Your rent increases, perpetually. My home value increases, perpetually

[Anonymous No.53713294]

We are not the same

[Anonymous No.53713305]

>REEE BUT BUT BUT HOMES ARE DOWN 20% THIS YEAR REEEE!!!
Silence, rentoid...

[Anonymous No.53713306]

>>53713294
i live at home for free, while u pay rate hikes mortgage and utilities. We are not the same

[Anonymous No.53713322]

>>53713294
I live rent free in your head, while you live mortgaged (death pledged) to a bank.

We are not the same.

[Anonymous No.53713323]

>>53713306
Pfftt always one teenaged incel shows up

>REEE BUT BUT BUT YOU COULD HAVE PUT YOUR DOWN PAYMENT INTO LITERALLY ANYTHING AND BEEN BETTER OFF!
ha, yeah ok kid. Nerds turn $100 in $130 a year ago and think they're ahead of the curve. Congrats, your investment paid for 3 days worth of rent LOL

[Anonymous No.53713339]

>>53713322
holy mother of cope, stfu subhuman rent*id

[Anonymous No.53713361]

>>53713322
You're in my thread, seething. Aud contraire

Also,
>what is a lease
100% if your rent goes to your landlord. About 40% of my "rent" goes back into my pocket via equity, not to mention the mortgage interest tax writeoff. You are below me in so many ways its not even funny

>your rent in 20 years?
>triple what it is now

>my "rent" in 20 years?
>Literally non-existent except for home insurance and taxes
My "rent" will literally be 1/10th yours and I'll own an appreciating property while you'll own absolutely nothing lololol

[Anonymous No.53713405]

you will pay taxes and maintenance until the home collapses. this is basic physics

[Anonymous No.53713413]

>>53713405
You think your landlord doesn't factor this stuff into your rent? Haha wow, you are so bluepilled it's unreal

[Anonymous No.53713472]

>>53713306
Neetchads cant stop winning!

HAhaha shame OP. Just another glorified slave paying the bank jew that owns "your" house

[Anonymous No.53713501]

>>53713294
I pay no HOA fee
I pay no property taxes
My heat is free
My water is free
I pay less than you every month
We are not the same

[Anonymous No.53713507]

i live in my mistress's shoe closet and post from an atari 2600

[Anonymous No.53713516]

>>53713361
Cope harder debt slave faggot.

You could buy literally anything and outperform housing. 200k invested in crypto instead of a deposit on a death pledge could easily be 2 mil next cycle and buy a house outright within 5 years. Selling your ass to a bank is literally the worst financial decision you could ever make.

[Anonymous No.53713528]

>>53713405
Lmao fucking retard rentoid

I paid $1200 in property taxes and $1500 in maintenance on my rental last year. I still made $6500 net. Enjoy your Stockholm syndrome with your landlord

[Anonymous No.53713545]

>>53713516
>down payment $50,000
>home increases $300,000 in 5 years

Yeah what a terrible investment buddy. Enjoy the perpetual rent increase and dog tokens

[Anonymous No.53713555]

>>53713501
Yeah and when I move out I have $400,000. When you move out you will be lucky to get a deposit back.

[Anonymous No.53713560]

>>53713501
Living with your parents doesn't count.

[Anonymous No.53713561]

I live at my grandmas perpetually rent free she’s getting them tendies out the oven now brb boys

[Anonymous No.53713587]

>niggers move in
>house becomes worthless
>don't pay for fiber installation
>house becomes worthless
>local business leaves area
>house becomes worthless
>unfortunate and unavoidable train accident poisons the water, air, and land nearby
>house becomes worthless
Meanwhile I just pack up and leave, and let the landcucks deal with the problem.

[Anonymous No.53713606]

>>53713587
You have a single brain cell if you actually believe this

[Anonymous No.53713626]

>>53713606
None of those things ever happened, and never will.
Anybody else getting sleepy? Let's all go to sleep now.

