8 minutes to read


As expressed by the legendary thirteenth century Scottish hero, William Wallace, “Freeeeeedddddoooooommm…..!!!!”


Freedom, indeed. Financial freedom speaking, that is…of my rental property.

As of the 19th of November, I’m finally free of my home that was forced into a rental property back in 2009 when I couldn’t sell it because of my lack of funds and inability to sell in a down market.

It truly was the bane of my financial existence.

I bought it for $193,000 in 2007.

In 2009, I had to move away from my home when it couldn’t sell, so I rented it out in November 2009 when the appraised value came in at $171,000.

At that point, the mortgage was around $1,550, though, my rental income was only $1,100.

I was at a $400 loss for about three years. It affected me to the point that I wrote about how much these payments pissed me off back in October 2011.

Thanks to the HARP 2.0 program that the Obama administration introduced, I finally got a chance to refinance my rental property in 2012 even though it was SUPER underwater.

This had brought the mortgage payment down to $1,150, which was great because my renters had recently negotiated a $50 monthly decrease in their rent.

My $400 monthly loss was minimized to a $100 monthly loss.

Still, I wasn’t comfortable with the loss or the fact that I had to hold on to a property that provided zero cash flow.

Furthermore, at the time of the 2012 appraisal my home’s value dropped significantly more than the previously appraised $171,000 value. I think it dropped to $146,000.

Then, in May 2013, my tenant since 2009 had begun missing rental payments by the tune of 30 days. Instead of evicting, I kept giving her chances to catch up. Eventually, she left the home in August 2013, unbeknownst to me.

When I went to visit the property, it was a trashed. I had to sink at least $6,000 into it before I could finally attempt to sell it in October 2013.

Unfortunately, it sat on the market for three months with no luck. I finally decided to rent it out again in January 2014.

Beginning in January 2014, I chose to have my real estate agent’s team manage my property for a fee of 8% of the rent. This meant that an additional $84 was added to my net loss of $100.

I didn’t really mind it since a loss of $184 monthly was much better than the previous three month’s loss of $1,150. I met one of the spouses of the married couple and was excited that she was seemingly pleasant.

Despite my net loss, I was happy that the home was leased under contract for the next 12 months…so I thought.

From January to August 2014, payments came in as scheduled. However, towards the middle of August 2014,  I received an email from my property manager letting me know that my tenants were moving out. The husband legitimately invoked his military clause to end his lease. There was nothing I could do.

A Decision I Had to Make

I was tired of being a landlord, especially for a home that didn’t net me any cash flow. Being a landlord sucks even if you have a property manager. This is the main reason why I sold my Charlotte personal residence and my Charlotte investment property in the summer of this year. I could have cash flowed $1,000 per month and built up a portfolio of rental properties, but I decided to sell the properties and take my $70,000 in profits instead.

The great thing about those transactions is that they gave me the capital to make the important decision to finally sell my Georgia home.

I’m lucky that the home only required about $800 in repairs after the inspection.

The seller must have known how motivated I was to sell my property.

Although I owed $170,000 on the property, my asking price was $142,900.

After being on the market for about two months, a buyer gave me the asking price. Unfortunately, he also asked for 3% in seller’s concessions.

In total, I had to pay my realtor, the seller’s realtor, the concessions “fee”, AND the total amount that the property was underwater.

I had to pay $40,800 to get rid of my headache. But guess what?

It hurts so good. Like I said in the past, psychological independence is a wonderful feeling.


I now have one less financial drain on my finances and I am now happy to report that my total monthly fixed obligations are less than $1,400 month.

Mortgage  $                       958.32
Life Insurance  $                         19.99
Comcast  $                         29.99
Gas/Electricity  $                       150.00
Auto Insurance  $                         70.00
Water  $                         50.00
Son’s cellphone  $                         12.00
My cellphone  $                         35.00
Netflix  $                           9.64
Google Storage  $                         10.00
Total  $                   1,344.94

I anticipate keeping my expenses in this manner for some time to come. I have no reason to take on any other payments.

In 2015 and beyond, all my extra money will go towards growing my wealth number and buying my financial independence.

I now have much greater freedom to do what I want.

Life has just become about choices that are within my control and it feels great to know that I can effectively walk away from my job, if I desire, to pursue just about any career I want without worrying if it’ll pay the bills or not.

It’s an amazing feeling…

7 minutes to read

Taking Action May Increase Your Bottom Line by $40,000

On April 23rd, 2014, my current primary residence was listed on Realtor.com.

