#Rehab Loans

[thebuyeragency]

Fix and Flip with Advance Draw

Fix and Flip with Advance Draw Fix and Flip is a rehab purchase loan, that is based on the approvement of a investment property based on the appraisal value after repairs are complete. 620+ mid credit score 1/3 of the rehab value paid up to $30k within 5 days of closing and no inspection required. We can lend up to 90% of total cost (purchase price + rehab)  We can close on average in 5-7 days…

[yesornopolls]

Should i make student loan payments

[the-gay-prometheus]

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[boathouse-cfg]

Understanding DSCR Loans in Michigan with Boathouse Commercial Funding Group

Introduction:

In the world of real estate investment and business financing, understanding your options is crucial. One such option gaining traction in Michigan is the Debt Service Coverage Ratio (DSCR) loan. BoathouseCFG Michigan, a leader in financial services, offers expert insights into DSCR loans and how they can be a game-changer for investors and business owners in the state. What is a DSCR Loan? A DSCR loan is a type of loan where the lender evaluates the loan's feasibility based on the cash flow generated by the property or business, rather than the personal income of the borrower. This approach is particularly beneficial for real estate investors or businesses that have significant income from their investments. 

Advantages of DSCR Loans:

Focus on Investment Income: DSCR loans consider the income generated by the property, making it easier for investors with multiple properties or fluctuating personal incomes to secure financing.

 Streamlined Approval Process: Since these loans focus on property income, the approval process can be more straightforward compared to traditional loans.

Flexibility: DSCR loans often offer more flexibility in terms of credit scores and down payment requirements.

 How BoathouseCFG Can Assist with DSCR Loans in Michigan:

Expert Guidance: Our team at BoathouseCFG has extensive knowledge of the Michigan real estate market and can provide tailored advice on securing a DSCR loan. 

Customized Solutions: We understand that each investment scenario is unique. Our experts work with you to find the best loan structure to fit your needs. 

Seamless Process: We ensure a smooth and efficient loan process, from application to closing, minimizing the usual complexities involved in financing. 

Calculating Your DSCR:

Understanding how to calculate your DSCR is key. The formula is relatively simple: Net Operating Income (NOI) / Debt Service. A DSCR of 1 means your income exactly covers your debt payments. Lenders typically look for a DSCR higher than 1. Our team can help you crunch these numbers accurately.

 Real-Life Applications in Michigan:

 DSCR loans are ideal for a variety of scenarios in Michigan’s diverse real estate market, from investing in rental properties to refinancing existing investments. We’ll share some success stories and how DSCR loans made a difference. 

Conclusion: 

Whether you’re a seasoned investor or just starting out in Michigan’s real estate market, understanding and leveraging DSCR loans can provide a significant advantage. At BoathouseCFG Michigan, we’re committed to helping you make informed financial decisions to grow your portfolio effectively. 

Call to Action:

Interested in exploring DSCR loans for your real estate investments in Michigan? Contact BoathouseCFG today. Our team is ready to assist you with expert advice and customized financial solutions. Visit https://boathousecfg.com to learn more or schedule a consultation.

Tag- DSCR loan michigan, best DSCR lenders, DSCR loans near me, hard money Rehab loan, commercial apartment loans, multi family loan michigan, apartment loans michigan

[mybiasisexo]

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[novatomortgage]

Explore the benefits of FHA loans with Barrett Financial Group. Our experts guide you through the FHA loan process, helping you achieve your homeownership dreams. Discover affordable financing options today!

[conventionalrehabloan]

Conventional Rehab Loan Calculator, Guidelines, Requirements, Limits, Down Payment

Inroduction

With a Conventional Rehab Loan, a homeowner can use a single mortgage to pay for both the purchase of a home and the cost of renovations or repairs. Because it enables borrowers to buy a property that may require significant repairs or improvements and transform it into a livable and desirable home, this loan is also referred to as a "fixer-upper" loan.

Conventional Rehab Loan is not supported by the government and is instead provided by private lenders.

The following is a list of the upcoming events:

Most lenders demand an LTV of 80% or less.

The LTV is calculated as the loan amount divided by the appraised worth of the property.

The borrower may use the loan to refinance an existing mortgage and borrow additional funds for home improvements, or to buy a property in need of repairs or renovations. The loan amount is determined by the property's after-repair value (ARV), which is its estimated worth following any renovations or repairs.

