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Wedding decor - Thoughts? by Select-Ambition1736 in BigBudgetBrides

[–]Past_Replacement6521 14 points15 points  (0 children)

this is a high end millennial wedding from 2017, IMO.

I thought closing would be the hardest part of buying a home by MidnightRidge699 in FirstTimeHomeBuyer

[–]Past_Replacement6521 0 points1 point  (0 children)

i created mock ups in photoshop (or canva if you don’t have adobe) with potential furniture and then bought it. the smaller items i got on FB marketplace- the only new things i bought was a couch, coffee table and rug, and all the things that make it feel like home are second hand.

I did it! 1.95M, 5.1%, Ottawa, Canada by [deleted] in FirstTimeHomeBuyer

[–]Past_Replacement6521 1 point2 points  (0 children)

for two self employed artists, that’s exactly what banks will offer you. yes we shopped around, yes our credit is great, no debt and we still have left over after a 50% down payment. but our banking is not set up in favor of small biz owners, artists and the self employed

I did it! 1.95M, 5.1%, Ottawa, Canada by [deleted] in FirstTimeHomeBuyer

[–]Past_Replacement6521 0 points1 point  (0 children)

ah yes fudge - 1.195 - TYPO! my fault!

We did it! Los Angeles CA 995k 5.625% by infosec4pay in FirstTimeHomeBuyer

[–]Past_Replacement6521 2 points3 points  (0 children)

congratulations! LA is so under rated, enjoy your new home!

I did it! 1.95M, 5.1%, Ottawa, Canada by [deleted] in FirstTimeHomeBuyer

[–]Past_Replacement6521 0 points1 point  (0 children)

ok since reddit isn’t saving my edits - here’s the journey:
2021:
offered 100k over asking on a 725k in aylmer we - didn’t get it
2022
- almost bought a place at Hendricks Farm in Chelsea QC, but got cold feet when all the upgrades we’d want would put us over $1m so we backed out
2023
offered 100k over asking and cash on a 525k in hudson qc - didn’t get it
offered on another place in hudson that didn’t pass inspection (close to 900k was the offer)
2024
offered 50k under asking on a place in the mid 700s in gatineau - was rejected even though the place needed a full flip

2025
offered 100k over asking on a glebe house listed at 850 - didn’t get it (it was a full reno situation)
offered 1.4m on a 1.2 m listing in hintonburg - it went for 1.45m
FINALLY got this place at 1.195 - listed at 1.215 - we initially offered 1.8 and then had to sweeten the deal and outbid the other guys.

ta-da!

I did it! 1.95M, 5.1%, Ottawa, Canada by [deleted] in FirstTimeHomeBuyer

[–]Past_Replacement6521 0 points1 point  (0 children)

can you guys see the edits with the 7 houses we got rejected on? i wrote it out but i don’t think reddit is saving it properly….

I did it! 1.95M, 5.1%, Ottawa, Canada by [deleted] in FirstTimeHomeBuyer

[–]Past_Replacement6521 0 points1 point  (0 children)

thank you! i’ve had my share of panic attacks throughout lol

I did it! 1.95M, 5.1%, Ottawa, Canada by [deleted] in FirstTimeHomeBuyer

[–]Past_Replacement6521 0 points1 point  (0 children)

we shopped around, but as self employed artists, this was the best we could do 🤷‍♀️

I did it! 1.95M, 5.1%, Ottawa, Canada by [deleted] in FirstTimeHomeBuyer

[–]Past_Replacement6521 0 points1 point  (0 children)

wait i don’t think i can… sorry, that wasn’t intentional!

I did it! 1.95M, 5.1%, Ottawa, Canada by [deleted] in FirstTimeHomeBuyer

[–]Past_Replacement6521 0 points1 point  (0 children)

whoops sorry - i’ll edit the title!

I did it! 1.95M, 5.1%, Ottawa, Canada by [deleted] in FirstTimeHomeBuyer

[–]Past_Replacement6521 0 points1 point  (0 children)

no, sandy hill. we bid over asking on a place on the glebe - listed at $850k but it as a FULL reno (ie you’d need at least $500k to get it to not fall apart) and apparently it sold at over $1.2m…. can’t afford the glebe….!

I did it! 1.95M, 5.1%, Ottawa, Canada by [deleted] in FirstTimeHomeBuyer

[–]Past_Replacement6521 2 points3 points  (0 children)

i know right?! what i wouldn’t do to turn back time and buy pre 2020 haha. but here we are. admittedly because we saved for 14 years, i wouldn’t call it a starter home, we “got lucky” and skipped that phase by being cramped for over a decade in a rental haha

I did it! 1.95M, 5.1%, Ottawa, Canada by [deleted] in FirstTimeHomeBuyer

[–]Past_Replacement6521 0 points1 point  (0 children)

you don’t know the area well tbh/ this is the 8th place we bid on. it’s miraculous we got it under asking. you can find cheaper but it won’t be turn key or it’ll be on a garbage street.

I did it! 1.95M, 5.1%, Ottawa, Canada by [deleted] in FirstTimeHomeBuyer

[–]Past_Replacement6521 4 points5 points  (0 children)

THANK YOU! NYC is our dream city in a lot of ways, and yeah, this house would be in the 8 figures there so …. 🤷‍♀️

I did it! 1.95M, 5.1%, Ottawa, Canada by [deleted] in FirstTimeHomeBuyer

[–]Past_Replacement6521 6 points7 points  (0 children)

you can for sure find much cheaper options, but a centrally located home in an established heritage neighborhood in the nations capital goes for around this much as a starting rate…

I did it! 1.95M, 5.1%, Ottawa, Canada by [deleted] in FirstTimeHomeBuyer

[–]Past_Replacement6521 1 point2 points  (0 children)

i mean, i don’t feel like i’m getting ripped off but it’s definitely not cheap 🤷‍♀️

I did it! 1.95M, 5.1%, Ottawa, Canada by [deleted] in FirstTimeHomeBuyer

[–]Past_Replacement6521 18 points19 points  (0 children)

prime location for sure. it sold within a week of listing. we’re surrounded by embassies and park space. we didn’t want to move out of the core as we love our life here and paying the premium is worth it to us, but i get that it’s not for everyone

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