/biz/ - Business & Finance

Bullshit. Multi-billion dollar firms keep buying them up and hoarding them while they drive up rents for single-familiy tenants

>>50085786
corporations own less than 1% of SFHs, chud.

>>50085857
it's cute that you believe that

>>50085889
So you're all-in then, right? Since you're so confident

>>50085910
The only thing I'm "all-in" is your dad's asshole

>>50085889
it's cute that you believe an idea which was spread, never with any proof, on reddit originally and then spilled over to here, kek
MUH CORPOS BUYING UP ALL THE REAL ESTATE, UPBOAT THIS!!!11
Zillow did buy some and they're selling it hahaha

>>50086015
Keep believing financial corporate media headlines. You'll go places, trust me

>>50085760
a purple and brown ID thread, cringe.

>>50085760
It's over for boomers

>>50086050
Keep spreading reddit ideas, redditor. Go back there while you're at it.

>>50085760
Sounds like some bullshit. New house building and house inventory over all is way below population and demand levels.

>>50085786
> bwack wock will buy them all
the new tard fed put

>>50086050
why are stocks falling?
aren't corporations going to buy them all up?
oh I guess they'll do that later.

>>50085958
based dadfucker
>>50085857
>>50085910
>>50086015
>>50086119
>>50086155
>>50086186
hey retards, your dad is getting fucked in the asshole

Isnt business insider buzz feed tier now

>>50085889
it's unironically cute that you don't
housing, at the end of the day, is just deteriorating materials on small parcels of land
automation has barely hit the homebuilding industry, but construction 3D printing stands to change this
houses can be made out of a smaller variety of cheaper, more durable, and more easily-maneuverable materials in 48h
while the 3D printed homes market is currently small, the fact that it's already happening and 3D printed construction companies are earning income to seed future projects spells this out

the "housing in cities will remain expensive" argument is correct, but it will gradually be realized that huge cities with less unattractive economic opportunities are mostly a fad; the fact alone that municipalities take on tons of liabilities that wind up incurring maintenance and law enforcement costs that many citizens wanted nothing to do with means that better models which better costs allow to catch on easier are inevitable

through more modular forms of governance, the issue of these costs falling on taxpayers who never wanted to incur them in the first place can be mitigated, if not avoided entirely
roads can be monitored for damage, and the entities responsible for causing it can be billed directly for repairs that originate from repair contract bidding marketplaces, enforcing accountability for using road-damaging vehicles while keeping costs as low as they realistically can be; if costs become too high, perhaps that says something about the economic feasibility of the road in question
using a similar approach, buildings can trustlessly be built, and their demolitions plotted out and funded years in advance

this is to say nothing of the decentralized networking infrastructure that will naturally allow new, modular municipalities to come to existence; this is feasible today with 4G antennas, and the only thing holding it back is the need for software to coordinate user traffic


tl;dr big guys know housing's a bubble

>>50086015
You're a retard. They bought real estate because the stock market and bond markets were both overheated. That's it.

>>50086890
and also doesn't even bring in the demographics argument which is imo the most compelling reason why housing will die. bunch of boomers holding onto shit to rent will be forced to sell to cover their living expenses with inflation and their 401(k)s getting raped and the generations that followed cannot afford these bullshit prices. it's unironically over

No such thing. Every grown adult in this country should own at least two houses.

>>50085857
>corporations own less than 1% of SFHs, chud.

>source: just trust me bro

>>50085760
OOOOH PROPERTY ANONS ARE YOU READY TO SLURP UP SOME CHEAPIES

OH NO NOT CHEAP HOUSING AAAAAAHHHHHHHHHHHH

>>50086890
>houses can be made out of a smaller variety of cheaper, more durable, and more easily-maneuverable materials in 48h
>while the 3D printed homes market is currently small, the fact that it's already happening and 3D printed construction companies are earning income to seed future projects spells this out
where can I read more about the current and future economic viability of 3dprint home startups? I'd been thinking about trying to invest in the sector once jpow signals it's time to buy stonks again, feels like with crypto no longer being sexy and housing shortage looming large in millenial/zoomers' consciousnesses that 3d printed houses could unironically be the next big meme bubble

>>50087256
I've been following this for years. There's not a lot of investment, presumably because margins are low.
I'm only aware of two private companies in the space. One is only interesting in giving the homes to brown people in other countries, and the other has been radio silent for 18 months since they sold their first house in new york.

