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I'm going with blowed up. 

Drain the oil and look for glitter. You might be able to see in on the dipstick as well in bright sunlight. 

03Panther
03Panther SuperDork
12/19/20 12:18 p.m.

In reply to Purple Frog (Forum Supporter) :

Unfortunately, I'm seeing it as a repo, you take the credit hit, and move on with your life.   And learn to never borrow money against a depreciating car again

Dave Ramsey calls that “stupid tax”, and we’ve all paid it to some amount! That would be his best bet, but only if he uses it as  learning experience. Prolly 90% that go that way, learn nothing, sadly. (I’ve paid my share of that tax, a few timesblush)

03Panther
03Panther SuperDork
12/19/20 12:23 p.m.
John Welsh said:

Stretching for ideas... 

Some churches do something like an automotive ministry. Their focus often is to keep single mothers working by keeping their cars running. 

I wish something like this was in my area. I might get involved with helping. 

This leads me to.. find such thing to help your engine repair needs and repay with donating your time repairing what you can, like brakes etc. 

That kinda help is for the folks that are really in financial trouble. ‘Course food stamps, are also, but that doesn’t stop most others that are getting them either. 

John Welsh said:

Stretching for ideas... 

Some churches do something like an automotive ministry. Their focus often is to keep single mothers working by keeping their cars running. 

I wish something like this was in my area. I might get involved with helping. 

This leads me to.. find such thing to help your engine repair needs and repay with donating your time repairing what you can, like brakes etc. 

I do this for the church my son goes to. Mostly their tire work and use of the press and such in my shop.

Kendall_Jones
Kendall_Jones HalfDork
12/19/20 12:30 p.m.

If its repo'd they will come after you for the difference.  If the motor is toast they the difference will be huge (then your only option is bankruptcy).

Start easy, do a compression test.

03Panther
03Panther SuperDork
12/19/20 12:31 p.m.

In reply to Toyman01 (Moderately Supportive Dude) :

That’s awesome! That’s the way “giving back” to the community is supposed to be done. I do a lot of little things to give back... I have little money to help with, but I’m able bodied, and giving time usually helps folks more!

infinitenexus
infinitenexus HalfDork
12/19/20 1:04 p.m.
Kendall_Jones said:

If its repo'd they will come after you for the difference.  If the motor is toast they the difference will be huge (then your only option is bankruptcy).

Start easy, do a compression test.

That's kind of what I was afraid of. Thanks for the heads up!  I'll pick up a compression gauge today and give it a shot.  I've never done that before but I googled it and it looks like a pretty simple and straightforward procedure. 

Saron81
Saron81 HalfDork
12/19/20 1:09 p.m.

With that new video and better description, I'm going with it needs a LH timing chain tensioner. OP, search for TSB 14-0156. 
Issue: "Some 11-12 Mustangs equipped with a 5.0 may exhibit a metallic rattle or screeching noise in the LF head area." It says when warm... but it sure sounds like your problem. 
It's a 5.4 hour job, and a few hundred in parts. I'd pay someone to fix it. 

John Welsh
John Welsh Mod Squad
12/19/20 1:13 p.m.

In reply to infinitenexus :

Compression tester. See if you can "rent for free" the equipment from Autozone, etc. You leave a credit card deposit and full refund upon return. 

My local Orielys has better equipment than autozone. 

https://www.oreillyauto.com/detail/b/evertough-4771/tools---equipment-16488/tools-23747/rental-tools-16837/rental-tools--engine---clutch-19166/f954188cd899/rental-tools-evertough-compression-tester-gauge-set/67062/4700273?pos=15

infinitenexus
infinitenexus HalfDork
12/19/20 1:22 p.m.
Saron81 said:

With that new video and better description, I'm going with it needs a LH timing chain tensioner. OP, search for TSB 14-0156. 
Issue: "Some 11-12 Mustangs equipped with a 5.0 may exhibit a metallic rattle or screeching noise in the LF head area." It says when warm... but it sure sounds like your problem. 
It's a 5.4 hour job, and a few hundred in parts. I'd pay someone to fix it. 

Hot damn!  Now this sounds like the problem. I did feel like it was coming from the very front is the head, and the timing chain would be in the exact area I was hearing it from!  I'm going to look into this right now. Thank you!

infinitenexus
infinitenexus HalfDork
12/19/20 2:21 p.m.

I called the nearest dealership to get a quote on fixing it, and he said $930 in labor plus parts. Yikes. The other nearby mechanics are closed so I'll have to wait until Monday to check. 

tester (Forum Supporter)
tester (Forum Supporter) Reader
12/19/20 2:47 p.m.

