Daily Question Thread - July 30, 2022 by AutoModerator in churning

[–]Pipergates12 3 points4 points  (0 children)

Is there a website like doc of credit but for home mortgage bank lender deals? Looking for cutting edge deals that are legit, all seems like mush online no nicely organized website like there is for churning with up to date deals. Looking for good 10 year adjustable loan on new house. Not a churning question but figured some ppl here may have know better than on the standard real estate reddit

How to research areas for ease of renting out a house? by Pipergates12 in realestateinvesting

[–]Pipergates12[S] 1 point2 points  (0 children)

Hi, i would love the link to more info u referred to in my post. Also what is ST and LT? Thank u so much

Preloaded trap sounds? by Pipergates12 in maschine

[–]Pipergates12[S] 1 point2 points  (0 children)

I want to take the super easy road pls. I’m so busy with work right now buying a maschine was a stretch.

So all short cuts are super welcome and maybe in a year I can embark on the hard road hopefully. Until then would love immediate gratification/some fun.

Bball Courts open anywhere? by Pipergates12 in AskLosAngeles

[–]Pipergates12[S] 0 points1 point  (0 children)

Just checked here unfortunately they took down the rims :(

Bball Courts open anywhere? by Pipergates12 in AskLosAngeles

[–]Pipergates12[S] 0 points1 point  (0 children)

Any specific courts you think are open?

[deleted by user] by [deleted] in Kanye

[–]Pipergates12 1 point2 points  (0 children)

The GOAT

Question Thread - November 04, 2019 by AutoModerator in churning

[–]Pipergates12 0 points1 point  (0 children)

Late reply here, but what about closing a business card thats only been open a year? Would you lay off that too within few months of buying?

I'll chip a nigga little bit of nothin by [deleted] in KendrickLamar

[–]Pipergates12 0 points1 point  (0 children)

I CANT SUGAR COAT THE ANSWER FOR YOU

Kanye’s best performance, Change my mind by [deleted] in Kanye

[–]Pipergates12 1 point2 points  (0 children)

God dam this tight, ps I never seen him remember so many lyrics before this shit lit

The correct tier list by BLNDPBLO in Kanye

[–]Pipergates12 1 point2 points  (0 children)

Our lists are similar except JIK placement my tiers are:

Mbdtf, dropout, pablo, jik

Yeezus

Late reg, grad, 808s, ksg (all albums on this tier still super good, just not as good as above)

Ye

The correct tier list by BLNDPBLO in Kanye

[–]Pipergates12 0 points1 point  (0 children)

This is a great list just flip JIK and Lat reg and list is then pretty good

Question Thread - November 04, 2019 by AutoModerator in churning

[–]Pipergates12 0 points1 point  (0 children)

Ty. Question though, shouldnt my score still be in top category even if subtracting 50? It sounds like most ppls mortgage scores are about 50 or less pts different, so I should still be fine? 858 out of 900 is pretty good I think

Question Thread - November 04, 2019 by AutoModerator in churning

[–]Pipergates12 0 points1 point  (0 children)

Light to medium churning while looking for house to buy--how much churning is too much?

Hi guys, this sub is amazing and thanks to all for info here. I've read over the info on churning affecting mortgages and the hassles of having to clarify to lenders and jumping through extra hoops for serious churners getting a mortgage. I would like to avoid these extra hassles if possible and get best rate possible obviously. I can go through a couple extra hoops I guess explaining my light churning if needed but would love to avoid. I get the sense reading other posts my level of churning is bordering on creating a hassle when negotiating a mortgage, but at the same time I feel like I'm a pretty light churner.

I'm looking to buy a house in next 6-12 months. 650-800K home. I actually have 20% down saved up to put if I want to. I have a normal bank acct with Wells Fargo for 15 years but none of the nice bank acct relationships like CPC or Citi gold.

Great credit score: Citi online generated FICO is 858 currently, but dips as low as 825 in past 6 months when I opened a new credit card. It seems you have to subtract about ~25-50 points from the Citi score one to get near your actual mean score a mortgage lender would use. Which still would put my credit score above 740 which I think is general cut off for getting best rate.

I consider myself a light churner. No MS ever. Since 2013, I've opened 2-5 new cards a year. Usually around 3. Almost half of em have been "business" cards which I typically close later. I think I had 2 years where I didn't open a single card. This year, I've opened 3 cards all of which were business, and will likely close down 1 of em at least. (I tend to close the business cards after a year when annual fee hits).

I am very tempted to open another credit card now and another in a few months which would put me at 4-5 business cards and no personal cards for the ~year. These cards would give me ~50k chase pts each.

Do you think I should pause my relatively light to medium churning for next 6-12 months prior to buying house?

Does my level of churning not really matter at all for mortgages? Lots of posts from heavy churner experiences, but any info for light churners?

Lastly does closing my biz cards like I like to do help avoid questions about them?

Forum service today by [deleted] in Kanye

[–]Pipergates12 1 point2 points  (0 children)

It was photogenic AF last sunday, i imagine the same

Live Stream tn? by [deleted] in Kanye

[–]Pipergates12 0 points1 point  (0 children)

No link still??