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TL: because of pictures and videos. Else it is very quick read. Must read.This is not a Tamilian Issue, This is an Indian issue. It is about Indian farmer, agriculture and Indian breed bulls which is at stake. Indian bulls becoming extinct in Gujarat and NDDB (National Dairy development board) imports bull from Denmark 2014 - NDDB to import 80 Holstein Friesian bulls from DenmarkOk, I think I got your enough attention to read this fully. Please read this fully.My dear fellow North Indian, Thanks for coming to hear about Jallikattu. Reason why most people don’t support is, is because they are not fully aware of Jallikattu or they are misinformed about Jallikattu.What is Jallikattu?Jallikattu’s original term and name is “Eeru Thazhuvudhal” (which means embracing the bull). It is NOT A SPORT. It is a breeding science.You might have heard Swayamvara Swayamvara - Wikipedia happened in olden days in India. A man who his brave, physically fit, brilliant and chivalry will get the bride. The reason why they did Swayamvara is because men would undergo more exercises and become more fit. The best fit will be made as Prospective king by getting married to princess. The more fit they become, the more exercise they do , more healthier they will be and they will have better semen, which leads to healthier kids and healthy generation.Same way, In Jallikattu, it is a breeding science to find out the best bull and that bull will mate with cows which leads to healthier offsprings. The bulls which fails in the competition will be trained and come back to next year for Jallikattu. Till then it will be used for farming (instead of tractor) , transport (to transport the grown paddy or yield back to home/factory) etc. And the owner of the winning bull will get a bicycle or some price to appreciate his work and the player who won over the bull will get a prize. Else they will get “Happy Pongal best wishes”More details here Jeypee Farm Palaneeswar's answer to What is the science behind jallikattu?Now coming to other part of the question, What is the protest against PETA?I have made the following section as a debate/argument section between PETA/Animal activists and Jallikattu supportersPETA’s claim: Bulls are getting tortured in the name of sport, so it should be bannedJallikattu supporter: It is not a sport, it is a breeding science. Any proof that animals are tortured?PETA’s claim:They pull the tail, they give liquor to bull, they put turmeric and lemon juice to bulls eyes, people sharpen its horns and it hits the players and the players get killed.Jallikattu Supporters: (This is the answer for How is Jallikattu conducted? )Ok. Mountain climbing is a sport. Do you know how many people die in that sport every year?Erik Hille's answer to How many people die rock climbing each year? Are there any particular causes for this?DO you know how many deaths happen in Car racing every year?Do you know how many casualties happen during football, baseball etc. There is always accident related with sport. You cannot ban a sport because of few casualties.You know the answer. Now to answer the other points like turmeric used on bulls eyes, liquor being given to bull to make it run faster and pulling its tails.It all happened in 1960s - 1990s, but not after the a regulation was passed in 2000s.All bulls will be numbered and only qualified bulls will be allowed to play .A vetinary doctor will inspect the bull before allowing it into the field and doctor will check the player has any respiratory problems or consumed any alcoholOnly selected players wearing the t-shirt and numbered will be allowed to play in the fieldA district magistrate or sub collector cadre should be present. Police safety should be ensured and medical facility for both players and bulls should be available at the venue. Now a video proof for thatViewers should be present in the viewers arena and will be protected by cops.Moreover if a bull consumes liquor it cannot run fast, it will sleep down as how humans lose muscle co-ordination. But you can clearly see bull walking slowly in the line and when it is left into field, it jumps and plays with playersJallikattu regulations - Here are the Jallikattu regulationsQuick History:Animal welfare board of India ,Tamil nadu state government has always supported Jallikattu as they know it isbreeding scienceBulls are part of farmers family andcows and bulls are used for domestic purposes.It is only PETA who is against Jallikattu and let us see why PETA is against this Jallikattu. In fact TN government has won cases against and in favour of Jallikattu Jallikattu - Wikipedia You can find links from there for the cases that TN have won.PETA’s claim: Nope. It is an animal cruelty. It should be bannedJallikattu Supporters: Why don’t you ban (following list contains sports as well as use of animals in transport)Roster fight - Andhra Pradesh Andhra Pradeshs Jallikattu: Cockfights continue to be popular despite High Court banKambala race Kambala - Wikipedia Karnataka - Rekla raceKerala -Rajasthan - Camel festivalSivaKumar's answer to How are the rest of the states except Tamil Nadu saving their bulls without jallikattu?I am sure similar festivals happen in Maharshtra and other states.Above all we all know Spain bull fightSpain - Unlike the famous Spanish Bull fight (remember in Tamil language Jallikattu is Embracing the bull, not fighting with the bull) they kill the bullBullfighting - WikipediaRemember we are not torturing a cat to pull a cart. We humans are using an animal which is capable of doing the work. For example, we are not torturing a 1 year old baby to write SAT or GRE exam, only a 17 year old work for SAT or GRE exam.Why don’t ban meat consumption?Why don’t ban leather goods?Why don’t ban fur factories?Why just a sport and just targeting Tamil nadu? No answer from PETA. They are mum on this.India is largest beef exporter, Why don’t ban those companies, but just JallikattuOur farmers are not barbarians. We have a very rich culture and heritage and in our culture economy - agriculture- tradition and sports are interlinked in teh cycle.PETA’s claim: Jallikattu involves bettingJallikattu’s supporters: Why don’t ban cricket? Why don’t ban horse racing?You can understand that PETA’s solemnly targeting this bull because there is a food industry and billion dollar scam targeted. I will came back to this later.PETA’s claim : If you want your farmers can come and fight against the case in Supreme court.Jallikattu supporters: It will cost minimum of 5000 rupees to travel to New Delhi. How can the farmer afford fighting against PETA. From can he get money to file a case in Supreme court. And it would easily take years to get jusitce and lawyer fees all would cost crores. Now How is PETA getting such money to run the case?PETA’s claim: You should obey Supreme court orders.Jallikattu supporters: We have been obeying supreme court orders forever and since 2009 on this Jallikattu issue. (Following part is also answer for the question, Why this protest outburst in 2017 ? - Suppressed and snatching rights of people for years have caused this )(Remember we neither hate our neighboring government nor the neighbor state public - But most neighboring state govts and especially central govt. has not been listening to Supreme court orders, So why should we alone obey and in fact we have been obeying till this second and that’s why it outburst as a people’s protest - No leader , No political party, No cine star influence )ButKarnataka K’taka Resolution ‘Defies’ SC Order on Cauvery: What Happens Now?The Kerala High Court's NSS Judgment Defies The Supreme Court | Live Lawhttp://www.livelaw.in/kerala-high-courts-nss-judgment-defies-supreme-court/Kerala govt.(remember only the government not the public) hasn’t given water in the Mullai - periyar damn issue.Andhra govt. (remember only the government not the public) has never given us Krishna river water - Andhra Pradesh in dilemma over Tamil Nadu's plea for Krishna water - Times of IndiaKarnataka govt (remember only the government not the public) has neither accepted to form Cauvery water board management as per SC order nor gave water in 2016. Not only in 2016, but for several years.Central government has never lend its ears for millions of Tamil people killed in Srilanka Sri Lanka accused of waging 'silent war' as Tamil land is appropriated by armySonia Gandhi wanted Colombo to decimate LTTE before finalising a political solutionAt last they also said January 14th is no more Pongal holiday for Tamil Nadu people. We were even silent for this.But they arrested 200+ people in Madurai when they started a silent and non-violent protest against Jallikattu on Jan 12th.This is were people lost their patience. Yes we were patient for years , since Independence. We lost hopes on our political leaders. Even now we are not doing any violent protests. We are following Gandhiji’s non-violent protest and our motto has not lost focus. See how the protest is happening SivaKumar's answer to What do North Indians think about the peaceful protests in Tamil Nadu against Jallikattu ban?Above all, If Modi can bring demonetization overnight, why not he can do the same for JalliKattu? *Our present CM (O Panner Selvam) can take