“Homeownership” is retarded unless you want to stay in house forever
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Date: April 29th, 2024 7:59 PM Author: Fuchsia self-centered crotch
This is laughably wrong. House prices generally track inflation. Plenty of years where the house is flat and inflation is 2%.
Homes are just sinks for taxes, insurance, maintenance, HOAs, worthless utilities, never ending bullshit, break ins, squatters, noisy neighbors, nosy neighbors, illegal neighbors. It’s just a neverending river of shit these single family homes.
(http://www.autoadmit.com/thread.php?thread_id=5522879&forum_id=2#47619815) |
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Date: April 29th, 2024 8:10 PM Author: aphrodisiac violet senate
I own 3 properties. I wasn't a retard so I bought ones that didn't require any work.
Between all three, I've spent maybe $10k total over ~10+ years, at most. Just replaced some carpets, snaked a few drains, and replaces a few appliances.
You may not know this, but you're allowed to inspect a property before you buy it.
(http://www.autoadmit.com/thread.php?thread_id=5522879&forum_id=2#47619848)
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Date: April 29th, 2024 9:17 PM Author: diverse sable twinkling uncleanness
Here is where you can be very wrong. My wife and I bought a place in 2018 for $498k at 3.5% interest. We put $200k down. We still owe $255000 on the mortgage, but we put the house on the market this weekend (it listed Thursday) for $975,000 and we got over 25 offers with the highest being $1,050,000.
After commissions, costs and paying off the mortgage, we will walk with $753,000. Which means, we profited $553,000 in less than 5.5 years: $100,000 a year. We're moving to SC and our newly built home is coming in right at $722,000. So, we'll have no mortgage. Now, obviously this isn't going to happen for everyone, but it did just happen for us. And that's why you buy houses.
(http://www.autoadmit.com/thread.php?thread_id=5522879&forum_id=2#47620037) |
Date: April 29th, 2024 7:34 PM Author: Fuchsia self-centered crotch
Owning real property and participating in the game of Amerikkka is flat out highway robbery.
Taxes + Interest + HOA + Insurance + cost of upkeep on my house is about $45k
Insurance on the cars is now up to $3k (and I ostensibly own them) + another $1k in various fees for maintenance, registration, inspection
That’s $4,000 gone each month just for the right to “own” property in America
Utilities + food + transport costs like fuel, etc doesn’t come close to $4k
Childcare comes close
If I sold everything and just moved to Asia I could live on so much less
(http://www.autoadmit.com/thread.php?thread_id=5522879&forum_id=2#47619735) |
Date: April 29th, 2024 7:46 PM Author: razzle-dazzle gay wizard
Just raise a family in an apartment complex full of government mandated low income residents bro
Just have your lease not get renewed at the top of the market so you are forced to move bro
Just have your rent go up 10%+ per year bro
Just never be allowed to have pets bro
Just be forced to live with the shittiest appliances in existence and never able to renovate or change anything forever bro
(http://www.autoadmit.com/thread.php?thread_id=5522879&forum_id=2#47619767) |
Date: April 29th, 2024 9:48 PM Author: Peach indecent generalized bond
People railing against home ownership are fucking idiots who:
(i) Are too dumb to ever account for the fact that a home is not just an investment, its consumption. So in your calculations, you have to back out what you would have paid for rent
(ii) Don't realize that a home is an amazing tool against inflation, which is why myself and many others have benefited BIGLY.
I put in about $50,000 on my house in 2019, I've saved about $70,000 in rent over those years vs my mortgage, and if I sold my house I'd net $320,000.
So all in I basically made like a 7,000% return in 5 years?
The math is obviously different with current prices and interest rates (renting vs buying is more attractive for sure), but there's still a lot of risk in renting...
(http://www.autoadmit.com/thread.php?thread_id=5522879&forum_id=2#47620139) |
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