Tiny House Magazine Issue 27

Tiny House Magazine Issue 27

Last month I had several requests via Instagram to feature tiny house bathrooms. I assigned Andrew Odom to this task and our special feature Tiny Bathrooms Big Ideas shows off some great tiny house bathrooms.

Melissa Tack shares with us her tiny Eight by Eight house that she has designed. This design is based on a home with a foundation with only a sixty-four square footprint.

Tabatha and Noah Mehl are a couple based out of Cincinnati, Ohio. In October 2014, they began renovations on a 53’ semi trailer to turn it into a tiny home.

Have you ever stood in the middle of a wide open space, soaked in the quiet, felt the breeze and dreamed you could just drop a house down right there and live? So has Nathan Venzara shares his story on “Down on the Farm.”

These stories and so much more are included in this issue of the Tiny House Magazine. Enjoy!

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Tiny House Magazine Issue 27

Are These Tiny House Loans for Real?

Tiny House Lending

An interview with Kai Rostcheck from Tiny House Lending

Kai Rostcheck is convinced that the Tiny House Movement is more than a cottage industry. Last year he launched Tiny House Dating, which exploded and had to be rebuilt after mainstream media caught wind of it. Now he has launched Tiny House Lending, which aims to be “The easiest, fastest way to find funding for your Tiny House purchase!” We got a hold of him to find out whether it’s true: Can Tiny House Enthusiasts now get loans to buy or build a Tiny House?

Tiny House Blog: We have two main questions.

Kai: Go for it.

Tiny House Blog: First: Is Tiny House Lending for real? Are people actually finding Tiny House loans through your website?

Kai: Wait, that’s a two-part question. Are you cheating?

Tiny House Blog: (laughs)

Kai: Yes, Tiny House Lending is real. We are connected to a nationwide lender that can offer bank-backed personal loans.

Tiny House Blog: Ok let’s stay with this part for a minute. Tell me more about the kinds of loans, terms, the application process, etc.

Kai: Potential borrowers must have good to excellent credit to apply. Loans are available up to $100k, for terms as long as 84 months. RVIA certified park model RVs loans begin as low as 2.99% APR. Other Tiny House loans (for non-RVIA certified pre-built models, or for people who want to buy materials and build themselves) can be as low as 5.99%. Our lenders serve residents of all 50 U.S. states.

Tiny House Blog: So ideally, someone could listen to our interview or read the transcript then go to Tiny House Lending and apply. How long does the application take, and how long would they have to wait to find out if they are approved?

Kai: One important clarification: Tiny House Lending gathers just enough information to help match borrowers to a qualified lender. Right now we have one main partner but the site is built to scale quickly as we add more. We find a match, then the borrower clicks over to the lender’s website to apply. Applications take about 10 minutes to complete and decisions can be processed in as little as a few hours!

Tiny House Blog: So really, someone who has been waiting on financing could now be only a few minutes away from the next step of their Tiny House dream? That’s exciting!

Kai: It’s thrilling. We’re taking a small but important step toward further legitimizing this movement.

Tiny House Blog: Ok, but here’s the second question: Should people take out a Tiny House loan? I sense that many of our readers are going to have a hard time swallowing that idea.

Kai: Yeah, it’s the “debt-slavery” conversation. Here’s the deal: personally, I think that cash is the way to go if you can afford to self-finance. But I’ve been conducting market research for a year and I can say with 100% certainty that there are thousands of Tiny House Enthusiasts out there (maybe tens or hundreds of thousands) who are stuck in the rent cycle. They give cash to their landlord every month and can’t save enough to break free. In those situations especially, and even accounting for the interest they could pay on loans, there are many scenarios in which they can get further ahead by financing a Tiny House. Here’s a loose example: $900/month in rent for 3 years equals $32,400. That’s enough for a nice Tiny House but it’s entirely wasted on rent. Take out a loan and yes, you’d pay interest (the percentage rate matters, for sure). But don’t lose sight of the fact that you’d pay back the loan, own an asset and live rent-free forever!

Tiny House Blog: Ok this is sounding great. How should borrowers get started?

Kai: It’s simple – just visit www.tinyhouselending.com and click “Get Started.”

To see if you qualify for a Tiny House loan visit www.tinyhouselending.com.

Tiny House Lending Logo

Tiny House Needed in Tacoma Washington

Evergreen College

As a college student of the Evergreen State College Tacoma Program in Washington State I participate in group research every quarter. Additionally the entire student body forms groups during Winter Quarter and spend six months researching a topic they are interested in. This year my group has been studying the Tiny House movement. The capstone to all of this research will be showcased on Saturday, May 16, 2015 when the campus will be open to the public to show off all of our hard work.

My group would be thrilled to find someone with a tiny home who would like to allow tours during the day. It is approximately four hours in length. If you can participate please contact me via the email below.

Thank you,
Cynthia Rose
e-mail: roscyn29@evergreen.edu
The Evergreen State College Tacoma Program Student
1210 6th Ave., Tacoma, WA 98405

Jumping Creek Pottery Tiny Studio

studio

By Chillia Zoll

What can I tell you about being a builder?  I can tell you that I love to toss numbers around in my head and figure out how to stretch lines into curves.  A stationary nail connected to a string and tied to a pencil sets an easy arc to any piece of wood.  This is usually how I start dreaming up rounded buildings and figuring out how wind, gravity, sunlight and snow will react.

Carpentry in Canada seems always to include late Falls in trenches, pouring concrete foundations.  Gravel slipping into my wet carpenter’s pouch, rusting my common nails, losing my drill bits, and ruining my tape measure.  Construction means numb fingers, blossoming pain tolerance and callused feelings. Continue reading