Day 620 - Apartment Build | Part 3

PPO3 is supported by Timber King sawmills. For more information on my 1220 CRZ mill or one of many fully hydraulic options, go to timberking.com. Couple of videos ago, I mentioned that I was going to the bank to get the to get the L word. a loan. I am have always been kind of a debt-free type of a person and I just didn't want to get a loan. However, getting a $10,000 loan would allow us to accelerate getting the the apartment installed and uh getting out of the elements um before the cold of winter before the cold of winter really set in. So, $10,000 would allow us to uh get the entire apartment built in about about 2 weeks probably. Well, here we are 2 and 1/2 weeks and we're I'd say at the 50 50% uh mark as far as getting it done and we're kind of at a pause. So, $10,000 um is what we would need to do the apartment plus a wood burning stove of some kind. That could probably happen, but that's not what happened. So, we go to the bank to get a loan and we have two options. We can have some collateral and it'll have a lower interest rate or a no collateral personal loan for a higher interest rate. So, all right. Well, we have the land. It's it's free and clear. No lean on the land so we can uh use it as collateral. It's worth well more than $10,000, which is what we wanted. So, uh we discussed putting the land up as collateral, and that required a commercial appraisal because there's no residential structure on this property. It has to have a commercial appraisal and there's all kinds of resources on it. So, I say, "Okay, well, how long would that take to happen?" Well, it's about 4 weeks. H that really throws our throws a wrench in our timeline. We want to get this done sooner rather than later. So, all right. Well, four weeks. How much would that cost? Well, a commercial appraisal would be about $800 of money we'd never see again. It just be gone. That doesn't really make much sense. We're going to pay off this loan early anyway. So, let's let's uh let's crunch the numbers on a personal loan. No collateral, but a little bit higher interest rate. So, uh I think we were told like 8% for a personal loan, $10,000 for five a fiveyear term. And I was like, okay, well, all this works, so let's get the ball rolling. And she says, "Well, the next day she responds and says,"We need uh your tax returns for past couple years." "Sure, no problem. Give you give them my tax returns." And then, "Oh, we'll have an answer in the morning." And then that was on a Thursday. Oh, well, Friday rolls around, we'll have an answer on Monday. Monday rolls around, still didn't get any answer. Tuesday rolls around, didn't get an answer. Wednesday, we we call back up there. Jamie calls back up there and says, "Listen, we need an answer." And she's like, "Okay, well, let me look real quick." So, she had the information the whole time, but never contacted us back. And here's your answer. No, we're not going to give you a $10,000 personal loan. I'm like, really? That's crazy. I have a 795 credit score. I think that's good. We have We have a gas card that we just put all of our gas on and then it automatically pays itself off every single month and we just keep up with it in a spreadsheet. So, it's like doesn't really matter, but I guess it helps the credit score. Sure. Um, so you denied us a $10,000 loan and we've had all of our banking with you for over a decade. You could see all of our financials if you want. Um, okay. That's weird. But it's even weirder because they counter offered. And I I thought a counter offer on a loan. I guess that's my um my inexperience with loans. I didn't know that they would counter offer a loan when you're requesting a certain amount of money. So, they denied our $10,000 loan request and then said, "We will give you a $5,800 loan for three years instead of f instead of five and also instead of 10,000." And I'm like, "What? That's that's kind of strange. That won't fund everything what we need to do, but that's really kind of strange." Well, at this this point, Jaime's already furious with the customer service because we're we're trying to, you know, trying to get the ball rolling on this and you were sitting on this information for how many days and refu and and just forgot about us to call us back or whatever. So, she says, "No, we're going to do this on our own." And I thought, "Yeah, we're going to do this on our own." We talked about it. And so, what we did is we pulled from our emergency fund. And we didn't completely wipe it out, but we're getting close. Um, so we pulled from emergency fund to buy everything that we have so far on the uh on the apartment. And now we're at a point where we're really close to being able to actually move out of the camper and get into the apartment, but not quite there yet. I want to at least buy insulation, which is another 500 bucks. And in the grand scheme of things, that's not a lot of money. Um, but we're still trying to be as financially disciplined as possible with this. And we've already decided to not take out a loan. So, now we're just going to um pay for it as we go, I guess you could say. We've got to pay ourselves back that initial