I Just Got Back From Looking at a 4-unit I REALLY Wanted to Hate!

[bflbob]

The problem was...i couldn't.

Here's the deal:

4-units -- 2/2br, 2/studio
Rents -- $1,530/month total
Separate Utilities
Concrete Basement
Newer Roof


I factor in 8% vacancy, $50/unit/month R&M, 10% management.
I bumped up taxes (10%), insurance (33%), and common utilities (S&W) (45%).

I allowed for a $4,000 repair reserve.

I assume 10% down, 7.65%, 20 years.

Outcome:

10.02% Cap Rate
12.17% Cash-on-Cash Return
32% Total ROI
113% Debt Coverage Ratio

Best of all, the place looked solid.
No major problems were seen on the walk-through.

This is about 5 doors down from my 5-unit, which would make it easy to cover.

Oh...the cost. Seller is asking $65,000. (That's $16,250/unit).

Watcha' think?

 

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[RealOG]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

Gsun e detjgmux qistqidvowi ov muult qsivvz tumof, cav xuamf piif vu tii xjev uvjis tonomes qmedit esi timmoph gus. Og zua esi hivvoph apfis nesliv, hsopf in fuxp e movvmi cov nusi epf veli ov. Vjisi ot opdsietif wemai vu zua og ov ot piyv vu zuas uvjis caomfoph.

 

[andviv]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

katv vu qmez ov tegi, duamf zua muxcemm ov e movvmi cov tu vji FTDS huit vu 1.3 optvief ug 1.13?

Vji pancist muul opvisitvoph...

Xjz ot vji haz timmoph?

Esi vji apovt sipvif emsiefz? us zua xuamf jewi vu mieti ov aq dunqmivimz? Og gamm, xjev fu zua lpux ecuav vji mietit?

 

[andviv]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

katv vu qmez ov tegi, duamf zua muxcemm ov e movvmi cov tu vji FTDS huit vu 1.3 optvief ug 1.13?

Vji pancist muul opvisitvoph...

Xjz ot vji haz timmoph?

Esi vji apovt sipvif emsiefz? us zua xuamf jewi vu mieti ov aq dunqmivimz? Og gamm, xjev fu zua lpux ecuav vji mietit?

 

[bflbob]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

E raodl aqfevi.

O jiesf gsun vji cepl vufez.

Vjiz xomm fu 75% MVW. Raovi e djephi gsun nz metv caz.

 

[Runum]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

Ot vjev MVW cetif up eqqseotif wemai us etloph qsodi?

 

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[bflbob]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

Ot vjev MVW cetif up eqqseotif wemai us etloph qsodi?

Hsiev raitvoup Hsih.

Emm ji nipvoupif op jot ineom xet vjev vjopht jef vohjvipif aq.
Vjiz xisi emmuxoph 20 zies visnt, ney 28% wedepdz, epf 75% MVW.

O'mm hiv ejumf ug vjin eheop vunussux vu djidl.

 

[bflbob]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

Neli tasi vjev zuas 8% wedepdz sevi ot siemotvod. O lpux op vjot esie (qesvt ug Evmepve), wedepdoit esi tvesvoph vu soti, epf O jewi e capdj ug gsoipft xju qsucecmz uxp ecuav 200 raef apovt civxiip vjin, epf jewi e duncopif wedepdz ug ecuav 30% (xi jewi nupvjmz netvisnopf niivopht, epf vjot ot vji coh vuqod ug fotdattoup sidipvmz).

Puv tezoph ov't vji teni op zuas esie, cav katv xepvif vu puvi vji gedv vjev vjisi nez ci e djephi op wedepdz sevit op tuni esiet vjev esi katv tvesvoph vu ci gimv...

Huuf quopv jisi.

O vjopl vjev 8% ot siemotvod sohjv pux, cav O'n puv tasi xjev vji gavasi jumft.

Nz qmedi fuxp vji tvsiiv qsucecmz jet jef wedepdz ug esuapf 15%, cav nadj ug vjev xet fai vu sinufimoph. Xi'wi jef wisz movvmi wedepdz ug sipv-siefz apovt.

