>he pays rent

[Anonymous No.13073588]

reminder youre a /totalfuckingretard/ if you have a job, arent in school, and are paying rent

youre literally throwing money away. you will NEVER see that money ever again. its gone. poof

buy a fucking home or condo you dumb mother fucker
>my credit is bad
well pay your bills faggot. repair your credit. use google.

have a 580 FICO score? congrats, you can get >pic related for LESS than rent

>I'm still paying alot of money for a place to live
great news, bucko, youll see 90% of that money back when you sell
>muh down payment
USDA loans require ZERO down
FHA loans require 3.5% down
its fucking nothing.

literally the only people who are paying rent are
1) unaware
2) pussies scared of loans
3) burn outs who cant save money
4) pussies just really really scared to get a loan

get a loan, faggot. the only thing more jewish than debt is signing a lease so your landlord can fuck you for rent and you NEVER see a dime of that money EVER again

[Anonymous No.13073635]

pic related

Brandon Florida.

30 mins away from the beach.
huwhite city.
right outside Tampa Bay
literally every city except californian has suburbs where you can find cheap condos. and this one is fucking cheap

youre a fucking idiot for paying rent

[Anonymous No.13073712]

>>13073635
great. now do this except within two hours of a city on the west coast. also, we had this same fucking thread a few days ago and you guys BTFO. stop making these threads

[Anonymous No.13073722]

>>13073588
>not understanding that job is single greatest investment you can do if you are poor

[Anonymous No.13073741]

>>13073588
>please buy my house bags I'm scared the market will tank soon

[Anonymous No.13073755]

>>13073635
It's not always in someone's best interest to buy. Interest rates are high as fuck and you'd be retarded to only put down the minimum and get boned for 30 years of indentured servitude at a 5%+ interest rate. Especially now when everything is overpriced. I'm a proponent of buying, but the circumstances have to be right It's like any other investment. That being said I just had this conversation with a friend yesterday who wants to buy and he sent me a listing of a house in Brandon (he's moving to the TB area), so this is a really weird coincidence for me

[Anonymous No.13073772]

>>13073755
>Interest rates are high as fuck

Hello child. Please look at a graph of interest rates before 2008 and realize how historically false this observation is.

[Anonymous No.13073774]

>>13073635
1 bed 1 bath. You can get a 4 bed 2 bath in Ohio for under 100k.

[Anonymous No.13073808]

>>13073588
The optimal way to buy if you have money to invest is lowest monthly payment so you can invest extra, or stay safe in case you lose your job, which means you shouldn't pay a house until you retire.
Buying is only better if you want to leave a house for your kids, but having a good stack of cash is equally good.
Renting is actually better than buying if you can get a discount compared to the lowest loan price, because you can save and invest more in the market.

I don't know why you're shilling this retarded shit but if you pay me I can shill it too

[Anonymous No.13073818]

>>13073755
lol this response

hey fuckhead, youre getting boned with 100% interest rates from rent.
>muh unstable market
its a cheap condo dude. youll lose a 10,000 in equity MAX which will recover in 5 years MAX.

i dont understand people like you. your logic is flawed. thats all there is. you use "paying interest" as a negative when the alternative is paying even greater "interest". its not an argument.

[Anonymous No.13073833]

>>13073808
>buying is only better if you want to leave a house for your kids
im 90% sure youre black
also your logic is retarded.
the ENTIRE point of buying instead of renting is to build equity instead of farting your money into the wind like rentcucks do

[Anonymous No.13073856]

>>13073712
>on the west coast
lulz, fuck that part of the country, you people did it to yourselves. dont like it? move. sorry your socialism tax is fucking you up the ass

[Anonymous No.13073891]

Based anon OP. I love your threads. I posted about me buying a 1000sq foot house in a “sketch neighborhood” and how I made it in life due to that decision.

These idiots will never get it. Selling 1 of my 2 rentals right now, got an offer for roughly 80k more than what’s owed. Gonna use the proceeds to pay off the house I live in (brand new build, reinforced brick that we purchased for 235 5 years ago and is now worth well over 300k).

[Anonymous No.13073978]

>>13073772
I didn’t say compared to when. They’ve climbed the last 10 years so that would have been the optimal time to buy. Meanwhile I’m ok with waiting because you’d be crazy think we’re going to get up to 6-7+ and actually average that for over 15 years like we did decades ago. We live in a different time. Btw I own a home myself, 4.25% interest and am still looking to sell because I live in one of the highest property tax areas in the country. I will likely rent for a bit unless I can get the same sort of interest rate in the next state over where I hope to move to

>>13073818
The condo you posted is 1 bed 1 bath for 75k? I live in a 3 bed 2 bath house so I’m not moving into some little shithole like that. Especially if I can wait a year or 2 and get another house or REAL condo 30-40k cheaper, because believe me there will plenty more supply in that time. I already see people everywhere around me trying to dump their bags on idiots like you.

Fucking owner shills are trying to come at me, a fucking home owner, like I don’t understand the pros and cons. I’ve clearly stated i am FOR it, but it’s not for everyone because of economic situations. Go peddle your wares elsewhere you dumb boomer fuck

[Anonymous No.13074022]

>>13073978
Does your mommy cut off the crust on your sandwiches?

The ladies must be impressed you live with parents.

The second I made enough to move out I was fucking out. I was 22.

[Anonymous No.13074057]

>>13074022
Lol based shills. Doesn’t come back with actual arguments but attacks me for living with my parents when I clearly just stated I own my own home. You guys are slipping

[Anonymous No.13074070]

>>13073588

The absolute state of housing debt bagholders

I'll buy after the 90% drop thanks

[Anonymous No.13074075]

>>13073588
I'm not buying your real estate bags boomer

[Anonymous No.13074087]

>paying rent
>taking out loans
Or

You can marry a QT smart Asian and live at her parents home while saving every nickel and dime you get. After 2 years of saving my money, you have easy 150k cash.

Loans are a way for the jew to get you. I know who is behind this thread

[Anonymous No.13074093]

>>13073588
some of us dont have a choice

[Anonymous No.13074094]

>>13073635
Sarasota Florida fag here
you're retarded.

[Anonymous No.13074107]

>>13074087
>thinks the asians like his gaywhite ass

[Anonymous No.13074131]

>>13073588
YES GOYIM GET A LOAN

[Anonymous No.13074152]

>>13074087
The trick is to take out loans through FHA and occupy 35% of the unit for the year. Then you let tenants pay it off for you while you live at your parents.

[Anonymous No.13074154]

>>13073588
>20% interest over
>10 years minimum, 20y more likely
Yeah, I'm not borrowing money unless I can pay at least half the amount upfront, even if that 20% gets eaten by inflation it's still usury.

[Anonymous No.13074175]

>>13073588
>youll see 90% of that money back when you sell
Closer to 40% but still good.

[Anonymous No.13074190]

If you are actually good at budgeting and putting your money to work then you won't even need to build a good cuck credit score to buy a house. Credit cards are for literal brainlets who don't know any better.

[Anonymous No.13074225]

>>13074190
Ya ok. Show me your account with 150k + to buy a house?

O you want to connect utilities with no credit... huge deposit

O, insurance, shit credit.... higher rates

How old are you guys who think you can actually live decent without good credit. Pro-tip... you can’t.

[Anonymous No.13074226]

>check if your housing market is overvalued before you fuck your self for the next 30 years please.
When you buy you suscept yourself to risk.
The current market is incredibly high risk.

[Anonymous No.13074233]

>>13073588
are banks this fucking desperate right now? posting on this shit tier image board to convince a bunch of neets to buy into a dying and statistically terrible market? youre not going to convince this generation to invest in anything you touch because history shows u fuck over everyone. i cant wait to make enough to pay off my parents mortgage and get them out of debt slavery because they bought into the fucking meme you promised them before they were able to figure out they would be absolutely cucked in their elderly years. enjoy your dying market. next to no one will buy your shitty house

[Anonymous No.13074247]

Do your own research. This should help you though. Unless you live in Chicago, don’t buy.

[Anonymous No.13074250]

Fuck the FHA shitposter is back again. Call me when average homes in my city arent $500k and condos $250k

[Anonymous No.13074272]

>>13074022

My total cost of living is 250 a month and I make good money. Your move debtcuck.

[Anonymous No.13074282]

>>13074225

400 litecoin, cry blood next year

[Anonymous No.13074305]

>>13074225
I live in Europe so none of that American retarded bullshit applies here. We live very well without cuck credit scores because we understand that if we can't afford it then we shouldn't have it. We just make an exception to buy houses though but with good budgeting and compound investing, I won't need to become a debt slave like you

[Anonymous No.13074309]

>>13074225
i still live with my parents lmao.

thinking about renting a house out but too lazy to fix it or deal with shitty people who are stupid enough to rent a house.

[Anonymous No.13074327]

>>13073755
are you retarded?

A $150,000 mortgage is locked in so your payment will be like $900 a month for the next 30 years

Good luck finding anyplace to rent for $900 ten years from now or more. Mortgage locks in your rent

[Anonymous No.13074359]

>>13074107
Imagine actually having brown skin LMAO

[Anonymous No.13074371]

>>13073588
ausfag here, 2017 buyers are well into 5 figure negatives, 2016 have lost all of their money, mainstream sentiment is cope so we should only be sitting at denial phase. Rent is literally cheaper than the interest on these rapidly depreciating leveraged assets, this rate of collapse is literally flushing a years worth of repayments away every month. OP mentality is why this happens.

