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HELP with small houses!!

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  • Dani TWanda
    Hello Everyone, Let me go ahead and apologize, right now, for my very forward and brash e-mail. This is the first time I am writing to the group, and I must
    Message 1 of 9 , Jan 9, 2007
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      Hello Everyone,
       
           Let me go ahead and apologize, right now, for my very forward and brash e-mail.  This is the first time I am writing to the group, and I must admit that I have thrown all of my pride out the window, and I come to you all begging and pleading!!  I will try to make this very long story, short, and get to the point - but, just a little bit of background, first...
           My intention is to build two, 160 square-foot houses (one for myself, and one for my mother, right next door) - I have spent the past 5-6 months trying to find a lot where I can put these houses, and trying to get financing to build them.  After these 5-6 months of working on all of this more than a full-time job, I am still completely empty handed. 
           As for the financing, although I have a credit score of 800 and not one penny of debt, the lending organizations still don't want to touch me because what I'm doing is too un-traditional for them, and they don't want to risk it.
           As for finding a lot, if there is something I can afford, it's in the most crime infested area of the city - or, if there is a nice lot somewhere, it goes for about $75K for 1/2 an acre, and I'm not going to (I'm not able to) pay that amount of money, for that amount of land.  As if all of this were not bad enough, you can't imagine the obstacles that are put up as far as zoning and codes.
           Having these two houses for my mother and I has been a dream of mine for at least the past five years - I have to admit that I was either completely naive, and/or completely stupid - I thought it would be no problem, at all, making this happen - I thought people would be thrilled  that some of us didn't have a need for a huge house, or a need to have a bunch of land sitting around just for show - how wrong I was.
           So, before I go off on a tangent, let me reel myself back in and stick to my point, which is this:  HELP!!!!  I have always considered myself to be a very resourceful person, but I must say that I am completely out of ideas - I have tried absolutely everything I know to try, and I still have nothing.  I write this to you all to ask for any help, whatsoever, anyone can give me - advice, feedback, comments, ideas, suggestions, etc... anything.  I am wanting to set up these houses in the Chattanooga, Tennessee area, so if anyone knows someone in that specific area who can help me, that would be wonderful. 
           Allright, I don't ask for much, do I??!!  Again, I'm sorry to be so in-your-face with this, but I don't want to have to give up my dream of my mother and I living in these houses, but right now, that is what reality looks like for me - hopefully, you all can change that around for me (no pressure there, eh?!). 
           Thank you very much for any time and attention you spend on this matter, and thank you very much for even reading this long, babbling e-mail.  I sure hope to hear from some of you.  
       
           Thank you, again -
           Be Well -
           Dani T'Wanda
       
      P.S. - you can either reach me through the group or, if you prefer, feel free to call me on my cell phone at any time - (919) 523-7243. 

      __________________________________________________
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    • Jean Bellinger
      Try the Small House Society for much good info and help: http://www.resourcesforlife.com/groups/smallhousesociety/ ...
      Message 2 of 9 , Jan 9, 2007
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        Try the Small House Society for much good info and
        help:

        http://www.resourcesforlife.com/groups/smallhousesociety/
        --- Dani TWanda <omimag07@...> wrote:


        > My intention is to build two, 160 square-foot
        > houses (one for myself, and one for my mother, right
        > next door) - I have spent the past 5-6 months trying
        > to find a lot where I can put these houses, and
        > trying to get financing to build them. After these
        > 5-6 months of working on all of this more than a






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      • Dani TWanda
        Thanks, Jean - I have looked at the website, and I ve gotten the information that I thought could be of help - still, nothing has lead me to where I need to be
        Message 3 of 9 , Jan 10, 2007
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          Thanks, Jean - I have looked at the website, and I've gotten the information that I thought could be of help - still, nothing has lead me to where I need to be - but, I'll keep trying.
           
          Thanks, again -
          Be Well -
          Dani

          Jean Bellinger <jbellinger@...> wrote:
          Try the Small House Society for much good info and
          help:

          http://www.resource sforlife. com/groups/ smallhousesociet y/
          --- Dani TWanda <omimag07@yahoo. com> wrote:

          > My intention is to build two, 160 square-foot
          > houses (one for myself, and one for my mother, right
          > next door) - I have spent the past 5-6 months trying
          > to find a lot where I can put these houses, and
          > trying to get financing to build them. After these
          > 5-6 months of working on all of this more than a


          ____________ _________ _________ _________ _________ __
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          Tired of spam? Yahoo! Mail has the best spam protection around
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        • b0ttleman
          Hi Dani, I think you re suffering the pains of a pioneer: you ve got a wonderful idea, which many people can respect and even admire, but when it comes to
          Message 4 of 9 , Jan 10, 2007
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            Hi Dani,

            I think you're suffering the pains of a pioneer: you've got a
            wonderful idea, which many people can respect and even admire, but
            when it comes to laying down hard cold cash, very few are going to
            want to share the risks of your project with you.

