I'm sick of renovating.

[bunch]

I have no idea how you've survived this long. As long as you're not putting a lot more into the home than its worth, I'd do it.

[carolinagirl831]

I'd do it, especially not having a mortgage! For your sanity and happiness

[bunnymendelbaum]

I hear you.
I'm so sick of it too. I posted a similar post recently. I want to enjoy my kids too!

[SusanBAnthony]

I would take out the loan and do it, but only for some of the stuff. I would narrow it down and hire out the stuff that bugged me the most and/or the stuff that would be the hardest to DIY.

[lb2006]

We're getting ready to pay for major remodels - via cash & home renovation loan. And we have a mortgage There are items we're not willing/capable TO do (i.e. re-pitching the roof, framing, and i'm not crawling under the house to dig/re-support piers). We're taking the trade-off of some sanity for the financial commitment.

I will also say that tax values aren't always indicative of value. We bought an estate fixer on the water - and for some reason our county feels its value is in gold....when it is NOT. we tried to appeal, but they immediately look at location, not value of house. We bought our house for WAY below tax value, appraised value. You could see what comps are in your area if you're worried about possible resale down the road....

[lys]

we hired out for electircal, plumbin

[lys]

we hired out for electircal, plumbing, HVAC, roofing and concrete work. We added dry wall to the list as I could not deal with the mess and wanted that done ASAP!
For house #1 my kids were small and I worked on refinishing all the wood trim 2 hours a day - for a L-O-N-G time.  It took all winter to paint my kitchen cabinets doing 2 doors at a time.

[sratsey]

If the payment isn't anything that is doable every month, I would also do it.

[pitterwoo]

for sanity, I totally hear you. I posted a similar complaint about my house recently. The only thing holding us back from just taking out equity is that house values are considerably lower in my neighborhood and I just can't stomach putting that much money into it. With two young kids, I can really understand needing to have less chaos with the house. Good luck.