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this probably goes without saying, but the part of this process that i am MOST excited about is the decorating. it has long been my dream to design a place from scratch (though i’m learning that doing a place truly from scratch is actually quite stressful and, well, REALLY HARD. i commend you, designers), and the grand apartment is my first chance to design a home that really feels like me.

i’ve lived in my current apartment for six years now (an eternity in new york), so i guess you could say that it “feels like me.” as much as i love it, and as good as it’s been to me, it holds a lot of memories, and not all of them are good.

let’s back up a bit. a few months prior to moving into my current place, i went through a traumatic breakup with my college friends. in an instant, they cut the cord on me and our years together, and as a result, the cord on the apartment which we had all shared. they gave me a choice: move out and leave us, or we will leave you. what followed is a long, complicated, emotional story, but suffice it to say, the experience broke my heart. i’ve never had my heart broken in a romantic sense, but i think, in some ways, this experience was much, much worse. it was like 5 breakups in one. it was akin to someone stabbing a knife into my chest, tugging it down the breast bone and then yanking out my bloodied, still beating heart. and then stomping on it, repeatedly, on the sidewalks of new york city, while curious passerby watched, but did nothing.

the experience sent me home to massachusetts, into the sweltering humidity of mid-summertime new england and to a childhood bedroom in which i hadn’t spent longer than a few weeks since high school. for the first two weeks, i didn’t leave my bed. each morning, my mother would come into the room, wake me, and offer me breakfast. and each morning, i’d tell her i’d never felt so empty, that i didn’t believe i could ever get out of bed again, that life wasn’t worth living without my friends. i was 24, alone, and untethered, spinning aimlessly in the universe. or so i felt.

after a few weeks, i made it out of bed, and into a therapist’s office (god bless talk therapy, amirite?). after a few more, i made it to main street, where i sat at a coffee shop with an old high school friend and attempted to carry on a “normal” conversation.

after two months, it was decided that i should go back to new york. a good part of me, probably close to 95%, was convinced i could never set foot in the city again. new york was ruined for me. i had failed. it wasn’t meant to be. i was small town, small time, not the brave big city girl i’d thought myself to be.

but my parents said no, that wasn’t true. my friends could take everything from me – but they couldn’t take new york.

and so back to the city i went. this time, i saw apartments on my own, not with the safety net of three best friends. i saw “one bedrooms” in the west village with bathtubs in the kitchen, and tiny roach infested studios in gramercy. i saw spaces so tiny i wasn’t sure i could fit my bed in them, let alone my entire life. the pickings were BEYOND slim.

so when my broker told me, gently, that in my price range, looking on my own, i wasn’t going to find even close to what i would get with a roommate, and suggested i look at a place in the very property i’d been kicked out of, i told her no. no way. i couldn’t live anywhere near those people. what if i ran into them on the street? what if i saw them in the supermarket, casually browsing cereal boxes in aisle 4?

so we saw more tiny places. and more five floor walkups. and eventually, i relented, and agreed to sign a lease just six blocks north of my old home.

it’s a funny place, new york city. you can live literally on someone’s doorstep, and never ever see them. we always assume that our ghosts will trail us, that we’ll find ourselves following their footsteps on the street, ducking into alleyways to avoid awkward confrontations. the reality couldn’t be further from the truth. most of the time, we don’t run into our ghosts; we see them once in a blue moon, if at all.

my particular ghosts moved out and moved on after just a year, and somehow, someway, i stayed. for six years.

i remember move-in day like it was yesterday. i’d convinced my friend caroline to live with me, and the apartment, a converted one bedroom, was supposed to have a wall dividing the living room and the newly created “2nd bedroom.” key phrase here being “supposed to.” because when we walked in, it was not there. no wall. just a giant, empty, open living room that echoed my cries of frustration, sending my tears bouncing off the walls and the cheap parquet floors.

it was raining (and by raining, i mean pouring) as my mother and i attempted to shuffle my life in boxes from a uhaul into the elevator, while hired “moving men” lifted my sofa and bed from truck to sidewalk.

i remember thinking, of course, of COURSE it has to rain today. of course there is no wall. of course nothing in my entire fucking life is going right, because WHAT ELSE COULD POSSIBLY GO WRONG? my life had already been torn apart at the seams. here i was, trying to rebuild, to start over all on my own, and here was the man upstairs, sending me a big fat fuck you.

i remember screaming into the empty room, at the management company on the phone, at my poor, beleaguered mother, who was trying oh so hard to keep it (and me) together. never let it be said that she is anything less than a saint.

all i had wanted, all i had asked for, was a goddamn wall. ONE wall. ONE thing to go right. one thing to signify that i wasn’t making the biggest mistake of my life in coming back to new york. one thing to signify that i was still worthy of happiness, of deserving anything good at all.

and i couldn’t even get a wall.

here’s what i could (and did) get: a mother who didn’t throw me out on the street. a mother who didn’t, despite my complete and total meltdown, disown me. a mother who took the phone out of my hand, and calmly arranged for the wall to be built the very next day.a mother who continued to move my boxes. a mother who helped me unpack every single one of those boxes until i felt some semblance of a life, what used to be my life, building itself back up around me.

it took months for me to walk around the streets near my apartment and not check my peripheral vision for my former friends. it took over a year for my newly developed severe anxiety to wane. and it took years – years – for the apartment i started over in to feel like home. to feel like a place that was mine, and not just a place where i’d sought shelter following the worst months of my life.

six years later, i can finally say that i am almost over it, if one can ever be over such a thing. slowly but surely, i rebuilt my life. i reconnected with old friends. i made new ones. i put time and effort into cultivating the relationships around me, and into making sense of the role i played in my dismissal from my friend group. i have, as they like to say in therapy, done the work.