            It's no surprise your project just doesn't fit in to the headspace of
            traditional lenders, because from THEIR perspective, there's a lot
            of risk. Remember their goal: to make guaranteed money, either by
            receiving your payments, or unloading the place if you fail to make
            the payments. From their point of view, they can't imagine people
            living in two 160-square foot houses, so they can't imagine anyone
            buying a place like that either, and worst of all there's no record of
            anyone buying a place like that, and therefore they have no way to
            feel secure that if you don't make the payments they'll be able to
            unload the place and make guaranteed money. Given that quite large
            and unusual uncertainty, your awesome credit score is probably
            irrelevant.

            So,in one way or another you're going to have to take on more risk
            than if you wanted to build a traditionally scaled place.

            You're either going to have to:

            1) fight with the lending/real estate/permit system for a long time to
            get what you want. (see my experience, http://bottleworld.net/?p=49 )

            2) somehow lie and trick that system into giving you what you want; or

            3) try to exist outside the system entirely and hope you don't get
            caught; or

            4) some combination of the above.

            For example, it sounds like you could probably get a loan to buy a
            piece of land with no structures or some existing structures on it. This
            will have a known value the lenders can comprehend. Once you're
            occupying the land, you could slowly change the structures and
            landscape so they fit your desires. Of course there's a risk: what you
            do might not be legit according to local codes, and if you get caught,
            you'll have to do
            a lot of work to "get in to line", or in the worst case scenario,
            destroy your buildings.

            Alternatively, you could build your small houses on trailers, in case
            that exempted them from codes in your area. Then if you had to move,
            you could sell the land for a profit, and you wouldn't lose the houses.

            There's no way you can eliminate these kind of risks. You're going to
            have to figure out which ones you are most comfortable with.

            Before you get into all this pioneering, I have one very gentle
            question to ask: have you *tried* living in the type of buildings and
            land that you are dreaming of? A 160-square foot house might be a
            transformative experience (as it is for many who've tried it) but it
            might not be your cup of tea after all.

            If you haven't tried it, I suggest that you spend some time and cash
            giving it a shot in a way that doesn't risk a mortgage's worth of
            money. There are resorts, even motels, that have 160-square foot
            cabins. Maybe you could rent somebody's travel trailer. Even if you
            blow a couple of thousand on that experiment, it could really be worth
            it and save you a lot of time and money later. Shay Solomon's book is
            also good, in that it gives a lot of practical experience from real
            people, and discusses some of the challenges of the life as well as
            the benefits.

            Anyway, that little experiment could really clarify what you want and
            need from your building project. That way when you get into it,
            you'll have a really clear idea of what is worth fighting for.

            Good luck! bottleman
            http://bottleworld.net
          • ljyanney
            ... Frustrating, isn t it? You ve listed many of the problems that we ve all come up against. Some people have been able to find ingenious solutions: Gregory s
            Message 5 of 9 , Jan 10, 2007
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              Dani TWanda wrote:

              > Thanks, Jean - I have looked at the website, and I've gotten the
              > information that I thought could be of help - still, nothing has
              > lead me to where I need to be - but, I'll keep trying.

              Frustrating, isn't it?

              You've listed many of the problems that we've all come up against. Some
              people have been able to find ingenious solutions: Gregory's house and
              the original Tumbleweeds are on wheels primarily as a work-around for
              minimum square footage and zoning restrictions in a developed city, but
              the compromise also means that these little houses have to be on lots
              with existing "real" houses. Other folks have gone outside city limits
              or even to other states where building codes are different. Still
              others are esstentially "squatting" on their own land!

              While I wish I could show you the way to the Promised Land, we're all
              pioneers in this, and it looks like the journey is going to take a
              while.

              So what good are we? Well, there are the resources, of course, and
              considerable accumulated experience, although we're still at the point
              in the process where, like you, there seem to be more puzzles to solve
              than answers. For me, sharing with others some of the dreams and
              difficulties of our adventures in new housing is inspirational,
              comforting and entertaining.

              I hope you'll stick around and let us know how your quest progresses.