[Anonymous No.13074502]

>>13073588
tfw live in Australia

[Anonymous No.13074515]

>>13074154
says the guy who literally pays 100% interest on rent hahahaaha kill yourself retard

[Anonymous No.13074546]

>>13074327
Yea now add property taxes, utilities, cost of upkeep, repairs, etc. Can easily come out to 1300 or more a month and that’s not if you get some freak high cost repair. And that’s if you live somewhere with lower property taxes. I’m in a place where they’re high as fuck and can easily make your payment 1500 or more

[Anonymous No.13074568]

>>13074247
Chicago fucks you over in usurious property taxes

[Anonymous No.13074569]

OP here, home from work

there has been 0, i repeat, ZERO rebuttal from rentcucks about why their decision to rent is a better idea.

you retards are literally making bullshit excuses about interest rates WHEN YOU PAY 100% INTEREST ON RENT hahahahaha.

if you own a 2 bedroom condo and the market crashes, youre going to lose 10,000 in equity MAX, literally less than the amount you blow on rent in 2 years

the results are in: everyone who rents is not only a cut for his landlord but a /completeandtotalfuckingretard/

[Anonymous No.13074602]

>>13074569
talk to me in 20 years when you cant get out of debt and are stuck with a bunch of useless properties...oh did i mention you will be fucking old and tired and half retarded? only a cuck puts themselves in a situation where they have to wait 20 years for any sort of reward. if there is one...enjoy the carrot you have dangled in front of your own face that you will never be able to eat. fucking dumb cunt

[Anonymous No.13074608]

>>13074569
>t. Boomer bagholder praying to God he can break even on his crashing boomerbox "investment".

Not going to buy a house in a city I will only be working in for a couple years, stupid old faggot. I will never, I repeat: NEVER buy your cardboard and plastic box for a 200% markup.

[Anonymous No.13074645]

>>13074546
This is kind of silly too because property taxes are figured into a mortgage payment and you're looking at maybe a $50 increase a year...$6 a month. Plus, landlords will also be increasing your rent due to property taxes as well. you're going to be paying utilities in an apartment too. Maintenance is figured into the rent of a rental property as well. You don't think you're actually beating the landlord at his own game, do you?

Historically rent increases by a little more than 30 percent every decade. So if rent is 900 now, then you're going to be paying around $1200/month a month rent in 2029, and about 2000/month 30 years from now for the same property.

The only argument against buying are you you are completely convinced the housing market will flat line, which isn't likely since the last housing crash put in so many fail safes it's unlikely. Plus, those people that held for the 3-4 years of the housing crash are back in the green.

[Anonymous No.13074680]

>>13073856
>fuck that part of the country
>the west coast

can't wait to take financial advice from another southern belle mongoloid who's never been anywhere or seen anything

[Anonymous No.13074687]

at a startup and fresh graduate, can't risk it yet. Plan on doing it if/when things become stable

[Anonymous No.13074690]

>>13074645
I mean it just depends where you live as far as the property taxes go. I live in kiked Illinois so a regular 250k house, even a 150-200k condo will likely pay around 4-5k easy, half million dollar house are looking at over 10k. It’s absurd. Which is why I’ve been saying yea I’m all for buying as long as you have the means, can get a good rate, and don’t live in such a Jew state where you pay 500 a month just to live on your land sans mortgage

[Anonymous No.13074766]

>>13074680
>west coast
>finances
lmao California has the most debt ever and depends of more Federal dollars than anyone. Their primary investment is illegals for the sake of begging for federal dollars. Their "bullet train" spent its $40,000,000,000 then canceled the project but somehow had already spent the 40 billion without building the bullet train. Not to mention the entire area is unlivable because of housing markets propped up with tax-funded illegal housing and Chinese investors treating their resident's housing market like a savings account. The West Coast is an example of the government getting involved in the market at every level and absolutely obliterating the future of any regular working sane human.

[Anonymous No.13074810]

Your still paying rent if you “own” a house.
It’s called property tax.

[Anonymous No.13074842]

>>13074690
what sucks is that even places that used to be cheaper like the midwest are starting to get expensive too and it makes me feel like people should buy sooner than later because they'll get priced out like what happened in portland over the last several years

[Anonymous No.13074858]

>>13074810
My property tax average across 3 homes is about 3k per year. It’s nothing. You’re paying your landlords property tax when you rent idiot.

[Anonymous No.13074898]

>>13074602
youre literally talking to me as you throw money out the fucking window. atleast I'll see some of my money back dipfuck.

you know what happens when I decide to move? I sell my place and get a nice 5 figure check. you know what you do? you look at your stale, stagnant bank account and try to figure out how much you can afford in rent and go sign another lease to do it all over again hahahahaha

in 10 years I'll have enough to put 20% down on a nice 3 bedroom, in 10 years you won't have fuckall. why? because you're a dumb pussy. plain and simple. your parents were probably dumb irresponsible niggers who had their home repossessed and you developed some weird grudge against loans because youre po'dunk parents couldn't stop blaming the bank for their bad choices. unironically kill yourself. stupid people have too many kids and youre legit fucking retarded

[Anonymous No.13074901]

>>13074858
>my property tax is X therefore you should have no problem buying a house
you realise each state has their own set of property and income tax laws, right idiot?

[Anonymous No.13074946]

>>13074858
>3 homes
>3k in property taxes
In my state that means each house costs an average of $66,000 so they'd have to be ghetto shacks.

[Anonymous No.13074983]

>>13074898
> in 10 year
> in 20 year

lmao, yeah when your life is over you'll be have a house n shit lmao.

[Anonymous No.13074985]

>make $180k/year
>was paying almost $3k/m in rent for a 2 bed apartment
>cucklord wants to raise it another $100
>straw that broke the camels back
>now pay $1100/m mortgage for 4 bed house
>could pay off the $200k mortgage right now but investments pay 2-3x what my interest rate is

FUCK renting

[Anonymous No.13075031]

>>13074983
>objective is to not have 10 or 20 years pass
Goodluck my dude.

[Anonymous No.13075042]

>>13073588
just lol @ retard boomer math.

[Anonymous No.13075071]

>>13073588

>no landowner
>fix my own shit
>make my own rules

I enjoy owning a home.

[Anonymous No.13075082]

>>13074946
2 are worth the 180-200 range my homestead which I get an exemption for is worth over 300k

I pay 3k for each house. Orange County Florida aka Orlando. No state income tax either.

People lol you are paying my mortgage+property tax in my 2 rentals and I’m earning about 900usd a month in passive income.

[Anonymous No.13075169]

>>13074983
lmao and when your life is ok over you'll have absolutely fucking nothing lmao.

nice nigger logic, retard

[Anonymous No.13075190]

you're right, renting is stupid

that's why I make $89,000 per year and live with my parents

[Anonymous No.13075254]

>>13075190
Do you guys not like fucking ransoms? Smoking a bowl on the couch watching porn? Having parties. I don’t understand would want to live with their parents when they have means not to.

If you don’t have a few good fun loose party years in life your missing out. You honestly are.

[Anonymous No.13075280]

>>13074898
loans are for people who suck with money. guess what? in 10 years ill have a house and i wont need a loan to do it. and renting will give me a temporary roof over my head until i can...you've heard that "milenialls arent buying houses". not entirely true. milenialls arent buying shit they cant afford prematurely. they'll have houses, just later in life and for much cheaper and no debt to speak of. alot can happen in 10 years...i could lose my job...but right now if i lose my job, i wont have to go bankrupt. enjoy your copious amounts of debt while u can...nothing lasts forever faggot

[Anonymous No.13075291]

>>13074680
>living at mommy's that just so happens to be on the west coast implies you're cultured

dude, suck on a shotgun. you're so god damn stupid it hurts.

[Anonymous No.13075306]

>>13074985
what investments anon?

[Anonymous No.13075316]

>>13075254
I have parties at home, I smoke pot at home, I don't watch porn, but I do take girls home all the time and fuck them. My dad actually goes away when I take them home to let me fuck in peace. I live in a big house, mom left long ago.

tell me, why would I take on stress to work "for a home" as if I care about fitting in with the retard society that goes renting or takes on loans that gets them stuck in wage slavery for years to come. I can do whatever I want whenever I want. lmao.

[Anonymous No.13075351]

>>13075280
hey dipfuck, lemme break it down for you because youre still not getting it.

I decide to get a loan and live in condo
I pay 600 a month on a mortgage instead of 800 in rent
in 5 years I decide I want to get a house
I sell condo and get a nice fat check to put down on a house. yay


YOU pay 800 bucks on rent for 5 years
which comes out to $48,000 (completely wasted)

YOU put down less than half down on a house because you dont develop equity in a fucking apartment

YOU therefore have a higher mortgage than I do

so get fucked brainlet. youre a fucking retard I hope you understand now

[Anonymous No.13075360]

>>13075280
>i could lose my job

lmfao yeah you could also lose your job while under a leasing agreement.
>losing your job and not getting another one for months
found your problem, youre a degenerate nigger.

[Anonymous No.13075390]

>>13075360
Worst case scenero, you move out, rent it out and stay somewhere cheaper for the duration or an 8 month lease

[Anonymous No.13075422]

>>13073635
>being able to see right into the toilet
Terrible Feng Shui, awful

[Anonymous No.13075425]

>>13075351
let me break it down for you

i pay 550/month in rent
0/month in renovations and repairs
0/month in property tax
0/month on insurance
0/month on interest
make 100k a year.

do the math, my house will be cheaper than yours but just as good if not better and ill have 0 debt

[Anonymous No.13075438]

>>13075360
>implying im under a lease agreement

[Anonymous No.13075443]

>>13075316
>I do take girls home all the time and fuck them
lmao written like a true virgin

[Anonymous No.13075461]

>>13075425
you are currently in debt by having a lease you fucking retard

and I live in the fucking sticks. if youre paying 550 a month for rent youre living in some ghetto shithole that was built in the fucking 70s.

but I'll one up you. in that same po'dunk shithole you can get a condo for 500/month and that is including all taxes, fees, and interest

best part? IM BUILDING EQUITY while you piss away 550 bucks a month hahahaha

just get rekt you dumb nigger bitch.

