#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]

.

[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]

.

[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…

[meazalykov]

not forgotten

barcelona femeni x reader

summary: you're back, but not for a good reason

warnings: angst, injury

barcelona was supposed to be your dream. 

when you signed for the club, it felt like your whole life had built up to that moment. everything seemed perfect at first. you were playing, scoring goals, and building your legacy. you signed the contract back in 2018, transferring from manchester city. 

you don’t know what went wrong during then.. because everything good changed in 2021.

the left knee injury came out of nowhere. one wrong turn, one awkward landing in that game against chelsea, and suddenly, your world crumbled. you had torn your left acl, and in a flash, the career you had worked so hard for was put on hold. 

the surgery, the rehab, the endless hours spent trying to get your body to cooperate..it was the hardest thing you’d ever done. even harder than the physical recovery was the emotional toll. when you were finally cleared to play again, barcelona didn’t seem to trust you anymore. 

you sat on the bench, game after game, the empty pit in your stomach growing deeper each time your name wasn’t called. at first, you told yourself it was temporary and that they were easing you back in. 

weeks turned to months, and you were still a benchwarmer.. the minutes never came. 

you tried to stay positive, to convince yourself that the coach had a plan, that your moment would come. as the team celebrated goals without you, as the crowd chanted other names, a dark voice in the back of your mind began to whisper: 

they don’t believe in you anymore.

it was like a knife to the heart. barcelona wasn’t just a club to you..it was a symbol of everything you had ever wanted since leaving your childhood club in manchester. to feel discarded, like you were no longer good enough to wear that blue jersey, was unbearable. you kept showing up to training, pushing yourself harder than anyone else, trying to prove that you deserved to be there. 

no matter how much effort you gave, it seemed like they had already made up their minds about you. 

you began to dread match days, not because you didn’t love the game, but because it hurt too much to sit on the bench, knowing you were capable of more but not being given the chance. you’d put on a brave face, cheering for your teammates and pretending like it didn’t bother you. inside, you were drowning. people started to question why you were still here if you weren’t given time.

at night, in the quiet darkness of your apartment bathroom, the facade would crack. you’d stare at the ceiling, wondering where it had all gone wrong. did they think you were fragile? did they think you’d never be the same? the worst part was, you started to believe it too. 

the doubt crept into your mind like poison, and no matter how hard you tried to fight it, it lingered. you began to question if you would ever get back to the player you once were..or if that version of you was gone forever. 

you felt invisible, forgotten… and for a player who had once been at the center of it all, that was the hardest thing to bear.

when the chicago red stars approached you with a loan offer, needing a striker due to the absence of mallory– an american star suffering her own injury, you didn’t hesitate. the chance to play in the nwsl for a full season felt like your lifeline. it wasn’t just about proving to barcelona that you still had what it took…it was about proving it to yourself. 

you needed to know that you could still be the player you once were.

chicago felt like a breath of fresh air. the league was different, more physical and honestly more competitive. by the fifth week of the nwsl season, you were a starter, and it felt like everything was finally clicking again. 

the goals came naturally, your touch on the ball felt sharp, and you ran without fear. it was as if the 2021 injury had never happened. for the first time in years, you felt like yourself.. you just needed to get out of spain. 

you started thinking that maybe, just maybe, the nwsl was where you belonged.

then, with only a few weeks left in the regular season before the playoffs, disaster struck again. it was a routine play against seattle, nothing unusual..until it wasn’t. one moment you were sprinting down the wing, the next you were on the ground, clutching your right knee. 

the pain was instant, sharp, and all too familiar. you knew before the medics even reached you what had happened. another torn acl, this time in your right leg.

tears blurred your vision as you were stretchered off the field. all the progress you’d made, all the confidence you’d rebuilt, gone in an instant. and to make it worse, your loan agreement was clear: any season-ending injury meant you had to return to barcelona before your loan is expired. 

the thought made your stomach turn. you hadn’t spoken to most of your home-club teammates since leaving on loan, and you were convinced they resented you for leaving. 