>>50085786
This narrative sure is getting a lot of mileage. What actual stats and figures is it based on? Do people just repeat it because it's a meme?

>>50085760
this was already a thing in the housing crash of 2008.
nevada and utah had entire planned suburbs abandoned becuase of it.
and utah ended up giving all their empty homes to the homeless.

housing is just getting subsidizied like a few saavy anons alrready said big bois and governments are holding property like diamonds to maintain value.
an apartment in nyc, la, seattle, portland,austin,miami will still be just as expensive.

>>50085889
Yes you’re right, a bunch of finance bros are going to oversee the remodeling of your grandma’s rotting house and turn it into a profitable transaction. Or are you talking about overpriced cardboard McMansions where nothing ever happens and you have to drive 30 minutes to get a bottle of scotch?

>>50085760
>You vil live in ze pod

>>50085786
Firms and funds have a shit ton of liquidity, but even they don't have infinite liquidity. When the system slows they have to tighten their belts like any other business and the will stop buying

>>50087392
>>50087256
Was speaking with an architchet
Most cement houses have issues with leaking and cracks forming
3D like the other poster said has essentially gone silent
I also started looking into CEB and Rammed earth, which india, Hati, and parts of south Africa are building them.
However the real issue is prices. Even with cheaper materials and methods it's still not cheap enough for people to start buying without spending their entire lives paying it off. The average person making 40k~60k/yr is going to be working to pay off a 400k house for a long time to the point we're talking about 45 year mortgages. Everyone I know is ignoring this and willing to just to go along with this mess. But the next generation is screwed unless something drastic happens.
>Grew up expecting if we went to college, got a job. We'd all fall into houses, cars and maybe a vacation/yr or 2
>Instead we get catastrophe after catastrophe, unaffordable cost of living, stagnant wages
An entire generation disillusioned is not a good path to the future

>>50086890
>automation has barely hit the homebuilding industry, but construction 3D printing stands to change this
it's like i've woken up in 2012 where by 2020 there would be no such thing as a truck driver and no one would have a job.

>>50088749
I apologize for the spelling errors it's 2am and my favorite thing to do is rant incoherently about boomers and how screwed millennials are, meanwhile Gen Z is so screwed they've adopted a brand of nihilism so potent I believe they will change what is an acceptable way of life in America.
Millennials are at their oldest in the cohort entering their early 40's. They still don't have the same level of home ownership nor the wealth of boomers. Look at politics, it's old senile farts that still think Russia is some sort of serious threat warranting crashing the economy. "We'll have to deal with gas prices to do our part in Ukraine". No one gaf about Ukraine, we want cheap gas again.
Millennials are super ineffectual and are just waiting to move up. Imagine an entire generations only option to wait for older people to die off to move up?
I hope that gen Z can make tiny homes look cool enough, that we all accept it, or figure out van life is probably better than wage slaving for 45 years to die in a expensive grave.

Bleak fucking future

>>50085760
>too many buyers not enough homes
Well sucks to be you! Welcome to the free market!
>too many homes not enough buyers
NNOOOOOO YOU CAN'T HAVE A HOME PLEASE DO SOMETHING GOVERNMENT!!

>>50085760
cringe, there's no such thing as too many houses when there are so many homeless people in the streets

>>50090388
homelessnes is largely a policy issue
many cities in the world with housing costs just as high have largely "fixed" homelessnes, or at least less homeless than whatever the fuck is happening in LA
It's not just about spending money but about doing it effectively and not like California

>>50085760
https://en.wikipedia.org/wiki/Zelman
B-bros...?

>>50085760
What?? Affordable housing? Ahhh I'm going insane

>>50085786
Kek they stopped buying half way through '21

>>50085760
> one research firm is warning
ignored

>>50088749
The price of an average house has always been between 1/3rd and 2/3rd of average household income per month for 3 decades. That is the fulcrum for all the variables that surround it.

>>50085760
I'm not going to read this whole thread or investigate if there's any truth to this, but if you want to know what this looks like them just read about the housing market in Ireland post 2008.

>>50086890
*sigh*

I've been screaming about this for the past 6 months...Imagine being "the boy who cried wolf"
The wolf always comes....
People forget about that...the wolf always comes...

