The “Big Idea” was to obtain a livable mobile home house trailer and set it up in my backyard so that I could move into it and rent out my house. This will enable me to make the house payment and also be a nice source of income for me in my baby-boomer retirement years. By selling off much of my belongings, I was able to obtain a nice mobile home and now am faced with setting it all up with utilities and making it into a nice home.
Now you can save your home from being foreclosed on by the bank. Your home will work for you and bring income for you and pay for itself; all by itself.
Hopefully the original underpinning was salvaged and in good condition. If not, you may have to buy replacement underpinning. I advertised on the craigslist for lumber left over from any projects and received so much lumber I could build another house with it. Try to pick out the best all-weather pieces you come across, but don’t let others go if they’re not treated. You can use it for building an addition later on. Most of my underpinning survived the move, but some was rotten and had to be replaced. There was also T-1-11 panels that fit over the wooden frames. I was able to replace the few that were broken by advertising and asking for them as well. These cost about 30 each in the hardware stores and are about the size of a sheet of indoor paneling or sheet rock. You may well only be using sheet metal underpinning which will be much cheaper and easier to replace. Whatever it is you are going to do for underpinning will be dealt with now.
You will need enough 6 mil plastic to run the entire length of your trailer. This will depend on your dimensions. Mine was 14 x 70. An entire new box of the black 6 mil visqueen costs about $156.00 new in the box. I advertised my need for this and was able to buy an almost full box for $50.00. It really pays to use the craigslist and the local freecycle sites. I hired some unemployed young men to crawl up under there and staple the plastic and set up the insulation panels from the inside.
Most of you will probably not want to go to this extreme, but is very necessary in my region. Laying heavy plastic down on the ground to cover the entire area underneath will keep the ground warmer in any area of the country during cold winter months. It’s a great way to warm up your pipes and floor of your trailer no matter where you live!
Giving up your home temporarily while you reside in another dwelling is going to give you freedom and peace of mind. No more worries about the mortgage payment. Soon your home will be working for you. You have to get it ready to rent as soon as possible, but in the mean time, you still have to make your new home livable and comfortable. You have plenty of time to work on other things with the trailer later, so try to keep focused on getting the house rented out so that you save your home from foreclosure as soon as possible.
Next, porches had to be built, so we were able to utilize a good portion of the lumber I’d collected. After that, there were exterior doors with issues, and then appliances to used or have repaired. No doubt your trailer will have it’s own little quirks that will need your attention. Use whatever money you have wisely and try to put it all onto making your living area as nice and comfortable as you possibly can. This will be your home for several years now, but not necessarily forever. As soon as your home is paid for you can sell it, rent it, rent the trailer too, or anything you’d like to do. At least you’ll have options verses the alternative of having none.
Now you must clean your house. You may want to consider hiring a house cleaner to come and help you. The craigslist has several listings and you should be able to find someone to come help you for under $13.00 an hr. Do all that you can first. Empty the house out. You should enlist all the help you can find in family and friends. Hopefully you will have a storage shed or garage or basement you can lay claim to an area of. There is mass storage space under your trailer. Be sure to have them install a good wide access door if there’s not one already. Get every single item out of your house.
By now you’ll be well on your way to avoiding foreclosure on your home and plowing right along, and getting closer everyday to being able to go to the bank on a regular basis each month and being able to make regular payments on your house once again. Even being unemployed, at least this is a way you can keep your home and land.