after all, it was widely known that you had requested the loan yourself and quickly took chicagos deal like it was a prize.

back in spain just a week later, the familiar sights of barcelona felt foreign to you. the medical building, where you’d spent countless hours during your first recovery, loomed like a prison. you did not want to be back so soon. you felt like an outsider, unwelcome in the place you once called home. 

when you walked inside, you kept your head down, hoping to get through the day without running into anyone.

however, you saw her..alexia. your old captain, the person who had once been your biggest supporter. she was standing near the reception desk, and when she saw you, her face lit up. you froze, unsure of what to do. 

you expected anger or at least indifference, but instead, she smiled and walked over to you.

“y/n,” she said, her tone warm. 

“it’s so good to see you.”

you blinked, caught off guard. 

“you don’t have to say that,” you mumbled. “i know everyone’s probably mad at me for leaving.”

alexia frowned, shaking her head. 

“why would we be mad? we’ve missed you.”

you stared at her, struggling to believe her words. 

“missed me? alexia, i left. i asked to leave. how could anyone miss me after that?”

“y/n,” she said softly, placing a hand on your shoulder. 

“you’re part of this team. we knew your circumstances.. we’ve all been following your games in chicago, rooting for you.. especially aitana. no one’s mad at you. if anything, we just hated seeing you feel like you couldn’t come to us.”

ale’s words hit you harder than you expected. you had spent so long convincing yourself that you were unwanted here that you hadn’t even considered the possibility that it wasn’t true. 

over the next few months, as you navigated surgery and the early stages of rehab, your teammates began to show up for you in small but meaningful ways. mapi sent you care packages filled with your favorite snacks that helped her with some of her own injuries. ingrid invited you over to watch movies, saying it was good for your mental health. even patri, who you always thought was a bit intimidating, dropped by unannounced with chinese takeout and a pep talk that made you laugh despite yourself.

suddenly.. the invitation to a team bar night. you were surprised to even be invited, and when you hesitated, aitana rolled her eyes and said, “you’re part of the team, so of course you’re invited. we care about you so stop overthinking it.”

you had fun with your teammates that night. they teased you about your time in chicago, praised your performances, and implied that you were missed while gone. 

it was the first time in a long time that you truly believed it.

a year later, as you finished your rehab and returned to full training, barcelona was a different place. jona had been replaced by a new coach, one who seemed genuinely interested in your potential. one afternoon, he called you into his office for a meeting.

“y/n,” he began, leaning back in his chair. “i’ve been watching your progress, and i’m impressed. with mariona gone, we need a striker with your skill set. i know things haven’t been easy for you here in the past, but i want you to know that if you stay, i can promise you’ll get the playing time you deserve.”

you hesitated. your contract was up next summer, and part of you still wanted to leave, to find a new start somewhere else. there was something in his tone that made you consider his words carefully.

“i’ll stay,” you said finally. “but only until my contract ends. if things don’t change, i’m leaving as a free agent.”

“fair enough,” he replied with a nod. 

“but i have a feeling you won’t want to leave.”

he was right. the next season was nothing short of a dream. you became a starter again, and your performances were better than ever. 

by the end of the season, and with the champions league win thanks to a brace from you, you had the highest goal count across europe’s top five leagues. the fans chanted your name, and your teammates reminded you often that you only belong here. 

chicago had been the fresh reset you needed, but barcelona was where you belonged. 

this time, you were ready to claim your place for good.

masterlist

[ivonhart]

if you’ll have me | nam-gyu x fem!reader

— one shot

masterlist

requested by: anonymous

cross posted in ao3

gif credit: @cressidium

summary: You and Nam-gyu both joined for the same reason...to help each other. The rehab debts forcing both your hands, resulting in the two of you to call the number given by a mysterious man. The twisted games of life and death solidifying the bond you already shared in an unbreakable way.

a/n: Haven't written in a while...kinda nervous :0 NAMGYU FLUFFFFFF *we all cheered* I wrote him different from what we see in the show because of the fact he's in recovery so he wouldn't be all other Thanos like we saw in the show - think I deviated off from the og ask SORRY

You should’ve listened to your gut when the mysterious man with a briefcase showed up beside you on a subway bench. You should’ve listened to your gut when he handed you the small brown card accompanied by a wad of cash. You should’ve listened to your gut when it told you it was too good to be true…it had to have been. So why didn’t you listen to your gut?

