Posts Tagged ‘York Street’

I’d Like to Buy a House

June 13, 2022

I would say, with some glee, as I forked over a spate of pastel colored pieces of Monopoly money. I liked to slowly developed my prime real estate, keeping a few dollars back in case I landed on someone else’s quick built up into hotels.

I preferred the green properties on the Monopoly board.

Not quite the same high end prices as Boardwalk, but nice places, chi chi.

“You’re just like San Francisco,” I was told once in passing, “you used to be hipster and now you’re bougie.”

Ahem.

I was both annoyed and flattered.

It’s kind of true.

I can’t tell you when the last time I went out for a ride on my flip flop one speed Mission Bicycle, although I could if I looked at my social a bit, I do tend to document when I go for rides now.

I call them “bike’ies” instead of “selfies”.

Just my bike leaned up against some cool street art.

I have a lot of those from when I lived in Paris in 2012 and 2013.

These days, not as many.

I tend to walk everywhere.

Yes, I do have a car, but, um, when you score a good spot in your hood and don’t have to move it for street parking until Friday, you, I mean, I, walk everywhere.

I did take the car out today, early this afternoon.

I went to an open house.

I guess this is when the bougie piece comes in.

Sort of.

I do actually want to buy a house.

I always have, but I never really thought that it would be possible.

Until recently.

I had a talk a few years back with a woman I know who is a realtor and helped a mutual friend buy a house.

I knew how much said mutual friend was making and thought, huh, I wonder, when I get into my private practice, I might be able to swing that.

So I had coffee with the realtor and told her my deal and that I was years out, but intrigued.

She told me to get a credit card.

Which I did not want to do, but build up your credit was the advice I was given.

Before I got sober I burned my credit to the ground and it was bad news bears getting out of that financial hole.

But I did.

And I swore, no more credit cards, ever.

NO.

But, the realtor was convincing, and I knew a few folks who used their cards wisely, paid them off immediately, and built credit whilst also getting airline miles.

Huh.

I could do that.

And, do that I did.

In fact, that’s how I flew to Hawaii in February.

Airline miles on a credit card.

I actually flew first class, I had a lot of miles accrued.

It was so worth it and my credit score has gone up significantly.

I don’t keep a balance, ever on my cards, yeah, cards, I now have two.

One is Alaska Airlines for flying to Hawaii and the other is Air France, for flying to Paris.

I’ll be able to fly free the next time I go to Paris, well, not the trip I have booked December, I already bought that, but the next time.

You know there will always be a next time I fly to Paris.

Anyway.

I have great credit.

My car is payed off, I have no credit card debt, and though, yes, I do have a ton of student loan debt, I have started paying it down.

So.

Yeah.

757 is my score and that’s considered “good” to “excellent.”

Rewind a few weeks back to hearing from a couple of people about their house buying adventures and I thought, huh, you know, I wonder.

I texted that realtor from a few years a go and we had coffee last Friday.

She thinks I can.

We started mapping things out.

I have done some research.

I have looked at a lot of things on Zillow and Bay Area Modern Homes.

A LOT.

My eyes are kind of bugged out from looking.

I’m awaiting a call back from a mortgage broker to discuss my situation and I talked with my accountant this past week.

I don’t make an enormous amount of money, but my business is doing well and as my accountant noted, my income is very stable.

I don’t personally make what my business makes, basically I take home about half of what I make.

But that’s enough.

And it’s also not a lot, by San Francisco standards, and as it turns out I make under the cut off for the Below Housing Market in the city.

I’m not interested in a ton of those homes, but I am interested in some of the first time buyer loan programs the city has.

So next Saturday I’m going to sit through a two hour Zoom workshop and take the next steps to move forward to do the work and paperwork for the city to help with a loan.

I’m excited.

Today I went to my first open house!

It was perfect.

And not quite.

The view made me super happy, but it didn’t have much closet space and it had some dingy ass carpet in the bedroom, not my style, carpet.

But oh, the view.

Stunning.

And lots and lots of light.

Which is what I really want.

Give me light!

I’m looking at industrial lofts in the city.

I like how they look.

I always have.

Polished cement floors, exposed beams, concrete, big warehouse windows.

Something Southern and/or Western facing, a corner unit please.

Which is what this loft was.

The view of Twin Peaks was fantastic.

I want to stay on “this side” of Twin Peaks.

I served my time out in the fog and I want to be on the “sunny side” of the city.

The loft was on Bryant Street in the Mission.

18th and Bryant.

A neighborhood I know very well.

I lived just a few blocks over when I first moved to San Francisco, at 20th and York.

I would day dream about a loft conversion that was happening down the block, not the one I saw today, but actually quite close, and imagine one day living there.

I told the realtor I’m working with, maybe it’s crazy.

But.

I’d love to move on Labor Day weekend.

It will mark my 20 year anniversary of moving from Madison, Wisconsin, to the Mission District in San Francisco.

When I had a two month sublet, no job lined up, about 2k in savings, and a used two door Honda Accord (that I donated two weeks later after accruing six parking tickets) with my life packed into it.

How smashingly cool would it be to land myself in a loft, in the Mission, 20 years later?

Pretty fucking cool.

I can’t know what’s going to happen.

