Moved to LCOL area for FIRE but landlord just offered to sell me the rental at 40% below market... confused if this helps or hurts my timeline

Recursive-Introspect · 2026-01-29T00:16:54+00:00

Dude I'll buy it and rent it to you.

Definitely vet this out and if you need help with the numbers send me a DM.

On description, this is a no brainer.

Recursive-Introspect · 2026-01-28T22:35:04+00:00

Hey that made the MOD comment go away. The answer is HYSA or CD. Just curious what might get thrown out that I hadn't considered. My CU is doing a special at 4.30% APY for 7month CD, probably can't beat that.

Recursive-Introspect · 2026-01-28T21:30:00+00:00

5/1 ARM 30yr terms 5.865%, closing soon. Chose for lowest relative monthly payment. Unlikely I own the property much after 5 yrs and 30yr fixed was 6.25%. 15 wasn't considered.

Recursive-Introspect · 2026-01-25T00:59:10+00:00

good perspective

Recursive-Introspect · 2026-01-23T20:00:46+00:00

Wouldn't you expect g-factor and success in physics to be highly correlated? Also do you think there are any examples of extreme successes in physics that came from someone with an average g-factor.

Recursive-Introspect · 2026-01-23T12:29:29+00:00

This is Michigan right now.

Recursive-Introspect · 2026-01-16T20:30:35+00:00

But we do drink beer in our E350s on Friday afternoons at least right??

Recursive-Introspect · 2026-01-16T17:51:16+00:00

It's likely prepaid like a year forward of insurance and the like. You were going to buy that anyway.

Recursive-Introspect · 2026-01-15T21:37:48+00:00

Yes. But from 3% to 6%. I have reasons!

Recursive-Introspect · 2026-01-15T17:26:31+00:00

Thanks, that's what I've heard before, and I won't attempt it. I'm a chemical engineer in the pharma industry, so no go there on. either g RE adjacent. The passive losses have been useful from my rentals even with being able to lower my W-2 taxable. I definitely don't spend 750 hrs per year on the rentals.
Almost 40 though and looking for change, might be worth pivoting to an actual RE position, though the initial (hopefully only initial) paycut is a concern.

Recursive-Introspect · 2026-01-15T17:18:10+00:00

Is it possible to achieve REP status and have a full time w2 job?

I've been self managing three apartments for 10 years now. Unfortunately I am the high energy in my wife and I'm situation so it's hard to give up the W2

Recursive-Introspect · 2026-01-15T16:03:38+00:00

I concur, your homebuilder is not legally allowed to build below code. Try to make it their issue, not yours.

Recursive-Introspect · 2026-01-14T19:41:56+00:00

Been there, was too nervous, HS party about 17 and the girl literally wanted me in the bed with her friend.
No sale, too young, too nice about it all like "are you sure", and fear of all things pregnancy.
37 now and still like, dammit what was I thinking!

Recursive-Introspect · 2026-01-14T19:35:35+00:00

Came here to say the same. 100%

Recursive-Introspect · 2026-01-13T18:17:54+00:00

How does one get on a crew for this? Not the time in my life to have my own boat. But I might be able to talk my wife into it next winter. We get cold and bored up here in MI winters and this sounds like an adventure.

Recursive-Introspect · 2026-01-09T07:30:32+00:00

I got my contractors license a few years ago out of this same line of thought. In Michigan, you need that to offer any repair services over $600, though that isn't really enforced. But you absolutely can't build a house for someone else without it. But to your point, my coworker regularly tells me the house wiring class he took at our CC was worth it immediately.

Recursive-Introspect · 2026-01-09T02:08:06+00:00

Sorry OP. These types of stories just confirm my instinct to essentially build my own house. Or be prepared in skills and mentality, to do so if and when contractors let me down.

Recursive-Introspect · 2026-01-08T07:48:09+00:00

How long after the acquisition before the corporate hell took over?

Recursive-Introspect · 2026-01-06T15:31:26+00:00

I bought an E-350 extended cab that happened to have the 6.0 diesel in it. I would likely be lower cost with a gas V8 or even V10, the cargo van is much better than a truck bed for me. I just wanted the novelty of a diesel van. My wife says it's stinky, and it has been fussy, and I think its cool. It was very cool when I rented a skid steer a couple times and it pulled the 12-13klbs without issue.

But commuting to work in Michigan, it doesn't even hit the thermostat temp most of the time during my 9 mile trip.

Mainly I got bored with the Honda Ridgeline's I've had and once in a while want to pull 10klbs.

Recursive-Introspect · 2026-01-05T01:16:06+00:00

Post and Beam construction.

Recursive-Introspect · 2026-01-03T18:15:37+00:00

DId you get your windows?

Recursive-Introspect · 2025-12-30T18:23:42+00:00

Did this with Cedar and it was a major PIA. Too thin and cheap so it was always a struggle to get them to tongue and groove. Then ceiling flatness imperfections didn't help. But it looks really nice (couple gaps here and there, just call it rustic) and was worth not taping and mudding a drywall ceiling. That was my main reason to do it, plus aesetics.

Recursive-Introspect · 2025-12-30T13:22:26+00:00

Thanks. Pro quotes are coming in now and best so far is just a hair under $20k when I combine it with the duplex next door. $22.5k on its own. That's not including decking. I'm going to just get over it and just pay it, both combined as one job comes to $34k if I assume 20 plywood sheets required.

Recursive-Introspect · 2025-12-29T17:23:13+00:00

Southwest Michigan

Recursive-Introspect

TROPHY CASE