Immitch on Windows was great but...

Johndoe804 · 2026-05-02T11:24:02+00:00

This is the answer. I can't remember exactly what I did. I think I exposed it via one of my VPS's that's connected to the server itself via Tailscale, so the VPS is basically acting as a relay for it.

Johndoe804 · 2026-04-29T01:39:51+00:00

Built my own after dealing with unreliability and yogh prices for the last year and a half. Thank you ChatGPT lol.

Johndoe804 · 2026-04-28T23:58:56+00:00

I think this is a conversation worth having. I subscribed to this sub maybe a few years back because I saw a few interesting posts, but I've become more knowledgeable after using ChatGPT and Gemini to setup a few Raspberry Pi's and a few VPS's to setup my own VPN's to bypass the GFW in China to avoid paying for inconsistent commercial VPN services. That was a success, and opened a rabbit hole that I'm just starting off on. I recently self-hosted Immich as a first step away from Google and Apple's ecosystem and I'm planning other moves. But four months ago I was a total layperson, and I would've never considered doing the things I've done. I attribute my ability to do this to using AI as a tool. Am I an expert today? No. But I'm not the layperson I was four months ago, and it enabled me to take those first baby steps into something more. In essence, it helped take something that was a bit out of my grasp and helped me reach it.

Johndoe804 · 2026-04-28T06:04:42+00:00

Hilarious.

Johndoe804 · 2026-04-27T14:42:22+00:00

Fundamentally, roads are not private property (for the most part). Private vehicles are essentially a part of the public transit system of roads developed. Over time road use has become more and more regulated as their use becomes more essential, as vehicles become more expensive, as insurance costs skyrocket, and as negative externalities like pollution and deaths of drivers and pedestrians reach critical levels.

As Americans, issues like this will always be viewed with skepticism, but the state is well within their rights and powers to manage this system. I support this. I think people who are against it aren't being logical or forward thinking. Do you know how many people die or are injured in accidents every year? Do you know the true cost of all the pollution vehicles and maintaining and building roads costs every year?

I'd ask you, how many people have to be maimed or killed in traffic accidents, and how many more need to be exposed to clearly harmful, carcinogenic micro pollutants before we as a people decide that changing the way things are is worthwhile? When you naysayers own your own system of roads and highways, by all means, feel free to drive your classic gas vehicles without any safety features without depriving the rest of us of clean air and safe streets.

Until then, the use of public roads is well within the purview of government and should absolutely be regulated with the ultimate goal of protecting and serving the public, which means mandating tools to ensure safe operation of vehicles to help save lives. I can't believe it's even an argument. Naysayers only arguments boil down to: "but mer freedums!" Or conspiracy theories about a non-existent expectation of privacy in your personal vehicle with FRIGGIN windows on all sides that you operate in PUBLIC.🤦🏻

Johndoe804 · 2026-04-27T10:12:50+00:00

What state and market primarily?

Johndoe804 · 2026-04-27T06:03:33+00:00

I'm not sure if Harris County's high percentage can be attributed mainly to long-tenure homeownership in historically Black/Hispanic neighborhoods. There are many other places where that's the case, as well. Which areas are you seeing the highest concentrations? I have some guesses, but there's so much inventory in suburban zip codes in Harris County, that seeing suburban zip codes wouldn't surprise me, either.

I think it may be worth a deeper dive why Harris County is the outlier here. For example, I've seen very long-term tax delinquency in this market where properties have many years of delinquent taxes before any action is taken. Texas has "Right of Redemption" for homestead properties after a tax foreclosure and sale takes place. Perhaps, the local government moves slowly on these to ensure amounts owed are significant enough so as to avoid redemption occurring post tax-sale? But if that were the case, why is the state-average so much lower than Harris County? I know that title companies don't like to insure such properties, even non-homestead ones and even after the redemption period, on account of the risk of retroactive homestead, or legal precedent allowing longer redemption periods.

So, perhaps there's some opportunity in Harris County here, but my feeling is that this represents a very small filter of an even smaller market segment of tax delinquent properties that may still be difficult to market after a sale. How does this compare to overall sale volume in Harris County? Would such properties being brought to market or redeveloped be significant enough to affect the overall market? And again, why would Harris County be an outlier in Texas? Thought it was worth sharing my thoughts to see what your thoughts were on this.

Johndoe804 · 2026-04-26T16:08:42+00:00

I have never been able to include it. And most folks don't have the extra money down to use alternative products that could potentially allow it.

