Scary Houses?
kiwi_bird
8 years ago
Featured Answer
Sort by:Oldest
Comments (59)
cawaps
8 years agobpath
8 years agoRelated Discussions
Tear down my house and rebuild -financing?
Comments (13)Beware of one thing when dealing with a bank and doing a teardown - unless you make it very clear to the bank that you intend to tear the house down, they will end up being very concerned when it starts to come down. We recently had a situation where we bought a house and took out a mortgage for only about 50% of the bank-appraised value. We bought the house because it was a fixer-upper and we wanted to tear it down and rebuild. It was in very bad condition, and everyone else looking at it during the time we were making an offer on it felt the same way...there's no way someone could have lived in the house for long without fixing it up. We even told our mortgage contact at the bank that we were planning to tear it down and rebuild (with our own cash not a construction loan). He seemed supportive and commented many times on what a great lot it was and how nice it would be when the house was "done." So, it was clear to everyone involved that it was planned to be a teardown. Long story short(er!) - we bought the house in Sept, and in January, when we had our completed architectural drawings, structural drawings, had received building permits and were ready to start demolition, one of the final items on my list was to obtain "course of construction" insurance, which takes the place of homeowner's insurance when you are dealing with a construction/teardown project. In the process of signing the insurance documents, I noticed that the insurance company wanted to know if the bank should be listed as an additional payee in the case of a claim. I called the bank to ask if they're typically listed on a course of construction insurance, and after speaking with a few different representatives (none of who knew anything!), I was transferred to the office of the VP of Risk Management (or something like that)...anyway, someone on her staff almost had a fit when they heard that we were about to tear the house down. She kept saying that our house is the "bank's collateral" and not ours to do what we wanted with and that we could not proceed until we had the appropriate bank approvals, etc, etc. Keep in mind that we were not asking for the bank to pay for the construction, we are paying for the construction in cash, and we had an appraisal (done by the bank's OWN appraiser!) that was completed in September which showed the value of the entire property to be $1,100,000; they even broke this down between the lot value (approx $950,000) and the house value (approx $150,000). We have a mortgage for $500,000 so obviously, even in a worst case scenario, if the house was torn down and never rebuilt, the bank has FAR more collateral in the land than they ever had in the rickety old decrepit scary house!! Still, this person INSISTED that she had to go to some sort of approval committee and get approvals before we had a demo truck even enter the property. My husband and I were furious (although also somewhat bemused by this bizarre lack of logic and ridiculousness) and we spoke with several others at the bank who listened to our story and believed us when we told them that we had been very clear with the mortgage person during our loan approval process, telling him all the time that we were buying a "teardown"!! Our point was that, if there were further approvals necessary, he should have told us about them up front. Finally, we had a senior VP reluctantly agree with us but we are still being hounded by this VP of Risk Mgmt who is still insisting that we need to forward her a copy of our contract with our builder, our approved architectural/structural plans and all kinds of other info! At this point, we're ignoring her (because we have the approval of the senior VP), and construction has started, but this has been a big pain and total surprise. I'm telling you this long story because it just illustrates how crazy and upside-down the banks are these days and how their underwriting/loan approval processes have gone wildly from one end of the spectrum (super wide open) to the other (absurdly tight). My husband and I are the perfect clients for them - we have stellar FICO scores, have a longstanding history of repaying all our prior mortgages (two of which were with them), and MOST importantly, the bank has MORE than enough collateral in our current property to cover it all even if we never paid another dime!! So, I'm sorry to say it, but like others have basically said, I would be surprised if you get a construction loan with your current situation, and IF you decided to and could somehow do it on a line of credit or home equity situation, BEWARE that the bank will have a fit if/when they find out that you're tearing your house (otherwise known as the bank's collateral) down. Sorry, I don't mean to be a bummer about all this but it's best to go into it with eyes wide open and know the current lending/housing environment. Whatever you do, best of luck!!...See MoreHow to remove huge, heavy and scary fan in the attic?
