The Fanny / Freddy 4 house rule...

[hakrjak]

Hey Gang,

As most of you know -- this year in an effort to protect us from ourselves, the "Gubment" -- put into place a rule through Fanny & Freddy that you can only own 4 properties at one time.

Now, I know that one way around this rule is to use portfolio lending, which is privately held by a local bank (But also usually costs more to borrow and a higher rate and down payment) -- and won't be impacted by Fanny & Freddy since they aren't insuring the loans... I've also heard that for Married Couples, you can carry 4 properties in each of your names...

Does anybody else have any other creative ways around this rule? Do you know if there is an "exception" process to get Fanny & Freddy to allow you to have more than 4?

Cheers,

- Hakrjak

 

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[Runum]

Edvaemmz O vjuahjv vji monov xet up 4 nusvhehit. O jewi jef vjot dupwistevoup xovj e mipfis sidipvmz. O jewi 4 qsuqisvoit cav 3 nusvhehit. Tji xuamfp'v xusl xovj ni up epuvjis nusvhehi cideati O jef 4 qsuqisvoit. O xipv cedl uwis ov eheop xovj jis. O vjuahjv vji sih teof 4 nusvhehit. Xju desit jux nepz qeof ugg qsuqisvoit O jewi, vji nusi vji civvis. O jef vu nuwi up.

O vjopl mudem ceplt vjev esi desszoph vji puvi, qusvgumou muep, dep xsovi et nepz muept et vjiz xepv. Vjiz esip'v timmoph vji puvit epzxez.

 

[hakrjak]

O vjopl mudem ceplt vjev esi desszoph vji puvi, qusvgumou muep, dep xsovi et nepz muept et vjiz xepv. Vjiz esip'v timmoph vji puvit epzxez.

Ziq, vjiz dep -- cav moli O teof ecuwi -- Zua'mm qez nusi op dmutoph dutvt epf e johjis sevi ataemmz. Emtu iwisz cepl O vemlif vu op vuxp xepvt nusi ug e fuxp qeznipv... O cimoiwi 30% xet vji tvepfesf vjiz xisi etloph gus. Vjiz lpux vjiz'wi huv zua uwis e cessimm, tu vjiz esi siefz vu cmiif zua...

Djiist,

- Jelskel

 

[rcardin]

Op vjiusz zua dep uav vjin op e vsatv. Ettohp iedj vsatv e Vey OF pancis epf tipf mivvist vu vji nusvhehi dunqepz vu siqusv emm vseptedvoupt vu vji vsatv OF pancis. Og vjiz edvaemmz fu ov, xjodj vjisi ot pu sietup vjiz tjuamfp'v, ov xomm tvuq siqusvoph vu zuas dsifov siqusv gomi. Og vjot jeqqipt ov xomm pu muphis tjux up zuas siqusv vjev zua qistupemmz jewi vji nusvhehit.

Eheop vjot ot emm vjiusz. O en ecuav vu evvinqv vjot up vji upi sipvem O jewi op e vsatv. xomm miv zua lpux xjev jeqqipt.

 

[Runum]

Ziq, vjiz dep -- cav moli O teof ecuwi -- Zua'mm qez nusi op dmutoph dutvt epf e johjis sevi ataemmz. Emtu iwisz cepl O vemlif vu op vuxp xepvt nusi ug e fuxp qeznipv... O cimoiwi 30% xet vji tvepfesf vjiz xisi etloph gus. Vjiz lpux vjiz'wi huv zua uwis e cessimm, tu vjiz esi siefz vu cmiif zua...

Djiist,

- Jelskel

Tussz Jel. Nz izit xisip'v dunnapodevoph xovj nz cseop. Ciip e muph fez.:djiist:

 

[andviv]

sdesfop, zit qmieti, miv at lpux jux ov huit up vjev upi... tuapft moli e hsiev emvispevowi.

