Considering Adding a Firepit This Year?

There are few things that carry the feel of fall like sitting by a fire on a cool autumn night. Of course, not everyone lives somewhere where they can just build a bonfire or even set up a little campfire at a moment’s notice. Fortunately, there are options available for those who want the ambiance and experience of sitting by the fire without the hassle and liabilities that go along with building bigger fires. The best option is installing a firepit in your yard or even on your deck for those days you want to just relax by the fire.

Not all firepits are created equal, however. While you could pick up a cheap firepit somewhere and just set it up, if you really want to maximize the experience and get the most out of it, then you’ll want to do a bit more planning and create an area where you can really enjoy it. This will also help to ensure that the firepit is set up safely, so you don’t accidentally create a fire hazard or other dangerous situation in your yard.

Firepit Considerations

First and foremost, you need to make sure that your firepit is safe. This involves not only installing a firepit unit that is structurally sound, but also installing it in a place that is stable so that the firepit won’t tip or shift in such a way that it could spill its contents or fall over. Regardless of whether the firepit is being installed on a deck, on your yard, or buried in the ground, safety and stability should be your primary concerns.

This could mean that you’ll have to do a bit of construction around the firepit or add stone or concrete underneath it to create a solid and stable surface for it to sit on. Once the firepit is in place, you’ll want to try moving it in different directions to make sure that it doesn’t shift or wobble. You should also inspect it for dents, cracks, or other signs of damage that could become a bigger problem down the road; you’ll want the firepit to be structurally sound before it’s installed, and if you see signs of damage now then you’ll want to get those repaired before you finish the installation.

Cozy On Up

Once you’ve got the perfect place to put your firepit and you’ve confirmed that it’s safe to operate there, you’ll want to build out the area around it. While you could just use folding chairs or other temporary seating, it’s almost a shame to go through all the trouble of setting up a firepit just to then skimp on the seating. A better option is to get matched seating to go around the firepit to help add ambiance to the location while also giving you somewhere to sit.

This can come in a wide range of forms. You could go with nice wooden seating, Adirondack chairs, metal seats with cushions, or even wicker seating to go around the firepit. Rounded benches or other connected seating are also a good idea, giving you multiple seating options, while also being stylish and literally making the firepit the center of attention. Regardless of the type of seating you go with, try to match the colors and style of the firepit to your seating, and you’ll really be able to tie it all together.

Setting Up Your Firepit

After you get everything else sorted, setting up your firepit is largely a matter of getting it in place and securing it or otherwise ensuring that it’s stable. If you have a firepit that runs on propane or other gas, then you’ll also have to run pipes to feed it; this is a less common scenario, though, since many people who want a firepit want the smell and experience of burning wood.

If all of this seems like more work than you’re comfortable taking on, though, you can always call in a professional. HomeKeepr can help you connect with contractors and other pros that can get your firepit installed safely and ready for you to use. Just sign up for a free account and connect with professionals in your area. Get started today, and be on the way to a warm fire on a chilly autumn night!

 

Home Appraisal Myths Busted

Most things to do with buying or selling a home can be pretty stressful, from finding the house of your dreams, to securing the financing, all the way through to closing. But for most transactions, everything, absolutely everything, hinges on the home appraisal. This is probably why so many myths and misconceptions have grown up around the process. We’re here to help you sort the truth from the stories.

Myth #1: Home Appraisals and Home Inspections Are the Same

This couldn’t be further from the truth. The sole purpose of a home appraisal is to determine the value of the home, in that moment, in those market conditions, in the shape that home is currently in. A home inspection, on the other hand, determines the condition of the home, along with any major defects, in the moment when it’s being inspected.

The waters get muddied when buyers are securing FHA or USDA loans, which require an additional loan-specific inspection be performed by the appraiser. This particular kind of inspection is there to ensure that the home meets the loan’s minimum standards, not to determine the overall condition of the home. Always have a home inspection, it’s a much different thing.