              Linda Yanney
              Iowa City
            • Bob Korves
              It should be a basic human right to build your own shelter for your own (and your family s) use on your own land. I think this right is more basic and ancient
              Message 6 of 9 , Jan 10, 2007
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                It should be a basic human right to build your own shelter for your own (and your family's) use on your own land.  I think this right is more basic and ancient than free speech and the right to defend oneself.
                 
                That said, it is not your right to expect other people to support your choices.  It is not your right to expect financing, insurance, or the ability so sell this personal shelter to another if it doesn't meet socially agreed upon standards or commonly held values.
                 
                In Humboldt County, California they have added to the building codes a category called "Alternative Owner-Builder".  Do a search on it and check it out.  Basically, one can get a permit to build a shelter for one's own use without meeting code except for tempered glass requirements and fire safety of any heating appliances, IIRC.  Under this section one may even move in before final inspection.  This sounds really good, but few people actually use it in practice.  Humboldt County is WAY behind on code enforcement and building inspection and so people are basically building what they want away for towns.  They say it is much easier to just do it than to get an appointment from the County.  The Alternative Owner-Builder section has been mostly used to build high end structures and bypass the code.  Sad...
                 
                Land is also very expensive in Humboldt County.
                 
                Mendocino County, California has a similar section in their building codes.  It is also expensive.
                 
                These alternative methods of compliance are available to view at the County's websites.
                 
                Some counties in New Mexico don't have building codes in rural areas.  This land is relatively cheap.  Why not move to where you might find kindred spirit.
                 
                You don't get a 800 credit score by being a slouch.  You will prevail eventually.
                 
                Good luck,
                -Bob Korves
                 
                 
                Usually
                ----- Original Message -----
                Sent: Tuesday, January 09, 2007 2:36 PM
                Subject: [smallhousesocietyonline] HELP with small houses!!

                Hello Everyone,
                 
                     Let me go ahead and apologize, right now, for my very forward and brash e-mail.  This is the first time I am writing to the group, and I must admit that I have thrown all of my pride out the window, and I come to you all begging and pleading!!  I will try to make this very long story, short, and get to the point - but, just a little bit of background, first...
                     My intention is to build two, 160 square-foot houses (one for myself, and one for my mother, right next door) - I have spent the past 5-6 months trying to find a lot where I can put these houses, and trying to get financing to build them.  After these 5-6 months of working on all of this more than a full-time job, I am still completely empty handed. 
                     As for the financing, although I have a credit score of 800 and not one penny of debt, t! he lending organizations still don't want to touch me because what I'm doing is too un-traditional for them, and they don't want to risk it.
                     As for finding a lot, if there is something I can afford, it's in the most crime infested area of the city - or, if there is a nice lot somewhere, it goes for about $75K for 1/2 an acre, and I'm not going to (I'm not able to) pay that amount of money, for that amount of land.  As if all of this were not bad enough, you can't imagine the obstacles that are put up as far as zoning and codes.
                     Having these two houses for my mother and I has been a dream of mine for at least the past five years - I have to admit that I was either completely naive, and/or completely stupid - I thought it would be no problem, at all, making this happen - I thought people would be thrilled  that some of us didn't have a need for a huge house, or a need to have a bunch of land sitting around just for show - how wrong I was.
                     So, before I go off on a tangent, let me reel myself back in and stick to my point, which is this:  HELP!!!!  I have always considered myself to be a very resourceful person, but I must say that I am completely out of ideas - I have tried absolutely everything I know to try, and I still have nothing.  I write this to you all to ask for any help, whatsoever, anyone can give me - advice, feedback, comments, ideas, suggestions, etc... anything.  I am wanting to set up these houses in the Chattanooga, Tennessee area, so if anyone knows someone in that specific area who can help me, that would be wonderful. 
                     Allright, I don't ask for much, do I??!!  Again, I'm sorry to be so in-your-face with this, but I don't want to have to give up my dream of my mother and I living in these houses, but right now, that is what reality looks like for me - hopefully, you all can change that around for me (no pressure there, eh?!). 
                     Thank you very much for any time and attention you spend on this matter, and thank you very much for even reading this long, babbling e-mail.  I sure hope to hear from some of you.  
                 
                     Thank you, again -
                     Be Well -
                     Dani T'Wanda
                 
                P.S. - you can either reach me through the group or, if you prefer, feel free to call me on my cell phone at any time - (919) 523-7243. 