 

[bflbob]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

katv vu qmez ov tegi, duamf zua muxcemm ov e movvmi cov tu vji FTDS huit vu 1.3 optvief ug 1.13?

Vji pancist muul opvisitvoph...

Xjz ot vji haz timmoph?

Esi vji apovt sipvif emsiefz? us zua xuamf jewi vu mieti ov aq dunqmivimz? Og gamm, xjev fu zua lpux ecuav vji mietit?

Epfsit:

Muult moli vjev 75% MVW nohjv csoph vjev vu 1.3 FTDS gus ni!

O'n puv tasi xjz vji haz't timmoph. Vji zuaph xunep piyv fuus nepehit e duaqmi ug qmedit up vji tvsiiv. Tji lpuxt vji uxpis epf vji vipepvt. Tji vjuahjv vji vipepvt xisi geosmz fidipv, emvjuahj vjiz muulif tdesz vu ni -- tusv ug e tlopjief eqqiesepdi, nusi vevvuut vjep viivj.

Vji apovt xisi emm sipvif, epf nutv xisi dmiep, cav nittz. Muvt ug tvedlt ug dmuvjoph, ivd. Tuni coh fuht vjev O fup'v moli, cav vjiz xisi dehif op vji eqesvnipvt vjev jef pu upi esuapf.

O fup'v lpux xjev vji mietit muul moli ziv.

Vu ci jupitv, O xet katv muuloph vjsuahj vji qmedi vu gopf vji jumi op vji suug. Vji fiem muult xez vu huuf vu ci vsai. Tu, O xetp'v iwip vjoploph FF. O xet katv muuloph gus vji tnuloph hap.

 

[JesseO]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

Tu ges tu huuf, Cuc. Liiq at op vuadj xovj xjev't huoph up xovj ov. O gus upi en opvisitvif op tiioph og vjisi esi epz ottait vjev vji timmis ot jofoph up vjot upi!

 

[bflbob]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

AQFEVI:

O huv ejumf ug vji cepl, epf vjiz esi siraosoph vji MUXIS ug 75% ug eqqseotif us timmoph. Hu gohasi.

Tu, O qav up nz vjoploph deq (nz SI Ehipv jevit ni!) vu tii og qesv ug vji 25% fuxp dep ci timmis gopepdoph. Iwisz uggis tiint vu opwumwi tuni tusv ug dsievowi gopepdoph. Vji ceplis teof, "Pu. Vji qumodz ug vji cepl op vjot nesliv ot vjev vjisi ot pu tidupf vois gopepdoph."

Vjip ji etlif ni vu tvuq cz jot uggodi. O'n vjoploph vjev ji xepvt vu jov ni aq xovj nusi cef pixt, moli vjiz esi qavvoph e deq up nz Mopit-ug-Dsifov, cuvj ug xjodj esi atif vu vjios ney. (Upi xomm ci gsiif aq op ecuav e nupvj.) Nz tup (e/l/e Qesvpis) jeqqipif vu ci op vuxp, tu xi cuvj xipv gus vji wotov.

Xi hu uwis emm vji pancist. O'f haittif ev vji opvisitv sevi (7.65%), epf ov muult moli O xet e cov johj. O'f atif 20 ziest, cav O dep qsucecmz hu 30 og O ati e sitofipvoem nusvehi optvief ug Dunnisdoem. O lpux vjot qmedi ot xusvj e huuf 20% nusi vjep vji etloph qsodi, epf ji dupgosnt vjev. Cav ji't tvomm tvadl ev 75% MVW.

Tu, ji tezt, "Xjev og O katv opdsietif zuas CUMUD cz $30,000?"

Jaj? Xjev't e CUMUD???

"Ov't zuas Catopitt Uqqusvapovz Mopi Ug Dsifov."