You have for housing...1) mass death of baby boomers 2) largest record of new housing starts 3) rising interest rates 4) declining nuclear families 5) new gov policies for affordable housing
6) political/financial instability 7) investors using helocs and all sorts of gimmick's on margin/leverage

And the pros?
1) homes only go up memes 2) my job is secure meme 3) it won't happen meme 3) my realtor/brother/father/uncle said it wont meme 4) meming about lowest interest rate ever 5) memeing about a fucking "blogpost" on what COULD happen titled "You will own nothing and be happy"

Imagine reading a blogpost on what COULD happen, with no hard stats verifiable data or credentials...and believing it to be undeniable truth.

>>50085786
>Multi-billion dollar firms keep buying them up

Hahahaha, nonononahhaha

>>50085786
>>50085889
Cope

>>50091778
>Imagine reading a blogpost on what COULD happen, with no hard stats verifiable data or credentials...and believing it to be undeniable truth.
to be fair, that's mostly the entire daily operation of >>>/pol/

>>50085786
based megacorps asserting dominance over their slaves

>>50085760
the whole "housing will crash" narrative is a massive gaslighting campaign to rile up the landless masses into a frenzy of hopium (to prevent them from crying for more affordable housing from the government, which cannot be provided during tight financial conditions) of as the FED (once again), through their subsidiary funds Blackrock™ and Blackstone™, becomes the primary demand component in housing c. 2023 FED pivot.

>>50085857
areg

>>50085857
>>50087426
It's not a meme, big corps are buying up homes, and when they don't buy them smaller investors buy them to rent out, and from there individual investors, at the end of the line in your new couple looking for their first home. This is why it's so competitive. There is always a bigger fish. Let me break it down for you. Big corp > Smaller Corp > Property Investors/Managers > Individual Investors (1 - 4 investment properties) > Wealthy Families looking for 2nd - 3rd home > First time home buyers, single property ownership families.

>>50088800
there will still be jobs; total automation of the construction 3D printing process is a "holy grail" kind of thing, and is probably more than a decade away
3D printing being central to, or merely assisting the process of construction will ease things enough

>>50088749
>leaks and cracks
this is a concern, but not an insurmountable one
change the substrate material to either keep its form better, or to compensate for deformation
if nothing else, seal cracks manually and evaluate crack prediction models

>costs
the technology is very young, and interest in it hasn't caught on until very recently
what's important to costs is that development of this technology isn't halted or controlled by any one force; 3D printing, and real-world interfacing machines that are intended to act trustlessly in general need an open standard, with transparency every step along with way (including documentation on substrate (in this case, cement) composition and machine-estimated properties)
if it doesn't happen with construction 3D printing first, it will eventually happen through innovative companies seeking trust-minimization in their processes, which will grow to encompass construction 3D printing in a more attractive format to new builders

ultimately, most processes will be automated with blockchain and chainlink assistance
in the new world, many will be rendered complacent by the luxury and abundance that this affords them; this will be the new "population control", as well as a means of keeping workforce participation high-quality (idiots need not participate)

even with standardization, the trust-minimization game is a new wild west; it's like tech, but you can have product guarantees up to delivery
government policy will progressively become less and less relevant to most people, because the costs of operating within their policies will be insurmountable and much of society that veered away from them in pursuit of harmless opportunity will look fantastic by comparison

>>50085760
>fed incentivizes monied groups to speculate on property
>they come and flip old shit over and over again thanks to free fed money
>free fed money dries up
>monied groups now want liquidity to dry up in the desperate hopes the values can hold for long enough until free fed money comes back
Pretty transparent to be honest.

>>50085760
BUT YOU GUYS TOLD ME SUPPLY WAS ALWAYS GOING TO BE LOW? FUCK YOU NOW MY ZESTIMATE IS RUINED.

>>50095485
This. The big boys own some but have stopped buying.
Smaller corp and property investors look to have greatly slowed down.
Individual investor or flippers have greatly slowed down. Only buying if they have straight up cash and a good deal.
owner occupant buyers are still there but most have been priced out.

>>50097158
keep coping anon, you'll be a landlord someday

>priced out forever

>>50097302
I'm just shitposting, but I really never want to be a landlord.

