Kabbage Small Business Loans

In Business Capital, Kabbage Small Business Loans, Working Capital Loan by Janet Thome

Kabbage Small Business Loans: Up To $250,000

Kabbage approves small businesses for flexible lines of credit in minutes. Business owners apply online by connecting their latest business information to get a decision right away.

Choice Of Terms

6, 12 or 18 month terms

How A Kabbage Line Of Credit Works

  • Apply online
  • Enter basic business information and link your revenue data online or through our mobile app
  • Your  business performance to let you know how much working capital you can access
  • Take the amount you need now and come back whenever you need more capital to grow your business

Qualifying: Apply is free, no obligation to take the funds

  • Must be in business for at least one year and have a minimum of $50,000 in annual revenue or $4,200 per month over the last three months
  • Secure 100% online application
  • 24/7 access to credit line
  • Simple, monthly payment
  • No origination fee
  • No cost to maintain your line
  • No early repayment fees
  • Pay only for the funds you use

Small Business Loans For The Real World

  • Available for all types of businesses
  • Access your line of credit immediately
  • Use what you need up to once a day
  • Monthly payments with simple fees

Be Ready No Matter What Your Business Needs

  • Expand your products and services
  • Stock up on inventory
  • Launch an advertising or marketing campaign
  • Upgrade your equipment

Three convenient ways to take Kabbage funds

  • Kabbage app
  • Dashboard
  • Kabbage card

How Are Fees Calculated?

Every month, you’ll pay back an equal portion of the loan principal plus the monthly fee. Kabbage 6- or 12-month loans have a fee every month you have a balance, while 18-month loans have the loan fees accrued in full at the time the loan is funded and an equal portion of the fee is paid each month for 18 months, regardless of reduction of your balance.

What Fee Rate should I expect?

Kabbage Fee Rates range from 1.5% to 10% based on a number of business performance factors. Apply to find out what your Fee Rate could be.

Kabbage

My Referral Link

Block Project Seattle Backyards Needed

In Block Project by Janet Thome

Block Project Seattle Backyards Needed

Yes In My Backyard: The Block Project

Block Project

The Block Project in Seattle is uniting homeowners that have room to spare in their backyard with a resident that has been homeless, providing them with their own self sufficient Block Project Tiny Home. Their OWN  home, Wow! a term perhaps we take for granted if we have never been without one.

A home that can bring back safety, privacy and pride with a door that can be locked and they can sleep again in peace, knowing that they were seen and that they matter. For some it might mean they can get employment because they can be clean again. It can also mean that they are included in gatherings again like a family, sharing meals and projects together.

The Block Project and Rex Hohlbein, the founder  of Facing Homelessness  is on a mission to end homelessness one tiny home at a time. More backyards needs. Can you Say Yes In  My Backyard.

 

Rex is an architect and started Facing Homelessness on social media and it has transformed into a non profit and The Block Project.

Facing Homelessness connects a name, their face  and tells the story of each person, without judgement. Rex shares their hopes and dreams and immediate needs and so gently asks for a tent, a camera, a hotel stay, a dentist, paint supplies or whatever the person is in need of. I read every story, donate when I can, share and always cry at the beauty of the real humanity that I know we are.

Please listen to the Ted Talk and you will know that Rex is the real deal, he can ask for a donation and people come forward immediately and answer the call of love to our neighbor and it changes their life dramatically, restoring their hope and for some, it saves their life. Their smiles could light up the universe!

 Recently Post: Leah’s Story On Facing Homelessness

Block Project

A few months ago we heard about a woman in a wheelchair living in a tent. We decided to check it out. Anyone home? An abrupt voice answered, “No help needed thanks”. The anonymous woman confirmed she was wheelchair bound but little more. The voice was not trusting. Fair enough. This would make sense later. We walked away in the rain.

But  our visits and conversations grew over the following days. She finally opened her tent fly and we caught a quick glimpse. Not sure what we were expecting but it wasn’t this. A smile and bright eyes. Her voice sounded different. Softer. Leah had been holding out on us.

We later discussed housing options with Leah. She was agreeable. On our way to the shelter she explained through tears how she had lost faith in humanity. There were no kind people left in the world. Darkness and exploitation were her constant companions. She was suspicious of anyone approaching her tent.

After a few weeks in emergency housing Leah graduated to her own apartment in a clean and modern building. She pointed with pride at clean clothes on hangers. Clothes folded in stacks. A neatly made bed and a Seahawks blanket. Products of epic dreams? Maybe so.