somehow, i’ve come out the other side. i’m not the same girl i was six years ago, not even close. i’m stronger. braver. more independent. a little harder, even. and the apartment i live in now? parts of it – okay, a lot of it – feel like they belong to the old sarah. t0 24 year old sarah, a girl who was trying, and often, failing, to find her way in the world.

the sarah i am now…well, let’s just say mama deserves a new media console. i want this home, my grand apartment, my very own little corner of the sky, to feel like it’s mine. really, truly mine. and not the kind of mine i’ve been forced into, not the kind of mine i’ve created out of a sheer need to feel safe in the world. but the kind of mine that i’ve created out of the realization that i am, finally, pretty damn close to where i need to be. and that i got there all on my own.

you know what costs a lot of money? a gut renovation. you know where a gut renovation costs a SHITLOAD of money? in new york city, that’s where.

when i started this process, i had this idea that we would set a number in our brains of how much things could cost, and that would sort of be that. we’d find ways to magically save money, i’d stumble upon an amazing farmhouse sink (exhibit a, below) at the chelsea flea market, and things would just sort of fall into place.

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let me tell you, as far as i can tell, that is NOT how this thing’s going to go. in fact, despite what you (or at least, i) might think about being able to save money, there are no two ways around it: this shit is majorly f-ing expensive. like, are we dealing in monopoly money expensive.

i have received estimates from two different contractors, and not only were their bid documents WILDLY different, but so too were the estimates themselves. as in, there was a nearly 30k difference between the two (that alone should give you an idea of how crazily expensive this will be).

maybe it’s the avid HGTV watcher in me, but you know, when they do this sort of thing on TV, and something goes wrong, the contractor always seems to find a way to make up for it elsewhere in the budget. this sort of thing happens all the time, right? you look at the electrical panel and you say, hmm, that’s from 1932. that will need to be replaced. but you think, well, whatever, i’ll just buy a cheaper countertop. and on tv, that’s exactly what happens. the property brothers tear open a wall, and they realize that all the wiring is knob and tube and could basically set the house on fire if it’s not replaced. so they replace it all, and they tell the homeowners that it’s going to cost them 12,000 to do so. and that they have to give up the amazing gas fireplace installation that they were SO counting on, because, you know, they live in middle of nowhere canada (where most HGTV shows are filmed) and it’s COLD UP THERE.

eHs0SIddXxs.market_maxresthe homeowners are usually all, “noooo! we had our HEARTS set on that fireplace!” and the property brothers say, well, sometimes we have to make tough decisions, and then the show cuts to commercial. in real life, the homeowners would not get a fireplace. in fact, they’d prob have to give up their new tub too. but on tv, what happens is that, unbeknownst to the homeowners (but obviously broadcast to the viewers), the PB’s decide that they really want to make the homeowner’s fireplace dreams come true, and they secretly install a super fancy one so that when they film the big reveal the couple is all, “OMG YOU GUYS!” and then usually they cry.

my point in all this is that i kind of thought that when my contractors told me that all my electrical had to be redone and that it was going to cost a lot of money and i might not be able to knock down the wall between the entryway and the kitchen to make a breakfast bar, i didn’t really believe them. because in my head, i thought that maybe the property brothers were going to pop in and be all, “you know what sarah, we know that you realllllly want that breakfast bar, and we’re going to find a way to make it happen within your budget.”

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they ARE cute though, aren’t they?

sadly, tv is not real life. and the property brothers, cute as they may be, aren’t coming to save me, or my renovation, anytime soon.

in real life, you actually DO have to make the tough decisions. in my case, i have to make choices such as:

  • custom/semi-custom cabinetry (much more expensive, but also, way better and maybe a better investment) vs. ikea cabinetry (cheaper, but crappy quality)
  • recessed lighting ($$$) vs. some sort of weird under-cabinet + flush mount light situation ($-$$)
  • crown molding ($$) vs. no molding and therefore, less charm ($)
  • breakfast bar ($$$ but oh so amazing and OMG, open layout!) vs. no breakfast bar/keeping the galley kitchen ($ but ugh, galley kitchens)
  • new closets ($$$) vs. not enough closets ($)

all of these are, in my mind, tough choices. the hardest being the breakfast bar, which i really, really want, but which is also likely the greatest money saver should i choose not to do it.

the contractors have both been talking to me about “investment potential” and how it’s “better to do it now than later.” both of these sentiments are true and relevant. they are also expensive.

real talk (even when my heart doesn’t want to hear it): i do have a budget. that budget has a little wiggle room, because as unrealistic and green as i am in this process, i know that nothing ever costs what they say it will cost. but a budget exists. and i have to stick to it. and that hurts. i mean, WHO DOESN’T WANT A BREAKFAST BAR?

it would be helpful if i was just the tiniest bit handy, or could build literally ANYTHING on my own. which reminds me that in 7th grade, i was actually REALLY good at woodworking class, and that i made an entirely wooden car that still “drove” really fast, and a multi-sided photo box for my parents that they probably have buried in a box in my basement.

unfortunately, i am not just not handy, i’m also basically the world’s greatest idiot when it comes to ikea assembly, which means that even if i go for ikea cabinetry to try and cut costs, lord knows i’ll be paying people to put them together and install them.

the bottom line here is this: renovating things is expensive. renovating things in new york city is REALLY expensive. like, the kind of expensive where it hurts your soul and every dollar feels like someone shot a dagger straight into your heart. and even if i don’t want to admit it, 50% of my budget is going to go towards things i can’t see. like plumbing, and electrical, and subfloors. ouch.

the bright side? i’ll know that behind my freshly painted walls are some realllly fabulous, safe electrical wires that are prepared to handle all the gorgeous light fixtures i plan to install…

…that is, if i can find any in my budget.