Well, yeah. Once the fiat/dollar/debt denominated economy collapses no one will want to live in the U.S.
most will move out assuming they’re still alive after the crisis subsides lol

>>50085958
based

>>50085857
https://www.statista.com/topics/1618/residential-housing-in-the-us/#dossierKeyfigures

https://www.statista.com/topics/5144/single-family-homes-in-the-us/#topicHeader__wrapper

https://www.statista.com/statistics/187576/housing-units-occupied-by-owner-in-the-us-since-1975/

14.4M single family homes rented. 83.5M sfm owned. ~15% of sfm homes are owned by business or small landlords.

>>50086015
Corpos have in fact been buying up residential real estate. It's well publicized starting after the 2008 housing crisis and you would know this if you ever read anything other than 4chan. Lots of homes were foreclosed. Who's even available to buy all those foreclosed homes? The only people with available money to spend is investors and businesses. More recently, I believe the increase in housing being bought by businesses is an attempt to preserve money against inflation since house values inflate.

I wonder how many of those business owned homes are not occupied? If an investor is only intending to hold a few years to avoid inflation, they might not bother setting up a rental company.

>>50086890
Wood is the cheapest material to build out of. The materials that 3d printers use in houses are more expensive but stronger materials.

The rest of this is just fantasy. Huge cities are huge precisely because they have the most attractive economic opportunities. Modular cities are nonsense. When was the last time anyone ever damaged a road specifically?

>>50090388
Actually no because many homeless people are fucked in the head. Even if they were given a home for free, they would wreck it or just wander off from it because they don't like being tied down. The majority of homeless that aren't fucked in the head are illegal immigrants.

>>50098101
>wood is the cheapest material
cost of material isn't everything; it's expensive to keep, expensive to transport, and expensive to work with
larger crews of wage workers employed for longer to load, transport, and deploy materials means higher costs to the company, and ultimately the end-user
concrete is at an advantage, because even in pre-mixing, it conforms to any shape
post-mixing, it's just a homogenous mixture than can travel through hoses, and harden shortly after application
making concrete to a high standard for use is far less difficult than making and maintaining wood to a high standard for the same purpose

>fantasy
everything is fantasy until it's realized
reality helps some fantasies along better than others

>huge cities/most attractive economic opportunities
most of them are fuelled by debt printing
eventually, nature catches up

huge cities aren't inherently unattractive, but they are very complicated to maintain the value of
as their governance becomes complacent and less responsible (chasing higher revenue figures instead of tending to issues that others can identify as fundamental), they become less attractive to value producers

>damaged a road specifically
every time a heavy vehicle drives and vibrates on a road, damage ensues
it's not deliberate, but it's still damage that must be accounted for, if the roadway is not to be depreciated
payment costs, and methods will vary from place to place; some will be less unattractive, and surely, others will be outright palpable
in the end, everyone will save money; identifying the best means of ensuring accountability at the source for every individual, within reason, is going to be a complicated issue to address, but a very rewarding one

the best part about this is that you don't have to see value in any of it, nor must you pay for it; as time progresses, whoever wants to see it happen inevitably will

>>50097906
This is chud science not actual data

>>50098000
So whats stoping people for arsoning or squatting these homes?

>>50085786
Wrong.

>>50085857
This.

>>50098000
>well publicized
You fucking idiot. Hah.

>>50086890
>>50087256
>>50088749
>>50097103
>>50098101
The main issue with 3D printed homes is they are low density homes. Where we need homes is in high density places. A 4 story apartment build with 100 unites on a 2 acre will do a lot more to fix the hosing problem than 8 3D printed homes on the same 2 acre lot.

3D print me a 100 unit apartment.

>>50099347
we cant have high density housing in america for the same reason we can't have robust transportation, walkable cities, and decent health care and social services. Because of niggers. Imagine having a single sheet of drywall being the only thing separating you from whatever the fuck goes in an average nigger household. We literally cannot have anything nice in society because of this problem

>>50099424
Obviously we won't live in them.

The liquidity is still in the system markets are just emotionally depressed and cautious. When the FED lowers rates before EOY the economy explodes again.

>you will remain a renter.
>if housing markets did crash, enjoy your 9% interest rate!

>>50085760
We'll considering the available homes in my neighborhood is 2 versus 30-40 during the pandemic, I think this is a ways off. Nothing is going to hurt my zestimate.