Myth #2: Home Appraisers Create Market Values

Although the home appraiser will assign your home a rough value, the work they do is actually based on a thorough study of the current real estate market’s conditions, the condition of the home, the value of each component of the home, the value the neighborhood contributes, and a myriad of other factors, as well as the fact that a buyer was willing to pay the amount of your contract for the home.

So, while any individual home appraiser could be considered to be contributing to market values, they in no way set them. You can think of them more like a reporter, simply telling the story of your home and the things in it, for better or for worse. They see homes every day and understand what a dollar will buy in their particular markets.

Myth #3: If You’ve Had an Assessment, You Don’t Need an Appraisal

While an assessment is a type of valuation of a home for the purposes of determining tax responsibility, they don’t go into the kind of depth an appraisal does. Do you remember the last time someone went onto your property and into your home to perform a tax assessment? Of course not, because they’re simply not that thorough. Tax assessments have to be done quickly due to the sheer number performed at once, so they are often painted with a very broad brush.

Appraisals, on the other hand, can each take several hours, including the time the appraiser is on site examining the home’s interior. This is why when someone believes their assessment to be incorrect, they can challenge it using a home appraisal. The appraisal is simply more accurate. Never use an assessment for sales or purchase purposes, you’ll be sorely disappointed.

Myth #4: The Appraiser Is on the Bank’s Side

An appraiser is a neutral third-party expert who is contracted by banks to determine the value of your home so they can use this figure in making your loan. This doesn’t mean that appraisers are working on behalf of the bank or that they’re simply there to make the numbers work out every time. Sometimes, appraisers come back with very bad news about homes, determining that they absolutely cannot be appraised for the transaction price, or that there’s something about them that means they cannot meet the minimum requirements of a given loan type.

When It’s Time to Buy a Home…

Although you can’t pick your appraiser, you certainly can choose the bankers you work with who will help you make the best financial decisions about your future home as possible. When you’re not sure who to call, call on your HomeKeepr community and ask for the very best financial professionals out there. It doesn’t cost a thing to sign up, and knowing you’re using a banker who is recommended so highly can help make your real estate transaction a little easier.

 

Going Down: 4 Ways to Destroy Your Home’s Value

You’re a homeowner now, you can kiss bland uniformity goodbye the moment you turn your apartment keys over to your now-former landlord. The world is your canvas — at least, that part of the world that you now are obligated to pay a monthly mortgage payment on — and you’re the artist that’ll mold it into a shape that tantalizes and delights the senses.

You may have big dreams for that new home, but cool your jets. This is a time for careful consideration, not for hastily scribbled modern design notes on cocktail napkins. Although there are certainly changes you can make that will update or upgrade your new home, there are others that can potentially devastate its value. This is no small thing.

If you thought that ugly entryway light fixture was a real turn-off, just read on to learn about things potential buyers will find extremely unappealing down the road.

There’s Good, There’s Bad and There’s Ugly

Every homeowner will leave a mark on the homes they own, this is an inevitable fact of life. The only question you need to ask yourself is if your mark will be a good one. Will you be the homeowner who planted the gorgeous maple tree that eventually turns into a beloved climbing tree or are you the one that glued neon green shag carpet to the hardwood floors?

We’ve made a short list of some of the most dramatic ways to destroy your home’s value without even trying all that hard so you can, hopefully, avoid these problems when you go to sell. Now, this is an important point to note: if you’re in your forever home, go hog wild. If you don’t need to sell that puppy ever, feel free to do whatever thrills you. Just be aware that your outlandish choices could prevent things like refinances and even reverse mortgages down the road.

Having made those disclosures, let’s talk about home value-destroying projects!

4 Things That Can Lower Your Home’s Resell Value

Now that you own a house, people will be giving you all sorts of weird advice. You’re going to have to learn to tune it out, because generally, random people don’t know. Most people own two or three homes in their lives, which doesn’t give them a whole lot of experience with market values and making upgrades that will make a house really pop.