[Anonymous No.13075472]

>>13073635
>HOA, $200 a month
>$75k
it's that cheap because it's the niggest part of Brandon
https://www.neighborhoodscout.com/fl/brandon/crime
samefag loan kike always making these threads, finding the cheapest houses in nigger infested areas.

When I buy a home, I'm going to build it myself in a rural area for $20k. You can do it for $10k, but I want it a little bit bigger.

[Anonymous No.13075476]

>>13073588
ITT seething boomer cant sell his over valued cardboard play houses and is now scared of the coming retail market crash

[Anonymous No.13075508]

>>13075461
>once again imlying im on a lease
>implying i live in a shithole
i have a backyard, two bedrooms one bathroom and a basement. did i mention a driveway?

keep trying faggot

[Anonymous No.13075531]

>>13074515
Oh, I will buy a house, I want my own place to take care of properly, just not with a loan from your beloved bank, you fucking jew. Renting is a necessary compromise and was helpful in getting started with a job. Fuck paying 90k on a 75k house just because everyone needs their cut. I do not tolerate it. I'd rather give the extra directly to the previous owner over time. Fuck Google and fuck the captcha. Fuck jews niggers and trannies. Fuck janitors. Most importantly, fuck (you).

[Anonymous No.13075555]

>>13075461
in the condo you're going to be paying $150 a month in HOA fees. i don't think you pay property taxes, but still 150 vs 550 isn't amazing.

also negotiating on the offer can be variance where you lose 10% on the house, you're going to pay 3%-6% on real estate agents, on a $100k house that's up to 6000, or 10 months of rent you're shitting down the drain.
Are you going to spend a month learning home inspection or pay $500 for one to make sure they're not giving you something that will require unknown repairs after the sale?

Unless you're set on staying in that condo for at least 5 years the extra hassles don't make it worth it.

[Anonymous No.13075580]

everyone itt both sides of the argument is extremely petty and butthurt and it makes me realize how much this board sucks and how pathetic, small and miserable each individual user on here is

carry on lads

[Anonymous No.13075588]

>>13073635
>Brandon Florida
Disgusting
If you want huwhite come to Chad South Tampa

[Anonymous No.13075608]

>>13074094
>Sarasota fag
I swear, sarasota girls at FSU are a fucking cult. and literally every single one of them is in KD or tri delt.

t. fsu student

[Anonymous No.13075629]

>>13075508
pics of 2 story, 2 bedroom house that you rent for 550 a month lmao. oh I'm laughing, it must be so fucking shit.

>atleast i have my driveway *fights back suicidal thoughts*

yeah, and I have my equity, nigger. in 5 years only one of us is going to have that nice fat check and it aint gonna be the guy renting

[Anonymous No.13075647]

>>13075629
so how much did you pay the real estate agent? the inspector? title fee? escrow? city transfer taxes?

[Anonymous No.13075660]

>>13075531
>fuck paying 90k for a 75k house
>literally pays 60 grand over the course of 5 years in rent and will never see that money again
lmao how do you not see how fucking stupid you are

"hello sir, would you like for me to put a portion of your rent in a piggy bank for you and I'll give it to you when you sell?"
"nah, thats jewish"

[Anonymous No.13075672]

>>13075555
stopped reading after the first block of text

not all condos have an HOW
you still pay property tax

its obvious youre a dumbass teenager
get fukt, BLOCKED

[Anonymous No.13075688]

>>13073635
I lived in Brandon with the same exact living room, kitchen, bathroom layout. Rented though. $75000? Not worth the price.

[Anonymous No.13075695]

>>13075660
>pays $12k in HOA fees,
>pays $10k in closing fees
>housing market gonna crash when the boomers all sell, lose 33% of value in 5 years
>60k vs 42k
woah master saver right here
>>13075672
that's factually wrong, you're projecting and it's obvious you've never owned anything more than a tricycle, is why you're dodging my real estate questions.

[Anonymous No.13075696]

there's so much dumb bullshit involved with owning. property tax, maintenance, raped in taxes and commission fees when selling, why deal with this

[Anonymous No.13075698]

>>13075629
kek like id post where i live on a fucking anime shit board. no its not a house its a duplex retard, are u fucking jealous anon? keep coping you fucking absolute shitstain, enjoy getting cucked by the bank.

[Anonymous No.13075720]

>>13075580
imacentrist.jpg>>13075647
>real estate agent
lmao ZERO dollars
inspector and all utility fees: $300
escrow is figured into the mortgage you fucking idiot and its like 50 bucks a month

[Anonymous No.13075735]

>>13075698
enjoy getting cucked by your landlord

ZERO EQUITY

[Anonymous No.13075751]

>>13075720
98% of homes for sale are done with agents, so I doubt that. inspector cost you one month of rent. total closing fees?
so you're putting $50 a month down the drain too? doesn't sound like a good deal.

[Anonymous No.13075778]

>>13075751
i have 2 family members who are realtors and one who owns a real estate company umad?

are you going to sit here and argue with me that throwing 20k away over the course of 5 years is worse than throwing 50k away in rent? really dipshit? are ya? because i think you are. i think youre just a schizophrenic fucking retard who hates money and hates banks

[Anonymous No.13075866]

>>13075778
you seem very upset, it can't possibly be buyers remorse...
so you agree with my numbers? because you're being awfully quiet about how much you paid

[Gun control is for pussies No.13075883]

>>13073588
I dont have a car, good credit and live some where with expensive houses.
Fuck you with I could buy land.

[Anonymous No.13075934]

>>13075883
Move faggot.

[Gun control is for pussies No.13075961]

>>13075169
>lmao and when your life is ok over you'll have absolutely fucking nothing lmao.
You sound really butt hurt, boomer.
I'd rather buy land and own it outright.

[Anonymous No.13075964]

>>13075254
>Do you guys not like fucking ransoms?
no

>Smoking a bowl on the couch watching porn?
no

>Having parties
no

better yet you attempt to justify:
>interest
>property tax
>insurance
>HOA
>utilities
>appliances
>furnishing
>maintenance
with sleeping around and doing drugs

[Gun control is for pussies No.13075970]

>>13075254
>don’t understand would want to live with their parents when they have means not to.
I dont understand how a grown ass adult cant fuck up sentences.

[Anonymous No.13075988]

>>13073635
>Go on Zillow to see what's in my area because of this thread
>Look around
>Find a cheap house, it's 200k
>Look at the price history
>Apparently some boomer bought it in the 80s for 35k

I hate this world we live in

[Gun control is for pussies No.13075999]

>>13075351
>decide to get a loan and live in condo
Alright we get it, you're super cool.
Go back to your wage cuck job and brag there.

[Gun control is for pussies No.13076008]

>>13075461
>just get rekt you dumb nigger bitch.
All your posts really reak of ass burn.

[Anonymous No.13076012]

>>13073588
Unless you're buying with cash, you're not buying a house. You're renting money instead of renting an apartment.

[Gun control is for pussies No.13076021]

>>13075580
I agree, I'd rather just buy like three acres and live in a tent.

[Anonymous No.13076033]

>>13073588
I could jack off to that ass

[Gun control is for pussies No.13076038]

>>13075934
>Move faggot.
>I don't have a car.
Great reading skills.

[Anonymous No.13076040]

>>13075696
>there's so much dumb bullshit involved with owning. property tax, maintenance, raped in taxes and commission fees when selling, why deal with this

You pay the property tax as part of your rent, what landlord is going to eat that? The only difference is if you pay the property tax you can deduct it. Maintenance yes, you need to maintain shit, but because it's your property you live in you'll do a decent job and won't be a cheap fuck like your landlord will - whatever he spends he'll up your rent for.

You can avoid all commissions and fees when you sell anon. You're also implying you don't have to deal with this bullshit when you leave a rental - like trying to get your deposit back, inspections, etc etc.

[Gun control is for pussies No.13076063]

>>13076040
>like trying to get your deposit back, inspections, etc etc.
My land lord does it month by month and I didnt have to do a deposit.

[Anonymous No.13076066]

>>13075866
and youre trying to make this about me personally because you got brain-mogged in rent vs borrow. stay retarded, retard I cant wait to see you cry more and more because I refuse to play in the mud with a retarded piece of shit loser like yourself

[Anonymous No.13076077]

>>13075961
so basically
>you'd rather piss money away on rent instead of saving your money via equity

got it. idiot

[Anonymous No.13076080]

>>13073635
im a mover in the tampa bay area and there is a reason those houses/condos are so cheap outside of tampa, because the areas are fucking garbage, filled with junkies, mexicans, and niggers...

[Anonymous No.13076087]

>>13075988
If the house was purchased in 1980 for $35k and sold in 2019 at $200k that's a CAGR of 4.57%, or 1.33% after inflation, which jives with the historical rate of return on real estate

that house did worse than both stocks and bonds

[Anonymous No.13076091]

>>13073635
also, everything is pretty far apart. have fun driving 20 minutes to get to a corner store.

