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How to Buy a House When You’re a Server (Yes, It’s Possible)

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Let’s get one thing out of the way right now: Being a server does NOT mean you can’t buy a house. It just means the process looks a little different than it does for someone with a steady 9–5 paycheck and zero cash tips (lucky them). If you live off a mix of hourly wages, tips, and hustle, this one’s for you. 1. The Biggest Challenge: Proving Your Income Lenders don’t hate servers — they hate unclear income . Most servers earn: Hourly wages Declared tips (Sometimes) undeclared tips 👉 Here’s the truth: Only declared income counts when qualifying for a mortgage. What helps: 2 years of consistent serving income Tips reported on your tax returns Stable employer or industry history Pro tip: If you’re planning to buy in the next 1–2 years, start declaring your tips now. Future you will be grateful. 2. Taxes: The Necessary Evil That Helps You Buy Yes, declaring tips means paying more tax. But it also means: Higher qualifying income Better mortgage options Less stress at approval time Th...
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Your Kingston Home Didn’t Sell Last Year — Here’s How to Get It Sold This Year

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If your Kingston home didn’t sell last year, you’re not alone. Many well-priced, well-maintained homes across Kingston and the surrounding area sat on the market longer than expected. The good news? A home that didn’t sell last year can absolutely sell this year — often for a better result — with the right strategy. Let’s break down why homes don’t sell and what you can do right now to improve your chances. Why Your House May Not Have Sold There are a few common reasons homes linger on the market: Pricing wasn’t aligned with the market Even small pricing mismatches can push buyers away, especially in changing market conditions. Marketing fell short Poor photos, limited exposure, or weak online presence can drastically reduce buyer interest. Condition or presentation Buyers are emotional. Clutter, outdated finishes, or deferred maintenance can turn them off quickly. Lack of a clear selling strategy Listing a home isn’t enough — timing, positioning, and negotiation matter. How to Sel...
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5 Alternative Living Options That Go Beyond Traditional Housing

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As housing prices continue to rise, many people are exploring simple, flexible, and affordable ways to live. Whether you’re looking to save money, embrace minimalism, or live a more mobile lifestyle, there are plenty of creative alternatives to a standard residential home. Here are five of the most popular options— tiny homes, campers, sailboats, skoolies, and van conversions —complete with pros, cons, and average costs to help you choose the right fit. 1. Tiny Home on Wheels (THOW) A tiny home on wheels offers the comforts of a small house with the freedom to relocate when needed. Built on a trailer frame, they’re designed for full-time living and can handle four-season climates with proper insulation. Average Cost $40,000–$120,000 depending on size, finishes, and whether it's DIY or professionally built. Pros Feels closest to a traditional home Fully customizable layouts Four-season living possible with good insulation Low monthly costs when parked on private land Large resale m...
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