#Short Term Mortgage

[usbridgeloans]

Taking the Pain out of High Net Worth mortgages for U.S. Real Estate, without AUM requirements

With inexpensive funding and various tax advantages, everyone should take advantage of the benefits of a mortgage when investing in U.S. real estate regardless of the loan size. However, why do the wealthy often find it increasingly difficult to obtain mortgage financing without AUM?

With a portfolio of assets worth millions of dollars, one may assume that securing credit would be a straightforward task for a high net worth (HNW) individual. Unfortunately, the reality can be quite different especially if you’re a foreign national or U.S. Expat.

The unique nature of a HNW’s wealth – their income, investments, and liquidity – puts this group of people at a surprisingly high risk of being turned away by conventional banks unless they are willing to deposit a significant amount of funds for the bank to manage. This is certainly true in the mortgage market, and what’s more, it is an issue that has become more prevalent post-Covid.

American Mortgages has a dedicated HNW Team that focuses on mortgage solutions for foreign nationals and U.S. expatriate clients.

“As a company, our focus is finding solutions that go beyond what Private Banks can offer was the cornerstone of why this has been so successful. Our goal is to be a viable solutions provider and a trusted partner for the private banks and their clients. None of our loans require AUM, hence there are no funds taken away from their current investments or portfolio.” – Robert Chadwick, co-founder of Global Mortgage Group and America Mortgages.

America Mortgages HNW mortgage loans have a multitude of options when it comes to qualifying for a large mortgage loans regardless of the passport you hold.

Asset Depletion – a surprisingly simple way to establish your income. AM Liquid Portfolio uses a unique view on “asset depletion” to qualify HNW clients using their investment portfolio without an encumbrance or pledge of assets. Essentially, all of your assets are entered into a calculation, and a final number is churned out. The final number is then used as the income to qualify. In most cases, as long as the income is sufficient, no other person’s income documentation is required. This makes an often complicated and tedious process simple, transparent, and painless.

Debt Service Coverage – When it comes to HNW borrowers, one of the most overlooked and misunderstood loan programs is debt service coverage. HNW borrowers tend to own multiple properties in various asset classes. If the property is used as a rental, then there may not be any requirement to go through the tedious process of providing and verifying personal income. Again, as HNW borrowers tend to have very complicated tax returns, this is a straightforward way to show the borrower’s debt serviceability.

Debt service coverage ratio– or DSCR – is a metric that measures the borrower’s ability to service or repay the annual debt service compared to the amount of net operating income (NOI) the property generates. DSCR indicates whether a property is generating enough income to pay the mortgage. For real estate investors, lenders use the debt service coverage ratio as a measurement to determine the maximum loan amount.

Bridge/Asset Based Lending – With Covid still in play, it’s not uncommon for investors to experience a temporary liquidity event. Rather than selling their property, they are using their real estate to release equity. Asset-based lending is an option for both residential (non-owner-occupied) and commercial properties.

Simply stated, HNW bridge loans are used for residential and commercial investment property when more traditional institutional financing sources may not be available. Due to temporary liquidity, many borrowers have capital needs that traditional sources often can’t meet. For example, a borrower purchases property out of bankruptcy or foreclosure and needs to close quickly “same as cash” before long term financing can be arrange.

Simplified Income – HNW borrowers often have personal and business tax returns, which are complicated. The complexity of these returns often turns into an administrative nightmare for the borrower when dealing with a mortgage lender. What makes America Mortgages unique is the fact that 100% of our clients are living and working outside of the U.S. We are dealing with HNW clients from Shanghai to Sydney. Simply put, translations and understanding tax codes, deductions, net income, etc., is painful.

America Mortgages HNW Simplified Income documentation is just that. We do not require years or, in some cases, decades of tax returns, P&L, A&L, bank statements, etc. We take an often complicated process and simplify it; 1. If you’re self-employed, we will request a letter from your accountant stating the last two years’ income and current YTD. 2. If you’re employed, then a letter from your employer on company letterhead stating your last two years’ income and current YTD is sufficient. Yes, it’s that simple and painless.

As 100% of our clients are either Foreign Nationals or U.S. Expats, we understand the intricacies and complexities of this type of lending for our borrowers. It’s as simple as that. Our HNW loan programs are structured to meet our client’s requirements. Providing competitive pricing with the assurance that your loan will close is our only focus, and no one does it better.

For more information, Visit: https://usbridgeloans.com/taking-the-pain-out-of-high-net-worth-mortgages-for-u-s-real-estate-without-aum-requirements/

[miniatureliterature]

The universe can stop now. It can stop. I’ve had enough now, it can chill out. I’m good. It can stop.

[dravidssideblog]

Yet another idea for a setting that facilitates unwilling play: Role swaps. There's two groups, like angels and demons, or humans and plushies, whatever. And they very much enjoy ownership and dominance and all that fun, human-rights-violating stuff. So for example, the plushies are bigger and stronger than the humans and they love to own humans and play with them and the humans have no freedom or agency and it's super unethical and sucks for them, all the stuff that makes me sad, BUT!