 

 

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you know what has amazed me the MOST about this process? not how much money i’m forking over. not that i’m signing my name on 9 million pieces of paper.

that this process is so. effing. complicated. no one really reads this blog right now except a few of my (very dedicated) friends (hi guys! you’re the best), but maybe someday, someone will stumble upon this post, knee deep in the mortgage application process, and think, OMIGOD, I’M NOT ALONE.

so, without further adieu, here are 5 things no one tells you about the mortgage process.

  1. not all banks are created equal. this sounds like a “no duh” situation, so let me elaborate. when you initially set out on your mortgage journey, you’re likely working with a) a bank recommended to you by your broker (my situation) or b) a bank recommended to you by a friend who has been through this process before. here’s the thing, though. those two options are all well and good, but they’re not necessarily the options that will get you the very best rate. see, all banks set their own rates. and those rates change not just daily, but sometimes hourly. so at any given time, you may find yourself asking: am i going with the right bank? could i find a better deal somewhere else? banks are businesses, and just like any other business, they need to make money. so they want you to sign with them, because it means you’ll be paying them your quoted mortgage amount (principal) and THEN all the interest on top of it, over the next 30-odd years. in short: they can make some serious money off of you, so they’re going to talk up their services, and their rates, as much as they possibly can. that’s not to say they don’t have your best interests at heart – sometimes, they do – but for the most part, you need to do what you’d do in any other important situation: do your research, and trust your gut. and then ask a shit ton of questions.
  2. not all paperwork applies to you. as soon as you officially start the loan application process, banks are required by law to send a TON of forms your way. these are called “mortgage disclosures” and almost all of them are legal documents filled with completely confusing legal jargon. reading them, and trying to decipher their meaning, is like attempting to read a book in another language, and then being asked to write a book report on it. and here’s the kicker: though the government requires that the banks send you all this info, not all of it applies to you. as in, your set of loan disclosures might include 30 forms that say “sign and date and send back ASAP” – and yet, you may only ACTUALLY need to sign and date 4 of those 30. nowhere will it say this, you won’t know until you ask. my advice? as soon as you receive your loan disclosure forms, ask your mortgage broker for a list of which documents you MUST review, which ones you MUST sign, date and return, and which ones are purely for, you know, “pleasure” (because who doesn’t like to read legal documents in their space time?). 
  3. your pre-approval is not a guarantee. your pre-approval letter, which you’ll need to submit an offer on a home, is based on a few things, but mostly, the income you tell the bank you have, your monthly expenses, and your credit score. what no one tells you is that your pre-approval is just that: a PRE-approval. meaning, it does not dictate that you’ll ACTUALLY be approved. that will come later, once you’re bared your financial soul, had to account for every single late payment you’ve ever made, and basically promised the bank your first born child. it’s some epically biblical shit, you guys. i swear, i have never felt so self-conscious in my life. i feel like a fraud, like any minute now, someone’s going to tug the rug out from under me, i’m going to go flying, banana peel style, onto my butt, and they’re going to yell, “PSYCHE! YOU’RE NOT CUT OUT FOR THIS! YOU LOSE! NA NA NA POO POO!” your best path forward? to make sure you have all your ducks in a row, financially, before you apply. that means checking your retirement accounts, checking and savings accounts, paying off any remaining student loan debt and credit card debt (within reason, if possible), and basically, making sure you’re as financially sexy as possible so that the bank is all, WE WANT HER!
  4. you’re going to be terrified. this is sort of a continuation of the above, and also, sort of goes without saying, but all anyone has asked me since they heard the news has been, “are you SO EXCITED?!” and yes, i am SO EXCITED. i am also SO FUCKING TERRIFIED. maybe it’s buying in new york, maybe it’s buying a co-op, but there are still so many stages of this process that need to happen before i can even BEGIN to truly feel the excitement and the gravitas of what i’m doing. that’s not to say i’m not happy, but just that i feel, in equal measure, totally terrified. i’m scared what it could fall through. i’m scared of being rejected. i’m scared that it’ll be more money than i anticipate, and that i won’t be accurately prepared. i’m scared that i’ll do something wrong, or misunderstand a piece of paperwork (or, even worse, not understand it at ALL). while my parents (and in particular, my uncle, who is a business whiz) have been completely supportive and insanely helpful, they’re not here, sitting by my side, as i sift through all this paperwork and make big decisions that directly impact my future (and the future of my potential offspring, if i have them). i’m doing this, little old me, all on my own. and that is some scary shit.
  5. you’re not alone – and yet, you are. when i first started this process, i didn’t really realize just how many people i’d have on my team. there’s my real estate broker, eric, who went with me to open houses, sent me listings, helped me submit my offer and then a counter offer, is helping me put together my board package, and has generally been available to answer questions. then there’s andy, my lawyer, who worked with the seller’s attorney to review the draft contract, make revisions in my favor, and then walk me through the final version (which i signed to put the place in contract). then there’s doug, my mortgage broker (not to be confused with my real estate broker) at wells fargo, who has walked me through every single step of the loan application process, churned out dozens of pre-approval letters for me in record time, and has also been around to answer the 9 million seemingly innocuous questions that have been keeping me up at night. and that’s not all. there’s also doug’s assistant, amy, who, well, i’m not sure what she does. then there’s teresa, also at wells fargo, who works as a liaison between doug, who “sold” me the mortgage, and the unnamed underwriter, who is reviewing my application and will ultimately decide my destiny. and that’s just BUYING the place. there’s a whole other set of people assisting with the renovation. and yet, despite having all these people to talk to, and all these people to listen to, at the end of the day, it’s my decision. it’s my decision what type of loan i apply for. my decision that kind of tile i put in the bathroom. it’s my decision whether i pay to bust down a wall and open the place up, or save money and keep it as is. and that’s, you know, kind of a BFG (big fucking deal, for those not familiar). i wish someone had told me this: that despite all the help you’ll have, you’ll still be alone, at the end of the day, in your own head, just like you always are, trying to decide what’s right. since no one told me, i’m telling you. LEARN FROM ME, FRIENDS. SAVE YOURSELF. 