>>50099347
any new construction will never do anything since the price range to rent those is abslutely ludicrous
and nobody would build just to rent cheaply
there is absolutely no shortsge of expensive apartments right now in gor example LA. in fact there are huge amounts sitting empty
same for houses really

>>50099424
I'm glad you posted this, because it illustrates the real reason we can't have those things: people who think we can't have those things because of black people. Every stupid counterproductive socioeconomic policy decision that Americans have been subjected to for the past 175 years has been an attempt to placate implacable racists, the blood and treasure lost in doing so be damned.

It's true that we'll never have those things, because white people will never get to the point of forgiving themselves and quieting their hypertrophic amygdalae long enough to build them and see how nice life is with them, as long as there are black people to blame their despair on. Only in the hypothetical that we're gone and they see that it didn't fix shit will they address the actual issues.

>>50099816
I'm inclined to agree with the other anon. All 3 times I've visited america, I was robbed by a group of blacks. at some point in the trip. The second time they also hurt me pretty bad and stomped on my head for the hell of it after stealing my wallet and watch. I believe it has more to do with culture than race, but black culture is objectively worse than more civilized places.
>but look at the beautiful land and people of detroit!
> of baltimore!
>of chicago!
>of philly!
>of africa!

>>50085760
>Cheap house is bad! You don't want cheap home anon! Repeat it with me!

>>50099281
Ring doorbell cameras

>>50099920
>All 3 times I've visited america, I was robbed by a group of blacks
i've lived in 2 of the cities you mentioned. i've never been mugged. what kind of faggot ass shit were you doing to bring so much fucking attention to yourself as a target?

>>50100005
Setting up captive insurance companies for smaller car dealerships in ghetto areas. Aside from that I only went to restaurants and walked around to explore. Turns out to be a bad idea in a black area but it was completely fine everywhere else.

>>50085760
If you read the article they say this is a problem that is five years off.

>36yo
>finally able to buy a house
>closed april 2022
>20% equity immediately rugged

>>50087062
>the generations that followed cannot afford these bullshit prices.
This is underrated. The simple fact that price support cannot exist where people literally do not have the money to pay the price or rent is the Sword of Damacles dangling over this whole dumbass market.

>>50085760
Heh
Rentchads rise up

>>50100365
But I don't read business insider

>>50086244
You sure do spend a lot of time posting about men's assholes, is this what bagholding does to people?

Homes should not be considered an investment vehicle.

>>50100649
It says that home building is over demand growth which is fine since there is a shortage. But once that shortage is made up builders will need to cut back production. Based on passed experience that process will be far from perfect and there will be a glut of homes but that's a ways off.

>>50085786
Alright champ let's do a thought experiment to check your IQ.
You're managing a 50 billion dollar investment company. Back in 2020 you realized in June that demand for homes was accelerating, and your analysts identified the surge was from sudden liquidity combined a rapid transition to WFH and everyone focusing on improving their home instead of spending on vacations. So you started going heavy into RE, buying properties, doing bare minimum renovations, and renting them out. It's been a lucrative two years but now your analysts are saying people are fed up with being cooped in their home, offices are trying to drag people back in, millennials debtmaxxed hard and many are now at risk of unemployment, and rate increases are sharply decreasing the available buyer pool for homes. Even further, there's a looming recession and daily expenses are causing people who are currently renting your houses to become week to week spenders. Home starts are dead, signalling a coming surplus of inventory. Every indicator says we're entering a retraction Do you:
>a. Pull money out of your already tanked stock portfolio and do an all or nothing double down on housing. Buying the market as it falls, hoping to prop it up with huge amounts of your cash.
>b. start selling a large fraction of your property while it's at an enormous high, putting the money into the mooning bond market and bearish hedges, then dump the remainder when downside velocity picks up to hopefully cause the market to oversell, letting you pick up house at a huge discount.

>>50100117
you must be doing something faggy

>>50100933
This image is from fetish BBC cuckold porn.

>>50100960
People being fed up being at home does not mean they no longer want their home. Neither does working at the office. The sad fact is there's a existing housing shortage that won't be made up for any time soon. There will come a day when housing experiences a glut again and costs come down but that's not happening now. Better luck next time rentoid.

>>50101112
credit availability and cost sets prices

>>50101104
You have Indigo White in your cuckold porn?

>>50101137
I don't masturbate, no.

>>50101136
Costs are up retard and more homes than ever are getting cash deals. Plus supply is major factor in setting costs rentoid. If there are more buyers than homes available the prices go up. Hell people priced out have to compete to find rental units since there's a shortage there too.