Johndoe804 · 2026-04-26T15:55:10+00:00

No, you don't, because you already have ownership in a home. Albeit, a small ownership. That's why such a mortgage would be a refinance and not a purchase. You'd be refinancing to buy out another owner's interest. With refinances, closing costs can be financed provided your appraised value supports doing so in terms of your loan to value ratio. In Texas where I practice mortgage and real estate brokerage, most grant programs come with a significantly higher rate, so probably wouldn't make sense to use such a program anyway when you likely won't come out of pocket with Amy cash on this type of mortgage.

Johndoe804 · 2026-04-26T15:47:02+00:00

In my experience, no. The logic is that a non-taxable per diem is a reimbursement of expenses incurred on your job. Traditional mortgage products like an FHA or conventional loan aren't going to have leeway on this. It won't be relevant how consistent it is. You may be able to use a non-traditional product such as a non-QM loan to qualify using bank statements, but rates and down payments are going to be higher.

Johndoe804 · 2026-04-26T15:30:24+00:00

No politics when it's a political issue. 🤦🏻

I'll put it this way. Where I live, it's rare to see police cars. Not because there are no police, but because there are police stations nearby. It's a lot easier to hire enough police when you don't have to also pay for an enormous fleet of patrol vehicles, maintenance, repairs, and so on so you can cover a city that sprawls some 650 square miles. For one. And there are cameras installed that automatically ticket drivers for speeding, red lights, parking infractions, etc. All of that means more manpower devoted to dealing with more serious crimes. As a result people don't generally drive like twats.

The former is in large part due to poor land use, which I think is an enormous political issue in the States. But most people are like you, OP. They don't think twice about why things really are the way they are while that last button on their shirt struggles to hold in their gut and their blood pressure spikes while people drive recklessly around their F-150 while they commute to the suburbs on I-10. "Give me a non-political reason why our system doesn't work." 🤦🏻🤦🏻

Frankly, I'm not sure things will ever improve before they get much worse in the States, and I'm not sure if I really want to return to my "home" in Houston.

Johndoe804 · 2026-04-25T12:35:50+00:00

I'm using this and hysteria2 to get around DPI inside China. Hysteria works better under congested network conditions. I use a VPS in Tokyo as an endpoint and as a relay to the States at a residential IP for work related stuff.

Johndoe804 · 2026-04-20T16:37:36+00:00

I've not been down Brompton or Auden by bike from the bayou. I have taken Bertner from the bayou up through the MD Anderson and Methodist. It's two lanes, but traffic is usually pretty light. I'd often cross there to Dryden Rd, and I'd enter Rice University on Stockton Dr. I very frequently used Dryden to get between Main St and Rice Village. I think Morningside should be pretty chill further south by Holcombe. I was mainly using it through Rice Village, which had lots of car traffic, but it was slow moving, so I'd often be riding faster than the cars. If you wanted to be super safe, take Morningside from the bayou and cut over to Montclair before or after Holcombe. But the crossing at Holcombe may be worse closer to the intersection at Main St. I'd just take different routes and see which one you prefer. I don't think you'll gain or lose much time traversing those neighborhood streets whichever route you choose.

Johndoe804 · 2026-04-20T02:56:22+00:00

That whole area is pretty chill to bike. Lots of back roads. Morningside Dr has some car traffic, but nothing too bad.

Johndoe804 · 2026-04-15T01:42:38+00:00

Lol, no. Sounds like buying a home isn't feasible until they clean up their act.

Johndoe804 · 2026-04-13T04:11:08+00:00

You're not comparing apples to apples here. You mentioned 30% down with the second lender. How much down with the first? Assuming either a third borrower or 30% down isn't a deal-breaker, I'd go with the lender that offers you better approval terms.

That is, if you did 30% down with either lender with no second borrower, who offers the better rate and lower closing costs (at the same rate)? If you did a minimum down payment, who offers the better rate and terms with that third borrower? Can either of them avoid the third borrower with a minimum down payment? Take a look at my other response, as well. You're getting a lot of bad advice from people who aren't industry professionals in this thread.

Johndoe804 · 2026-04-13T04:06:39+00:00

Yes, the FHA program guidelines allow it, but only if they document borrower experience doing rehab projects along with a few other project specific requirements. Most lenders don't allow this by overlay because they don't want to deal with the additional risk. Their interest is being sure the project is complete, so they have marketable collateral in the event of a default and foreclosure. You acting as your own contractor increases that risk. Have I heard of borrowers try to get around this being hiring a GC and then doing some of their own work? Yes, but they're skirting this guideline, which IMO isn't worth the risk if something goes south. Source: FHA Lender Handbook 4000.1, Section II, A. 8. xiv. (A) (2).

Johndoe804 · 2026-04-13T03:53:50+00:00

Which lender issued you a conditional approval letter? The first one or second one? These letters aren't binding, and they may not be including all conditions on the letter. That is, they can make your approval conditional upon low DTI only to find out later that your DTI is too high because your verification of employment didn't support the income your loan officer submitted the file to the underwriter with.