and there you have it: a long, rambling account of all the things i wish i’d known before i started this process.

the funny thing? despite how complicated this is, despite how stressed it has made me, despite how worried i am that something will fall through, i feel this underlying current of peace. this underlying sense that i can do this, no matter how hard it is. this underlying sense that at the end of the day, it’ll all be worth it. and that’s all anyone really needs, right? an underlying sense of peace?

now, if only i could apply that peace to, you know, the rest of my life.

eskayel office

see that gorgeousness above? it’s a shot of the eskayel office, a brooklyn-based company (right down the street from the famous peter luger steakhouse!) that creates the coolest, prettiest, most badass wallpapers, pillows, rugs, etc. i’ve ever seen.

i’ve waffled back and forth over the past few weeks as to what i want this apartment to be. call it “defining my design style” which is a stupid, silly term that resolutely proves that i watch WAY too much HGTV.

the world today, and especially, the internet today, is so over saturated with beautiful interiors that it’s hard to separate the “wow i love this” spaces from the “i want that to be MY home” spaces. i go back and forth between wanting california cool, a la amber lewis and chic neutrals, a la danielle moss. i have a feeling i’ll end up somewhere in between, with a space that’s grounded in neutrals, but accentuated by colorful textiles and art. and also, by this eskayel wallpaper, which i have been pining after since i saw it featured in taylor tomasi hill’s chelsea apartment years ago (see below).

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how BEAUTIFUL is that? it’s the sort of design detail that makes people stop and stare, that turns your apartment from a ho hum home into a kickass interior inspiration palace. eskayel founder and designer shanan campanaro takes familiar elements of nature – the sky, the ocean – and turns them into incredibly dreamy digitalized designs that almost look like oversized tie dye.

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i did some googling, and found this great interview she did with abc home a while back. it’s worth a read. i am so envious of the makers in this world – the true creatives. rebecca atwood is another amazing textile artist that i’ve been following for a few years (i was lucky to snag a few of her pillows at her spring sample sale, and felt instantly cooler as soon as i walked out of the studio space).

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eskayel’s wallpaper isn’t cheap (and rightfully so), so if i want to incorporate it at all, it’ll have to be in a small space. many of the inspiration shots i found used the paper in bathrooms, and powder rooms, specifically (wallpaper in bathrooms with showers/tubs = recipe for disaster, thanks to heat and steam), but i’m leaning towards an entryway sort of thing – just a little pop when you come through the front door. the photo below is a good example, though it’s obviously MUCH bigger than my space.

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discerning eyes will notice this is the same paper TTH used in her apartment – it’s called dynasty. so amazing, no? more eskayel goodness below.

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last week, when i first received the draft contract for the grand apartment, my lawyer sent a list of “key takeaways” (his assumption being, of course, that i wouldn’t read the entire contract myself. BUT I DID. not that i understood it, but i tried!). the list looked a little something like this (key areas removed for privacy’s sake):

  1. Purchaser – Sarah Jacobson
  2. Apartment – Apt X, Grand Street, New York, NY 10002
  3. Apartment to be vacant and in broom clean condition at time of closing with the standard items listed in 1.11. Anything else they told you they would include in terms of personal property or furniture? this one made me laugh. pretty please, could they leave behind the ugly dorm light and random bookshelf in the bedroom?
  4. Purchase Price – keeping this under wraps for obvious reasons
  5. Contract Deposit – 10% of total purchase price (YIKES) (Due at the time the Contract is signed by you)
  6. Closing Date – On or about May 2, 2016 (this changed)
  7. Maintenance –keeping this under wraps for obvious reasons
  8. Assessment – None.
  9. Loan Amount – keeping this under wraps for obvious reasons
  10. Occupants – Sarah Jacobson
  11. Pets – None. this had to be corrected to include the queen of my life, my cat, penny lane
  12. Seller’s Rider 42 – Please Review and confirm that all is true.
  13. Appliances – Seller is not making any representation that any of the appliances are in working order. Are you replacing them all anyway? this also made me laugh. i kid you not, i asked my lawyer to write “please remove the fridge” into the rider to ensure that whatever dead body is hiding inside there will NOT be in my apartment when the keys are turned over to me. 

following this list, my lawyer had another one. this one was made up of “everything he could find out about the Corporation (apparently, that’s what the co-op is called) and the building.”

and in that list was this SNEAKY LITTLE ITEM:

Flip Tax – 25% of the net of any first sale of a unit and after the first sale its 15% of the net sale price or $5,000.00, whichever is greater.

i’m sorry, SAY WHAT? i read it multiple times, then read it again. after i handed over all of my savings, a good chunk of my inheritance, my first born, an exhaustive list of my financials and also my soul, THE CO-OP WAS GOING TO TAKE 25% OF THE APARTMENT WHEN I SOLD IT?

oh HELL no.

i called my broker. he told me he’d mentioned this to me, that flip tax was a common thing in the new york real estate world.

look: i know i tend to have selective memory. that and i smoked too much weed in college and so sometimes my memory just isn’t that great. but i swear to god, NO ONE had mentioned this tax. and CERTAINLY, no one had mentioned it in the context of my making an offer on the grand apartment.

my broker tried again. he explained that while i had correctly understood the concept of flip tax, i hadn’t interpreted the ruling above quite right. the “first sale,” he told me, refers to, well, just that. as in, the first people to sell the apartment following its conversion from a rental unit to a co-op unit would pay 25% of the profitbasically, it works like this:

seller A: the lucky person who was living in the unit when the building went co-op in the 1980s. likely got the apartment for a steal (seriously, i don’t even want to know what they paid, it’ll make me cry), and then made a BOATLOAD of money the first time they sold it. let’s just say, for shits and giggles, they bought the apartment for 80k.

seller A’s flip tax situation went a little something like this:

purchase price: 80,000

selling price (the first time the apartment was sold by seller A, the original owner): 500,000

profit made on the unit = 500,000 (selling price) – 80,000 (purchase price) = 420,000

flip tax = 420,000 x .25 = 105,000.

