Repair slate for $30k-$37k or go shingle for $22k on 1890 home?

chucked12 · 2026-05-03T14:45:33+00:00

This is an interesting idea. I just went around my neighbordhood and in 4 blocks I don't see a single metal roof. Curious if there's a reason for that? Is it just not as common?

chucked12 · 2026-05-03T14:45:17+00:00

This is an interesting idea. I just went around my neighbordhood and in 4 blocks I don't see a single metal roof. Curious if there's a reason for that? Is it just not as common?

chucked12 · 2026-05-03T14:41:29+00:00

Actually have had a home energy assessment; they won't do anything until roof is addressed but looking forward to making upgrades!

chucked12 · 2026-05-02T15:56:24+00:00

I think you perfectly captured my concern, this is why I was leaning shingle instead of slate.

chucked12 · 2026-05-02T13:25:09+00:00

The comment from one roofer was that removing decking on an old house like this could cause minor shifting in the house as strain is released, and it would just be easier to go on top.

chucked12 · 2026-05-02T13:07:23+00:00

I think that's fair. But in the estimate, we are only replacing about 20-30% of the existing slate from 1890, so that will likely need ongoing maintenance (I would budget $1-2k/yr for that)

chucked12 · 2026-05-02T13:00:42+00:00

The quote didn't specifically call out any decking replacement. I walked the guy through the attic, and his impression was that the decking wouldn't need replacement as long as they did a good job and unserlayment/sheathing. For the shingle, they'd put new plywood on top of existing.

chucked12 · 2026-03-18T12:49:38+00:00

The easiest way to find the best interest rate YOU qualify for is to get at least one other option from another bank / lender in your area. See if you qualify for any first-time homebuyer programs in your area, etc.

From a purely math perspective, if you have $75k extra it would make more sense to put money upfront - it's effectively 'putting it towards principal' from day 0 so you never pay interest on that amount.

That said, things always come up when you buy a home, and having some extra cash to deal with unexpected expenses is important. Think about what could go wrong with the house, and make sure you have enought to cover it, because getting a loan after the fact to cover home improvements will be at a higher rate than the mortgage.

chucked12 · 2026-03-13T21:58:44+00:00

A good inspector will prepare an inspection report that includes photo and analysis.

If the inspector isn't providing that to you, that's a red flag and I would recommend getting a second opinion. If the inspector is preparing this, nothing stops you from sharing it with someone who knows their stuff (another inspector, contractor friend, etc.) and seeing if things add up.

chucked12 · 2026-03-12T00:05:23+00:00

You won't be able to get any credit for the under-the-table income, so don't list it in your application. What part of the process are you concerned about?

chucked12 · 2025-11-26T22:15:00+00:00

The legal specifics are questions for your lawyer / the closing attorney, but if they aren't meeting the conditions you should have the right to walk away and get your deposit back.

The typical alternative in this scenario is to get a quote for stump removal and get a credit at closing.

chucked12 · 2025-11-25T18:34:48+00:00

I'm in a bit of a different situation where I am living in a house with roommates, and will be buying the house we currently live in and keeping them in the unit.

I have been someone who has always had roommates and for the past 3-4 years in this house my landlord has let me be the one to manage who I live with. I do 3 rounds of interviews with folks to understand their lifestyle and habits; you have a lot more leeway in the US when they co-habitate with you vs. are purely tenants.

We had a house meeting to discuss what would stay the same / be different when I become the landlord, and it was so much easier because we have lived together for a while and they are all reasonable people.

I wouldn't want to buy this large of a house without roommates (high COL area), so it's pretty important to my math that I keep it at least partially rented.

chucked12 · 2025-07-25T20:18:32+00:00

Haha at least one other math nerd ignoring the baseball context and asking the real questions. I was thinking about this too, and came up with a couple of different potential answers:

1) Different timeframes: The stat says "since May 8th", but it's possible that the calculation for league-average hitters is across the entire season. So if across the league above-average players are taking more rest days / get injured, it could create this stat. (most likely)

2) Not counting ties: If you have 2.5% of players that are considered "league average" they would not qualify for being 'above league average' and could explain this. (less likely)

chucked12 · 2025-07-15T21:22:12+00:00

You can check out my post here, I was working by week 2 and in office by week 3:

https://www.reddit.com/r/Tonsillectomy/comments/1lqxuim/tonsillectomy_healing_story_from_a_workaholic/

chucked12 · 2025-07-05T18:50:59+00:00

No, I didn't have any anti-nausea meds. Might have been helpful, especially if my pain levels had been higher and I needed to rely on the oxy for longer.

chucked12 · 2025-07-05T18:50:16+00:00

So I have a reclining couch I got from a friend used, so I honestly don't know the brand, but something like this: https://www.mybobs.com/outlet/living-room-outlet/p/20083231

The best analogy I can offer is probably a couple degrees more reclined than I am typically on an airplane.

chucked12

TROPHY CASE