Realtors, general contractors and other home pros, on the other hand, make it their business to know what’s just in vogue and what’s a classic, evergreen sort of modification that will stand the test of time. These are the people to ask when you really need a second set of eyes.

But, before you even get that far, let’s count down some of the worst ideas for your new home.

#4 Really Personalizing the Place

Look, we know you’re eager to make your house your own. But step away from the lime green wallpaper and the orange tiles. Just for a minute. Think this through. Some buyers can see past over-personalization, others simply cannot. There’s a reason Realtors used to advise sellers to paint everything beige, it creates a blank pallet for a buyer to start from.

If you want to use quirky wallpaper, choose something that’s easy to remove when you go to sell. You may want to choose a tile that is mostly neutral and scatter those orange ones in just here and there like confetti. In short, tone it down a bit. However, feel free to paint to your heart’s desire — just plan to repaint before you put the house on the market.

When a buyer walks into your home, the first impression they have informs every other thought they have as they walk through. They’re simultaneously calculating two things in their heads: “How much can I afford to pay for this house?” and “How much will I have to pay to fix this place?” Each intolerable thing they encounter, like that orange tile, is another thing that goes in the repair budget. As it grows, the price they’re willing to pay shrinks.

Oh, you left the flamingo wallpaper in your bedroom? The repair budget’s getting pretty heavy. And these are just the immediately visible things, they haven’t yet gotten to the inspection period. The point here is: do you, but do it in a way that can be reversed before anyone shows the house.

#3. Converting the Garage to Anything Else

There’s a difference between using your garage as a gym and making it a gym permanently. When it’s a permanent gym, you can’t push some stuff out of the way and pull the car in real quick to get it out of the rain. In fact, you probably don’t even have a garage door anymore!

Many people have made this hasty decision, turning their garages into master suites, home gyms, playrooms and home offices, not considering the long term ramifications. Then, after dumping thousands of dollars into the project, they find out that it’s extremely difficult to resell their home.

No matter how professionally the conversion was done (and some are done very well), the buyer says to themselves, “Where am I going to stash my lawnmower?” Even if the yard’s a postage stamp, it’s a valid question.

Buyers come into a transaction with a certain set of expectations and, frankly, when they’re looking at houses in certain areas or certain prices that typically come with garages, it sort of breaks their brains to find one that doesn’t quite fit the model. That’s the beginning of the price chopping spiral. Eventually you’ll discount the house much more than you ever intended or just give up on selling and rent it out or not move at all.

#2. Tearing Down (Some) Walls

This one is actually not a hard and fast rule. There are sometimes walls that should come out. But don’t make this call without consulting with an architect or a general contractor because there are several things to consider, including the structural integrity and flow of the home.

The walls that you definitely should never tear out are the ones that reduce bathroom or bedroom number, unless you have something like five or more beds and three or more baths. At that point, you have a little wiggle room. As long as you maintain the American standard of a three bedroom, two bath home (or whatever is standard in your neighborhood), you’re probably ok.

However, turning a three bedroom home into a two bedroom home because you wanted to expand a bedroom is a value killer. If you think about it from a market perspective, it might make a bit more sense. A larger, or more mature, family is most likely to buy a three bedroom home. They’re going to have a bigger budget because there are two incomes, they need more partitioned spaces because there are possibly teenagers involved.

The same house with the same square footage, but with two bedrooms, is more likely to be shown to young families with small children, possibly only one income while one parent stays home to raise the toddlers, or even single people. Their budgets are smaller, which means that the two bedroom market simply doesn’t support the higher prices of the three bedroom market.

When your home is appraised, your appraiser will be pulling comparable homes based on things like neighborhood, square footage and numbers of bedrooms and baths. So, if the other two bedroom homes are selling for $30k less than three bedrooms, that means yours is going to appraise somewhere well below where you might expect, maybe even below what you paid for it.