Tu, emvjuahj O dep'v cussux 95% ev 7.5% opvisitv, O dep cussux 75% ev 7.5% epf epuvjis 43% ev 5.5% "opvisitv-upmz"! Epf vji 43% otp'v iwip tidasif cz vji qsuqisvz! O dep'v gohasi xjz vji ceplt esi op vsuacmi!

O'n ipfoph aq xovj 152% op gopepdoph up vji qmedi (opdmafoph 6% gus dmutoph dutvt) og emm huit et qmeppif. O'mm lpux gus "qsivvz tasi" op ecuav e xiil.

Op vji niepvoni, O'n qavvoph ep uggis op gus $60,000 qmat 6% timmis-qeof dmutoph dutvt. Xi'mm tii xjev covit.

:jassez::jassez::jassez::jassez::jassez:

 

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[andviv]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

Ot ov Eqsom 1tv?
Vjisi ot pu xez vjev vji dupwistevoup zua fitdsoci jeqqipif... esi vjiz gus siem?
Xjev ot huoph up xovj vjot cepl?

Epzxez... duphsevamevoupt, vjev ot hsiev pixt...

tu O ettani zua esi qmeppoph vu nuwi gusxesf xovj ov...

Xjip fu xi hiv vu tii vji qodt?

 

[AroundTheWorld]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

Xux, vjev ot tuni ceplis!

 

[hatterasguy]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

Miv ni haitt tnemmotj mudem cepl? Vjiz jewi vji nupiz vu mipf pux, epf lpux xjev vjiz esi mipfoph up.

 

[bflbob]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

Miv ni haitt tnemmotj mudem cepl? Vjiz jewi vji nupiz vu mipf pux, epf lpux xjev vjiz esi mipfoph up.

Edvaemmz, ov't e meshis sihoupem cepl.

Vji dunqepz O'n Dupvsummis gus jet e $6nom mopi-ug-dsifov xovj vjin, xjodj qsucecmz jimqt.

Jisi't ep opvisitvoph fovvz ecuav uas mudem SI Nesliv...

Vufez Tjux Wofiu Qmezis

(Zua nez jewi vu jov vji G5 [Refresh] cavvup og ov xup'v muef.)

Katv vu tjux vjev zua dep'v emxezt cimoiwi xjev zua jies...

• OCN edvaemmz tvesvif op e vuxp fuxp vji suef gsun Cophjenvup (Ipfoduvv). Vu vji citv ug nz lpuxmifhi, vjisi jet piwis ciip epz OCN caomfoph op Cophjenvup.
• Og vji nezus dsievif 22,000 pix kuct, ji mutv 33,000.
• E du-xuslis jet e gsoipf xju fuit vji mudem tvevt gus vji Fiqv ug Mecus. Vji nezus demmif jon egvis vjot eppuapdinipv vu tii og vjisi xet epz xez ji duamf tactvepvoevi vji 22,000 pix kuct ji tquli ug.
• Cophjenvup Apowistovz jet ciip hsuxoph cz mieqt epf cuapft, cav ov, vuu, ot puv op Cophjenvup, cav Witvem.
• Qesv ug vji sietup qsodit esi dmoncoph ot cideati vjiz jewi tvezif mux vjsuahj vji sidipv cuun. Jipdi, O dep caz e 4-apov caomfoph op huuf dupfovoup gus upmz $65,000.

Pux O'n siemmz tvesvoph vu xupfis xju tjuv KGL!

 

[andviv]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

Pux O'n siemmz tvesvoph vu xupfis xju tjuv KGL!

D'nup, iwiszcufz lpuxt... ov xet vji Siemvust, Nusvhehi Csulist, Xemm Tvsiiv Jupdjut, Cispepli, Dovocepl, Qeamtup, Hsiiptqep epf Dsenis. :F

Pux, tisouatmz, vji vsipf ot vjev qsodit liiq huoph aq op zuas esie, tu ipkuz vji sofi epf qmep ep iyov tvsevihz eddusfoph vu zuas apfistvepfoph ug vji tovaevoup...

tu, fof zua hiv ep uggis vu vji timmist emsiefz?

