#5 steps

Step 1: fell out of the attic with a biowepon

Step 2: lost a leg and lay down in front of it

Step 3: use the gun belong to the BIG BAD BOSS, who kind of make your “someone” traumatized, like a pro

Step 4: kill da beach and watch it die

Andy WIP 74

Trying to get the body down. Doesn’t look like a lot, but it takes me a lot of time for re-draws and several references.

Also adding substance to pieces of the storyline. Thank you, Spotify!

There are 5 steps left to take before we get to Lover.

if this photo counts as hint 5 & hint 4.

In a seller’s market, buyers face an uphill battle. With low inventory and multiple bidders, you have to be more flexible and creative with your offers if you want to beat a slew of competitors.

However, even in tough conditions, home buyers can use a number of tactics that will allow them to achieve a dream of homeownership.

1. Know your credit score

Knowing your credit score is the starting point of your quest for the homeowner.

Before you start house hunting, you should get a report from an accredited institution. This will help you to understand what loans you could qualify for and how much money you need to save for a downpayment.

As a home buyer, you should know that most lenders require a certain credit score to consider your mortgage.

It’s always a good idea to start getting your finances in order before you request your FICO report. About 6 months before you take a deep dive into the real estate market, start paying off your credit cards and avoid opening up new lines of credit. Your FICO report should portray you as a dependable person, and if you have multiple lines of credit and a history of late payments, that will not portend well for your prospect of getting a loan.

2. Save for a 20-percent down payment

With low mortgage rates and plentiful private mortgage insurance options, it is tempting to skip a 20-percent down payment. Don’t do that.

Even if you are still making payments on your car or paying off your student loans, you should stick the real estate industry’s golden standard. If you spend less than 20 percent on your initial payment, remember that your monthly payments will be higher – and take longer.

And if you think that saving up on your own will take up an inordinate amount of time, consider tapping into your parents and even grandparents bank accounts. Small donations from several relatives could add up to a sizeable chunk of change which could help you to reach the magical 20 percent.

Another option is to have your parents or another relative co-sign the mortgage with you. While you might frown upon this option, remember that your parents have a longer - and possibly better credit history. Just remember that you could jeopardize their credit score if things go awry with your monthly payments.

3. Know what house you want

Stepping into a real estate market without a clear idea of what house you are shopping for is a recipe for disaster. Not knowing what you want can lead to all sorts of mistakes culminating in buying a property that will drain your bank account.

Before you start house shopping, write down what’s very important, less important and least important for you in a real estate property. You should know your deal breakers, but keep an open mind, especially if the market is tight. It’s not uncommon to sacrifice the preferred location or neighborhood to get a property with certain features and vice versa.

When you are shopping for a house in a seller’s market, you might have to skip a popular location, if you feel like you are being priced out of it. Having a wish list is paramount, but so is the flexibility that will increase your number of options.

4. Make more money to save

We cannot emphasize enough the importance of having a good financial cushion before you embark on your house hunting journey.

Your head might spin when expenses start piling up. Before you move into your dream home, you will have to shoulder the cost of home inspections, application fees, and closing costs to name a few. Paying for all this could be a challenge for someone who makes below a median state income, depending on the location.

If you don’t make enough money to put aside, you could consider additional sources of income. Don’t shy away from moonlighting at retail or grocery stores or Ubering on weekends to make extra cash.

Cutting back on your daily expenses could also save you a few thousand dollars a year. Skip your morning coffee and bring your own lunch to work. These things might seem trivial at first sight, but over time, they could add up to a few thousand dollars and pay for moving costs and new furniture.

5. Consider rent to own

Found your dream home but need some time to save up?

If you want to keep the tabs on the property while you are still straightening out your financial situation, consider the rent-to-own option.

Rent-to-own functions similarly to a regular rental property, but in the end, a renter has an option of buying a house. With its SFT program, EBuyHouse does exactly that; renters have an option to test-live a property for a few months before they decide to buy it. Rent to own might not a preferred choice of most home buyers but it could be a way to win some time before you are able to come up with a down payment and save up enough money to move.