LCHorn

I think all of that sounds prudent. Unless the loan is a Fannie Mae Homestyle loan (sounds like your budget is too high for that) pretty much any bank is found to require 20% down before doing any type of remodeling money additional to the purchase.

So the Kingcast guys just had Matt Fraction on to discuss Wolves of the Calla and they pointed out something I hadn’t really considered-his writing differs a great deal pre-and post accident. It sounds like you prefer the latter.

This isn’t very charitable of me, but in Austin the commercial property bros have been living large compared to those of us in residential banking that have to actually earn our money. I’m taking at least a little satisfaction they are getting to feel a small measure of our pain finally.

I think they are smartly picking their battles rather than making it rain like a euphoric Aggie. Trill isn’t getting Alfred Collins money.

Almost all of the physician loan programs not originated by depository banks have gone away and those that remain have been crippled (in other words, there’s a lot less competition or diversity of options for physicians than two years ago). The only real question you should be asking is if a physician loan is necessary-if you have the ability to qualify otherwise you can likely get the cost of financing below those terms. If you need the 100% financing then it’s probably your only option.

That not entirely it; Fincher is expensive and Netflix already let him make his baby so they don’t have that as a carrot to entice him into accepting a lower fee. I also think Netflix has learned what the networks already knew-they can produce hundreds of hours reality television for a fraction of the cost of scripted programming and viewers will tune in because it’s new or unseen.

That’s fine, I was just suggesting a methodology-if the city under consideration is in the Midwest then look at some peer cities. My point was that this is the due diligence you need to make rather than rely on what appears to be fairly greased rails to use this particular agent in a city for which he has experience. He might not know (or care to know), that there’s 15% more rent available for the same property in a similar city three states away. Or it might be a great opportunity for you-either way, prove it with math. Let’s not exaggerate the expertise it takes to show a house-it’s frequently a junior agent doing it in place of the listing agent just for the opportunity to meet potentially agent-less buyers. On the tenant side it’s mostly a network builder and/or usually green agents or the wildly unsuccessful. What you’re really paying for is just to list on MLS. We’ve done it both ways and had a lot more success finding good tenants on Zillow, anyway, and it’s SO much cheaper.

Personally, I’d only be comfortable doing this if I was comparing options in multiple cities. Getting into the property investment market and selecting a city purely on the basis that the cost to entry is modest isn’t prudent. I’m a mortgage lender and have financed lots of investors in Austin and we’d oftentimes talk about comparing Austin versus San Antonio, Houston, Dallas, etc. I think any of those have merit depending on your risk tolerance and what kind of money you have available. That said, you’re looking for data that helps quantify the markets-a title company or realtor in each could pull sales data for you and you could make projections based on historical appreciation (ignore 2020-2023, too exceptional). Texas cities, even with our ridiculous state government, have a strong record of appreciation and population growth and I’d want to use that as a baseline in comparison to whatever market you might be considering.

At Sour Duck, I don’t see anyone with two cheeseburgers and wearing a 2002 Hornfans tailgate Cotton Bowl T-shirt so @HenryJames must be absent.

Reed Malphurs and Tannahill Love would make for great character names in a romance novel about a forbidden locker room love between two football players (one would be from the wrong side of the tracks, the other from money but embarrassed by it).

This entire thread is fucking terrible but this one is on point-he’s a functional background character but a nothing as a lead. It’s hard to be outshone by charisma vaccuum Joel Kinnaman, but an under-appreciated Will Yun Lee and rockstar Renee Goldsberry really make it hard not to notice.

Or he’s like Tosh Lupoi with questionable coaching acumen but scruples malleable to whatever his head coach demands. I’m not particularly concerned about a LB coach but let’s admit this could easily be criticized as a comfort hire if it was made coming off 5-7.

No way, that’s their model-copy Texaags. Presumably finding the fans willing to shell out $10 a month AND wanting to experience life as a rollercoaster is a more durable subscription model than touting accurate, well-sourced reporting.

Would you place the same credibility on the fan judgement of the UT Reddit board? Seems like a great place to find rampant idiocy.

Nahlin was pretty adamant this morning that he will declare. Source off!

Playing devil‘s advocate, all the way back to the hornfans days we all complained that Akina couldn’t coach zone to save his life. Plus, at the end he was pretty much on his own program instead of trying to mesh the backs with what the front seven was doing. Which, of course, sounds a lot like our current complaints.

That rumor sounded far-fetched to me, anyway. You’d have to have enormous balls to trade away Framber AND Peña and I’ve seen nothing from Brown that suggests he’s a risk-taker (or, maybe a less critical reading would be that I’ve seen nothing to suggest he’s empowered to take risks).

Also, great soundtrack. Chris Evans’ performance is one of MY favorite performances in film history (I’m not holding it up there as a marvelous display of “ACTING!”, but he’s wonderful and it was unlike anything I’d seen from him previously). The other thing is that fucking cast, man, it’s just an all-star team of some of the best scene stealers from around the world. I would have loved to watch Boyle and his casting director just mixing and matching those parts during the auditions with the casted actors.

I don’t know what a DB recruiting witch looks like (I would have said Corey Raymond but then Florida happened) but it appears Joseph has gotten commitments from our top CB picks. Is there some blue chip he missed out on that would indicate weakness there?

I always thought he was a complementary offer to entice Bryce Anderson, anyway, and if he was a good program guy he’d be useful depth. Otherwise he’s kind of a UTSA level athlete.

The money is going to be there for Davis; if he’s gone it’s for a promotion or a change of scenery. That said, I’d probably kick the tires on someone like Chris Rumph rather than Franklin Okam or Rod Wright who have done okay but haven’t apprenticed under a defensive mastermind/sociopath like Saban (I don’t think Rhule counts even if he started his coaching career on defense).

This-two nights, three max if you’re going to get out of the quarter. I infrequently make the mistake of staying an extra day just because a great reservation becomes available and it never ends up worth it. I’m always pretty sick of eating and drinking by then and there’s only so much antebellum house porn I can stand. I’d make the same claim about Charleston but that would need to go on the recruiting thread…

No way a team competing for a championship with a 4th year Heisman candidate QB is going to run out a WR grouping that is Golden and four dudes that are green sophomores or true freshman. They are going to add someone and/or go portal shopping.

As much fun as it is grabbing a prospect that Aggie really likes, Tennessee already has Staes on their roster and that presumption would make a switch all the more satisfying. Also, their color of orange sucks.

That was my first impression-that this kid would actually satisfy the academic progress requirements is either a testament to his perseverance or an indictment on the academic rigor of A&M and LSU.