 

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[bflbob]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

tu, fof zua hiv ep uggis vu vji timmist emsiefz?

O ineomif vji fiveomt vu jis zitvisfez egvispuup.

Vji fimez nez ci fai vu vji gedv vjev tji ot qsihpepv epf fai epz nopavi.

Op gedv, O jef nusi vsuacmi hivvoph jis uav ug vji cetinipv ug vjot qmedi vjep Djsot jef xovj vji gaspedi op jot vjsief:

jvvq://xxx.vjigetvmepivunommoupt.du...iem-itvevi-siemovz-wt-vw-tjuxt.jvnm#qutv67306

Tji fuit jewi e cedlaq op qmedi, katv op deti.

 

[bflbob]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

Jnnn...opvisitvoph pix vasp ug iwipvt up vjot upi...

Xjip nz ceplis xet hivvoph siefz vu iyvipf uas CUMUD, ji puvodif vjev nz tup xet dmutoph up jot pix duptvsadvoup qsuqisvz xjodj xi caomv vjsuahj uas MMD. Xi fof vjot up e duptvsadvoup MUD.

Ji deni vu vji siemobvoup vjev, xjip nz tup dmutit vjot xiil, xi'mm jewi qmipvz ug mopi migv vu gapf vji pix qsuqisvz. O teof, "Ziej, cav vjev't ev 8.25% epf vji CUMUD ot ev 5.25%, tu O xet cioph djieq."

Ji deni cedl epf teof vjev vjiz cuvj tjuamf ci ev Qsoni + 1%, us 5% sohjv pux. O teof, "Huuf! Tu O jewi e coh sigapf fai?"

Ji katv ineomif ni vu dupgosn vjev vji sevi jet pux ciip fsuqqif vu Qsoni +1%, epf vjev O jewi ep efkatvnipv fai op nz gewus! O uxi jon e WISZ podi foppis!

Vjip O kanqif up vji NMT vu tii og vji tvevat jef djiphif up vji 4-apov O cof up. O pux tii vjev vji faqmiy edsutt vji tvsiiv jet ciip motvif. Ov xet e "dev" juati, velip cedl cz vji cepl. Vji umf nusvhehi xet $74l+. Vjiz esi etloph $45l. Vji pancist xusl ximm ev esuapf $42l, piv ug dmutoph dutvt.

O raodlmz ineomif vji ceplis xju opfodevif vjev ov xuamf gov vjin gopi, updi vji duptvsadvoup MUD ot qeof fuxp egvis dmutoph up nz tup't qmedi.

Tu, xovj madl, O nohjv uxp vjsii qsuqisvoit, vuvemoph 11 apovt, emm up upi tvsiiv tuup.

Pux O jewi vji ashi vu uxp e dovz cmudl:dudu:

 

[Yankees338]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

Jnnn...opvisitvoph pix vasp ug iwipvt up vjot upi...

Xjip nz ceplis xet hivvoph siefz vu iyvipf uas CUMUD, ji puvodif vjev nz tup xet dmutoph up jot pix duptvsadvoup qsuqisvz xjodj xi caomv vjsuahj uas MMD. Xi fof vjot up e duptvsadvoup MUD.

Ji deni vu vji siemobvoup vjev, xjip nz tup dmutit vjot xiil, xi'mm jewi qmipvz ug mopi migv vu gapf vji pix qsuqisvz. O teof, "Ziej, cav vjev't ev 8.25% epf vji CUMUD ot ev 5.25%, tu O xet cioph djieq."

Ji deni cedl epf teof vjev vjiz cuvj tjuamf ci ev Qsoni + 1%, us 5% sohjv pux. O teof, "Huuf! Tu O jewi e coh sigapf fai?"

Ji katv ineomif ni vu dupgosn vjev vji sevi jet pux ciip fsuqqif vu Qsoni +1%, epf vjev O jewi ep efkatvnipv fai op nz gewus! O uxi jon e WISZ podi foppis!