[Anonymous No.53713631]

>>53713545
50k downpayment, 15k/yr property taxes, 5k/yr in utilities, 15k/yr in maintenance costs, 10k/yr in interest

enjoy

[Anonymous No.53713644]

I'm paying about $700 more a month "owning" than I was two years ago thanks to increases in property taxes, HOA dues, insurance, etc.

[Anonymous No.53713829]

>>53713516
See >>53713323
Cope and seethe. Want to know any normal, functioning adult has to say about kids so "invest" in crypto?

"Grow up"

Your precious buttcoin is down 50% this year LOL

[Anonymous No.53713888]

>>53713587
>>53713631
Cue the schizo copers pulling random numbers out of their ass to cope with their terrible business "decision"

I put decision in quotes because the reality of their situation is they rent out of necessity, not choice. The rentoid is the most elaborate coper there is. They will perform mental gymnastics to defend their poorfaggotry - because as long as they act like renting is a choice, they avoid facing the reality that they are poor. That their current living situation is the culmination of bad decision after bad decision.

[Anonymous No.53714164]

>>53713631
Kek what a fucking moron 15k in maintenance. Stupid broke nigger

[Anonymous No.53715321]

>>53714164

painting, landscaping, appliances, plumbing, electrical, lighting are all shit that you get for free with a maintenance team while renting. your fridges, washing machines, etc. are all amortized over your ownership. add in roofs, exterior painting, any other shit. it adds up fast. you probably hand wave away any of this shit as 'one time costs' but it absolutely is not at all. as a renter you dont even pay to replace a fucking light bulb if you have half a brain

[Anonymous No.53715380]

>>53713888
checked, rentoids are truly scum, I see you are a man of sophistication, cheers

[Anonymous No.53715400]

>>53713294
I will NEVER rent EVER
I will CONTINUE to live in my mum's basement
It's ACCEPTABLE among us zoomers
My GF is gonna move in and we're gonna be FINE
I'm going to have sex every day and NOT pay rent and there's NOTHING you can do about it
Nigger

[Anonymous No.53715780]

Bought my house for 165k Euro 9 years ago. Nice neighbourhood and I upgraded it with my dad. It's now worth 400k. I have also been doing extra redemptions with crypto profits (I can repay 10% of the total debt free of penalty per year) and now have 20k debt left, which I'm keeping because it nets me a tax benefit. My interest rate is locked at 1.99% for the entire 21 years left and I pay around 100€ a month. It feels like I'm practically living here for free. Comfy.

Meanwhile I see friends and colleagues scramble to overbid on property and ending up paying 1800 per month lmao.

[Anonymous No.53717009]

>>53715780
>bragging about afew hundred k
You would be a multimillionaire by now if you invested in crypto instead. Top kek.

[Anonymous No.53718326]

>>53713294
Quit bragging about your mortage you cuck

.t rented for 3 years to increase opportunity cost and bought house in cash

[Anonymous No.53720186]

>>53718326
>bought house in cash
Hahaha holy shit and in the same breath you talk about opportunity cost. Let me explain to you a little something about opportunity cost you LARPing retard

>$300,000 mortgage
>2022 interest rate of 3%
By paying cash you saved a total of ~$155,000 in interest on a 30 year mortgage

*knuckle pop*
*sips coffee*
*basks in the preemptive BTFO*

At a mere 6% annual ROI, which is the low-end average of the safest stock investment portfolio, had you invested that $300,000 into some sort of ultra-safe index, after 30 years that $300,000 would be

Drum roll please

$1,723,047.35

One point Seven MILLION DOLLARS

You stupid little rentcuck bitch. Oh, but I'm SO glad you saved $155,000 in interest hahahaha

Fucking retard.