Bottom line: Don’t knock out walls without professional consultations with your Realtor and an architect or general contractor at minimum so you can understand the full impact of this decision.

#1. Unprofessional DIY Repairs

There are two kinds of DIYers: those with significant trade experience and those without. If your main qualifications involve eighth grade shop class, you probably should not try to handle any big jobs on your own. Start small and work your way up, watch lots of YouTube videos, practice on test materials that don’t affect your home and for the sake of your house and your financial future, recognize and accept when you’re in over your head.

A home pro is often less expensive than you might imagine if you just call them in first. When they’re asked to clean up a bad repair and still make the original correction, it can cost a lot extra.

Finding these sorts of obvious DIY repairs in a home is a terrifying prospect for potential buyers. When they see them, they wonder what else you’ve tried to repair on your own. Did you rewire the electrical box? Is the house going to burn down in the night because you did something to the HVAC?

Because they don’t know you or your level of competency, they just see that one botched repair and hyperfocus on it until they either run away or submit an offer significantly lower than what you were expecting.

Protecting Your Home’s Value is Simple

It’s really quite simple to protect your home’s value, despite how this blog may make it sound. Just ask yourself two simple questions: “Can I really do this myself?” and “Is this decision one that will stand the test of time? If not, is it easy to undo?” When you’re not sure, just open HomeKeepr and find a pro who can help.

 

What Is Matter?

Smart home devices give homeowners a lot of control over the way that their homes function, allowing things like lighting control, home security, and even home automation to be as simple as interacting with an app or using voice controls. Depending on the devices used, you can save money and gain greater peace of mind while also having a bit of fun with your home. One thing that isn’t fun, though, is all the work that is sometimes required to set everything up and get it all working together on the same network.

The problem is that there are a number of different manufacturers of smart devices, and until recently, they have largely created their own ecosystems. Sure, they all work with Alexa or Google Home, but in order to set them up you have to use the manufacturer’s preferred app and do everything the way that the specific manufacturer wants it done. This can be confusing and frustrating, especially if you have to make changes down the line. This may be changing soon, though.

Enter Matter

You may have heard reference to “Matter” in connection to smart home devices recently, but maybe you don’t know exactly what it is or what it does. What exactly is Matter and why does it matter? Simply put, Matter is a new universal standard for smart home devices that intends to simplify both setup and maintenance of your smart home.

Basically, Matter is a set of guidelines that smart home devices will have to meet in order to become certified as Matter-compatible. It was created by the Connectivity Standards Alliance, a group of companies and industry members that work on development profiles and application standards that manufacturers can follow to make sure that their devices are compatible with anything else that meets connectivity requirements. Now that the Matter standard is finalized, manufacturers have specific targets to work toward to ensure that their products are all compatible with each other out of the box.

How Will Matter Help?

The biggest headache with home automation in the past has been different devices not always wanting to work well together. This makes creating routines more difficult, and in some cases required homeowners to use third-party platforms or hacky workarounds just to get something close to what they wanted from their devices. Matter will help to make these incompatibilities a thing of the past.

Because everything that’s Matter certified will meet the same operational standards, the compatibility of devices from different manufacturers should be nearly universal. Homeowners won’t have to spend extra to make sure that all of their products are from the same manufacturer or spend time researching just to find the devices they need that use an app they already have installed. Matter-certified devices will work together flawlessly regardless of who makes them.

This isn’t the only benefit to Matter, either. One other problem in the past has been that not all devices were compatible with every digital assistant, so there were cases of things working well for Alexa or Google Home but not for Siri, or working well with Apple products but not Google. Because major companies like Google, Amazon, and Apple all support the standard, though, you won’t even have to worry about whether the device you’re buying is compatible with your preferred digital assistant. All Matter-certified devices should work with any ecosystem you prefer.

Getting Matter

Some Matter-certified devices are already rolling out to stores, and more will be on the way soon. Anything that meets the Matter standard will be labeled as such, and in time it will probably be harder to find non-compliant devices than those that support the new standard. For now, it’s a matter of keeping your eyes peeled to find those that are labeled as Matter certified.