amount out of our emergency fund. Um, which shouldn't be an issue next month. And whenever this thing gets done, it'll get done. It's a little bit slower than normal, but hey, you know what? That's like that's like the theme of the past year and a half. Everything just takes a little bit longer than normal when you're being financially responsible. I think so. Anyway, and uh you know, do things as you can and it is what it is. We uh Jamie's been talking to some friends and family and people at church and they're like, "So you so you don't even have a toilet right now? You don't have running water?" Like, "No, we're boiling water for dishes and using a 5gallon bucket." Although I I did just get the toilet installed thankfully. Uh so yeah, it's it's just, you know, lifestyle change. Basically, anything in life that's that has some type of a challenge to it is most likely worth it, you know. So anyway, that was a super long intro. Uh today I am not inside in the apartment working. Instead, I got I'm going to run the sawmill for quite a bit. I've got a bunch of stuff that still needs to happen outside. I got to get rid of these 10ft logs. This log bunk that I stuck in the worst possible spot and it's in my way for getting these pipes underground off the gutters. Also, I have somebody local who wants a bunch more rustic pine. Uh pine that's been damaged by beetles and I've got a ton of it. So, let's go ahead and get some stuff cut up. Give him a ring and get some of this stuff sold so we can continue on and keep funding this apartment. Life continues and life is great. Heat up here. Heat. Heat. Heat. Heat. Heat up here. Heat up here. Let me jump in with a quick note about some comfortable boots from Brunt. This is the Bulldock boot from Brunt. It's a, as you can see, a no lace slip-on boot, which is very handy when you're out in the mud and you got to get these muddy, dirty boots off real fast to jump inside. Uh, this is a a boot that comes in a waterproof variety. This is waterproof. This is soft toe. You can get it with or without waterproof. You can get it hard to, soft toe. Uh, the sole, Whoa, don't fall. The sole is oil and slip resistant and it is heat resistant to 575°. It's really soft. It's a nice soft sole. Comes with two different insoles inside it. And if you have a wider foot like I do, you can remove the lower insole on the inside to accommodate a wider foot. And uh how do you know if you're going to like them? Well, you can try them. Brunt says to try them on the job site, not just walking around in your nice clean living room and making sure that I think these I think these will do the job out on the job site. Wear them on the job site and if you don't like them, you can still return them. That's pretty darn cool. I have a coupon code that you can use to save you a little bit of money on your first purchase and a link that you can click on as well. All that's down in the description. Thank you to Brunt for supporting this video. And uh I did not fall over, so that's a win. I'm gonna show up. And that board might hit that ladder. Just letting you know. >> Uh it might When you're over the top, come forward a few feet. Watch that stick on the left side. >> I'm going forward. >> All right. >> Ever so flat. Yeah, it's it's high on the pedal. Yeah. >> Oh, no. >> That's good. All right, I guess this is the uh before shot of how messed up and disorganized everything is. Uh we're about to start moving some stuff around and get some stuff stored up here. And the water heater is going to go right there. I just got it up here. Uh Nathan came over and give me a hand, which is super awesome and appreciated. Uh, but the water heater is going to be right next to there and I'll strap it into the pllin or something like that. It's It shouldn't go anywhere obviously. It's this is stationary just sitting here. Now, uh, to address this, some people have mentioned, why are you are you sure you want the water heater upstairs about leaks and whatnot? Isn't that kind of crazy? Well, here in Mississippi, uh, this is extremely common on new construction to put the water heater upstairs. we don't really have to worry about freezing, you know, the attic getting super cold and freezing. Uh, so it's not really a huge concern putting them upstairs. Um, and also you put them inside these drain pans and make sure that the drain pan is plumbed. Then you shouldn't have any issues with water leaking elsewhere around here. And on this one, um, typically, well, I'm going to try this, but typically what you see is this PVC out right here. uh that typically goes into a tee and then the drain goes obviously elsewhere, but the top part of the tee goes into the uh pressure relief valve right here. So, you plum this in to the top side of that drain on the tee and um that'll stop any leaks and whatnot from actually damaging something, but you'll still be able to hear the water going through it to say, "Hey, something's leaking, you know." Uh but I'm not concerned at all about this being up here. Actually, I want it up here cuz heat rises. So, as warm as it is up here, uh that's less work that the water heater is going to have to do if we stored that say