charge overnight when Jayalalitha died, Why can’t he bring the law overnight.And the protest started***Why is PETA targeting the bulls?If these stud bulls are not there and all killed, they can bring in artificial insemination or hybrid bulls to India. Our own Indian breeds (Gangeyam and other breeds which are now alive because of Jallikattu cycle ) will produce healthy A2 milk. Cows born because of artificial insemination will produce A1 milk. A1 milk will cause Diabetes and the MNCs who does artificial insemination and bringing hybrid cows, will sell medicine for Diabetes in India as India has more Diabetes patient in world Diabetes population.Now why we needs these stud bulls?There is a ratio for animals men:women to mate and reproduce.For example, the ratio that people follow in agriculture and cattle farming is30 sheep (Tamil name: Semmari aadu) : 1 goat (Tamil name for goat is kadai )For 15 cows there should be 1 stud bull(non-castrated). People who have had bulls in home know that if there 2 or 3 more bulls they fill fight each other.If it is castrated it is called as Erudhu (in Tamil).Why it has to be saved?In olden days it will be hard for people to maintain stud bulls. So each village will have a temple and each temple will have a stud bull (People used the term “Kovil madu” (Temple’s bull) so that more people would give money to maintain it.And any farmer in the village who has a cow and needs Stud bull for mating, they can borrow the stud bull from temple management. Now after the farmer gets a new cow with the help of stud bull, he will feed the cow and use its milk for selling (revenue generation). He will use the cow dung as manure to his agriculture field (re-using technology). He will use the wastage from field after paddy harvest as food for cow for coming months. This is how stud bull has played its role in the food-farmer-economy cycle in villages. Remember villages are back bone of India and world.Now all villages will send stud bulls to the Jallikattu competition as the competition is a test for the bulls and farmers to find the best bull (Remember breeding science) which could be used for breeding. Best bulls will have best semen and will produce better cows.Since there has been variations in climate and rainfall and neighboring states not giving enough water in necessary times (remember recent Karnataka - Tamil nadu Cauvery water issue), crops get spoiled. Famers had to sell their lands as they have borrowed money (remember a farmer was beaten up by cops for not repaying loan on the same day when Mallaya escaped India without paying a loan of 5000 crores- 99 ) . Now he has to sell his house, gold etc.Now he end up selling the bull as well. These bulls will be sent to slaughter house. 100 years back India had 157 breeds of bulls. 5 years back we had 7 types. Now we have 6. If you have supported for Save Tigers in india campaign, then you should also support for Jallikattu as it is Save bull campaign.Additional info:There are lot more points to be covered, I am trying make at most awareness online at this moment as that is the only way I could contribute for the protest that is happening right now in MarinaSivaKumar's answer to What do North Indians think about the peaceful protests in Tamil Nadu against Jallikattu ban?PS: I don’t think any one who tortures a bull will conduct a funeral by spending all the money on a dead bullFarmers may not know English, but they are very well educatedThey treat bull as their own family member. In fact Bulls and cows are their god. It helps them in generating revenue for the family.Moreover if foot ball hits a player and if he dies, they don’t ban the sport, they change the regulations or rules. If PETA feels that Jallikattu is torturing animals or human beings get injured, then we have already undergone several regulation changes to conduct it. It is clear evident that they want to kill this particular breed.PS II:At least if those animals have not gone to the shelter it would have been alive. They killed it because of lack of funds/people to take care. PETA should never talk about animal welfare. For better understanding, PETA is orphanage that adopt orphans and kills them.PS III: On the same day when protests are going on , they imported Jersey bullsJersey Bulls Landed at Chennai Airport: Corporate Politics Over Jallikattu BanTamil Nadu imports 540 jersey cows from Switzerland - Times of IndiaMore than 60 Jersey cows from Switzerland arrive in Chennai - Times of IndiaVideo proofs (Must watch the below one for sure)Coca-Cola India Enters Dairy Market With VIO Flavored MilkWe know What kind of company Coco Cola is.When farmers who sell bulls (bull is one of the major revenue generation for farmers after crop yield- Retail milk sale, milk to government societies, butter, ghee , cow dung as land manure etc. Crop yield is based on rainfall , but bulls are perennial revenue generators), will start selling land after that. Corporates will buy those agriculture lands in massive scale and they will do massive agriculture with hybrid techniques (producing low quality food and making soil infertile) and they will be fixing the price for the food which is grown in our own soil.PS IV: Adult content:This is what real cruelty is. If you have watched a Jallikattu video posted above you would notice they just embrace the hump of the bull. They don’t kill it (as they do in Spain bull fight) or for their night dinner.Today they will kill our tradition. Tomorrow they will us (Srilankan Tamil mass killing) . One day they will say there is no state called Tamil nadu and then they will say there is no more India.PS V: How can you be part of this?Trend #AmendPCA in twitter and FacebookPS VI: If you want to know how the protest is conducted, you can read it hereWhat do North Indians think about the peaceful protests in Tamil Nadu against Jallikattu ban?PS VII: Jallikattu during British period and the commentary in English.India was better under British rule than our own governance.*PS VIII: I notice few of you asking Why am I bring Modi’s demonetization into this picture?In fact I supported and still support demonetization movement. That was a big break for India. I like Modi’s steps to bring in international companies and “Make in India” campaign and helping Indian startups. No doubt in that. I still stand strong in that point. The only reason I hate him (as my fellow Tamilians hate him) is because his silence on this issue (when it is protested in non-violence manner by 300000 lakh youth for 6 days, remember 6 x 24 hours = 144 hours, day and night - think about children and women with poor toilet facilities fighting for a cause), Shouldn’t he at least respect us and do a press release? Shouldn’t he at least make talks with Supreme court or PETA(to withdraw the case) before we ask him? And the protest didn’t happen this morning, it was happening for 6 days (day and night). I think we truly deserve better attention my friends.PS IX:PS X: I am coming across lot of Indians saying that this is an emotional Tamilians issue. Friends,THIS IS NOT AN ISSUE RELATED WITH COW, THIS IS AN ISSUE RELATED WITH COUNTRY’S AGRICULTURE, FARMERS and ECONOMY WHICH IS AT STAKE. OUR BREEDS AARE DYING. This is the last wake up call. Please understand and spread the news. In your state also several farmers would have sold such breeds. Please Please Please spread this news and create awareness.THIS IS NOT AT ALL A TAMILIAN ISSUE, THIS IS TOTALLY TOTALLY AN INDIAN ISSUE. You might come across who are more emotionally attached to Tamil nadu. People who love Tamil nadu more, doesn’t mean that they hate India or any other states. Thanks.PS XI: List of native breeds destroyed in India. SivaKumar's answer to What are the native Indian cow breeds still existent? ( A must read, see if you have seen any of your state breeds in last 5 months????? ) Soon, We will also become stamps if you don’t rise up.PS XII: Animal activist Radha Rajan filed petitions against Jallikattuand here she is saying that Christianity and Islam are against human beings. How can she be honest with her fights against animal cruelty?PS XIII : NBAGR - National Bureau of Animal Genetic resources National Bureau of Animal Genetic Resources - This is the list of current alive native breeds as per government, whereas the list of breeds that was alive years back is here SivaKumar's answer to What are the native Indian cow breeds still existent?I see a great support from rest of India. Thanks a ton. We all owe you a lot. Please do share information about this and create awareness in your state. Remember, This is not a fight against any political party or any state or government. This is the fight against food lobbyists and food politics. And to save our farmers, agriculture, agricultural lands and economy. We cannot go back and do agriculture. We have not mastered in that. Only they can do it. And we cannot eat hard disk and mouse. Only if they are alive, agriculture will be alive and then we can be alive. Please spread awareness.

Maybe. To begin with here's my obligatory cute kitteh picture from my photos:Note: I'm typing this on a “smart" phone. Please excuse any errata. If you see errata which aren't stylistic intentionally misspelled words and can't excuse them, you're welcome to submit an edit suggestion. For anything else my rule is Thou shalt not commit logical fallacies in my thread. Fair Warning. I'm an Aspie and I tell the truth with the whole truth no matter who it annoys.This is the only truthful answer you're going to get here, and you're going to get it in the form of a shaggy dog story with lots of history because those who don't know their history are doomed to repeat it.I'm sorry. Truly and deeply sorry. Yes I’m mean, but I promise you it’s worth the education because this is the story of how I bought a home for $167,000 UNDER value.As things sit right now, I owe about $80k with a valuation of over $300k and a PITI payment of under $1k. I also have over half my monthly payment going to pay down principal which means that if all goes to plan I'll be holding my very own mortgage burning party in about 8 years. Y'all will be invited. I expect a blowout that will make a proper Tennessee Hills shivaree look weak.Some of this is due to a confluence of factors and timing, but some of it is me being a Very Particular Sort of Asshole. If you can buy, then buy. With Wall Street being the rigged and theiving game of Three Card Monte Carlo that it is, owning property is the only chance we ordinary folks will ever see.Before we go on here's a bit of mood music I think fits the situationDoubt me if you will, but this video below absolutely IS, demonstrably, how the entirety of Wall Street plays the investment game. The second you start getting confident and dropping big money on the table they change the rules on you and TAKE it. For any doubters please see the ’80s S&L fraud, the ’95 Dot Com crash, and the 2006 fraud in home loans with their REIT and fraudulently rated Reverse Derivatives crap which NOT ONE BANKER EVER WENT TO PRISON FOR.In 2007 I met up with my then girlfriend who was recently divorced and living in the house which she and her ex had bought together. In 2008 the economy was tanked and I moved in with her to help cover the bills. I had work she had a hobby type business which until then had covered her bills. She was in foreclosure due to the divorce and I wasn't in a position to be able to cover her house payment, but I could cover the other bills and our living expenses.. so I did. And life was good.As an aside, I’m on the Asperger’s Spectrum and in some ways I am a bit of an asswhole who once had a Navy Drill Instructor tell me (while laughing hard) that I “Have a very nice Full Rolling Bellow.” If y'all spot this phrase in my writing that's where it came from.If you’ve ever played Dungeons and Dragons you’ll identify me as the Chaotic Good Mage and this will come into play later. I’m also a Tennessee Hill Country boy, of Norwegian extraction, and a Navy Veteran among other attributes. Suffice to say that from many folks’ perspective I’m an odd critter, slightly left of center, who doesn’t necessarily play by the rules of society. Some find that offensive; many find it entertaining. I’ll let you decide. That is to say that I am a Very Particular Type of Asshole.;}So GF and I were having ourselves a nice little life together in 2008 and long about 2009 she started getting nasty letters from the bank about the unpaid mortgage. Since I wasn’t anywhere on the paperwork I wasn’t worried but she didn’t have a way to pay the mortgage, nor any easy way for the bank to enforce against her, I wasn’t particularly worried. I was beginning to ponder buying a house at that point any way.Now I learned about buying houses from my dad and my grandfather who are both engineers of various sorts. The rules I learned were strictly Old School and since both men had held mortgage burning parties, I’m going to listen to them over anyone else… especially any banker with a vested interest in seeing me fail (I’ll get to this in a bit but it speaks directly to my experience throughout this process)Here’s those rules:Your total payment including Principal, Interest, Taxes and Insurance (PITI) should not exceed 25% of your gross income or 33% of your net income. Yea’ the bankers and mortgage brokers will tell you that you can afford more, but they AIN’T working for you or your best interests. Ever. They’re working for THEIR commission in their wallets and whether you make it long term or not woun’t chap their hide one little bit. OTOH, I have nothing to gain and am interested in seeing as many of my fellow citizens own homes sucessfully as is possible.Your minimum payment isn’t what the banks’ monthly statement says. Your minimum payment is whatever the PITI payment is PLUS $100 minimum.If there’s any way at all for you to get a V.A. Loan, a USDA loan, or a HUD loan by all means DO IT!! There are legally mandated protections in those loan programs which aren’t available in normal brokered bank loans, and they absolutely will save you endless grief. I have a VA loan. Especially if youre in a rural or semirural area the USDA loan program can be an outstanding loan. The VA loan, if you can get it, is the best of the best.The 25% of gross and 33% of net income limits should be considered hard maximums regardless of the time frame of the loan you’re considering. Here’s the problem.. When things are good 33% of Gross isn’t an issue and even 40% of Gross can work IF things are good. The problem is that life rarely stays good for the 15 or 30 years you’re going to be paying on this loan AND if you figure wrong youre screwed because default isn’t just “hand the car back” it includes destroying your credit rating while losing your home, and that means you are going to have a tough time even being able to rent an apartment. Since we no longer have any meaningful bankruptcy protection unless your completely destitute (Thanks Clinton!) you really cant afford to mess this up.. Which means you need to be very conservative in what you think you can afford. This way when (not if, WHEN) your income does tank youll at least have half a chance to make it and keep the house. If you listen to the “new” standards you won’t get that chance.Get pre-approved in full. Your pre-approval letter should state the maximimum loan size, an interest rate, and the type of loan. Know tha sellers often get all starry eyed when they’re looking at approval letters and so your approval letter shouldn’t show a number much higher than your offer price. In any case if the approval amaount is more than about $5k above the offer it goes with, I’d ask the bank loaning yu the money to rewrite the letter so it matches the offer.If you are able to get approved for one of those loans I listed above do not, under any circumstances, surrender it for a standard Fannie Mae or Freddie Mac bank loan. You may well need to fight for it as most banks would rather lose your business than deal with the restrictions written into these loans. If for no other reason than the bank wants to force you into one of their products to keep all that interest and those fees in house. Those restrictions are critical, especially in these days of the Universal Default BS so many banks are pulling.Do not ever sign any legal document without reading it over thoroughly and understanding everything including what defines a “default” and how a default can be cured. If you see ANY indication of what’s called a Universal Default Clause walk T.F. away.When you go looking for a real estate agent get what’s called a Buyer/Broker Agreement. DO NOT hire a real estate agent without one. The reason for this is that under the laws of most states the real estate agent, by default, is legally obligated to work for the SELLER of a property. Whit a Buyer/Broker Agreement that legal fiduciary duty is shifted to the BUYER. As a buyer you need this.During the life of your mortgage you NEVER, EVER, under any circumstances refinance; unless that refi will get you at least 3 percentage points better in the rate. This is because of how mortgage amortization works. In the beginning of a mortgage of every $100 in payment only 15% to 20% goes to pay down the money you borrowed. The rest goes straight into some bankers pocket to buy them a yacht or a 4th house. As th ed mortgage ages, that rate improves and at about year 15 on a 30 year loan every $100 in mortgage payment puts $40 on paying the base amount down. The banks have a vested interest in having you pay as high a percentage of each payment to interest as possible, so they always want you to refinance. It also opens you to any new shenanigans they've come up with (like the Universal Default bull crap they're using now).Onward.. So after 2 years of living the Good Life with the GF in her being foreclosed house, I was ready to buy and had found a bank owned foreclosure I wanted, and I went to get pre-approved for a loan. The bank, based upon my income, credit, and living expenses, gave me an approval for $355K. My rules above based upon PITI being 25% of gross said I should be at about $250k at the maximum. I wanted to be at half that so when these bastards blew up our economy again, I wouldn't have to care. I've been through 4 of these events now. The rate for that time was good, and it was a VA loan so I accepted and went shopping.This was an interesting process. very interesting. In case you’re wondering how we stayed in the Girl Friends’ house for 2 years without paying, recall that in 2006 the housing bubble which banks had created over the prior two decades “burst.” In reality they blew it up for fun and profit, but that’s a whole other story (which I'll address in a bit).. She did try to get help under Obama’s fake “relief” program but the law had no teeth to force banks to allow any reductions in rate or capital, and I worked with several different agencies to no avail. In fact, out of the 30 some folks I tried to get help for with this gaslit unicorn smoke “relief” program, I know of one who actually got any help at all. The rest got squat. Here’s why:The reason we got to stay is that the banks were so swamped with foreclosure paperwork that she got missed for those nearly three years as if the paperwork had dropped into a black hole.We regarded this as a Good Thing and as a bit of just come uppance.So I had my approval for my VA loan, a bit of savings, and the house I wanted to buy within my identified price range in hand. At this point the process should have been simple, right? Nope!Despite the fact that I had dotted all the I’s and crossed all the T’s, it was a bank owned repossession, in the midst of a financial fire storm created by the national banks and Wall Street for fun and profit. SMDH asshats and thieves. Here’s the explainer of this fraud they pulled:For the younger folks here’s a slightly different explainer:So I have everything in place, all my ducks are in a row, and they’re all quacking happily. It's now mid 2010 and the housing market is crashing HARD and losing about 8% per month in price. Some of the bank owned properties were losing 10% per month in value simply because there was so much on the market. My agent and I go look at several houses I’ve identified and I found the place I’m in now. The Asking price from Bank of Asshats was $269k and I offered $269K.B of A replied that they “needed” another $10K above Asking to close the deal and I replied that I had offered Asking, and that no one else had even looked at the place in the year prior.. Note: THIS is why you need a Buyer/Broker Agreement. Without that, Peter (my agent), would not have been able to legally tell me this handy little fact, and having all those handy little facts can be very useful in any negotiation. I told B of A to keep it, and didn’t tell them I’d just put in an offer at whatever the Ask was a month from now because the market was dropping like an FA-18 jet with the engine flamed out…As we say in the Navy.. All the glide path of a rock.The next month the asking price dropped to $229k and we put in another offer at (you guessed it) $229K. Band of Asshats NTSA replied that they needed an extra $20K above Ask and they needed me to fillout a loan application with them.. meaning that they didn't like my VA loan with all those protections for me because “they were hard to work with” (which they weren't). I replied that if they had a VA Compliant loan (they didn’t) I was willing to consider financing with them (I wasn’t because of prior run ins with their entrenched corporate asshattery). They replied that they didn’t have a VA Compliant loan and that I would just have to accept a straight Fannie Mae Conforming loan… which offered none of the protections of a VA Loan and required a minimum 20% down plus an extra $8k in in paperwork fees to the bank..Nope! Keep it.I continued to look a other places and found a few I didn’t like as much but dropped offers on them with similar turd stained results.. in a market losing over 8% value per month because there was a glut in the market and even institutional investors weren’t buying.This process continued through 8 or 10 different offers over 6 months, and I kept coming back to that first house I’d identified, until I found that video on the Indy Mac Boys deal I linked above. Then I got MAD. Laughing Mad.If you ever see someone who's laughing mad, kids, the best thing to do is treat them as you would an angry boar.. Load up the largest round you've got handy and back away slowly to the nearest tree.. then climb to the top of that tree just as quick as you can.The next to last offer was also at Asking, as had been all my offers, even though Peter my agent suggested offering above ask “Just to make these F-wits happy.” We were both beginning to feel a bit like we were trapped in a low grade redux of Groundhog Day because we’d put in an offer at Ask in a market dropping like the proverbial stone off a cliff, and we kept getting the same BS of “Well we just need a bit more from you!” Once I found that Indy Mac Boys video, I did a bunch of research and found out that these dirty thieving SOB bankers had not only tanked the market by putting fraudulently rated loans into these REIT investments and the fraudulently rating those as AA and AAA investments; they had also sold that fraudulently rated and designed to crash and burn crap into all of our Employee Retirement Programs.. whichis why they crashedand burned too. RICO the bastards is what SHOULD have happened. What actually happened is Obama and his banker lap dog Holder screamed a bunch of lies about how these thieves and frauds were “Too Big To Fail!”Note 2: Yes, Shrub (Bush Jr.) Started that “Too Big To Fail!” lie AND that lying, erudite, SOB Obama picked it up and ran with it to the finish line like some kind of twisted relay race.Once I’m mad, I become testy. I still wanted this house but my game plan changed and part of that change was the result of having a Buyers Broker rather than just dealing with any old Real Estate agent. Peter filled me in on the process of Sheriff’s Sales which is the final step in clearing a title on a foreclosed home in Oregon… and I pondered.. I got mad and my Aspergers kicked in so I decided to go Full Bugs Bunny in the negotiations as I felt that would serve my Chaotic Good psyche best even if I didn’t get this house.The last offer I made was at $108k.. just about $165k below my first offer 8 months prior. I reconfirmed my VA Loan 3 times in that period as well.. at a slightly lower rate each time.Blathering Asshats, NTSA Bank, of course, came back with their now standard “Well, we need to have an extra $20k” crap because they’re greedy amoral thieves and that’s just what they do. I counter offered That in light of the market dropping 8% per month the past year, I was now willing to offer $104k AND B of A pays all closing costs.. including all inspections.Peter got a call shortly there after from a very confused young negotiator gal at B of A asking if she could talk to me directly. I said I was fine with that and she was given my number.Negotiator Gal calls me up and asked if there was a typo in the new offer because apparently she thought my tactics weren’t fair to the bank.I was still laughing mad at this point. for those of you who don’t know what this means, it’s being so mad that if I can’t blatantly point and laugh at something, there’s a better than fair chance I’ll be going to prison in very short order. Folks.. remember that wolves often smile at you right before they take your arm off.I gently explained the history of my offers on this house and the $165k drop in asking prices over the months and that I was done playing here and now I’m out for blood. I think I may have mentioned boar, wolves, and big snapping turtles.Negotiator Gal turned on her charm and repeated that they needed to have an extra $20k, to which I demurred while laughing hard. She became confused and asked me whether I really wanted the house and, still giggling like an idiot, I gently explained that I had already put in offers well above the current ask and that I was now Officially fed T.F. up with their shenanigans, and didn’t really care a bit how this negotiation worked out because I has a Plan! She asked me what my plan was and I explained that this was, based on their actions, an adversarial situation, and as such I wouldn’t be showing my cards until it was time to Call the table. I then asked her if we could come to an agreement, would she be the one approving that agreement, or would she need to consult someone else for the final approval?She replied that the deal would need to go through at least three levels of approval before it could be inked and printed.Note that I’m still laughing mad at this point, but I had my answer and I had the bit firmly in my teeth now because I knew my next step if this deal fell through was that the property would be at a Sheriff’s Sale on the courthouse steps and I had the financing to close it there with just a few phone calls to initiate the wire transfer.Poor gal.. she never saw it coming.I asked her to put me through to the person who had the final approval on these deals because I was tired of playing their silly games and wanted to either close this now, or be done with them entirely. She did put me through (probably violating some B of A policy) and after a 15 minute hold got this stuffed shirt bank VP high muckey muck who promptly starts bloviating at me about “This just isn’t how WE at Blundering Asshats Bank NTSA DO things!”I replied that I was at the point where I really didn’t care how they DiD tHiNgs any longer, and that I’d tried for months to do things their way, and was now done playing nice. he spluttered himself to a stop and asked me what I meant by that, and I recounted the chain of events from that first offer at $269k to this offer at $104k with the bank paying all closing costs. He sat silent as I talked and only interupted once or twice to ask a few details.When I got done MISTER VP offered that we could go back to the $108k offer and the bank might consider paying closing, but wouldn’t be paying any inspections.My tone became that of a Navy DI explaining something very simple to a complete idiot…I answered that this was not how this was going to play out and that he really needed to listen closely if he valued his career in banking. Mister VP became upset by my tone and I told him to either shut up and listen closely of start packing his office because my next move would be a letter to each Board Member of B of A with a CC to the New York Times, The San Jose Bee, the San Francisco Chronicle, and the Washington post laying out in gory detail the shenanigans I’d experienced and asking each Board Member to explain to me how it was that, during a market which was tanking at over 8% per month, they thought it was okay to walk away from the $165k I had put on the table with my original offer. As I laid this out i could hear Mr. VP’s sphincter puckering over the phone line..He tried to stop me once and I started listing off the names of the board members which seemed to shut him up quickly.I then said that I’d mention him by name in the letter and that my next offer, if this one didn’t close, would be at the court house steps for $84k and at that point I would cheerfully pay for any needed inspections. Then the knives came out as I asked MISTER VP exactly what those board members might think of him tanking a deal which could have netted the bank $165k more than my current offer and $20k more than my $84k purchase on the court house steps if this deal fell through because of his obdurate gamesmanship.Mr. VP hesitated and asked me a few questions about the details here and there, which I politely filled him in on and I said that I was calling their bluff. He asked how much time he had and I said “Wall suh, the offer in front of yall expires at 17:00 tomorrow, so I’d estimate y’all got about 24 hours to figure out how you’re gonna play this hand. I’ve got my letters written and all I need to do is print them and mail them return reciept. I closed the conversation by hanging up without so much as a GFY, and called Peter to fill him in on the new game plan.Peter was laughing, and I think he laughed all night long on that conversation because this really, in any normal circumstance, just isn’t How Things Work.The next day Peter called me up at 17:15 or so asking what I wanted to do.. as he explained it he had just gotten a fax from B of A accepting my $104k offer and agreeing to pay all closing costs and inspection fees along with a photocopy of a check for repairs of the issues they already knew about which was about $1,800 or so.I told him to “Let the bastards SWEAT a bit and then we’ll send back our agreement to the acceptance at $104k".. This was an option because the fools had let the offer expire at 17:00 before faxing over their acceptance so the ball was firmly in my court. Had it been before 17:00 I wouldn’t have had a choice.. So he let them sweat until 18:00 and then faxed back my acceptance and renewal of offer.I closed escrow in the beginning of 2011.Shameless plug.. If you happen to be in BFE Central Oregon and need a really good, and dead honest Real Estate Agent go look up Peter Hatton and tell him I said howdy. This guy is truly the best of the best and he knows ALL the games that get played. He also truly likes his clients even when they're a Very Particular Sort of Asshole like myself.

Laws Surrounding Tiny Houses You Must KnowMany states still don’t have specific laws surrounding tiny houses. However, this doesn’t mean that you won’t run into trouble when building one.The biggest restrictions on tiny houses will come during the building process.This is because builders still have to follow zoning regulations that are put in place by that state.One good thing to note is that even if your state doesn’t have laws, you still have options. This is because it doesn’t matter the size of the home in order to get permits to build it. All that matters is that you obtain proper permits.This way your house, no matter how small, can still be deemed safe to live in.The biggest problem that people run in to, however, is actually living in their tiny house.While you may be able to obtain zoning permits to build your home, you might have a difficult time living there full time.This is why so many people choose to build tiny homes that can be moved.Finding a permanent lot that can be lived in year-round can be tricky. But it doesn’t mean that it can’t be done. People have found creative solutions to still live in their tiny house without breaking the law.We have written an article about why tiny houses are illegal in some states. It has lots of tips and tricks to help keep yourself safe from the law while living in a tiny house.The US States Which Are the Most Tiny-House FriendlyBefore we start we would like to point out that the information below should not be taken as legal advice. It’s simply the information we have been able to dig up. We are not your lawyers.That being said, we believe this is a great list of things to be aware of (for each state) when you want to build a tiny house.ArizonaThe regulations and codes in each of the towns, cities, and county vary.In Pima County, tiny houses which are built on foundations are legal in any zones which allow “detached single-family dwellings.” They have also addressed regulations about tiny houses in order to accommodate people who want to downsize.Tiny houses which are built on a chassis (that is where the suspension/axle components have been removed and the chassis permanently attached on a permanent foundation) are treated as factory-built buildings.This means they are only allowed in certain areas.Generally speaking:Minimum dwelling/room/ceiling height/windows/door/fixture/accessibility dimensions do not apply.Ladders may replace a staircase to loft areas.Loft areas may have reduced fall protection.The number of electrical circuits may be reduced to reflect loads.Alternative compliance with NFPA 501 for mechanical/electrical systems is recognized.Coconino County, Arizona is another county which is trying to support the tiny house community.CaliforniaThe regulations and codes in each of the towns, cities, and county vary.Generally speaking, California is one of the US states which is most accommodating to tiny homes. Most of the cities allow tiny homes and classify them as “accessory dwelling units” (ADUs).Did you know, Fresno was the first city in the country to approve tiny houses (on wheels) as secondary dwelling units?California Title 25 won’t allow peoples “recreational vehicle” to be used as a dwelling unit.ColoradoThe regulations and codes in each of the towns, cities, and county vary.Counties have also made some specific changes in their laws, in the case of accessory-dwelling units (ADUs) as well. Unfortunately, these aren’t state-wide changes.In Walsenburg, Colorado, the regulators have made it easier to build and own a tiny house. They have:Waved minimum sq. footageReduced the requirement for the size of the exit doorWaved stairway regulationsPark County, Colorado has become somewhat of a haven for tiny home enthusiasts and have made allowances for people who own tiny houses such as waving these specific regulations:Having a living room of more than 220 sq. ft with 100 sq. ft per occupant (in stick-built dwellings)Separate closetsClear working spaces of more than 30 inches in your kitchen including the spaces for your kitchen sink, refrigeration unit, and your cooking appliancesSeparate bathrooms with water closets/showers/bathtubs, and lavatoriesHowever, light, ventilation, and life safety requirements still have to be met regardless of the size of your dwelling. In addition, provisions for mechanical equipment (like pressure tank, heat, and hot water) will be required alsoAll light, ventilation and life safety requirements must be met regardless of dwelling size.In cases where the efficiency dwelling unit is not a component of a multi-unit structure, provisions for mechanical equipment (heat, hot water, pressure tank, etc.) will be required as well.FloridaThe regulations and codes in each of the towns, cities, and county vary. However, Florida requires that any tiny home on wheels must be registered in the Florida DMV.In Sarasota County, they require tiny houses on wheels to stay at RV parks, but for no more than 45 days. If they stay for more than 45 days, they need to have foundations.St. Petersburg requires that any dwelling unit needs to have a floor area of no less than 375 sq. ft. On the other end of the scale, it can’t exceed 750 sq. ft.Orange County says that the minimum sq. ft of an ADU is 400 sq. ft.Florida hosts a large amount of RV parks and tiny house hotels for enthusiasts in order to try tiny living in their communities. They are one of the many states which are helping the tiny house and minimalist movements.GeorgiaThe regulations and codes in each of the towns, cities, and county vary.Decatur, Georgia has adopted an ordinance called the Unified Development Ordinance which doesn’t require that ADUs have a minimum sq. footage. This was adopted back in 2014 when the movement first started to gain traction.Talk about forward-thinking!Atlanta, Georgia is more lenient when it comes to “guest houses”, which are allowed in R-1 through R-5 zones. There are a few restrictions when it comes to the classification of “guest houses”. For example, guest houses can’t have a stove, nor can it allow someone to stay in the home full time.That would change the classification to an ADU, which are only allowed in R-5 districts.Unfortunately, tiny houses on wheels haven’t been defined or classified in most zoning ordinances and (in most zoning districts) it is illegal to rent an ADU out.Local municipalities are having to keep up with the tiny house movement because it is moving much faster than their codes and regulations can keep up with. Because of that, a lot of counties in Georgia are allowing tiny houses more leeway and showing how much, they value the movement by making tiny home living affordable.IdahoThe regulations and codes in each of the towns, cities, and county vary.However, the state of Idaho is one of the first to talk about modular, manufactured, RV, and tiny homes in the same categories. There are still strict regulations for tiny homes, but they are working with tiny home enthusiasts and minimalists to ensure that everyone feels welcome and safe.In order to comply with most of the regulations in Idaho, tiny houses must either be:Site Built (constructed like a building in a location where it will be used and cannot be moved)Modular (the components or the building itself—other than manufactured homes—must be mostly or entirely prefabricated or assembled at the location which isn’t the building site)Comply with HUD manufactured home construction and follow their safety standardsA recreational vehicle (travel trailer, truck camper, motor home, or a camping trailer designed for human habitation) with a maximum width of eight and a half ft.No matter if it is modular, site-built, or manufactured, it must have a minimum of 150 sq. ft.IndianaThe regulations and codes in each of the towns, cities, and county vary. In Indiana, each county is allowed to establish its own specific building codes. Also, they exclude codes which are considered private homes that are built by the individuals living there and will be used for their own occupancy.This is called the Log Cabin Rule.The Log Cabin Rule doesn’t apply to tiny homes on wheels. They must have a foundation.This rule was set in place to help honor the traditional housing in the state.There are many different tiny home communities in Indiana. There are plenty of “regular” housing communities who are willing to open their neighborhoods to tiny houses and even offer areas for tiny homes.KansasThe regulations and codes in each of the towns, cities, and county vary. Compared to other places, Kansas allows a number of single-dwelling residential districts where ADUs are permitted.While they aren’t permitted in RS5 or RS3 districts, they are allowed in RS7, RS10, RS20, and RS,40 districts.There are specific rules for tiny houses which are built on foundations and on wheels.As for tiny houses built on foundations:One room must be 120 sq. ft other rooms–except for the bathroom and kitchen–must be at least 50 sq. ft (according to IRC 2012).The smallest single-dwelling residential district you can build a tiny home on is an RS3 district (which has a 3,000 sq. ft. min.)Solar and small wind devices are allowed as long as they don’t go over 35ft in height. The IFC regulates the use of propane.Composting toilets aren’t yet allowedFor tiny homes on wheels:Camping in tiny homes is allowed at approved campgroundsThere are no current codes which let you park your tiny home in a backyard or on privately owned land.As a whole, tiny homes on wheels are more difficult to live in (legally) in the state of Kansas). But since each county has different rules and regulations, it’s best to check with the local municipality for their rules.MaineThe regulations and codes in each of the towns, cities, and county vary.Maine has made some statewide construction regulations for tiny houses. They define them as a dwelling which is less than 400 sq. ft. They allow:sleeping lofts,permitting ladder access to lofts,and approving skylights as points of emergency egressTowns are still able to approve or deny the construction of tiny houses.Usually, if your tiny house is built on a foundation, it needs to comply with the Maine Uniform Building and Energy Code.You can camp in a tiny house (which is on wheels) in North Yarmouth, Maine if:When placed on a site for more than 120 days per year, all requirements for residential structures are met.You do not build on a permanent foundation.It is on the lot existing before the date of the ordinance or larger than 30,000 sq. ft.Maine is one of the most accommodating states involved in the tiny house movement. They were one of the first states to adopt state-wide construction guidelines for tiny homes. It’s also common for people in Maine to convert old boat houses into tiny houses as a secondary home.They are cute, and they maintain the New England maritime culture.MassachusettsThe regulations and codes in each of the towns, cities, and county vary.ADUs are allowed in many towns and cities in Massachusetts. Specifications of an ADU are different in each town or city so make sure you check with the guidelines in your city.For example, Nantucket will allow you to have a third dwelling which can be up to 550 sq. ft.The state hasn’t clearly addressed or defined what tiny houses on wheels are. So, it is more difficult to live in a mobile tiny house.But, owning a tiny on foundations as an ADU doesn’t seem to be much of a problem.MichiganThe regulations and codes in each of the towns, cities, and county vary.The Briley Township in Michigan has defined the ‘Economy Efficient Dwelling’ as a new kind of tiny home dwelling.An economy efficient dwelling is more than 240 sq. ft but less than 500 sq. ft. It has a minimum side elevation of between 12 and 20 ft. An economy efficient dwelling has to be placed on a foundation which is both approved and permanent.The state has also adapted their zoning regulations to be more friendly to tiny homes.MinnesotaThe regulations and codes in each of the towns, cities, and county vary.There are two types of tiny houses in Minnesota: RVs and ADUs (accessory dwelling units). ADUs must be on a foundation to be filed under the same Minnesota State Building Code as “housing.”Tiny houses are more in demand than ever but finding a place to park or build proves tricky.There are a number of municipalities which support of tiny homes as an option for:the elderly,the disabled,or those nearing end of life.NebraskaThe regulations and codes in each of the towns, cities, and county vary.Tiny homes which are considered to be manufactured (mobile) homes that are with the rules and regulations of the United States Department of Housing and Urban Development’s (HUD) Federal Manufactured Home Act are given a HUD manufactured home label.Modular tiny homes with applicable construction codes (the International Residential Code and the National Electrical Code adopted by Nebraska) are issued the Nebraska Modular Housing Unit label.RVs (motorhomes, park trailers, travel trailers) must be built with the National Fire Protection Association (NFPA) Standard on Recreational Vehicles, NFPA 1192 or the Park Model Recreational Vehicle Standard.All of these structures in Nebraska are legally required to have the appropriate State or Federal label attesting to compliance with the relevant building codes affixed to them.Tiny houses, like all other houses and recreational vehicles, will be subject the zoning requirements of local jurisdictions which vary widely by jurisdiction.Nebraska has made a document which references these types of tiny houses. While the document states that zoning requirements are up to local jurisdictions, cities like Lincoln have been quite welcoming to the tiny home community.NevadaThe regulations and codes in each of the towns, cities, and county vary.In Clark County, Nevada sheds over 200 sq. ft need a building permit. Also, ADUs cannot have a kitchen or cooking facilities.The code requirements don’t specifically mention tiny homes–but they can work around some of the regulations.New HampshireThe regulations and codes in each of the towns, cities, and county vary.The state now has a law which allows ADUs. Communities in New Hampshire do not require ADUs to be occupied by the owner, but they do require the owner to live on the property.Hampshire has seen great improvement after they legalized ADUs.New MexicoThe regulations and codes in each of the towns, cities, and county vary.Generally speaking, most of the towns and counties that allow ADUs and tiny homes state that:It must have a room which is at least 70 sq. ft and no less than seven ft in any direction (including the ceiling).Each tiny house must have sanitary facilities (toilet, sink, and either a bath or shower).The bathroom and kitchen sink have to have both hot and cold water.The plumbing fixtures must be connected to an approved sewage system.The whole structure