The empty apartment and a stack of threatening letters was why you chose to ignore your gut and call the number. You needed the money…for him. But now, as your unsteady legs trudged you back towards the large room you suddenly woke up in you realized you should’ve listened to your gut.

Your arms wrapped around yourself as your fingers clung to the green jacket that covered your shaking shoulders. Ears still ringing slightly from the mass amounts of gunshots that echoed throughout the field you played your first twisted game in. You never heard a gunshot before…you didn’t think it would be so loud.

You could feel sobs begin to weigh down your chest at the knowledge you’ll most likely die here. The images of the falling, bloody bodies making your mind run wild - making you imagine yourself as one of the fallen. What would he think? Would he think you finally got sick of his struggles and left him?

Your body was running on autopilot as you walked towards the bed you were put in, paying no mind to the voice that shouted your name until you felt a familiar pair of hands grasp your shoulders. “What are you doing here?!” That voice snapped you from your haze, causing your head to whip towards the source, only to find the eyes of the very person you thought of.

A cry left your mouth as you launched into his arms. “NAM-GYU!” One of his hands immediately cupped the back of your head while the other wrapped around your waist. Your arms circled around his neck with your fingers balling his jacket up. Both of your bodies relaxed in the arms of one another.

The horrors of the games you found yourselves in faded away…if only for a moment. Those around you blurred into the background as the two of you embraced. Your tears dampened his jacket and when he pulled away the hand that once cupped the back of your head found its place on your cheek, slowly wiping the tears away before pulling you into a nearby corner to talk.

As he did, you spoke. “Gyu, what are you doing here?” Your question came out sharp but he knew it was only because you were scared. “I could ask you the same question.” He responded back with a half-hearted smile…trying to ease some of the fear you felt. His hands found yours and rubbed his thumbs along your knuckles as you sighed.

“T-The loan shark came by our apartment a few days ago…” Your voice trailed off as your head hung low. “My job cut my hours and I haven’t been able to pay them back.” Tears stung the back of your eyes as shame washed over you. “Did they do anything to you?”

The question tore out of Nam-gyu’s mouth with an edge of worry and anger. Your head shot back up so that your wide eyes could meet his. With frantic shakes of your head you responded. “No no. J-Just a bit of verbal threatening–but that’s besides the point…” You were quick to change the conversation topic towards him.

“What are you doing here?! You’re supposed to be in rehab.”  That’s when Nam-gyu told you that the rehab center kicked him out for missing too many payments and another wave of shame hit you. After multiple times in rehab you had been worn thin with his addiction and struggled because of it.

So, one day, when he was sober, you gave him the ultimatum; either get better or you would leave. But now…you couldn’t help but feel like this was all your fault. “Babe…don’t do that.” He cupped your cheek and looked into your guilt-filled eyes. He knew you. He knew that you were blaming yourself. “Don’t blame yourself.”

“D-Did you–Where did you stay?” He knew what you were starting to ask. It had been a long and hard journey and he realized some time ago that he had taken advantage of your good heart. So, when you put your foot down and gave him an ultimatum he knew he had to get clean. He couldn’t lose you. “I didn’t relapse.”

He saw the way the tension released from your shoulders as he ran his hands up and down your arms. “Why didn’t you come home?” Nam-gyu let out a small sigh and stepped closer so that he could rest his head against yours. Your eyes closing at the contact.

“I don’t know. Maybe because I was ashamed? I kept fucking up and needed to go back so many times.” You felt his sigh caress your face, but before you could defend him another voice broke through your little corner. “Nam-suuuuuu, who's this pretty lady?” You looked towards the sound to see the face of the rapper your boyfriend loved to listen to.

