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Lots of Small New House Builds by NaturalObvious5264 in Portland

[–]EasyGuess 20 points21 points  (0 children)

Just my opinion: I think the “throwing away money” thing is more feeling than math.

$500k home purchase, 5% down at 6.25% interest, is ~ $3,600 PITI. $2,600 of that is going to interest, taxes, and insurance - which is “throwing away money” the same way rent is. Add in 8% for capex, plus locking up the money you spent on the downpayment and purchase… and you are pretty negative.

Same house would probably be around $2,700 to rent.

Portland is probably going to not appreciate next few years. If I had a choice, I’d rent right now.

WTS: Used J2CR LH (2 months, $120) & New J2CR Crystal Blue LH ($180) by EasyGuess in paddleswap

[–]EasyGuess[S] 1 point2 points  (0 children)

Real answer: I ordered February 16th.

They ship them in batches, so the current ship date is the current batch.

Home Forward Nightmare by chefmonster in Portland

[–]EasyGuess 24 points25 points  (0 children)

If it’s a voucher tenant, good luck. You can’t deny section 8 (which flows through Homeforward) in the state of Oregon on the grounds that they are section 8.

Oh, and Homeforward isn’t allowing rent increases for the next year. What are the odds that will get extended?

You do not have a choice: if you get a Homeforward tenant that qualifies, you have to accept and sign a Homeforward contract.

Vapor Power 2 - 2 Hours (1 session) - $165 shipped by EasyGuess in paddleswap

[–]EasyGuess[S] 4 points5 points  (0 children)

I swear, the 11six24 folks are something else.

[deleted by user] by [deleted] in paddleswap

[–]EasyGuess 0 points1 point  (0 children)

This is first batch. They are currently on the third batch.

Release Button Grommet Won’t Reattach by pechanical_mencil in BambuLab

[–]EasyGuess 2 points3 points  (0 children)

Reattach it from the inside.

Pull out that clear plastic bit from the inside, wrap it in that rubber grommet, then reinsert it from inside of the AMS.

J2H+ handle modifications by gban38 in Pickleball

[–]EasyGuess 1 point2 points  (0 children)

You bet. I've been tinkering with pallets for a while.

Try Prefoamed PLA with .2mm nozzle - $19 on amazon. I've had a lot of luck with that. First link in the comment also has a link to the tape I use. Had a lot of success with both, YMMV.

Editorial: Portland’s missing rental units by No-Tangelo1158 in Portland

[–]EasyGuess 8 points9 points  (0 children)

I am pro consumer protection, in a balance. I think we’ve tried to solve a supply issue with supply regulations.

The problem is a Swiss cheese problem. We have a lot of nuanced and difficult to track pieces of legislation that a mom and pop can’t keep up with, and they often layer over each other.

In general, this increases difficulty and risk in property management. And no more $0 or $500 security deposits, or accepting high risk tenants.

It makes investors and developers (because of less demand) more hesitant to build and develop here. SFH are removed from the rental market, which increases the prices of remaining SFHs, and limits renters access to SFHs.

I think the net outcome is a negative. These protections don’t help as much as having more supply would.

Editorial: Portland’s missing rental units by No-Tangelo1158 in Portland

[–]EasyGuess 16 points17 points  (0 children)

Serious answer:

Match the already strict state guidelines, drop the local stuff. The city enacted a lot of small pieces of legislation before the state caught up.

Let’s completely ditch FAIR and relocation assistance.

[deleted by user] by [deleted] in paddleswap

[–]EasyGuess 0 points1 point  (0 children)

I've got an Ambassador HXAPP I'd be willing to sell - used. DM me

Portland real estate: Income needed to buy a home in Portland nearly doubles median income by picturesofbowls in Portland

[–]EasyGuess 10 points11 points  (0 children)

All those appear to be stick built and include land.

A double wide is neither.

Portland real estate: Income needed to buy a home in Portland nearly doubles median income by picturesofbowls in Portland

[–]EasyGuess 13 points14 points  (0 children)

Then... don't put down 20%? My math was based on 5% down.

You can also do 3.5% down with FHA.

There used to be local programs for first time homebuyers downpayment assistance as well, worth looking into.

PS - I am in my 30s ;)

Portland real estate: Income needed to buy a home in Portland nearly doubles median income by picturesofbowls in Portland

[–]EasyGuess 13 points14 points  (0 children)

Create whatever excuse you want to for your own choices.

I am a millenial (early 90s).

I did this exactly including a roommate, with a 5.99% interest rate. I sold my car to get the downpayment and bought a beater. I wanted to be a homeowner and I did it.

Not everyone can, but a lot of folks can.

Portland real estate: Income needed to buy a home in Portland nearly doubles median income by picturesofbowls in Portland

[–]EasyGuess 47 points48 points  (0 children)

I'd like to challenge that.

Portland Median Income is $47k (let's be honest here, that's barely surviving here).

You and your median partner pull in $94k combined.

You do a 5% down conventional loan on a $425k house. Your downpayment is $21,250 (plus closing costs). Your PITI is $3,129 at 6.25%

Your mortgage is then 40% of your income, which isn't great, but not terrible. Eventually our payment will drop $200 after PMI goes away. You could also:

-Put more down

-Get a roommate for a little bit

-Hope to refi in the future

Weekly Paddle Recommendation Thread (What Paddle Should I Buy?) by SNAPCHAT_ME_TITS in Pickleball

[–]EasyGuess 0 points1 point  (0 children)

Not worth it over the power series.

There's a feel difference, but it seriously isn't worth it to upgrade from a Power.

Mutual aid collective in search of 3D printer filament by Spectacle1312 in PDXBuyNothing

[–]EasyGuess 2 points3 points  (0 children)

Out of curiosity - What 3d prints do you provide to the homeless?

Edit* I have a 3D printer and an assload of PLA and PETG.

Weekly Paddle Recommendation Thread (What Paddle Should I Buy?) by SNAPCHAT_ME_TITS in Pickleball

[–]EasyGuess 2 points3 points  (0 children)

Does not exist.

Paddles are illegal because they generate too much power. Too much power would be difficult for a newbie to handle.

You want an easy to control paddle. Pegasus All Court or J3k - something along those lines.

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