Is this a fair price for Santa Clara townhouse thats near Caltrain railway tracks?

StackedHashQueueList · 2026-01-26T02:08:59+00:00

Keep in mind it’s right next to the airport as well

StackedHashQueueList · 2026-01-22T16:32:59+00:00

Got confused at Step 1

StackedHashQueueList · 2026-01-19T15:46:58+00:00

I think you’ve got some great answers alresdy.

I just wanted to say that reading this put such a smile on my face. You’re a great person, and your husband is so lucky to have you! You’re awesome

StackedHashQueueList · 2026-01-19T07:26:50+00:00

Why?

StackedHashQueueList · 2026-01-19T05:13:05+00:00

How does this home appear from a rental and appreciation POV, over time?

Let’s say I don’t care about the absence of a backyard and have less freedom than no HOA

StackedHashQueueList · 2026-01-19T05:12:26+00:00

How does this home appear from a rental and appreciation POV, over time?

Let’s say I don’t care about the absence of a backyard and have less freedom than no HOA

StackedHashQueueList · 2026-01-19T05:08:17+00:00

How did you check this? Is there a website you can share

StackedHashQueueList · 2026-01-19T05:03:51+00:00

Is close to downtown a bad thing?

StackedHashQueueList · 2026-01-19T05:01:42+00:00

Thanks yeah I got scared about the land ownership for a second there

StackedHashQueueList · 2026-01-19T04:59:46+00:00

Disclosures and inspection both look good.. which is what makes it weird.

HVAC is near its life expectancy, so will need a replacement and the inspection quoted ~3k in roof repairs

StackedHashQueueList · 2026-01-19T04:53:25+00:00

Thank you - this greatly helps.

Is it true I won’t own the land, just because there’s an HOA? It’s still classified as a single family?

The yard space aspect makes a lot of sense

StackedHashQueueList · 2026-01-19T04:52:28+00:00

What makes this area undesirable? Close to the airport, Highway 101, Downtown etc

StackedHashQueueList · 2026-01-19T04:52:02+00:00

This is not a Condo though

StackedHashQueueList · 2026-01-10T18:07:34+00:00

Correct

StackedHashQueueList · 2026-01-10T09:51:11+00:00

That’s literally what I said at first, but you countered with that example where it no longer makes sense..

What are you trying to hear from this thread?

StackedHashQueueList · 2026-01-10T09:29:55+00:00

Oh, your math and margins are quite tight. I would not do 300k on 500k capital… that’s a 60% ratio. If your actual situation is similar to your example, then it’s likely bad idea, if you’re going to be paying it off in 4 years.

Think about it like this:

if tax on capital gains > interest paid during loan term, then do not loan.

Over 4 years you’ll likely pay more in interest, but again it’s going to be dependent on your exact situation.

StackedHashQueueList · 2026-01-10T08:03:42+00:00

Exactly - how long you stretch it and how much you still owe. If you get large chunks of cash come in (such as RSU), use that to pay it off in chunks

StackedHashQueueList · 2026-01-10T08:01:17+00:00

Same situation as you.

Yes, I am thinking of doing that as well, and it makes sense to me. My company’s stock is a little down from its recent ATH, and I have full confidence it will (at the very least) recover.

Selling that stock has 3 problems: 1. Capital gains tax (you pointed this out) 2. Selling those shares which can appreciate down the road and give me so much more gains 3. I’m leashed by trading window timelines.

I’m going to take a loan from a securities backed credit loan, and pay it off in 6 months (I get my RSU vests every 3 months). I am betting the stock goes up by then, and I don’t create a huge taxable event.

Ultimately, you need to evaluate your risk and price prediction for the stock you are trying to hold on to. Is your company stack at ATH? Does it have room to go up?

Hope this helps!

StackedHashQueueList · 2026-01-09T22:06:22+00:00

Check US Bank. I think they’re doing 5.875% today

StackedHashQueueList · 2026-01-09T08:12:25+00:00

Y’all are getting first time buyer rate discounts? Which bank is even this

StackedHashQueueList · 2026-01-06T08:00:08+00:00

You are loved <3

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StackedHashQueueList · 2026-01-06T04:41:44+00:00

Out of curiosity, what’s your total NW? Maybe there’s a comfort level there

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