His purple hair popped against the otherwise stagnant white room. “Thanos?” His rapper name came out instinctively which caused a wide smile to spread across his face. “The one and only, Señorita.” When he got closer you stepped slightly behind Nam-gyu and sought out his hand - which he took immediately. You always had trouble with attention. Never really knowing what to do if it was turned towards you.

Thanos eyed your intertwined hands and smiled even wider. “Aw shhhiii…this your girl?” He asked Nam-gyu, causing the man to nod. A laugh left Thanos. “Alright! Another member of Thanos World!” As he spoke you took note of how dilated his pupils were. A sight so familiar that you knew right away what state the man was in.

Perhaps he was high when they took him or maybe, somehow, he managed to take something during the first game. You felt a ping of pity shoot through your heart knowing he was probably high to deal with the situation you all found yourselves in. He spun on his heel with a giggle and moved back towards his bed, not before turning back and waving the two of you to follow. “Come on gang!”

-

You were stuck here for one more game…just one - that’s what you and Nam-gyu promised each other. The blue O that clung to your shirt told everyone you were willing to put your life on the line for the chance of more money. It was a heavy weight to carry, but you could pay off the debts with the money you and Nam-gyu would get put together. “We have to stay.”

You told the love of your life after Player 456 spoke up for a vote. “We’re gonna die either way. Out there…by the loan sharks. Or in here…with a chance of getting the money.” Nam-gyu wasn’t happy when you said that. The thought of you dying made him sick to his stomach but he knew you were right.

You were always the smarter one in the relationship. “One more game?” He had asked. “One more.” You promised. The second game was a Six-Legged Pentathlon - with you and Nam-gyu refusing to separate all you needed was three more players…and your third body came bouncing over with a wide smile. “My gang!”

Thanos exclaimed as he threw his arms around the shoulders of both you and Nam-gyu. Despite his outlandish nature you could tell he had a good heart. In a way he reminded you of your Nam-gyu. A nice boy haunted by his past…struggling with addiction. “Are we ready to do this or what?” His positivity was almost infectious, causing you to slowly nod while glancing towards Nam-gyu.

That snowballed events leading to you, Nam-gyu, Thanos, a young woman named Se-mi and a young man named Min-shu - who Thanos took to immediately - sitting on the dirt floor waiting for your team's turn. Nam-gyu kept his hand on your thigh while he looked around to watch for when the guard’s would close in to “eliminate” the losers.

He always covered your ears when the gunshots would ring out. From the corner of your eye you could see Thanos’s hands shaking. With each gunshot the shaking grew more and more intense and slowly you grabbed hold of his hand before it could reach for his necklace. A sharp inhale breaking the tense bubble that surrounded him.

“If you need to take something…take it.” You began to say towards the purple-haired rapper. “But…just know you're not alone. Not anymore.” His wide eyes looked up at you and all you did was send him a sad smile before turning your attention back on Nam-gyu. You knew your words wouldn’t cure his cravings, but you needed him to know that he was with a group now. People that he could rely on.

The hold on Thanos’s hand never letting up as you laid your head against your boyfriend’s shoulder. The comfort eased Thanos’s racing heart just a bit, but his free hand was quick to open the cross once more. “Whatcha thinking about?” You quietly asked your boyfriend. He had been strangely quiet the whole time - not knowing that the man was thinking about his life with you. He couldn’t imagine a world without you in it and he couldn’t die without telling you.

A few seconds passed before you felt his shoulders rise as he puffed his chest out. “We are gonna win this because I’m not going to die without making you my wife. If you’ll have me.” His words came out with a purpose. He wasn’t saying such things to say it…he meant every word. 

Heat bloomed across your cheeks as you looked at him with wide eyes. Then, tears stung your eyes as you let go of Thanos’s hand to cup Nam-gyu’s cheek, turning his eyes towards yours. The look that his eyes held made your chest ache with a sickening sense of purpose.

You and him were tied together…your souls tethered through space and time so that even if you died here today you would find one another in the next life. And all the others after that. “You had me from the moment we met.” You whispered with a wide smile.