On May 13th, 2014, my current primary residence went under contract.

The initial offer was a $135,900 cash offer with a $2,000 earnest money deposit and no closing cost credits required.

I was willing to accept it since it met my “numbers” criteria. Mainly, I would be walking away with at least $33k from the deal, tax-free, since it’s my primary residence.

However, my unofficial real estate investment “adviser” suggested I counter the offer with $137, 500 with a required $5,000 earnest money deposit, in addition to getting away without paying closing costs credits.

My counter offer was accepted and I am set to close this Friday, June 13th.

Taking Action

Three years ago I asked on this blog if I should buy another home.

I went back and forth about the idea because I knew I didn’t make the best financial decision when I purchased my first home.

I was bitter about my first home purchase because I ended up purchasing it using emotions rather than mathematics. In other words, I speculated that I would just rent or sell my home in few years when I would have to relocate.

The problem was, I didn’t even evaluate the rental market before making this decision. I ended up with a $1,550 monthly mortgage (including taxes and insurance, but not including the $70 monthly HOA fees) but later found that could only rent my home for $1,100.

Also, by the time I had to relocate I wasn’t able to sell my property either.

The mortgage crash of 2008-2010 happened and brought my home’s value from $191,000 to $136,000!

My house went underwater by more than $50,000!

I ended up renting my home for $1,100.

This gave me a net NEGATIVE cash flow loss of $470 monthly. And it sucked.

Luckily, two years later the Obama administration introduced the HARP 2.0 program that allowed me to refinance my underwater rental, of which I gladly took advantage. After the refinance, having put a minimum amount down..again…but this time strategically on purpose, my total mortgage payment reduced to $1,136. I figured it was better to have a net NEGATIVE cash flow of $36 than almost $500 monthly.

I still have this property for which I owe $171,000 and still lose money every so often, like the $6,000 that I had to pay to repair the damage done by my previous tenants.

I could have easily let my first home that turned into a forced investment property deter me from buying my second home in 2011, but I didn’t.

I realized the mistakes I made in the first deal in made in 2007, moved forward, and figured out the best way to buy a home or investment property, if I had to do it again.

Then, I took action and converted my theory into action.

Most people would have been afraid to take on more debt, but like I stated before, I’m not Dave Ramsey.

After gaining enough confidence to evaluate my past mistakes and realizing that I could get a mortgage for only $550 where the going rental rates were $1,100 monthly, I purchase my second primary residence.

Transparently speaking, I first rented for six months before saying, screw this, “I’m paying the break lease fee and am buying another home.”

What’s the Worst that Can Happen?

Sometimes you have to ask yourself, “what’s the worst that can happen?”

No one knows the future but you can make pretty safe bets against it. Here are the thoughts I had prior to my second home’s purchase:

I figured that if I couldn’t sell my home in the future,  I’d  have a $500 net POSITIVE cash flow at a minimum, even if I had to hire a property manager to look after my property.

I figured further that if I couldn’t rent my property I’d only have to pay an extra $550 monthly to maintain a nice home in a well-kept neighborhood. There are folks who pay this amount monthly for cars.

And last, I compared my rent vs. buy scenario. If I rented the same home in the same neighborhood, I would have had to pay twice as much to rent.

The situation became a no-brainer without any predictability of the future.

What’s the point?

My purchase from less than three years ago has led to a home that I’m selling for an infinite ROI.

Don’t be afraid to take an action on a situation that has multiple win-win answers to the question, “what’s the worst that can happen?

Here are my final numbers:

Original mortgage balance, September 2011: $102,150

Mortgage balance, June 2014: ~$97,000

Sale Price: $137, 500

Gross earnings (Cash to Seller on HUD Settlement Statement): $32,589.16

Net earnings from sale: $32,589.16

10 minutes to read

My Investment Property, After the Rehab

My Investment Property, After the Rehab


On April 9th, I first presented the investment property that I recently acquired.

After a few hiccups trying to get financing on my own terms so as not to disrupt the closing date of May 13th, 2014, I settled on a hybrid option of using a personal loan and cash for this property. There are plenty of advantages for going this route. I wrote about some of them here.

If I can help it, I’d never try to use a mortgage for an investment property again.

A primary residence, sure. But my experience with Wells Fargo shows that an investment property mortgage is a mortgage for a property that is move-in ready.