>>50101112
People being fed up at home means they spend money on things unrelated to it. The lumber market is dropping like a rock and since building orders are low it's becoming cheaper to build than to buy an existing home.
There is no shortage. That was propaganda used to fuel a hype cycle. Everything in this world is manipulation, except for anonymous 4chan posts, sometimes.
>rentoid
I'm selling my house, a foreclosures purchased in 2016, this month at a 300% profit to rent a double wide. Take profits or hold the bag. I'll buy another foreclosure next year.

>>50101300
>There is no shortage.
This is objectively false rentoid.

>>50085958
uh, chad city? yeah we found a new resident

>>50101335
lol okay, call me whatever you want. Enjoy holding the downside risk while I wait for cheapies. Failing to sell the top is the most common mistake an experienced trader makes.

Not like this, zesties. Not like this.

>>50085760
>too many homes
>most sit empty

>>50091833
one data point does not disprove a statistic

>>50090452
it's more profitable to keep people homeless because we live under capitalism where profit is king.

>>50099920
Well, you're right, but sadly people often mix up "culture" and "race" - because of stereotypes in their normie fucking head. Hating niggers and hating what niggers do is the same thing for majority of people when in reality it's not.

>>50100005
You obviously know where to walk and avoid "bad neighborhoods" which are too often a sight in americans cities

>>50086890
>Bro they are just going to 3d print houses

How to identify someone who hasn't a fucking clue how a house is built. Trades are so difficult to automate that they are probably one of the safest jobs to hold against muh robots.

>>50090452
Having a policy of not giving free housing to deadbeats is not an issue. Changing that policy would be.

>>50085760
I've been searching for houses near my area and roughly 1 house is added per week. Suddenly 11 houses have been listed yesterday and today, I guess people are panicking about the looming recession and want to offload their properties.

>>50102624
That'll never happen. Blackrock will just buy everything and rent it out

>>50085760
Big black rock will buy up the supply

>>50102640
That might be a thing in urban US cities but I live in bumfuck nowhere in the UK

>>50100933
I too want a wife to make me cookies

>>50085760
Brace for the commie block boom.

>>50102690
the realtor tard's Fed put
> bwack wock will buy all my bags
shut up

>>50097906
>>50098000
>>50098101
>>50099151
chudposting at it's finest

>>50099920
1) Doubt
2) No
Crime in America is tied to socioeconomic instability, which is of course related to poverty, housing insecurity, job opportunity, etc. If there's a problem with black culture in the US, it's caused by (again) dumb shit private and public entities did to calm hysterical whites. Blacks had actually recovered to some degree from slavery by the mid-century; they had segregated neighborhoods with functional, if not prosperous, businesses, a growing educated class, etc. There were even travel guides that allowed blacks to avoid white businesses when moving throughout the country.

The Civil Rights Movement was a reaction to white America, having seen this, deciding that the immediate response should be to destroy black neighborhoods as thoroughly as possible and build up white ones on credit. Every major city in the country has a black neighborhood that was razed or cut through to build a highway, by which newly crowned white suburbanites could commute to work from Levittowns that were municipal ticking time bombs, fiscally. The remnants of black neighborhoods were designated as ineligible for gov't subsidized house building/improvement loans, and the occupants ineligible for free education through the GI Bill. Blacks were fun with "separate but equal" until it became clear that equality would never be allowed, even if it arose organically.

This is just assuming that modern black culture is inferior to yeehaw Bumfucksville, Flyover State opioid-and-tax-evasion parties. America forced black people to integrate by literally burning and bulldozing their efforts to live with dignity while segregated. Remember, white people deported the black guy who tried to convince everyone to go back to Africa. Y'all did this shit to yourselves.

>>50102871
I want my wife to make me cookies. Then I'll grab her and fuck her viciously. When I'm done we eat cookies.

>>50103770
I should also expand on the role of integration in this. Simply, America can-kicked on it until there was a massive wealth gap between black and white families. Earlier integration with a mainstream US that was mostly rural and poor as shit might have worked better, but by the time it was really rolling in the 70s, you were dealing with two populations that were very different in terms of their removal from their agrarian forebears (usually one generation or less for blacks and two or three + possibly immigration for whites). And, again, the successful blacks had been run out of town by jealous whites, if not immediately preceding the CRM, than sometime between 1915 and 1935 (so, recent in the collective memory).

