Save money for a large downpayment. 13% is absolutely insane. If you really only have 800 fixed expenses, can you get a 36 month loan? Should be able to get that rate way down.

Wow you can actually SEE the border of Weston, wild.

38 year loan? I'm surprised you arent paying a lot more than 160k in interest over that term...

3x isnt over extending yourself.

Look I don't like Thiel, but its more like whispering to your buddies "hey i think there might be a fire, lets get out of this building" vs OP wanting to scream "FIRE!!!!!"

They can but the leech fields are massive. They just built some huge apartments along rte 20 that I'm pretty sure have no sewer access. Must be septic.

The developer comment was just about how they'll be less likely to build it

That's probably because towns were able to demand smaller unit sizes to avoid an influx of children. Many towns about 1/2 the budget is schools. Thats why they love 1-2 beds and 55+ communities.

With these new rules they will not be able to kill projects with larger bedroom counts.

Well with the sewage a LOT of these towns straight up have just septic systems. You can build an apartment with septic, but it requires a huge amount of space which will eat into 1) the profit for developers, 2) the # of units built, 3) useful space, although I wonder if they could build green space over the septic. Not sure if you wanna be walking around over leech fields that big though.

Yeah my guess is nothing will really be built there because of this. Not sure why it didn't qualify for the "small community" adjustment. I'm guessing land area is decent. Dover for the small community adjustment and only has to zone for like 100 units. Its ridiculous

Total guess, but in 1-2 years there'll be a 4k sqft house sold for 2m there.

Small towns got a huge break in a re-do of these rules last year. Carlisle for instance, only need to zone for 95 total units (was originally 750!). And again, thats just zoning, nothing needs to be done. If the builders cant deal with water and sewage they wont build. I'm not seeing anything in the rules that says the towns need to provide those services. My guess is a town like carisle will end up building a single apartment building sometime in the next 20 years, but no sooner than 10.

Wherever they want, but I mean they will put them in places that "make sense" for the town. They will also likely put them in parts of their town that already have apartments or density. I dont see anything on the official website that says it has to be new zones. Not sure about Holden though never been.

Holden has to zone 50 acres at 15 units per acre. That's what this does. It's zoning

You are going to need a car. Hopkinton is extremely rural for a suburb. Daily ubers will not scale and it might even be hard to find one out that far on a consistent basis.

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Maybe try to find housing near work so you can walk and then uber into Boston on the weekend?

I know you dont want to dox yourself but not knowing where your work is located makes this extremely difficult to give advice to a non-driver.

Oh great we're overdue for more of this? "Wonderful"

I do think its possible to say it "looks cool" and also say "its insanely ugly" at the same time. The contrast of the sunlight on that side does look pretty cool.

Just look at this

https://home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_yield_curve&field_tdr_date_value_month=202302

It'll be pretty close. Any yields you see on fidelity are either secondary market t-bills or is a guess.

bright horizons is probably like 99th percentile in price. they are insane

At my facility, 5 days 10 hours in metrowest for infant is gonna be just over 600

There is no requirement to build, so yeah all but 4 are "going along with it"

If you want a requirement to build, please contact your state rep to push for that.

If you itemized and were under the SALT limit of 10k, or if you were over it by less than the refund, you will owe taxes on it. Possible, but unlikely. Most people that itemize in the new system are WAY over the salt limit.

The whopper itself won't be aided by this. Even if they comply it's supposed to be within 1/2 mile of the commuter rail stop. The site for the whopper is further than that. If they do comply hopefully the zones will be near the commuter rail since that was a big component of the legislation.

You dont need direct mbta access. Towns adjacent are also effected

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https://www.mass.gov/info-details/multi-family-zoning-requirement-for-mbta-communities

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Scroll down a bit and youll see the map, its basically the eastern 3rd of the state.

>, Lexington, Bedford, Concord, and Carlisle are all fine suburbs, but they’re at the expensive end.

Yeah using lexington median income as an indicator of what you shoudl be making compared to alabama might not exactly be fair.

Housing is going to be the single biggest cost increase. Do you want to live IN boston or suburbs or rural town? We'd need to know that to really comment. The price difference would be quite large between boston and say ashburnham.