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Old 09-29-2013, 02:22 PM  
coachgeo
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Pink is porch. this is off county website so only outer dimensions are shown. At work now. Will late tonight redraw with interior walls

Planning for adult couple and a child. I have to upgrade toward that goal in order to redo financing with a bank by Sept. 2015 so I can pay off the balance to the present owners whom is financing at this time. Banks would not finance it cause of several reasons with the largest being there is ZERO single bed homes in the area thus they have no comparables in order to create a value to base a loan on.



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Old 09-29-2013, 03:05 PM  
nealtw
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I think you have to have a better understanding of what the bank will need for you to qualify the house for a loan. In newer homes (bigger) they often have what they call flex rooms that would be plenty big enough for a bed room but do not have a door for privicy, a closet and an egress window. You can sleep anyware you want but the bank likely is talking about a second bedroom with all the requirements. I would start with a letter of understanding with more than one loan company on what they would find acceptable.



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Old 09-29-2013, 03:10 PM  
guyod
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I did the same thing in my last house its a lot easier to refianace than getting a mortgage.
If that is you main concern for the bank. Then make sure that 2nd bedroom is at least 70 square feet. That is the min for bedroom. You can leave washer and drier in there then when the appraiser comes take them and hide the hookups with a piece of furniture.

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Old 09-29-2013, 03:33 PM  
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Thanks guyod, I hadn't herd min. size before. Just for getting the loan a temp wall dividing the bedroom would likely be enough, perhaps another window. I would do something like that and plan for an addition after the sale. Like building where the deck is and a bonus room could be built in to the new roof line.

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Old 09-29-2013, 08:15 PM  
coachgeo
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If my plans go right......... One thing Im shooting to add value to this land/home package nearly instantly for a minimal cost is I am adding a Micro Home with a value of approx $20,000 onto the land. Bank may consider it a Mobile-home/Modular home or may not cause though it is NOT modular construction; it is transported on wheels to location. Who knows then what they will call it. So in the house we have been discussing I "may" not HAVE to meet the second bedroom need for improving odds of getting bank financing in 2015

It is SOLID "real" 12'x20' LOG construction home. Each Log is 4"thick and 8" in height w/chinking. Comes with a high quality Metal Roof. Not metal "mobile home roof"....... but "Residential" Metal roof. To purchase same unit new it is $47,000 so no it is NOT one of those side of the road storage units that look like fake log cabins you can tow with your dually truck into your back yard. This one is approx 6 years old. Full kitchen and 1/2 bath. I already own it. It is going to cost me approx $10,000 though to move it from it's location in TX to here in OH. I move it here over Xmass break coming up. Adding an addition to this home here will cost way over 10 grand cause it would HAVE to be done via contractors and not by me even though I'ld get all proper permits. Already got estimates. Just adding a roof to the porch was estimated at 10grand.

Also by time Im refinancing I will have had 3 years of steady employment. Before that I was homeless nearly 3 years trying to find work after the economy crushed the business I dreamed and saved to start for thirty years. Banks obviously didn't like that work history so could not get traditional or even FHA home long. They didn't care that I used EVERYTHING (but the cabin itself and a few Diesel Motorcycle project parts) to keep the biz open for 4 years till I had nothing left. Went thru approx quarter million dollars out of pocket trying to keep the biz open. So Im a little stubborn.

Finally gave up and left TX to find work. There were only 3 full time jobs in my coaching field in the whole eastern US. None of them in TX. Been doing the same career since I was a young teen. Added a BS with four college degree areas and MA work in Biomechanics/Motorlearning holding myself to higher standard of academic preparation to be professional in the science of coaching gymnastic sports.. sorry....... got long winded.......

Any way point is; chose to finance this particular small home here in OH, cause one; it is on one acre thus having room to add the cabin which gives me instant increased value. Two; After remodelling this little home it will match well with the rustic Log home living Im shooting for. Add a barn (shop/garage with barn look) and I'll be in fat heaven) Price was under 40 grand so that helped too. A hidden gem. Another plus to this location in OH. It is in good driving distance of several colleges with reputable nursing/medical school programs

So yes the home we have been discussing about vaulted ceilings lofting etc. will eventually get siding interior/exterior to match the cabin as well as metal roof. Hopefully can roll that into the financing in 2015. High quality log cabin siding (ruff honed flat Amish Log pine look with white chink between logs.) This will match the cabin's look though it is true log construction. I will rent out cabin to college students. Much Later in life I will trade a nursing student or nursing student w/small family room and board in the home to be my care taker. I will live in the cabin. . Least that is the thinking.

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Old 09-29-2013, 08:39 PM  
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Boy that is quite a story, any chance of backing the cabin up to the house and calling it a bedroom.

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Old 09-29-2013, 08:46 PM  
coachgeo
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Quote:
Originally Posted by nealtw View Post
Boy that is quite a story, any chance of backing the cabin up to the house and calling it a bedroom.
When I tried FHA financing they said NO but Im still unsure. That was my original thought too though doing it that way also does not fit as well with the idea of renting it out nor trading for medical attendant in distant future. What college student or small young family wants to "live" with an old man lol. (Im 51 now)
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Old 09-29-2013, 09:32 PM  
guyod
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Its good to hear your back on track. I like your plan and have debated doing something similar. There is so many laws and regulations doing it legally is sometimes impossible or too expensive. Its not the bank that determines if your cabin is mobile or modular its the township. What ever they stamp on your tax record is what it is to the bank. You would need a proper foundation for the town to even consider it being a permanent structure. There is zoning, code laws, well and septic electrical issues. I would talk to your local inspector sooner than later. You may find out that its best to cut your loses and sell the cabin in TX.

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Old 09-29-2013, 09:50 PM  
coachgeo
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Its good to hear your back on track. I like your plan and have debated doing something similar. There is so many laws and regulations doing it legally is sometimes impossible or too expensive. Its not the bank that determines if your cabin is mobile or modular its the township. What ever they stamp on your tax record is what it is to the bank. You would need a proper foundation for the town to even consider it being a permanent structure. There is zoning, code laws, well and septic electrical issues. I would talk to your local inspector sooner than later. You may find out that its best to cut your loses and sell the cabin in TX.
Zoning allows modulars in this area. Already verified. An "oversized" for this house On site sewage system (septic tank/leach field) was installed 3 or 4 years ago and "should" allow for adding cabin to it without much fuss. Cabin was desinged for RV park installation as a rental unit there for it simply "Plugs in" to a 220v outlet. 2003 remodel of house had 220v power line brought into house. Split off 110 in the rewire of home. Not sure if they did half the house on one leg of 110 and other half as other leg? That is how cabin is done I know that. Anyway sounds then like electrical hook up should be relatively easy with a 220 line already present. A single drain 6" septic drain pipe from cabin too septic tank should suffice as well. The over kill of 220V and septic in the remodel is another reasons I set out to purchase this house.

but your right....... I should do further clarification ASAP. I HAVE to move the cabin by Jan. 1st no matter what.

Do counties keep permit records? Should I not be able to look up all the permits and associated drawings connected to the changes in septic and remodel in 2003? Remodel was basically a full restoration of the home.
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Old 09-29-2013, 10:17 PM  
guyod
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I don't doubt you can put the cabin on your property. I was questioning making it a legal apartment. You can't just park Rvs, mobile homes, or cabins on your property and rent them out. There is zoning and code laws you need to find out. You can always do an illegal rental but trying to evict a tentant for not paying on an illegal rental could be ...awkward in court.



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