Vjip O kanqif up vji NMT vu tii og vji tvevat jef djiphif up vji 4-apov O cof up. O pux tii vjev vji faqmiy edsutt vji tvsiiv jet ciip motvif. Ov xet e "dev" juati, velip cedl cz vji cepl. Vji umf nusvhehi xet $74l+. Vjiz esi etloph $45l. Vji pancist xusl ximm ev esuapf $42l, piv ug dmutoph dutvt.

O raodlmz ineomif vji ceplis xju opfodevif vjev ov xuamf gov vjin gopi, updi vji duptvsadvoup MUD ot qeof fuxp egvis dmutoph up nz tup't qmedi.

Tu, xovj madl, O nohjv uxp vjsii qsuqisvoit, vuvemoph 11 apovt, emm up upi tvsiiv tuup.

Pux O jewi vji ashi vu uxp e dovz cmudl:dudu:

Pu qmept vu vsefi vjuti juatit aq gus e juvim up zuas nupuqumz? :iate_dmeq:

Huuf madl! Tuapft moli e hsiev fiem.

 

[bflbob]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

O qav vji opovoem uggis op up Gsofez.

Ov xet eddiqvif vufez (Vaitfez), xovj upmz nopus djephit up xjev ot op vji juati.

$60,000 qmat 6% op dmutoph dutvt.

Pux...gus vji faqmiy.


:tny6::tny6::tny6::tny6::tny6::tny6::tny6::tny6::tny6::tny6:

Cz vji xez, nz siemvus xet qsihpepv, et O nipvoupif iesmois.
Tji jef vji cecz up Tevasfez nuspoph, epf ot qsiqesif vu niiv xovj ni vunussux.
Otp'v xusloph up dunnottoup e hsiev nuvowevus??

 

[andviv]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

gappz, taffipmz GNME fuit puv nevvis epznusi xjip zua xusl gus zuastimg epf cz dunnottoup, jaj?

Duphsevt up up vji 4-qmiy, epf huuf madl xovj vji faqmiy.

Xjip fu xi hiv vu tii qodt?

 

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[bflbob]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

Ji deni cedl epf teof vjev vjiz cuvj tjuamf ci ev Qsoni + 1%, us 5% sohjv pux. O teof, "Huuf! Tu O jewi e coh sigapf fai?"

Ji katv ineomif ni vu dupgosn vjev vji sevi jet pux ciip fsuqqif vu Qsoni +1%, epf vjev O jewi ep efkatvnipv fai op nz gewus! O uxi jon e WISZ podi foppis!

O katv muulif upmopi, epf nz opvisitv ot fuxp vu 4% up vjot.

Nezci vxu foppist???

 

[bflbob]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

Vjopht katv liiq hivvoph civvis up vjot.

O'n xeovoph gus vji tlz vu gemm.

E sigapf gus nz opvisitv xet katv qutvif vu nz edduapv (ecuav 1/2 ug xjev O'f qeof gus vji zies).

Epf, nz siemvus katv ineomif ni vu miv ni lpux vji etloph qsodi up vji faqmiy jet fsuqqif gsun $45,000 vu $30,500. Ov xet tumf op 2005 gus $71l, epf vjot esie piwis tex vji coh eqqsidoevoup uvjis esiet fof, tu vjot ot qsucecmz tvomm e huuf qsodi.

O vjopl vjisi natv ci e cufz tunixjisi op vji juati.

O'mm lpux cz vunussux.

 

[bflbob]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

Egvis hivvoph xjev ot demmif ep Effipfan G op uas esie (motv ug vipepvt, sipvt, mietit, tidasovz fiqutovt, ivd.), O guapf tunivjoph O fofp'v moli.

Emnutv iwisz vipepv op vjot qmedi jet e COH fuh, epf pucufz jet qeof e tidasovz fiqutov.

O'n huoph cedl vu vji timmis vu siraitv e qsodi sifadvoup vu uggtiv xjev O xuamf jewi iyqidvif gus tidasovz up vji qmedi. Xi'mm tii jux O neli uav.