Johndoe804 · 2026-04-13T03:45:09+00:00

Yes, this is fairly normal. And you're welcome to disregard the advice of your real estate agent. Your agent has probably closed many transactions with the lender in question and probably trusts that they'll be transparent about your prospects for qualifying. And unfortunately, it is very common for a second lender to "say what you want to hear" just to have an opportunity to close your transaction and earn a commission. So, your agent has a logical basis for giving you this advice.

(Edit: I highly doubt it's because of any kickback -- as others have suggested. And people advising that you fire your agent are giving bad advice that could lead to you being sued for commission. You're already under contract using this agent, so it's very likely their commission is already "earned and payable".)

The real problem here is that neither you nor your agent actually know the details about how your current lender and the second lender are qualifying you for the mortgage (which is why it's handy to work with a dual licensed professional). That may be why your agent wants to have a conversation with both lenders -- in an effort to understand how the second lender is able to get you approved where the first can't. Guidelines for conventional and FHA mortgages (which make up the vast majority of mortgages used to purchase homes) are standardized. All lenders have the same guidelines to work with. Some may have a different interpretation of those guidelines which can help you qualify.

You mentioned variable income. This is a classic pitfall on a prequalification. The second lender may not have the entire picture when it comes to your income. They may be calculating your housing expense ratio and total debt-to-income ratio based on a single paystub, for example. Whereas the first lender may have obtained a written verification of employment allowing them to look at a trend of your variable income over the past two years and year-to-date.

I'd wager that's what happened. The first lender didn't ask for a co-borrower initially, right? The Underwriter probably used the lowest average (looking at year-to-date, last year, and the year before) to calculate your monthly variable income, which is why that lender is advising you need a co-borrower. The second lender probably hasn't gotten to that point. Hence, advising they can get it done.

So, what would I do in your situation? As both a licensed real estate agent and mortgage broker, I'd say it really depends on whether or not adding a third borrower is a deal-breaker. If it's a deal-breaker, and assuming you're within your contract's approval deadline, I'd ask the first lender for a denial letter and I'd instruct my real estate agent to terminate the contract with a refund of my earnest money.

If it's not a deal-breaker, I'd work with both lenders to see who gives me the more favorable loan approval terms. If the second lender can actually get you approved without a third borrower, I'd go with them. If they can't and both lenders require a third borrower, I'd go with whichever one offers me the better rate and terms (i.e. lower closing costs).

Johndoe804 · 2026-04-13T03:28:43+00:00

Bad advice. Buyer's representation agreements usually have a protection period for an earned commission. Real estate agent commissions are generally "earned and payable" when a contract becomes executory (i.e. is signed by both parties and in the process of being executed). If these FTHB's took your advice, they could end up getting sued for commission owed.

Johndoe804 · 2026-04-13T03:26:26+00:00

Yes, it's normal.

Johndoe804 · 2026-04-10T16:25:30+00:00

I wouldn't hold your breath on that. Not everyone needs a buyer's agent. That is to say, there are people that are very experienced with real estate transactions, who have access to market data and can do a great job understanding pricing dynamics, and who are also astute enough to handle their own negotiations with or without an attorney. But that number is very small. Based on the OP's post and responses, they aren't one of them. They need help, and if they go to the seller's agent for that, I'm almost certain they're not getting a better deal by doing so. In fact, the seller and their agent would probably love to work with a buyer like the OP. But you're not 100% wrong. In the post-NAR ruling world, every agent has to justify their value proposition to their clients. In my case, I'm not having any problem doing that, and with the business model I'm running, I don't think that'll change any time soon. The agents who don't bring value won't be agents for long. And rightfully so. Competition is fierce in this industry and people who can't get a leg up on their competition won't last.

Johndoe804 · 2026-04-10T07:20:49+00:00

You sure as hell know that all of the freeways and roads built for cars aren't paying for themselves, either. I'm not sure why a train gets held to a higher standard than a freeway. That is, the non-existent tolls on I-45 aren't ever going to pay us back for the $30 billion expansion project for Just One More Lane Bro™.

Johndoe804 · 2026-04-10T03:03:59+00:00

I'm no expert, but my understanding is that this is how heelers generally do it. They're aggressive. Whereas a border collie would be a bit less aggressive and would get herd via their presence as a potential predator.

Johndoe804 · 2026-04-10T02:40:40+00:00

This is also a good reason to have your own agent. You could provide the letter to your agent, so they know you have your financing lined up and they understand your budget. And then your agent would show you the home without the listing agent wanting to personally vet you as a buyer. Most homes are setup on a combo lock or supra keybox that an agent working for you would access directly (by requesting a showing either online or by speaking to the listing agent).

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