Leah spoke of her experiences on the street. “People look at you like you’re garbage. But we are people just like everyone.” She asked us all to consider how it would feel if she was one of our own children. When you get to know Leah you discover she is someone you already knew.

She likes to watch cloud shapes and put on makeup. She likes to cook and has visions of owning a food truck that serves home-style cooking. She loves her children. She likes Ben & Jerry’s American Dream ice cream. She’ll laugh with you and poke fun at you. She’ll cry with you. She’s a sweetheart and a smart aleck. She’s everyone we already know. Because she is already all of us. Leah is everyone’s child.

Rex Is Teaching Us To Say Hello And  Not Look Away

Block Project

Through its integrated design, this project will not only offer opportunities for healing and advancement to those formerly living on the fringes of society, but it will also bring connection, relationship, and compassion to the center of our lives and communities.

Yes In My Backyard

Block Project

Many social injustices, including homelessness, are perpetuated through emotional and physical separation, which allows us to get stuck on the complexity of the issue. By literally saying, “Yes, in my backyard”, we will begin to see the person afflicted by the issue.

Global Movement To Create Compassion And Empathy

Rex believes this will nurture the empathy needed to catalyze a global movement. Their  vision is to make this model accessible nationwide and create a foundation of compassion and empathy for future generations.

The Block Project Tiny Home Features

Block Project

  • 125 Square Feet
  • Off Grid And Self Sufficient
  • Bathroom
  • Kitchen
  • Sleeping Area
  • Solar Panels
  • Grey Water System
  • Compost Toilet
  • Deck
  • Storage Area

Host And Resident Create Their Own Criteria

Hosts and residents are encouraged to define and shape their own relationships, with the primary expectation being that each is a good neighbor to the other. Hosts and residents are united by a number of criteria, including their desired level of involvement in each other’s lives. Some hosts and residents are very involved in each other’s lives, regularly having dinner together and attending social events; while others happily share space but connect less frequently.

Goal For 2020 Is To Have 12 More Homes In Seattle’s Backyards

Block Project

The Block Project has a goal to have 9  Block  Homes completed by the end of 2019, they are on schedule to make that happen, with all 9 Hosts already on board and in process!!!

The  2020  goal is to build 12 more Block Homes, they  have 6 excited Host potentials and are looking for 50 more applicants to select the remaining 6 for next year! Rex is asking if you do not have the backyard, then share, donate or be a messenger of this noble project.

Block Project First Host And Resident

Host Requirements

  • Own a single-family home in the City of Seattle

  • My lot is greater than 4,000 SF

  • I have a yard that can accommodate the BLOCK Home/patio (approximately 17′ x 17′)

  • I do not currently have, or plan to build, a Detached Accessory Dwelling Unit (DADU)

  • I will communicate early if I rent a spare unit (with full kitchenette) for greater than 30 day periods

  • I will communicate early about any known drainage problems and/or easements on my property

  • No one in my household has a history of violence or abuse

  • I am comfortable providing three (3) character references from diverse areas of my life

  • When equipped with the right information, I am comfortable reaching out to my neighbors about The BLOCK Project

  • * Current ADU EIS legislation is in the process, which would allow both a DADU (the BLOCK Home) and an ADU on the same property. Follow along here.

Host Interest Form

Happy Faces Who Were Blessed With A Home

Block Project

 See More Completed Homes

 BLOCK Residents are referred to the BLOCK Project by one of our partner agencies; Chief Seattle Club, Community Psychiatric Clinic, or Mary’s Place. BLOCK Homes are located in residential neighborhoods throughout the city of Seattle and prospective Residents and Hosts are matched based on location and common interests. Please check out our FAQs for more information. 

Are you an Architect? Do you know an Architect?

If  the answer is YES to either of those questions, this is your moment to get involved, or get your architect friend involved, with the very VERY prestigious organization Architects Without Borders

Everyone at Facing Homelessness & BLOCK Architects is inviting the local architectural community to step forward in partnership with AWB to help the BLOCK Project!

Architects Without Borders is an organization which creates opportunities for designers to make things better and The BLOCK Project gave me an opportunity to volunteer for something I see every day that could be made better; helping people without homes, find one. Not a shelter, not a temporary space or someone else’s home but a permanent home of their own. I get to be a part of that!

So Architects, take the next step, remove those borders keeping you from getting involved and join the wonderful and amazing people at Architects Without Borders. This is an easy and important way to make a difference for the BLOCK Project! Details.

Plumbers Without Borders are partnering with The Block Project. FB Page.