In reply to infinitenexus :

That's cheap compared to the bank coming after you for $$$$$ after the repo. 

yupididit
yupididit PowerDork
12/19/20 2:48 p.m.

In reply to infinitenexus :

Ford usually gives a military discount. But that's not that bad compared to the alternative options you could've been facing. 

infinitenexus
infinitenexus HalfDork
12/19/20 2:52 p.m.

You're both very right. Once I get it fixed I still need to deal with getting rid of it. Maybe I'll luck out and someone will steal it and total it, but failing that we have a few options. First step first, though. 

Stampie (FS)
Stampie (FS) GRM+ Memberand MegaDork
12/19/20 3:09 p.m.

In reply to infinitenexus :

You know you live in FL now not crime ridden Baltimore. Lots of people leave their keys in the car outside their home. 

In reply to Stampie (FS) :

Of course I'm not saying it could be possibly related to the band of Detroit car thieves expanding their turf but it could be possible. 

On a side note, can someone swing by and grab a parts car for me in FLA, I'll be heading down next week to pick it up and part it out then chop any identifiable parts into a gajillion bits. TIA

infinitenexus
infinitenexus HalfDork
12/19/20 3:23 p.m.

In reply to Stampie (FS) :

True, and crime was our main reason for moving!  We were in a quiet and safe place before but now we're in one of the bad neighborhoods of Sebring - pretty bad statistics here. We might end up being your neighbor in the future though!

Stampie (FS)
Stampie (FS) GRM+ Memberand MegaDork
12/19/20 3:48 p.m.

In reply to infinitenexus :

Usually I tell people that I'm not the kinda of neighbor you want to have. You might be more understanding than most folks. 

infinitenexus
infinitenexus HalfDork
12/19/20 3:57 p.m.

In reply to Stampie (FS) :

Especially having met you in person, I can say that you are exactly the kind of neighbor I would like to have. 

Mndsm
Mndsm MegaDork
12/19/20 5:11 p.m.
Stampie (FS) said:

In reply to infinitenexus :

You know you live in FL now not crime ridden Baltimore. Lots of people leave their keys in the car outside their home. 

Jeeps not locked and the ignition is mostly broken. Don't care. Come get it. 

infinitenexus
infinitenexus HalfDork
12/19/20 5:22 p.m.

In reply to Mndsm :

Just wanted to say I love your avatar picture!

Purple Frog (Forum Supporter)
Purple Frog (Forum Supporter) GRM+ Memberand Reader
12/19/20 6:50 p.m.

If Sharon81's description of the problem is spot on you are in good shape.

Pay the dealer to do the repair.    It is a ton of work to make that change.  Basically the whole front of the engine comes off.  And it is only like adding 3 months of payments to your story.  Better than a repo.

Once its repaired you need to rid yourself of one car.   Mustang or Civic?  Right now you don't need to be a three car family.

I have lived all my life with the philosophy that one vehicle in the driveway needs to be able to be gotten in and driven 3000 miles right now.   Would that be the Tang or the civic?  Also, in 8 months there has to be a car that starts and hauls butt to the hospital...

FatMongo
FatMongo Reader
12/19/20 7:16 p.m.
Saron81 said:

With that new video and better description, I'm going with it needs a LH timing chain tensioner. OP, search for TSB 14-0156. 
Issue: "Some 11-12 Mustangs equipped with a 5.0 may exhibit a metallic rattle or screeching noise in the LF head area." It says when warm... but it sure sounds like your problem. 
It's a 5.4 hour job, and a few hundred in parts. I'd pay someone to fix it. 

Yup - this is a likely suspect. I dont think its knock because the noise changes and stops for a second. Knock would be consistent.

So this isnt any sort of exact parallel, but years ago I had a 2V SOHC 4.6 that I thought had developed rod knock - it just dropped a chain tensioner. Sounded like this:

https://vimeo.com/367283547

infinitenexus
infinitenexus HalfDork
12/19/20 8:11 p.m.

In reply to Purple Frog (Forum Supporter) :

Oh that's an easy one. The Prius stays, the Mustang goes. I'll keep the civic for now in case I need separate transportation, as it's paid off and just cheap all around. When we leave here and move I'll sell the challenge civic and we'll just have the Prius. If I really need to, I can get a cheap beater in our new city. 

FatMongo
FatMongo Reader
12/19/20 8:29 p.m.

Also, OP, who is your vehicle financed through?

Consider a refinance. I can tell you NavyFed is easy to work with and you might be able to finance out an ADDITIONAL 12-24 months, reducing your monthly payment and buying you some breathing space.

Also, it might be worth calling your lender and asking for a Covid related 3 or 6 month suspension of payments - its certainly worth a try.

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