INSANITY, RIGHT? basically, seller A had to hand over 100 grand of their profit to the co-op. you know, because life makes no sense.

i thought this was the situation i was in.

while i wasn’t exactly right, i wasn’t exactly wrong, either. because the “first sale” already happened, my piece of the pie is “only” 15%, not 25%. that softened the blow, a little bit. and that 15% only applies, remember, to the profit i make – not to the gross selling price.

a little research, along with more discussion with my broker, revealed that flip taxes are pretty standard in new york city co-ops. they allow the co-op to make money without having to jack up the maintenance (which, i should add, is quite low in this building).

in other words, as frustrating as that 15% is, there’s no way around it. though it may not be the LOWEST in all the land, it’s also not the worst case scenario (that would be a flip tax percentage that applies to the gross selling price. OUCH).

all parties involved in the transaction (broker, lawyer, mortgage broker, and a few other smart people i talked to) agreed that while 15% wasn’t, you know, great, it also wasn’t the end of the world, nor was it a reason to walk away.

so, i signed. but may this be a lesson for all future apartment hunters: ask about the flip tax, and ask about it early. preferably before you fall in love with a future home and imagine raising your little four legged friends (and maybe even some two legged ones) there.

hindsight’s 20/20, right?

 

 

 

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today, march 23rd, 2016, i signed the contract papers for the apartment at 504 grand street, where i will (hopefully, if all goes smoothly with my mortgage and the coop board) reside for the foreseeable future (following months of renovation).

this is, without a doubt, the scariest, most exciting, most HOLY SHIT moment of my entire life. i just took the first real step to becoming a HOMEOWNER. i am going to OWN A PIECE OF NEW YORK CITY!

(cue the violins and insert a quote from virginia woolf’s a room of one’s own)

when i first got word, late last week, that the contract would be coming our way in the next few days, i asked my broker where we’d meet.

i had this idea in my head that the contract signing would be some big, exciting, miraculous moment. we’d all gather in some giant boardroom somewhere, and the papers would be handed down the line for me to sign. the clouds would part, and the angels would sing, and i’d sign my john hancock oh so expertly four times over. there would be hand shaking, and “congratulations” and “thank you so much” and i’d walk out the room feeling like i’d just done something huge.

i’m sad to report that the actual state of the union is much less exciting than i’d imagined. in reality, what happened was that my lawyer emailed me the contract, told me to print out four copies, sign where appropriate, write the check, and stick it all in an envelope, which his messenger would come and collect from me at my office.

the clouds didn’t part, and the angels didn’t sing, and this BIG HUGE GIGANTIC thing i’m doing…well, it was rather anticlimactic. it’s not at all how they say it is on HGTV. in real life,  i’m just a girl, sitting at her desk, signing a contract and asking an apartment to love her.

but anticlimactic or not, a messenger just came to my office, and picked up a package filled with 16 pages of my signature, along with the biggest check i’ve ever held in my hands, let alone written.

and it appears, ladies and gentlemen, that i am well on my way to actually doing this thing. 

wish me luck, and HERE WE GO!

 

 

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you guys, waiting is HARD. i’ve been waiting around to sign a contract for the grand apartment for over a month now, and you know what? i don’t like it, not even close, not even a little bit, not at all. bonus points if you got the 10 things i hate about you reference above. though i totally gave it away with that photo, but whatever. when a girl has an excuse to post a picture of heath ledger, she has to take it.

but back to my rant: waiting IS NO FUN. when i put in an offer on the grand apartment, two days before leaving for a week in colombia, my broker was all, i need ALL OF THE THINGS FROM YOU RIGHT NOW and so i scrambled to assemble my financials and sign all of these scary papers (#adulting) while simultaneously trying to pack for a week in south america. i was running around like a blonde chicken with her head cut off. basically, if you can picture me, but with really frizzy hair and no makeup and a crazed expression on my face, you’ll get the idea.

i was frazzled. i was overwhelmed. i was terrified that in gathering all of my financials, and filling out the forms, i’d do the math wrong, or write something incorrect, or just generally, screw it up in some/any way shape or form.

but i did it. i hurried, and i made it happen, and i submitted not just an offer but a counter offer, driving my lovely mortgage broker, doug, crazy in the process (the man shot off about 10 different pre-approval letters in the span of 24 hours).

and then i boarded a plane to cartagena, and in my head, i was all, i totally have this adulting thing under control. I’M A REAL PERSON! i just turned THIRTY, and now i’m buying an APARTMENT, and i’m going to be ON THE BEACH IN COLOMBIA when i get the news that my offer is accepted, and i’m basically just killing life on all levels.

suffice it to say, i got a little ahead of myself. okay, a lot ahead of myself. the week in cartagena went by with no word from eric, my broker. and then i came home, and another week went by, and still, we had no word.

i was definitely, definitively not killing life on all levels. 

then, finally, word came, in what was basically the emotional equivalent of a howler. we had what my broker called “verbal confirmation” of an accepted offer, but as it turned out, no contract could be drawn up, and nothing could be signed, because the sellers were an estate, and they hadn’t done any.of.their.paperwork. as in, legally, they couldn’t even sell the place. they didn’t have ANY of their ducks in a row. THEIR DUCKS WERE ALL OVER THE PLACE.