Fortunately, HomeKeepr can help with this. We can help you find smart home installers in your area that should know exactly what Matter-certified devices are available and offer you professional installation and configuration as well. Creating a HomeKeepr account is free, so sign up today to get started with your Matter-compatible smart home.

 

North America Is First in Smart Homes

Smart homes are increasingly popular these days, with an estimated 175 million smart homes in operation around the world as of 2022. In this year alone, it’s estimated that smart home devices have generated nearly $91 billion in revenue, and it’s projected that this amount is going to grow significantly over the next few years. In fact, the projected compound annual growth rate of the smart home industry’s revenue between 2020 and 2025 is an astonishing 25 percent.

While smart homes are popular around the world, the real peak of their popularity is in North America. It’s estimated that the North American market will account for a full 40% of the smart home market by next year, with the United States making up a good portion of that market share. To give you an idea of how big of a share this is, the combined number of smart homes in all of Europe (which contains 45 countries and has seen heavy smart home adoption in the UK, France, and Germany) is around 84 million, while there are around 63 million in the US alone.

The Smart Home Trend

Despite some people being nervous about the possibility of smart devices driving more targeted ads or being used for nefarious purposes, it’s clear that the popularity of smart homes is not diminishing. The use of smart devices can help people stay organized, saving time and making it easier to keep appointments and other critical functions. These devices can also help you save money, with some additions like smart thermostats helping homeowners to save as much as 50 percent on their energy use. Some insurance companies even offer rate reductions on homeowner’s insurance specifically for smart security systems.

Having a smart home can also help to sweeten the pot if you’re looking to sell as well. Around 86% of millennials would consider paying more for a home that had smart devices installed, and even around 9% of baby boomers admit that they already own smart speakers or similar devices. Even if you don’t have full smart systems and thousands of dollars of equipment in place, you can still attract the attention of potential buyers by placing emphasis on the smart devices that you do have in your listing.

Smarten Up Your House

There are a lot of ways that you can add automation and other smart home functionality to your home. For many homeowners, adding a smart speaker with a digital assistant, and a few easy additions such as smart light bulbs for voice-controlled lighting, may be as far as they take it. Others might add smart thermostats and climate control, leak detection sensors on their pipes, and maybe a few other smart devices to give them control over things like the TV. Still others might go all the way and add things like smart cameras, a full security system, and even smart door locks and window sensors to make their homes safe and secure.

It’s important to keep in mind that while the average all-in smart home installation can cost up to $4,000, even if you choose to go in that direction, it’s not a step that you have to take all at once. Some basic smart home functionality can be had for $100 or less, and even with a few hundred dollars’ worth of investment, you can see significant savings in things like energy costs. Smart thermostats alone tend to pay for themselves within two years, and adding smart LED lighting and other energy-saving smart features can increase the savings even more.

Do You Want a Smart Home?

If having a smart home sounds nice but you aren’t sure what you should get, don’t worry… HomeKeepr is here to help. We can help you connect with smart home installers and other pros who will guide you to choosing exactly what you need for your home. Best of all, creating a HomeKeepr account is free, so sign up today and get started toward the smart home of your dreams.

 

Evicting Animals From Your Chimney

Having a mouse in the house can be a real pain. The little thing runs around, gets into everything, and generally causes chaos. And that’s just one little mouse. What happens when you have a much larger animal, or a nest of animals, in a harder-to-control area like a chimney?

Unfortunately, unwanted animals in chimneys are a pretty common problem for homeowners, especially if the chimney isn’t used often. Some are difficult to evict because they’re very dug in once you notice them, others because there are specific laws about how and when they can be removed.

What Kinds of Animals Enter Chimneys?

When it comes to chimneys, there are a whole host of creatures that might come inside. Generally, you’re going to encounter animals that aren’t terribly afraid of people and that are either very good at climbing or very good at flying. For example, birds often make nests in unused chimneys.