Then New Year's Day rolls around. The plushies shrink in size, and now the humans are the big strong ones. So THEY get a turn owning and dominating and playing in whatever unfair way they want. Until next year, when it's plushie-time again.

This hits a lot of notes that I like, namely a long-term or even (kinda) permanent ownership situation, and can be almost fully unwilling. I've always kinda liked the idea of a setting where one species owns another, but it always feels so cruel and unfair to the owned species. This makes it all feel very fair by flipping the script; you WILL be nonconsensually owned, but not only will you have freedom, you'll get a turn being on top!

It's not even about the "getting to be the dom" part, it's just about the fairness; when everyone, including the owners, has to deal with being owned, it's not cruel or unfair, it's just part of life. And getting a turn on top is less about owning and more about freedom; the ownership situation is kinda permanent, yet you still get to live your life. It's the best of both worlds, permanent unwilling ownership yet without robbing the victim of their life.

[roki58750]

[singaporebridging]

How to use your home equity to access immediate cash flow for investments

Get immediate cash flow for investments through home equity!

As the clear leader in high-value bridging loans in Singapore, with numerous awards in recent years, we understand the benefits of bridging loans and how they can help local Singaporeans with their cash flow.

What is a bridging loan?

A bridging loan is an asset-based, short-term loan designed to “bridge” the gap between immediate financial needs and longer-term funding options. Singapore bridging loans have gained popularity as a quick and flexible solution for urgent financial requirements. 

Whether you are a property buyer, seeking real estate investments, or a business owner in need of quick capital, Bridging Loans offer easy and rapid access to funds. They are also referred to as bridge financing, swing loans, and caveat loans.

How do bridging loans work?

Bridging loans serve as a temporary financial solution, typically requiring repayment within a few months to a couple of years. These short-term loans are secured against valuable assets, such as real estate or other properties. Bridging loans offer a quick and versatile option for various needs.

In this case, we focus on using Singapore real estate as the asset to collateralize and access funding.

Bridging loan case study:

Singapore businessman is offered an opportunity to purchase a hotel for $5M, a significant discount from the book value of $10M, but needs funding within 30 days!

The client contacted GMG to explore how to use their landed property as a liquidity tool to access cash flow.

Step 1. Assess the value of your Singapore real estate through an appraisal. For example, the property value in this case is $10M.

Step 2. Arrange a private loan for 70% of the appraised value. In this case, $10M x 70% = $7M loan amount.

Step 3. Any existing mortgage must be paid off first. For instance, say there is an existing mortgage with UOB for $2M: $7M loan amount – $2M existing mortgage = $5M net loan amount.

Step 4. The client uses $5M to acquire the distressed hotel, immediately doubling its value to $10M: a 100% net asset value for the client!

How can you use a bridging loan?

Property purchases: Bridging loans are commonly used in real estate transactions to secure dream homes while awaiting the sale of existing property, ensuring a seamless transition.

Property development: Property developers use bridging loans to fund construction or renovation projects, enabling them to start promptly and capitalise on favourable market conditions

Business expansions: Temporary Bridging Loans bridge cash flow gaps during business expansions and enable seizing growth opportunities

Auction financing: Bridging loans can provide the solution for immediate funding that are required for auction purchases

Opportunistic investments: Savvy investors use short-term bridging finance to take advantage of time-sensitive investment opportunities.

Why bridging loans?

Not only do bridging loans have a variety of potential uses, but they also offer unique benefits:

Immediate access to finds

Online application form

Flexible repayment options (including interest)

Increased liquidity

Minimal required documents

Smooth property transitions

Free loan assessment

How can GMG help?

GMG offers exclusive opportunities with bespoke bridging funds:

High loan-to-value (LTV) – funding of up to 75%, tailored to customers’ individual needs, which traditional banks tend to not consider

Ease of qualification – focus on qualification based on property value rather than personal financials (e.g., age, income, and Total Debt Servicing Ratio (TDSR)) unlike with a bank bridging loan

Speedy approval process – bridging loans are approved within 24 hours and funded in as quickly as 3 days.

GMG provides bridging funds not only within Singapore but also offers similar financing solutions in the United States, United Kingdom, France, Canada, Australia, Thailand, Philippines, and Hong Kong.

[tabithahobson]

Do You Need a Quick Loan?

Borrow any day, anytime!

Apply for a loan of $50,000 up to $1,000,000

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At Global CU the success of our customers comes first,

We makes it easy to borrow money to fund your dream.

If you live in the United States and Canada or even in the United Kingdom, then you’re eligible to apply.

Inbox me to get started on your journey to success!

#Loan #businessloan #loanservices #loanofficer #finance #mortgage #autoloan

[gallusrostromegalus]

Basically. I got screwed.