For homeowners looking to buy a home that requires major repairs or upgrades, Conventional Rehab Loan can be a good choice. In contrast to conventional mortgages, however, borrowers should be ready for a more involved application procedure as well as possibly higher interest rates and fees.

Conventional Rehab Loan Definition

A Conventional Rehab Loan is a kind of mortgage that offers funding for both the purchase price and the expenses of house renovation. Based on the expected value of the house following renovations, the loan amount is determined. Homebuyers who want to acquire a property that needs work and make significant renovations or repairs frequently use this type of loan. The borrower usually has up to 12 months to finish the renovations. The money is disbursed in stages as the work advances. Conventional rehab loans are provided by private lenders and backed by Fannie Mae or Freddie Mac.

Conventional Rehab Loan Calculator

You can calculate your monthly mortgage payments for a home renovation job using a Conventional Rehab Loan Calculator.

Here is a straightforward tool you can use:

Establish the overall loan amount required for the renovation project, taking into account both the cost of the property's purchase and the renovations. 

Enter the calculator with the loan amount, interest rate, and duration. 

A projected monthly mortgage payment for the repair loan will then be produced by the calculator.

Here's an illustration:

Amount borrowed: $200 000

4% interest rate 30

year loan period $954.83 per month is the mortgage payment

Remember that this is only an estimate and that your actual monthly payments may differ based on your credit score, down payment, and the location of the property. To get a more precise estimate of your monthly payments, it is always a good idea to talk with a mortgage expert.

[thebuyeragency]

100% Financing, No Down Payment on Fix and Flip Loans

100% Financing, 100% Rehab, No Down Payment on Fix and Flip Loans Fix-to-Flip Fix-to-Rent Fast Closings Flexible Terms up to 75% LTV* No Down Payment Fast closings in less than 14 days (faster for repeat investors) 100% Financing 100% Rehab 48 States We want to be your Funding Partner! Katrina Lane Broker The Buyer…

[woso-dreamzzz]

Hi Barbie II

Jana Fernández x Vilamala!Reader

Summary: Bruna interrupts

"Oh my god! Hands where I can see them! God!"

Jana jumps out of her skin at her best friend's voice, nearly landing on the floor as you tilt your head back to look at your sister.

"We're cuddling? Can't we cuddle anymore?"

"Not with Jana!" Bruna laughs as Jana's face burns red. "She might just combust! Did you know how many years she's been dreaming about doing this with you? Who knows what will happen?"

"Leave us alone, Bruna," You grouse," What are you even doing here? This is my place."

"Which is another thing," Bruna says as she goes straight into the kitchen to grab some food," You're living in London until the end of the season. Why have you still got this place?"

"The loan isn't long term," You reply," I needed a place to come back to. What about you? You don't even have a key."

Bruna shrugs. "I had one made when I house sat. You're got good sunlight here."

You roll your eyes and turn to look back at Jana. "Sorry, I didn't know she would be stopping by."

"It's okay." Jana's voice is barely above a whisper and her face is still red. The embarrassment seeps into her bones and settles there as she readjusts her position.

This whole afternoon was like something out of the most perfect of daydreams. She'd had the day off from rehab and you weren't needed at Arsenal until next week so you picked her up from her apartment to have lunch.

You went from lunch to the market to a cute coffee shop and then back to your place to mindlessly watch tv as you talked.

Jana has been on cloud nine all day. She can scarcely accept that this was truly her life, that her long-term crush was dating her and you were having nice domestic moments like this.

Trust Bruna to bring her straight back down to earth.

"Don't you have training?" Jana asks and Bruna flashes her a smile.

"Why? Don't you want to see me? Aren't we best friends, Jana?"

Jana can feel her cheeks turn even more red than before (something that she wasn't sure was even possible) as Bruna hops over the back of the sofa and tries to squish her way between you both.

"Hey!" Jana complains as Bruna tries to push her out of the way, shoving her right back in annoyance.

She keeps fighting before breaking off when you throw your head back to laugh. She's star-struck for a moment.

Sun is filtering in through the windows and hitting you just right for it to look like you're glowing and Jana can do nothing but stare even as Bruna keeps swatting at her.

"You're so gross!" She was complaining but Jana isn't listening as she focusses on you.

You're still laughing, head thrown back and you tilt it to make eye contact.

It causes Jana to smile too and you reach over Bruna to grab Jana's hip, pulling her up and over your sister to settle on your lap.

The movement is unexpected but the feeling is nice and Jana feels herself go completely limp as you manoeuvre her the position you want.

Bruna pretends to gag but, thankfully, doesn't comment as she grabs the remote to channel surf.

You don't even glance at her as your whole attention goes to Jana, whose brain has finally caught up with her body when she realises the position that she's in.

Again, Jana thought it was impossible to grow even redder than before but it's like her body doesn't believe in its own limits and her blush grows ever deeper.

You're still smiling at her, eyes never straying, and your hands are still on her hips.

Jana smiles back before growing embarrassed and looking away.

"You're so cute," You whisper, chasing her lips with your own and giving her a soft peck.

You both chance a look at Bruna, who hasn't even noticed, so you steal another and then another.

"Should we get out of here?" You ask," There's this nice coffee place that Ingrid showed me last year."

Jana bites her lap. "And Bruna stays here?"

"Definitely."

"Let's go."

Jana is loath to leave the safety of your hands on her hips but she laces your fingers with hers and suddenly feels settled again.

"Bruna," You call out when you're by the door," Me and Jana are heading out."

"Why? Can't make out with me here?"

You roll your eyes. "No but we might do that when we come back. I'll text you so you can leave in time."

"Ha! As if!"

You shrug and pull Jana through the door, swinging your joined hands. "It's on your head if you see something you don't want to."

[copperbadge]

Radio Free Monday

Good morning everyone, and welcome to Radio Free Monday!

Ways to Give:

Anon linked to a fundraiser for Andrea, a trans woman, UU minister, and veteran, and her wife Wren, a genderqueer veteran, who are currently homeless along with their three cats. While they are working with the VA to get approval for housing assistance, they're in need of funding to get back on their feet; you can read more and support the fundraiser here.

littleredreadinghood linked to a fundraiser for kirkaut, who was recently diagnosed with an aggressive cancer and is in need of help with medical bills. You can read more, reblog, and find giving information here.

like-the-midnight-sun linked to a fundraiser for a close friend, a queer, trans, and multiply-Disabled writer who has just lost their job and needs to pay a steep phone bill to reactivate their service so they can look for work. You can give via paypal here or via Chime to nachonaco.

Anon linked to a fundraiser for crazywolf828, whose grandfather, one of the household's main income sources, recently suffered a broken hip and is currently in a rehab center; they need help with medical bills among other things. You can read more and reblog here or give via ko-fi here. (The page does pop up a "possible NSFW comment" warning window but there's nothing NSFW on that page.)

Anon linked to a fundraiser for Vinn, a disabled nonbinary person who is raising funds to move away from Utah, where being a queer person is becoming steadily less safe, to Michigan, where they have a place to live with their partner already set up. You can read more and support the fundraiser here.

like-the-midnight-sun and her wife are multiply marginalized people who don't feel safe in the US anymore; they are fundraising to move to somewhere in Europe, probably Norway or Sweden, where they will be less likely to experience violent persecution. You can read more and support the fundraiser here.

like-the-midnight-sun and her wife are also hoping to get temporary assistance with a vet bill before they go out of town; the appointment is the day before payday and they won't be able to cover it until they are paid. They need a loan of $150 that they can pay back; you can give (with repayment on March 30th) via paypal here, via Venmo to ARZinzani (9980), or via Chime at $Nassun-0428.

Recurring Needs:

thelastpyler is raising funds to help with food, transportation, and replacement IDs after being robbed; you can read more, reblog, and find giving information here.

And this has been Radio Free Monday! Thank you for your time. You can post items for my attention at the Radio Free Monday submissions form. If you're new to fundraising, you may want to check out my guide to fundraising here.

[redrockcapital]

How Do Non Recourse Real Estate Lenders Work?

Real estate investment is the safest bet because it gives assured returns. If you ever get an opportunity to invest in a property, you shouldn’t miss the opportunity. Non recourse real estate lenders are here to help and they can provide real help as and when required. The real estate market has many players and lenders are one of the key players.

[am-i-the-asshole-official]

AITA for cutting my dad out of my life?

My (30F) dad (58M) has been an alcoholic for pretty much my whole life. When I was a baby, my parents frequently couldn’t pay the rent or other bills because he was the sole earner and spent the majority of his money on alcohol. They fortunately were never evicted because of it, but they never really had any money and always had to borrow from relatives to get by.

My mum (56F) eventually divorced my dad when I was three, but she still tried to help him and for the most part, he has always been in my life. She has loaned him money over the years and has supported him when he has tried to access support for addiction (rehab, therapy, etc.) or all the times he has been hospitalised due to his drinking. He has attended rehab several times but it never seems to stick. Most times he has been back drinking within days of leaving. My mum has pretty severe depression already and has been suicidal in the past and stressing about him made her (and my) mental health much worse.

Fast-forward to about four years ago. My dad would come to mine and my mum’s house most days to offer to run errands and such. I was often in work and so, against her better judgement, she would give him her bank card to go and do shopping for her. He would always get a receipt but she never really checked her bank account to confirm what he was spending.

She eventually noticed that he was withdrawing cash most times she sent him shopping. When she added it up, it came to hundreds of pounds. This is in addition to money she had actually loaned him. One day she gave him my card to use instead, thinking that he wouldn’t steal from his own child. I checked my account whilst he was gone and saw that he had taken £5. It was only a small amount but it felt like such a betrayal for both my mum and me. We had tried to help him so much over the years, often at the cost of our own mental health, and now he had stolen from both of us. When he got back to our house, we confronted him and he admitted it. He was very apologetic and ashamed but I think my mum and I had both reached our limit. We asked him to leave and not come back.

Since then, I have messaged him on his birthday and Father’s Day. My mum and I have also occasionally contacted him to check he is okay. Beside this, we haven’t really had any other contact with him. However, it is clear that his health is very poor. He has another child (36M) who has told my mum and me that Dad is frequently in and out of hospital due to his drinking. However, neither of us can bring ourselves to get involved again, as every time we have tried to help, he doesn’t seem to be able to help himself and it has a major effect on our own well-being.

I do believe addiction is an illness that people should be supported through more than punished for, but I do feel we reached a point where we could do no more and he had to do some of the work himself. But I feel like one day, we’re going to hear that he’s passed away or is dying and feel like we should have more, or that I essentially abandoned a sick parent over £5. But I’m not sure what more we could have done.

AITA?

What are these acronyms?

[abubblingcandle]

🌀

Thank you love!! So this one is a fic I have discussed in length on the server but is one that I am super excited for!!!

🌀Post the fic summary for a fic you haven't written/published yet. It can be hypothetical or something you really plan on releasing... - There's No Place Like Home

The concept of this fic is Jamie's dad being at the match where he gets subbed after the fight with Roy and he lets Jamie know exactly what he thinks of his son showing him up on TV and the global stage. He is badly injured with a badly dislocated hip and various broken ribs and is deemed out for the season. Because of this he is sent back to Manchester to rehab and his loan terminated. From the frying pan into the fire.

It comes out that it was James Tartt that did it and Roy, Ted and Beard go on a crusade to see if Jamie is safe. He's not. But he also won't leave.

This will be 3 chapters and will cover the prompts: No Holds Barred Beatdown, Regret, Leave the Lights On

Here's a little snippet:

Jamie was in agony but the pain in his heart was much worse. He couldn’t move, the doctors had said he wouldn’t be able to move without support for weeks. Weeks, before he could even move with crutches. Out for the season. No one had officially said it yet but he knew. It was four months until the end of the season round a bout and he wouldn’t be off crutches for three. He was done. Richmond had Dani back now, they wouldn’t be hanging about for Jamie to recover and Man City didn’t need an unfit, unready and overweight Jamie Tartt. They barely needed a peak fitness Jamie Tartt. He was out for the season and that meant going home, if he really ever had called that soulless house in Manchester home.

[fkmarrycill]

WIP

I'm in that state where you want to write but you just don't have the energy or motivation. 🤷🏽‍♀️ Here's something I started earlier this year. My writer friends, please send positive vibes for me to get back to writing. 🙏🏽❤️

Pay the Piper

Fatima could hear the music from outside the club. High BPM, with a relentless drum beat. Of course he'd have a jungle night at his club. She smiled to herself, flashing back on nights they'd stumbled out of their favorite Birmingham clubs before dawn. But she froze when she realized her heart was beating at a speed similar to the music. Her heart didn't surge with love for him anymore; now, it was nervousness and regret.

She crossed the street, and the music and her nerves continued their assault on her body. With each step closer to the entrance, she kept up an internal debate on whether it was fear or excitement that she was feeling. Yes, things ended on a bad note, but she was glad that Tommy remembered her, remembered that one electric summer before she went off to college. It was also good that his hurt had softened enough for him to agree to her proposal. Although, this was Tommy, so it was always possible that this was a bit of a long con to take his feelings out on her, in person this time.

She couldn't believe it was that easy: one night with Tommy, and Marcus’s debts would be forgiven. Her boyfriend would've had something to say about it, if he had been awake, but he lay in the hospital bed, another day in the induced coma that was his best chance at survival, after the beating he'd endured.

She couldn't believe that he'd gotten himself into this mess again. He'd never check himself into rehab for gambling, though, he'd just keep making the same mistakes over and over again. She would've dumped him if she hadn't felt so bad about wanting to leave when he was at his lowest.

The problem this time was that Marcus owed Tommy. The two-bit loan sharks that used to run the neighborhood knew he was good for the money, but now the Shelbys had moved in and taken over, blitzkrieg-style, with the expansion of their empire, and the rules had changed. Marcus had, unfortunately, learned the hard way.

She adjusted her necklace, a big, sparkly piece of costume jewelry that drew attention to her décolletage. She remembered the way Tommy loved to nuzzle her breasts and figured she'd encourage him with a strapless dress that threatened to not restrain her. The short, flared skirt would be the icing on the cake for him, she mused. Plus she'd know right away, by the look in his face, how much he missed her.

She put her hand on the door and opened it.

Just one night, then things would return to normal is what she'd told herself when she heard Tommy's arrangement to forgive the debt, but now she wasn't so sure that's what she wanted.

[elementary-my-dear-daddy]

Earning Your Keep

Analogical (Virgil & Logan)

This story will be a series for the sugar daddy idea i've had running around in my head for some time now lmao. I really hope you guys like it since I enjoy writing it :)

Read it on AO3!

Virgil likes to take care of those he holds close, and maybe also a stranger that offered him a ride home.

Virgil was never rich. His family was big and his parents couldn’t make very many ends meet for most of his life, leading him to work his way through school. Once he graduated with a bachelors in psychology, he picked up two jobs to start paying off his loans, one in retail which drove his mental health into the ground, and the other as a behavioral health tech at a rehab center, which only had night-shift positions open and kept him up all night. He was paid and treated like shit, and on the cusp of breaking down when he got extremely lucky. For his 27th birthday he got the usual card with a cheesy message from his grandparents, but instead of the typical twenty bucks or a gift card, he found a lottery ticket sitting neatly inside. He didn’t think much of it, handing it over to the convenience store clerk when he was picking up an energy drink before his next shift.

“I don’t think this is worth anything, but if it has anything on it can I just use it to pay for this?” Virgil put his drink on the counter while the clerk scanned the ticket.

“Woah, woah. Oh my god.” 

“What?”

“Dude, you just won.”

“Huh?” Virgil knit his brow in confusion. He glanced over at the cashier’s screen, noticing the rather large number it displayed.

“Yeah, you won the jackpot! It’s over like 200 million! Holy shit! Here, sign it and take it to a lawyer!” The person handed him back the slip of paper and a pen. Virgil’s brain had short-circuited, causing him to just follow instructions. He didn’t really understand what was happening, so he just took the ticket back and walked out and back to his car, driving straight home and immediately typing ‘what to do if you win the lottery’ into his computer.

A bunch of results came up saying a bunch of stuff- tax experts, lawyers, and a bunch of steps that caused Virgil to lay down on his bed and rock back and forth for a little while. He didn’t believe this was happening to him. Maybe it wasn’t real? This was just a nightmare right? A really good bad nightmare.

All the things he saw online said not to tell anyone, but he couldn’t just sit there not making a decision. He picked up the phone and dialed the only person he knew who could possibly help him out.

~~~~~~~~~~

“You what ?” Janus’ voice hissed through the speakers on Virgil's phone, “Is this some weird joke, because it isn’t landing well.”

“No, no, I promise it's real, I-I checked and the numbers match up and I verified it at the gas station and, and-”

“Virgil, breathe. Calm down. I’m coming over so we can talk. I’ll help you get this figured out, and make sure you aren’t having delusions of grandeur.” Janus sighed, “I’ll be there in 10.”

Janus was over shortly, Virgil working with him to figure out the next course of action. Everything was going so fast. The next day Janus helped him set up meetings and accounts, and get lawyers and a budget going. The week flew by in between the contracts and calls. Even the next few months seemed to go by in a blur of bureaucratic processes. 

The first thing he did was set his parents up with a decent place to live and help them with their debts and medical bills. He did the same for himself, getting his student loans paid off finally and allowing himself to move into a spacey yet cozy penthouse. He quit both his jobs, but tried to end on a good note with his boss at the clinic in case he did ever want to go back. He was, probably for the first time in his life, comfortable.

~~~~~~~~~~

Time kept passing and Virgil had to now figure out what he wanted to spend his time on. He’d picked up his passion for music again now that he could afford nice equipment, but never had the intent to go anywhere with it. He looked into some online classes he could take, just for fun and to keep his mind stimulated. He even worked with Janus and some of his lawyers to start a charity for helping disabled students with loans that didn’t have the luck that he had. That was as close to a job as he had, once they had an office set up he made a regular schedule to help sort things out with it.

The routine he made helped him adjust to his new life. Getting up, going to the office, processing applications, working on his classes and playing music. He didn’t really spend his money anymore beyond his needs. Nothing fancy brought him much happiness. He didn’t host parties or have many friends that hung out with him before he became well off. He’d tried to go on a few dates, but the people he’d seen either knew him from the news when he originally won or they’d act disinterested until he brought up his money. The one time he actually thought he’d found someone he was interested in, the guy had thrown a fit that he wanted to end their 3rd date early to not have a panic attack.

They went to a planetarium, which for the most part Virgil enjoyed, but the segment about how small of a spec the earth was in the grand scheme of the universe triggered the existentialist anxiety of dying alone and not mattering. He had to run out and go calm down, but that proved difficult with his date shouting.

“Do you know how fucking rude it is to just run out on your date? I had to pay for these tickets, you know, and they aren’t cheap!”

“I-I know, i’m sorry, I can, um, here I’ll pay you back-” Virgil started to reach for his wallet.

“Whatever, it’s fine, let’s just see if they’ll let us back in, cmon.” The guy tugged at Virgil’s arm.

“Um…Actually I was wondering if…s-sorry uh, could- could we just go home?”

“What, are you not having a nice night? You could at least not waste my time, you know.” 

“I know, I'm really sorry, we should- maybe, uh… you can go and I’ll just head home and call an uber-”

“Ugh are you serious?” His date frowned, “You know what? Just go, I don’t wanna deal with this anymore. Don’t call me again, we’re done.” 

He watched his date head back into the planetarium and sighed, resigning himself to a bench outside to shake off the rejection. He shivered as a spike of anxiety hit him. He had to count his breaths, but it wasn’t working. He was gonna end up alone and live a completely inconsequential life that had no impact whatsoever and-

“Are you alright?”

Virgil looked over at a man a few feet away from him. He stood tall, sporting glasses and a polo with the logo of the planetarium. Virgil didn’t couldn’t quite make out the name on the man’s name tag through his watery eyes. Oh shit, was he crying? No no no this couldn’t happen in public, he was a grown man crying in public-

“Oh, apologies, I didn’t mean to startle you. I just thought I should intervene.” The man looked at Virgil with concern, “May I sit?”

Virgil nodded, easing slightly as he did. He took a shaky breath and wiped away his tears, “I-I’m so-sor-ry. I could-n’t stay in there. S-sorry.”

“There’s no need to apologize, take as much time as you need to gather yourself.” He spoke calmly. His tone comforted Virgil enough to steady his breathing and collect his thoughts.

“I’m…I’m good. Sorry.” Virgil sighed, “Just had a shitty date.”

The man frowned, “I see. Was he your ride home?”

Virgil nodded, “Figured I’d just get a cab or something.”

“Don’t waste your money, my shift just ended. If you’re comfortable with it I’d be happy to offer you a way home.”

“No no I can’t, I mean- It’s fine it’s not like money’s the issue I just don’t wanna leave him here alone.”

“After he just left you?” 

Virgil looked towards the doors of the planetarium. He slumped his shoulders in resignation, “I guess you’re right.”

“I don’t mean to intrude on your personal affairs, but he is not worth your time if he does not respect your boundaries, and I don’t feel comfortable leaving you in a potentially unsafe environment. I would feel much more assured if I knew you returned home unharmed.”

“Fuck it, ok.” Virgil sighed. He looked over at the man and was able to see him a little more clearly. His name tag attached to a Dr. Who lanyard read Logan in bold font. He looked rather lanky and had bags under his eyes comparable to Virgil’s own.

