A few months ago DJ and I decided we were tired of living an hour away from the action.

You see, we live an hour north of the town where he works (running the family business), the town where Dylan is in preschool, the town with the good schools, the town with the good shopping and restaurants, the town with the college girls who make really good baby sitters so Grandma doesn’t have to do it all the time, the town with, well, everything our town doesn’t have.

Not that we don’t like where our house is.  But, really, we need to be closer to where we LIVE.

So we decided that, come hell or high water, we’re going to figure out a way to move down there sooner rather than later.  We pledged that we’d get our asses in gear and get our house finished up so it’s ready to be rented out, at a premium, because, DUDES, the housing market has kicked our ass in the past six years.

But I digress, because this is about me and my high falutin’ ideas.

We were originally discussing renting a house in Santa Barbara.  You know, because that way we don’t have to have a down payment.  Those can get expensive, especially around these parts.

But then we started noticing a few homes near Dylan’s preschool.  They’re gorgeous Craftsman style houses and there are about five of them available.  The catch?   The builder ran out of money half way through the project, so they’re all unfinished.  As in, only one of them has siding and a complete roof, and they’re all no further along than stud framed rooms on the inside.  Which, yeah…

Because they’re foreclosures they’re being offered at a decent price, and because of the current state of the housing market, they’re an even better deal.  Santa Barbara is one of the most expensive housing markets in California, so as soon as home prices start to increase, the value on these babies will go up. A lot.  And fast.

So, not being able to help myself, and being someone who could spend DAYS tromping through model homes and open houses, I called a Realtor and made an appointment to go look at them tomorrow.

I’m either not going to like the floor plan, which will effectively end my house worship (because let’s face it, I’m picky), or I’m going to LOVE it and spend days and days and days trying to figure out how to come up with a down payment*.

I know I’m insane, and I’m totally torturing myself.  It’s a curse.  It really, really, really is.

But can’t you see the possibilities?

Don’t let the fact that it’s unfinished scare you off.  The thought of being able to pick out floors, cabinets, appliances and otherwise decorate the entire inside of a house makes me positively giddy.

*In an effort to come up with a down payment the *easy* way, I  bought a lotto ticket yesterday.  I didn’t win the $11 Million dollar jackpot, but I did get 3 numbers, so I won $10!  That’s enough to get me into the next draw.  Please keep your fingers crossed for me.  Also please pray that I haven’t just become addicted to buying lotto tickets.

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