I learned that when you are trying to acquire an investment property, you must move fast. You won’t have much time to wait for a bank’s red tape.

After all was said and done, I closed on my investment property on schedule, May 13th, 2014, and the rehab began the next day.

It feels pretty good to hold the deed my property, especially when there is no mortgage on it.

The rehab was completed in only 10 days.

Unfortunately, now that the rehab is finished, I’m listing the property for sale, as opposed to renting it.

I could hold the property and rent it for over $1,300 monthly, but I decided that the “buy and hold” strategy is not one that I want to take right now.

I want to acquire, fix, and flip. This strategy is the quickest way to accelerate my wealth number savings. If you have no idea what I’m talking about, be sure to pick up the book.

Hopefully the days on market will be fewer than fifteen so I can move on to the next investment property that I’ll be gunning for in tomorrow’s county auction.

This wishful thinking is driven by the fact that my current home, which is in the same sub-division, was listed and put under contract in only twenty days.

I’ll write more about the details of both my personal property and the acquisition cost of this property in a later blog post, so be sure to sign-up for future posts if you don’t want to miss it.

In the meantime, here are all the things that went into the home to get it ready for a showing:

Scope of Work for this Investment Property (Finished in 10 Days)

Exterior Repair Items:

1. Mow lawn
a. Remove all weeds from flower beds
2. Add pine straw to flower bed area at front of home
3. Trim all foundation shrubs/trees located at front porch area and/or rear of home.
4. Paint all shutters (black)
5. Paint front door (black)
6. Paint trim around front door (white)
7. Remove all satellite dishes from home
8. ALL Front porch columns
a. Paint (see paint schedule and layout)
9. Add splash blocks at all downspouts
10. Clean gutters
11. Pressure wash outside of home, rear patio, sidewalk and driveway
12. Remove all screens, place in attic
13. Make sure the plumbing is clear and repair leaks, HVAC is tuned up and working, electrical is working properly
a. NOTE: HVAC tune-up/inspection is REQUIRED to be completed by a licensed, bonded and insured and certified HVAC company.
b. HVAC tune-up includes up to 2lbs of freon (per unit – if needed)
14. Make sure doorbell is functional
15. Check roof for missing shingles, flashing around plumbing boots, flashing around chimney, step flashing, etc.

Home Inspection Report Items:

II. Exterior

1. Repair inoperative doorbell
2. Seal/ caulk, paint kick plates on front and rear doors
3. Cut vegetation away from siding
4. Replace scuttle hole door
5. Repair rear door locking mechanism
6. Repair damaged siding (patch with color match as close as possible)
7. Caulk all exterior penetrations
8. Remove garage door lock/ check for proper operation

IV. Plumbing

9. Replace clean-out cap assembly
10. Repair loose toilet upstairs
11. Repair 2ea. Bath sinks
12. Start hot water heater/ verify function

V. Electrical

13. Replace electrical device covers as needed throughout


14. Repair damaged duct distribution box in attic
15. Perform system start-up

VIII. Interior

16. Repair ceiling at top of stairs
17. Replace missing doors/ reinstall existing loose doors
18. Replace handrail
19. Replace flooring
20. Adjust/ rig bedroom door
21. Replace bedroom window
22. Replace smoke alarm batteries/ ops check system

IX. Appliances

23. Replace inoperative disposal

Interior Repair Items:

1. Paint interior of home
2. Remove and install new carpet in entire home
b. Laminate hardwood flooring downstairs
3. Replace all filters
4. Change all inoperable light bulbs
5. Install carbon monoxide detectors on 1st floor
6. Replace all damaged and/or missing outlet covers with white outlet covers
7. Replace all damaged and/or missing switch covers with white switch covers
8. Replace all damaged and/or missing door stops
9. Clean interior of home+ windows

Living Room+Foyer (front room)

1. Replace fireplace batteries/ start-up logs
2. Install laminate hardwood flooring
3. Paint walls/ trim
4. Install CO2 detector

Kitchen/Breakfast Room

1. Paint Walls, Trim, touch-up ceiling
2. Install microwave
3. Replace garbage disposal
4. Caulk sink area

Dining Room

1. Install laminate hardwood flooring
2. Paint Walls, Trim, touch-up ceiling

Stairs/2nd Floor Hallway

1. Replace carpet
2. Paint Walls, Trim, touch-up ceiling
3. Clean HVAC return
4. Replace handrail
5. Replace missing closet door