Block Project

Please Share, Donate, Volunteer, Or Just Be Kind

And If You Can:  Say Yes In My Backyard

Do You Ever Say Someone Needs To Do Something And Realize That Someone Is You?

The Block Project Seattle

Operation Tiny Home

In Down Payment Assistance, Operation Tiny Home, Tiny Home Grants by Janet Thome

Operation Tiny Home

Operation Tiny Home

Welcome Home Down Payment Assistance Program

I am so over the moon, we have just been approved to be a listed  builder with Operation Tiny Home for their down payment assistance program! Operation Tiny Home as joined together with Sutter Home Family Vineyards and Wells Fargo to provide a down payment assistance grant to qualified applicants.

The  Down Payment Can Be The Challenge

Many potential tiny home buyers are well qualified and ready for homeownership, but often the down payment is often a hurdle that is too high and often seems like a fruitless effort. Help is here!

Down Payment Assistant Grants

The Down Payment Assistance Program provides stable housing opportunities for our community heroes and/or those that are dealing with hardship, such as natural disaster from fire or hurricanes. Eligible applicants can receive a down payment assistance grant, which applies toward the down payment on a loan for a professionally built custom tiny home that is either built on a trailer or a foundation.

Our program is designed to offer the support, training, and resources needed for successful tiny home ownership, including offering ongoing mentorship resources and an online tiny home ownership course.

Operation Tiny Home Matches The Down Payment Funds 2: 1

We are committed to providing access to affordable housing choices. Down payment assistance grants empower those that are struggling with hardship. For those that need support to overcome housing instability and meet our eligibility requirements, a down payment assistance grant may help.

Do You Qualify for Down Payment Assistance?

The application process consists of completion of the application form, background check, and a phone interview.  Operation Tiny Home considers applicants without regard to race, religious preference, gender, handicap, familial status or national origin.

You must meet the following criteria listed below.

Requirements:

  • You must be pre-qualified for financing and working with an Operation Tiny Home approved professional tiny home builder;

  • The purchased tiny home must be your primary residence;

  • You must be a US citizen or permanent resident;

  • You must have a verifiable long-term legal location secured to build or place your tiny home.

Who Can Apply:
The applicant must demonstrate that they are in need of housing and fit the following criteria:

Community Heroes:

  • Military and Veterans

  • Law Enforcement

  • Fire Fighters

  • Emergency Medical Personnel

  • Pre-K – 12th Grade Teachers

And/Or

People Struggling with Hardship:

  • You Live In An Area That Was Affected By A Hurricane, Wildfire, Or Any Other Natural Disaster;

  • Illness;

  • Aging Out Of Foster Care;

  • Disability;

  • Surviving Spouse Of A Military Member Or Public Protector

  • Application Process:
    Once we receive your application we will review your information and contact you within 14 business days.  You may be asked to provide additional information (including, but not limited to the following):

    • Proof of Identity

    • Proof of Military Service

    • Proof of Disability

    • Signed Authorization to Release Information

Operation Tiny Home

How To Apply

The first step in applying for a down payment assistance grant is to contact an Operation Tiny Home professional build partner. You will work together with your builder to discuss your specific tiny home living needs and obtain pre-approval for a bank loan. Once you have been pre-approved for your loan and your builder has determined that you are eligible for down payment assistance, your builder will contact us to request that we send you a grant invitation from Operation Tiny Home.

Are You Interested In Sponsoring The Welcome Home Down Payment Assistance Program? Click Here.

Operation Tiny Home

Additional Operation Tiny Home Programs

Building A Better Future For Our Veterans

Operation Tiny Home

Tiny Home Building Workshops with Zack Giffin

Our free workshops are led by Operation Tiny Home team member, Zack Giffin, co-host of A&E’s popular TV show, Tiny House Nation. Zack not only brings star power but a wealth of knowledge and experience to every workshop, offering veteran participants a once in a lifetime chance to have hands-on instruction from one of the industries most recognized experts in the field.

Our program objective is to go beyond providing a simple housing solution. We provide hands-on educational training opportunities for veterans to enhance their building skills while offering a unique opportunity for them to give back to a fellow veteran in their community.  Participants learn carpentry skills, build confidence, and develop a supportive community as a resource to overcoming housing instability. Learn More

Dignity Housing For Native Americans

Operation Tiny Home

Affordable Tiny Housing Solutions & Community Workshops

Operation Tiny Home partners with like-minded nonprofits across the nation to provide apprenticeship training workshops for Native Americans that seek to build high quality alternative housing options and tiny home communities. We teach program leaders and community volunteers how to build custom tiny housing solutions through hands-on construction and carpentry training workshops while building a home that will be donated to support housing needs in their community.