[Anonymous No.53720219]

>OP tied is money up in real estate
We rentchads made 10x his return with Microsoft and Apple

[Anonymous No.53720274]

>>53713516
Now get a bank to loan you 200k for shit coins with a 3% rate. That's what people were getting a year ago for a house. Real estate is the most accessible way to get real leverage for poor fags.

[Anonymous No.53720325]

>>53713361
This is why I'm willing to pay over 2k a month on a house. I know in 10 maybe 5 years 2k will be nothing.

[Anonymous No.53720347]

>>53720219
>we made 100x in [insert literally anything that performed well in the past that you didn't really invest in]
Yawn. I like this one because I get to watch you tards BTFO yourselves:

Post key fob. Come on, post it. Post the key fob to your car. You won't. Why? Because in reality you're poor. You wouldn't be renting if you actually had another option.

I know the cope you already have loaded. >"Reeee cars are stoopid!"
Ok, Post literally any material possession that is valuable.

Once again, you won't. Because you are poor. Get dunked on rentoid

[Anonymous No.53720351]

Imagine thinking that the place you live in is an investment.

[Anonymous No.53720356]

>>53713294
oh yeah, I GET TO LIVE NEXT TO THE DOGGO PARK AND BARCADE

You can't just move your house

Rendoids 1, homies 0

[Anonymous No.53720383]

>>53720351
Da, housing is a right comrade.

[Anonymous No.53720394]

>>53720351
and how much does your apartment appreciate again?

[Anonymous No.53720410]

>>53720219
Yellow landlord hands typed this. Nobody who owns wishes they could go back to renting.

[Anonymous No.53720441]

>>53713305
I wonder what happens to home prices when mortgage rates don't go straight down

[Anonymous No.53720544]

>>53720441
Geez I don't know retard, maybe look at your graph between 1970 and 1980 then back at the graph here >>53713305 to find out

The average IQ here is unironically 90 and below

[Anonymous No.53720574]

>>53720394
who said I live in an apartment? I own a house and have rental properties, but I know the S&P beats real estate overtime. I don't want to be "house poor" which a lot of people my age are. Also there is a liquidity issue with a property especially with the house you live in

[Anonymous No.53720614]

>>53720347
You are very emotional. Tells me you can't control your money either. I don't have to prove anything to you. I'm not even on one particular side because my family owns a lot of real estate. You're so in love with your simple belief that it gets annoying.

[Anonymous No.53720640]

>>53720574
Ok, how much does "an" apartment appreciate.

>I know the S&P beats real estate overtime
>Also there is a liquidity issue
Whoa cool, any other irrelevant schizo babble you want to barf up? You're arguing an argument that exists solely in your head. Take a deep breath.

[Anonymous No.53720648]

>>53720614
Yes

[Anonymous No.53720654]

>>53720614
>no key fob
>paragraph of irrelevant poorfag seethe
Thanks for playing

[Anonymous No.53720684]

>>53715321
So you think the average person puts $150,000 in maintenance in their home over 10 years you are absolutely retarded and coping so hard man. Should have bought

[Anonymous No.53720690]

>>53720654
your 30 year mortgage will net you 0 profit just a heads up you're basically maintaining your bags instead of paying apartment wagies to do it

[Anonymous No.53720703]

>>53720544
try actually comprehending the scale of the graph before you post.

[Anonymous No.53720705]

>>53720684
it's okay buddy they'll go back up in a couple years and you can move out of your starter house without losing $200k lol

[Anonymous No.53720724]

>>53720186 Nice paragraph. Didnt read


Make sure youre in time for work debtslave

[Anonymous No.53720731]

>>53720690
0 is a lot larger of a number than negative $540,000 - which is exactly how much a rentcuck paying $1,500/month will piss away over 30 years lololol

Not to mention in 30 years my mortgage will literally be tax/insurance while your rent is likely to be quadruple what it is now

[Anonymous No.53720785]

>>53720703
It's a 10 year span on a 55 year graph, the sample size is literally almost 20% of the graph you absolute retard hahahaha

[Anonymous No.53720805]

>>53720640
I sell a stock it's done in seconds due to liquidity, I sell my house, I have to find another place to live on top of finding a buyer and paying all sorts fees if I use a broker. Seconds vs weeks and months.
It's called liquidity. First house?

