New Member, St. Charles/St. Louis, MO Area

[Clint E.]

Hey BP, new member here but a longtime lurker. I have a full-time day job and do real-estate on the side. I live in St. Charles, MO and have been getting into real estate more and more as time goes by.

I have my personal house I bought almost 4 years ago. I bought it when the market was down and so were the interest rates (3.125% on 30 year mortgage!). I have redone the master bath by putting in a pocket door, subway tile shower, new floor, can light, cabinet, everything really. I also did the kitchen - cabinets, floors, paint, fan, countertops, appliances, backsplash. The landscaping needed work too, I removed scraggly and overgrown bushes/trees, put in two block walls, a patio privacy fence, lots of work on the grass. It's come a long way. Here's a few pics:

A year ago I bought my first rental (commercial mortgage through and LLC). I have learned a lot. Upon closing, insurance said it needed a new roof or they wouldn't insure it - damn, $2200 spent right off the bat! Then this summer the AC started acting up. The unit is really old and needed replaced. After some half-assed, yet still expensive repairs, I got a home warranty. When it went out again, the warranty company actually put in a new compressor. And the renters, I got them with the house, they have been there a while and are very "interesting" people. Anyway it has a mother-in-law house I am fixing up. It needed way more work than I thought it would and cost way more than I thought too! (Learning!) When it is fixed up and rented, it will become a very nice property for me. I have pics but it's all ugly demo pics and not completely finished pics.

Future plans are to keep building my portfolio, possibly using FHA strategies, or possibly commercial.

Anyways I thought I'd get on here and say hi to everyone here. This place has great conversations and information. Feel free to ask any questions or give any feedback! Thanks BP!