I am very sorry for how relatively quiet this blog has been but I've been dealing with a very unpleasant situation the last few months, and now I need help.

Essentially, I tried to help someone out, and she took advantage of me, and I have no way to recoup my losses.

Earlier this year, I moved into a new house. Before we sold the old house, a Now-Former friend ran into some trouble and was about to become homeless with pets and a small child. Not wanting them to be on the street, we offered to hold off selling the old house so she could stay there for a little while, if she could pay the cost of the mortgage on that house (because I could afford one mortgage but not two) while we helped her find somewhere more permanent.

I was not making money from this- since I was still paying the utilities and property taxes, I was actually losing money, but willing to soak that in order to help her save up and get her on her feet.

Instead, she:

Never Paid a Dime towards covering the mortgage costs like she agreed ($12,000 for the nine months she was there)

Trashed the house ($500 dump fees for the trash alone)

Let her pets piss and shit all over the house ($1,500 bio hazard cleanup, $4000 to replace the carpet and other damaged flooring)

Caused an electrical issue in the garage ($900 to repair)

Broke the washer, dryer and refrigerator ($2500 to replace)

Broke the fence ($1000 to repair)

When I told her I could no longer financially support her and that I needed to sell the old house, she illegally squatted there for a solid three months and I had to hire a lawyer and actually take her to court to get her to leave ($2,500)

The resulting stress has been, as you can imagine, stressful.

So stressful, in fact, that it aggravated a the medical conditions my husband had and made him extremely sick. He had to go to the hospital and take time off work to recover. Now the health insurance is trying to weasel out of paying his short-term disability claim.

So net, this woman has managed to cost me around $25,000 and that's not taking into account the missed paychecks and medical expenses. I do not have $25,000, and until at least $13,000 of that is spent to repair the damage she did, I legally cannot sell the house to even begin to recoup my losses.

Theoretically, I could sue this woman, but she doesn't have any money and it would be me paying even more money I don't have to get... Nothing. So I'm asking for help to cover the costs of getting the old house ready to sell, my husband's medical expenses, and other expenses incurred by this debacle:

If you can help out in any way-share, donate spare change, anything- I'd be extremely grateful.

Thank you.

[bestandfree]

Dscr loan florida

Dscr Loan Florida DSCR loan in Florida can help you get the money you need to pay off your debt and start fresh. The program offers low interest rates, flexible repayment options and an easy process. 1. DSCR Loan Florida: What is it? DSCR Loan Florida is a new type of loan that was created in order to help people who are in need of financial assistance. This loan is designed specifically for…

[teh-tj]

Greenbelt Maryland. Or, how America almost solved housing only to abandon it.

**I AM NOT AN EXPERT! I AM JUST AN ENTHUSIST! DO NOT TREAT MY OPINIONS/SPECULATION AS EDUCATION!**

During the Depression America faced a housing crisis that rhymes with but differs from our own. It’s different in that there wasn’t a supply issue, there were loads of houses in very desirable areas, but they were still unaffordable as people’s incomes collapsed causing a deflationary spiral. While the housing supply subtly grew and succeeded demand, people simply couldn’t pay the meager rents and mortgages. Herbert Hoover failed to manage the Depression, while his inaction is greatly exaggerated, his policy of boosting the economy with works projects and protecting banks from runs failed and the depression only got more pronounced in his term. In comes Franklin Roosevelt, a progressive liberal much like his distant and popular cousin/uncle-in-law Teddy. Franklin’s plan was to create a large safety net for people to be able to be economically viable even if they’re otherwise poor. These reforms are called the New Deal and they did many controversial things like giving disabled and retired people welfare, giving farmers conditioned subsidies to manipulate the price of food, a works program to build/rebuild vital infrastructure, etc. One of these programs was the USHA (a predecessor of America’s HUD), an agency created to build and maintain public housing projects with the goal of creating neighborhoods with artificially affordable rents so people who work low-wage jobs or rely on welfare can be housed.

In this spirit, the agency started experimenting with new and hopefully efficient housing blueprints and layouts. If you ever see very large apartment towers or antiquated brick low-rise townhouses in America, they might be these. The USHA bought land in many large and medium-sized cities to build “house-in-park” style apartments, which is what they sound like. Putting apartment buildings inside green spaces so residents can be surrounded by greenery and ideally peacefully coexist. Three entire towns were built with these ideas outside three medium-sized cities that were hit hard by the depression; Greenbelt outside DC, Greenhills outside Cincinnati, and Greendale outside Milwaukee. The idea was to move people out of these crowded cities into these more sustainable and idyllic towns. There were many catches though, the USHA planned for these towns to be all-white, they used to inspect the houses for cleanliness, they required residents to be employed or on Social Security (which basically meant retired or disabled), they also had an income limit and if your income exceeded that limit you were given a two-month eviction notice, and you were expected to attend town meetings at least monthly. While the towns didn’t have religious requirements they did only build protestant churches. Which is an example of discrimination by omission. While a Catholic, Jew, Muslim, etc could in theory move into town they also couldn’t go to a Catholic church, synagogue, or Islamic center without having to extensively travel. Things planned communities leave out might indicate what kind of people planned communities want to leave out. Basically, the whole thing was an experiment in moving Americans into small direct-democracy suburbs as opposed to the then-current system of crowded cities and isolated farm/mine towns. This type of design wasn’t without precedent, there were famously company towns like Gary and Pullman which both existed outside Chicago. But those lacked the autonomy and democracy some USHA apparatchiks desired.

