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Rents are out of control, young professionals can't afford 1 bedrooms and even 2 bedrooms stretch the income out, its a sad fact. "The IAC won't let me be" - Me rephrasing Eminem

I would trade whore houses for violent crime any day, just as long as they pay HOA dues!

Same situation artichaze, I went from mid 600's to 760+ by piggybacking on others credit cards plus rarely putting up high balances on my existing ones, you also have to remember that you probably hit the 3+ year cut off point for most of those accounts and they became long term revolving debt...

I am 100% sure those will start at 2k, it will be the non-IAC version of the village @ the spectrum. You pay for premium location/tuscan feel.

"we would be happy with for 1.5-2 years (hoping market comes down so we can buy end of '08 or beginning of '09)" That's my plan as well, only problem is I don't have a wife or immediate roommate and 1bdrm IAC places are only a few hundred cheaper than your 2 bedroom oh well, thanks!

I'll check them out, I'm surprised that the IAC wouldn't snatch those up for having such a prime location. Are these ones you speak of close to the The Charter off von karman?

Thanks, that shouldn't be a problem. I'm sure FICO helps a little in borderline situations.

Thanks.

True, my grandfather owns an apartment complex and he has his own strict fico / DTI requirements. The IAC is a monopoly pretty much, they are able to artificially keep rents higher. They do maintain most property's I've visited very well, so thats the upside.

I liked Oak Glen, although the sub $1500 dollar 1 bedrooms are usually the 600 sqft variety. So the move in special is accredited to the life of the lease? I like Sand Canyon, a lot quieter than Jamboree area or University/Campus. How does income qualification work for renting, I...

I wasn't able to locate any of those. Are they individual apartment complexes? Homeseekers is frustratingly slow and useless.

What are some good places to rent in Irvine? Specifically , one bedroom (mediterranean themed is always a plus) Non-IAC or IAC. I'm looking to move in a couple of months depending on new job opportunity, ideal location between 405 exits macaurthur all the way to jeffery. Oh and...

http://www.dinkytown.net/java/MortgageInterestOnly.html Play with that, if you pay principle ahead of the schedule the overall loan balance recasts, meaning you can end up having a lower payment.

I'm looking at it thru my eyes, what I would do. Your average consumer won't be able to save that principle payment but it is always another option. What's wrong with paying principle every month on an I/O product then if some unplanned expense comes up you don't have to refi or risk missing a...

I heard something about zillow being sued? They technically aren't using comp's to determine value, the algorithm is based on a yearly appreciation value so it can be off by a lot, such as in this case. Anyone know what Im talking about?

It all depends, do you want a relief in payment every 13th month or on your 121st month a huge drop? if you want to keep something similar to your I/O payment for the life of the loan it would make more sense to do so on the 121st month once I/O expires then the new payment...

http://www.hsh.com/calc-amort.html That one is better, you can select a yearly principle only payment addition. I had an excellent one at work for I/O products, unfortunately I no longer have access to it. A 10 year I/O option on a 30yr fixed product is excellent, especially...

Timeline for payment? Do you have access to an amortization i/o calculator? Plug in the balance, interest rate, term and it should split out a payment just for I/O. Calculate the amount of principle you want to pay at years end (divided by 12 to get monthly of course) and that should recalculate...

It says 700's on the website? I'm confused The south brea lofts are bigger it looks like, am I right momopi?

At least we can profit off our extensive knowledge, I almost feel bad for some of those overextended people... almost I can't wait for more psycological price dropping! Come to daddy!