-

When your team passed the finish line a sheer joyous cheer ripped through your throat and those around you. With just five seconds to spare you passed the finish line. Nam-gyu was quick to engulf you in a kiss that left you breathless.

He always kisses as if you gave him the air that filled his lungs…and to him you did. When he pulled away you saw his smile. It was as bright as the sun and radiated the same amount of warmth. “You were fucking amazing.”

He panted against your mouth as a guard unlocked the cuffs that bound your legs together. When you felt your legs get freed you jumped into his arms and wrapped your legs around his waist.Your arms locking around his neck in practiced ease from doing so many times before. The rest of your team was seemingly abandoned as he walked with you back towards the dormitory. “You still gonna marry me?” You questioned with a smile.

A string of giggles passed your lips as Nam-gyu nipped at your throat with a smile. “I’d marry you right here if I could.” Your giggles carried into the sleeping area as he carried you back to the bunks you slept in. You and Nam-gyu shared a bed whilst Thanos slept in one of the neighboring bunks. “My friends, that was awesome!”

The words from Thanos were in a language you didn’t understand, but from his wide smile you assumed it was a celebration. You and Nam-gyu plopped down on your bunk as Thanos scurried over with a laugh. Se-mi and Min-su not far behind him. The unspoken bond that formed between the team carried over from the win, causing them to settle in close by.

You silently watched as Thanos exclaimed over everyone’s performance with a soft smile. Your back pulled into Nam-gyu’s chest as his hands rubbed your arms. You could only hope that the money made from this round would be enough to pay off your debts.

When the time came for the money amount to be announced, everyone hurried towards the center of the room. And then the amount showed up…and you stared up at the total money amount with wide eyes. It was enough. It was more than enough.

When you and Nam-gyu put the money together there was plenty to pay off the debts and have so much left over. “My love…” You began to whisper. Slowly, you looked at the man with a laugh. “I know.” He responded. The voting went by in a blur and when Player 001 cast his vote the X side erupted in hoots and hollers of joy.

You won. You won. Your scream of happiness joined the others as you jumped into Nam-gyu’s arms. Tears fell from your eyes as you kissed him with all the love you could muster. “I’m gonna marry the FUCK out of you the moment we get out.”

-

tag list: @vip-luc

[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.

[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.

[artemisrogers]

Don't Forget Me Roberto Trujillo x Reader

Part 1 fw: mention of self harm, suicide attempt, substance use and trauma

So this is how I was gonna go out?

I already took a whole bottle of pain pills and got my knife set up to slice my wrists open. I was bleeding already from cuts on my shoulders and legs. I hated that I was nothing but a toy to people and couldn't put up with, my pimp Jade sexually abusing me anymore.

I was about to slice my left wrist in its vein when the door opened. I heard a muffled voice as the knife was knocked out of my hand. I was already feeling sick from the pills closing my eyes. I was going to be at peace at last. No more suffering.

😔😔😔

My eyes opened and my body felt heavy like a lead ball. This must be what hell feels like. Although it kinda looks like a hospital room. Wait a damn minute. I squeezed my eyes and opened them again to see I'm alive somehow and in a hospital. I was bandaged up and had an IV in my right arm.

"Your awake thank God. What the hell were you thinking?!"

I knew that voice very well. I turned my head seeing a familiar face and felt anger and guilt. I've known this man since we were in diapers. I didn't tell him about my addiction to alcohol and cocaine. I could tell he was pissed at my attempt at suicide but grateful I'm alive.

"Roberto?"

"Yes it's me, what happened?"

"I gotta come clean don't I?"

"Come clean'? What are you talking about?"

And that's when the doctor came in and spilled the beans. I watched Rob's face go from shock to hurt to betrayal in minutes. I felt ashamed and embarrassed that he found out this way but I was afraid of telling him. I mean yeah he knew about Jade and saved my ass from him a longtime ago. When the doctor left Roberto looked at me.

"Some beans eh?"

"Please I was gonna tell you sooner but I-"

"Save it this hurts me Y/N! I loaned you money, I gave you a place to stay, I saved you from Jade!" Roberto said anger was clear in his voice.