The green cities were a series of low-rise apartments housing over a hundred people each, they were short walks from a parking lot and roads, and walking paths directly and conveniently led residents to the town center which had amenities and a shopping district. Greenbelt in particular is famous for its art deco shopping complex, basically an early mall where business owners would open stores for the townspeople. These businesses were stuck being small, given the income requirements, but it was encouraged for locals to open a business to prove their entrepreneurial spirit. Because city affairs were elected at town meetings the city was able to pull resources to eventually build their own amenities the USHA didn’t originally plan for like a public swimming pool or better negotiated garbage collection.

These three cities were regarded as a success by the USHA until World War II happened and suddenly they showed flaws given the shift in focus. These towns housed poor people who barely if at all could afford a car, so semi-isolated towns outside the city became redundant and pointless. The USHA also had to keep raising the income requirement since the war saw a spike in well-paying jobs which made the town unsustainable otherwise. During the war and subsequent welfare programs to help veterans, these green cities became de facto retirement and single-mother communities for a few years as most able-bodied men were drafted or volunteered. Eventually, the USDA would make the towns independent, after the war they raised the income limit yet again and slowly the towns repopulated. As cars became more common and suburbanization became a wider trend these towns would be less noticeably burdensome and were eventually interpreted as just three out of hundreds of small suburban towns that grew out of major cities. They were still all-white and the town maintained cleanliness requirements; after all they lived in apartments it just takes one guy’s stink-ass clogged toilet to ruin everyone’s day.

By the 1950’s these towns were fully independent. Greendale and Greenhills voted to privatize their homes and get rid of the income limit all together so the towns can become more normal. Greenhills, Ohio still has many of these USHA-era houses and apartments, all owned by a series of corporations and private owners. Greendale, Wisconsin property owners have demolished most of these old houses and restructured their town government so most traces of its founding are lost. But Greenbelt, Maryland still maintains a lot of its structure to this day. Greenbelt has privatized some land and buildings, but most of the original USHA apartments are owned by the Greenbelt Homes, Inc cooperative which gives residents co-ownership of the building they live in and their payments mostly go to maintenance. Because Greenbelt was collectively owned the House Un-American Activities Committee would blacklist and put on trial most of Greenbelt’s residents and officials. Though they didn’t find much evidence of communist influence, the town was a target of the red scare by the DMV area, residents were discriminated, blacklisted, and pressured into selling their assets. While Greenbelt did commodify some of the town, the still existing co-ownership shows the town’s democratic initiative to maintain its heritage. The green cities desegregated in the 50’s and 60’s depending on state law, Greenbelt was the last to desegregate under the Civil Rights Act of 1964, while discrimination persisted for years by the 1980’s the town would become half non-white, today the town is 47% black and 10% Asian.

Though these towns largely integrated with a privatized and suburbanized America, they do stand as a memorial to an idea of American urbanism that died. They were designed for walkability and were planned to be more democratic and egalitarian towns, with the conditions that came with segregation and government oversight. You can’t ignore the strict standards and racism in their history, but you can say that about many towns. How do you think America would be different if more cities had green suburbs that were more interconnected and designed for community gatherings?

[ayeforscotland]

So a little bit more on this image where Tory MSPs stand amongst a crowd of short-term let landlords holding up a variety of signs including weird girlboss slogans, something about shooting a family holiday in the back of the head, an autistic person's 'dream' about being an AirBnB landlord, and - because of course - antisemitism. Scotland is introducing legislation to curb AirBnB and short-term lets which particularly impact Edinburgh. The people in this photo are basically unregulated landlords who believe they are entitled to hoard property. This impacts everything from housing availability to rent in the city. The people above are protesting this legislation, and many are refusing to pay the couple of hundred pounds to apply for a license to continue operating their property empires. They say they'll be automatically rejected. But why? Why would they be automatically rejected?