Our objective is to go beyond providing a simple housing solution. Our focus is to empower participants to build a better future for themselves while cultivating sustainable communities to create lasting transformation in housing stability within their community.

Our free workshops provide participants with access to resources, education, and new opportunities to facilitate personal growth, self-sufficiency, and fulfillment. Over the course of our immersive hands-on workshops, we cover a wide range of topics including construction terminology, foundation considerations, design, framing, sheathing, roofing, siding and trim, windows and door installation, finish carpentry, and multi-functional furniture design to creatively maximize small spaces. Learn More

Check Out Another Down Payment Assistance Program For Oregon Residents: Nedco

If you feel you will meet the qualifications for a grant, please call or email me and I can can get you pre approved for a loan and send you an invitation to the Operation Tiny Home Grant!

janet@tinyportablecedarcabins.com

509 345 2013

Cell 509 770 1694

Oregon Titling Park Models

In Building Codes, Oregon Residents by Janet Thome

Oregon Clarifies Tilting Park Models

Park Models

Continued Problems Between Two Agencies August 26th, 2019

The Oregon DMV, meanwhile, said state law until recently prohibited it from providing titles to park model RVs because they’re not street-legal and aren’t considered a vehicle. The Legislature passed House Bill 2333 to expand the DMV’s responsibilities to include park model RVs, but that law doesn’t take effect until Jan. 1.

Article Source The Oregonian

Bill Update Effective January 1st, 2020

Allows Optional Titling of Park Model RVs by DMVHouse Bill2333 Effective Date: Jan.1, 2020

“Park Model Recreational Vehicle” (PMRV) is the term for a cabin-like structure, manufactured for temporary or seasonal use, mounted on a trailer, and having an area less than 400 square feet. Most exceed the usual 8.5 foot maximum widthto be considered a “vehicle” under current Oregon statute. They have been existing in a legal gray area for some time, with no state or local agency issuing them an ownership document. Such documents are routinely required for purchasers to secure financing. House Bill2333 codifies a definition of PMRVs, to be further detailedby DMV in rule, and specifies PMRV’s eligibilityfor an ownership document at DMV via the optional titling statute. The bill specifically prohibits DMV from issuing registration ( license plates ) to a PMRV.

Article Source Oregon.Gov

Oregon Update July 3rd, 2019

Article Source Tiny Home Industry Association

In 2017, The Oregon Building Codes Division Changed The Definition Of Park Models

In 2017,  Oregon decided not to allow park models to be titled at the DMV, after the Oregon Building Codes Division changed the definition of  park models.  I am simplifying the story, but it actually turned out to be a mistake. See articles at the end of the blog post for the backstory.

This decision caused an avalanche of problems for consumers, builders, lenders,  zoning and over all anyone involved in this industry in the state, or manufacturers from other states that sold to parties in Oregon.

We actually had an Oregon  customer in the middle of this mess. I spoke with an assessor’s office in the state a year ago and he advised me to have the customer come into the office and they would be given a Home ownership’s document and added to a personal property tax roll. He also told me they would then  appraise the home sometime after Jan. 1st. A title could not be issued.

Spring Forward To Today

I decided to do some research on this today to see if Oregon had changed it’s views on titling park models. I found an article saying it had finally been clarified and they were going to be titling them again.

I called the same assessor’s office and they told me that nothing had changed. I mentioned the article and they were not aware of it. I then googled a Bend builder and he clarified everything for me and in fact was a moving force of changing the ruling. I spoke to Micheal J of 121 Tiny Homes. He was gracious with his time and I was grateful that he cleared it up for me and potential customers.

After speaking to him, I found only about 3 more articles. You would think such an announcement would have been widely covered in the media and celebrated, but the new ruling was barely even
covered and not all parties that needed to know the ruling were notified.

Press Release From The State And DMV

After a lot of research, I found a press release from both the DMV and the State, so I feel confident that I am sharing relevant news, even though it is a year old. Yes park models can be titled in Oregon again!

SALEM – The Oregon Building Codes Division (BCD), in cooperation with Oregon Driver & Motor Vehicle Services (DMV), filed an administrative rule June 1, 2018, to help provide a mechanism for recreational park trailer (tiny houses on wheels) manufacturers to obtain an ownership document from DMV.

