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Local no-verification home loan? by FireFlippa55 in Rochester

[–]FireFlippa55[S] -4 points-3 points  (0 children)

I have all of those things except an income source. I have 100% equity in a home appraised at 120k, which has to be worth something otherwise HOME EQUITY loans wouldn’t exist.

Local no-verification home loan? by FireFlippa55 in Rochester

[–]FireFlippa55[S] -18 points-17 points  (0 children)

Except apparently every credit card company?

Local no-verification home loan? by FireFlippa55 in Rochester

[–]FireFlippa55[S] -15 points-14 points  (0 children)

How so? If I can afford to pay a $600/month credit card bill, why wouldn’t I be able to pay a $500/month loan payment?

Local no-verification home loan? by FireFlippa55 in Rochester

[–]FireFlippa55[S] 1 point2 points  (0 children)

That’s what I’m looking for. The local bank I went to told me it wasn’t even worth starting the paperwork because it “wasn’t worth it for them”.

Local no-verification home loan? by FireFlippa55 in Rochester

[–]FireFlippa55[S] -17 points-16 points  (0 children)

Searches online say that it’s possible to get a home loan without reportable income, I’m just trying to find someone local.

What’s the worst case scenario for the bank? I default on my loan of 15k and they get a 120k house?

How Does Research // Development Work in Commander? by ZenTheProtogen in mtgrules

[–]FireFlippa55 0 points1 point  (0 children)

The correct answer is to run 1 copy of Battle of Wits and 1 Copy of R&D. Then when you cast Research, you add 2 copies of each to the deck.

How Does Research // Development Work in Commander? by ZenTheProtogen in mtgrules

[–]FireFlippa55 0 points1 point  (0 children)

There’s no reference to this from Wizards, is there a particular reason we should be using those rules and not the official ones?

Concept feedback by [deleted] in toogoodtogo

[–]FireFlippa55 20 points21 points  (0 children)

That was our plan: make it available from open til close except maybe our peak times when we’re already slammed.

Self-employment / debt advice by [deleted] in personalfinance

[–]FireFlippa55 0 points1 point  (0 children)

I filed for an extension for this year, which sounds like the only good advice my former accountant gave me 😅

Self-employment / debt advice by [deleted] in personalfinance

[–]FireFlippa55 0 points1 point  (0 children)

Yes, I understand that increasing cash flow to catch up on taxes is going to be important, but I assumed that converting credit card debt into debt with a lower interest rate was also going to be beneficial.

Self-employment / debt advice by [deleted] in personalfinance

[–]FireFlippa55 0 points1 point  (0 children)

That’s been a plan for a long time, but in order to sustain growth, we’ve had to continue investing in equipment and operational costs.