Could it be that, when they acquired their properties, some of them may have not applied for planning permission to repurpose their flats as commercial properties? (Answer: Yes) Could it be that if they never applied for a 'Change of Use' in accordance with the Town and Country Planning (Use Classes) Scotland Order 1997 - this may perhaps render some of them in breach of their insurance? (Answer: Yes) Could it be that by not complying with planning regulations that some may have in fact committed mortgage fraud? (Answer: Yes)

[forever-once-gone]

Day 3: Yoongi - You Meet Your Fated at a Coffee Shop <3

Part of the Love, Amour, Aur Pyaar drabble series for February! (lol)

Word count: 3.7k (can't keep them short for the life of me)

Content and Warnings: soulmate au, coffee shop au, gn!reader, sharing preferences, arguing, frustration, they're both a bit dense lol, but other than that nothing too terrible in this, just sweet honestly, almost throwing up, coffee snob!Yoongi, barista!Yoongi, mocha slander, terms of endearment: baby, dear, Y/n is ready to FIGHT

Author's Note: Hey! So like I know it is well past Feb, but tbh it was crazy of me to even think id have time to publish these things during midterms season. Even though I had reading week, it was just not going to happen. Even though I did manage to write some of the days, I obviously couldn't every day. And posting? Forget about it. Anyway, even if it's past Feb, would you want me to post the ones I did write? It won't be instantaneous, but I would like to share what I did write, and maybe even finish all the other days as I had already planned out what I wanted to write each day. Let me know if you're interested! Anyways, as always, enjoy! <3

Another mocha, just another mocha to fill up in the takeaway cup for another person who is trying to get through the February cold. Yoongi gets a lot of mocha requests before the winter holidays season. When so many are hyped up with Christmas cheer. Even people who do not celebrate Christmas tend to indulge in peppermint mochas when the snow hits the ground. And the trend trickled into the post holiday months every winter season. To the point when people ordered mochas even into early spring.

Yoongi, ever the coffee enthusiast, hated having to make so many mochas.

Frankly, he considered mochas just snobby chocolate milk with the smallest hint of caffeine. Like do mochas even deserve to be considered coffee-based beverages? He thought not. You could barely even taste the coffee in between the thick, tongue-coating taste of chocolate and the heaviness of way too much milk.

Everytime he had to make mochas, every single time, he’d be cursing in his head about how he would rather just be able to make his espressos, black coffees, and iced americanos. Iced americanos are the most he’d be willing to go when it comes to diffusing the taste of coffee.

Adding milk? Forget it.

Adding sugar? He’d rather just pour it down the drain than drink it.

Alas, when it comes to his job, he has to fulfill the customer’s wishes. No matter how much he hated the sugary, barely-even-coffee, more-like-milkshakes drinks, he would make the drink for them. A waste of good coffee in his books, but he needed the money that came from his overpriced caffeinated chocolate milk 

So, when it came to a coffee-novice coming into his coffee shop asking for a mocha, he would grit his teeth but make the drink nonetheless, the underline he requires to be able to pay his shop’s mortgage and keep all of his employees.

It was another one of these spring days when he’d unlocked the front doors of the café only to see someone new. Normally, only a few select people would come to his café so early in the morning, after all, most people started work at 9 or later. Only a few people would come at 5:30 when he opened. But today, there was someone new.

There was you, a person he’d never seen before standing behind his regulars. A cheery looking person, giving him a smile when he unlocked the door and opened it for the small group of people to trickle in.

He made his way behind the counter as he began his small routine with his regulars, smiling at each one of them as they gave him their orders, even though there really was no need as he had gotten each one of them memorized ages ago.

He took and prepared each order with practiced ease, until he got to the last person in line. The one who had spent the last ten minutes scanning the chalkboard menu with an analytical look.

You.

“Good morning,” you said to him with a kind smile.

“Good morning,” he replied. “What can I get started for you today?”

You wrung your hands, scanning the menu again, before looking back at him. “Can I get a large mocha?”

He scoffed. Seriously, chocolate this early in the morning? Typical from a cheery-looking person like yourself.

“What?” you asked, wondering if you’d broken some unspoken social cue. You’d seen the way he’d kindly spoken to the customers before you, making small talk, so what happened when it came to you?

“Nothing, nothing,” he waved you off, before pressing some buttons on his cash register’s screen. “That’ll be 5000 won.”

“No, no. That definitely was something. Did I say anything wrong?” You insisted, brows furrowed together in a mix of worry and a bit of indignation.

“No, not at all. It’ll be 5000 won.” He tried to force a smile, but your eyes were squinted together just as you did before when you were scanning the menu, but this time your object of interest was him.

“What? You just don’t like me or something?” You felt a bit uncomfortable, out of place in this cafe with a barista who seemed to hold a certain disdain for you from the moment you opened your mouth. But that didn’t mean you were going to back down from this entitled man. You eyed him up and down, letting him know the contempt was mutual.

He let out a small scoff, before seeming to recompose himself with customer service professionalism. “Of course not. I’m sorry if it seemed that way. Your total is 5000 won.”

You could see through his poorly reconstructed composure, but nonetheless gave him the requested money. You were already running late to your job interview, and you needed this job if you hoped to actually be able to rent a place in this city. You had already spent three weeks staying with your friend after moving here from your old city. You couldn’t stay with her forever, even if she was willing to keep you for forever if you needed it.