Other animals commonly found in chimneys include raccoons, squirrels, and bats. If your chimney has a damper (most modern chimneys do, but older chimneys may not), you may not even know they’re in there, since the damper should be creating a tight seal that would minimize noise. However, if you open the damper, evidence of the animals may fall down into your fireplace, as well as any animals (often babies) that were hanging out on top of the damper at that moment.

Evicting Animals From Your Chimney

Although some people still suggest smoking out animals that are in your chimney, we live in far more enlightened times. Smoking out animals is a great way to ultimately smoke yourself out, or even start a flu fire. Rather than trying this method, you can do a few different things to encourage the animals to move along.

Remember that if the animals have young that are too small to carry themselves out of your chimney, they may not be able to leave just yet, no matter how annoying you get. Check for breeding seasons for the animals you suspect are your problem before proceeding. A few are federally or locally protected, in which case your window for eviction is limited.

For most animals, chimneys are nice places to raise a family because they’re quiet, dark, and safe. Your goal is going to be to disrupt this. You can turn the lights on by dropping a caged work light attached to an extension cord about half way down your chimney. Leave it on all the time until the animal is gone. Often, lighting the place is plenty of motivation to convince an animal to leave.

If they need more motivation, play loud music into the chimney from below for prolonged periods. Again, if they have young babies, this is unlikely to work simply because the babies can’t be moved yet. Time your eviction and rave accordingly.

Preventing Chimney Animals

Once you’ve got the animals out of your chimney, you have to make sure they don’t come back. Usually, this means repairing or replacing your chimney cap, if you had one to begin with. Over time, chimney caps can take damage from bad weather, high winds, activities of animals, and even DIY chimney repair.

Because animals will likely continue to seek your home out, since something about it was pretty appealing to the first batch that moved in, also check that your attic is secured with screens, caulk, and expanding foam. Without the chimney available, those same animals will seek alternative routes, and attics are awfully cozy spots.

In addition, you can help yourself with bird or bat problems by installing appropriate housing nearby. Bat houses, for example, don’t attract bats, but they will house bats in your area and prevent them from seeking your home instead.

Cleaning Up After Animals in Your Chimney

Evicting animals from your chimney is not the end of the story, unfortunately. You also need to clean the chimney to eradicate any sources of parasites or disease that might be present. This is not difficult to do, but it can be hard to know if you’ve really cleaned the whole chimney without professional help.

Many pros recommend starting a big fire in the fireplace, if your chimney is safe to build a fire under. A very hot fire can raise the temperatures in the chimney high enough to destroy any potential parasites, as well as disease-causing microbes, that may be present from the animal’s occupancy.

If you can’t start a fire, hire a chimney sweep. Make sure they know the reason that you need your chimney cleaned so they can ensure that they don’t blow bits of detritus into your home, putting you at risk of disease.

 

Should You Sell Your Home in the Fall?

Spring is the most popular time to sell a home, yet there are some advantages to getting your house on the market in the autumn months. Although you may feel you have missed out by not putting your house on the market in the spring, the fall months for selling your home could be a feather in your cap. Look at the following four benefits to selling your home in the fall, along with tips for leveraging those to find a buyer.

Demographics Most Likely to Buy in the Fall

Serious homebuyers for this time are often millennials, empty-nesters, or relocated employees without children. Without having to consider a new school year, they are more apt to buy before the end of the year to lock in mortgage rates, avoid the hassle of a move in the winter weather, or get settled in a new location for their job before the start of a new year.

Less Inventory—Less Competition

Homes listed for sale are generally lower in autumn, so you are not competing as much with other buyers. While sellers are more susceptible to the pressure of buyers’ demands during the peak season, you have a better chance of attracting buyers to your home and getting them to accept your selling price during a slower period.

