V&V Wood Crafts

Unfettered Thoughts

Won’t always be the most interesting of reads, but may be some good nuggets scattered throughout. This is more of mental practice for myself to see how I change over the years. When I take the time to journal regularly, I usually find a sharper mind and memory as the reward.

Sunday 3/7/2021

Personal Finance:

Trying to figure out the best restructure of all personal and business debt. Take most advantage of primary home vs investment loans. Maybe it makes more sense to detail the whole situation and have lenders pitch Their best offer. Go after specific goals.

-No PMI on any house.

-Convince me 30 yr vs 15/20 yr.

-Multi property closing cost deal.

-Austin house shared name with V&V to get tax advantage, and prep for eventual new house.

-No flood insurance on Spruce (flood maps only touch less than 1% of property (about $2k to fight with LOMA).

-Saint Clair and Spruce expire soon and currently have the highest interest rate.

-Wilbur, remove mom from the original cosign spot.


Daniel HankinsComment