                ____________ _________ _________ _________ _________ __
                Do You Yahoo!?
                Tired of spam? Yahoo! Mail has the best spam protection around
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              • Bob Korves
                Look at this site. http://www.instantmobilehouse.com/imh/models.htm There are at least several other manufacturers building similar houses. These buildings
                Message 7 of 9 , Jan 10, 2007
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                  Look at this site.
                   
                   
                  There are at least several other manufacturers building similar houses.  These buildings are registered as recreational vehicles and are exempt from city building codes and planning departments.  The manufacturer states that legal documentation is included.  Look at this part of the site
                   
                   
                  which I have copied below.
                  -----------------------------------
                   

                  Cash Reward

                  For all you local building counter personnel, that say no before you even know what the project is or the fact that it is legal and encouraged by the federal government and state department excuse us for solving the housing crisis in America.

                  Attention Customers… We will provide legal documents in advance allowing you to legally possess and implement our product.

                  If you approach any local building department and are denied the use of this product and record them on audiotape we will give you a $1,000 cash reward, redeemable at point of purchase.

                  If you approach any local building department and are denied the use of this product and record them on videotape we will give you a $3,000 cash reward, redeemable at point of purchase.

                  All tapes will be forwarded to the U.S. Depart of Housing and Urban Development Washington D.C. and the Department of Housing and Community Development for the state in which you reside.

                  ---------------------
                   
                  Interesting...
                   
                  These houses are mostly a bit larger than the 120 square feet you noted, but are still pretty tiny.  Financing is available and these companies will, for a price, obtain permits for you and arrange set up of the building.
                   
                  I do understand that cities can disallow persons living in recreational vehicles, which would be a problem.  Homeowners associations can also set up rules and covenants that are pretty bulletproof.  Caveat Emptor!!!
                  -Bob Korves
                  p.s.  I have no connection with this product or any other building product.  Just passing info along...
                   
                  ----- Original Message -----
                  Sent: Tuesday, January 09, 2007 2:36 PM
                  Subject: [smallhousesocietyonline] HELP with small houses!!

                  Hello Everyone,
                   
                       Let me go ahead and apologize, right now, for my very forward and brash e-mail.  This is the first time I am writing to the group, and I must admit that I have thrown all of my pride out the window, and I come to you all begging and pleading!!  I will try to make this very long story, short, and get to the point - but, just a little bit of background, first...
                       My intention is to build two, 160 square-foot houses (one for myself, and one for my mother, right next door) - I have spent the past 5-6 months trying to find a lot where I can put these houses, and trying to get financing to build them.  After these 5-6 months of working on all of this more than a full-time job, I am still completely empty handed. 
                       As for the financing, although I have a credit score of 800 and not one penny of debt, t! he lending organizations still don't want to touch me because what I'm doing is too un-traditional for them, and they don't want to risk it.
                       As for finding a lot, if there is something I can afford, it's in the most crime infested area of the city - or, if there is a nice lot somewhere, it goes for about $75K for 1/2 an acre, and I'm not going to (I'm not able to) pay that amount of money, for that amount of land.  As if all of this were not bad enough, you can't imagine the obstacles that are put up as far as zoning and codes.
                       Having these two houses for my mother and I has been a dream of mine for at least the past five years - I have to admit that I was either completely naive, and/or completely stupid - I thought it would be no problem, at all, making this happen - I thought people would be thrilled  that some of us didn't have a need for a huge house, or a need to have a bunch of land sitting around just for show - how wrong I was.
                       So, before I go off on a tangent, let me reel myself back in and stick to my point, which is this:  HELP!!!!  I have always considered myself to be a very resourceful person, but I must say that I am completely out of ideas - I have tried absolutely everything I know to try, and I still have nothing.  I write this to you all to ask for any help, whatsoever, anyone can give me - advice, feedback, comments, ideas, suggestions, etc... anything.  I am wanting to set up these houses in the Chattanooga, Tennessee area, so if anyone knows someone in that specific area who can help me, that would be wonderful. 
                       Allright, I don't ask for much, do I??!!  Again, I'm sorry to be so in-your-face with this, but I don't want to have to give up my dream of my mother and I living in these houses, but right now, that is what reality looks like for me - hopefully, you all can change that around for me (no pressure there, eh?!). 
                       Thank you very much for any time and attention you spend on this matter, and thank you very much for even reading this long, babbling e-mail.  I sure hope to hear from some of you.  
                   
                       Thank you, again -
                       Be Well -
                       Dani T'Wanda
                   
                  P.S. - you can either reach me through the group or, if you prefer, feel free to call me on my cell phone at any time - (919) 523-7243. 

