building a barn first curve ball

[Rockbadchild]

We pull the plug for this year, we are pushing it till year, this process is a curve ball after curve ball. It blows my mind that you have to ask permission to every organization in this country all the way to the pope to built on your own proprety. The bank is not giving us the money we hope for up front, the interest rate is scary, we are still in discussion with them but they would give us chunks as the project advance but our pocket is not deep enough for it right now. Every step is taking too much time, we are cutting it close as it is and our engineer plans is still not ready, I was starting to stress about it so its the right thing to do. We will still move the horses over to save money so I still have lots of work ahead of me like building a 900 yard fence, a shelter, a water system for them and some hay.

 

[CloverKnollFarms]

Most construction loans aren't a lump sum up front. It has designated draws, to protect the lender. And usually inspections at each stage, in my experience. However, typically they give you the money for each step, up front. When we built our barn, we paid cash, but it was the same. There were four draws, over the course of the project.

 

[Rockbadchild]

Most construction loans aren't a lump sum up front. It has designated draws, to protect the lender. And usually inspections at each stage, in my experience. However, typically they give you the money for each step, up front. When we built our barn, we paid cash, but it was the same. There were four draws, over the course of the project.

I am awar but we had enough equity to get a line of credit hight enough but one property has a private loan on it so we can’t used it. I initially told them the situation but i guess they didn’t understood when they went to register it then they did.

 

[BleedingOrange]

Keep pushing the decision out on building the horse barn a year at a time, until the want of having horses dis-appears. You can thank me latter. LOL

 

[Rockbadchild]

Keep pushing the decision out on building the horse barn a year at a time, until the want of having horses dis-appears. You can thank me latter. LOL

kinda hard when you already own horses ...

 

[MTGreen]

Keep pushing the decision out on building the horse barn a year at a time, until the want of having horses dis-appears. You can thank me latter. LOL

Isn't there some joke about if you want to be a millionaire horse owner, start off as a billionaire
Money pits

 

[Rockbadchild]

Isn't there some joke about if you want to be a millionaire horse owner, start off as a billionaire
Money pits

post 78

 

[rScotty]

We pull the plug for this year, we are pushing it till year, this process is a curve ball after curve ball. It blows my mind that you have to ask permission to every organization in this country all the way to the pope to built on your own proprety. The bank is not giving us the money we hope for up front, the interest rate is scary, we are still in discussion with them but they would give us chunks as the project advance but our pocket is not deep enough for it right now. Every step is taking too much time, we are cutting it close as it is and our engineer plans is still not ready, I was starting to stress about it so its the right thing to do. We will still move the horses over to save money so I still have lots of work ahead of me like building a 900 yard fence, a shelter, a water system for them and some hay.

I just saw this thread, and wish I had seen it earlier as we have been down the flood plain path too. In fact, we are still are impacted by it. Flood plain regs are becoming more and more strict. The little bit I know after 11 years of this could have saved you and me both some grief.

I believe the next curve ball you see is that the flood plain calculations are not just a matter of how a flood could impact your property. That's how the older interpretations of flood calculations used to work. Notice I say "could"; that's because it's all statistical.
The more modern curve ball is activated anytime a portion of your property is in one of the flood zones. Then you may find that it's not just about what you do your property - but also how whatever you do on your property affects the shape of the flooding upstream and downstream of your property. That turns out to be far more important than just what you build or don't.

Flood plain regulations have been with us a long time in the US and Canada both. But they were so complicated and difficult to calculate that they used to only apply to one piece of property at a time. Around here, building used to just require a statement from either the land surveyor or the builder. The wider and longer view upstream and downstream didn't get much attention until the twin forces of computers and climate change came along.

One thing I found that is that there is always someone in the local buillding dept. in charge of interpreting flood plain regs. Someone who is a "Flood Plain Administrator". He signs the flood plain part of any permit. You need to do some research to find out who that is and get them on your side.

I also found that my calculations and options meant nothing to the flood plain administrator. In fact, he isn't all that knowledgeable about floods. His job is to look at the existing lines on the map and then decide whether he wants to require you to employ engineers and surveyors with certifications. If so, let him pick the engineering firm, and let that firm pick the surveyor they want to use.

rScotty

 

[Rockbadchild]

Things are moving forward nicely, I got the location settle with the city, I also got the permission from every agency in the phone books (ministry of transportation, and the rail road) I got my building permit in hands, a pile of cash along with a loan.... Started ordering the material and scheduled the excavating date which is May 21ft, hopefully the frost is gone from the ground by then, there is still snow remnants as I am writing this.

 

[EddieWalker]

Congratulations. I thought this thread was dead and you would never be able to build your barn. It must have taken an incredible amount of effort to get it to happen!!!!!

 

[Rockbadchild]

Congratulations. I thought this thread was dead and you would never be able to build your barn. It must have taken an incredible amount of effort to get it to happen!!!!!

Thank, we could have made it happen last year but I had lots of expenses to get the hay field ready and for purchasing hay equipment so we choose to propone a extra year. But....

 

[EddieWalker]

How did you get around the flood zone issue?