make way for UNORGANIZED DUCKLINGS!

my broker assured me that this was just “a few weeks” away. it was a “relatively painless process” and we just “needed to be patient.”

you know the phrase hurry up and wait? well, that epitomizes this process. i basically drove myself insane putting in an offer right before i left for vacation because the seller was pretty much threatening to give the apartment away to someone else if i didn’t a) come up 30k and b) come up 30k RIGHT NOW.

so then i did just that, and POOF. they weren’t ready. not even a little bit. not at ALL!

to say this part of the process has been frustrating would be the understatement of the century. it’s not even that i’m a particularly impatient person (though i also wouldn’t exactly say patience is my strong suit). it’s that i hate being in limbo. i feel like someone strung me up in a tree by my ankles and told me they’d be back in 30 seconds, and instead, it’s been an excruciating SIX WEEKS. so here i am, dangling, thinking to myself, “are they ever coming back to get me? is anyone going to let me down from here? HELP!”

yes, i know in the above analogy i’d be long dead by now, but you get my point.

the weight of the wait, man. it’s torture! since i haven’t signed anything, none of this is legally binding. which means that technically, someone else could swoop in and take the grand apartment out from under me at any time.

granted, they’ve promised me this won’t happen, but still. LIMBO, you guys.  i am a worst case scenario type of person, and right now, any and all worst case scenarios are up for debate.

as of now, i’ve moved forward as much as i possibly could. i’ve met and vetted three contractors. i’ve done 3 separate walk throughs. i’ve verbally agreed to sign away an obscene amount of money. i’ve collected all the documents that the bank will need to give me a mortgage. i’ve pinned the SHIT out of dream kitchens on pinterest. i even started an instagram account!

but beyond that, all i can do is wait. my mortgage broker emailed me this afternoon to check, and when i lamented that we were still (shocker!) waiting, he had this to say: in a few months when you own the place – you’ll hardly remember the process!

at least someone’s thinking happy thoughts.

 

 

Taylor-Kinney-Going-Make-One-Superhot-Husbandrecently, i met my dream man. he was experienced, smart, nice, helpful…all the things you look for in a man.

did i say man? i meant contractor. recently, i met my dream contractor. his name was charlie, and he was experienced, smart, nice, and oh so freaking helpful. like, the MOST helpful, even though he legitimately owned me nothing and had no reason to be so.

that’s not him, above. that’s taylor kinney, who is ACTUALLY my dream man (and could easily be my dream contractor too, with those muscles).

let me back up a bit.

at the advertising agency where i work, we have a process called “triple bidding.” it refers to bidding a given job out to three different companies/people/production houses at once in order to a) find the best (wo)man for the job and b) get the best price.

my broker advised me to do the same thing for the grand apartment: do a walkthrough with three different contractors, get three different estimates, and go from there.

so that’s what i did. the first contractor, jan, came highly recommended from my broker himself. the second was manny, a recommendation from a family friend, a woman who swore (in her thick new york jewish mother tongue) that he’d “done some really nice stuff” at her place. the third was a man who i’d followed on instagram for a year, following his feature on design*sponge. his name was charlie.

let’s start with contractor 1.

contractor 1 (jan):

a soft-spoken, enterprising new yorker who comes from the czech republic, and boasts a lot of work experience on the lower east side.

estimate: around 65-70k

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a kitchen done by contractor 1

above is an example of jan’s work. it’s not bad, not by any means. it’s simple. it’s not necessarily my taste. but it’s workable. after touring my soon to be space, jan walked me over to an apartment he was currently working on a few blocks away. when i entered, three workmen were chipping away at installing sheetrock and fixing plumbing. the space was clean, and the renovation appeared to be moving along smoothly.

jan and i had a slight language barrier, which was probably exacerbated by the fact that i don’t really speak dude, and i REALLY don’t speak construction dude. but all in all, he was lovely, albeit quiet.

now on to contractor 2.

contractor 2 (manny):

a fast-talking, native new yorker who mostly works in westchester but swore he and his guys could do a bang up job in manhattan proper.

estimate: 89k

despite the fact that the only other manny i’ve ever known was my 8th grade boyfriend, who i routinely drunkenly hooked up with in the backseat of cars throughout high school, i really, truly, wanted to like manny. i wanted him to be the one. my mother loved him, because her friend susan loved him. and my mother’s opinion means a lot to me.

when manny did his walkthrough, he brought his cousin, who walked around with a measuring tape and took very official-looking notes. i thought that manny and i spoke the same language, though he talked as fast as a born and bred cabbie from deep brooklyn. i had faith in manny. manny promised to send examples of his work, along with references.

he did neither. and then his estimate came in 20k more than jan’s.

so i did what any reasonable girl would do. between a rock and a hard place, i decided to reconsider charlie, who i’d essentially been online stalking for a better part of a year. okay, online stalking is extreme. what i’d been doing was following his work, and hoping that maybe, someday, i’d have a home like the ones he designs. see exhibit A below.

contractor 3 (charlie):

charlie (also known as dream contractor), whose company, cw property group, specializes in taking old, decrepit spaces and turning them into something fresh, pretty, and livable.

