Started house hunting again, but now there is a glitch!

[mommy_of3boys]

Oh, geez where to start!  First off we are living with DH's parents and have been sine Dec of '05!  We have been having some money trouble, like my Appendix rupturing just after I lost my Medicaid and before I was added to DH's insurance!  Can you say BIG bills!  Anyways, so we are almost all caught up with that and decided that since taxes this year should pay off the last of it we would start looking for a house in like May.  Well, just to get a feel of the  market I was looking.  I accidentally stumbled across a fixer upper with great possibilities.  It has 1,563sqft, 4 bedroom, 2 bathrooms and 2 living spaces and was listed at only $80,000.  Well, the price dropped 10grand right after I stopped by to peek in windows and see what was so wrong with it that it has been on the since Nov '07 and started at $118,000.  Well, it has no flooring the walls are nothing but drywall and there seems to be old water damage to the ceiling but not the floor, it is also not far from the local dump (the wind never blows from the dump in the direction of this house) and just about a quarter of a mile from an Air Force base (that DH works on) and the runways are practically in the back yard!).  After looking at it and getting DH to think about it, we decided we wanted to go for it and see what an inspection and appraisal show.  So we started getting our bills together and paying off what we could so we had fewer monthly bills.

Skip to Monday of this week DH's Grandfather ended up in an emergency surgery that only 20% off people make it out of.  So the house has been full of tension and stress worrying about Grandpa, which is understandable.  Then on Tue FIL had some Dr appts for his heart and finds out he need a quintuple (5) bypass surgery and was put on bedrest until he could get in next Fri to see a surgeon and schedule his surgery.  So me and the kids have been asked to keep it down and to stay down stairs or not be home if possible so he can have a nice quiet house.  Which I can understand to a point.

So, DH's older sister called him tonight, she thinks it would be good for us to get out of the house before the surgery. Which DH and I agree to, but don't know if it is really possibly, since he is going to see the surgeon in 9 days and I'm sure will be scheduled for the first of the next week, giving us just under 2 weeks. She wants us out so badly she said she will pay our first 6 months of rent on an apartment. I can't do this to her as a three bedroom apartment is, 1. hard to find and 2. is usually over $800 a month. A 2 bedroom wouldn't be big enough and even at that is still $700+ a month! I am pushing DH even more for us to move on this house. If all works out and we do get it I know I could have it livable, maybe not hardwood through-out like he wants, but livable so we can move out, in about 2 weeks, not including paper work time. Yes, I know that is pushing it, since it will take a little while to get all the paper work and then repairs. But I know I could get it done, I could have my little sister watch the boys while I do the work on the house ALL day. I also have at least 11 people willing to help if not more, so I know I could get it done. If I can re-roof a whole house, including replacing all the plywood and everything else, basically building a whole new roof, with 5 inexperienced people working 3hrs a day for 5 days (15 hours, 75 total man hours), I can do this! But anyways, DH is starting to stress and that is making me stressed. He was going to get pre approved online, but it was confusing as Hell! So he is stopping by our credit union tomorrow after work to get it taken care of so we can move one step closer to owning a home and MOVING OUT!! ::sigh::
Question, would it be worng to ask his sister for a bit of money to help with the down payment, we already have $7,000, since she want's to pay at least $4,200 in rent for us!? I'm debating brining it up to DH, but don't want to sound greedy or rude!

[sunflowerfreak]

Jan. 15, 2009 at 10:51 AM

Wow! that's a lot going on right now for you.  Just to let you know that your SIL offered to pay 6 months!  Wow, that's great.  So why don't you take that money and put it with your down payment.  with 6 months at $800.00 a month that's $4800.00 you can add to your $7000.00.  That would be $11,800.00 of a down payment.  That would be great.  I would definitely go for it.  You might have to have your SIL do a letter stating you don't have to pay her back for the money she had given you.  Just a precaution.  Good luck.