[Anonymous No.13076106]

>>13075588
All the real Chads live in St. Pete and fuck the USF college pussy

[Anonymous No.13076107]

>>13076066
you're the one who can't go 5 words without saying retard. it's pretty obvious you're just here to brag your mommy bought you a house and did the closing for you. no one cares, there are lots of trust fundies on biz

[Anonymous No.13076119]

>>13076087
housecucks BTFO as usual

[Anonymous No.13076120]

>>13075425

this.

>>13075351

condo fag's risk meter is broken.

as always, things always go right with debt when they always go right.

which they never do.

[Anonymous No.13076131]

>>13073774
The state of Ohio is an opioid addicted rust belt shithole though. Literally nothing going on out there.

[Anonymous No.13076138]

>>13076107
>oh shit I'm getting totally BTFO
>better deflect
>but how, I'm retarded
>fuck it, I'll focus on his verbiage

[Anonymous No.13076143]

>>13076106
>USFSP
>good pussy
Looks like someone didn't spend four years in tallanasty
shame

[Anonymous No.13076169]

>>13076120
now thats some reddit spacing

[Anonymous No.13076171]

>>13074898
I rent and collect 5 figure checks every quarter from dividends, in 10 years you will have a plywood shack that you pay tax on and I'll be retired but with 6 figure checks instead of 5 every quarter

lmao poorfags

[Anonymous No.13076189]

>>13074225
>poorfag housecucks think 150k cash is a lot of money

[Anonymous No.13076198]

>>13076143
>tfw too intelligent to be a Nole
>tfw Gator master race

[Anonymous No.13076222]

>>13074087
Also do what women do, wait till she inherits all her daddy's money and take 50% of the chinks wealth. Why else would you marry a yellow?

[Anonymous No.13076226]

>>13076171
>justifying wasting money just because you have it
wow thats a bold move cottonpicker, lets see if it pays off

[Anonymous No.13076238]

>>13076226
>calling somebody a cottonpicker when you are in debt to a bank

poorfags

get back on the field they need their next interest payment

[Anonymous No.13076239]

fyi: a clear indicator for the retarded NEETS who live with mom and dad is them believing renting is CHEAPER than a mortgage

newflash fucktards, a decent 1000 square foot condo is going to be several hundreds less than your rent

[Anonymous No.13076246]

>>13076238
im in debt to a bank
youre in debt to your landlord

difference is I pay into equity
you pay into whatever the fuck your landlord wants to buy this month LOL cuck

[Anonymous No.13076268]

>>13076169

more like oldfag spacing. nobody called it reddit spacing ten years ago bitch.

[Anonymous No.13076271]

>>13076246
>being so poor rent takes up a large part of your income

poorfags lmao, stop giving financial advice you are not qualified

[Anonymous No.13076293]

>>13073588
FICO score kek amerifags at finest

[Anonymous No.13076294]

>>13076271
>still justifying wasting money. youre poor and stupid irl and its probably why youre on this board as much as you are

[Anonymous No.13076299]

>>13076246
if your monthly payment is less than rent, it means you're on a 15-30 year mortage. at the end of a 30 year mortgage you end up paying a total of 300% of the house value for it.
Also if you don't own 51% of your house and something goes wrong the bank takes it ALL, and you end up with nothing.
not to mention you still haven't disclosed your total closing costs. Is it because you didn't read the fine print?
you're bragging about overpaying for your house by 3x.

[Anonymous No.13076301]

>>13076198
solid anon, solid.
but tallahassee is more fun than gainesville and that is a fact

[Anonymous No.13076321]

>>13076301
UCF shits on everyone when it comes to thots you brainlets

[Anonymous No.13076337]

>>13076321
Kek UCF is filled with the losers who didn’t want to leave central Florida. It isn’t even close to FSU.

[Anonymous No.13076350]

>>13076299
wrong

30 year mortgage for 120k @ 3.9% interest you will pay 1.3 times the initial loan

nice try though dipfuck, got any more bullshit you wanna fling my way?

and how much are you getting back paying rent after 5 years? answer this one simple question. cmon, you can do it

[Anonymous No.13076372]

>>13076299
closing costs are less than 5% of the loan.

how mad are you right now?

[Anonymous No.13076376]

>>13073588
hi boomer property shill. houses are falling in my country, so im going to ride it out and buy your cheap arse bags in a few years time

[Anonymous No.13076377]

>>13076294
Low IQ poorfag doesn't understand opportunity cost and compound interest. I can rent an entire house for $1500/month that would cost at least $2000/month in mortgage + related housing expenses. Take the $500/month savings and invest it for 10% return and you have $1.1 million in 30 years, add in another $500/month savings from not living like a retard and now you have $2.2 million in 30 years. Let's say you have $100,000 in cash at age 30 from not wasting money on real estate nuisances like realtor fees, taxes, insurance, interest, utilities, maintenance, ect. Now you have $3.9 million in 30 years, let's say you start saving the $500/month at age 20, even without no 100k in cash saved, now you have 40 years of compounding that gives you $2.9 million dollars. Meanwhile you are stuck with a 30 year old plywood shack lmao. Let's say you have a good job and can save 2k a month by age, now you have $4.3 million. The only reason to buy a house is if you want a house, acting like it's some great financial decision is retarded and a sign of severe poorfagism

[Anonymous No.13076385]

>>13076337
FSU is objectively the worst choice of any florida schools

UF has ugly girls but at least it has academics
UCF is all around trash but had like 2 hot girls for every nerdy guy back in my day
Miami has cute latinxs and is in a real city
FSU has shit academics, shit girls, and has a higher percentage of negros than even the bad parts of miami

anything but FSU

[Anonymous No.13076388]

>>13076372
why would I be mad? are you 12 years old? if I agreed with you I could just go buy a condo tomorrow .
even if your interest rate is that low, that's 100k paid in interest over the loan, which is worse than renting. I already said in this thread I plan on building my own home when the time comes. and it's going to cost about $20k.

[Anonymous No.13076441]

>>13076377
>I can rent an entire house for $1500/month that would cost at least $2000/month in mortgage + related housing expenses
wrong, link related. escrow, fees, everything included youre looking at 1,300 a month

i just debunked your entire fucking post dipfuck

youre not saving money by renting. thats what you dumb fucks dont understand

inb4 you criticize the location of the house, I'll find you similar in all the contiguous US (minus cali) that are near major cities

https://www.zillow.com/homedetails/25-Chatel-Dr-Little-Rock-AR-72223/35736717_zpid/

[Anonymous No.13076446]

>>13076377
There are non-NPC benefits to ownership that aren't usually mentioned

for one a paid off primary residence eliminates a major life expense, allowing you to live on less and be financially independent
second a decent state has homestead protections that will exempt the value of your home in a bankruptcy but more importantly a lawsuit
third an entire house provides a lot of utility an apartment never would, and nowhere on the planet will someone rent you a house for $1500 when it costs them $2000, $1500 is probably closer to what a 2BR luxury apartment costs for you

[Anonymous No.13076451]

sooo I'm guessing threads like these mean it's time to sell your house

[Anonymous No.13076458]

>>13073588
I live with a friend in his apartment and he doesn't make me pay anything. My monthly living expenses are literally just a couple hundred dollars for food and that's it.

[Anonymous No.13076459]

>>13076388
>100k paid in interest is worse than renting
>I'm paying 4% interest
>youre paying 100% interest by renting

you really are completely fucking stupid. arent you? im done discussing this with you. its clear youre some dumbass minority who is mentally incapable to grasp what i am saying

[Anonymous No.13076465]

>>13076385
>shit academics
wrong
>shit girls
way wrong
>higher percentage of negros than even the bad parts of miami

>implying literally any of us ever go south of the tracks or north of tennessee
FSU is a bubble anon. If you've ever spent any time in Tallahassee, you'd know this. blacks are sequestered to FAMU and frenchtown, and never fuck with us.

I'd prefer Miami to Florida though, and who needs academic prowess when you can just get your first job through /frat connections/

Florida's campus is absolute shit and Gainesville is objectively a terrible college town. Tallahassee SHITS on gainesville. UCF's campus looks like a strip mall, whereas FSU's campus is beautiful. FSU's greek life, even after all the shit, is still the best in the state.

I wouldn't trade this school for anywhere else

[Anonymous No.13076473]

>>13076459
dude you just spent 1 years worth of rent on closing costs... you shouldn't be calling anyone stupid.

[Anonymous No.13076476]

>>13076473
dude you just spent one years of rent on..... oh wait. RENT. kill yourself

[Anonymous No.13076478]

>>13076451
probably

[Anonymous No.13076479]

>>13076441
>links to house that hasn't increased in price for 10 years and lost massive amounts of equity relative to inflation and the graph starts at 2010 the bottom of the housing bubble so no doubt it lost MUCH more

holy shit the state of housecucks, I didn't even bother to read the rest of your post

[Anonymous No.13076488]

>>13076479
>pays rent and will never see any of that money again
dude, get rekt. youre a fucking moron like half the ppl ITT.

[Anonymous No.13076492]

>>13076476
you don't get closing costs back lol. you wasted an entire's worth, so if you can't even move within the next 5 years minimum to get your money's worth.
you literally paid people to sign documents of your indentured servitude.

[Anonymous No.13076495]

>>13076465
take your compsci degree and shove it up your ass you faggot just like your brothers did to you in tallynasty

[Anonymous No.13076515]

>>13076495
im a finance major, why the fuck would I have a compsci degree

[Anonymous No.13076519]

>>13076492
and you dont get rent back, bucko. if I live in my house for a single year, I'm already better off than you. nobody buys their first house just to sell it a couple years later. so, once again, get fucked

tell me how much of that rent you'll see back in 5 years LOLOLOL

[Anonymous No.13076552]

>>13076519
> if I live in my house for a single year, I'm already better off than you.
nope. that's just your minimum fucked cost. Your closing costs don't pay anything towards the house. Now you just have a loan paying interest, not principal.
If i wanted a loan like you I could just take a personal loan without paying closing costs

[Anonymous No.13076565]

>>13076492
you know whats really awesome? im literally going to make homebuying a bitter moment for you. youre going to realize (probably are realizing right now) how fucking retarded you are and "how that guy on the internet" really was right. i want you to remember this when you eventually do go and apply for that loan, you god damn nigger. I want you to remember that the guy who called you a nigger was right all along.

[Anonymous No.13076576]

>>13076552
>he thinks you pay interest first on a loan
hahahaha no dumb fuck, not everyone was a fucking retard like your parents

closing costs were less than 3 grand

[Anonymous No.13076595]

This is why everyone should live with their parents until they can make a downpayment on a house.

[Anonymous No.13076606]

>>13076565
i did the math forwards and backwards years ago when I had enough for a down payment. I realized it's retarded in every way. The cheapest house in my area is $125k. If I bought it it'd be in an area I don't want to live, and it would limit my career opportunities. Buying a house locks you into an area so you can't jump ship for raises. and obviously not everyone's mom is a real estate agent, so that's another 3% you're not adding in.

[Anonymous No.13076616]

>>13076119
doesn't really account for leverage though. If i can put 5,000 down on a 100K house, and it doubles to 200K over 10 years, I've made a shitload of money. harder to do with stocks.

[Anonymous No.13076627]

>>13076606
bingo

that is literally the only downfall of having buying a house. you finally found a negative of home ownership after 3 hours of being a total fucking idiot. congratu-fucking-lations.

[Anonymous No.13076649]

>>13076627
you didn't buy a house, you took a loan. you're still paying that "lost money" into the loan.
$277 a month is going towards interest.
$200 HOA (there's no such thing as a condo without an HOA lmao)
$10 a month, for 30 years to pay for the closing costs.
another $10 a month for 30 years if you used an agent.
congrats, you're still paying near $550 a month and now have no mobility.

[Anonymous No.13076686]

>>13076616
the point of that post is that the house will not double over 10 years
in a real estate market where you can buy a house for $100,000 you'd be lucky to get 1% real annualized, so in 10 years it'd be around $115,000, subract out selling costs and the likelihood of beating interest and taxes becomes very unlikely
why do you think they allow people to leverage so much with a house in the first place

[Anonymous No.13076715]

>>13076649
ok retard I guess I have to break this down for you again

lets use round numbers for simplicity
$1000 mortgage
-200 HOA fee
-300 for escrow interest and "fees"
thats 500 going towards the principle. thats 500 dollars in equity

now take you, the rentcuck
you pay 1000 in rent
-1000 in rent
oh shit would you look at that, youre saving ZERO PERCENT OF YOUR MONEY IN EQUITY

AND THE PLACE YOUR LIVING IS FUCKING SHITTIER THAN MY PLACE

[Anonymous No.13076745]

>>13076715
$1000 mortgage you said it was only $120k home? are you larping about buying? no wonder you won't answer anything. that $24k downpayment you paid on your house I put into investments 3 years ago and is now worth 3x as much.
$48k is much more than the $18k equity you've earned on your house in the meantime

[Anonymous No.13076765]

>>13076745
"lets use round numbers for simplicity"

"$1000 mortgage you said it was only $120k home?"

kill yourself

USDA loans require ZERO down

[Anonymous No.13076778]

>>13076765
ok so either you're a farmer or in a place where there are NO JOBS. are you really trying to argue everyone should just have a real estate family and live on a farm to get a $10k benefit over 30 years?

[Anonymous No.13076790]

>>13076778
97% of the US is eligible for USDA loans
FHA loans require only 3.5% down

youre trying so hard its hilarious

[Anonymous No.13076870]

>>13076790
uhhh... i just checked the map, yeah you have to live at least 50 miles away from any decent jobs in my area, more like 75. yeah 97% of the land mass in USA has almost no population or whatever BS statistic you're pushing.

[Anonymous No.13076919]

>>13076870
>in my area
oh poor you

want to dive into the FHA loan then? 3.5% down totally debunks your whole notion that someone has to put $25k down on a house and would be better off investing it elsewhere

or are you just going to continue to ignore that one fact that wrecks your argument?

dude, youre through.

[Anonymous No.13076925]

why op care about other people not buying houses?

[Anonymous No.13076941]

>>13076919
you can look at the map yourself, obviously you never have. any population center in USA with jobs is ineligible. you'd know that if you had a job. Small down payments also mean larger interest totals paid over time. Loans aren't free money. and you still have to pay mortgage insurance on less than 20% down payment. more money "down the drain" that you're not counting.

[Anonymous No.13076944]

>>13076515
Which year? What do you expect to do out of college?

[Anonymous No.13076966]

The stress is killing me guys. I have about 2 months, maybe three before I'm kicked out of my parents. I literally have to go rent something. The worst thing is I'm really attached to my pet bird. Can't take him with me.

What do I do? I'm in full blown mental collapse.

[Anonymous No.13076989]

>>13076966
apply for neet bux, you sound autistic enough.

[Anonymous No.13077096]

>>13076941
FHA loan on 130k @ 4.5% interest 659/month

mortgage insurance= 1.75% of loan= $2,275 paid when you get the loan for a total of $8,125 due at signing. thats money down the drain

one year of rent for an apartment near the city: $9,600. money down the drain

5 years rent: $48,000 down the drain
5 years equity: $17,880

I'll make a one time payment of $8,125 in order to not only NOT throw $48,000 away but in fact save $17,880 bucks while paying my "rent"

essentially I'm turning $8,125 into $65,880 in 5 years by buying a house instead of renting. thats an 800% return ROI.

once again, get rekt rentcuck

[Anonymous No.13077181]

Real estate isn't a foolproof investment shithead, especially for literal zero down niggers.
For instance a lot of young couples start a mortgage and after a few years break up and have to sell and find out they have no equity in their home and they just spent a few years handing their mortgage payments over to the banks for nothing.
Stay at home, save a LARGE deposit, then buy a cheap investment property and rent it out.
Don't leave home until it is paid off.
Now you are financially independent.
Unlike Jamal who made this thread who is a fucking idiot.

[Anonymous No.13077185]

>>13077096
5 years from now (maximum) I'll have enough to buy a house outright, and not a shitty one built in 1920 or packed condo so I can afford it.
crypto is at a buying point, so I'd much rather have $8k in bitcoin than it in a lenders pocket.

have fun trying to offload your cardboard hut for more than you got it for then.

[Anonymous No.13077208]

>>13074680
The US could not boast its power and wealth without california. KYS

[Anonymous No.13077221]

>>13075588
Basedboy here
Thank you for tip
will be moving my whole onions family there
BTW kys

[Anonymous No.13077239]

>>13077185
This
Bitcoin may well be in a bear market for another 2 years,worst case scenario.
But when the bull run starts it will be there for at least a year with 500%+ gains. Keep buying until price is over 5k. You will be able to buy a nice house upfront.

[Anonymous No.13077266]

What if I want to move abroad in a few years?

[Anonymous No.13077290]

Mort means death
Gage means pledge

Im good OP I enjoy my freedom. Maybe study law instead? Have fun dude.

[Anonymous No.13077325]

>>13074247
Ontario here, made it big on weed stonks now I'm just biding my time waiting for a housing market collapse so I can make my move. Taking in a fuckload of immigrants each year puts massive buying pressure on, if that ever stops the price will freefall it will be time to celebrate with a new house and start having kids

[Anonymous No.13077340]

>>13077185
whoa cool an anecdotal account. are you trying to be retarded?

this isnt about you or I, thats what you cant wrap your brain around because youre a child.

[Anonymous No.13077358]

>>13077208
>guy is defending California
>a retarded Californian appears and its brain is too retarded to understand the post and attacks his ally
fucking LOL Californians are so fucking stupid

[Anonymous No.13077377]

>>13077181
>for example:(proceeds to give hypothetical anecdotal scenario)

>literally live at home until youre 35 and have paid off a shitty "investment property" that will have shitty tenants and will net 500 bucks a month max

wow great idea you dumb fucking teenager

[Anonymous No.13077433]

>>13076565
You're the fucking best man...
Thanks for teaching me something.

[Anonymous No.13077440]

Fuck paying full price go find your states real estate auctions for properties that havent had their taxes paid. My next door neighbors house is on the auction for something like 5000 and its a 3 bed 2 bath. Now dont be fucking stupid and actually go to auction for the place you want, but go offer the homeowner a fire sale deal and pay the taxes off. You'll make sweet money on the flip if you do it right

[Anonymous No.13077490]

>>13073833
Equity means liability you stupid goy

[Anonymous No.13077497]

>>13073635
How are the HOA fees tho?

[Anonymous No.13077535]

>>13077490
no, equity is the value of your liabilities you fucking retard

this is by far the dumbest board on 4chan

[Anonymous No.13077552]

>>13077535
The value of you liability tanks in a bubble bust and becomes negative ;)

[Anonymous No.13077560]

>>13077358
this guy gets it. thanks for being on the right side of history

[Anonymous No.13077564]

>He doesn't live in a van

You're doomed. Get fucked residence cucks.

[Anonymous No.13077571]

Take a finance class you dumbfuck. Rent makes sense in a lot of situations. The beginning of your mortgage payments all go to interest, so if you sell it soon after, you were pretty much paying expensive rent

[Anonymous No.13077625]

>>13077571
other than the ones stated in the OP, wanting to move, and living in NYC/commiefornia, give me one reason (reason, not retarded hypotheticals) renting is better than borrowing

[Anonymous No.13077724]

>>13075082
>and I’m earning about 900usd a month in passive income

Kek, poorfag

[Anonymous No.13077728]

>>13073755
>interest rates are high
>he doesn't know how to make loan interest payment tax deductible
>he rather pay 5 times the monthly interest as rent, which is litteraly interest on real estate

I guesss you actually enjoy poverty

[Anonymous No.13077777]

>>13073635
I bet you pay $500/mo in HOA retard

[Anonymous No.13077792]

Usury is haram, sorry.

[Anonymous No.13077804]

this thread is still going.

[Anonymous No.13077806]

>>13077777
what a waste

[Anonymous No.13077821]

>>13073588
>>13073635
fucking hell property prices is so cheap in america

[Anonymous No.13077823]

>>13077777
What a fucking waste
END your life at once

[Anonymous No.13077841]

>>13073755
5% plus interested rate? Srly? Fucking US is the jew heaven. Here in europe you easily get 1%-2% rate on a mortgage.

[Anonymous No.13077927]

>>13077777
Same guy here on my phone, forgot to say LINK $1k eoy

[Anonymous No.13077970]

slide thread

[Anonymous No.13078435]

>>13076119
>Not taking into account the wasted rent and the leverage of mortgage over time.

[Anonymous No.13078655]

>shitting out a heap of cash and getting into dept
Vs
>taking minor loss every month and hoarding your real actual money rather than some vague maybe-money-eventually
A decent, well paying job is all you need. Relax, op. Don't take life so seriously.

[Anonymous No.13078867]

>>13073588
>mfw I rent my 2 spare rooms out and it covers all my housing costs + $300 a month.

Thank you rentcucks!

[Anonymous No.13079014]

>>13073588
What if you pay less in rent vs just the interest in a loan? I live in ausfag land and as housing prices are coming down the capital gains wont cover this.

You also have maintenance costs that a land lord that would otherwise cover and also lose the ability to easily move for better jobs so there is a potential opportunity cost there.

OP is a brainlet

[Anonymous No.13079139]

>>13077821
It’s literally a cardboard box lol

[Anonymous No.13079312]

>>13073635
>buy house in florida
>get fucked by hurricane
sure mate

[Anonymous No.13079436]

>>13074152
This.

[Anonymous No.13079533]

>>13074680

[Anonymous No.13079570]

>>13073635
Imagine being that low of an IQ to buy estate in a high risk flood zone.

[Anonymous No.13079687]

>>13078655
>$5,000
>a heap of cash
>$40,000 loss over 5 years
>taking a minor loss
renters are so fucking stupid its absolutely ridiculous.... no wonder they rent!

[Anonymous No.13079704]

>>13074247
more like, dont buy in these cities, besides chicago

[Anonymous No.13079706]

>>13073635
Living in a condo is as bad as living in an apartment. Imagine thinking you're a genius because you "bought" an apartment.

[Anonymous No.13079716]

>>13073588
Live in Norway. Have to pay 15% up front, and can not borrow more than 5 gross annual incomes max, plus have to be able to service the loan even if interest goes up to 7%. All homes magically start at over 5 annual incomes.

[Anonymous No.13079737]

>>13079687
I think you're looking at money in the wrong way, dude. Anything and everything will look expensive if you add it up over several years.

[Anonymous No.13079739]

>>13073588
this makes more sense if you have tenants paying the mortgage for you
get a duplex and live in one side while the other side is paying your mortgage

[Anonymous No.13079746]

>>13079706
imagine choosing the not build equity and instead just throw away 100% of your money
imagine paying MORE to live in a SHITTIER apartment

thats exactly what you rent cucks are doing LULZ

[Anonymous No.13079755]

>>13079737
are you 10?

rent: you get ZERO back in equity.
borrow: you get ~50% back in EQUITY
when you move out in 5 years, goodbye $40,000
when I sell in 5 years, hello $20,000

[Anonymous No.13079771]

>>13079755
Equity this, equity that, dude, get a life and loosen up already, sheesh. If you want a house, just buy one and get on with it.

[Anonymous No.13079776]

>>13073588
Boomer detected. Enjoy your bubble burst fag

[Anonymous No.13079779]

>>13076385
>UF has ugly girls but at least it has academics
Correct.
>UCF is all around trash but had like 2 hot girls for every nerdy guy back in my day
FTM Ratio is absurd in UCF. UCF has a good Engineering program, so dont worry about getting laid.
>Miami has cute latinxs and is in a real city
UM has cute girls but walk anywhere outside of campus and they turn into goblinas.
>FSU has shit academics, shit girls, and has a higher percentage of negros than even the bad parts of miami
Correct.
>anything but FSU
>anything but FSU
>anything but FSU
t. floridafag

[Anonymous No.13079814]

>>13077325
it will not stop like you think it will, your country is going down and there will be nothing left to buy. if you already have money then buy some god forsaken land and prepare for collapse. all the city folk will starve out.

[Anonymous No.13079817]

>>13079746
>He doesn't travel the world making money online and just lives in one place his whole life
Not gonna make it

[Anonymous No.13080011]

>>13079771
kys retard

[Anonymous No.13080071]

>>13080011
Eeeeyaouch. Stuck up much?

[Anonymous No.13080155]

>>13074569
I value my time very highly. I can be in work in 15 minutes by bike and I can walk to every shop I need. Its a safe neighbourhood.

If I was to buy in the same area it would cost me at a minimum €350k for a SHIT house. I don't want to live in a shit hole where my girlfriend doesn't feel safe and which makes me feel like shit to live in and come home to every day. I also don't want to waste 15-50 hours a month on extra commuting time, plus the need then to buy a car etc. It doesn't make sense for me to buy at this time.

I appreciate why people buy houses but I will not be doing that for a considerable time.

[Anonymous No.13080173]

>>13074569
>you retards are literally making bullshit excuses about interest rates WHEN YOU PAY 100% INTEREST ON RENT hahahahaha.
There are you cunt. We dont all live in USA. In Switzerland it's not worth buying.

[Anonymous No.13080185]

>>13073588
Bullshit. You post me evidence of anyone, ever, getting a loan for let's say even $30k low end with a 580 FICO, unless they put 50% down and take an ass-raping of an interest rate. You dip under 700, no one gives you a mortgage, and that's why people like you have trouble selling houses. Nice try, though.

[Anonymous No.13080190]

>>13076966
You can take the bird to the apartment as long as it's not noisy as fuck.

[Anonymous No.13080196]

>>13073635
Um, I'm from the Tampa area. Trust me, Brandon ain't a "white city."

[Anonymous No.13080231]

Been looking for an inexpensive condo within about 45 mins. of Albuquerque. Just a 1/1 crash pad for when I visit, maybe $50k. Trust me, they don't fucking exist.
You'd think an area with a fuckton of surrounding desert and cheap land would have some satellite suburban condos, but nope - it's 1980's era singlewides and crappy ranch houses.

[Anonymous No.13080233]

>>13074247
>tfw paying rent in Hongcouver

[Anonymous No.13080241]

>>13080185
>the absolute state of rentcucks
http://lmgtfy.com/?q=fha+loan+requirements

they cant even use a simple tool like Google. fucking retards. all of them

[Anonymous No.13080308]

>>13080231
well no shit retard, who the fuck sells real-estate for 50 grand?

once again, THE ABSOLUTE STATE OF RENT KEKS.

its like they all have some sort of mental deficiency

[Anonymous No.13080361]

>>13074858
Tax is $300 per month on a $200,000 home in my state. Add in interest, repairs, maintenance. All of that is $ down the drain, same as rent.

I currently rent a 1 bedroom for $430 in Lakewood which is one of the nicest areas near Cleveland

[Anonymous No.13080362]

>>13080308
Fuck why do I have to live in Jew York where that would literally cost a million dollars. Sometimes I'm tempted to buy property in another state just to rent it out but not sure how that works or if it's worth it.

[Anonymous No.13080364]

I'm living with my parents until I have enough to buy a house in full with no loan. Fuck ya'll niggas.

[Anonymous No.13080369]

>>13080361

[Anonymous No.13080390]

>>13073588
This thread. Holy shit boomers are getting desperate.

[Anonymous No.13080446]

>>13080362
Plenty of new yorkers play the role of absentee landlord to afford their lifestyle choices
>t. live in eastern PA

[Anonymous No.13080458]

>>13080390
-said the rentcuck

the 1st is coming up. do you have your $800 ready for your landlord? hahahahahaha

[Anonymous No.13080498]

>>13080308
Now try it for 98125, find me a house cheaper than my $1300 rent

[Anonymous No.13080508]

>>13080446
Being a landlord would already be a lot of responsibilities. Add being far away makes me worried that if things go wrong, it's going to be a nightmare to have to go distant just to fix things.

[Anonymous No.13080510]

>>13080498
>commiefornia
sorry you are knowingly fucking yourself by living there, not my fault youre retarded

[Anonymous No.13080522]

>>13073588
Condos are a scam

[Anonymous No.13080526]

>>13080369
> Moving to OH next week
> Planning to buy after 6 months in Franklin county
> See this
._.

[Anonymous No.13080548]

>>13080522
Explain

[Anonymous No.13080549]

>>13080522
said the guy who literally pays more for a shittier apartment and never sees any of that money ever again


does anyone know why rentcucks are retarded? anyone?

[Anonymous No.13080554]

>>13080549
He is coping. Don't fall for the obvious troll.

[Anonymous No.13080558]

>>13073588
>Buy a home
You will literally never see that money again. It will all go into upkeep and you will sell it for just enough to where you might come out as badly as if you rented (if you're lucky). You also can't move whenever you want.

