I've done much of nothing in the past few days.  Hearing that I'm being forced from working for 14 days sort of took all motivation out of me. It didn't help to find out that closing won't be until next week. It just keeps getting pushed further and further out.

The only good thing that comes out of this is that on Monday, the loan has to be renewed so my lender says I will get a lower interest rate.  I mean, that's good, lol, I don't know how much lower, it's 5.1% offer at the moment. Without property taxes or insurance, the payment will be $444.55 per month. Taxes are around $1,300 per year - not cheap around here, I dunno what they are using all the money they get from it on beyond courthouses, sheriff's department, county road maintenance etc.  Normal stuff but seems to be pretty high taxes, I don't even pay that much for my house in Phoenix and it's worth far more than this land is.  

But add $108.33 per month for taxes and I have no idea how much basic liability insurance will be.  Probably not much since I won't list it as an RV park until I get the operation up and running, just private land that has no house or any structures on it at all.  See if I can bundle it with my Allstate package which already covers the boat and 2 vehicles, perhaps save some money that way. I figure the total monthly bill around $600 which isn't bad in my view for 25 acres of land.  

Whatever the payment is, it's going to be low enough to be able to afford for a while with just my job income.  It's going to take a while to get anything up and going.  But if we can get this deal done and over with early next week, I can spend a week or more out there clearing out tree and building the first driveway at least, perhaps even get some pads cleared out. Be nice to get about 20 of them cleared, do the second driveway and have something to start with.  Doing that stuff myself and probably with James help I can save a ton of money.  I have all but decided at this point I am going to do - with help but not with any contractors beyond what is required - all of this myself.  

That decision was made much easier after seeing all the information they want in order to obtain an SBA loan and the need for hiring professionals to come up with that paperwork.  No thanks, not now anyway.  Get something going, hopefully start getting some income from it, keep it going for a year and then I'll have all of that info on paper/excel and then get a loan to put in the lacking amenities. Namely, a pool.  A larger pool with a jacuzzi, the concrete decking, a good wall around it etc. More liability, but far more revenue, especially in the summer.  Get a big enough pool in there and people in the local area will come to use it, it's not like we have anything like that around here. You drive either 45 miles east or 30 plus miles west to get to anything.  Or not - lol - just depends on the occupancy and how many people I can get in there to use the facility either overnight or for several days or longer.  

I also have room for a party barn - another rent-it-out-to-the-locals type of thing or advertise it with the RV park as a get together for family reunions or gatherings where people who know each or part of a group or whatever can come to have a place to hang out with each other. The costs of a barn or a pool are obviously well out of my reach atm.  The pool would have an additional charge added to the lot rental, not much but the maintenance needs to be paid for and I don't want to eat those costs in just the lot rent. A card key for entry like a hotel room - I've seen them used at pool as well.  

That may be wishful thinking, but it's part of my goals for an RV park that stands out among the rest in the area.  There's several of them here, they are mostly all run down places excepting for a few that have a pretty good look to them.  The appeal to draw people beyond just a park, initially or whenever I can afford to get it done, will be a large pond stocked with fish.  Ask a typical RV'er what they'd like in a park and many of them are going to answer any type of fishing hole, please.  

I am cautiously optimistic at this point.  The revelation that the lady signed off on the paperwork but it was lost in the mail gave me hope that there is light at the end of this particular tunnel.  I was going to put an ultimatum down on this table of delays and demand it either get down or I'm backing out, but it doesn't appear that I will need to do that now.  Such a move could easily backfire and the seller could simply say fine, I'm not selling it to you.  I was, however, at the point where I didn't care, got very frustrated with this situation and was ready to back out of it anyway.  I had no idea this paperwork had to actually be filed with the county. But, that's right here in town and I don't see it taking forever to getit done.  In fact, I should just check the tax assessor's site, it should be adjusted on there whenever they file it, supposedly today. 

And no, it's not done yet. She lives in Maine, the title still showing the deceased name,  living in a small town 100 miles south of here in Texas.  Whatever the case, as soon as this thing is done, I'll be over there, at the property. Actually, I'm going to go take a look today.  I need to see what I need to do to be able to clear out the driveway.  There are large trees at the front that need to be cut down - but - there is power lines running right through it. Could be a bit tricky taking down trees without damaging the lines, but I don't really want to pay anyone to do it.  Way too expensive. They want thousands of dollars just to take down a single large tree around here.  Tho, if they could just cut the thing down and let it fall, it will be much cheaper. The expense is in having to cut trees down in pieces because they can't take out power lines, communication cables, etc and not taking out houses and structures.  In this case, they could simply tie ropes around them, tie them up in a direction away from the power lines, cut the trees and let them fall in the road way, hook them up to a tractor and pull them off the street.  There isn't much traffic going through there, it would mean stopping a lot of vehicles to get it done.  

There are no structures near those trees to be concerned about, maybe barbed wire fencing but that's easily fixable and cheap.  Once I get the front cleared out I can call out the water contractor and the power company.  Septic - not sure which system they would want to install or where it will go, tho I have a place I'd like it to go, out of the way and not taking up any space in the park itself.  

Not a desirable situation, but I expect that my costs will far exceed what the 401k is going to end up giving me, so that's sort of a headache I'm going to have to figure out.  Getting another loan will mean that more in monthly bills - it's the kind of thing where you want the park as close to being ready to turn the key and fire it up as possible.  I don't want to be eating another $1,500 per month payment without additional income.  It's just that I can see the septic system being very costly, probably more than electrical.  I'm guesstimating somewhere around 20k for electricity to get maybe 20 lots up and going to begin with.  And tho companies list septic systems for 3 grand, that's just for one house.  How much for 20 lots?  I've seen estimates as high as 26k.  

There will be a lot to contemplate once I get the costs of everything established and attempting to figure out how to go about doing it without sinking myself in monthly debt payments.  

That's kind of where my mind is right now - where to start and how to proceed after certain things are accomplished.  

With that, I am heading over there to take pics and video of the front and get a good idea what it will take to get all of that cleared out.