The new rule defines a “recreational park trailer” as:

• A single living unit that is primarily designed and completed on a single chassis, mounted on wheels, to provide temporary living quarters for recreational, camping, or other seasonal use;

• Is certified by the manufacturer as complying with a nationally recognized standard for the construction of recreational vehicles; and

• Has a gross trailer area not exceeding 400 square feet in the setup mode.

“We believe this rule will help provide clarity for manufacturers and allow an unfettered path to titling these types of recreational vehicles in Oregon,” said Mark Long, Building Codes Division administrator.

BCD filed the rule change after learning its attempt to deregulate this important emerging industry inadvertently affected the eligibility for tiny houses on wheels to apply for a vehicle title.

Under the new rule, DMV will be able to issue a title for recreational park trailers and file the ownership information in its records. Recreational park trailers may be moved in the following ways:

• Shipping by a commercial moving company

• Vehicle trip permit from DMV –http://www.oregon.gov/ODOT/DMV/pages/vehicle/trippermit.aspx

• Over-dimension permit from the Motor Carrier Transportation Division if the load is more than 8.5 feet wide – http://www.oregon.gov/ODOT/MCT/Pages/Over-Dimensio…

DMV is currently informing staff at its 60 field offices and headquarters processing center to start accepting title applications for recreational park trailers.

Any time you need to visit a DMV office, first check www.OregonDMV.com to find office hours and locations, and to make sure you have everything you need before your visit. You also can do some DMV business from home at OregonDMV.com.

The Building Codes Division is part of the Department of Consumer and Business Services, Oregon’s largest business regulatory and consumer protection agency. Visit www.bcd.oregon.gov.

Contact Info:
Brett Salmon, stakeholder outreach/public affairs
Building Codes Division
503-378-8034
brett.d.salmon@oregon.gov

David House, DMV/Motor Carrier Public Affairs
503-945-5270
david.j.house@odot.state.or.us

Article From Oregon.Gov

Article From DMV

Tiny Home Builders Say Rule Keeps Industry Small

This is a little bit of the back story in Oregon. Click Here.

Proposed Oregon Rule May Impact Park Models

Article  Click Here.

Oregon Ends State’s Options For Movable Tiny Houses

Article Click Here

Where The Madness Began

Article Source Click Here

BCD Issues New RV Construction Rule Feb 3th, 2017

The changes were developed because of confusion as to when a building is to be considered a temporarily occupied recreational vehicle and when it falls under the requirements of the building code. Many recreational vehicles can be designed to look like a regular house, such as is common with the so called “Park models.” The rule change will allow the local community to regulate when temporary structures can be occupied and when building permits will be required for those that are deemed to not be temporary.

Article Source Oregon Home Builders Association

More Backstory: Public Comments On Reddit

Article Click Here

Down Payment Assistance: Nedco

In Down Payment Assistance, Oregon IDA Funds, Oregon Tiny Home Grant! by Janet Thome

Down Payment Assistance: Nedco

Nedco

Nedco which stands for Neighborhood Economic Development Corporation is a nonprofit community development corporation in Oregon City, Oregon. Nedco services the entire state of Oregon.

They Have Openings Now

One of the reasons I want to share this non profit is because they have an IDA program and they have some openings now! Oregon is one of the top states for IDAs. Many of the programs are full with a waiting list or funding through a lottery, so I was thrilled to find one with some openings! Zach Janousek, an Asset Building Specialist in charge of this program told me that they are often full, but then they begin again the next year.

First I want to let everyone know about the services of Nedco and their IDA program and at the end of the blog post, I will share how this fits into buying a tiny home. There is also an up and coming grant for a down payment assistance for a home purchase coming soon! Keep reading. If you are not an Oregon  resident, I have a link for the National Directory Of IDAs below. Also check out Operation Tiny Home to see if you are eligible for their Nationwide down payment assistance grant. The link is below.

What Is An IDA: Matching Savings Account 3:1

An IDA account is designed  to help build assets through a matched saving account called a Individual Development Account. IDAs provide financial skills needed to save for life-changing economic transformations such as home ownership or going to school to get a better job or to prepare for a purchase.

Please Note: Every non profit that offers an IDA program has different requirements and stipulations of what the money can be used for. Nedco has a vast list of uses.

IDA Funds Is A Grant: You Do Not Pay It Back!

Nedco obtains state funds to make the IDA program possible. The match money is a grant to you; it is not a loan and does not need to be paid back. Learn more here.