                  ____________ _________ _________ _________ _________ __
                  Do You Yahoo!?
                  Tired of spam? Yahoo! Mail has the best spam protection around
                  http://mail. yahoo.com

                • Sherman
                  Have you looked for non-conventional sources of financing? For example, if you are willing to pay slightly higher than market rate, you may be able to find an
                  Message 8 of 9 , Jan 10, 2007
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                    Have you looked for non-conventional sources of financing?

                    For example, if you are willing to pay slightly higher than market
                    rate, you may be able to find an individual who is willing to loan you
                    the money, especially considering your excellent FICO score.

                    As an example, years ago my mother held a second mortgage on a
                    business she sold. The interest rate was very good but then rates
                    went down and the new owners refinanced and paid her off. She was
                    looking for a way to get a relatively high return that wouldn't be too
                    risky. She loaned some of the money to a guy who was buying some
                    land. IIRC, he put 10% down and my mom loaned him the remaining 90%.
                    I think she made about 10% interest which wasn't unusual for a loan
                    for raw land but was much higher than prevailing money market or bond
                    rates.

                    Just a thought.

                    Another idea would be a small local bank. My place is very unusual in
                    that I have quite a bit of land (for Maryland anyway) but the house is
                    a small log cabin. I originally had owner financing, but when I
                    wanted to pay the previous owners off, I had a hard time getting a
                    conventional mortgage. I ended up getting a 'balloon loan' from a
                    local bank that held some of their mortgages in-house (as opposed to
                    'bundling' and selling them).

                    Sherman
                  • imsagemark
                    Not to give in to the finance company, consider making a larger floor plan, say 20x20. Join the two w/ a covered walk way thus making them one unit. You now
                    Message 9 of 9 , Jan 19, 2007
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                      Not to give in to the finance company, consider making a larger floor
                      plan, say 20x20. Join the two w/ a covered walk way thus making them
                      one unit. You now have a larger, more enjoyable and more realistic
                      living area that would qualify for financing. I live in a 780sq home
                      with my wife and 13 year old daughter and we are very comfortable.
                      I think 150sg is a little small and wouldn't want my mother to live
                      the last of her days in her coffin. I think for longevity and mental
                      stability more space is needed. I applaud you for realizing the
                      necessity for a smaller, manageable, domaine and good intentions for
                      securing the future for yours and your mothers needs.
                      I believe my wife and I could live comfortably in half the house we
                      have. I am wanting to build a smaller house in the back, add a court
                      yard between the two with a very small community pool and jacuzzi and
                      rent out the front house to pay for the mortgage. Our codes allow
                      for a mother-in-law dwelling, and are progressively changing to allow
                      for saturation. Many homes in our area are small homes on big lots
                      which allows alot of people to take advantage of this option.
                      My wife and I are both disabled. We find it would be difficult to
                      manage a larger home. A smart floor plan would allow the home to be
                      very functional. With technology getting smaller and smarter, so
                      should our homes. Tank less water heaters, flat screens,
                      washer/dryer combos. Wireless options for doorbells, thermostats,
                      Internet, laptops, telephones. All make the reduction of space more
                      viable.
                      I have a bathroom concept that includes a steam room, dry sauna,
                      multijet shower, sink, exhaust fan, vanity mirror with storage behind
                      it, and a toilet, in a 4x4 room.
                      Dry storage will be built into the floor for seasonal clothing, food
                      stock, chemicals and tools. All stuff you need, but not all the
                      time, tucked away, out of site and out of mind.
                      Here is our little home. The garage provides an additional 240sq but
                      I do not plan on converting it.
                      We bought the home for $35k 14yrs ago and I believe we could get
                      close to $100k if we put it on the market today.

                      <img
                      src="http://img155.imageshack.us/img155/9578/winterhomedx5.jpg">