>>50103770
god damn just shut the fuck up already. yea im sure the reason africa is a shit hole is because socio-economic factors, and the reason europe is amazing is because theyre just racist and they steal all the wealth.

nothing to do with iq, genetics, temprement, theres no difference between races, etc.

jesus you retards just need to accept reality and stop being simps for the jews

>>50099816
>Reddit spacing
You have so many lessons ahead of you my very naive friend.

>>50085786
This cope never accounts for the millions of vaxx dead

>>50102420
One cope post is not a statistic

>>50104421
Your new faggness is showing again

>>50097103
If only you could see what was a decade away.

>>50103770
you typed all this but didn't refute the idea that black people suck shit, just blamed it on wypipo lol. anyone without agency in the matter doesn't give an ounce of shit about the why

>>50104552
Cope and dilate zoomer faggot.

>>50104653
>>50104421
>someone makes something readable
>calls then a name
Fuck off you are a new fag

>>50104436
vazzers dying off or not. The world population is projected to decline.
https://nationalpost.com/news/world-population-forecasted-to-decline-for-the-first-time-in-centuries-study-says

>>50085760
Kek building a home is still double the price it was 3 years ago, and land is still 50% more expensive nationwide. Prices aren't going to drop.

House prices in bumfuck nowhere will stop increasing at this point since the panic rush is over.

>>50104384
>yea im sure the reason africa is a shit hole is because socio-economic factors, and the reason europe is amazing is because theyre just racist and they steal all the wealth.
Literally yes. France is insolvent without postcolonial debt payments, the EU goes belly-up without France. ...Frankly they might go belly-up anyway rofl
>>50104421
It's for readability, since I know I'm speaking with 8th graders. Look, I even included some PSAT words.

>>50085857
>corporations own less than 1% of SFHs
prove it

>>50104733
Been here since 2006 kys nigger.

>>50104795
You were born in 2006

when buy?

>>50104628
>you typed all this but didn't refute the idea that black people suck shit
Yes, that was not my rhetorical angle. The other option is pointing out white American atrocities that are a greater stain on civilization than sagging pants and/or the parallels between what both populations seem to value (money, women, material goods, church, glock ownership), but I was giving you the benefit of the doubt in hopes of appealing to... I dunno, whatever part of your soul is left I guess. Catching Flyovers with Honey Boo Boo episodes or whatever.
>anyone without agency in the matter doesn't give an ounce of shit about the why
I'm telling you, you do have agency. Be chill. Stop falling for the wedges.

>>50099281
gasoline prices

>>50104809
Keep projecting zoom zoom

>>50099816
Freedom of association. Feel free to create your multiculti melting pot in the designated area, but let others be free to live without niggers in their areas. What's the problem? The fact you want to impose your beliefs on others is the problem. I grew up around blacks and I don't want to live around them or have my kids grow up around them. What's the problem? Why can't you just leave me be?

>>50104842
It depends...
>The FED will get cold feet with raising rates to prevent a massive recession
BUY now

>The FED will raise rates to 15%~20% and create a massive recession
wait 2 years

>The FED will try the worst of the two a only raise rates to 7%~8%
buy in the next 6 to 12 months.

>>50104926
>all post are short insults
>and everyone else is a zoomer nigger
I see what is going on here

>>50104881
while i do appreciate how well-spoken you are, i have personally lived around blacks long enough to have formed my own opinions.

here's my question to you: why should i care? why should i care about WHY black people are the way they are? regardless of whether socioeconomic circumstances led to their culture favoring a penchant for crime, utter disregard for public areas, aggressive negativity and generally extremely short fuses, or whether a genetic predisposition led to this, the fact that my and my family's standard of living decreases around black people remains the same.

i do recognize that socioeconomic issues have strongly contributed to a lot of different classes of people having a shitty lot in life, and i have experienced this myself being a pajeet living in america, but none of the "why" changes the fact that black people are insufferable to live around.

so going back to your first post, where you replied to a guy saying that high density housing is impossible because of blacks: the guy you replied to isn't wrong. regardless of why black communities become the way they are, they ARE that way and no amount of hand wringing is going to change that

>>50105125
He thinks if you accept his version of the why (which is wrong) you will forgive their bad behavior and accept your demise (if you're white) as payback in order to fix some perceived injustice in the past.
However, you are correct. The why doesn't even matter... Mostly. You see the reason why his version of the why matters is because it allows his people to keep acting in a negative way. They are justified, after all, right?
There is a reason you don't see chinks or pajeets going down the same road; they don't try to excuse the present by painting a picture of the past in their heads that gives them a justification to chimp out. These other races are thinking about the future, so they are not as bad to be around as niggers.
With that said, I do think there is something to be said about preserving true diversity by allowing each race to live separately instead of mixing everything.

