INSANITY HOLY JEEZUS! The house I rent just got its new appraisal

Kris Gandillon

The Other Curmudgeon
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If moving to Texas, with no State income tax, it might be an advantage just to rent. No maintenance, no property taxes and just renters insurance.
Laurane…In case you missed it, Dennis already lives in Texas and has for the last 10+ years, and is a renter. This thread is really about him considering other options in other more accommodating (to his health and finances) locations.
 

Blacknarwhal

Let's Go Brandon!
I mean - that's pretty much the case in most of the blue states and even a good chunk of the red ones. Cityfolk are nearly always liberal. As soon as you get out of the cities, you find conservatives. Even in Cali and New York. The catch is, do you have ENOUGH of a rural population to counter the citidiots?

No one seems to. That's part of the rural appeal; there aren't that many of us out here. That's why we MOVE here.
 

anna43

Veteran Member
Iowa has sales tax but no taxes on purchases of food or medications which is a huge benefit. Income tax is a fact here, but I've never had to pay much due to low income. On SS I pay nothing. Vehicle licenses can be pricy for newer vehicles, but on my 2007 sedan I pay only $51 annually.
 

Meemur

Voice on the Prairie / FJB!
I'll toss this into the pot since Dennis is LDS: St. George, UT.

It does have a VA clinic:

Some info on rentals:

Please know that non-LDS folks can live there! But it greatly helps in terms of
socializing if one is LDS, or at least that was my impression when I visited.
It does get hot in the summer, but the humidity is around 33%. I was there in late
July on a house scouting trip and not dying.

Distance from Austin: about 1,221 miles.

Do check into whether or not immigrants are being housed there. I suspect there are a lot
more of them in SLC. My sense is that TPTB in St. George are the older, more traditional Mormons.

(I dearly loved SLC, but the city fathers have let that city go to the devil with the immigrant imports. Ugh.)
 
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Snookered

Contributing Member
It IS one of the downsides to having so much water around. It tends to get in the air.

But then that's why we're grateful for air conditioning. It takes the sticky right out of the air.

As for Michigan "going blue", that's only in the cities. You may rest assured the countryside remains as red as it ever was.
Its true for the whole nation, if anyone looks at the demographics and maps, its predominately"red". I love the U.P. well in the summer and early fall, its gorgeous. I worked there delivering and whoa boy trying to deliver in Marquette when the roads are ice is like bobsledding backwards.
 

raven

TB Fanatic
Personally, I think buying a house is the best solution even with the higher interest rates.
This house was for sale near me recently - I even thought about picking it up as an investment.
$150,000.
Cute house. Nice quiet neighborhood. Small - 1150 sq ft - I could live there if single. Small yard but the back was fenced. I drove by it and there was a motorcycle parked on the right side and the left side has a gravel drive for an RV. Three small bedrooms. Payment calculator says monthly payment is $877/month which includes property tax and insurance. Nearest VA is 4 hours away.

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Luddite

Veteran Member
I suspect that will be resolved by partitioning off commercial real estate properties into sleeping rooms.

Sort of like the "pods" being reported in some Asian locations.

The big buyers see something in those defunct or soon to be defunct malls...


Comment regarding post #287.

Search "Capsule Hotels" if you're so inclined...
 

Buick Electra

TB2K Girls with Guns
You should check out Missouri. (I looked for under $75K and avoided St Louis)

208 W 7th St, Trenton, MO 64683 | realtor.com®

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Firebird

Veteran Member
Personally, I think buying a house is the best solution even with the higher interest rates.
This house was for sale near me recently - I even thought about picking it up as an investment.
$150,000.
Cute house. Nice quiet neighborhood. Small - 1150 sq ft - I could live there if single. Small yard but the back was fenced. I drove by it and there was a motorcycle parked on the right side and the left side has a gravel drive for an RV. Three small bedrooms. Payment calculator says monthly payment is $877/month which includes property tax and insurance. Nearest VA is 4 hours away.

View attachment 415435


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Cute home! I would have snagged that in a heartbeat for a rental property!
 

Meemur

Voice on the Prairie / FJB!
I'm not sure how Dennis is going to be able to afford a house at this point. He's not working and age 65. If he sold everything he owned and put it into a house, that might not leave him enough for repairs or taxes, depending on whether he gets an age 65 exemption. He also has health issues.