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exhibit a: my dream kitchen, designed by charlie, executed by his company

in my heart, charlie was clearly the most qualified man for the job. so despite my gut feeling that he’d be waaaay out of budget, i emailed him, and asked him if he’d come and look at the space.

well, folks, turns out, my gut was right (guts and mothers: never wrong). after doing a walkthrough of the space last week, charlie called this morning, and told me his guys hadn’t even finished the full estimate, but they were already close to 100k.

estimate: OUT OF MY PRICE RANGE.

finding your dream man, and then finding out he’s too expensive…it sucks.* ain’t no two ways about it, hearing a number like that hurts. honestly, hearing ALL the numbers above hurt. this isn’t monopoly money, it’s real money. it’s money that belongs to my family. money that is the result of hard work. it’s hard to think of parting with such giant sums–and even harder to think that those giant sums don’t even cover it.

but, you know, buying a home is expensive, and so is renovating it. at least, that’s what i keep telling myself. that, and inhale. exhale. inhale. exhale.

so where does that leave me?

while i’ve been advised not to go with my cheapest option, because that’s a potential recipe for disaster, i will likely be awarding the job to jan. here’s why:

  1. he’s the only one i can afford. the truth hurts, people.
  2. he seems like he really WANTS the job. manny on the other hand…not so much.
  3. the in progress space he showed me a few weeks ago looked pretty damn good.
  4. one of the references on his list is “mr. jeremy piven” who i am obviously assuming is THE jeremy piven. that’s a reference i WILL be calling.

also, if i play devil’s advocate…

cost doesn’t always dictate quality. in fact, charlie (contractor 3) flat out told me his guys “were not the cheapest.” not going to lie, ripping off that bandaid hurt

my (not at all educated) guess is that part of the difference in price will manifest as a) a little less “customer service” (aka, i’ll have to do lots of checking in and following up) and b) a little jerry-rigging in terms of finding my cabinets, appliances, lighting, etc. all on my own.

a note to self (and to anyone else who tries to do this after me):

i’ve learned that most contractors do NOT include any surface materials beyond sheetrock, paint, baseboards, doors, etc. in their estimates, so everything from countertops to tile is on me. likely, those will be the places where i’ll be hunting on my own, tracking things down, getting them shipped/delivered, and perhaps, most importantly, making sure they’re budget friendly. if anyone has any tips on budget friendly places for tile, fixtures, lighting, appliances, etc. HIT ME UP. 

in the meantime, in the words of alessia cara, i’ll be over here, pining over my dream contractor, and hoping that someday, somehow, i’ll be able to afford his services.

*i recognize that this is a total champagne problem.

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the holy grail of kitchens, which belongs to alison cayne of haven’s kitchen.

recently, i read a post on food52 that proclaimed that subway tile was soo over. the market was over saturated, the blog posts overdone, pinterest ready to explode and vomit subway tile all over everyone and everything. and in typical new homeowner fashion, i felt a slight chill creep up my back. was i about to make the biggest mistake of my life?

was i about to use a tile that was soooo over in my kitchen?! 

i’ve been reading interior design blogs, and buying interior design books (shoutout to my two faves, erin gates and emily henderson!) for YEARS, now. like, almost a decade. and if there’s anything i’ve learned from them, anything can be trendy, and any trend can be overdone. but not everything can be a classic. and a classic, well, it never goes out of style.

today, riding the 6 train uptown, we stopped at 23rd street, and i meandered toward the exit, eying the walls in front of me. they were, of course, my beloved white subway tile. and as i looked at them, i thought to myself, screw you, food52.* subway tile is a CLASSIC. it CAN’T ever be over!

and then i went back to pinteresting the hell out of subway tiled kitchens. here are a few i’m using as inspiration for my own.

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this kitchen belongs to michelle adams, formerly of domino. adams recently bought and renovated an adorable little house in michigan (you can follow along on her instagram account). her kitchen is the perfect example of classic done right: hardwood floors, stainless steel appliances, marble counters, white cabinets, and white subway tile backsplash.

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another look at adams’ kitchen. i’d like to do some open shelving, but i think i’ll go natural wood instead of white to warm things up a bit.

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you know, like this.

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or this.

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or this (sans children, for now, of course).

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this pantry gives me heart palpitations (the good kind).

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white grout or black grout? HELP ME DECIDE, tile gods.

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this looks more like light gray grout. a compromise! i love everything about this, and i already have mostly white dishes, so i could make this happen.

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hiii, farmhouse sink. i love you. those brass accents ain’t too shabby either.

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small but mighty. i will thankfully have a good deal more space than this –  but it’s proof that if i need to go budget and try butcher block countertops, it won’t be the end of the world.

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can you imagine coming home to this beauty every night? who wants to pack me into a suitcase and take me to morocco so i can bring home ALL THE AMAZING RUGS?!

so. what say you? subway tiles: yay or nay?

*food52, i actually adore you, and respect your opinion greatly.

 

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i’ve been watching HGTV for about 15 years now, and of all the things it’s taught me, the most important one is this: when you look at a home, you can’t fixate on the little things (paint, tile, lighting, furniture). you have to look at “the bones” of the place; ie, the moldings, the windows, the ceiling heights, the square footage. bones, for the most part, can’t be changed. but the little things can.

i can’t count how many times i’ve seen a woman on house hunters throw up her hands in disgust at a pink tiled bathroom, squealing, “ew. THIS TILE! this is SO NOT US.” at which point, the camera zooms in on the aforementioned pink tile, demonstrating to us viewers just how horrifyingly ugly it is.

here’s the thing, folks: pink tile is FIXABLE. as are puke green walls, or a bathtub so covered in rust that you can’t even tell it’s white.

which is what i had to tell myself the first time i walked into the grand apartment.

deep breaths. this is ugly, but it is fixable.

my broker, knowing my pinterest-heavy heart, had warned me that what i was about to see wasn’t going to be pretty.

“it needs a lot of work,” he said, “but it has potential.”

