Today is the last day of my medical break after surgery. It's officially been 6 weeks since I was sliced open and I am considered fully healed. I feel good and am ready to return to work. With everything going on with these stupid neighbors, I'm actually looking forward to going back to work. I'm hoping that when I'm not in my home, feeling trapped, all day maybe i can STOP thinking about these stupid people and this fucked up situation, even for just a few hours a day.
Speaking of neighbors and this stupid situation...I think we have a long term solution figured out and things are moving forward. My mother in law is getting up there in age and owns her home, just a mile down the road from mine. It's a 3 bedroom home with a basement. She's a single woman who lives alone with her cat (I'll have to tell the story of her and this cat sometime, it's adorable). She has been telling my husband for years that she's ready to start downsizing, the upkeep on the house is getting to be too much for her. She's had a knee replacement, I think both hips replaced, her body is not in any condition to be raking leaves or shoveling snow any longer. Well after we were forced to move back home from that other rental, we started looking for another solution. Besides the neighbors and this stupid shared driveway, we're over the house. Yes it is my home, I married here, I was pregnant here, I brought my son home to this house. We've lived and loved for almost 14 years in this house. But it doesn't fit anymore. It's too big, much bigger than we need. And we don't have any yard to speak of, which is a nuisance. It's a small yard, not nothing, just too small to enjoy. When I was a young mom and had a baby to follow around, it was perfect. Now I have a 9 year old who needs more room. There are only 3 of us, but it's an 1800 Sq Ft 4 bedroom 2 bath house, with a full basement. And my husband needs a garage. I have a list of furniture I'm waiting for him to build me, he has all the tools, but not the room. Building furniture in the basement complicates things. So my mother in law offered us whatever help she could to get us out of this house. First we asked her to purchase an investment property (She has the money and credit to do so) and let us move into it. That way we could rent it from her and have a place to stay, while working on improving the property to sell for her to make a profit on when the time came for us to move on. She readily agreed and immediately made an appointment at the bank to speak with someone about how to go about it. My husband and I actually have excellent credit, both of our scores are over 770. I bust my butt to keep our credit scores high. But unfortunately he lost his job last week and my income alone is not enough to get us approved for anything. Which is why we asked for her help, because if she was our landlord we won't need credit and job checks. My husband finding work will not be a problem at all, but no one will finance you unless you've been at a job for a set amount of time, which we don't have. We want out of this house and to put it up for sale while the peak in the market is still hot. So after some discussion with the bank there were a few options put on the table.
One option was that my mother in law could take a second mortgage on her home (Almost paid off) and finance a loan for a house, but there were rules that required she live there so it wasn't really an option. We aren't asking her to reach into her retirement and pay for a home in cash, so we looked at other option. One being she move into a smaller place in her effort to downsize, and we move into her home. We all let that sit for a couple weeks and after some discussion decided that, if she was ready, this was the way to go. It stopped anyone from having to take nay type of financing. It moves her forward in her effort to downsize, while not getting rid of her house. It allows us out of our place and puts s into a home we know the history of. So she started looking for places that would fit her needs, and that's where we were. So my mother in law called my husband yesterday and said she'd found a duplex that she wanted to go have a look at, so they went. By the time he came home he was saying she had already filled out an application, and I don't see a reason her application would be denied. We had a realtor come look at our home last week and he sees no reason we shouldn't be able to expect an offer to at least allow us to break even, we'll meet with him again Wednesday to discuss the CMA he did for us.
So....my mother in law is probably soon moving into a duplex and we will be moving into her home. This will give us some time to figure out our next move (We'd like to leave Michigan), and give her a chance to try living somewhere smaller while still giving her the option to keep her home to come back to her home if after some time she decides she doesn't like the downsized place. I am very, very grateful that she is willing to help us and that instead of it just being a benefit to us it's a benefit to her as well. She doesn't have to sell her home, or put in strangers as renters.
I can't wait. I can't wait to get out of this house. I'm over it. There are more stories too long too tell that have to do with being lied to and let down by another neighbor a couple houses down over this whole situation. Someone we have considered family for the last 13 years and she just turned her back on us without thinking twice about it. After that, it's not just my house I've outgrown. My neighborhood is broken. It doesn't feel like a little neighborhood family anymore like it always did before. Add up all the reasons and it's time to move on and I'm so grateful that my mother in law is willing to help and provide us this option. It's so perfect, keeping us in the same area so that the 9 year old can stay at the same school. No need for employment checks to worry about. It's a smaller home, with a garage, and NO SHARED DRIVEWAY. Fenced in back yard and on a side street. It's close enough that my son may even be able to ride his bike to school since there are no major roadways to cross. And one big change I'm looking forward to it leaving my son home alone. He's a relatively mature 9 year old and I actually believe he is capable of being left home alone, for short periods of time. For instance if he gets out of school at 3:30 and goes home, and I don't get home until 5:30 or 6, I'd be okay with him being home alone. The law in our state doesn't dictate a specific age which means he's legally allowed and I'm confident he's responsible enough for a short time. However with these people next door harassing and threatening us, I never felt safe trying it. I don't like the idea that they might know he's here alone, and since I have caught them doing it I know they spy on my house. We just never felt like it was a good time to try it. But now I think we will be able to.
Lots of changes happening, and hubby is on the lookout for work. 2 moves happening soon, by the time I get back to work tomorrow the Christmas season will have already started and that will mean busy all the time. I've been fighting off this major depression that has been creeping in because of this living situation since last September when it all started. I am so much looking forward to being able to feel relaxed in my own home, and garden and use my yard again. Things are finally starting to look up!