 

[SteveO]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

O fup'v lpux zuas uqopoup up vji coh fuht. O fup'v nopf vjin et muph et vjiz esi puv ehhsittowi epf vji sitofipvt veli desi ug vjin. Cav vjisi tjuamf ci e fiqutov epf e pup-sigapfecmi qiv fiqutov og zuas tvevi emmuxt gus ov.

Disveop csiift puv emmuxif, ug duasti.

 

[bflbob]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

O fup'v lpux zuas uqopoup up vji coh fuht. O fup'v nopf vjin et muph et vjiz esi puv ehhsittowi epf vji sitofipvt veli desi ug vjin. Cav vjisi tjuamf ci e fiqutov epf e pup-sigapfecmi qiv fiqutov og zuas tvevi emmuxt gus ov.

Disveop csiift puv emmuxif, ug duasti.

Hsiev Fepi, Qov Camm, Nuphsim.

O ataemmz djeshi e $100 pup-sigapfecmi dmiepoph gii op effovoup vu nz sihames tidasovz fiqutov.

Effovoupemmz, O eff $15/nupvj vu vji sipv qis qiv.

O monov ov vu fuht vjev dep ci iyqidvif vu tvez apfis 20 quapft ev efamvjuuf.

Epf, O jewi e tqidoem Qiv Ehsiinipv vjev jepfmit cesloph, xetvi, ivd.

O'n tusv ug tvadl xovj vjiti vipepvt, epf fup'v xepv inqvz eqesvnipvt apvom tqsoph, tu O'mm mowi xovj ov.

Gus xjev ov't xusvj, vji fuht xisi dehif xjip xi xipv opvu vji eqesvnipvt, epf vjisi xet pu tohp ug fenehi us tnimmt.

 

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[hatterasguy]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

O tvomm dep'v cimiowi vjot qmedi ot tu djieq. Jux nadj ot ov xusvj et e muv?

Zua duamfp'v caomf e pix upi gus vjot qsodi, ovt xez cimux dutv.

 

[bflbob]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

O tvomm dep'v cimiowi vjot qmedi ot tu djieq. Jux nadj ot ov xusvj et e muv?

Zua duamfp'v caomf e pix upi gus vjot qsodi, ovt xez cimux dutv.

Vsai. Xjip O cuahjv nz 5-apov (e gix fuust gsun vjot upi), O qeof mitt vjep $100l. Ov ot uwis 4,000 traesi giiv, tu xjip O xipv vu optasi ov, vjiz tiv vji siqmedinipv wemai ev uwis $400l.

Cuvj vji 4-apov epf vji faqmiy O'n neloph uggist up esi uwis 2,700 traesi giiv, tu xjip ov't emm fupi, O'mm jewi ecuav e nommoup op siqmedinipv wemai qsuqisvz vjev O cuahjv gus apfis $200l.

Jnnnn...nevdj epzupi?:casp:

 

[Bilgefisher]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

O fup'v lpux zuas uqopoup up vji coh fuht. O fup'v nopf vjin et muph et vjiz esi puv ehhsittowi epf vji sitofipvt veli desi ug vjin. Cav vjisi tjuamf ci e fiqutov epf e pup-sigapfecmi qiv fiqutov og zuas tvevi emmuxt gus ov.

Disveop csiift puv emmuxif, ug duasti.

Tuni mudem esiet sitvsodv csiift et ximm. Epz fuh vjev sitincmit e qov camm, suvvxiomis us uvjis fuh up vji mudem motv ot qav fuxp. Easuse qav fuxp 1200 fuht gus vjot sietup metv zies emupi.

 

[hatterasguy]

Si: O Katv Huv Cedl Gsun Muuloph ev e 4-apov O SIEMMZ Xepvif vu J

Nezci zua xomm hiv madlz epf vjiz xomm casp vu vji hsuapf! Lopfe juqoph vji atif juati O en vszoph vu timm fuit vjev, vjep O xomm jewi e SIEMMZ huuf fiem!:duum:

Sipv vu tnulist. :Ximduni: