Demolition starts

On Friday, June 7th the contractors started demolition of the commercial floor. Here's a short video to commemorate the long-awaited first swing.

Over the weekend the contractors selectively removed walls and wall parts from the commercial floor at ground level.  They are very tidy - piling material by type before removing it from the building.

Organized piles of demo'd walls

The walls are selectively removed to create a large office in back connected to one of the bathrooms with a separation from the front retail space.

Office in back

Front retail space as seen from office

In some locations, we're leaving the existing, original wall trim...

Existing baseboard

Including the trim around the windows.

Plaster removed around windows

We asked the contractor to remove the plaster on the middle floor, since they were already mobilized on-site.  While doing that, they ran across underground conduits leading into the building.  We believe these were originally meant to carry telephone wires that would have run into the building if the original plan to make it a telephone switching building had occurred.

Conduits for telephone wires?

Back to Square One

We hit a wall in the loan process this January that derailed our plans for our off-beat dreamhouse.

After stringing us along for several months and providing a commitment letter for the 203(k) loan, the bank got cold feet and dropped us.  Not once, but twice.  First decline had to do with the lack of appraisers willing to appraise this "unique" mixed use building.  Right after they declined us, we got a call from the bank's appraiser, who apparently did not get the bank's message.  The appraiser said the property would be eligible for the 203(k) loan and appraised the building at a value greater than the loan.  At this point the bank gave us a verbal go-ahead to re-submit the paperwork under a new loan number.  The bank now had everything and we waited.  Then they came back and began to question if this building would meet HUD 203(k) guidelines.  We called HUD and the representative could not understand why the bank was saying that.  However, the representative said that HUD was seeing an alarming number of lenders declining loans on mixed use properties such as ours because they couldn't sell them on the secondary market.  We kept pushing Wells Fargo to give us a reason why they were beginning to have doubts with the loan, but they refused to be specific and eventually sent us a second declination letter saying that the building did not meet the bank's own private approval guidelines, which were different than those stated by HUD.

All in all, Wells Fargo sucks big time.

We're now approaching the renovation by starting at the commercial space on the ground floor.

Front Retail Space and Basic Rear Office Space

Four Alternate Options for Finishing Rear Office Space

 

This time we went with a credit union to fund construction.  We closed on the loan a couple weeks ago.  Looks like we may start construction sometime this spring.

We're already advertising the space for rent through a local broker.

We're now weighing our options for living.  We'll continue to update this blog with the renovation of the commercial space and what we end up deciding to do with the rest of the building.

The Old Water Company

It's been too long since I posted anything on the building because I've been busy responding to  Hurricane Sandy's aftermath.  Fortunately the building was spared damages and we came out safe and sound in our Brooklyn apartment.    

We are so close to closing on the 203(k) loan.  It's just a matter of days to weeks (cross my fingers) as we wait for the contractor's information.

In the meantime, here's a little history on the building that I've been unearthing.

The building had been the W.T. Barnes Upholstery business for several decades.  The previous owner worked at the store since high school, and by the time we bought it, she was ready to retire.  

When we were at the Dobbs Ferry Festa about a couple months ago, we met a woman named Nancy Delmerico who told us that her father used to work at the building when it was the Water Company.  Nancy had a picture of her father, Patrick Delmerico, standing in front of the building (on the left) that was published in a local newspaper dated January 7, 1938.

Picture courtesy of Nancy Delmerico

Eager to find out more, I called the New Rochelle Water Company but did not get a call back.  Next I tried the Dobbs Ferry Historical Society, which had provided Rick with some information on the building several months ago.  In particular, Mary Donovan at the historical society, provided us with an excerpt from a book called Life of a River Village, Dobbs Ferry: a Centennial Publication.

"The left-hand side of Cedar Street, backed by the deep ravine, had a few small buildings...The building now occupied by Barnes Upholsterers belonged to W.G. Brown.  In 1911 it was to become the home of the Telephone Company, which outgrew its original office in the rear of Herbeck's Drug Store on Main Street."  

Page from Life of a River Village 

The historical society pointed me to the website:  http://fultonhistory.com/Fulton.html, which has information from early Dobbs Ferry newspapers.   

Searching for the address, I came across several references to the building that didn't seem to make sense; there were interesting advertisements that stated the building was a theater, a music & radio shop, and republican presidential challenger to FDR (Wendell Wilkie).  However, there's a theater across the street, so at least some of the listings didn't make sense there.

I asked the historical society about this.  Mary Donovan mentioned the street must have been renumbered.  She mentioned that there is a vague reference to renumbering in her records, but no detailed information is available.

As we continue this we may be able to put together a better timeline and have a more thorough history of the life of the building.

Thanks to both Nancy Delmerico and Mary Donovan for historical information!

Final Board Approvals

We made good progress in the last month.  Although we haven't started renovating yet, this incremental progress brings us much closer to renovations, as follows: 

Village Board Approvals

We got approval from both the Board of Trustees and the Architectural and Historical Review Board in September.  This completes the last of the four required board presentations.  The Board of Trustees were very encouraging, but before issuing their approval made sure that we would agree "to enter into discussions" with the Village on their plan to build a road and parking lot that would run along the backs of the buildings on our side of the street.  Preliminarily this would require an easement from us and our neighbors. We're not sure what type of footprint this would involve, but we'll cross that bridge when we get to it.  Unfortunately the Village is charging a very large recreation fee on top of the other permitting fees. These are adding up to be substantially more than we had initially planned.  Fortunately, we can incorporate these fees into our loan before we close because they sure are getting large.  

The Mayor later highlighted our project in his newsletter:

"In the downtown area, the Board of Trustees granted site plan approval for 32 Cedar Street, the property formerly known as WT Barnes. This will be for a new design and re-use of the building, including an office business and one residential unit (in the rear, facing Wickers Creek). The new Zoning Code and Vision Plan adopted by the board encourages re-use of downtown buildings, in particular new residential opportunities; this will increase 'foot traffic', creating a more viable downtown area for local business to succeed. In this case, the owners of the business and building will also be living in the building too! This is a good thing, and we welcome the new owners (and residents) to the village."

Although not originally planning to present to the Architectural and Historical Review Board in September, we were able to prepare the submittals in time for the deadline.  In the long run, this saved us about a month's worth of time. Design wise our goal is to maintain as much as possible the original look of the building that John C. MacKenzie, Jr. designed.  I learned to use a 3-D program called Sketchup to render the building in 3-d based on Rick's 2-d plans.  This allowed us to experiment with different colors on the façade.  

Existing streetscape, with existing building top center 

Color board with proposed finishes

Request for Bids

The bid package for the project went out to six contractors.  Two of those contractors dropped out because they're busy with other projects or didn't want to get involved with the 203(k) process.  That leaves us with four.  Once the bids are in, we'll check references and start negotiating with the lowest successful bidders.  We met with most of the contractors and got some good ideas for controlling costs.  We're including some of those ideas along with revisions in an addendum package, which will be submitted to the contractors for inclusion in the final bid.

Ferry Festa

Last weekend was the Dobbs Ferry Festa and we decided to participate as vendors.  We reserved a spot to advertise Rick's home inspection services and to meet the locals.  Rick spoke to several people who were interested in different aspects of the inspection process.  

Manning the Booth

Several people were curious about our building plans.  Fortunately we had the color board with us.  One person told us that her father used to work in the building when it was the local offices of the New Rochelle Water Company and that she might have a picture that she could share with us.  I was so excited I actually called the New Rochelle Water Company this morning to get more information.  

We made many connections at the Festa and exchanged great ideas.  I think we'll do this again next year, when we're living in the building and I may even participate by knitting up some pieces to sell.  I connected with two local homegrown businesses that are run by creative, young women.  One makes vegan soaps and the other sells tasty spices and chocolate.  Their products and their passion are energizing.

Fine-Tuning Design

The past several weeks we've been fine-tuning the building design for the Planning Board and our HUD consultant.  It's not really "we" because Rick’s doing all the work.  I’m just providing the moral support for all his grueling hours and my thoughts on the design as it forms.

Rick updated the site plan to include more detail on the retaining walls that will terrace the steep slopes on one side of the building.  The site plan also includes the trees we're removing and the ones we’re planting.  

One specific tree absolutely must go because it’s growing right up the side of the structure at the bottom of the basement!

We plan to put a small deck on one side of the building for access to the electric meters.  We were debating on making this a larger deck or another terraced area with a retaining wall, but it doesn't seem worth it at this point.  We may re-visit the idea of a deck, along with other wish list items a few years down the road. 