(this is a thing that brokers say to you when they want you to look past the fact that the electrical hasn’t been updated since 1936 and that the refrigerator has a sign on it that reads, “DO NOT OPEN. THIS MUST STAY CLOSED.”)

i first saw the grand apartment on a cold and windy night after work, and let me tell you, it is not smart to see a place that needs a gut renovation when it’s pitch black outside. see, darkness makes everything ugly look even uglier. daylight, by contrast, helps to smooth the rough edges; sunshine adds a sheen to even the worst 1970s linoleum.

i have to be honest, potential isn’t what i saw when i first walked in. i saw ugly, dated, and worst of all, SO dirty (a type A/OCD girl’s biggest fear). the cracks in the ceilings made them look like they could cave in at any moment. the only room with a true door was the bathroom, and the tile in there was gross enough to give me serious nightmares. the bedroom had no closet, the only lighting in the apartment came in the form of bulbs that dangled from the ceiling and could be turned on by yanking a piece of string, and the kitchen cabinets were straight out of an early 1900s tenement museum.

i tried to see the apartment like chip and joanna gaines would see it. i tried to channel the property brothers. but in my heart of hearts, all i felt was disappointment. disappointment that this ‘amazing lower east side 1BR’ was sort of a bust. disappointment that it would truly require a gut renovation. disappointment that the renovation would probably be out of my budget.

so i took a weekend and slept on it. and what do you know? as soon as my head hit the pillow, my brain turned into a pinterest EXPLOSION. my inner monologue was all, subway tile crystal doorknobs crown moulding tin ceilings and omg what about a farm sink i’ll need a lot of cabinetry and i wonder if i need a new kitchen aid mixer can i afford a smeg fridge how many burners do i need on the stove can i tear down the linen closet to open up the kitchen and create a breakfast bar how many types of penny tile are there how much does a clawfoot tub cost?

clearly, though my rational self was worried, deep down, i knew: just like my broker had said, this place had potential.

so i went back to see it again on a sunny day, and here is what i saw:

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standing in the living room, looking towards the entryway. that’s shitty linoleum you see beneath eric’s feet, but underneath it is relatively well-preserved hardwood from the 1930s, when this building was built. neat, right? if you look directly behind eric, you’ll see an ollllldy mc olderstein built in cabinet and drawer situation. there’s even a cutting board that pulls out of it! i don’t think i’ll be saving any of it, but it’s neat to think about all of the families that lived here over the years and stored their non-perishables on those shelves.

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standing in the living room looking at the entryway. when i first saw this archway, i was all, ‘awww, charm!’ except then my broker pointed out that it was fake, and we could bust it open to make a semi open-concept living/eating area. it’s hard to see in these photos, but i’m hoping to open the wall up to the right to add a breakfast bar, and maybe transform the space to see above into a giant (i use that term lightly, it’s manhattan.) hallway closet.

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the living room, as seen straight on from the entryway. it’s not enormous, but it’s workable, and it gets great light. i’m thinking i’ll refinish the floors in a darker, ebony-like stain (all the better to hide the imperfections) – but they’re original hardwoods, which makes my heart happy.

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the living room, as seen from the entryway, a little bit to the right. the floors can be restored, and i haven’t decided what to do with that odd trim. probably tear it down and add crown moulding on both the ceiling and the floor. as you can see, i’ve got space for a couch along that long wall, and hopefully, a little dining area at the right. the TV would go opposite the couch, and i might be able to squeeze a little extra seating along the windows. i wish i had the budget for a brand new sectional, but mama needs new electrical, so, current couch it is.

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the bedroom, which isn’t nearly as dark as it looks here. the unit is a corner apartment, which means it gets lots of eastern light. the paint on the walls in here (okay, on all the walls) is PEEL CITY, PARTY OF THREE. but my contractor has assured me we can remedy it by thinning, scraping, and removing all of the years and years of bad paint and replacing it with smooth, beautiful, any-color-i-choose paint. isn’t it nice that the previous owners left a dorm light for me? #blessed.

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the kitchen is definitely tied with the bathroom for “the worst room in the place.” that fridge literally has a sign on it that cautions you NOT TO OPEN IT UNDER ANY CIRCUMSTANCES. i have to wonder: are there body parts in there? am i about to be on an episode of SVU? regardless, it ain’t pretty. the stove is super old, but in a cute country kitchen type of way. i don’t think it’s safe to use; otherwise, i’d try and save it. some of the other units i saw online in this building had amazing giant farmhouse-style sinks in place. it looks like this kitchen had an “update” in the seventies and got that fugly looking thing you see at right. if anyone knows of anywhere to get a farmhouse sink (used!) in the NY metro area, HIT A SISTER UP.

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the bathroom is BAD. but it’s workable. it has space for a toilet, a pedestal sink, and a tub (clawfoot gods, can you hear me?). and there’s a window! the square footage in here is pretty tiny, so if i can afford it, this will be the one place where i splurge on tile. nothing like some marble hexagon business all up in your footsies, amiright? more than likely, i’ll end up with inexpensive, but classic: subway tile all around the tub, penny tile on the floor (white with black grout, maybe a black border), a pedestal or mounted sink, and a new toilet. just close your eyes and imagine a black clawfoot tub in here…ahhh, bliss.

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standing in the bedroom, eyeing the linen closet (which will likely be knocked out to open up the kitchen) and the little bathroom. how about that medicine cabinet, folks? rough, right? but again, you can see that in its heyday, this little bathroom served its purpose. cleared out and freshened up, it’ll be a little beauty.

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taking a look at the doorframe between the back hallway and the living room. it appears all of the doors in the apartment beyond the bathroom door were removed and discarded (whatever happened to privacy?), but you can see that the moulding was, at one point, really beautiful. it’s simple, but i’ll take simple over my 1950s BORING doors any day. this too may be going away to open up the kitchen…but i’ve got the same thing around the bathroom and bedroom doors, so it will get preserved someway, somehow.

SO. that’s the before. god, i LOVE a good makeover. let’s just hope that my “after” is so freaking spectacular that someone puts their hands over my eyes before i walk through the front door and says, “SARAH, ARE YOU READY TO SEE YOUR NEW HOUSE?!” i can’t wait to squeal with delight at my so fresh and so clean clean NEW HOME.