So fuck that.

[Anonymous No.13080635]

>>13080558
>youll never see any of that money again
well first off, youre wrong and second off, what the fuck do you think happens to your money everytime you pay rent?
>you also cant move whenever you want
seems like you dont have a very stable life. and youre retarded. wow, what a coincidence.

so far every rent cuck is legitimately a fucking retard ITT and has gotten BTFO

[Anonymous No.13080645]

>>13080510
>he doesn't know how zip codes work
Good luck with those interest payments kid

[Anonymous No.13080646]

>>13080508
Its good that you actually have your tenants in mind, unlike some who let their properties decay into shitshacks and then lose them after not paying taxes for 10 years
I would like to get into it in the future
>save enough to buy and restore a starter home in full
>gradually increase /diy/ skills (plumbing, electrical, masonry) while stashing $ away
>take time to find good tenants
>use the profits to invest in doing the same with another house
>keep an eye out for a good handyman and a freelance contractor
The intent would be to gradually build up a system that runs itself and benefits all involved
If I had good, faithful tenants for a certain amount of time I would absolutely give them a good deal and some path to own the home they live in

Are auctions the best bet?

[Anonymous No.13080679]

>>13080645
>interest payment
is a rentcuck and is paying literally 100% interest
once again, the retard displays his retardation

[Anonymous No.13080681]

paying rent is for rich people, basically.

[Anonymous No.13080717]

>>13080458
Do you have your $300 tax money ready?

Oh and the city called and you are going to have to remove that dead tree in your yard for $3,000

Oops! Hot water tank died. $1200 please!

[Anonymous No.13080731]

>>13080681
Tfw too poor to have the luxury of renting

Stuck in this shitty house that I have to maintain myself

Virgin homeowner vs chad renter

[Anonymous No.13080784]

>>13080679
>paying $1300 a month is actually worse than paying $2500 a month
cool! Tell me more

[Anonymous No.13080790]

>>13080717
>$300 """"tax money""""
>costing $3,000 to remove a tree
>$1,200 water heater

>being this retarded

[Anonymous No.13080799]

>>13080679
My $400 rent payment is less than your interest and tax payment

You got cucked

[Anonymous No.13080813]

>>13080790

[Anonymous No.13080824]

>>13080784
>he thinks paying rent is cheaper than paying a mortgage
hahahahaha holy fuck renters are so god damn retarded

yes tell me more about how you paying a landlord who pays a mortgage is somehow going to rent to you for less than their mortgage hahaha god damn renters are so fucking retarded

[Anonymous No.13080831]

>>13079755
Housing is 30% more to buy in my area.
$1k to rent vs $1.5k for mortgage+taxes+maintenance+condo fees on a 270k property. (won't find a condo with a lower price without an equivalent monthly cost by increased condo fees)

5% down payment + mortgage insurance = $23k
tax on mortgage insurance, land transfer tax, title insurance, home inspection fees, etc = 5k

after 5 years of buying you've spent 118k. You paid 31k in principal. 87k down the drain.

after 5 years of renting you've spent 60k, all of it down the drain. In that time you invested that extra $500/month. Assuming 8% returns from historical index fund performance, you gained 38k.

End result:
renting for 5 years you end up with -22k
buying for 5 years you end up -87k

You would be relying on the condo to increase in value ~4.5% every year to break even, and those condo fees will only go up, and any special assessment would wipe you out.
All that extra headache and risk and propping up the real estate industry, just to rely on appreciation to break even, why bother?

[Anonymous No.13080845]

>>13080799
if youre paying $400 a month for rent you are living in section 8 housing in a the epitome of a shithole crime infested neighborhood or living with other people which is equally as bad

a bunch of rentcucks living together, imagine the smell....

[Anonymous No.13080883]

>>13080831
>$1k to rent vs $1.5k for mortgage+taxes+maintenance+condo fees on a 270k
ok im going to stop you right there. show me the place where youre paying $1k for rent and then show me the $270k property youre talking about

pro-tip: you won't

[Anonymous No.13080884]

>>13080845
Nice try it’s a small 1 bedroom duplex in a nice clean suburb (93% white)

It’s small but I’m a minimalist and don’t like to own junk

Saving so much money!!

[Anonymous No.13080901]

>>13080884
slave arent white

[Anonymous No.13080902]

>>13080883
Sure the expensive house is nicer, but it’s not worth the extra money

[Anonymous No.13080912]

>>13080901
*slavs

and youre lying.

[Anonymous No.13080941]

>>13080902
no fucking shit its nicer

>heh, look at me saving all this money in my shitty 1 bedroom while these millionaires squander away thousands in mortgage payments and property taxes heh

the absolute state of rentcucks. you morons never cease to amaze me.

a condo that is similar in square footage, location, and quality is going to be SEVERAL HUNDRED DOLLARS LESS than your apartment that you see ZERO money back on.

tell me more about how literally throwing away money is better than building equity, you dumb fucking idiot

[Anonymous No.13080979]

>>13080941
But your greentext is true

The huge house is nice at first but you get used to it quickly and it just becomes any other living space. Sure it’s cool to show it off to friends and family, but not worth the expense

[Anonymous No.13080994]

>>13080883
Take any condo in this area, this is the one I picked randomly for my calculations https://www.realtor.ca/real-estate/20085915/1-bedroom-condo-303-318-spruce-street-waterloo
Not much rental listings, most don't usually don't come up until the summer. Here's a similar place you can rent for under 1k though:
https://www.padmapper.com/apartments/34437557/studio-1-bath-apartment-at-812-king-st-w-kitchener-on-n2g-1e9

[Anonymous No.13080999]

>>13080979
wow cool anon, thanks for sharing your opinion. would you mind shoving it up your ass and leaving this thread?

[Anonymous No.13081020]

>>13080999
You are mad and I am happy

I wonder why?

[Anonymous No.13081041]

>>13080994
pfffftt youre Canadian. leave my thread, this doesnt concern you

nice fucking 1940s soviet Khrushchyovka you found though hahahaha

[Anonymous No.13081047]

>>13081020
>now I'll use anecdotal emotional appeal to prove my point!
kys

[Anonymous No.13081049]

>Location, location, location

The strongest reason to rent is to have the mobility to change your location quickly and easily to accommodate changes in life.

[Anonymous No.13081065]

>>13073588
Please enjoy this explanation from an actual jew.

https://www.youtube.com/watch?v=DpcMl9XP55M

You dumb fucking moron.

[Anonymous No.13081071]

>>13081049
literally the only reason to rent if you're not in school

congratulations, ITT you are the second person to talk about this point. it took the other guy 3 hours and countless other arguments before he finally reached this one.

so good job

[Anonymous No.13081074]

Imagine being so poor that you have to buy your house

Holy shit

[Anonymous No.13081082]

>>13081074
OP Assumes you live in an area where you can buy a house for 80k. Absolute fucking brainlette.

[Anonymous No.13081085]

>what are property taxes
>what are association fees
>what is garbage disposal
>what is heating and air conditioning
>what is water

There are a lot of hidden costs to home ownership, at my apartment we have heating and cooling as well as water and garbage disposal comped. Sure it's expensive to rent but property taxes are like $250 a month in my neighborhood and association fees for condos can be upwards of $300 alone.

[Anonymous No.13081087]

>>13081065
oh man haha now the rentcucks are sharing 10 minute long youtube videos to try to prove their point lmao now this is desperation

lol if you think I'm going to watch your retarded video you dumb teenager

[Anonymous No.13081088]

>>13077564
>He doesn't live in a boat
You're doomed. Get fucked land cucks.

[Anonymous No.13081093]

>>13081087
Will gladly swap W-2s to prove I make more money than you do. It's financially retarded to buy a home. You can enjoy your 80k shack/mud hut.

I'll be glad to rent til the day I die and not tie up 500k in a sinkhole investment.

[Anonymous No.13081097]

>>13081082
you can buy a $200,000 house and have a mortgage that is the same price as your rent but keep being retarded

i await you to respond with "muh property tax, muh insurance, muh down payment"

[Anonymous No.13081105]

>>13081097

Show me a 200k house in NYC that isn't legitimately next door to a crackhouse. Thanks.

Your argument has a ton of variables that it doesn't account for. Also-- Yes...property tax is perpetual. You'll continue to pay that version of rent forever anyway. I can't imagine why you're so dickmad about anyone opposing your shit-tier point of view...

must be feeling the pressure of that 30 year fixed bag on your shoulders?

[Anonymous No.13081128]

>>13081085
>property taxes
literally included in your mortgage payments. sorry you live in a socialized shithole but in the normal parts of the US itll increase your mortgage by ~30 bucks a month for a 200k house
>HOA fees
200 bucks a month on a condo youre paying 600 bucks a month in mortgage. oh wow, would you look at that?
>utilities
literally 95% of renters pay these. good for you for not having to.
>hidden costs
found your problem, youre retarded

have fun paying the same price as a homeowner but living in a shittier unit and NEVER seeing a dime of your money EVER again. and then even arguing that its a good idea. fucking cuck

[Anonymous No.13081132]

>>13073755
>Throw money at landlord
>get shitty roi
Gee I wonder what option is better

[Anonymous No.13081134]

>>13081087
Glad to consolidate this for your peanut brain while you google 200k shit houses in NYC.

[Anonymous No.13081138]

>>13081105
I too would legit like to see some decent places. and I've been searching. I would like to do the buy meme and maybe even live with roomates who would essentially pay for my mortgage, but the locations and living situations are all proportionately garbage. Anything even remotely decent in one or both categories, a place someone would actually want to live, is closer to 400k-500k at least, and that's for like a small 1br studio.