You stepped away from the register after he had given you your change and moved away to make your drink. You took the time to continue admiring the interior of the cafe as the barista flew around his counter space. You took in the worn furniture resembling something half between industrial and contemporary. The hanging lights and the various maps lining the walls of the place. Very hipster. Fitting for a coffee shop.

The call of: “One large mocha?” brought you back from your inspection. With a hum, you took your drink from him, feeling the drink warm your gloved hands.

“Thanks.”

“No problem, have a nice day.” And with that he was moving back to his dishes to clean up the dishes he’d used before the next customers wandered in.

You turned away from him, moving towards the door. Before you pushed open the door to brave into the cold, you flipped open the flap on the top of the to-go cup. You took a quick sip, ready for the delicious drink to coat your tongue, but instead your tastebuds were assaulted with a heinous amount of sugar. It tasted like you’d boiled a pool full of chocolate and dumped a truck full of sugar and then reduced the entire pool full over a roaring fire until only a cup of the concentrated mixture remained full of pure chocolate and sugar.

You immediately turned back on your heel. Pressing your tongue against the tip of your mouth, trying to rid it of the sweet assault. “You messed up,” you slammed the cup on the counter, seeing the barista’s shoulders jump at the loud thump.

“What’s the issue?” he asked, as he wiped off his hands on a hand towel before flipping it onto his shoulder. He leaned onto the counter with the palms of his hands, not even trying to hide his annoyance with you anymore considering the frown he sent your way.

“This is way too sweet. Like what, did you dump a whole bag of sugar into this thing?” You nudged the cup towards him. “If you didn’t like me, you could have just refused to take my order, you didn’t have to do all this!” You gestured to the cup.

“Please, I need you to calm down. I didn’t do anything to your drink. It’s just a regular mocha. Mochas are sweet, you should have known that before you ordered it for the first time.” He rolled his eyes slightly.

“First time? Oh, honey, no—I know what mochas are meant to taste like and this is not it. It’s practically the only thing I ever get!”

He scoffed yet again. Typical, he thought to himself. Never would've guessed. “Just take your drink and go, I don’t have time for this.”

“You don’t believe me do you?” You said in disbelief. You never would dare fight with someone like this, but for some reason, this one guy was just getting on your nerves. Typically, even if your order had gotten mixed up you would just swallow your disappointment and try to enjoy the drink anyway. Even if it was something bitter and boring like a plain black coffee. But the way this man had been acting from the moment you ordered has been rude and completely ruined your confidence. Not what you needed at all before trying to get this job. And for some reason, it felt like all your senses and emotions had been turned up to 100, so controlling your anger was a lot harder.

“Drink it,” you told him, holding his eye contact. “Yeah, drink it. If you can drink even one gulp without making a face, I’ll admit I was wrong and leave.”

The barista tongued his cheek for a moment, contemplating what you said. “I don’t want to. I don’t like mochas, besides, I can’t drink a customer’s drink anyway.”

“I’m just gonna take your refusal as you admitting that you fucked with my drink.”

By this point the two people left in the shop were watching the two of you fighting at the counter. A middle aged man walked up to the counter, stepping in to try and defuse the situation. “Why don't you just take a sip of it, Yoongi? Just to prove them wrong?”

“I refuse,” the barista, Yoongi, said to the man. “It’s a matter of principle at this point. I’m not drinking it. I know my abilities, and I know that that mocha would be as good as mochas get. I’m not gonna take a sip of a nasty ass mocha just cause this person wants to throw a fuss at five in the morning.”

“So you admit you fucked with it?! You admitted it’s nasty!”

“No,” he rolled his eyes at you for the umpteenth time this morning. “I just hate mochas, they taste like shit. But anyone who likes those chocolatey messes will admit mine are as good as they get. I might not like them, but I still put all my effort into making sure they taste good.”

“Just fucking drink it then! I’m not joking, this tastes like shit. Maybe something is wrong with your milk steaming machine or something—this just isn’t right!”

The middle-aged man decided to try and put the fight to an end. “Why don’t I just give it a try, huh?”

“No!” But Yoongi and you said at the same time, before turning back to each other again.

“He refuses to admit it, and he has to be the one to try it!” You crossed your arms.

“And they’re the one who is making a big situation over nothing, you should never give in to people like them.” He glared at you. Now that his patrons were getting involved, he wanted to get you out as soon as possible.

“Just try it! I swear it’s unbelievable. Just give it one sip!” You threw up your arms in frustration. “Come on, I’m not even asking for a refund or anything, I just want you to admit that you took your anger out on me for no reason. That’s all, I don’t even want an apology!”

“I don’t need to apologize! I didn’t do anything wrong! That mocha is PERFECT! I’d bet my life on it.” Yoongi was fuming now, chest heaving with frustration and annoyance. He was this close to calling the cops on you and calling it a day.