Second Floor Hallway Bathroom

1. Caulk sink and shower/tub combo
2. Paint Walls, Trim, touch-up ceiling

Downstairs Bath

1. Paint Walls, Trim, touch-up ceiling
2. Caulk plumbing fixtures
3. Install laminate hardwood flooring

Pantry / Laundry

1. Paint Walls, Trim, touch-up ceiling
2. Remove/ reinstall wire shelving for cleaning/ painting

Master Bedroom/ Closet

1. Paint Walls, Trim, touch-up ceiling
2. Replace carpet

Master Bathroom

1. Caulk sink and shower/tub combo
2. Paint Walls, Trim, touch-up ceiling

Bedroom #2

3. Paint Walls, Trim, touch-up ceiling
4. Replace carpet
5. Repair 2ea. closet doors

Bedroom #3

1. Paint Walls, Trim, touch-up ceiling
2. Replace carpet
3. Repair 2ea. closet doors

Bedroom #4

1. Paint Walls, Trim, touch-up ceiling
2. Replace Carpet

Downstairs Bedroom

1. Paint Walls, Trim, touch-up ceiling
2. Replace Carpet
3. Replace broken window

Total Cost and Pictures

Before the Rehab Pictures

After the Rehab Pictures

The total cost for the renovation, including coordination fees, appliances, and wastes of money that I will soon write about: $15,000.

Still not bad.

I paid only $86,050 for the home and will list is for $152,000.

Time to flip this home and do it again…

Again, be sure to compare these pictures with the earlier ones from when I first acquired the property.

Andy, the contractor, and his team of two people did an awesome job.

And I have to thank KNB Enterprises for coordinating the entire process while I did pretty much…nothing more than said, “make it happen.”

8 minutes to read

Why You Should Buy An Investment Property Without a Mortgage

Should you buy an investment property without a mortgage? The answer is a resounding yes.

This is what you should do instead, if you can.


1. Consider paying cash. If you don’t have the cash, then save until you can get the cash.

2. If you don’t have the cash, consider a personal loan from the bank. The interest rate will be much higher than a mortgage, but you’ll have to deal with less red tape when it comes to securing the property.

3.  If you don’t have the credit or income that would approve you for a personal loan, consider a hard money-lender. Their interest rates and fees are much higher than the bank but with this method you again get to escape the red tape of the mortgage underwriters at the bank.

4. If you’re buying a property from an actual person who is a distressed seller (i.e. divorce, job loss, distant home owner), consider a method called creative financing. This involves buying a property using owner finances, subject to the existing financing, or leasing to own.

With any of the cases above, you can acquire your property, fix it up, and THEN refinance it into a mortgage that is amortized over 5 or more years.

Last case scenario, use a mortgage.

Here is why:

When you buy an investment property, you want to close and have the deed assigned to you as soon as possible.

In my particular case, I have to close on my investment property by May 13th else, I’d need to request another extension (I originally requested an extension to close that moved me from 29 April, 2014 so the BANK could have time to put my mortgage package together). I put the house under contract on March 26th.

Well, the appraisal came back last week and it stated that I need to have a few things completed on the investment property before the lender should approve the loan such as verifying that the hot water runs, installing a safety rail on the stairs, fixing a broken window, and installing all electrical coverings. You can see these things in the pictures in this post.

Now, one week prior to the closing date I have to scramble to get these things fixed.

The most frustrating thing is that the window has to be ordered and, if not in stock, will likely not be available for installation until after May 13th.

What’s even more frustrating about this situation is that the repairs pointed about by the appraisal is all apart of the $12,000 in renovations that are already set to begin on May 14th, the day after closing.

Apparently, the underwriter has to protect the bank’s interest so these “safety” concerns much be fixed.

So, I have two choices.


Choice one: The easiest but least convenient choice is to request an extension from the seller…again.

This will push a lot of my dates to the right, inconvenient the contractors who are working on other jobs, and possibly interfere with another close that I have for my future primary residence that’s also preparing to close this month.

The biggest problem with this choice is that I’m an emotional, whiny elitist who throws his middle finger up at the system when it doesn’t play by my rules (Step one is admitting you have a problem. Check.).

Choice two: Try for a personal loan.

Since I don’t have enough cash to pay for this home in full, I still need a loan. So, I’m requesting a $64,000 personal loan at a rate of 8.49% with a payback period of 7 years. The fixed payment will be around $1,100. I don’t care. I’m pissed. Full rationality does not exist in my current irrational state of being.  But here are my initial rational thoughts without thinking through ALL THINGS.