>>50104755
retard, France is insolvent in 2022 after mass immigration and jewish debt enslavement. This still doesn't explain how Europe became such and advanced civilisation and africa was and still is a shit hole. pilpul is showing kike

>>50105256
see i do partially agree with his version of the why. socioeconomic restrictions have screwed lots of poeple over, but that's not my problem and i'm not going to let my family's standard of living deteriorate to fix a problem i had no part in creating. my ancestors were starving under british rule in india while slavery and the after-effects were alive in the US kek.

>You see the reason why his version of the why matters is because it allows his people to keep acting in a negative way
this is exactly why i dislike the idea of needing to build a narrative to show causation when correlation is enough for most people to make decisions, it's so often abused way to manipulate people into feeling guilty for your own benefit.

>>50085857
You vill rent to your lords the BBR (Big Black Rock) und you vill be happy

>>50105408
>see i do partially agree with his version of the why
i also partially agree with his version of the why but as i stated earlier, the why doesn't matter. black people are fucking awful and that's all there is to it and it's up to them to meet everyone else at the societal standard that most ethnicities seem to meet without sacrificing their unique cultural background

>>50105462
A nation of renters would the bad for Land lords and Property owners. Renters you become a massive voting block to pander to. In fact that's probably why they're pushing it.

>>50105408
>socioeconomic restrictions
>my ancestors were starving
It's a bullshit narrative they use to excuse their present behavior. You said it yourself, your ancestors were down starving, the chinks were getting blown up in the railroads and what? You see those groups being like "X happened 100 years ago so fuck you I'm just going to chimp out forever"? No.

Not only that but slavery and its consequences were a netpositive for these people. If there was never any contact they would still be in the stone age over there, they cheated thousands of years of human evolution because whites gave them the cheat codes. And what do they do? They chimp out and complain it's not their fault that their actions in the present are their responsibility. Did you see the French or whatever just revert like this and blame Italians for everything the Romans did? No.
Ultimately it doesn't even matter. Colonization was a positive for the colonized peoples but who cares. I don't care about the why.

>>50105408
your ancestors had too many fucking children and all survived because of modern British medicine ranjeet. You expect the British to bankrupt themselves to save a bunch of curryniggers that popped out too many kids too soon?
The only reason why the after-effects are alive today is because Lincoln got assassinated before he could repatriate them back to Africa.

>>50085857
>celebrates people not being able to afford homes
>says chud
you're such an asshole

I have no problem with landlords. I have a problem with government and big corporations purposely letting more immigrants in the country to drive up demand and restrict houses being built at the same time. It is complete bullshit.

>>50099816
Go live in a ghetto then. I have when I was broke was okay for awhile. Got robbed at gun point. I didnt wake up one day and think to myself oh man i hate niggers. Sure some are fine most people are sub100 IQ to. When dealing with individuals its fine. When dealing with policy and on a grander scale, city, neighborhoods, its different. Do your mental gymnastics I dont care. Wont change the reality. Their culture is completelty fucked. White people cant fix it and blaming us for it wont fix it either. Kys nigger.

What are Mortgage Backed Securities?
What is an Asset Auction?
Why did the Fed slurp-slurp-slurp them up in 2008?
Why was there no bid at the Asset Auction when the DTCC said that MBS for collateral was worth $0.
All of it.

It's 40% of the housing supply.

Even houses turned into a shitcoin.

Also, I got range banned for 3 days on all devices. Can't fud the chud.

>>50086890
holy shit enough with the words

>>50088749
>makes about $50k a year
>thinks he can afford a $400k house
>and hes complaining
Nigga just buy a smaller house lmao

>>50106900
The issue is inflation. $50k Just a 3 years ago would get you a house in know hippie-tech-bro areas. Now home prices are stupid