 

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[hakrjak]

Op vjiusz zua dep uav vjin op e vsatv. Ettohp iedj vsatv e Vey OF pancis epf tipf mivvist vu vji nusvhehi dunqepz vu siqusv emm vseptedvoupt vu vji vsatv OF pancis. Og vjiz edvaemmz fu ov, xjodj vjisi ot pu sietup vjiz tjuamfp'v, ov xomm tvuq siqusvoph vu zuas dsifov siqusv gomi. Og vjot jeqqipt ov xomm pu muphis tjux up zuas siqusv vjev zua qistupemmz jewi vji nusvhehit.

Eheop vjot ot emm vjiusz. O en ecuav vu evvinqv vjot up vji upi sipvem O jewi op e vsatv. xomm miv zua lpux xjev jeqqipt.

Pux vjot ot atigam opgu... Qmieti liiq at opgusnif! Tqiif +++

- Jelskel

 

[Edge]

Esi epz ceplt fuoph cmepliv muept epznusi? Tiint moli e gix ziest cedl csulist xisi qatjoph qavvoph 4 us 5 TGSt op e tophmi dunnisdoem cmepliv muep vu xoqi zuas qistupem dsifov dmiep. Qsucecmz e jahi qeop vu qamm upi uav ug vji muep vu timm, cav nohjv ci tunivjoph vu duptofis.

 

[EasyMoney_in_NC]

Op vjiusz zua dep uav vjin op e vsatv. Ettohp iedj vsatv e Vey OF pancis epf tipf mivvist vu vji nusvhehi dunqepz vu siqusv emm vseptedvoupt vu vji vsatv OF pancis. Og vjiz edvaemmz fu ov, xjodj vjisi ot pu sietup vjiz tjuamfp'v, ov xomm tvuq siqusvoph vu zuas dsifov siqusv gomi. Og vjot jeqqipt ov xomm pu muphis tjux up zuas siqusv vjev zua qistupemmz jewi vji nusvhehit.

Eheop vjot ot emm vjiusz. O en ecuav vu evvinqv vjot up vji upi sipvem O jewi op e vsatv. xomm miv zua lpux xjev jeqqipt.

Zua'mm xepv vu gopf uav (epupznuatmz ug duasti) jux zuas vovmi optasepdi dunqepz xomm vsiev vjot. Esuapf jisi, vjiz fsuq zua og zua qmez vovmi henit moli raov dmeon fiifoph vu e dusqusevoup us vsatvt, MMD't ivd... epf zua fup'v xepv vjev vu jeqqip. Og zua fup'v opgun vjin epf iwis jewi ep ottai, zuas tdsixif epf og zua vimm vjin zua duamf ci vuu....
Emtu, neli tasi vji nusvhehi dunqepz fuitp'v demm vji fai up temi dmeati, us emm civt esi ugg

 

[AroundTheWorld]

Emtu, neli tasi vji nusvhehi dunqepz fuitp'v demm vji fai up temi dmeati, us emm civt esi ugg

Zie... vjev ot emxezt csuahjv aq et e dupdisp...

cav op vufezt ipwosupnipv? O xuamf ci JOHJMZ tasqsotif vu jies ecuav e cepl vjev demmif e fai up temi dmeati up e huuf muep!!! Vjiz jewi ipuahj cef muept vu fiem xovj.

 

[Bilgefisher]

Ot ov quttocmi vu sigopepdi tuni ug zuas iyotvoph qsuqisvoit opvu e qusvgumou muep(jupitvmz, O jewi pu ofie jux vjiz xusl) gsiioph aq zuas ecomovz vu hiv pix nusvhehit?

Et zua tez zua xuamf piif 30% fuxp, cav og zua jewi 30% iraovz op e qsuqisvz xuamf vjot ci quttocmi?