 

[LouNY]

I'm not sure what the use of the wings off the main barn is to be.
I would be concerned that the low roof line would limit the usable equipment.

 

[Rockbadchild]

How did you get around the flood zone issue?

hahaha that's a funny story ... The town said that my survey and flood calculation weren't empirical evidence and I needed to get that approved by a surveying firm. (every firm didn't want to deal with this because of the agency involve (environmental impact consultant)).... Then it dawn on me that I was the only one who knew where the imaginary flood zone boundary was and from what the city already pointed out my calculation or survey is not empirical evidence. So I deleted the line off my building site proposal, moved the propose barn site closer to the location where it wasn't affected by the flood zone boundary (still was partially in it) and summited it... then they said it was too close to the road, so they asked me to pushed it back to 40 feet away from the property line.... so I did (now even more in the boundary).... Once I summited the proposal to the ministry of transportation (no clue what they have to do with this but still had to do it) they asked me to move it back even more (now to 45 feet ).... so I did, when I summited everything to the city it got approved.... The city would gave me a at your own risk type of contract to built where I wanted but then it would go in the file and I was afraid the bank wouldn't be too keen on providing a loan for a building in a flood zone without flood insurance.

 

[Rockbadchild]

I'm not sure what the use of the wings off the main barn is to be.
I would be concerned that the low roof line would limit the usable equipment.

its to store hay and hay equipment along with my tractor.... I don't have a cab on the tractor so it will fit with the ROP's folded down.

 

[rScotty]

its to store hay and hay equipment along with my tractor.... I don't have a cab on the tractor so everything will fit with the ROP's folded down.

Are you still using the Massey Ferguson? Without a cab up there in N. Ontario ?

We have wings on the barn and find them very useful. Not for storage, but as a really nice place to work where shavings and oil don't matter so much and more room to swing things like long boards. I'd find some other way to store hay, and save the wing space for projects.

What are the plans for the 2nd floor? Hopefully not hay or feed storage.
rScotty

 

[Rockbadchild]

Are you still using the Massey Ferguson? Without a cab up there in N. Ontario ?

We have wings on the barn and find them very useful. Not for storage, but as a really nice place to work where shavings and oil don't matter so much and more room to swing things like long boards. I'd find some other way to store hay, and save the wing space for projects.

What are the plans for the 2nd floor? Hopefully not hay or feed storage.
rScotty

yup and yup ... we are built different you know, at least that what I keep telling myself lol ...

yeah I have a separate shop, half is heated the other is not the whole building is 40x 30 ft .... and the hay storage stress me lots it will be a nice peace of mine once they have a roof over it. lol yes the second story is half for hay storage (small square bales) second half is going to be a storage and spare bed room. why you say hopefully not hay ?

 

[rScotty]

yup and yup ... we are built different you know, at least that what I keep telling myself lol ...

yeah I have a separate shop, half is heated the other is not the whole building is 40x 30 ft .... and the hay storage stress me lots it will be a nice peace of mine once they have a roof over it. lol yes the second story half is for hay storage (small square bales) second half is going to be a storage and spare bed room. why you say hopefully not hay ?

Yep, we live in a cold climate and like our open tractor...but we also have an older cabbed tractor used just for really bad weather - blizzards and floods.

BTW, we built our horse property partly in the flood plain back when regulations were not so strict. It was nice ...., until the flood came. Luckily we had built strong pole & concrete foundations, so everything inside stayed put. Still, it took years to rebuild.

 

[Rockbadchild]

Yep, we live in a cold climate and like our open tractor...but we also have an older cabbed tractor used just for really bad weather - blizzards and floods.

BTW, we built our horse property partly in the flood plain back when regulations were not so strict. It was nice ...., until the flood came. Luckily we had built strong pole & concrete foundations, so everything inside stayed put. Still, it took years to rebuild.

yeah a cab would be nice at times ... maybe one day I will have the money to buy a 80hp tractor with a cab .... ha sorry to hear that it must sucks for sure.... My barn is not in a flood plain, it is near a flood boundary (line drawn on a map) that was determined by a incompetent idiot. If that barn flood at that point the barn would be the last of my worry because the entirety of Canada would be under water so at that point my worry will be why God didn't worn me so I could built a ark....

 

[rScotty]

yeah a cab would be nice at times ... maybe one day I will have the money to buy a 80hp tractor with a cab .... ha sorry to hear that it must sucks for sure.... My barn is not in a flood plain, it is near a flood boundary (line drawn on a map) that was determined by a incompetent idiot. If that barn flood at that point the barn would be the last of my worry because the entirety of Canada would be under water so at that point my worry will be why God didn't worn me so I could built a ark....

When this area in Colorado changed from farming to suburban housing 20 years ago, a lot of farmers sold their land to developers and simply left, leaving everything behind.

On my way to work, I watched as what looked to be nice old 90 hp cabbed ag tractors, implements, and vintage farm trucks would just sit there unmoving at the edges of fields for year after year. Finally the housing developers would move in, tear down the farm house & barns, & hauled everything away...probably for scrap.
rScotty