“Oh shut up with the ‘perfect’ nonsense! It’s not perfect! Just try it! This whole thing would have been over ages ago if you just gave it a try!” You pulled the cap off of the cup. “If you’re afraid it’s poisoned, I’ll take a sip of it before you drink it. See look.” 

You took a swig of the drink, nearly choking on the sugary beverage as you tried to keep the concoction from coming right back up. You gagged for a second or two, before finally straightening back up, wiping your mouth with the back of your gloved hand.

The two men around you exchanged expressions, their anger turning more to disbelief. Either you were a great actor or that drink really, really sucked.

“There, see. I didn’t tamper with it. Now, please, please just try it. Please. Don’t make me look insane. Just try it.”

There was a beat of silence.

“Fine. Fucking fine. I’ll try it. But if it tastes fine, you need to leave my shop and never come back, you hear me?”

“I swear. I won’t come back, don’t plan to anyway.”

Yoongi raised an eyebrow at that, before grabbing the lidless cup from the counter. He held it up, hesitated, and then said, “I really don’t like mochas,” with a scrunch of his nose. He took a breath and then took the smallest sip you’ve ever seen a human being take before slamming the cup down. His hand immediately came up to cover his mouth, his eyebrows furrowed.

You couldn’t bear to hide your smug look. How was he gonna hide how terrible the drink was now? He looked like he was going to throw up. Ha! That will show him!

But then he did the weirdest thing. He took another sip. A long sip this time. Other than his furrowed brows, he didn’t choke, gag, or even dry heave for a millisecond. Just watching him drink was making you nauseous.

“Oh my god!” you yelled, snatching the cup from his hands before he could take another sip, holding it up behind you, away from him. “You’re going to give yourself diabetes if you drink that whole thing!”

Immediately he tried to reach across the counter and get it back from you. “Hey! Give that back! This makes no sense!”

“Yoongi, calm down!” The man said, pushing the barista back off of the counter that he was practically leaning his whole body onto at this point.

“Why does it taste good?!” The distress that the barista was under put even you on pause. You watched the barista scramble around, rubbing at his head as if it was aching him. Was this the effect of all the sugar?

“Hey, man, you doing alright?” You placed the cup back down on the counter, holding a hand out to him to show you meant no harm.

He just shook his head, picking up a half empty mug from behind the counter that you had seen him periodically sipping from between the preparation of yours and the others’ drinks. He took a large gulp only to immediately run to the sink, spitting the drink right into the drain.

“Why does my coffee taste so heinous?! Why does it taste like fucking bitter gasoline? Why does the mocha taste so fucking good?!” He was still hunched over the sink, the only thing you could see of him was his back a bit of his lowered head. His arm reached to grab the hand towel on his shoulder to throw it to the side.

You had no answer for him. This was all so bizarre.

“This—” the middle aged man brought both your and Yoongi’s attention to him, as he brought the cup back to his lips for another sip. When had he taken your mocha from you? Was it when Yoongi was losing his mind? 

“This tastes…” He took another sip. His brows furrowed in concentration. 

“This tastes like a regular mocha.” He put the cup back down. “I think you guys need to calm down for a moment and think about what this means.”

“What do you mean?” you asked him.

“I think you know what I mean, dear.” The man had a kind-hearted look on his face as his eyes flitted between both you and Yoongi.

“OH MY GOD.” Yoongi grabbed the edge of the counter, seeming to understand the man’s insinuation. “There is no way.”

“What? What am I missing?” The man only shook his head as Yoongi raised his head to meet your gaze. He just pushed his half empty mug to you. Inside was black coffee.

“Try it. I need to see if it’s true.”

“Um, no. I don’t like black coffee. Yuck.” You nudged the mug right back to him only for him to stop the movement halfway. 

“That’s exactly why you have to try this,” Yoongi said as calmly as he could, though you could swear he looked almost like he could faint right then and there.

“Fine,” you took the mug from him. “Just cause you did drink the mocha.”

You swirled the dark liquid in the mug, debating whether it was worth it to drink the bitter liquid. But when you looked up to see that both the man and Yoongi were watching you like scientists inspecting their latest mutant rats for their observational notes, you just took a sip only to get them to stop staring at you.

Instantly your throat was soothed as the smooth taste of the perfectly roasted coffee made its way through your mouth. You’d never drunk anything so refreshing, so calming as it warmed you up from the inside out. Even though there was no sugar or cream, you surprisingly didn’t mind it as it allowed the rich flavour of the black coffee to shine through strongly. It tasted so good.

You didn’t put down the mug until you’d finished the whole thing.

The middle aged man had a small smile on his face, while Yoongi seemed to be still in his inspector mode.

“So,” the man began. “How was it?”

You thought about it for a second. “Good. Like really good. Like surprisingly good.”