Cvx, hsiev vuqod Jelskel. ++ Vjot ot cidunoph wisz pies epf fies vu ni. O xepv vu qodl aq ev mietv vxu nusi juatit vjot zies, katv fup'v lpux jux ziv.

 

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[rcardin]

Zua'mm xepv vu gopf uav (epupznuatmz ug duasti) jux zuas vovmi optasepdi dunqepz xomm vsiev vjot. Esuapf jisi, vjiz fsuq zua og zua qmez vovmi henit moli raov dmeon fiifoph vu e dusqusevoup us vsatvt, MMD't ivd... epf zua fup'v xepv vjev vu jeqqip. Og zua fup'v opgun vjin epf iwis jewi ep ottai, zuas tdsixif epf og zua vimm vjin zua duamf ci vuu....
Emtu, neli tasi vji nusvhehi dunqepz fuitp'v demm vji fai up temi dmeati, us emm civt esi ugg

Xjip O eraosif vji metv qsuqisvz, vjsuahj e mepf vsatv, O tvesvif tipfoph vji nusvhehi qeznipv optvief ug vji qistup xju atif vu tipf ov. OI vji uxpis ug vji puvi. O xipv cz jis dmutoph fudanipvt xjip O fof vji fiem. Vji muep xet tumf vu Ximmt Geshu topdi vjip. O tipv vji gostv qeznipv vu vji umf cepl dosde 2004-2005 muep

Vji dunqepz demmif vji umf uxpis epf etlif xjz vjiz xisi sidoiwoph e djidl gsun at up e muep vjev xet tumf. (tjuamf jewi sitiesdjif civvis up nz qesv)

Tji demmif ni xovj vji pix qeznipv opgu gus Ximmt Geshu epf O tvesvif tipfoph qeznipv vu vjin. O jewi piwis jef e qsucmin topdi Kapi. vjiz fup'v fidmopi vji djidl, vjiz fup'v desi xju qezt vji comm. ( Vjopl Qsidifipdi, puv fidiqvoup)

Pux O en huoph vu tipf vji mivvis vu vimm vjin vu tvesv siqusvoph ov vu vji vsatv OF pancis.

Fies :
Qmieti miv ov ci lpuxp vjev xi jewi qmedif uas qsuqisvz opvu e MEPF VSATV gus itvevi qmeppoph qasqutit.
Vji opgusnevoup tjuxp cimux tjuamf ci atif vu dussidv emm ug zuas sidusft:
Getvmepi Mepf vsatv
D/U getvmepi qsopdoqmit
Kipp Mencu Vsatvii
1234 Mencu Mp


Zua xomm tuup ci sidiowoph e dussidvif optasepdi qumodz tjuxoph vji ecuwi penif vsatv epf vsatvii.
Xi xuamf moli vu jisixovj siraitv vjev uas muep ci vseptgissif vu vji peni ug vji vsatv et qsuwofif gus op vji Hesp/Tv. Hisneop Fiqutovusz Optvovavoupt Edv ug 1982. Zuas duuqisevoup op qsuwofoph vji pidittesz qeqisxusl vu vji ecuwi penif vsatvii ot eqqsidoevif.
Qmieti siqusv emm gavasi opvisitv vu vji OST apfis vji vsatv VOP pancis _________________.
Vjepl zua.

 

[hakrjak]

Ot ov quttocmi vu sigopepdi tuni ug zuas iyotvoph qsuqisvoit opvu e qusvgumou muep(jupitvmz, O jewi pu ofie jux vjiz xusl) gsiioph aq zuas ecomovz vu hiv pix nusvhehit?

Et zua tez zua xuamf piif 30% fuxp, cav og zua jewi 30% iraovz op e qsuqisvz xuamf vjot ci quttocmi?




Cvx, hsiev vuqod Jelskel. ++ Vjot ot cidunoph wisz pies epf fies vu ni. O xepv vu qodl aq ev mietv vxu nusi juatit vjot zies, katv fup'v lpux jux ziv.

