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biondablonde t1_j2dmexx wrote

I would absolutely forget about the rural house - you don't like anything about it except the price. It sounds like it's also a bank foreclosure which could mean issues with big ticket repair items. Mediocre schools are the cherry on top - it would be a shame to move your daughter to a poor district when she is so close to finishing K-12.

The $282K house may be a bit of a stretch financially at current interest rates, but your income should grow and you can always refinance when rates drop. You also won't have to deal with a ton of maintenance issues right away since it's a new build (you hope, anyway). Keep your lifestyle spending at the same level as it was when you were making $60K and you should be fine.

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killaho69 OP t1_j2et42o wrote

The rural house does have a new roof, new AC, and new hot water heater. The wood in the attic looked good from the ladder, and the wood/vapor barrier in the crawl space looked good too. But it definitely has a cheaper feel build quality. I'd be confident in it, but the other house definitely feels more solid and feels more well made. But yeah I just can't get excited about the area, even though it is much closer to family.

The new one comes with "builder warranty and RWC home warranty". I don't have a ton of faith in builders but if the other is 3rd party and an actual warranty company, that would help.

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