Hi There,
I don’t have a mortgage on my home or any lending. However, my house needs a lot of work and will easily hit 6 figures to the amount of renovations needed.
Does anyone have suggestions on how to finance a full house renovation extending to changing the heating system, adding ac and renovating kitchens and bathrooms?
My understand is I can get a mortgage, HELC or a loan. I would prefer not to leverage the house.
Thanks for the help 🙂
The way I do it is little by little, and trying to do as much as I can myself. This is the sort of thing that the return on sweat equity is quite substantial.
For instance my carpets: I’m replacing them with hardwood laminate (doggy is not carpet friendly, plus ripping them and liberating buckets of fine dust is putting me off wall to wall carpeting). So… Doing it myself it is about $2k in materials versus close to $5k to have them installed. Then there is the fact that I could just buy the $2k worth of materials from my savings, but instead I just choose to raid my variable budget categories; dining out, hobbies, heck even work lunches (I’m packing a lot of lunches). Over 3 months I managed to buy all the flooring boxes a third at a time. Necessary? Not really but saving money and not using it is a hobby of mine.
If you have the time you can start working on the stuff you are willing to tackle that is manageable within your existing budget, it should lower the rest of the six figures balance, hopefully well down into mid fives. From there your best option is probably a line of credit on the house, basically a mortgage. It would be the cheapest debt interest-wise.
Yes fair point. I have done as much as I know how to do. A lot of the renovations are more big ticket items like changing the energy systems and kitchen cabinets.
True
No one is going to give you a 6 figure loan without leveraging the house. The highest personal loan out there is 100K with SoFi, but you have to have squeaky clean credit and a giant income to qualify.
I totally get the urge to get it all done at once. But unless you have the funds to pay out of pocket you’re looking at ‘do a 35K project, pay it off’ rinse and repeat over multiple years.
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