I can refinance the property for $100,000 (after repair value of $150,000) and pull out every cent that I soak in this house.

I can wait to sell the property for 60 days or,

If I can’t refinance or sell the property to recoup all of my money for whatever reason, I can easily rent it out for at least $1,175 monthly to cover the cost of the personal loan.

On paper, this options sounds great.


This entire situation is a catalyst to save even more of my money so that I can easily cut out the middle man in the future. In this case, the bank’s loyal underwriting team is the middle man.

So there you have it, the reason why you should buy an investment property without a mortgage is so you can cut out the middle man, who is a HUGE obstacle in many cases.

In the future, I want to purchase all of my investment properties using cash and THEN use the bank to refinance, if I must.


10 minutes to read

Busy, Busy, Busy. And What Should I Do With My Real Estate Portfolio?

Happy May 1st everyone!

You may have noticed that I’ve been absent from the blog. I have plenty to say but I’ve been focusing my efforts else where. I’ve been burning to write a post titled, “How to Live a Champagne Lifestyle on a Water Budget” ever since I was accused of this by the person whose house I decided not to rent. But, that’s another post for another day. I mean, who other than me can write such a prolific post with hundreds of examples, such as how I shop at thrift stores and Ikea to save money? haha. Oh, well.

I have too much going on in the next two months, all which was amplified when I decided to become a real estate mogul. So, unfortunately I don’t have time to shine such a positive light on this negative person.

This weekend, I’m off to a friend’s “Big Fat Mexican Wedding” in New Haven, Connecticut. It’s going to be great. She’s been a Facebook friend for over three years and it’s going to be good to finally meet her during her special occasion. I’m also meeting up with one of my best friends and his wife whom I haven’t visited in quite some time.

Two weekends later, I’m going to visit my dad in Detroit, Michigan for his 74th birthday. Although I frequently call him on the telephone, it’s usually once a year around his birthday that I try to visit. Since I don’t visit my hometown too often, I’m going to try to visit as many of my friends, family, and mentors as possible. At a minimum, since my lovely woman is traveling with me, we’re going to drive around Detroit to see the good, the bad, and the ugly. I love acting like a tourist in my own home town. 🙂

In the next two weeks, I have to close on the investment home that I recently purchased at the county courthouse here in Charlotte.  And after closing, all repairs and upgrades need to be completed within one week so I can have the home listed to either sell or rent by June 1st.

In the next two months, I’m moving from my current home in Charlotte, NC to another home that I’m purchasing in Bartlett, TN, a suburb outside of Memphis. I still have to close on this home, which means that some time this month I have to fly to the attorney’s office in Tennessee. After which, if I want the home to be ready prior to my personal property arriving I’ll need to schedule painting, carpet, and hardwood installation, at a minimum. And then, I’ll be changing out the existing appliances for stainless steel.

In June, I’ll be spending two weeks in Costa Rica with my lovely lady.

I’m super excited about this! The first week I’ll be teaching English to different organizations in the city of San Jose, Costa Rica while she assists with child care. We’re going to be housed locally and be fully immersed with a native family. The second week will be spent relaxing, touring, and catching up on our future business plans. She wants to grow her blog, Young Finances, and I want to eventually sell more copies of The Wealth Number: The Financial Solution to Pursuing the Job You’d Love.

Finally, when I return from Costa Rica I’ll be spending a week in Orlando, Florida with my son and my lovely lady, if possible. I’ve been promising my son that we would check out the Harry Potter theme park since it opened about four years ago. It’ll give us time to catch up on how his summer is going since he spends it with his mother, as well as relax in the Florida weather at a nice resort.

Once those trips are over, it’ll be back to getting my home ready for live-in condition prior to returning to work sometime in mid-July.

So, there you have it. Lots of stuff going on and plenty of memories to be made. All the while, I have some business decisions to make with respect to my real estate portfolio.

What Should I Do With My Real Estate Portfolio?

Before I take off for my flight to Costa Rica I’ll have a real estate portfolio of four homes.

  • The one home in Georgia that used to be my primary residence and is still underwater (under by 30k) and that negatively cash flows about -$100 monthly.
  • My current home in Charlotte that has equity of about $50k.
  • The investment home here in Charlotte whose after repair value (ARV) will yield about $85k in equity, and
  • My future primary residence that will have an ARV that will yield an equity to about $20k.