[Anonymous No.53720807]

>>53720731
who said I have to rent for 30 years. I can just buy these boomers bags when housing starts to decline indefinitely because no one's having babies

[Anonymous No.53720811]

>>53720724
>reads entire posts
>seethes, has no rebuttal
>"REEE I DIDNT ACTUALLY READ IT!"
kek, touch grass

[Anonymous No.53720825]

>>53720805
Oh yea I can also sell part of a stock or whatever but cant really sell part of my house lmao

[Anonymous No.53720832]

>>53720805
Once again, you are arguing with yourself. Nowhere in this thread has anyone said that houses are liquid. Take your meds, maybe double up the dose today.

[Anonymous No.53720843]

>>53713294
>white collar worker ant makes fun on blue collar worker ants

[Anonymous No.53720859]

>>53720807
>"THIS THING THAT HAS NEVER HAPPENED.... ITS TOTALLY GOING TO HAPPEN"
>"TWO MORE WEEKS!!! Q SAID SO!"

>because no one's having babies
Haha oh my sweet summer retarded child. Have you heard about our southern border?

[Anonymous No.53720887]

>>53720859
you missed out on crypto you fucking midwit boomer.

[Anonymous No.53720888]

rentoid cope itt off the fucking charts lmao

[Anonymous No.53720906]

>>53720887
You missed out on 3% interest rates :^)

Also, see >>53720347

You are not the first to make these arguments. You will not be the last. Now post key fob poorfag

[Anonymous No.53720908]

>noooo tech investors didn't make higher returns than I did with my house although everyone can just read the available data that proves it

OP is a whiny fag

[Anonymous No.53720914]

What kind of lawyer identifying person do I talk to if I want to buy a home? I have questions about how to approach the bank, how much money it’s best to come with, what form that money needs to be in and how to make the money be as presentable as possible. If I wanted to buy a boat I’d go talk to a boat guy not a boat salesman. who do I go talk to if I want to buy a house?

[Anonymous No.53720920]

>>53720859
>Have you heard about our southern border?
I have plenty of 2nd gen mexican friends and they're also full of microplastics and watch anime instead of reproducing

[Anonymous No.53720929]

>>53720832
Stock market outpaces median home prices by 4 fold. You stamp your little feet about how much does an apartment appreciate for some reason? So you've now introduced a person's primary residence as comparison instead. The argument now is if your primary residence is an investment. It isn't. Having a rental property that generates income is an investment, your house is a liability buddy. stop spreging out and learn

[Anonymous No.53720933]

>>53720908
>MortgageChads™ can't invest in tech stocks
More retarded rentcuck cope. Now go ahead and bring up down-payment opportunity cost so I can BTFO you even harder

[Anonymous No.53720952]

>>53720920
>illegals fill out a census
Haha holy shit this dude is next level retarded.

[Anonymous No.53720994]

>you should make your biggest investment decision in your 20s and bet it all on one house

Homeowner cope

[Anonymous No.53721015]

>>53720952
illegals make houses but can't afford them retard. 60% of home owners are boomers and older. Guess what happens next

[Anonymous No.53721032]

>>53720929
Answer the question: how much does an apartment appreciate? How much equity will someone have in 30 years on their apartment

I'll answer it for you since you're off your meds:

Zero dollars

30 years of payments. Zero dollars in equity.

But somehow in your broken mind, renting is the better idea even when in 30 years my mortgage will be 1/10th the average rent, considering rent will most like quadruple and I will be paying nothing but taxes/insurance

Cope and seethe brainlet

[Anonymous No.53721053]

>>53721032
how much out of your 1 million dollar loan does the bank refund when your house drops in value?

