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I'm only guessing Beth, but it would just be personal
preference, one building, close to the horses, you could go
down in your jammies and check on the ponies, feed without
stepping outside, etc.  Just the appeal of being nearer I'd
guess.  (I don't really have to guess, I'd LOVE to have a
barn/house combo but I think my husband wouldn't like
having to build another house for himself!! He says I bring
enough hay in on my clothes and hair, imagine if I went
down to feed barefoot or in my socks and yes, I'd probably
do it!!)

heidi

--- Beth Walker <bwalker2@xxxxxxx> wrote:

> Question -- what are the advantages of a combination
> barn/living  
> quarters, as opposed to building a house, with a
> separate, detached  
> barn?  ( I'm assuming that the living quarters are
> intended to be the  
> main residence).
>
>
> On Mar 20, 2007, at 2:03 PM, heidi larson wrote:
>
> > As a residential real estate appraiser (Washington
> State) I
> > can tell you how it can be easier to get financing.  If
> the
> > building looks like a house from the exterior and you
> call
> > the whole main floor (stall area) a shop and don't
> finish
> > with stalls/horsey living quarters til the final
> > inspection, it will likely go through pretty well.
> > Otherwise, they may have to put it through as a vacant
> land
> > loan with site improvements that aren't considered
> > liveable. (At a higher interest rate.) I've not
> appraised a
> > barn w/LQ, but have done a shop w/LQ and they are
> pretty
> > much the same animal.  Make sure the living area is
> typical
> > size for the market. So not under 1200+ sf generally
> (in
> > our area anyway.) If the exterior just looks like a
> house
> > with a large garage it may fly as a residence.  Then
> add
> > the stall doors and walls/paddocks after the final
> > inspection.  (Like adding a bath in a garage/shop for
> the
> > county!)  Be aware, for refinancing at a later date, it
> may
> > become a problem and if you sell, the buyer may have
> > difficulty.  I routinely do appraisals for acreage and
> > unless they are sent to certain eastern bank
> underwriters,
> > I typically don't have problems with having a 5-20 acre
> > parcel in a suburban area, unless like Beth
> mentioned,the
> > property is zoned for smaller lots or a development
> > potential could create another set of problems.
> >
> > heidi larson
> >
> >
> > --- Jackie Hardin <jwinkleman_2001@xxxxxxxxx> wrote:
> >
> > > I had no problems financing the house/barn.  I had
> more
> > > problems with the amount of property being over 5
> acres
> > > with a couple lending institutions.  I ended up going
> > > with a local bank since we are in a rural area.
> > >
> > > Beth Leggieri <trailyaya@xxxxxxxxx> wrote:    Having
> > > known friends who went through some agony in acquiring
> > > financing for their projected barn/apartment living
> > > quarters, anyone planning to pursue construction of
> said
> > > structure should do the homework first.  It may or may
> > > not be possible depending upon zoning codes and
> lending
> > > institutions' policies.  Better to find out if it's
> even
> > > feasible for a particular location before contacting a
> > > builder, having plans drawn up, etc.
> > >
> > >   Beth in Texas
> > >
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