so because of things in this thread we are moving out of our house soon. it's not as soon as i was worried about in the house thread, the board gave us the deadline of march 15th to be out but amended that by saying if we haven't found anything by then they weren't going to put us on the streets outright. there's a house for sale really near us for $86,000 and it has all the space we need and a yard for the dog. we have no hope of coming up with that even with a slightly extended deadline, and neither my mom or i can get a loan that large because we have horrible credit. basically the only option we have for finding a house is finding one being sold by someone who'd be willing to finance it personally while we pay it off over however many years is decided since credit usually doesn't matter in that situation, and we haven't found anyone willing to do that except one guy we're on a waiting list for who's house won't be done anywhere near march. plus we're not what he's looking for in the first place and the house is very small. we've looked up to 25-30 miles out (edit: NOT MILES, MINUTES, OH MY GOD) in almost all directions by now, which isn't practical because the further out you go in most directions here the more everything becomes farmland. which is nice to dream about, but realistically right now it's a horrible idea. SO. back to this house i found. i was thinking maybe i could do a gofundme for some or all of the money, but a) that's kind of a lot b) i have no idea how gofundme works (which i'll probably just google) c) i don't think i could get enough people interested and finally d) i feel like maybe i'm being selfish and we should try to do one of the things in the house stuff thread, even though it'd be painful and impractical. sooo that's that i guess. TL;DR we have to move but can't really afford to move, should i ask for money to help? also alternative suggestions are welcome.
I am dumb and I have no idea how to buy a house, but if you didn't have the full amount, you still might be able to raise enough for a down payment/could do a rent-to-own? that's how my parents got to own their property despite initial bad credit, but looking at the thread I'm not sure if that would work for you guys?
yeah that's what i meant by needing an owner who'd finance it. i don't really get it either but my mom's been explaining it and it's actually quite interesting. what we're trying to find is an owner who's willing to do "owner will carry" which means the owner is the bank, and you pay money directly to them until the entire price of the house is paid off. it's basically rent to own but a very specific kind of rent to own and the money goes to a specific person instead of a bank or company, so good or bad credit doesn't really apply. or something. i might be explaining wrong. we just have to find someone willing to do take that chance and besides mr." i'm afraid of your dog and i have a lot of better looking families on the same waiting list as you plus who even knows when i'll be done building this house" there's not anyone out here who is. rent to own is usually cheaper than outright renting and because most of the properties out here are owned in huge amounts by 2-3 different people (e.g.) there's one guy who owns and rents out most of the mobile homes, and another who owns and rents out 4 or 5 blocks worth of houses in the neighborhood (which actually might be two people but idk) and everything else is listed as for sale with no renting options (trust me we've called). the people who rent their buildings out have already said they wouldn't rent to us because poor credit. honestly even if we had extra every month i still don't think we could get approved for any houses around here. and i mentioned the apartment thing again to my mom and she said from what she's seen we wouldn't be able to afford two one bedroom apartments even with the sliding scale for income because the initial cost is too much. i don't know. all i know is i really don't want to go cram into a teeny two bedroom with my 4 other adult sized family members with no dog (she'd probably have to go to a shelter cause no one else can take her), and we have something like two mattresses to figure out how to bed for everyone, and i really feel like i'm being a whiny little loser because hey at least they'll wait until we're above living out of a car to kick us out. i'm stressing probably a lot more than i should and that stress is just making things seem worse than they are but. it's not looking good.
well, it's approaching the deadline and they took back everything they said. we've only been able to scrape together 300 bucks towards any type of down payment on anything, and the house guy never called back. we've looked even farther out, no luck. if we don't find something miraculous in four days (even shoving everyone into a one bed apartment at this point) i don't know what we're gonna do. i'm kinda scared.