IDAs Can Be Used For

  • Home Purchase
  • Post Secondary Education For Account Holder
  • Small Business Start Up
  • Business Expansion
  • Car Purchase
  • Home Repair

General Eligibility Requirements 

You must meet the following general eligibility requirements to participate in the program:

  1. Be an Oregon Resident
  2. Have a household adjusted gross income, according to household size, at or below 80% of the median for your county. Check here for details.
  3. Have a household net worth at or below $20,000. Please see the attached IDA Net Worth Calculation Worksheet.

How Does the Program Work?

As an IDA participant, you have several responsibilities:

  • Complete a total of 16 hours of education – 8 hours of financial education (Financial Foundations) and 8 hours of education specific to the asset you are saving for.. You must complete Financial Foundations prior to enrollment. Click here to find a class in Lane, Marion or Clackamas counties.
  • Demonstrate your ability to save by saving at least $25 in your own savings account for two consecutive months before applying for the IDA program (you can do this while you are completing the Financial Foundations course).
  • Work with a NEDCO Asset Building Specialist to create a budget based on 30 days of tracked expenses, reflecting your ability to save on a monthly basis to reach your savings goal.
  • Establish a savings goal and timeline for completion including making regular monthly deposits toward your goal in a joint/custodial account with NEDCO.
  • There is a $ 75.00 application fee collected at the time of enrollment into the program.

How Do I Get Started?

The first step is to enroll in our Financial Foundations Education Series (required 8 hours of financial education).

See the current class listing and fees here.

Full Details Of The IDA Program: Click Here

Additional Services Nedco Provides

  • Financial Stability Services
  • Foreclosure Intervention
  • Microentreprise Services
  • Homeownership

Save For Your Down Payment For Your Tiny Home!

I was first introduced to the IDA program by one of our customers who had all ready been saving in the program for a few years and he was able to use the funds for down payment assistance on the tiny home that Dave built for him. He had a 3: 1 matched savings account and $ 6000 was contributed to his account and he did not have to pay it back. See story.

Saving and planning for your tiny home purchase often takes years and I know to some it seems fruitless. I hear everyone’s stories and dreams and I love to help make it happen. Having an IDA savings account could help cut your wait time substantially.

Tiny Homes In Nedco’s Program Accepted With Conditions

I spoke with Zach Janousek, an Asset Building Specialist with Nedco today and he was very open minded regarding using the IDA funds for a down payment for a tiny home with conditions case by case.

1) A Tiny Home that is placed on the account holders own land or land that is in a trust or a community trust- will be in the housing program. In the housing program, it has to be proven that the home will be on stable owned property, not rented. Zach can clarify this.

2) A Tiny Home that is placed in an RV Park or Resort- will be in the vehicle program.

Down Payment Assistance: Nedco

Zach also told me about a new program that is going to be offered soon hopefully by the end of July or August. The down payment assistance will be immediate and does not require matched funds or time. The criteria is the same as for the IDA. The amount of the grant for a down payment of your home will be up to $10,000!

Are You Ready To Buy Now?

This down payment assistance could be a miracle for many. You will have to have this all ready planned and thought out, where you are going to live legally, loan approval, funds for insurance, transport,  set up cost and more…………….

This could be the perfect help someone needs! Reminder- we have Nationwide Financing. Read the details. With A+ credit, the bank requires 10 to 20% down and case by case- they can do land purchases as well. They consider A+ credit a 760 credit score. They do do loans with a lower score.

Zach is not sure how many grants will be given, I hope this helps someone reading this!

Please Call Zach Janousek Regarding The Details Of The IDA Accounts And Down Payment Assistance

503 655 8974

Nedco

421 High St Ste 110

Oregon City, OR 97045

Oregon Sources For IDAs

Casa Of Oregon
Vida
Oregon IDA Initiative

National IDA Directory

Prosperity Now

Operation Tiny Home: Dave is an approved builder

Hipcamp

In Hipcamp by Janet Thome

What Is Hipcamp?

Hipcamp partners with property owners to create new places for people to get outside—whether that’s pitching a tent on land, or staying in an existing structure like a small cabin.

Hosts sign up with Hipcamp and create a listing that shows the area(s) available to Hipcampers.

Hipcamp

 

Hipcampers book and pay for their stay directly through Hipcamp, and hosts keep 90% of the payment. Hosts set their own prices and are covered by Hipcamp’s $1 million liability insurance.

Do You All Ready Have A Tiny Home Village?

Hipcamp

Hipcamp could be the perfect fit if you al ready allow camping and have an outdoor shower and bathroom set up outside or even a porta potty for extra income.

Is Your Land A Fit?