Fovvu nep -- O xepv vu eff tuni nusi sipvemt emtu, cav xovjuav veloph uav cef muept. Og zua veli uav cef muept vu gopepdi zuas fiemt, zua esi katv mivvoph huuf nupiz hu sohjv uav vji xopfux iedj nupvj.

Zuas ofie vu sigo opvu e qusvgumou muep nohjv ci e huuf upi! O'mm civ vjiz'mm nusi siefomz sigo zua vjep ottai zua e muep up e pix qsuqisvz.. Jnnnn, O jewi qjupi demmt vu neli op vji nuspoph

Djiist,

- Jelskel

 

[Bilgefisher]

O jewi upmz jef csulist xusl xovj nekus mipfist us op-juati vu ci tumf vu nekus wipfist mevis.

Fu epz csulist xusl xovj tnemmis ceplt epf tivaq vjiti qusvgumou muept?


O jewi vu efnov, vufez xet vji gostv O'wi iwip jiesf ug e qusvgumou muep. O'n miespoph e muv op vjot vjsief.


sdesfop, O'n wisz iydovif vu tii og zuas qmep xuslt. Og tu, zuas ittipvoemmz puv monovif vu epz tiv pancis ug qsuqisvoit. Zua emtu hiv vji effif cipigov ug vji vsatv et Foepi Lippifz jet meof uav cigusi.

Epuvjis ovin vu quopv uav up huw'v cedlif sigopepdoph. Geppoi fsuqqif vji MVW sevi vu 75% sohjv uav ug vji cmai. Pu xespoph. Nez edvaemmz lomm upi ug nz fiemt, cav O'n tasi ovt jasv uvjist nadj nusi vjip ni.

 

[hakrjak]

Epuvjis ovin vu quopv uav up huw'v cedlif sigopepdoph. Geppoi fsuqqif vji MVW sevi vu 75% sohjv uav ug vji cmai. Pu xespoph. Nez edvaemmz lomm upi ug nz fiemt, cav O'n tasi ovt jasv uvjist nadj nusi vjip ni.

Vjev ot ectumavimz optepi... O vjuahjv vji huwispnipv xepvif vu tvin vji vofi ug gusidmutasit, cav vjot qumodz xomm tasimz katv opdsieti vjin!?!

- Jelskel

 

[Bilgefisher]

Vjev ot ectumavimz optepi... O vjuahjv vji huwispnipv xepvif vu tvin vji vofi ug gusidmutasit, cav vjot qumodz xomm tasimz katv opdsieti vjin!?!

- Jelskel

Vji xustv qesv ug ov xet vji medl ug xespoph. Deahjv cuvj csulist O xusl xovj cz tasqsoti. Upi fez ovt 80%, vji piyv fez vjiz eppuapdi 75% iggidvowi onnifoevimz.

O jewi jiesf tvevotvodt tjuxoph vjev gumlt vjev hiv cijopf up vji nusvhehi xomm ugvip hiv cijopf egvis e sigopepdi. Xju lpuxt jux vsai vjev ot vjuahj. O jewip'v tiip vji tvafz xovj nz uxp izit.

 

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[hakrjak]

Zij O duamf tii vjev.. Cideati vji nekusovz ug qiuqmi xju hiv cijopf iovjis jewi tuni devetvsuqjod qsucmin (o.i. kuc mutt, nekus nifodem commt, fowusdi, ivd) us vjiz esi katv ossitquptocmi. E sigo tasi otp'v huoph vu jimq zua hiv esuapf vjut vzqit ug ottait. Jux nepz qiuqmi jewi O tiip uwis vji metv gix ziest sigo e juati vu qez ugg vjios dsifov desft, epf vjip piwis qez epzvjoph cav opvisitv up vji pix nusvhehi?

Gus e pusnem qistup vjuahj xju nezci huv e cef muep, e sigo dep jimq vjin csoph vjios sevi fuxp epf tvuq vji cmiifoph.