TIP: Get professional assistance with pricing your home and the right strategy for selling during the off-season

Seasonal Attractiveness

The fall brings vibrant colors, a cooler temperature, and more choices for décor. The heat and humidity of summer have mostly passed, and the new season of harvest and festivals lures people out into the environment. It is a time when people may want to make a big purchasing decision before the rush of the holidays and the end of the year.

Improve the curb appeal of your home and stage the inside. You can do this in the following ways:
1. Clean and De-clutter
2. Replace dim lighting
3. Add flowers
4. Paint and caulk
5. Purchase new pillows, curtains, and candles
6. Re-arrange your furniture for better social interaction
7. Use gas or electric fireplaces for ambiance
8. Don’t overdo decorations.
9. Photograph the property while you still have natural lighting.

Quicker Closing

Since the fall tends to be an off-peak season with fewer home sales and real estate transactions, your closing should go quicker and with less stress. You should be able to book with mortgage lenders, home inspectors, attorneys, and other vendors related to your home’s sale without delay or hassle.

There is never a right or wrong season to sell your home. Although spring may lure many enthusiastic families into wanting to buy in the warm weather, the fall can be equally enticing for others. You’ll find that many are motivated during this time to buy because they want to settle in before the winter and holiday season. Still, whatever season you decide to sell, it’s always important to prepare your home adequately and know the strategies to attract the aptest buyers.

 

Radiant Barriers Help Insulation Do More

We all know the old song and dance: insulate and weatherproof your home to maximize your utility dollars. Filling all the gaps and keeping all the climate-controlled air where it should be is a huge part of creating a home that’s not only comfortable, but efficient. Or so we’ve been told. The truth is that there’s another step in the process that many homeowners are overlooking, and it’s both easy to install and inexpensive: a special kind of foil called a radiant barrier.

What are Radiant Barriers?

Radiant barriers aren’t much to look at. In fact, they pretty much just look like really heavy foil like you’d use on your grill or on top of a casserole dish. But they make up for looks in performance. According to Energy.gov, a website produced by the US Department of Energy, radiant barriers can reduce cooling costs by up to 10% in sunny climates, and may even allow a homeowner to install a smaller air conditioning system, saving additional money over the longer term.

They work by reducing the radiant heat that comes into an attic or other space. When roofing materials get hot from sun exposure, that heat eventually transfers into the attic via radiation. So, to slow or even stop this process, a barrier that’s designed to reflect that radiant heat back out of the attic is necessary.

Many houses lack radiant barriers, either because it wasn’t invented when they were built and no one thought to add it later, or because the climate where they were built was once considerably cooler than it is now. That doesn’t mean you can’t add one, though.

Installing Radiant Barriers

Installing a radiant barrier is not a difficult process, but it can be a time-consuming and messy one. After all, you’ll need to be in your attic for prolonged periods, working with a sort of heavy foil material that can be cumbersome for a single person to manage. But it’s definitely possible as an advanced DIY project.

When you install a radiant barrier, it’s really important to not only pay attention to which side is up on the barrier material, so the proper side faces the roof, but that you install it in such a way that it won’t be contaminated with things like dust and other debris. The more dust and material that collects on a radiant barrier, the less effective it will be.

In the past, some people have installed radiant barriers on top of their insulation, but this has proven to be a poor way of installing the material. Instead of the wanted effect of cooling the attic, in these homes, the radiant barrier instead interferes with the insulation’s ability to work properly. Since they also tend to act as a moisture barrier, radiant barriers can also trap moisture inside attic insulation, causing all kinds of other problems.

When installing a radiant barrier, hanging it along the contours of the attic roof or rafters is your best bet, but you’ll need to let the material droop slightly between attachment points to create a 1-inch air gap between the material and the bottom of the roof. You can also choose insulation with a radiant barrier built-in, called reflective insulation, where the barrier acts as the facing material.