The man clapped his hands. “Well there you have it. Congrats you two.”

You shook your head for a second, scrunching your face in annoyance. “What are you talking about?”

Yoongi came around the counter, finally coming to stand beside you without anything between you two. “Do I need to spell it out for you?”

“Easy, Yoongi. Don’t want to scare them off now do you?”

Yoongi rolled his eyes at the man but then nodded his head in understanding. “You don’t like black coffee right? Too bitter or something?”

You nodded. “Yeah, too bitter. I need more sugar or else I just can’t get it down.”

“And I hate mochas. They’re too sweet and you can’t even tell there is coffee in it since it's so overpowered by the sugar, chocolate, and milk.”

“Okay… What does that have to do with me though?”

“But I just liked the mocha. Not just liked, I loved the mocha. And you loved the black coffee.”

“Yeah…” You waited for him to clarify further.

He waved his arm as if urging you to think further, but when you just cocked your head to the side in confusion, he dropped his arm back down to his side. “Seriously?” he asked, exasperated. “I hated my usual coffee and loved your mocha. And you hated your usual mocha and loved my coffee.”

You nodded your head, trying to understand what he was trying to get at. Until it just clicked, your eyes widening instantly, reaching to grab his elbows. “OH MY GOD! We’re soulmates! Oh my god! We switched preferences! We’re soulmates!” You threw your arms around him, pulling him as close to you as you could through your thick winter jacket.

“Took you long enough,” he huffed, his arms reciprocating your grasp.

“Oh my god! I knew I was meant to move here! I have to tell my roommate! But wait—” you pushed him out of your hold.

Yoongi let out a light groan, as he caught himself from stumbling.

You pointed a finger at him accusingly. “You hate mochas, you black coffee supremacist!”

“Seriously?” Yoongi asked you. “That’s your biggest concern now?”

“Well yeah! I mean, I don’t know if my preferences will change back, but if they do, I can’t stay with a soulmate that thinks he’s superior to me because of his coffee preferences!”

Yoongi let out a small laugh, his lips tugging into a smile. “If it makes you feel any better, I think I will never be able to hate mochas after today.”

Even with your finger still pointed at him, you felt your lips pull into a wide smile at the hidden meaning behind his words.

You both jumped at the clearing of a throat behind the two of you. The man had made his way to the front door of the coffee shop with his order in his hand. “Sorry, sorry. Just wanted to let you know that my wife, Maria, had been recording the entire thing in case you needed to call the police.” He nodded towards the other patron who had been at the shop when you and Yoongi had started fighting who was now standing holding the door open as she waited for her husband. “Let me know if you want the video of your first meeting, I’m sure your friends and family would love to see it,” he said between kind-hearted soft laughs, before leaving hand-in-hand with Maria.

“Maybe even our future grandkids,” you teased him happily, taking a step back towards him.

Yoongi just smiled in reply, showing off his perfect teeth to you.

You felt your heart swell.

He took another step towards you, grabbing a hold of your hands by your side. “I would like that.”

You heard the door chime as a customer walked into the coffee shop before their steps halted somewhere behind you.

“Uh, is this a bad time?” The customer asked from behind you.

“Give me a second,” Yoongi replied.

“Alright,” the person cleared their throat. “Just don’t want to be late for work.”

That seemed to jolt you out of your Yoongi admiring stupor. “Shit! I have an interview!” You tightened your hold on his hands before letting go.

By the time Yoongi realized what was going on, you were already halfway out the door.

“I’m going to be so late! I’ll be back later, okay, baby?” You had pushed the door open taking a step out before turning back to him. “I am allowed to come back right? Or am I still exiled from your shop?” You asked with a smile.

“Seriously?” He laughed, shaking his head as he made his way back behind the service counter. “Maybe you’ll just have to try your luck.”

“You’re impossible.” You laughed into your hand, waving your hand at him. “When I come back, if you don’t let me in, I’ll tell all your customers that I almost threw up after drinking your mocha.” You stuck out your tongue at him as he fake gasped, before finally actually leaving the shop.

Well, there's that.

So if you didn't get it, in this case, soulmates have different ways of finding out if they're meant to be in this universe. For Yoongi and Y/n, they met and ended up switching coffee preferences (or maybe even more preferences but the only thing they noticed so far is the coffee). Even though their reactions may seem extra, when you meet your soulmate all your emotions/feelings/everything is meant to be heightened. So they had each other's preferences, but n times stronger. So that's why they loved the other's preference like it was ambrosia, but their own preferences tasted like so bad to them. Y/n found the mocha wayyyy to sweet like Yoongi would usually, and Yoongi found the black coffee wayyyyy too bitter cause Y/n likes her coffee well sweetened and with a lot of stuff to mellow the coffee flavour.

But anyway, yes they're in love.

So yeah, do let me know if you want me to post the rest of these. It will be a slow process, but I would like to do so.

Take care!!

[roki58750]

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