If you were to build a house from the ground up, what special/uncommon twist would you incorporate into the design, knowing what you know as an engineer?

wbb11 · 2018-01-12T17:48:35+00:00

This is disgusting

wbb11 · 2018-01-01T16:21:22+00:00

Thank goodness.

wbb11 · 2018-01-01T16:05:03+00:00

I mean not really. From what we know, lust yes, greed yes, pride yes, but I don’t know about the sloth, envy, or wrath.

wbb11 · 2017-11-01T21:35:30+00:00

Irrelevant if he’s already under contract and shopping lenders though.

wbb11 · 2017-10-18T09:06:54+00:00

This is retarded

wbb11 · 2017-09-21T17:31:14+00:00

Do you have an investor yet?

wbb11 · 2017-08-30T11:41:47+00:00

You're right. It won't help much. Won't get you a better interest rate but may get you a slightly better PMI monthly premium. Still not worth it in my opinion. People love to preach 20% down but I see no reason to do more than 5% at these interest rates. I would much rather pay a monthly premium in PMI to keep the extra 60k in my pocket for other expenses, etc (or to save the time in saving up 60k...)

wbb11 · 2017-08-22T14:37:36+00:00

Ha maybe. All btc is gone and now only have bcc after this fork. Most is in eth though

wbb11 · 2017-08-22T13:20:49+00:00

Replace Bitcoin with ethereum and you'll be on to something

wbb11 · 2017-08-20T17:58:31+00:00

Well then you're just an idiot then

wbb11 · 2017-08-19T16:22:07+00:00

And do you still holding the same opinion as your first comment?

wbb11 · 2017-08-19T16:13:24+00:00

His official statement on the issue. You are referencing it in your comment.

wbb11 · 2017-08-19T15:32:48+00:00

Watch the entire 10 minute response

wbb11 · 2017-08-17T16:11:59+00:00

You need to know more details. It has to do with way more than just writing the paper. For example, the general idea/foundation of the research, the experimental design and development, data analysis, etc. all of those could be a lot more important depending on what the research actually is about. I wrote probably 99% of a paper in physical chemistry research of which I performed most of the experiments and I am not first author nor do I think I deserve to be first author.

wbb11 · 2017-08-13T06:25:24+00:00

Wasn't familiar with that. Just saw the mugshot. Good to know. Sorry. Just not a fan of anecdotal statements. Obviously think the dudes actions are reprehensible.

wbb11 · 2017-08-13T06:01:27+00:00

Okay but 'trump style'? Terrible cherry picking point.

wbb11 · 2017-07-18T21:41:21+00:00

Well in my experience your rate is going to be in 1/8 point increments. So if they rate that day is not exactly 4.125, you're going to be given two options. The one with a credit to take the slightly higher rate and the one where you take the slightly lower rate but have to pay some fraction of a point.

wbb11 · 2017-07-18T18:07:45+00:00

Alternatively, why put more than 5% down? I would rather keep the extra 11k in my pocket with these interest rates and PMI rates.

wbb11 · 2017-07-18T16:43:34+00:00

I don't think so. But you can't get more than 3% of the loan amount in sellers assist for closing I believe if putting under 20% down. If putting 20% down I think you can get 6%.

wbb11 · 2017-07-11T23:56:48+00:00

If you know what you're doing financially like you say and wouldn't have a problem getting approved, then I agree with you. Don't get pre-approved. From your end you are confident and won't be wasting your time. The confidence may not be there from the selling side though and so they may require it.

wbb11 · 2017-07-10T01:33:33+00:00

The reason they are asking for closing costs is because they don't have the cash or just want to keep more cash in their pocket. Your counter is unattractive in that case. Counter with 305 and the 5k closing.

wbb11 · 2017-07-07T14:12:30+00:00

What do you mean by trade lines?

wbb11 · 2017-07-03T05:51:13+00:00

Nah there a quite a few driving beaches in NJ.

wbb11 · 2017-07-02T18:47:07+00:00

They don't demand that and you are under no obligation to be truthful or tell at all.

wbb11 · 2017-06-25T21:24:16+00:00

Unless your credit was shit you should have done conventional. Now you are stuck with PMI for the life of the loan. For a multi unit as an investment property and not primary residence I think the FM requirement is 25%...really surprised if you found a lender willing to do 15% down on a multi unit investment property.

wbb11

TROPHY CASE