Cole Hartman
DIY & home-projects writer
Columbus, OH
Cole learned home projects the way most people do — by doing a few of them wrong the first time. He writes the practical math side of DIY: how much paint you actually need, whether a flooring quote is fair, what a project really costs before you start. He's a hands-on hobbyist, not a licensed contractor, so he sticks to the planning and the numbers and leaves the code-and-permit calls to the pros.
Articles by Cole Hartman
Home Equity Cash-Out vs. HELOC: Complete Cost Comparison Guide
Compare the true costs of cash-out refinancing versus home equity lines of credit, including closing costs, interest rates, and tax implications to determine which option maximizes your home's equity potential.
Apr 11, 2026PMI Removal Strategies: When and How to Cancel Private Mortgage Insurance
Learn the exact requirements and proven methods to eliminate PMI payments, potentially saving hundreds per month. Includes calculations for 20% equity threshold, automatic vs. requested removal, and refinancing scenarios.
Apr 11, 2026Hidden Costs of Homeownership: The Complete First-Year Budget Calculator
Beyond your mortgage payment, discover the overlooked expenses that catch new homeowners off guard in their first year, including maintenance reserves, utility deposits, and seasonal costs.
Apr 10, 2026Home Renovation ROI: Which Projects Add the Most Value to Your Property
Compare renovation costs versus property value increases for kitchen remodels, bathroom upgrades, flooring changes, and exterior improvements. Data-driven insights to maximize your investment.
Apr 9, 2026Should You Refinance? Complete Analysis Guide for Homeowners
Discover when refinancing makes financial sense by comparing current rates, calculating break-even points, and evaluating closing costs. Includes scenarios for cash-out refinancing and rate-and-term options.
Apr 9, 2026How to Calculate Your Maximum Home Purchase Price: A Step-by-Step Guide
Learn how to determine the most expensive home you can afford by factoring in income, debt, down payment, and hidden costs. Includes worksheets and real examples to avoid overextending financially.
Apr 9, 2026Property Tax Assessment Appeals: How to Calculate Your Home's Fair Market Value
Step-by-step guide to researching comparable sales, calculating your home's true market value, and determining if your property tax assessment is too high. Includes templates and calculation methods used by professional appraisers.
Apr 9, 2026Refinance vs. Home Equity Loan: Which Is Right for Your Situation?
Compare the costs, benefits, and scenarios where refinancing makes more sense than a home equity loan. Includes real examples and step-by-step calculations to help you decide the best option for accessing your home's equity.
Apr 9, 2026How to Calculate Your True Home Affordability: Beyond the 28% Rule
Learn why the traditional 28% debt-to-income rule may not work for everyone and discover how to calculate what you can actually afford based on your complete financial picture, including hidden costs and lifestyle factors.
Apr 9, 2026