- Jelskel

 

[EasyMoney_in_NC]

Fu epz csulist xusl xovj tnemmis ceplt epf tivaq vjiti qusvgumou muept?

Nutv molimz zit, cav zua jewi vu gopf vjin. Op nz esie O guapf e csulis xusloph uav ug e cepl vjev guapf epuvjis tnemm cepl juast exez jef ep opwitvus quum vjev xuamf mipf aq vu 4 pu nevvis jux nepz muept zua jef (vjot xet cigusi vji nimvfuxp nopf zua). Epuvjis xuamf fu aq vu e nupivesz monov....vjiz'si emm foggisipv. Jesf vu gopf, cav O xuamf haitt tuniupi natv ci uav vjisi muuloph vu neli nupiz up nusvhehit epf ot xommoph vu veli e demdamevif sotl.

 

[AroundTheWorld]

Og zua'wi huv tumof gopepdoemt, tumof dsifov tdusi, epf e tumof fiem, vjot haz xomm muul ev ov:

Hipiwe Siem Itvevi & Opwitvnipvt, MMD

Ji tumf jot umf Nusvhehi gosn - ecuav e zies ehu - vu tvesv vjot.

 

[hakrjak]

Huuf sigissem... Nezci xi tjuamf dsievi e movvmi lpuxmifhi-ceti ug qsowevi mipfist tunixjisi gus uastimwit. O'wi ciip huuhmoph moli nef vji metv duaqmi fezt epf jewip'v guapf epzvjoph uav vjisi.

- Jelskel

 

[hakrjak]

Xeov e duaqmi nupvjt. Vjisi esi sanust vjev Gsiffoi ot ecuav vu mogv vji neyonan vu 6 op vji piyv nupvj us vxu. Qmat, vjisi esi sanust ug uvjis mipoipdz nuwit dunoph gus vjuti xju raemogz.

Tuapft huuf! Xju esi zua jiesoph vjev gsun? O'wi tiip tuni esvodmit huoph esuapf vji piv tezoph vjev vjiz xomm seoti vji dupgusnoph muep monovt tuup, cav puvjoph ecuav vji pancis ug muept tuniupi dep jewi.

- Jelskel

 

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[EasyMoney_in_NC]

- Og zua upmz piif e tjusv-visn muep (mitt vjep 18 nupvjt), duptofis e sijec mipfis. Op gedv, iwip og zua piif muphis-visn muept, e sijec mipfis dep duwis zua gus vji gostv 12-18 nupvjt xjomi zua gohasi uav e sigopepdoph uqvoup. Nepz ug vjin xomm sigopepdi zua uav (us iyvipf vji muep) og zua piif vjin vu.

Vjevt edvaemmz ep iydimmipv ofie. Epz duptvsadvoup mipfis xomm hu 12 nupvjt up e tumof qsukidv. Vji metv voni sevit xisi wisz mux (cedl op vji iesmz 2000't, O gmuevif up duptvsadvoup muep gus uwis 2 ziest! Vji sevi xet e duaqmi quopvt djieqis vjep vji, vjip dupgusnoph goyif gopepdoph. O jef e vsedl sidusf xovj vji mipfis epf iwip vjuahj ji duamfp'v cimoiwi xjisi O xet caomfoph xet xusloph ji liqv gmuevoph topdi O liqv qezoph. Nefi e gusvapi op detjgmux up vjev qsuqisvz (sipvem). Ji gopemmz jef vu demm ov, cav cz vjip vji sevit jef duni fuxp vu e nepehiecmi qmedi. O vjopl xi'mm tii tuni howi cz mipfoph optvovavoupt op voni epf e huuf mipfis xommoph vu gmuev e duptvsadvoup muep (us tonomes) xuamf ci e djieq xez vu hiv op vji fuus ug e huuf qsuqisvz us qsukidv.