Showing posts with label house. Show all posts
Showing posts with label house. Show all posts

Monday, July 25, 2011

Planning for a Lawn-Free Future

We expect to get the keys to our new house sometime this week and will immediately begin doing a lot of work to it.

With the money from our 203k loan we're getting a new roof, new exterior paint, a new water heater, a new electrical panel, and a new sewer line. This will all be done by contractors.

There's also a lot that we plan to do ourselves, and near the top of the list is replacing the front lawn with native plants.

Neither of us has a great deal of gardening experience or expertise. Having never owned our own home, we have, for the entirety of our adult lives, always been at the vegetative mercy of our landlords. One thing we've learned is that we both dislike lawns. Not only do we dislike the hassle and cost of lawn maintenance, but we also don't think they're very interesting to look at, and then you have the negative environmental impact.

It's hard not to notice all the interesting things homeowners and businesses around town do with their outdoor spaces, and since we moved here 7 years ago we've suffered from garden envy.

I started noticing eco roofs shortly after we arrived and then started seeing other eco-conscious gardens around. I remember reading an informational sign posted at a bioswale on SE Division about five years ago, I think the first one I ever encountered (of course now they're ubiquitous on the inner east side of Portland).

I've never done much research on the topic, but by virtue of living in this community, I have gleaned enough information over the years to know that native plants require less work and provide a better natural habitat for wildlife than a lawn or a garden of exotic species. On top of that they can be quite beautiful (and suit my taste much better than a manicured yard).

Wanting to get some ideas, Robert and I road our bikes over to Portland Nursery to poke around. We saw a lot of things we liked, but realized we have no real concept of how to get started, so today we got some books from the library.

I just started reading How to Get Your Lawn Off Grass by Carole Rubin, former director of the West Coast Environmental Law Association and former chairperson of the BC Coalition for Alternatives to Pesticides and Canadian Environmental Network's Alternatives to Pesticides Caucus. Robert is rotating among a few other books about native plants and garden planning.

We hope to eventually get rid of the lawn in the back, too, but that's a lower priority at the moment. I do want to start on a vegetable garden right away, though.

It's going to be a lot of work, but I'm really looking forward to putting time and effort into something that we'll actually be able to appreciate for a long time.

Monday, June 6, 2011

The House Buying Saga Continues

Well, the house we were trying to buy didn't work out.

We had it inspected and learned that it needs serious foundation work, as well as a lot of electrical work and some plumbing. We had hoped to fix it up with a 203k loan, but that won't cover foundation work, and with all the problems the house has, we wouldn't have anything left for cosmetic work or appliances. On top of that, Citibank, which owns the house (a foreclosure) was fighting us every step of the way (asking for much more than the standard amount of earnest money, not giving us much time for inspections, etc.). We think they were hoping to sell to an investor who would pay cash and not have to deal with all the complications of people who need a loan and actually care about the place being livable in the long term. After a few weeks of alternating between stress and excitement we finally decided it was best to walk away.

We were really disappointed when we began to realize that fixing up this cute 1904 house on a corner lot was a pipe dream, but just as we were coming to a decision we found another house in the neighborhood for sale in our price range. It's a bit more expensive and on a less desirable lot, but it's in a better location (closer in and in easier walking distance of a lot of businesses). We made an offer the day we viewed it and it's been accepted! We're having it inspected this evening.

We know it will need some work, but nothing like what the last one needed. We'll probably use the 203k loan to get some new floors and windows and perhaps some more efficient appliances. Then we'll do some other work ourselves (interior painting, for example), but with the exception of a hole in the basement wall, which the owner has agreed to repair before closing, we expect it to be pretty much up to code.

In the long term we'd like to do more to it (maybe put an addition where the back deck is, so we can have a bigger kitchen and have basement access from inside the house; maybe eventually finish the attic), but with just some minor work it will be a very livable space for us.

We're hoping to close before the end of July and be moved in by the beginning of August.

I can't wait to start putting work into a place where I'll actually get to stay and enjoy the fruits of my labor. I'm very excited about finally getting to have a garden that we plan from start to finish. We plan on doing away with all or most of the lawn (such a waist of energy). We're hoping to attend the FoPo Garden Tour in a couple of weeks, which I'm sure will help us to get some ideas about where to start.

In the mean time, we're focusing our energy on living as cheaply as possible while we scrape together our down payment, and getting our belongings pared down and organized.









Sunday, June 5, 2011

Progress on the Home-buying Front

Well, the house we were trying to buy didn't work out.

We had it inspected and learned that it needs serious foundation work, as well as a lot of electrical work and some plumbing. We had hoped to fix it up with a 203k loan, but that won't cover foundation work, and with all the problems the house has, we wouldn't have anything left for cosmetic work or appliances. On top of that, Citibank, which owns the house (a foreclosure) was fighting us every step of the way (asking for much more than the standard amount of earnest money, not giving us much time for inspections, etc.). After a few weeks of alternating between stress and excitement we finally decided it was best to walk away.