It was extremely rare that he got angry let alone with me. I watched him walk out the door and leave me with my thoughts. I made him so mad at me that he abandoned me. Fuck I needed help. I sat up slowly feeling the pain in my chest, and grabbed my phone to call someone.

"Come on James pick up! Please!"

"Hello?"

"Oh thank God you picked up um I need help." I said my voice cracking.

James has been clean of his addiction for a while now, so if anyone could give me advice it was him. I mean it's 2004 for fucks sake and I'm in a hospital bed pitying myself. I told James everything from my addictions to my issue with Rob, even my attempt. There was a long pause and I knew he was trying to process this.

"Kid I-I don't even know what to say."

"I know I know. I fucked up bad but I need advice or even help."

"Well my best bet for you is to go to rehab and, like seriously get yourself clean of all this shit. It ain't worth it to lose everything for drugs. I know from experience I mean I almost fucked up Metallica and my family with my addiction. And maybe after that, I can let you stay with me but you gotta get clean and stay clean if I let you in." James said.

I knew he felt bad but he was definitely right. I had to get my life together again. Especially if I want to earn Rob's trust back. I love Rob as a friend and I didn't want to be alone anymore. I felt like I was back with Jade again.

"I can feel your fear kid, I know it's scary and it ain't easy but you know you want to get better."

"I feel alone though James. I...I literally fucked up my friendship with Rob or any chance of being something more with him."

"I know I understand. Since when did you like Rob? I'm just curious I ain't judging."

"Two years."

I heard James whistle and felt myself smile at his attempt to make me laugh. He always knew how to make me happy even in the hardest times. I hung up the phone and sighed softly everything running in my head.

[threesmallcrows]

MattMelloWeek Day 3: First Date / New Beginnings

The night before Matt left rehab, Mello drove over to his house and cleaned it.

Matt’s rehab facility was well-known, expensive, acclaimed and highly decorated. Who knew that they gave out awards to rehabilitation clinics, but they did, and it had won them. Best of Los Angeles, 2006 - 2011. More to the point, the facility had worked for Mello. Therefore, Matt should be no big issue.

“You think I have fewer problems than you,” Matt accused, the night before he left.

“I don’t think that.”

“You do.”

He tapped his cigarette off into Mello’s car’s cupholder. “You think I have less problems and they’re smaller and, like, easier to deal with.”

Mello resisted the urge to claw into the cupholder and throw the ashes out the window. “No one is saying your life is easy. Ash outside.”

Matt stabbed the window-down switch. “Basically, everything is my own fucking fault,” he complained, over a hot stream of traffic, but he was running out of steam. Mello had never once claimed that Matt’s addiction was his fault; how could he, when Mello too had been an addict? Who’d once undergone surgery to fix his cocaine-perforated septum?

“Can they fix your snoring too?” Matt had joked at the time.

Mello helped pack the last few pairs of underwear into the suitcase, since Matt had by then wilted totally, and was slumped silently by the headboard, arms slack around a pillow.

That had made Mello a little angry. His posture of enduring being sent away. As if the rehabilitation was a punishment Mello was visiting on him, and not a medical decision he had consented to as an adult. If you didn’t want to sign the forms, you shouldn’t have signed them.

But he had written: Matthew Jeevas, Matthew Jeevas. He departed for 100 days of inpatient treatment. Tomorrow, he was coming home. It should be a nice home, Mello thought, unlocking the front door. He deserved that.

The washing machine was broken and the drying machine was broken and the microwave was missing its plate.

He found the plate on the nightstand, where Matt had been using it to crush his powders.

Mello brought the plate to the kitchen and rinsed it, and replaced it atop the turntable ring. He pulled on gloves and disassembled the towers in the sink. He killed the mold at the sink’s bottom. He killed marching lines of ants with long brushstrokes of bug spray, harvested their corpses with swipes of paper towel. Only with the house less rife did he begin to pick items off the floor, which felt at first like picking leaves from a forest: futile and neverending.

Whey packets, self-help novels, empties and loosies.