All homes will have mortgages.

I’m trying to determine if I should rent out the two homes equity or sell them and walk away with $90k (after commissions) and use it to flip more houses.

If I keep all the homes for rent, I can pull the equity out ($135k) to buy properties that I can flip…again and again. Afterwards, I can repay the equity lines of credits and take the profits from the flips. Meanwhile, I’ll have renters paying off the mortgages and yielding me a net operating income of roughly $1,100 monthly.

If I strategically pay off the mortgages of both homes in Charlotte I’ll have the opportunity to yield an extra $24,000+ a year within the next five years. This seems like a no-brainer. Of course, the down-side is that I’ll have tenants as liabilities and an extra $1,100 monthly in mortgage payment expenses.

If I sell the homes, I can walk away from them and focus my real estate efforts locally in the Memphis area with no long-distant liabilities.

In any case, I can write about the pros and cons of this entire portfolio ad nauseam but I just shared the surface of the decision-making that is going on right now. There are many benefits to keeping the properties that I didn’t mention such as having a home at its current fixed price if I decide to return to Charlotte.

7 minutes to read

Purchased a Primary Residence. Here are the Pictures.

I still don’t feel like writing so I figured I’d just share the pictures of my future home. Eventually I’ll write in length about how I evaluated this property…maybe…so if you are interested be sure to sign up for the blog using the subscription form on the right side of this site.

I received word today that my offer of $153,000 was accepted by the seller…right on time. I gave the seller until 5pm today to accept. It was a different type of foreclosure but a foreclosure nonetheless. The price was non-negotiable because the listing price was subject to HUD listing guidelines for properties that were foreclosed because of the death of a “reverse mortgage” mortgagor.

The weekend trip to acquire the property was pretty efficient. I knew the area in which I wanted to purchase because my lady, LaTisha, and I visited last weekend the area last weekend, scoped it out, and was prepared to rent in the same neighborhood for $1,550 monthly.

However, I came to my senses and realized that I could get a mortgage for only $800 if the price on a home was right and could instead use my own money to fix up a property to my liking. So, I made sure that my purchase price met the 1% rule for real estate investing, just in case I can’t sell this property in the future, and I made an offer.

Note: The 1% rule states that you should be able to get at least 1% of the home’s value as rent. In other words, a home with an appraised value of $153,000 should  yield $1530 in rental income.

What’s good to know is that the average rents in the area in which I bought is $1,700, yielding me about 1.2% in future rental income with the property as is. By the time I make necessary upgrades and changes the property should increase in appraised value by another $25k. While this is a primary residence for now, I no doubt kept these numbers in mind as if this was an investment property that I just so happened to also live in.

Once I get into the home,  I’ll have to change out the carpet in the bedrooms, replace some of the carpeted areas (such as the formal dining room and bathrooms) with 18″ ceramic tiles, refresh the paint with a neutral beige, upgrade the cabinet hardware, and replace the appliances with stainless steel. Hopefully, I won’t have to spend more than $12k for the upgrade, including labor.

This is definitely a great find. The middle school, city recreation center, performing arts center, police and fire station, walking trails, and a stocked fishing lake are all within a 5 minute walk of the house. A large mall and plenty of restaurants are up the street, and there are plenty of grocery stores, including Target, Kroger, and Wal-mart within a five-minute drive. This is a classic “location, location, location” property. 🙂

I’m super excited to start a new journey into a new home really soon.

Front of Home

Front of the Home; 2 Car garage; 1,955 Sqft; 4 bedrooms, 2 baths.


Backyard looking at the middle school and the recreation center.

Backyard looking to house

Backyard looking to house

Back screened porch

Back screened porch

Formal dining area

Formal dining area

Two car garage

Two car garage

Kitchen cabinets looking at the sink area

Kitchen cabinets looking at the sink area

Kitchen cabinets looking at electric stove

Kitchen cabinets looking at electric stove

Kitchen Pantry

Kitchen Pantry

Living Area

Living Area

Master bedroom

Master bedroom

Master bathroom

Looking into the Master bathroom. Carpet? Really? Yuk!

Mater bathroom pic #2

Mater bathroom pic #2

Master bathroom pic #3

Master bathroom pic #3

Stairs to Bonus Room

Stairs to Bonus Room

Bonus Room

Bonus Room

Bedroom 3

Bedroom 3

Bedroom 2

Bedroom 2