[Anonymous No.53721110]

>>53721015
People 65 and up own 32% of homes. By the time all of them die, they will have been replaced 3 fold by immigrants. But yes, continue thinking this thing that has never happened before will totally happen. TWO MORE WEEKS, amirite?

[Anonymous No.53721122]

>>53721032
No one said it does. lmao. Do the math, if someone invested in a $300k house or $300k in the S&P who would have more money?

Could easily buy 3 houses at median home price the end of 30 years.

>>53720351

[Anonymous No.53721136]

>>53713306
This, I live rent free in grandparents basement, I was a renter with a career and I lost all that. Life is more peaceful now not chasing bills

[Anonymous No.53721143]

>>53721053
What kind of retarded zoomer logic is this? Do you think banks refund bad loans on other types of investments? Haha what the fuck is wrong with this board?

[Anonymous No.53721164]

>>53721122
That's why you don't outright buy a house dumbass. I've already made the argument you are making. Once again, you are arguing with yourself. Take meds, touch grass, get some fresh air then see >>53720186

[Anonymous No.53721167]

>>53720724
M3 Chads, we won

[Anonymous No.53721177]

>>53713472
Tell us what the group home is like when your parents die which will happen sooner then you think. When you are 35 to 45 parents start dropping like flies.

[Anonymous No.53721232]

>>53713501
The MUH property tax fud is hilarious. Oh no $1500 for the year and 3% fixed rate mortgage on a beautiful 4k sq home is less then your rent and after price drops still have 250k equity. Not that I'm ever selling it. Will go to my kids.

[Anonymous No.53721238]

>>53720724
>>53721167
Your car costs less than a Camry. No, you did not buy it new.

[Anonymous No.53721261]

>>53720914
Loan officer at a credit union. You’re not special they literally don’t care how wealthy you might be. They just want you to shut up and sign.

[Anonymous No.53721271]

>>53721143
>What kind of retarded zoomer logic is this? Do you think banks refund bad loans on other types of investments? Haha what the fuck is wrong with this board?

can't even detect sarcasm like a true autistic retard

[Anonymous No.53721283]

>>53720929
Why do chuds assume that homechads aren't also diversified with other investments?

[Anonymous No.53721303]

>>53721238
seething ICEcuck

[Anonymous No.53721350]

>>53713294
So do your property taxes

[Anonymous No.53721366]

>>53721271
So you were just posting irrelevant schizo babble? Got it

[Anonymous No.53721381]

>>53715321
>painting, landscaping, appliances, plumbing, electrical, lighting are all shit that you get for free

You pay for it in your rent and sometimes, in the case of utilities, you pay for it entirely yourself.

[Anonymous No.53721402]

>>53721303
>$30k car
Lol. Literally anyone making $12/hr could afford those payments

Only 3 more hours until you get that extra 20% charge

[Anonymous No.53721413]

>>53721350
Want to know who pays your landlord's property taxes?

You :^)

[Anonymous No.53721425]

>>53721238
You made the wrong play. Cryptochads won. Also house market is in a slow decline for the next 3 years

[Anonymous No.53721443]

>>53721164
even with only a downpayment vs investing in stocks over 30 yr. stocks win out sorry bud. Your math doesn't check out

[Anonymous No.53721486]

>>53721425
>Cryptochads won
Then why are you basically driving a Toyota Camry?

>Also house market is in a slow decline for the next 3 years
After increasing by 50% in a single year? Oh no, whatever will we do... homes increase in value into perpetuity. Your monthly Rent increases into perpetuity.

