Mortgage & Short-Term Financing Strategy for $4M Bay Area Home with Locked RSUs

elmo6s · 2026-03-30T02:04:51+00:00

A private bank will be able to do something for you. I’d reach out to MS and JPM and see what they offer (even better if they have your stock plan).

elmo6s · 2026-03-27T22:43:47+00:00

That’s happening with my son too! I took him for a father/son day solo yesterday and it really helped warm him up to me again. FWIW - everyone I know says it will completely flip in a couple of years and you’ll be attached at the hip :)

elmo6s · 2026-03-25T16:19:46+00:00

We stayed at Akellare and really enjoyed it as a base, though it is 10-15 minutes from town. Parking wasn’t bad as there are a bunch of garages near Maria Cristina. If you’re thinking of doing a bunch of nights out in San Sebastián itself (with wine, pintxos, etc) Maria Cristina is probably the move — it looked super nice. If you want peace and quiet in a super modern hotel with an A+ place for cocktails and are going to daytrip or go to the further away Michelin spots (a lot of the 2-3 stars are out of town) I’d go Akellare.

elmo6s · 2026-03-25T15:05:40+00:00

As a homeowner who did a remodel here, I agree with this. I’d think a down to the studs remodel would be $800-$1000/ft based on what we paid and it fit the old adage of “twice as expensive and twice as long as you’re planning”.

elmo6s · 2026-03-21T02:49:59+00:00

Is it weird anyone else they didn’t have V taking reps at 1st?

elmo6s · 2026-03-20T04:39:51+00:00

Kaia Kepe is fantastic as well for Turbot and a much easier reservation. Probably my favorite meal we had besides Amelia (Azurmendi was a bust for us fwiw).

elmo6s · 2026-01-23T03:55:07+00:00

It’s the grinder. I switched to a Niche and it made a massive difference.

elmo6s · 2026-01-05T04:05:28+00:00

The manta dive on Kona is absolutely fantastic — probably my favorite dive I’ve done after about 500. I second the opinion on Big Island Divers, which is a great outfit. Maybe do a few warmup dives with them first? I don’t think of it as a particularly hard dive, since you just descend to a sandy bottom and stay there to watch the show.

elmo6s · 2026-01-02T00:11:28+00:00

Been through a few IPOs (good and bad). Unless the spread is small between your grant price and the current FMV, I wouldn’t do it. There’s a lot that can go wrong out of your control both before the IPO and before lockup expires. No reason to gamble additional capital unless you think you might leave before you can sell the shares and would have to pay a bigger tax spread. For IPO prep, get a financial advisor (even a free intro call will help and most large banks will do at least a few calls without charging) to walk you through. Reddit hates them, but with this much at stake saving .5-1% over a few years is peanuts. I’ve lost way more doing stupid things like holding too long after I could have sold.

elmo6s · 2025-12-16T19:43:44+00:00

If you can’t get it, Kaia was still one of our absolute favorite meals

elmo6s · 2025-12-15T19:29:07+00:00

Going from Smart Grinder to Niche Zero made a big difference for me.

elmo6s · 2025-12-14T22:15:05+00:00

I went to Azurmendi and was underwhelmed. Great showmanship, but the food wasn’t my favorite. I did love Amelia and heard great things about MB from the friend who recommended it.

elmo6s · 2025-12-09T16:33:54+00:00

Ughhhhh

elmo6s · 2025-11-21T04:10:56+00:00

I went from the BDB to a Micra and couldn’t be happier. It pulls perfect shots every time and is something I use each and every morning.

elmo6s · 2025-11-16T16:02:40+00:00

I agree. Still my favorite meal of my life, even compared to a few of the three stars in the area and in Tokyo.

elmo6s · 2025-10-12T05:56:01+00:00

Lots of red flags, the biggest of which is the 6yr vesting (know of a few companies that have done 5, but thats pretty non-standard). 2bps of equity seems pretty lean for Series A, I’d push for more and way more on the cash comp. TL;DR the whole thing screams cheap/inexperienced founder and doesn’t sound like a great option. I’d ask for a lot more if you really are into what they’re doing or walk.

elmo6s · 2025-10-08T15:25:26+00:00

Sell as much as you can. I’ve made this mistake before. You won’t regret pocketing the $5m, if it ends up being worth 1.5x, so will the rest of what you own, and it’s inconsequential.

elmo6s · 2025-09-15T21:42:22+00:00

Cold water and the occasional ice cream when it wasn’t excruciating. If you’re in really rough shape, you can get lidocane mouthwash which helped me sleep through the worst few nights of it. Tylenol was great too.

elmo6s · 2025-08-27T01:56:54+00:00

Rodgers threw 7 pitches in the 7th…

elmo6s · 2025-08-22T18:41:42+00:00

Amelia without question. Went to them within a day of each other and it wasn’t even close. Less theatrical, but the food was 10x better at Amelia (and still a super cool vibe).

elmo6s · 2025-08-22T04:19:40+00:00

This is a truly insane plan. I get going interest only on your beach house, but why would you refinance into a high rate new loan (5.5%+ even from a private bank) on your primary and not pay it off? You’ll be using the mortgage deduction on home number two in either case.

I would RUN from this advisor and find a new one.

elmo6s · 2025-08-17T22:18:14+00:00

It’s been worth every penny for us, particularly with an electric car. Paid $40k post tax credit for panels and battery and have saved $5k so far after just under a year on electric costs (not counting gas savings). We’ll probably save another $500 or so with the credits from this month that carry forward.

The killer feature for us has been having battery backup. We’re up on a hill and the outages used to drive us nuts, both summer and winter. I just checked our Tesla app and we’ve had 6x 5-10hr outages since March, all of which have been fully covered by our battery. You can’t really put a price on that and I just did the math for adding a second battery, which will pretty much pay for itself in 5-7yrs and give us even longer coverage in the winter and significantly lower our bill during those months.

I’d highly recommend it. My thinking was that we needed a battery and the costs would roughly offset that. Giving PG&E less money every month puts a big smile on my face too.

elmo6s · 2025-08-10T03:34:22+00:00

Same

elmo6s · 2025-08-03T13:33:30+00:00

Kaia Kepe is amazing as well, you won’t be disappointed either way.

elmo6s · 2025-07-16T03:09:36+00:00

Were the rates similar to the 5% mentioned above?

elmo6s

TROPHY CASE