has to sit on a foundation which is considered permanentIt needs to meet the requirement of the New Mexico Energy Conservation Code.There are a number of things which must be included, and which need to be regulated such as:WindowsPermanent heating facilitiesWall-switch lightingBathroom windows or exhaust fansSmoke alarmsA door (leading to the outside) which must be at least 32 inches wide and 78 inches highNorth CarolinaThe regulations and codes in each of the towns, cities, and county vary.In Wilmington, North Carolina, tiny houses must meet the following criteria:Requires at least 150 sq. ft for the first occupant, and at least 100 sq. ft for each additional occupantA tiny house must abide by additional housing ordinances.In Winston-Salem:Accessory dwelling units (ADUs) are allowed on single-family lots as long as they are occupied by relatives, caretakers, etc.Antique and custom-built vehicles presented for first-time titling and registration in North Carolina must be examined and photographed by a local NC Division of Motor Vehicles inspector.In North Carolina, the residents of the state are somewhat divided over tiny homes.Some are worried they could ruin the character (of the classic towns), while others think they could be the perfect solution to rising housing costs and high-density areas.OregonThe regulations and codes in each of the towns, cities, and county vary.Oregon is one of the few states which allow titles to tiny houses on wheels. However, until the Recreational Vehicle Industry Association (RVIA) is able to assume responsibility for codes and inspections, tiny house on wheels owners will have to get a special trip permit and commercial hauler to move their homes.Specifically, in Portland, residential properties can host one tiny house or RV.While some of the rules and regulations involving tiny homes can be a little confusing and convoluted at times, Oregon still has many flourishing tiny home communities.This state is also home to the famous Tiny House Hotel.PennsylvaniaThe regulations and codes in each of the towns, cities, and county vary.In Philadelphia, there is no minimum house size, but, tiny houses must meet the International Residential Code (IRC) 2009.A tiny house needs to have one room of 120 sq. ft or more.Other rooms must be at least 70 sq. ft or more (except for kitchens) including height to the ceiling.Pennsylvania is one of the friendlier tiny house states to date. In fact, a community in Elizabethtown claims to be the largest tiny house community in the United States. Pretty impressive!Rural areas of Pennsylvania will likely be the easiest when it comes to finding a place to park your tiny.Be sure to check with the local municipalities for specifics.South CarolinaThe regulations and codes in each of the towns, cities, and county vary.Greenville County allows permanent tiny houses (even on wheels) if they are 400 sq. ft or less.Meanwhile, Rock Hill, South Carolina sets the minimum sq. footage at 850 sq. ft.The rise in housing costs has added to the growing popularity of tiny houses in South Carolina. The local ordinances can be a little picky because some counties address tiny homes (specifically) but others don’t know how to classify them.South DakotaThe regulations and codes in each of the towns, cities, and county vary.In Spearfish, South Dakota:A permanent tiny house on foundations that is building code compliant is permitted in all residential zoning districts in Spearfish.A temporary tiny house on wheels can be located on any commercial campground in Spearfish.In Beresford, South Dakota a tiny house:Must have the exterior width of at least 8.5 ft or more than 20 ft.Can’t be any smaller than 187 sq. ft with no less than 50 additional sq. ft per additional person.Which is not on wheels must be secured on a foundation.Which is on wheels must be secured to a licensed trailer.Has to be tightly secured to the ground when parked in order to withstand the weather. Learn more here (page 44, section 12.5).TennesseeThe regulations and codes in each of the towns, cities, and county vary.In Etowah, Tennessee, they have amended the ordinance which will now allow the building of tiny homes with a minimum of 800 sq. ft in R1 zones. There is a minimum of 600 sq. ft in R2 and R3 zones.In Dandridge, Tennessee they have created guidelines which will regulate tiny houses on permanent foundations from 100-300 sq. ft.Knoxville, Tennessee follows the 2012 International Residential Code (IRC). The regulation for a one-person occupancy requires a minimum of 120 sq. ft, while two-people require 320 sq. ft. It is not allowed to exceed three people.Meanwhile, in Warren County, Tennessee regulations require a minimum sq. footage of 138 sq. ft.TexasThe regulations and codes in each of the towns, cities, and county vary.In Breckenridge, Texas requires foundations (permanent) for tiny houses with a minimum of 320 sq. ft.Fort Worth, Texas says that ADUs may not be larger than 400 sq. ft. Currently, the ADU permits must be done in-person at Town Hall. No online forms.Austin, Texas allows tiny houses to be any size as long as they are on foundations. However, tiny homes on wheels are thought of and categorized as recreational vehicles (RVs) and are required to follow RV rules.Spur, Texas has been proclaimed as the first “tiny house friendly” town in America. They do not require a minimum sq. footage.The only real regulation which is special to tiny homes is that tiny houses on wheels are to be tied down, with the wheels removed.Texas is one of the states at the forefront of the tiny house movement. Since the rising prices of homes (in the area and in general) can make it difficult to buy a home, tiny living is an excellent housing option which is affordable.VermontThe regulations and codes in each of the towns, cities, and county vary.Burlington, Virginia permits tiny homes as ADUs with no minimum sq. footage.Williston lets tiny houses have a maximum of 1500 sq. ft.Vermont’s major cities are strict when it comes to tiny houses. Tiny home enthusiasts and minimalists can build around certain regulations and can work with the law if they build as an ADU.There are even people who park tiny houses on wheels in rural areas and often to fly under the radar.It’s a bit like dispersed camping but with your entire home.The LEAST Tiny-House Friendly StatesDeciding where to live is such a personal choice. There are a ton of factors to consider. Many people who are looking to downsize their life are not interested in picking up and moving cross-country.However, not every state is suited for the tiny house living.Here are some of the laws by state to help make your decision a little easier:AlabamaThe regulations and codes in each of the towns, cities, and county vary.In the state regulations, tiny houses are never specifically addressed. However, Jefferson County does allow ADUs in districts that aren’t more than 200 sq. ft.According to Alabama Tiny Homes, tiny houses are in the process of being widely accepted in the public.AlaskaThe regulations and codes in each of the towns, cities, and county vary.In Anchorage, Tiny houses on wheels are treated like RVs. They are restricted to R-5 zones.If they are on foundations or built as manufactured homes, tiny homes face fewer restrictions on location. However, they will need a “conditional use” permit.If they are on municipal property, tiny homes must be connected to water and sewage.There has been a lot of interest in tiny homes, through Alaska. However, there aren’t many in the state. Tiny houses aren’t “officially” allowed in the city of Anchorage. Areas near the cities are flexible, but there aren’t any specific tiny house building codes set.ArkansasThe regulations and codes in each of the towns, cities, and county vary.In Walnut Ridge, the city voted on restricting homes to a minimum of 600 sq. ft.Rogers, Arkansas only allows tiny homes in a residential area if they are built on a foundation, from the ground up, on the property.They also rezoned a portion of lots (around the Bella Vista Lake Park area) in order to allow a tiny house community there.While Arkansas has made it somewhat difficult to build and live in a tiny home, there have been some areas who have been trying to help the movement. Included in these are areas which view tiny homes on wheels as RVs. While that restricts them to mobile home parks and RV parks, it is a start to—hopefully—a bigger chain of events.ConnecticutThere are no discussions or proposals which indicate that the state of Connecticut is willing to open themselves up for tiny living. They are strict about their land use and housing developments.The zoning regulations don’t allow for tiny homes.As such, tiny home enthusiasts in the area are looking for an advocate to speak up for them.DelawareDelaware does not have any specific regulations for tiny homes but there are organizations which are trying to make tiny houses available as an option for people who need affordable housing.As of the date on this article, the state requires that the people who own and live in tiny homes (on wheels) need to get a title within the month after they purchase it.Also, anything that is eight feet by forty feet (or has more than 400 sq. ft) are considered mobile homes by the Delaware DMV.Anything