My loan terms are so horrible it should be a crime-- but I was a young knucklehead and went in thinking I could refi later:Purchase price: 95,00080,000 first @9.75%15,000 second @ 13.5 %I've worked my tail off and paid off the second...

I got a horrible rate an $8k lender credit at closing, paid $150/mo extra for 6 months thanks to the horrible rate, and IRRRL closing costs to get a killer permanent rate not unlike yours were about $2000. ($8000 - [$150*6] - $2000) = $5100 ahead + a rate unobtainable on a purchase mortgage.

When you get a lousy deal, creative finance and leverage can make it a truly horrible deal.Now, if you love the new place and want to build your life around it, then by all means, make sure to get it, love it, and live it.

Communication has been horrible but the rent checks were coming in.

Buying in an HOA neighborhood essentially means you are becoming business partners with your neighbors, which can be great or horrible. 

I think 2 things are true at once; he did a horrible job and doesn't deserve the full $8k, and nothing in the contract was really broken.

As I read this story, I can't help but think of how often bad tenants are "forgiven" as an incentive for them to willfully move from a property, only for them to apply for their next rental and get approved because there are no collections/judgements on their record warning future landlords of how horrible they are, and thus the cycle continues...

Not a chance in hell.......I see 2 options......(1) Belt sand it down, re-stain and seal it...... charge a reasonable fee for that..... probably $300-500 max(2) Charge them $300-500 for the damage, but replace all of the counters with better materials and eat the cost now, but prevent the issue again in the future..... horrible counter tops for the main sectio in a kitchen..

@Jay Hinrichs This was another thing that bothered me when listening to the podcast...being from South Louisiana, something without AC is a horrible experience.

I'm just horrible with networking 🤣