If he sells everything, he might be able to buy a rural piece of land to park the RV on, but that will be subject to zoning and local laws. It's getting harder and harder to do that, although it's not impossible.

The big advantage to owning the land is that the landlord has no say about the dogs or how long the RV can stay there, or even the age of the RV, again if local codes permit. Some codes say the RV or manufactured home can't be more then ten years old. That needs to change.

There's also utilities to consider and where to shelter from bad storms (if they are a concern).

Maybe Slab City? (I'm joking)


Added: Found a county in MO with NO ZONING


1685236747695.png Lawrence Co, MO
 
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Meemur

Voice on the Prairie / FJB!
It was gone in 60 seconds
I'm not surprised. Homes in the 50K - 80K get snagged quickly by either landlords or the nearly homeless.

If I were still in my 30s, I'd look into snagging several, too. I'm just getting too old and broken for extensive rehabs. If it requires more than painting / new floor coverings, it's too much for me.
 

thompson

Certa Bonum Certamen
I'm not sure how Dennis is going to be able to afford a house at this point. He's not working and age 65. If he sold everything he owned and put it into a house, that might not leave him enough for repairs or taxes, depending on whether he gets an age 65 exemption. He also has health issues.

If he sells everything, he might be able to buy a rural piece of land to park the RV on, but that will be subject to zoning and local laws. It's getting harder and harder to do that, although it's not impossible.

The big advantage to owning the land is that the landlord has no say about the dogs or how long the RV can stay there, or even the age of the RV, again if local codes permit. Some codes say the RV or manufactured home can't be more then ten years old. That needs to change.

There's also utilities to consider and where to shelter from bad storms (if they are a concern).

Maybe Slab City? (I'm joking)


Added: Found a county in MO with NO ZONING


View attachment 415561 Lawrence Co, MO

That's a pretty part of Missouri!


^ Demographics for Lawrence County look good

Zillow link to Lawrence County, Missouri homes for sale from lowest to highest in price:

 

Meemur

Voice on the Prairie / FJB!
Look for raw land and/or land that had a mobile home on it but isn't in a mobile home park.
If this were my search, I'd contact some realtors. There are sometimes unadvertised properties, especially with raw land. If it has a water, electric, and sewer hook-up, good! Otherwise, if there's little zoning, an outhouse might be a temporary solution so as not to overwhelm the RV system.

Iowa has some areas with little to no zoning, but land is very expensive here. That's why I started looking in MO for Dennis. I know a guy who got divorced, lost just about everything, and moved down to S. Missouri, bought 2 - 3 shipping containers and was going to convert those to a tiny house and a workshop. I lost track of him, but I remember he did a ton of research and had to move to MO to build a tiny house with few restrictions. He wasn't into social media, but I'll see if he ever did any youtubes. I'll post if he did.

S. Missouri is sort of a transitional area. It does get cold but it's not as brutal as Iowa. Summers can be hot and muggy, but not as bad as TX. Tornadoes can be a concern, so that has to be addressed. There are stand alone shelters, but they are pricey. I'd look into a "root celler," something fast and cheap, fabricated in a weekend with a backhoe.

Iowa company -- stand alone shelters

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DIY building a root celler / shelter
 
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Terrwyn

Veteran Member
less than a thousand square feet is barely enough to breath in. I am renting 2500 at $1900 a month.
You would be surprised what you can breathe in. We downsized from a very large 2 story3/3 house to a very small 3/1 house. I personally breathed a lot easier owning it free and clear. Plus it is on a 1/2 acre and the other home had a patio yard with a little grass.
I think those are nice small houses BE put up and Dennis would be lucky to have one.
 

Terrwyn

Veteran Member
Agents on House Hunters always say you are going to have to compromise. No house will have everything you want. The only thing I really missed from the big house was my own luxury bathroom. But I learned to get by with one. Other things made up for it like our garden.
That first house BE shows is really nice inside. Town sounds nice too. The central heat and air in it is more important than the 2nd carport as is the ethnic makeup of the town.
 

blindhog

Flats Captain
There is an RV camp here that some permanent residents have built decks and added carports, makes them look really "homey". Nice shady place with tall pines. No property taxes.....
 

raven

TB Fanatic
Finding a new home is probably the most personal endeavor there is. Requirements, needs, wants, and objections are virtually impossible for another person to predict. Financial resources can be difficult to quantify.

