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Unread 01-24-2008, 11:28 AM   #16
tcourdin
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Quote:
Originally Posted by Ross
If you are looking in MO let me know.
Nope, I'm looking in Northwest AR, thanks though! We recently sold our family farm in Cassville MO, we had about 500 acres. We never used it then but I think these days we would have, I wish we had kept it!

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Unread 01-24-2008, 11:44 AM   #17
General Lee
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Quote:
Originally Posted by ionakana
Try to keep it at 15 years if possible and no more than 25% of your take home pay.
25% - Thats not really possible in most areas these days.
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Unread 01-24-2008, 12:24 PM   #18
Ross
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Quote:
Originally Posted by tcourdin
Nope, I'm looking in Northwest AR, thanks though! We recently sold our family farm in Cassville MO, we had about 500 acres. We never used it then but I think these days we would have, I wish we had kept it!
Pretty much anybody who had land will regret selling it at some point and time. I have about 21 acres and I love it, 500 would be great.
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Unread 01-24-2008, 01:53 PM   #19
MoJeeper
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Quote:
Originally Posted by General Lee
25% - Thats not really possible in most areas these days.
Yea, it will be more for me, but I've lived on a lot less so I'm not real worried.
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Unread 01-24-2008, 02:01 PM   #20
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As a General Contractor I can tell you that this is the best time to build a house I can ever think of. Rates are at an all time low (in my memory). Builders are siting on a ton of spec houses that they can't get sold since people are having a hard time selling their homes to buy the new ones. If you are doing a custom build meaning you go get a contractor and you pick your blueprints out. He builds it to what you want. You will get a great deal as there are a ton of contractors hurting for work right now. They will give you a good deal just to stay busy. I would suggest using these words when you deal with looking for a contractor. Tell them you want to build it "cost plus". This means. You agree on a number. Lets say 15 grand. That is what you will pay the contractor to bring in all the subs look over the job pull permits and build it under his lic. and insurance. Then he shows you every bill every bid etc. You get to pick from the subs tell him who you will and wont be using. YOu get to play contractor in a round about way. Then you know there are no hidden costs. You pick your fixtures etc. He gets his 15 grand and everyone is happy. PM me with any questions. This is something I know a lot about.

Todd
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Unread 01-24-2008, 02:07 PM   #21
MoJeeper
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Thanks for the info, right now we are leaning towards a modular, so we have everything pretty much specced out the way we want it. Not counting the basement sqft its gonna run around $83 a sqft.
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Unread 01-24-2008, 02:18 PM   #22
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I'd go for it.

Did mine owner/builder about 22 years ago. Since I did most of the work myself... came out to 'bout $27 sq.ft.




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Unread 01-24-2008, 02:23 PM   #23
MoJeeper
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Quote:
Originally Posted by RockWoRM
I'd go for it.

Did mine owner/builder about 22 years ago. Since I did most of the work myself... came out to 'bout $27 sq.ft.





Dang!!! If hadn't of been 2 yrs old at the time i would have built one too for that cheap!!
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Unread 01-24-2008, 04:46 PM   #24
ErikJordan
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if you can afford it now... build it.
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Unread 01-24-2008, 04:58 PM   #25
Willys2TJ
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Quote:
Originally Posted by T.H's Jeeps
Thanks for the info, right now we are leaning towards a modular, so we have everything pretty much specced out the way we want it. Not counting the basement sqft its gonna run around $83 a sqft.
Its not a bad time to build.

Its not a good time to pay $83/SF for a modular. There will NEVER be a good time to pay $83/SF for a modular. Sorry. I've seen these people work and what they charge (overcharge). You'll have more in the property than its worth when complete.

DO NOT use their mortgage company or appraisers if you continue on this ill-conceived path. You absolutely WILL GET SCREWED.

Run like a scalded dog.

This is your final warning.
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Unread 01-24-2008, 05:08 PM   #26
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$83 for a modular is TOO MUCH!! Shop around, I saved tons of money last year when I built meeting with many different builders. Good luck.
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Unread 01-24-2008, 07:22 PM   #27
MoJeeper
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How can you tell me 83 for a mod is to much? You know nothing about the specs of the mod I'm looking at. $83 is sitting on a full open ended basement. I've looked at ALOT of houses lately, and yes there is a big difference in houses, but the one I've found is 2X6 exterior walls and 2X10 floor joice. Its built to the same specs as my inlaws stickbuilt home.
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Unread 01-24-2008, 07:47 PM   #28
malone
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Quote:
Originally Posted by T.H's Jeeps
How can you tell me 83 for a mod is to much? You know nothing about the specs of the mod I'm looking at. $83 is sitting on a full open ended basement. I've looked at ALOT of houses lately, and yes there is a big difference in houses, but the one I've found is 2X6 exterior walls and 2X10 floor joice. Its built to the same specs as my inlaws stickbuilt home.
I misunderstood, I thought $83 was without the foundation. I stickbuilt mine for just under $100 a sq ft.
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Unread 01-24-2008, 08:05 PM   #29
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Quote:
Originally Posted by T.H's Jeeps
How can you tell me 83 for a mod is to much? You know nothing about the specs of the mod I'm looking at. $83 is sitting on a full open ended basement. I've looked at ALOT of houses lately, and yes there is a big difference in houses, but the one I've found is 2X6 exterior walls and 2X10 floor joice. Its built to the same specs as my inlaws stickbuilt home.
You're right. Your deal is special just like your new modular. No others like it in the world. The dealer isn't going to put it up your a$$.

But as an appraiser, I've seen them do it to every other modular buyer in the past 20 years that I've been in business. These dealers work on huge margins on the units and then charge about 30-40% profit on setup, driveway, septic, wells, foundations, etc. But you obviously are getting a special deal and you will be happy the rest of your life, that is, until you try to sell it. But you plan to live there forever (I've never heard that one before ) so it doesn't matter.

You think I'm full of BS so go ahead. I'll guarantee you that the only way the deal will work is because they will "conveniently" set you up with their own lender. (They also make money on your financing thru kickbacks.)

You asked for opinions; you got mine. Now go ahead and buy the modular and live happily ever after. Just don't be surprised that when you refinance someday, you'll discover that its worth about 80% of what you have invested.
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Unread 01-24-2008, 08:29 PM   #30
MoJeeper
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I don't think your full of BS I think your an A**. But thats my opinion now isn't it. You have NO idea what kinda deal I'm getting or what I'm buying. You have NO idea how I live or what my plan is the rest of MY life.

I higher my own contractor to do the basement, septic, water and driveway. OH yea I'm going through MY OWN bank to finance. So you obviously have NO idea what you are talking about..there's my opinion.

I kinda like my special deal.
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