Safety With Radiant Barrier Materials

Because radiant barriers are made of metal foil, they will conduct electricity. Many homeowners don’t consider this when installing them and may overlook serious hazards like contact with bare wire or old wire with failing insulation. Electricity can cause serious injuries or damage to homes, especially if the contact is prolonged and widespread, like it would be when accidentally electrifying an entire attic’s worth of foil.

When to Call a Pro…

If you’re not sure you’re ready to install a radiant barrier yourself, or you’re concerned about getting it just right, it might be better to hire a professional to get the job done. Where will you find such a person? Why, HomeKeepr, of course! Just log in and ask for a recommendation for the best insulation installer in your area, and before you know it, you’ll be reaping the benefits of an attic with excellent protection against radiant heat.

Don't Be Afraid of Todays Housing Market

 Buying a Home With a Rental Unit

Buying a home can be full of difficult decisions, and as housing prices climb, maybe even more difficult financial planning. For people looking for a different way to help pay for their mortgage every month, choosing a home with an attached rental unit might just provide the monthly bump that makes that payment a little easier to accomplish.

What Is an Attached Rental Unit?

An attached rental unit, formally called an Accessory Dwelling Unit (ADU), is typically a smaller living space adjacent to a main home. It might be a tiny house in the backyard, or something more like self-contained mother-in-law quarters attached to the house. It can even be a small apartment over the garage. There aren’t a lot of rules about what an ADU has to be, except that it should be fully autonomous.

The reason for autonomy is that this is what it takes to really have solid rental income potential from a secondary dwelling on a regular lot. Imagine if you were renting an apartment somewhere, you’d certainly want to have your own kitchen and bathroom, wouldn’t you? It’s difficult to rent units without these features, so typically, they’re part of any successful ADU.

Benefits to Having an ADU

Having a rental can be a lot of work, but there are also a lot of benefits to having an ADU on your lot. Not only does the rent from an ADU help pay the mortgage every month, it can also act as flexible space for whatever life might throw at you down the way.

For example, when you first buy your home, maybe you really need help with the mortgage payment, so you use the ADU as a long-term rental unit with a tenant who has signed a year-long lease. This tenant not only pays the utilities for that unit, but they also help out with the mortgage by paying rent. It’s a great situation while you’re trying to pay down your mortgage and ramp up your income.

As time goes by, you might get tired of dealing with a long-term tenant, but you can still use that unit for short-term tenancy, if allowed by your neighborhood and city. Airbnb, for example, gives you the option to rent by the day or week, so you never have to stick with a tenant for too long. You can turn off being a landlord for a few weeks and go on vacation yourself without having to worry.

If AirBnB isn’t your thing, your ADU can still be used by your college-aged child or aging family member. Remember, these are essentially self-contained apartments, so they should provide a great deal of privacy and autonomy to anyone living inside. ADUs have long been favored by people with aging parents, hence the former popular nickname “mother-in-law quarters.”

Financing a Home With a Rental Unit

If you’re looking for a house with a rental unit, you may also wonder how you’re going to finance it. Do you need a special kind of loan or is this edging into the realm of commercial financing? Not at all. Most mortgages will allow you to purchase a property that has up to four units on it. That’s a lot to handle if you’ve never had a rental, but a single ADU is pretty easy upkeep.

All you need to do is choose a property that you like and ensure that it will pass any requirements from your lender (your Realtor can help with this). Certain programs may have specific inspections, such as FHA, VA, or USDA, so you definitely want to let your lender know that you’re looking for a property with an ADU before you commit to your loan.

Ready to Finance Your Home and ADU?

Well, you’re going to need a good lender who isn’t shy about writing loans on properties that might be a little less than typical. Your HomeKeepr community can help you find them! Just ask for a recommendation for the best lenders in your area and before you know it, you’ll have a home of your own, and a small rental unit to help pay the extra bills.

Already have that ADU in play? HomeKeepr can also help you maintain it. The list of home pros that are members of the community is staggering and your Realtor can help you figure out exactly what kind of professional you’ll need to get the ball rolling.