I’m not sitting on a big nest egg–I spent that on my surgeries last year, thinking I was giving up on the idea of buying a house.

But, I do feel like it’s possible.

Anything’s possible.

Right?

I got a PhD, my own psycho-therapy business, a car, I mean.

Fuck.

I have come a long, long, long way from juggling three to four to five jobs, and riding all over the city on my one speed to get from one gig to the next.

Hey, Mister Banker Man, I want to buy a house.

This girl’s got a dream.

Let’s make it happen!

Seriously.

Trolling Craigslist

July 31, 2018

It has begun in earnest.

Me looking for a new place to live, that is.

I dropped off the signed paperwork to the law office today that my landlady is employing to navigate the buyout.

I have officially been bought out.

I turned over the paperwork and in return I got 1/2 of the payment we agreed upon.

I will receive the other half when I turn in my keys.

I will have until October 31st to find a new place to live.

I actually looked at a place last night, but it wasn’t a good fit.

It was also a room-mate situation and although the price was great and on paper it really looked good, I realized that I was going to have to be really conscientious about what I am able to accept or not accept in a room mate.

I mean.

I have lived alone for the last five years.

I am really used to going to the bathroom naked.

For starters.

And two.

I am clean.

I am not a neat freak or obsessive, in fact, I could stand to sweep the floor a little more often, but I am tidy, my place is nice and I keep my things well.

I make my bed every morning, I wash my dishes after every meal, I like things a certain way.

I realized well I was looking at the place that while I liked the master tenant I noticed that the standards were different and for me to be comfortable I would end up cleaning a lot more and also that I suspected I would spend a lot of time in my room.

So.

I passed.

In the past that would have freaked me out a little bit.

A perfectly decent place, less rent than I pay now, good size room, laundry on site, parking.

On paper, it looks fabulous.

Not so much in person.

And I don’t want to denigrate the place I saw, it just wasn’t a good fit.

I do suspect I will end up with being on my own wherever I move to next.

I’m just so used to it and well, I have a PhD program starting soon, I am going to want and need quiet.

So I have been searching craigslist.

I don’t have to be super on top of it right yet, I do have time.

Part of the buy out was to get myself a little more time to move out, originally I was asked to move out by September 1st, which would have been over the five-day intensive in Pacifica that I have to attend to start my PhD.

Now I have until October 31st.

Which is nice and thus not too much pressure to begin the hunt, but it is there.

I know that there will be a time when I see the place and I am going to want to make a big move on it.

Grateful that I have the first half of the buyout payment to put down a deposit and first months.

And I decided to leave it in my checking account rather than put all the money in my savings.

If I need to I will be able to plop the money down immediately if something comes up.

I am also hoping, really so much so, that I will find my new place by word of mouth or referral from a friend, from my network, which is usually how I have found places.

I haven’t had a ton of luck with craigslist in the past, although I have found a couple of places.

My first being the two month sublet I had in the Mission at 22nd and York when I first moved to San Francisco nearly 16 years ago.

$650 a month for a big room in a big four bedroom house with a back yard and laundry and three levels and a big kitchen and lots of bathrooms.

Even then, I remember being told I was getting a great price for a room.

Rents in SF have never really been low, not after I lived in Madison, Wisconsin (though truth be told rents in Madison are always higher than elsewhere because of the high student population attending the UW), god I remember this one house I lived in, a house, the bottom of it at least, and how much space there was.

Oh.

God.

So much space.

Big bedroom with a walk in closet that had a window.

The closet had a window, in SF that closet would have been someone’s bedroom.

The bedroom had six windows.

Six!

I don’t have one where I live now.

Then the dining room with three big windows, the living room with a huge bay window and a screened in front porch that I alternatively rented or let friends crash on after I had broken up with my boyfriend, I needed help covering rent.

And the kitchen, which was huge, the bathroom was good-sized and yes, had a window.

There was a full basement I didn’t ever really use, except to wash laundry.

A back yard.

And a garage.

A fucking garage.

I paid $750 for this palace and that included utilities.

And I thought that was expensive.

I can’t find a studio in-law in the city right now for under $1600.

And the ones that are that price are shady, nasty, basement dwelling things.

I know that I need light and air and space after living in my little studio for the last five years.

I want a bathtub.

My god it would be nice to have a bathtub again.

I want laundry on site, wood floors, high ceilings, light, lots and lots and lots of light, windows, and yes, I know I’m crazy, a place to park.

I don’t necessarily need a garage or a driveway, I just need to live somewhere that it is relatively safe to park my car and I can park it close to where I live.

Which means.

The Tenderloin is out and that is where most of the “affordable” studios are, $1700-$2000 a month, and I am not, repeat, am not, living in the Tenderloin.

My car would get broke into every other day.

I would be dealing with rampant drug use and homelessness and crazy.

I like being out in the Outer Sunset at this point because it is quiet and though there are homeless folk, there’s not rampant drug use.

I need serenity where I live.

So yeah, not Tenderloin for me.

And before you ask.

No East Bay either or Pacifica or Sausalito.

I need to stay in the city proper.

My schedule is just too tight to navigate anything further out.

So.

The search has begun.

If you hear of anything.

Let me know.

Seriously.


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