About a month ago we got the awesome news of our preliminary loan approval through the 203(k) process.  Since then we've met with our HUD consultant to prepare the work write-up that will kick-start contractor bidding.

The next few weeks we'll continue fine-tuning the design as we move forward on our submissions to the architectural review board.  More to follow!

Slopes: 1-story in front, 3-stories in back

Our friend Andrew in Vancouver, BC started reading our blog and reported back that he wants to see the sides and back of the building to get a better idea of the whole shell.  This reminded me that we haven't yet posted anything on the limitation/benefit that our side slopes pose.  

When you look at our building from the street, it look like a one-story structure with a bunch of trees around it.  In fact, on the tax roll, the building is considered a one-story structure.

However, from the back the building is actually three stories tall.  All the buildings on this side of the street are built on a slope, so there's more building below the street level.

The steep slopes on both sides of the building are both a blessing and a curse.  The bad part is the erosion from the steep slopes is eating away portions of the hill.  

The previous owner built a ramp on one side of the building to easily roll in deliveries from the street to the level below, without the need to go through the inside stairs.

The benefit of the steep slopes is that they shelter our home from the busy downtown street on the front and affords us views of the little stream in the back.

Village Board Meetings

To get our project through the Village's permitting process we've got to get approvals from four boards:

1. Planning Board
2. Zoning Board
3. Architectural Review Board
4. and potentially the Board of Trustees

So far, we've met with just the Planning and Zoning Boards.

Last month we received preliminary site plan approval from the Planning Board; final approval will be sought during the formal meeting in September.

This month we are seeking final Zoning Board approval to allow us to use five on-street parking spaces for our building.  This is important because our property does not have enough room to allow for off-street parking.  This is our second meeting because the previous meeting had to be canceled because we forgot to bring the USPS return receipts (to prove we'd notified the neighbors of the meeting, oops!).

Working space that needs renovation.

The night of our second Zoning Board meeting, while approaching the meeting hall we ran into the Village inspector relaxing outside the building.  He casually mentioned that he had just one concern that might affect our ability to be heard at tonight's meeting.  (Gulp!?!)  He said that when he checked our file this morning there did not appear the required minimum number of electronic return receipts.  He stated that at least 50% return receipts were needed and often times the Board requested 75%.  Our hearts sunk and images of a second month wasted filled our minds.

The inspector offered to let us use his computer to see if we could document that more neighbors had since received notification.  However, when we checked the receipts delivered directly to our personal e-mail, there was no further information.  Our hearts sunk even more as the inspector stated that the meeting would start in 10 minutes.  We decided that it was best not to be late to the meeting.  We took the receipts we had so far and entered the board room.  We sat down, feeling lower than low, with the belief that we might be postponed for another month.

We were second on the agenda and the first presenter was beginning to wind down, when we got the idea to look for the missing receipts not through our e-mail, but directly through the USPS website.  While the gentleman before us was taking his final questions we got onto USPS.com on our cell phones.  This time, to our surprise, the USPS.com site had more data than we previously accessed through e-mail on the missing receipts.  The information showed that the notifications had been delivered to the local post office, with the date and time they were planned for delivery.  It wasn't an actual confirmation of delivery, but it seemed better than nothing.

The previous speaker finished, we walked to the front, and began to set up our display, knowing that there was a real possibility we would be turned away.  We began discussing where we had left off at the last meeting, and the Chairman posed the dreaded question, "Did we receive the return receipts?" The inspector told the board that 10 of the 26 receipts were confirmed delivered.  We jumped in and said our attempts at using the latest electronic technology had backfired, preventing us from providing the documentation the board required.

Working on the latest technology.

As it turned out, the stars aligned for us that night.  Instead of dismissing us, the Chairman exclaimed, "No wonder the post office is having a hard time making money."  With that joke, the Chairman continued, "it appears you were diligent in your efforts at notifying the neighbors and we will hear your application." (Yay!!!)

Our actual presentation lasted no more than 10 minutes.  The Board members were in general agreement that our project seemed reasonable and it was then and there that they granted our request for five parking variances.

The lesson of this story is if we're trying to use a new technology, let's make sure it works first!

Time-honored traditional postcards we wish we had used.