Comments (15)I have finally found a way to remove it after some serious brainstorming. Thanks for your suggestions, but being that there was no feasible way to cut it up or otherwise demolish it in place, it did involve cutting out the joists around the fan (only three of them--they were sistered right after). But before I did that, with help I temporarily "suspended" the fan from the rafters with heavy-duty chains, bracing the rafters so the fan wouldn't pull the roof down. Keep in mind this fan had a boxed-like shroud, so it was huge and heavy. I built temporary bracing with 2x4's around the cutout and slowly, with help from four guys, lowered this contraption down into the living space onto dollies. It wouldn't fit out the entry door, but after removing it (which was going to be replaced anyways as it looked dated), it was out of my attic. Now it sits in my front yard until I get around to hauling it off to the dump. I really do wonder why someone would want something so big? And how did they get it up there? How did they not have curtains flying off their windows and towards the fan grate when it was used? The house was built in the late 1890's, so of course it wasn't "installed" when the house was built. There's no way it belonged in a residence. I'm surprised it wasn't three-phase. The reason why I didn't want it was because I am going to turn my attic into a guest room or home office, and it sat right smack-dab in the middle. The house is in the Midwest--Nebraska to be exact--where it is stifling hot in the summer, but the house is shaded very well by trees. It also has a 4-year-old heat pump, so I'll be using the AC. This fan had to have beem put up there WAY before then--before AC became common to the masses. It looked about 50+ years old. Thanks for your ideas and I'm sure I'll be coming back for more questions as I go further into this journey. It's been really fun! I'm particularly excited about the kitchen, which will be happening soon on the agenda!...See Morescary house help
Comments (30)I've had this fight with laag at least 8 times over the past 10 years under my GW username (which is more of a pain to log in to, so I just use this one now). Honestly, his insistence on his way being the only possible right way is why I abandoned the forum several years ago. Anyway, I finally decided to hire a landscape architect for my yard because I now (for once in my life) have more money than time, and it's as much for the GCing as for the actual design! Interestingly, the first that came out agrees with me that in my suburban 2 acre property, almost-full street screening is desirable, appropriate, and attractive and, in fact, the best solution as it create magical-seeming garden rooms--and that garden rooms in the front of the property--in the front yard, basically--are also ideal. He also suggested that I get rid of all the smaller trees (most of which I had flagged for removal already) but retain the big ones--"big" being 50-100+ feet, mature trees in a final-stage, old-growth forest that wasn't removed when the house was built. He reacted with horror at the thought of removing any of them. I guess he's an ignorant hack. After all, he's only won 13 LCA Grand Awards and an APLD International Gold Award, as well as a number of other distinctions of regional, national, and international significance. Context is EVERYTHING. Location is EVERYTHING. YES, your property should be lovely from the street. There's more than one way to do that in some cases, though. And a screen with an invisible house CAN be inviting. It's been interesting talking to him because he said stuff I was already thinking most of the time and practically finished my sentences. Where he disagreed, though (and he did), he was absolutely right. Lol....See MoreSmall front yard, drought, low maintenance
Comments (26)In terms of your question about curved paths - I can see why you might decide on a straight path given the size of your yard, but if you have a straight path, I think it would be better to have curvature in your plantings - right now everything is in straight lines. Most (but not necessarily all) landscaping pictures that I see have some curves. Or in the case where the design uses only straight lines, they will have for example, one rectangle, and then another that is jutted out from the first, and so on in such a way that the various rectangles actually visually look a bit curved. This is a picture that might show a bit of what I mean. https://www.houzz.com/photos/paver-walkway-traditional-landscape-columbus-phvw-vp~237790 In terms of your question about what type of walkway to use - my preference would be a solid surface as per your second picture. I think that the first picture looks a bit more like a casual path that would be in the back yard, and not in the front yard....See Morerunninginplace
8 years agoartemis_ma
8 years agolast modified: 8 years agokiwi_bird
8 years agolocaleater
8 years agolast modified: 8 years agokiwi_bird
8 years agoBunny
8 years agolast modified: 8 years agoUser
8 years agokiwi_bird
8 years agoUser
8 years agoBunny
8 years agoarcy_gw
8 years agokiwi_bird
8 years agolast modified: 8 years agoxarcady
8 years agokiwi_bird
8 years agoarcy_gw
8 years agorobo (z6a)
8 years agolast modified: 8 years agoraphaellathespanishwaterdog
8 years agoorganizedsarah
8 years agoUser
8 years agoUser
8 years agoraphaellathespanishwaterdog
8 years agokiwi_bird
8 years agokiwi_bird
8 years agoUser
8 years agoartemis_ma
8 years agokiwi_bird
8 years agokiwi_bird
8 years agolast modified: 8 years agoSpringroz
8 years agoAnnie Deighnaugh
8 years agomahlib
8 years agokittymoonbeam
8 years agomushcreek
8 years agomalna
8 years agovioletwest
8 years agoorganizedsarah
8 years agoorganizedsarah
8 years agoUser
8 years agoNothing Left to Say
8 years agoartemis_ma
8 years agokiwi_bird
8 years agoorganizedsarah
8 years agosheesh
8 years agokiwi_bird
8 years agodaki
8 years agokiwi_bird
8 years agokittymoonbeam
8 years agokiwi_bird
8 years ago
Related Stories
PAINTINGKnotty to Nice: Painted Wood Paneling Lightens a Room's Look
Children ran from the scary dark walls in this spare room, but white paint and new flooring put fears and style travesties to rest
Full StoryLANDSCAPE DESIGNLandscaping Magic Fixes a Dangerous Sloped Yard
It had scary parking, a confusing entry and erosion issues. See how this steep California landscape gained safety, beauty and clarity
Full StoryHouzz Call: What Gives You the Creeps at Home?
Halloween horror got nothing on your basement, attic or closet? Show us that scary spot you steer clear of
Full StoryBATHROOM DESIGNHow to Install a Toilet in an Hour
Putting a new commode in a bathroom or powder room yourself saves plumber fees, and it's less scary than you might expect
Full StoryHOW TO PHOTOGRAPH YOUR HOUSECapture 'Ghosts' for Earthly Purposes in Photos
Despite otherworldly appearances, there's a down-to-earth reason for using shadowy figures in interior images of your home
Full StoryGuest Picks: Ghoulish Goods for a Spooky House
No friendly ghosts here. These creepy Halloween decorations and eerie accessories play on the dark side
Full StoryTINY HOUSESHouzz Tour: A Custom-Made Tiny House for Skiing and Hiking
Ethan Waldman quit his job, left his large house and spent $42,000 to build a 200-square-foot home that costs him $100 a month to live in
Full StoryTREE HOUSESSwaying From Sleepovers to Dinner Parties in a Colorado Tree House
Folks of all ages have it made in the shade in this fun little house, thanks to electricity, a kitchenette and a rooftop deck
Full StoryTREE HOUSESAmazing Tree Houses From All Over the World
Not your average backyard DIYs, many high-design homes in the trees alight in a photo-filled new book
Full StoryLIFEThe Polite House: How to Deal With Noisy Neighbors
Before you fly off the handle, stop and think about the situation, and follow these steps to live in harmony
Full Story
My3dogs ME zone 5A