>t.jew york fag

[Anonymous No.13081140]

>>13081105
Just wait till the real estate crash of 2020

[Anonymous No.13081146]

>>13081134
Assuming 1,000,000$ home. Which is a reasonable price in anywhere that isn't a literal rathole state.

[Anonymous No.13081162]

>>13081138
I'm all about doing things the financially intelligent way. I make a high 6 figure salary and still can't justify owning a house in NYC. Anything I buy would be an immediate downgrade in lifestyle for a loss in money...I could see if you had 3 dogs and 4 kids...but Renting is a win in metro areas. Landlords often barely break even on renting out apartments to tenants. It's so competitive that they're happy to just barely cover THEIR mortgages and reap the longterm benefit--which is great for them...when they're 65. I'd rather have the stack of cash when I'm 30.

[Anonymous No.13081172]

>>>13081105
>in NYC
lmao @ this. just lmao. strong argument. "find a house in this one city in this one state". are you 10? are you going to ask me to find homes in major west coast cities next? im sorry you were a literal retard and moved to a city where your dollar is worth half of mine

>comparing property tax for life to rent
oh now, that 30 bucks a month is REALLY going to hurt my wallet (as you continue to throw thousands down the drain on rent)

[Anonymous No.13081174]

>>13080883
Mortgage definitely cheaper than rent in Cali, my house is 1600 a month and comparable properties to rent out ask 19-2400

[Anonymous No.13081179]

>>13081134
>in NYC

your argument loses every bit of ground the moment you leave the city, how does that feel? to be 97% retarded?

[Anonymous No.13081180]

>>13081172
Imagine living the rest of your life in a place where property taxes are 30$ a month. You need to rename your thread:

How to live like a peasant for mere pennies.

[Anonymous No.13081189]

>>13081162
>in NYC
man, this jew is really on one.

[Anonymous No.13081201]

>>13081180
youre legitimately sitting here saying paying $30 a month for the rest of your life is worse than paying $800 a month on rent for the rest or your life

imagine being as fucking retarded as this guy

[Anonymous No.13081202]

>>13081162
I think I'm pretty much in the same boat as you. Also make a decent six figure salary but it's hard to justify buying in NYC with the headache of being a landlord. I'm more pressured by my parents who just want me to own something because they think rent is also a money sink. It's true, I'd rather have the cash and options at 30 than be stuck with a mortgage. And if we do end up in another housing crash in the next few years, I'll be ready to buy.

[Anonymous No.13081208]

>>13081189
Does it hurt that a teenaged jew from jew york is winning life while you settle for a dirt-shack in backwood florida? keklmaoomg

I can't win an argument, so I'll just resort to namecalling. GG Go next.

[Anonymous No.13081217]

>>13081201
Brother...You're not paying 30$ a month... You're paying the entire cost to own and THEN a continued 30$ a month...which i don't even know what kind of property tax rate and property value equates to that-- but if you were to live in it for the rest of your life, I'm sure you'd be just fucking thrilled to wake up every morning.

[Anonymous No.13081230]

>>13081202
Houses will not be worth what they are today, in 10 years. Don't buy now, for SURE. But also-- not buying at all is just as fine. The goal is to make your money do something for you-- not just sit there and depreciate or worse-- CREATE more bills. Let the marriage and faritytale fags enjoy their picket fence and golden retrievers. If you want your money to be most effectively spent-- rent. At least given the state of things currently.

[Anonymous No.13081367]

>>13081230
Do you mind if I ask what do you do with your money then?

Even in NYC, unless you lead a costly lifestyle, you can save a decent amount of your salary at a high end six figure range. Where does the majority of that go? Do you put it into index funds? crypto? How much do you keep in emergency funds/savings account?

[Anonymous No.13081416]

>>13081217
and guess what? youre paying rent for the rest of your life. there is no light at the end of the tunnel. when you leave, bye bye money. rinse and repeat.

nice anecdotal evidence. im actually 14 years old and make 8 figures a month writing code at burger king.

[Anonymous No.13081475]

Asking for a friend, what hypothetically happens during a divorce if the wife refuses to leave or sell the house ASAP. Would the courts force me...err my friend to pay out the ass in alimony to essentially cover the mortgage so the ex-wife doesn't have to tramatically endure a downgrade in her quality of life? I bet my friend wishes he was renting right about now.

[Anonymous No.13081490]

>>13081201
Imagine being so retarded as to dole out highly location and lifestyle specific advice as dogma on an anonymous Lithuanian vegetable whittling forum

[Anonymous No.13081512]

>>13081475
everything is settled in divorce court. if you both want the house the judge orders the house to be sold in x amount of time and the money split. if you make attempts to sell and the wife is making it impossible you plead your case to the judge who will
1)fine the wife
2)put her in jail

[Anonymous No.13081518]

>>13081475
How long have they been married. Why is he divorcing. Who stands to lose more in this divorce. I need to know.

[Anonymous No.13081530]

>>13081367
I am a system engineer for a major pharmaceutical company, and got locked in early with some nice stock options.

[Anonymous No.13081538]

>>13081490
>he wants more of these threads
imagine being you. yikes

[Anonymous No.13081554]

>>13081416
Nice man. Sounds like a solid gig.

[Anonymous No.13081559]

>>13081530
hahahahahahaha basically 40k a year hahahaha

[Anonymous No.13081671]

>>13081559
Are you implying that a google search reveals actual salaries?

[Anonymous No.13081695]

>>13081559
Should I keep them coming or?

[Anonymous No.13081718]

>>13081559
Not knowing what average means. GG next.

[Anonymous No.13081732]

>>13081671
see
>>13081162
>"I make a high 6 figure salary"
>$180,000
>high 6 figures
welp, caught ya lying once. jews gonna jew. your credibility is out the window, nigger. just lmao @ you. lying to a bunch of dudes on the internet and trying to prove yourself to literal randoms. your self confidence must be in the fucking shitter

[Anonymous No.13081754]

>>13081732
My guy, you’re in so far in over your head you’re green texting. Drop whatever you’re holding and hang onto this L.

[Anonymous No.13081758]

>>13081732
Do I have to show you my stock options and dividends now too? Do I have to show you every income stream I have? The two retail stores I own a piece of? Literally can't believe I've been baiting into arguing with, I'm gonna say a 23 year old, who probably doesn't own a home or even pay his own rent at this point.

You're fucking rekt kid.

[Anonymous No.13081775]

>>13081754
>>13081758
just stop. im LMAO @ how assblasted you are. the absolute state youre in.... jesus christ just dont hurt anybody

[Anonymous No.13081783]

>>13081775
What's your address, let me buy you lunch.

[Anonymous No.13081804]

>>13081783
im straight bro, the last thing I want is some schizophrenic psychopath trying to chloroform me because he got owned on the internet

[Anonymous No.13081818]

Again with the name calling. So far I'm a schizo teenaged jew. What else do you have for me? You should spend more time getting your money straight, rather than starting threads that bait reasonable people into arguing against your absolute retarded point of view. There is literally not a successful person in the world with your mindset. Jesus christ, buy a house? Why didn't anyone ever think of that!?

[Anonymous No.13081845]

>>13081818
>So I'm a schizo teenaged jew
yes

the discussion ended when the only ground you stood on is the thread didn't apply to you because you lived in NYC.

[Anonymous No.13081855]

>>13081845
The thread doesn't apply to anyone who doesn't live in a place where the cost of a house is less than their annual income...Which so far as I know is about 99% of the planet...

[Anonymous No.13081885]

>>13081855
You also have to start accounting for shit like property tax rates, which are also variable based on where you are. We understand they are rolled into your mortgage payments, but it doesn't change the bottom line... You need to consider whether or not the opportunity cost lost on dumping a down payment, the rolled mortgage payments, where your PMI is through the rough if you only put down 3.5% or whatever nonsense you said earlier-- plus the property tax in perpetuity. Bundle that all up, and most people are excluded from your magical formula where it's less than rent is.

Now add in closing costs, typical maintenance which you now have to pay for over renting-- where none of that is your responsibility, and you've got yourself a much larger audience being excluded from your magical discovery of just "Buy a houselol".

I've tried memeing, and I've tried being reasonably logical-- and you still respond with niggerjewteenagerfgt.

I don't know what you're looking to achieve? Buying a house as a lifestyle choice is one thing-- where you seek stability and an environment to raise your family. But as a financial decision, the reality is much more harsh than your simple idealistic view of it.

[Anonymous No.13082071]

When I hear people talking about bubbles, you know your not in one. This cycle still has a year or two left so use it up. I'm closing on another investment property in 2 weeks. I don't care if the market dumps cuz I'm still collecting rent. If the market pops, maybe I sell.
I believe u use ur first home as a vehicle to live as cheap as you can. My home I live in is a small ass house. My investment properties are nicer. I'm 35, everything is paid for with no mortgages. All because my 1st house was simple and cheap. And yes I work in real estate

[Anonymous No.13082165]

>>13073588
>if you buy food you're a total fucking retard
>you will never see that money again

[Anonymous No.13082328]

>>13082165
imagine if you had 2 apples. one cost $1, the other 75 cents but after 2 days you get back an additional quarter from the second apple when you decide to get another apple

thats you, the retard paying a dollar for an apple when theres one cheaper that you eventually get money back on

[Anonymous No.13082597]

>>13075580
Nah it's just the OP. Hes got 38 posts from one ID and 46 from the other. Nobody who's ever posted 84+ times in a thread has had anything valuable to say.