I'm refinancing my house. What a pain in the ass to get all that paperwork together! It will save me $400 a month so it's definitely worth it. My friend, Denise, is also refinancing and set me up with her lender, Armando, for the process.
She didn't warn me about Armando. Today we had a zoom meeting and when I got on the call I was struck speechless by one of the most handsome men I have seen. I was so astonished that I started chuckling then quickly had to redirect and compose myself. It took a few minutes for me to start making sense. He has a chiseled face and medium-dark skin with beautiful features and slight salt and pepper hair. He was wearing simple clothing that, even when sitting on a zoom call, showed off his muscular build.
Denise forgot to mention his incredible looks because she's a lesbian and he's not her type. Tonight when I called her to giggle about his good looks she thought about it and mentioned he frequently suggests zoom calls but she shuts that down.
She tells him, "No, you do nothing for me, let's just talk on the phone."
I'm fascinated with real estate. I tried to be a real estate agent 12 years ago but I couldn't quite make it work then I had my second baby and life took different turns leading me away from that dream. Even though it didn't work out to be an agent I didn't lose my love of houses and apartments and creating fantasies. I love imagining how a space will work for a family. I love optimizing a fixer-upper in my mind and creating a lovely space that is pleasing to the eye where someone can call home. I'm constantly perusing the For Sale listings and I stay up on how prices are fending in the market in my city and local neighborhoods. Of all the junk mail I receive in my email box the real estate updates are most often opened.
My dream is to buy inventment properties that pay all my bills and a little more so I can ultimately retire from my corporate job. I don't spend a lot of money. I drive a 2001 Toyota Camry with 100,000 miles and I don't have any plans to upgrade. I rarely buy new clothes or indulge in luxuries. My only financial vice is traveling and with the quarantine I can't do much of that. I've been able to save and now I have a nice little nest egg.
After I recovered with Armando we had a nice long conversation where he explained to me a strategy for buying an investment property that I didn't know about. When buying an income property one strategy is to lower all my monthly bills so my debt/income ratio is lower and I can afford to borrow more for the second property. I'm refinancing my house then I can buy a second home and use my current property as a rental. I'm feeling so excited and like I'm on a trajectory to realizing my ambition of owning more real estate and ultimately being financially independent from my current career. I'm feeling excited and grateful tonight!
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