                      --- In smallhousesocietyonline@yahoogroups.com, "Bob Korves"
                      <bkorves@...> wrote:
                      >
                      > It should be a basic human right to build your own shelter for your
                      own (and your family's) use on your own land. I think this right is
                      more basic and ancient than free speech and the right to defend
                      oneself.
                      >
                      > That said, it is not your right to expect other people to support
                      your choices. It is not your right to expect financing, insurance,
                      or the ability so sell this personal shelter to another if it doesn't
                      meet socially agreed upon standards or commonly held values.
                      >
                      > In Humboldt County, California they have added to the building
                      codes a category called "Alternative Owner-Builder". Do a search on
                      it and check it out. Basically, one can get a permit to build a
                      shelter for one's own use without meeting code except for tempered
                      glass requirements and fire safety of any heating appliances, IIRC.
                      Under this section one may even move in before final inspection.
                      This sounds really good, but few people actually use it in practice.
                      Humboldt County is WAY behind on code enforcement and building
                      inspection and so people are basically building what they want away
                      for towns. They say it is much easier to just do it than to get an
                      appointment from the County. The Alternative Owner-Builder section
                      has been mostly used to build high end structures and bypass the
                      code. Sad...
                      >
                      > Land is also very expensive in Humboldt County.
                      >
                      > Mendocino County, California has a similar section in their
                      building codes. It is also expensive.
                      >
                      > These alternative methods of compliance are available to view at
                      the County's websites.
                      >
                      > Some counties in New Mexico don't have building codes in rural
                      areas. This land is relatively cheap. Why not move to where you
                      might find kindred spirit.
                      >
                      > You don't get a 800 credit score by being a slouch. You will
                      prevail eventually.
                      >
                      > Good luck,
                      > -Bob Korves
                      >
                      >
                      > Usually
                      > ----- Original Message -----
                      > From: Dani TWanda
                      > To: smallhousesocietyonline@yahoogroups.com
                      > Sent: Tuesday, January 09, 2007 2:36 PM
                      > Subject: [smallhousesocietyonline] HELP with small houses!!
                      >
                      >
                      >
                      > Hello Everyone,
                      >
                      > Let me go ahead and apologize, right now, for my very
                      forward and brash e-mail. This is the first time I am writing to the
                      group, and I must admit that I have thrown all of my pride out the
                      window, and I come to you all begging and pleading!! I will try to
                      make this very long story, short, and get to the point - but, just a
                      little bit of background, first...
                      > My intention is to build two, 160 square-foot houses (one
                      for myself, and one for my mother, right next door) - I have spent
                      the past 5-6 months trying to find a lot where I can put these
                      houses, and trying to get financing to build them. After these 5-6
                      months of working on all of this more than a full-time job, I am
                      still completely empty handed.
                      > As for the financing, although I have a credit score of 800
                      and not one penny of debt, t! he lending organizations still don't
                      want to touch me because what I'm doing is too un-traditional for
                      them, and they don't want to risk it.
                      > As for finding a lot, if there is something I can afford,
                      it's in the most crime infested area of the city - or, if there is a
                      nice lot somewhere, it goes for about $75K for 1/2 an acre, and I'm
                      not going to (I'm not able to) pay that amount of money, for that
                      amount of land. As if all of this were not bad enough, you can't
                      imagine the obstacles that are put up as far as zoning and codes.
                      > Having these two houses for my mother and I has been a dream
                      of mine for at least the past five years - I have to admit that I was
                      either completely naive, and/or completely stupid - I thought it
                      would be no problem, at all, making this happen - I thought people
                      would be thrilled that some of us didn't have a need for a huge
                      house, or a need to have a bunch of land sitting around just for
                      show - how wrong I was.
                      > So, before I go off on a tangent, let me reel myself back in
                      and stick to my point, which is this: HELP!!!! I have always
                      considered myself to be a very resourceful person, but I must say
                      that I am completely out of ideas - I have tried absolutely
                      everything I know to try, and I still have nothing. I write this to
                      you all to ask for any help, whatsoever, anyone can give me - advice,
                      feedback, comments, ideas, suggestions, etc... anything. I am
                      wanting to set up these houses in the Chattanooga, Tennessee area, so
                      if anyone knows someone in that specific area who can help me, that
                      would be wonderful.
                      > Allright, I don't ask for much, do I??!! Again, I'm sorry
                      to be so in-your-face with this, but I don't want to have to give up
                      my dream of my mother and I living in these houses, but right now,
                      that is what reality looks like for me - hopefully, you all can
                      change that around for me (no pressure there, eh?!).
                      > Thank you very much for any time and attention you spend on
                      this matter, and thank you very much for even reading this long,
                      babbling e-mail. I sure hope to hear from some of you.
                      >
                      > Thank you, again -
                      > Be Well -
                      > Dani T'Wanda
                      >
                      > P.S. - you can either reach me through the group or, if you
                      prefer, feel free to call me on my cell phone at any time - (919) 523-
                      7243.
                      > __________________________________________________
                      > Do You Yahoo!?
                      > Tired of spam? Yahoo! Mail has the best spam protection around
                      > http://mail.yahoo.com
                      >
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