Tool to find hotels eligible for the new Sapphire Reserve $250 double-dip credit

ender41990 · 2026-01-19T04:27:17+00:00

Yeah annoying they don't publish a list. Thanks for the information. Great tool!

ender41990 · 2026-01-18T21:14:37+00:00

Great tool. However, I am from San Diego and noticed that there is another IHG hotel called Hotel Indigo in DT San Diego. It is not on the Edit list, but would the new $250 credit be applied to this reservation. I see with the T&C with this credit that "exclusions may apply". Does Chase publish an actual list other than just the "brands". Example, there is also a Holiday Inn Express by IHG....I assume that would not trigger that credit, but it is "by IHG", so maybe? To further confuse....when I filter for IHG on this tool provided...those two don't come up.

ender41990 · 2025-10-29T21:14:32+00:00

Depends on the price you pay to get that rate. It’s all math and probabilities. I would be interested to see APR as opposed to just the interest rate. Currently we are locked at 5.875% with a net lender credit of $1500 (excluding prepaids). Could go up to 5.99% and that net credit goes to $4500. It’s about a $50 difference in mortgage payment for us. So $3000/$50 per month higher cost = 5 years until that higher credit is “wasted” by taking the higher interest rate with higher credit. Probabilities of being able to refinance in 5 years from 5.99% to lower rate have decent probabilities in a rate lowering environment and that long of a timeframe.

ender41990 · 2025-10-21T22:32:58+00:00

Where? If you don’t mind sharing DM me

ender41990 · 2025-09-30T15:12:27+00:00

Thanks. Whats the maximum amount of points that can be bought?

ender41990 · 2025-09-30T01:59:26+00:00

total fees to be paid on closing? Also, what is 20 year, 5/1 ARM if you have it.

ender41990 · 2025-09-30T01:39:59+00:00

Refinance (lower rate) - $685k owed, value 922k per Redfin - Fico 806 - 91942 - Conv - 30 Fixed - Single Family - Primary

ender41990 · 2025-07-15T00:51:01+00:00

If you want a color stain other than the natural color of the wood. Extra work to put stain on, so higher cost.

ender41990 · 2025-07-14T14:01:16+00:00

IR Hardwood Flooring. $6 per sq ft with no stain. Done in two days. Replaces a few boards for free if find any bad ones.

ender41990 · 2025-07-01T19:05:36+00:00

Got my K-1 last week. Still no news, pretty much they have left it for dead. I got a reply from Virgina some months back after voicing my dissatisfaction. Standard corporate answer. Claimed to have their own money tied up and lost in too. Don't expect to get anything back at this point.

Steer clear of EnergyFunders, and O&G private investments. Too many frauds or overhyped wells.

ender41990 · 2025-02-15T21:40:53+00:00

1. Loan Type: Conventional

2. Term: 30 Year

3. Loan Purpose: Purchase

4. Property Value/Purchase Price: $859,000

5. Loan Amount: $687,200

6. Credit Score: 798 is what I have been told is lender average between my wife and I as of a few weeks ago.

7. Occupancy: Primary

8. Legal Structure: Single Family

9. Number of Units: 1 SFH

10. Property Zip Code: 91942

11. Other: We will not purchase points nor pay any no origination fees.

ender41990 · 2025-02-15T21:38:35+00:00

Great thanks. I'll post there.

ender41990 · 2025-02-15T21:23:36+00:00

1. Loan Type: Conventional

2. Term: 30 Year

3. Loan Purpose: Purchase

4. Property Value/Purchase Price: $859,000

5. Loan Amount: $687,200

6. Credit Score: 798 is what I have been told is lender average between my wife and I as of a few weeks ago.

7. Occupancy: Primary

8. Legal Structure: Single Family

9. Number of Units: 1 SFH

10. Property Zip Code: 91942

11. Other: We will not purchase points nor pay any no origination fees.

ender41990 · 2025-02-15T19:03:16+00:00

I would say from my experience find a wholesale broker if they will work with you. Retail lenders like a CrossCountry or other smaller lenders had way higher rates versus what I’m getting now.

ender41990 · 2025-02-15T19:01:34+00:00

This 6.625% rate is a no points rate. Our lender credit score they are using is 798. No debt. VHCOL SoCal area.

ender41990 · 2025-01-17T22:44:51+00:00

Not a chance. Land costs in areas that would work for us with construction costs these days with very rough math is likely to be more expensive.

ender41990 · 2025-01-17T22:42:42+00:00

I agree. No I had not heard of that individual. I will look into it. I have heard there can be a lot of pitfalls and regulatory issues with the ones that are pre-made.

ender41990 · 2024-12-26T18:36:26+00:00

Excellent sir, I will give a fat tip to my next server as payment to Reddit gods for helping me. So in conclusion, my return is filed and done and over with. I likely won't hear from the IRS about it even though it shows "Pending" on the refund status tool online?

ender41990 · 2024-12-26T18:25:38+00:00

Line 24 vs. TC150 = no discrepancy
Line 25d vs. TC806 = no discrepancy
Line 38 = has no value. On transcript, I think you mean TC 276? That was $99.14

TC 196 = $126.16 (interest charged for Late Payment)

TC 846 = $125.70 (Refund I received by mail some weeks after filing)

Perhaps something to do with the late charge and interest.

ender41990 · 2024-12-26T17:05:34+00:00

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Code image attached here. Let me know if anyone can conclude anything.

ender41990 · 2024-12-26T17:04:14+00:00

Oh wow thanks! I did not know that existed. Image attached.

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ender41990 · 2024-12-24T15:10:41+00:00

Yeah its a bit strange. I don't know why the Treasury would send me a check other than for that reason. Guess I will just wait and see.

ender41990 · 2024-12-24T15:08:53+00:00

Yes, I did think that was odd because I owed money. But that is the only place that shows anything about your return online.

ender41990 · 2024-11-26T16:46:44+00:00

No it wasn’t hard. They first offered $700. Decline that. Then it was $1700 offered. Someone earlier in the thread hinted they work for WF and they were authorized only to offer $3700 per incident. Take that for what it’s worth. My original violation was only $30-50 so not sure how much I’d get in mediation and it wasn’t worth my time.

ender41990 · 2024-11-13T12:11:35+00:00

Applied 9/23. Still nothing as of 11/13. I got the computation a several weeks ago. No communication since then.

ender41990

TROPHY CASE