Hipcamp

 

Hipcamp properties range from two acres to thousands, from developed campgrounds to raw land, from rustic cabins to glamping tents, from working farms to remote forests. Campers can book primitive tent camping with no official “amenities,” to glamping setups with every modern comfort included.

The diversity of options is what makes Hipcamp special, and we bet your land has something great to offer the community.

What knits all Hipcamp hosts together is simple: an interest in sharing your slice of heaven with others, and the desire to protect your land for future generations.

Invitation To Become A Host: Make A $100.00

Want to become a Host? Join with my referral code and we each make $100.00 after you book your first camper. Please use my code.

Earn Money

Hipcamp

Host our community of nature lovers to earn extra income for your dream projects, property management, home expenses, and more—all while enjoying the security of our $1 million safety guarantee.

One Million Dollar Safety Guarantee: Wow!!

We are thrilled to provide hosts with our full support and the peace of mind that they will be taken care of in the rare event of a camper injury or property damage. Hipcamp currently has two ways to protect you: The Hipcamp Insurance Policy and the Property Protection Plan.

Hipcamp Insurance Policy

In order to have a live listing on Hipcamp and receive bookings, it is required you have the proper insurance in place. There are two ways to be covered:

  1. Leverage your own commercial insurance policy. If you have one, this will be your best bet!
  2. Qualify to be covered under Hipcamp’s own Insurance Policy. Qualified hosts will be protected for up to $1 million for general liability claims per occurrence. This policy would be in excess to your homeowner’s insurance, and in the event you do not have coverage under a homeowner’s insurance, this would act as your primary coverage.

In order to qualify to be covered under Hipcamp’s Insurance Policy, you must:

  • Never have been convicted of a felony;
  • Have no homeowner’s or renter’s liability claims against you in the past 3 years;
  • Not be a Commercial Campground;

To list your land and see if you qualify for our Insurance Policy.

How does the Hipcamp Insurance Policy work?

Hipcamp provides Registered Hosts insurance for third party claims through the Hipcamp Host Protection Plan. The Insurance Policy covers both Hipcamp and its registered Hosts as insureds. This insurance does not replace a Host’s homeowners policy, but rather is designed to provide liability protection not typically afforded by a homeowners policy. Insurance is provided at no additional charge, for all bookings processed on the Hipcamp platform. Insurance is only available to valid, uncancelled bookings made through hipcamp.com. It is the responsibility of the host to confirm any changes to their eligibility under the requirements listed above.

Full Details

 How Much Money Can I Make?

Put in your zipcode and you will be give an estimate. Click Here.

What Should I Charge?

Hipcamp

For tent camping, we recommend pricing similar to local public campgrounds in your area, generally $10 – $40/night.

For structures such as cabins, glamping tents, etc.—the range is broader, from $40 – $250/night, depending on the amenities offered, location, etc.

What we’ve learned is that it’s best to start on more affordable side to get your first few bookings in, then if you want, move to a higher price as you get the experience ironed out.

Learn more about maximizing your earnings on Hipcamp.

Most Desirable Amenities

Hipcamp

1) Fire Rings/ Grills
2) Drinking Water
3) Toilets And Showers
4) Pets Allowed
5) Signage

Hipcamp

Bonus: Access To Local Foods

Details Click Here

Discover Camps

Hipcamp

Are you looking for cool hipcamp sites yourself or want to discover how the other hosts are doing this, Click Here

Invitation To Become A Host: Make A $100.00

Want to become a Host? Join with my referral code and we each make $100.00 after you book your first camper. Please use my code. 

Check Out Harvest Hosts as well, especially if you have goods to sell like crafts, produce, wine, have a farmer’s market, etc….. Details Click Here.

Tiny Home Lots: Oldtown, Idaho

In Idaho RV Resorts, Wa RV Lot Rentals by Janet Thome

Tiny Home Lots: Oldtown, Idaho

Oldtown

River Terrace Mobile Home Park is on 25 acres in a quiet setting outside of Oldtown, Idaho. The park is only 2 miles to Newport, 19 miles to Spirit Lake, 30 minutes to Sandpoint and Spokane. The park is suitable for all ages and they prefer long term tenants. Huge lot sizes, the largest in the city.

Do all your shopping in nearby Newport/Oldtown. Enjoy the beautiful views, peaceful days, and fresh Northwest air. Fishing, hunting, and shopping are just minutes away.

