smoothlonghorn

I lol'd (that is a heckuva store name pull). And username and whatnot.

Reps to you Professor Chesney—worth our attention and summary thoughts put together better than I ever could.

That is a grown-ass (young) man representing the best University in the state of Texas. That’s an exclamation point on that m’f***ing win!

Eminem approves this message….

Hardly-ever poster: give that man alll the reps!!!!!

Clearly you weren't thinking outside the box enough, Gil: "What makes this home unique is the zoning that allows for a spa, a group home, a retirement home, drug rehab....". Man, real estate listings in California are wild. I popped in this morning to see Wulaw's reaction to the jobs report--I would have paid good money to be there when he first heard the news and exclaimed something along the lines of, "M*********er! I tried telling those Surly slapdicks it was all bulls**t!"....

Cooking stuff I suck at: everything sidis is apparently proficient at (much pos rep for taking the time for so many suggestions/help!) After several thousand, however, I can whip up a few batches of jell-o shots fairly efficiently....

That was pretty f***ing cool to see--no matter what country it was for!

Did Helobius hijack Bevo's account?

Semi-P.S./should have said earlier, Lyles team has got to be trademarking, "America....I told you...I...GOT...THIS!" right about....now.

That s**t was nuts, yo!

Man, B, I am truly sad things have come to this. You are a such a great, passionate fan of the University of Texas--absolutely nothing should detract from that. But we can't control everyone's reactions to us/our interactions = if those reactions are causing negative consequences for YOU, you have got to figure out a different response and/or remove yourself from the situation. There are times in life where the answer won't be "we need to fix that person". This isn't the forum to get too deep into it, but that comes very personal experiences related to what you describe. Hopefully this doesn't come across as overly harsh/negative as I have thought (many times) about whether to jump into these threads based on our personal interactions. For that haven't experienced, Derka is one of the most genuine/passionate/positive individuals--that can definitely get lost based on internet posts. It seems likes immamac feels the need to do this for the site/a personally-owned business, and (IMHO) that should be ok--I think you should continue to talk Texas sports year round and would gladly pay for your $9.95 sub anywhere (side note/full disclosure: you can also find me not posting much on OBs and I post that knowing the ridicule sure to come). Also, I promise you, I still have songs due to you on my playlist: M.I's Understand, These Ideas, All at Once and your Ridin in Lines and MIXTAPE!.... "Jumpin' right in it ain't no need to state my name....."

Had what (I gathered) was a stress-induced bout 15+ years ago = no fun. Hope it's not too bad a weekend, dcbc!

Before people start pointing and laughing and since it is now out there publicly, loanDepot is currently experiencing a "cyber incident". Fun times/fml....

Condolences and congratulations, Gil. Hope all works out with all the properties and (reading the other thread) it makes things easier to help out the family (if needed).

Speaking of fascinating, I opened this thread at the top of this page (4) to get "up to speed" (was on vacation during OU game last year) and couldn't figure out what in the world was going on... After reading page 3, that was a 2000/2003 post-OU LFZ-style apoplectic reaction (albeit for positive reasons). Bravo and kudos...

Came in Wednesday for the Chelsea-Dortmund game, Wildberry and nice steak dinner last night, and Cubs game today. D'oh/I'm an idiot realization with traffic being a nightmare due to Lollapalooza. Might need some recommendations for tomorrow night if old friends flake out and/or I can't find ChiTownDoc for hookers & blow (wife in tow, so slightly kidding). Many thanks to all who contributed earlier this summer and others with tips/recommendations! P.S. Highs in the upper 80s have been glorious....

Congrats Storm--that is a beautiful ride! RE: tonneau cover--most truck owners have experience/preferences and our truck isn't a daily driver, but did a bunch of research before buying a Retrax for an older (2012) F150 and it's definitely worked well in limited use.

Despite the lack of posts, have been around for a while and much respect Hate. If I could find the effort to photoshop a Jello shot into Leo's hand, well, that would be for you.... Edit: Can you not "preview" posts anymore? And why is the picture so big?....

RIP MAC...may your family & friends find comfort in the time they had with you...and those battling demons find the strength to overcome. Hook 'Em 🤘

It's been a while and since I know we're all at our computers based on how great of a day it's been, I've got another... Has your experience/lenders allowed you to count the cost of Title Policy outside of the IPC rule (i.e., 3% + Owner's Title Policy on an O/O 5% down or 2% + OTP on an investment)? If so, what is that dollar amount you would anticipate utilizing? My current lender is utilizing the "Closing Disclosure Formulated Cost of Owners" which is about 25% of the total policy. I feel like I'm taking crazy pills...

That's the thing--we can only (really) submit it 1 place (I guess if it was a jumbo we might have a couple of options). We were getting a Refer/Caution and Eligible/Caution, but we need an Approve/Eligible or Eligible/Accept for submission. Borrower has already reached out to his Credit Union to see if they could help, but if not, it sounds like it might be worth at least trying a Broker?

Yeah, we tried a few different ways/options to get to 40-45%, but mostly with paying off/excluding debts, which I think the AUSs also don't like. I think it is the Commission/ "variable" income, which I have had issues with before. RE: non-QM--that is actually why I posted it here = we don't really have access, so I was hoping something in one of those programs would jump out to someone on here (trying to help the Buyer out).

Anybody else finding it much more difficult to get AUS approvals for Commissioned employees? That is pretty much our only option (A/E), so if anyone has any thoughts for >700 score, trying to get 5% down, $650,000 purchase price, greatly appreciated. Borrower is grossing around ~$20K/month, but with a couple of large auto payments is at ~46% DTI (we did everything feasible to get to ~ 42% and still couldn't get A/E).

Going to pretend like I don't notice...well, other than people sure to blow us up about "float downs"....