Frustrated, arms beading sweat inside their rubber casing, Mello began to do what he swore he wouldn’t, which was to toss things of Matt’s which were clearly beyond redemption. If Matt wanted a new sachet of whey, Mello would be happy to buy him one which wasn’t 2 years expired. If he wanted a self-help book Mello would loan him a library card.

He didn’t own a library card, but how hard could it be to get one? Children had them. It would be easy.

The drugs went in the toilet, obviously; Mello didn’t worry over those.

The holey boxers and broken-necked cables and $1 buy-one-get-one red-stickered DVDs—he’d stopped worrying about, also.

Quarter-full shampoo bottles. Stained restaurant clamshells.

It was 08:30 by the time he finished hoovering (with a vacuum he hauled over from his own flat, since Matt’s was, of course, broken), and then there was no time for sleep, because in half an hour he had to leave to pick him up.

Matt had sold all his working appliances to afford his dealer’s prices.

Mello showered quickly in the stall he’d just cleaned and felt vaguely dissatisfied.

You’re just sleep-deprived, he told himself. Strong front.

And then there was Matt, looking neither well nor unwell in the passenger seat.

“Hi.”

“Yeah, hey.”

“You look—better.”

“I guess I’m supposed to be.”

Emitting a very muted energy, as Mello negotiated the fast lanes of the freeway.

“Wow,” he said, monotonously, as he stepped through the door.

“Did some cleaning.”

“I see that. You threw all my stuff away.”

A headache process booted up in Mello’s upper-right temple. “I didn’t ‘throw away all your stuff’. I kept everything you’d want,” he said, showing Matt the possessions he’d neatly binned for him, organized and stacked against the bedroom wall.

“Because you know completely what I do and don’t find valuable.”

“I’m sorry, you’re right, I should have kept all the moldy takeout so you could finish eating the mold out the bottom. I should have kept your socks with fifty holes in them.”

“What if my mom knitted me those socks?”

“Your mom never knitted you any socks, she was a fucking heroin fiend,” snapped Mello.

Matt’s eyes bugged slightly, where he was crouched over a bin, which is how Mello knew he’d taken him off guard. With his meanness and undeserved cruelty.

You went there, dude. You went to “dead mom”.

Stop it, enough. Apologize. Mello didn’t, because he felt that actually Matt owed him an apology. For spending 13 hours cleaning his house, and receiving not a syllable of gratitude.

Fuck. How was it all going so wrong already?

Mello caved first and retreated. He went outside to the tiny landing over the stairs, to look out over the overgrown backyard. He hadn’t tried to do anything about the yard, because it didn’t make Matt sad the way the inside of the house did. Its messiness was okay. Milkweed and cactus, weeds in tire planters.

A leak of steam from down the wall announced that Matt was in the shower.

He emerged onto the patio bare-chested, with a towel around his shoulders.

When he saw Mello was smoking, he held his hand out and said, “Don’t leave me hangin’.”

Matt sucked down the cigarette like a soda on a hot day. “They tried to get me to quit this too,” he added, sliding Mello’s carton over and extracting a new stick. “I was like, come on. You gotta give me something.”

“Like, if you only feed me broccoli, I’m gonna bust out of Alcatraz,” he joked.

“What did they feed you?”

“We had, uh, turkey tetrazzini. ‘Sloppy Joes’.”

Matt squeezed around the grimed lawn chair in the corner, which brought him into Mello’s orbit. He edged behind him to put his forehead on his back.

“It looks like when I moved in,” he said, resting his elbows on Mello’s waist. “The house. It kind of freaked me out. I mean, it’s nice, but. I guess I feel like you have these, like, high expectations of me, and I’m afraid I won’t meet them.”

“I don’t have expectations of you.”

“Wow, thank you.”

Mello revised: “My expectation of you is you come with me to Tito’s and you pay for my quesabirria.”

“Done. As long as I don’t have to eat a vegetable.”

“You’ll have to eat a vegetable, eventually.”

“Okay, fine. Tomorrow."

[thebuyeragency]

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[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?