Mortgage-free, tiny home on a housekeeper’s salary

Johnny Sanphillippo has not ever made greater than $20,000 per yr (he works as a housekeeper, in addition to, a gardener and house painter), but also he knew like “every other American” that he desired to possess his very own home.

When he talked to bankers about qualifying for a home mortgage, “they look at you and their eyes glaze over and you realize, they’re going to give me a lollipop and send me home, which is pretty much what happened”. So he determined that if he went far enough away from his hometown of San Francisco he might locate something he may afford to purchase with money.

He ultimately heard about a deal in Hawaii (back when oil was inexpensive and airline tickets had been $99 from SFO) and for $3000 cash he purchased himself an empty lot in a failed subdivision on the Big Island.

Without a mortgage, he knew he could not afford to construct a traditional home. He’d always adored tiny houses, however the permitting office wasn’t as keen about enabling him to construct small. So he had plans drawn up for a conventionally-sized home, plus a 400 sq. foot garage. He simply developed the garage.

Once the inspectors signed off on his totally-equipped garage (which included a toilet, utility sink, electrical energy, septic system and rainwater trap), he let them know he wasn’t planning on constructing the house. Then he set about swapping the garage door for sliding glass and the utility sink for a common kitchen.

Instead of relying on a mortgage to purchase a house up-front, he needed to do it the gradual manner, in stops and starts as he labored to repay he step of the method. First, he saved up for a foundation, then the shell, then septic, etcetera and at present, 13 yrs later, the home is finished.

Johnny Sanphillippo’s web publication:

Original story & even more data:

Be the first to comment

Leave a Reply

Your email address will not be published.