We were really disappointed when we began to realize that fixing up this cute 1904 house on a corner lot was a pipe dream, but just as we were coming to a decision we found another house in the neighborhood for sale in our price range. It's a bit more expensive and on a less desirable lot, but it's in a better location (closer in and in easier walking distance of a lot of businesses). We made an offer the day we viewed it and it's been accepted!

We had it inspected last weekend and it will need some work, but nothing like what the last one needed. The 203k loan will cover new windows, roof repairs, exterior paint, and some electrical work. Our biggest worry is that the root of a tree made a hole in one of the walls of the basement. The owner agreed to repair it before closing, but it's looking like the repairs may cost more than the estimate he had gotten, which may mean we'll have to renegotiate. We should be hearing back about the cost sometime today. Some other people have made offers on the house, so we're nervous about the outcome.

If we do get the house we'd like to do more to it in the long term (floors, maybe put an extension where the back deck is, so we can have a bigger kitchen and have basement access from inside the house; maybe eventually finish the attic), but with just some minor work it could be a very livable space for us.

The other piece of the puzzle is coming up with some more money for the down payment. We've spent hundreds of dollars on inspections in the past month, so we're a little shorter than we expected to be at this stage. We've been very good about not eating out or buying anything unnecessary, but it's still been tough to save. Fortunately summer is the busy season for both of our jobs, so we should be able to manage.

We're hoping to close before the end of July and be moved in by the beginning of August.

We've both decided that we really like the neighborhood and will continue looking around there if this house doesn't work out.

My aunt and uncle who've been giving us lots of advice and moral support bought us brunch at Bar Carlo a couple of times. While we were there we ran into a friend of my cousin's who lives nearby and is about to open a new bar on Foster, as well. We've also gotten a good vibe from the neighbors we've met.

My commute to work will still be an easy bus ride (just slightly longer than the ride from our home in Kerns). It will be a big change for Robert, though. We currently live just a mile from where he works, so he can easily walk or ride his bike when the weather's nice on days when he doesn't have to get across town for evening classes. From Fo-Po it's about 4 miles, which he'll have to travel at rush hour. The fastest bus ride is 45 minutes. I don't see him getting up early enough to do that on a regular basis. I think we'll both need to get better bikes if we're going to ride longer distances to work, and that won't be in the budget any time soon.

Monday, May 9, 2011

Could Foster-Powell Be Our New Home?

A couple of weeks ago we made an offer on a house in Montavilla, but the listing agent seems to be pretty disorganized and hasn't been able to tell us if anyone's even looked at it yet. We know that there were a couple of offers ahead of ours, so we're more-or-less giving up on that one.

Over the weekend we viewed a house we liked in Foster-Powell and have decided to make an offer on it.

We had not given much thought to moving to that neighborhood, but a few houses in our price range had popped up in our searches and we decided we should at least check some out. I wrote down a couple of addresses and debated whether or not to include a third that was further southeast. I decided we might as well give it a chance, because it was bigger than most things in our price range, and it turned out to have a lot of potential. It's definitely a fixer, but much cheaper than many of the places we've looked at and on a very nice lot. It will definitely need new floors and windows, and we will want to do some major renovations in the finished attic and turn the unfinished basement into a usable space. It would be a lot of work, but we're excited about the prospect of getting to shape it into the kind of home we want. I was relieved to discover that I can still get downtown on just one bus, too!

Last night I was reading about the neighborhood online and learned that the Foster-Powell Neighborhood Association had its May meeting today, so I decided it was the perfect opportunity for me to go learn more about the area and meet some community members and find out if it was a place I could really imagine living in comfortably.

While there are a lot of charming houses and some nice parks in the area, I couldn't help wondering whether the area still sometimes referred to as "felony flats" had transformed into a vibrant community, and if it had, whether it was a place where a young childless couple would fit in or if we would feel isolated and find the neighborhood boring.

Upon arriving at Sweetness Bakery I was pleasantly surprised to see how many people had turned out to attend the meeting (I'd say around 25). Everyone was friendly and welcoming and I was relieved to see a wide age range, including a few people who I'm pretty sure were younger than myself.

It quickly became apparent that while the neighborhood is certainly not as hip as Kerns (where we currently rent a house) and lacks some things that we desire in a neighborhood, that the residents are actively working towards making Foster-Powell a more lively, walkable, safe, and attractive part of town.

Like the house we hope to soon call our home, Foster-Powell needs some work, but is full of potential. I am pleased to know that the first and perhaps most difficult step, establishing a group of people committed to working towards a common goal, has already been achieved.