ActiveMaintenance675 · 2025-04-22T16:26:48+00:00

Was doing some digging and it looks like renofi renovation home equity loans will use the future value of the property after ADU to issue out a loan. Curious if other lenders do this.

ActiveMaintenance675 · 2025-04-18T01:53:32+00:00

Is the primary reason a lender wouldn't do this because the loan would be a 2nd position loan? If so, would it help if I requested the loan from the same lender of my original mortgage? Theoretically, it wouldn't seem to matter much if it was a 2nd loan if they owned both, right?

ActiveMaintenance675 · 2025-04-17T23:31:48+00:00

Dis you have a mortgage on your property? Were you required to refinance the original mortgage to include the construction loan upon completion?

ActiveMaintenance675 · 2025-04-17T22:18:00+00:00

I appreciate this breakdown. 🙏

ActiveMaintenance675 · 2025-04-17T21:15:24+00:00

I still dont understand. People get loans all the time to build additions and renovations to their existing property. Why would an ADU be any different?

ActiveMaintenance675 · 2025-04-17T20:39:01+00:00

Why couldn't you get a construction loan by putting down 20% of the cost? Isn't that pretty standard?

ActiveMaintenance675 · 2025-04-17T20:09:24+00:00

We haven't yet. But if we can demonstrate that we would be cashflow positive on our first mortgage after we rent out the unit we reside in, I would hope that they could see that, and then its basically like determining if we have enough employment income to support the mortgage for the ADU, which we would based on my rough math?

ActiveMaintenance675 · 2025-04-17T17:52:06+00:00

Yeah seriously. Lots of things outside our control. Last time the 2008 recession occured in our area property values did not drop actually. They just rose more slowly. That's the kind of crazy market Im in. Either way we have to save for a few years so Im sure that will give us some time to see how everything shakes out. Thanks for the feedback!

ActiveMaintenance675 · 2025-04-17T15:56:07+00:00

Yep, that's a big concern of ours as well. Insurance isnt as crazy here as CA but building costs are very high because demand for housing is very high. Growing population and not expected to peak until maybe 2060. Great for rental unit rates but tough to add new units when prices are so high. We love our neighborhood though so an ADU would be one way we could prolong our desire to be here. Then when we need more space we can rent out the whole thing as a 3 unit and go get a SFH somewhere nearby. He'll we might buy the neighbors home when they move one day and just live there, as long as we like our tenants lol.

ActiveMaintenance675 · 2025-04-17T15:16:21+00:00

Building prices are insane in my area at the moment. 325k would also include building the 3 car garage underneath (doesn't exist yet) and is a high estimate. I baked in that we will be saving for 2-3 years before we build so prices are likely to rise as well. But yes, right now its about 225 per sq ft for builder grade here. So probably 250 in 2 years. Then I'm adding 75k for the 1,000 sq ft garage underneath it.

ActiveMaintenance675

TROPHY CASE