Types Of Homes Allowed

Models 2005 Or Later:
Tiny Homes
Park Models
Mobile Homes
Airstreams

Features And Requirements

Huge Lot Sizes: 80 X 80
Space Rent is $295.00 A Month
Security Deposit$400.00
Water And Sewer Included
Credit And Criminal Background Check: $ 40 Fee
Must Have An Income Of $1500.00 Monthly
Proof Of Insurance And Liability On Your Home

Tenant Is Required To Pay Electric And Trash

Each lot has their own electric meter and you can take your trash to the dump or set up trash pickup for yourself.

Zero Tolerance For Drugs

For the safety of the community, there is a zero tolerance for drugs or addictive behaviors.

Oldtown

Pet Policy

Oldtown

Small dog ok with deposit. No cats, pitbulls or large attack dogs allowed

Amazing Location On The Outskirts Of Oldtown

I am so happy to share this park because it is so needed in this particular area and is so conveniently located to all your daily needs including hospitals, shopping, employment, outdoor activities, the mountains, lakes with gorgeous views.

About Oldtown, Idaho

Oldtown

Oldtown is a town in Bonner County, Idaho and suburb of Newport, Washington, with a population of 184 at the 2010 census. It is located on the Pend Oreille River, just east of Newport.

What To Do In Newport

Newport is known for music and arts festivals, farmers markets, movies in the park, car shows, golf tournaments and for the whole family. Click Here

Please Note

The park is being converted from am older mobile home park and Walt is in the process of tearing older mobiles down and it is a work in progress.

Call Walt Today And Get Your Pick Of The Best Lots!

River Terrace Mobile Home Park

635 Silver Birch Lane,

Oldtown, ID 83822

Call Walt 626 241 5305

odenbay@outlook.com

 

 

Working Capital Loan

In Business Capital, Nationwide Financing, Working Capital Loan by Janet Thome

Working  Capital Loan

Business Capital

Financing A Commercial Project

Business Capital

If you are an established business such as a Mobile Home Park, RV Park, Cabin Resort, Airbnb business, Tiny Home Village or you want to provide workforce housing for your employees, I can refer you to a lender that does our commercial financing.

There is a trend of mobile home and RV parks, updating their homes and turning their communities into tiny home villages.

If you are interested in obtaining financing, please give me a call and I will direct you to the right lender. In the past we could not help a new start up because of all the traditional requirements such as two years of  tax returns, so I have branched out to other means of financing such as a working capital loan.

Dave Offers A Multiple Unit Discount

Dave often offers a multiple unit discount if they are all built at the same time.

Stay In Our Cabins

Business Capital

Please review my Stay In Our Cabins page, I am adding businesses that  clients  are using our cabins for Airbnbs, vacation rentals and long term rentals. If you want to try before you buy, you can stay in our cabins to admire the craftsmanship, get a feel for the size and enjoy the smell of the pine interior. You will never be limited to what you see, all cabins are custom built to your dreams.

Working Capital Loan

A working capital loan is a short term loan  for businesses that need funds for their day to day operations such as equipment financing, payroll, a cash cushion, expansion or new business opportunity and accounts receivable as examples.

Business Capital

A Working Capital Loan Is For Both A+ And Borrowers With Poor Credit

Funding is usually in 24 to 48 hours and no personal collateral is required.

Business Capital

Working Capital Loan Examples: Up To $ 5,000,000

We have had customers finance our cabins as an Equipment Loan

Remodeling
Equipment Upgrades
Business Expansion
Marketing Campaigns
Taxes And Payroll
Equipment Leasing
Equipment Financing
Accounts Receivable
Purchase Agreements

Business Capital

Top 6 Small Business Working Capital Loans 2019

FitSmallBusiness.com has researched the best small business working capital loans for borrowers with the best to the poorest credit, including the pros and cons and reviews from customers. FitSmallBusiness includes providers that loan on Start Ups and for those needing longer terms, up to 10 years.

On Deck: Loans up to $500,000 for borrowers with good credit.

Loan Builder: Loans up $500,000 for businesses that need fast funding for startups and is fast and affordable

Blue Vine: Loans up to $5,000,000 for businesses that need to borrow against their invoices

Funding Circle: Loans up to $500,000 for creditworthy businesses needing medium-term loans (up to 5 years) with low rates.

National Funding: Loans up to $250,000 for borrowers who frequently get paid by credit cards

Smartbiz: Loans up to $ 350,000 for businesses that need working capital up to 10 years with low rates.

Please give me a call for more details about financing your commercial or personal project.

Personal Nationwide Financing

janet@tinyportablecedarcabins.com

509 345 2013