smaller is considered a trailer.HawaiiThe regulations and codes in each of the towns, cities, and county vary. People who own tiny homes in Hawaii can:Purchase a plot of land for their homeFind private property from someone who will allow their home on their landMost likely NOT be in areas where there are “restrictive covenants (like CC & Rs)Register their tiny home on wheels with the DMV as a “travel trailer”(if they have their home on wheels) be subject to zoning restrictionsIn Hawaii, there is a Tiny House Initiative which is hoping to help solve the farm working housing challenges on the islands.Since the state relies heavily on tourism, there is a rise in the prices of housing and land, which is not great for the farmers who are under strict housing codes.Fingers crossed that the tiny house initiative will bring some positive changes for the farmers and those affected by the rise in housing prices.IllinoisThe regulations and codes in each of the towns, cities, and county vary. Tiny houses are allowed in:Mobile home parksCampgroundsPrivate propertyOtherwise, it is the law of the counties which have authority on whether you can or can’t live in a tiny home.They are illegal in Chicago. However, as you get into more rural places, it becomes more of a “gray area” to live in a tiny home.If they are on wheels, they’re classified as recreational trailersIowaThe regulations and codes in each of the towns, cities, and county vary.For example, the Council of Iowa Falls made changes to the City Code which reduced the minimum size of a house from 600 sq. ft. to 500 sq. ft.It’s still difficult to build your tiny home in Iowa but it is catching on in places where the housing and land costs are so high.The biggest pitfall has to do with the local zoning ordinances which dictate how small your sq. footage or lot needs to be.KentuckyThe regulations and codes in each of the towns, cities, and county vary.If they follow the necessary codes, tiny homes are allowed in the Louisville Metro area if they are considered:Permanent or site built (built on a foundation, and are reviews and processed like any other home)Prefabricated or modular (fabricated off-site, assembled on-sit, placed on foundations with documentations and reviews after this process)Portable (home on wheels would fall into this category but it would need to be moved to an area for permanent placement, not to mention, it is still subject to zoning requirementsLouisianaThe regulations and codes in each of the towns, cities, and county vary. All cities, however, are required to follow the 2012 International Residential Code (IRC), which states that:One room must be at least 120 sq. ft in sizeLofts must have windows and stairs (ladders don’t count)Three feet for stairs, doors, and hallways, and ceilings need to be at least 7 feet tall.Because of that, the tiny home enthusiasts in the state are hoping that the 2015 IRC will take into effect soon, which will negate the specifics which make building a tiny home difficult.MarylandThe regulations and codes in each of the towns, cities, and county vary. However, they aren’t acknowledged by the state at all.Laws are slightly friendlier to tiny houses built on foundations but there are still zoning laws which restrict people from living in those tiny houses. It is easier if tiny home enthusiasts want to go to a more rural place, however, big changes need to be made.MississippiThere aren’t any laws in place which govern tiny houses. While tiny houses were used after Hurricane Katrina (as emergency shelters), the local governments haven’t taken any action which will make those tiny home considered as permanent housing.MissouriThe regulations and codes in each of the towns, cities, and county vary. If they are on wheels, tiny homes are considered to be travel trailers. This term is defined as a “portable vehicular unit mounted on wheels, which is designed to provide temporary living quarters for camping, travel, or recreational use.While they don’t require special highway permits (when they are being pulled by a motorized vehicle), that only works if there aren’t wardrobe, closet, kitchen, bath, or toilet rooms.Other than that, they aren’t allowed in the city. It is considered unlawful to park your tiny home on wheels, on the street or anywhere which is considered public property. But they are allowed in the case of disasters.MontanaThe regulations and codes in each of the towns, cities, and county vary.You can register a tiny home (self-built) but it will need to be restricted to the term travel trailer or RV.New JerseyThe regulations and codes in each of the towns, cities, and county vary. Regulations are in the works, but many counties are working against them. The Tuckerton Land Use Board (for example) denied a tiny house community for veterans. The Rockland town only allow the storage of a recreational vehicle on a residential lot, if it is unoccupied.Haverstraw, New Jersey allows caretaker’s cottages if the lot is larger than two acres.New YorkIn New York, temporary structures like as tiny houses are not allowed.You can register a tiny house on wheels, but you will not be able to live in one full-time. If you live further away from major cities, it is more likely you will be able to live in your tiny home under the radar.North DakotaThe regulations and codes in each of the towns, cities, and county vary.The regulations in Burleigh County are:The minimum size requirement of 965 sq. ft,can be placed on agricultural lots.houses on wheels must be placed on a foundation.must have access to water, sewer, electricity, and gas.must meet standard building codes.does not currently allow accessory dwelling units (ADUs).Meanwhile, North Dakota Century Code and the Burleigh County Ordinance does not prohibit any tiny home which is placed on a lot of 40 acres or more.OhioThe regulations and codes in each of the towns, cities, and county vary. Most of the areas in Ohio don’t know how to classify tiny homes so they end up falling in the “variance” category in a few counties.Cleveland requires at least 950 sq. ft for a home.ADUs are permitted if they are not a primary place of dwelling.OklahomaThere are not yet any regulations and codes in each of the towns, cities, and county vary.If they are placed on foundations, they have a better chance of meeting building codes and zoning requirements. Houses on wheels must be in the same category as RVsRhode IslandThe regulations and codes in each of the towns, cities, and county vary.Make sure to check with your local municipality for building codes and zoning regulations.More recently, they have passed a law (state-wide) which allows owner-occupants of a single-family home to build ADUs for seniors they are related to if the senior relative is at least 62 years old.UtahThe regulations and codes in each of the towns, cities, and county vary.Washington County, Utah allows a minimum sq. footage of under 300 ft for a tiny home as long as they are on foundations and hooked up to utilities. Tiny houses on wheels are defined as “park model recreational vehicles.”Salt Lake City, Utah, allows ADUs which are either 50% of the sq. footage of the main structure on the property or 650 sq. ft, whichever is bigger.Eagle Mountain City, Utah lets tiny homes on wheels in R1 zones.VirginiaThe regulations and codes in each of the towns, cities, and county vary.Staunton County, Virginia allows you a tiny home with a minimum of 200 sq. ft.Virginia Beach does not have specific ordinances for tiny houses. They do, however, treat them like any other residential space as long as they meet the Virginia building codes.WashingtonThe regulations and codes in each of the towns, cities, and county vary.Woodland, WA allows ADUs to be between 300 and 800 sq. ft.Tiny houses in King County must be on a permanent foundation.It is much easier to live in a tiny home in Washington State if it is on a foundation and not in a place where you need to park it.West VirginiaThe regulations and codes in each of the towns, cities, and county vary.Jefferson County, West Virginia allows ADUs which have a maximum of 1700 sq. ft.WisconsinThe regulations and codes in each of the towns, cities, and county vary.Madison, Wisconsin won’t allow tiny houses on wheels less than 150 sq. ft. If they are bigger than that, they are considered “portable shelters”.Dad County, Wisconsin says ADUs can’t be more than 800 sq. ft.WyomingThe regulations and codes in each of the towns, cities, and county vary.In Casper, WY, tiny houses must be/have:on foundations (and then are defined as “efficiency dwelling units”a living room of 220 sq. ft. or more (if both the living room and bedroom are joined)120 sq. ft. if they are separateDefined as a trailer if it is on wheels and must be put on an R6 zoning districtFinal ThoughtsWhile it is easy to follow the trends when it comes to where to build your tiny house, where is the fun in that?Don’t be discouraged by outdated state laws. Instead, try to change them!The only reason why certain states have better laws to allow for tiny houses is that someone pushed for them. So, if you find that your dream state is not ideal for your tiny house, push to be the change!Chances are you can find plenty of like-minded people in your area that want to do the same.Good luck.