downstairs inside the bathroom, which would also take up a bunch of space. >> Yeah. Is a good little Christmas tree storage place. But now, you going to plum this so it can drain outside? >> Yeah. I got a behind that right there. Actually, gray water. >> Yeah, you got to cut this one off. I'm going to knock this dried flower dirt over here. Put this over here. Now you got it all. I can't reach anymore. >> There you are, sir. >> What else? All kinds of extra pipe. >> And down here some good. I caught a dog nude. So, >> this is probably enough to go. >> Oh, yeah. Oh, yeah. >> That's plenty for the planet. Hey, >> I had both of them ran off the same supply. >> Yeah, >> I'm converting the supply to hot water only. >> Okay, cool. >> So, now hot water is only going to go to the hot water hose. >> Okay. cold water. Once I run the blue pipe, this is going to connect back into the cold water. Are you being nosy trying to see what he's doing? Which one? >> Okay, what are we doing now? >> I have no idea how this is going to go. Are you the pitcher or the catch? >> Uh, I think I'm both for right now until I can get this going. We have a hole back here that I can reach in there and get it >> underneath the uh bathroom. >> Okay. Let me get my duper head. >> Well, you want to do this part and I'll do that crawling part. >> I don't care. >> Well, I don't It's going to be a little while before we even figure this figured out cuz I think Shoot. I think we're going to have to stretch this first. All right. Let's probably do. Okay. Uh, pull back to you about 10 ft. >> All right. Right there. Now spin at 180. It's not spinning. There we go. Keep whatever you keep going. Whatever you just did. >> Yeah, I know. >> One more tug. There you go. >> I got it. Okay. >> Got it. >> Good. >> Good. >> How far are you out? >> 2 ft. >> Uh, go back to where you needed to get to that tee. >> Right there. You at the tea? >> Yeah. >> All right, that's good. I'm going to leave it here and come back out. >> Okay. doing this. >> Inside of this back on the outside of this goes in like so like that. All right. Got the water heater. Uh, electricity is hooked up with the water heater and the supply and hot got zip tied over there all the way down. The pressure relief valve is kind of rigged up. I don't have enough stuff to get it really hooked up, but uh, this is just 3/4 going into 1 in going into the pan. The pan's going that way. I need to get the I need to get a uh sweep or an Sbend and also an adapter to go from 1 in to 3/4 and get all this tied up like that. And then that can be tied up into the sink drain down there. But my work up here is finished as far as hot water. All right. >> Whack the head. >> Yep. Don't bump the noggin. So, when I first ran water to the utility sink and to the washer and dryer, um the only color that the store had was red. So, I ran red line, which now that I have the water and I did not have hot water running through it at all. But now that we're hooking up the water heater, I'm swapping the lines. So, the line that's pre-existing I'm using for hot. And I'm running a new line for supply, which means I have to cut this and swap out the supply. And there'll be just a little bit of red, not that much. And then the red will actually be a return hotline for the bathroom, which is where I'm underneath. And I'm not ready to hook any of that that up. So, I'm going to cap this and then connect the dots with the blue. And then this needs to be cut right here. And we're going to drop a bunch of water, but that's okay. Yep. Yep. We're going to drop a bunch of water. >> Oh, we'll get a towel. >> No, we're good. We don't need a towel. >> Okay. >> It's not going to be that much. I'll just let it dry up. >> One less thing to Oh, they have our towels. I almost got into them. Is it recording? I have no idea. Okay. I can't see what's going on. All right. I want that just stays right there. All right. The main water coming through just needs to be attached to the All right. That one needs to be attached to the um whatchamacallit dog waterer. the automatic dog bowl. >> Yeah. >> And then we can turn the water on. And then we can turn the hot water heater. Actually, water heater. It's not a hot water heater. It's a water heater. I had two fittings leak on the top of the water heater. The uh Sharkbite fitting. Well, both of those are Sharkbite fittings. That's the second time I've had to use those particular fittings. Of course, I hooked up the water heater um 6 months ago, whenever it was when we had uh when I when I actually got it um knowing that we're going to do this apartment build in the future. So, I got one of those Sharkbite fittings. Uh the hoses that come off the top of the tank um and hooked it up the first time, no problems. But hooking it up today, they just leak. So, I I don't understand the point of reusable fittings if they're not reusable. Anyway, we're going to uh Kung Fu and then get some replacement parts for the plumbing. And then we found a really good deal on a tub. A freestanding tub for $125. Hasn't been used. Fiberglass with a faucet. Today's the day after Christmas and we're going to go do some tractor work training. Heat. Heat.