And agent can help . . . but they will only be able to show you what is available.
 

Thunderdragon

Senior Member
I have 5 acres. Three barns sheds On site. House needs tear down. Water electric on site. I am considering five tiny houses and/or double wides. I have a crew that can refurbish. Have septic lagoon solved. Missouri. Rent should be 600 each. plan would be over 50 year old residents . Kind of in the biz but have not gotten around to this yet. 50 min from va hospital. 15 from Walmart. On gavel road but only about a mile from blacktop.
 

raven

TB Fanatic
I have 5 acres. Three barns sheds On site. House needs tear down. Water electric on site. I am considering five tiny houses and/or double wides. I have a crew that can refurbish. Have septic lagoon solved. Missouri. Rent should be 600 each. plan would be over 50 year old residents . Kind of in the biz but have not gotten around to this yet. 50 min from va hospital. 15 from Walmart. On gavel road but only about a mile from blacktop.
I like Missouri for most of the year but winter . . . was too cold for me . . . or maybe just too expensive . . . or maybe the house was simply not insulated well enough. But objections can be resolved with compromises in other areas of life.
 

Thunderdragon

Senior Member
If you haven't already, check with local manufactured home dealers about repos. If you pay cash, they may cut you a good deal.
Will do. New manufactured homes are cost prohibitive. I miss the good ole days when fema was unloading used ones at steep discounts. The tiny house secondary market is starting to show some inventory.
 
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Meemur

Voice on the Prairie / FJB!
Will do. New manufactured homes are cost prohibitive. I miss the good ole days when fema was unloading used ones at steep discounts. The time house secondary market is starting to show some inventory.
With the economy on the skids, there should be more repos in the coming months. If your crew is good, you can return the repo to service in short order, perhaps faster and more cheaply than building a tiny home. I did see a place in TN (on youtube) that built and repo'ed tiny homes. Don't know if there is anything like that in your area.
 

Thunderdragon

Senior Member
I like Missouri for most of the year but winter . . . was too cold for me . . . or maybe just too expensive . . . or maybe the house was simply not insulated well enough. But objections can be resolved with compromises in other areas of life.
You make a good point. I usually add insulation on rentals. Whatever I can do to make sure $$ comes to me instead of going elsewhere. This property also has fruit trees and a chicken coop. The chicken coop lot would rent for more.I would have to do a lot of fence tho. Can’t trust everyone to get along.I drew out five one acre lots. Three would get sheds carport. One would get chicken coop.
 
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raven

TB Fanatic
You make a good point. I usually add insulation on rentals. Whatever I can do to make sure $$ comes to me instead of going elsewhere. This property also has fruit trees and a chicken coop. The chicken coop lot would rent for more.I would have to do a lot of fence tho. Can’t trust everyone to get along.
That must be a very nice chicken coop . . . LOL
 

Thunderdragon

Senior Member
2+ bedroom houses under 100K in Mo.

Nice link. Some of the towns are decent. Clinton is ok. A lot of jobs as they have a fishing boat manufacturing place. County seat with a hospital. Some towns are a bit remote and lacking amenities. I forgot to mention. First thing to do on remote property is get electric. Same day - need satellite dish. Will need a lot of ring cameras and no trespassing signs.
 

rafter

Since 1999
Nice link. Some of the towns are decent. Clinton is ok. A lot of jobs as they have a fishing boat manufacturing place. County seat with a hospital. Some towns are a bit remote and lacking amenities.
Yeah I know I live just south of town about 12 miles out in the country. There is a Walmart, Aldi and another grocery store as well as Dollar General, Dollar Store and Tractor Supply. So you pretty much have the basics. Amazon fills it what isn't here. However now I work out of KC so I commute.

Hospital is decent I had my knee replaced there because they have very updated equipment better than a lot of big city hospitals, plus I have gone in the Emergency a few times due to horse related accidents. I have lived in a lot of places in Mo, Colorado and Az. None is perfect, but all things considered with political views, and price...Clinton isn't bad.
 
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