“Would you like another minute to calm down or would you like to walk with me to my car now? I don’t mind waiting.”

“Uh, no, we can go now. Th-thank you, um, Logan.” Virgil offered a half smile.

“Of course, uh…”

“Virgil.”

“Virgil.” The man- Logan, stood up and motioned for the other to follow him.

Virgil stood and accompanied him to the car. It wasn’t the fanciest thing in the world, far from it. It looked like one of the windows had been punched out and was covered with cardboard and duct tape. It looked like an older car, and when they got in Logan had to start the engine a few times before it actually got running. 

“Please excuse the state of my car,” Logan said pulling his seatbelt on, “I’d fix the window on my own if I could but I’ve been too busy to do so. Here, do you mind putting your address in so I can get directions?”

Logan handed Virgil his phone, the other quickly inputting the info and handing it back. Virgil fastened his own seatbelt as they drove out of the parking lot.

“So, you work at the planetarium?”

“My shirt indicates so.”

“Right.” Virgil nodded, “What started that?”

“I needed a part-time job to work during nights while I attended college. I studied astronomy and a professor recommended applying for the position. The job just stuck after I graduated.” 

“That sounds pretty cool. You get to go to all those shows, right?”

“No, I get to sit in the ticket booth.” 

“Oh.” Virgil looked out the window as they drove, “I didn’t realize.”

“It's alright,” Logan said, shrugging, “I’ve seen them all anyway, when I had more free time.”

“You can’t take a day off?”

Logan’s lips pursed, “Not really. I work two other jobs.”

They both spent the rest of the ride in silence until the car approached the area where Virgil lived.

“You…live over here?” Logan questioned, looking around at the tall, well-kept buildings of the city.

“Um, yeah. I guess.” Virgil sheepishly rubbed the back of his neck, “I moved here a few months ago. Doesn’t feel like it though.”

Logan hummed in acknowledgement, still looking around at how different this place seemed compared to where he lived. He pulled up to a decorative building with too many stories to count from his view. He parked the car and turned to Virgil.

“Thank you for allowing me to take you home. I’m sorry you had a rough night but hopefully you’ll find someone else that will accommodate your needs appropriately.” Logan offered a smile.

Virgil returned it, before clumsily reaching to take off his seatbelt and pull out his wallet, “Uh, here.”

He offered a wad of cash to Logan, who in return pushed it back, “No, please don’t worry about covering gas. It isn’t far from my-”

“Take it. Get your window fixed too. And if you need anything else just, um, give me a call or something. Thanks again, Logan.” Virgil said, getting out of the car and shutting the door.

Logan watched him greet the doorman (his building had a doorman?) and head to his apartment, before staring down at the cash. It added up to about $350, plus Virgil's business card. He blinked and debated trying to go after him, but decided he wouldn’t be able to find him since he didn’t know which apartment was his. He pulled out his own wallet and stuffed the cash inside. The card Virgil had given him had his name and number, along with the name of a charity Logan heard the name of a few times from the news. This was too much to process, so Logan just put the card in with the cash and drove home. That was a problem for someone much more well rested.

~~~~~~~~~~

Virgil flopped down on his bed as soon as he got home. He pulled out his phone and immediately blocked his date’s number, writing him off as just another insensitive asshole trying to take advantage of him. He let his mind relax in the safety of his home and tried to just forget about tonight. Except Logan. He couldn’t get him out of his mind.

Working two jobs had Virgil on the verge of a panic attack almost every night, he couldn’t imagine working three like Logan had. And how long had he been driving that car? Wasn’t it dangerous to drive when your engine doesn’t turn over and you don’t have a window? Those bags under his eyes, was he not sleeping well? Was the money he gave him enough to cover everything? 

Virgil exhaled through his nose and flipped onto his back. These were morning problems. Or at least wake up at 3 am and worry about life problems. He glanced at his clock- 10:30. Definitely something to deal with tomorrow.

[drpierceandmrhyde]

Honestly, I don’t entirely blame Frank for not wanting to loan Margaret $240. I understand that Margaret wants to give her sister a good wedding gift, and she needs financial assistance since most of her own pay goes towards putting her mother in rehab or bailing her out. However, $240 in 1951 would be the equivalent of about $2,900 today. That is a lot of money to ask from someone.