[Anonymous No.53721508]

>>53721486
these rate hikes really got you spazzing out huh

[Anonymous No.53721533]

>>53721366
>So you were just posting irrelevant schizo babble? Got it

You took out a loan. You have to pay it back. House value goes down then too bad commie

[Anonymous No.53721534]

>>53713294
>train derails
Oops sorry we didn't mean to permanently poison your groundwater little hoomer.
Man, think this might hurt your widdle zestimate?
Oh man, insurance won't cover this? At least the government says it's safe (and effective!) to continue living here indefinitely.
Yeah I'm just gonna...I'M GONNA...
MOOOOOOVE into a new apartment and forget this town like it never even existed

[Anonymous No.53721558]

>>53721443
>$300k house
>FHA Loan
>3.5% down
>$10,500 down payment

$10,500 invested @ 8% annual returns = $105,657.89 after 30 years

a $300,000 home increasing at the historical average 3% rate... $728,178.74 after 30 years

Get ass raped by facts and logic you absolute retard.

[Anonymous No.53721569]

>>53721508
>rentcuck thinks fed rate affects fixed-rate mortgages
This board is filled to the brim with retards. Go back to /gif/ cumbrain

[Anonymous No.53721580]

>>53721533
>Japan
Wow, really reaching there little guy

[Anonymous No.53721591]

>>53721558
I fail to see the point you are trying to make.
An 8% return is better than a 3% return. Yeah if you dump a huge amount of money into the 3% return you get more back, that doesn't make it a "better investment." Your opportunity costs are killing you.

[Anonymous No.53721604]

>>53721534
>nigger neighbor murders you
Oh no, but my "ground water" pfttthahahahaha

[Anonymous No.53721616]

>>53721591
Opportunity cost for $10k? The ability to HELOC to invest equity? Really? What opportunity do you speak of

[Anonymous No.53721629]

>>53721591
This nigger is actually retarded

Guess what, dumbfuck? That $300,000 I "dumped" into a 3% annual ROI investment? It wasn't my money. It was the banks. Go out right now to any bank and tell them you want $300,000 to put into the S&P500. Do it. And record it and post it here

[Anonymous No.53721696]

>>53721443
LMAO you forgot to subtract the interest you have to pay on BOTH the FHA loan (not 3%) and the regular loan. Use an amortization calculator amigo. YOUR MATH IS WRONG. Also average yearly increase of the S&P
is 9.687% ooof. In before "I'm not here to do math for you"

[Anonymous No.53721724]

>>53721558
LMAO you forgot to subtract the interest you have to pay on BOTH the FHA loan (not 3%) and the regular loan. Use an amortization calculator amigo. YOUR MATH IS WRONG. Also average yearly increase of the S&P
is 9.687% ooof. In before "I'm not here to do math for you"

[Anonymous No.53721831]

>>53721724
Also you are not factoring in dividends reinvested, and the money you would be able to invest every month instead of a mortgage. man your math is so fucking off dude

[Anonymous No.53721836]

...Anonymous (ID: uckD3vts)
02/15/23(Wed)13:18:52 No.53721724
>>53721558 #
LMAO you forgot to subtract the interest you have to pay on BOTH the FHA loan (not 3%) and the regular loan. Use an amortization calculator amigo. YOUR MATH IS WRONG. Also average yearly increase of the S&P
is 9.687% ooof. In before "I'm not here to do math for you"

[Anonymous No.53721915]

>>53713294
I've lived in my apartment for 5 years and it's only gone up once by 50 bucks.
Meanwhile my crypto and silver stack has gone up.
I feel like you faggots care more about me renting then I care about you having a house.
>>53713305
Shut the fuck up, fat ass.

[Anonymous No.53721931]

>>53713323
>ha, yeah ok kid. Nerds turn $100 in $130 a year ago
That's cool dude.
You should lose weight and lose your virginity.

[Anonymous No.53721946]

>teslas
you're aware those stopped being cool years ago right?

[Anonymous No.53721976]

>>53721724
>>53721831
Wait, does this nigger think that the 3% I'm talking about is the loan % and not the average annual amount in which homes appreciate? Wow... you're actually retarded. Like fetal alcohol syndrome levels. If my interest rate was 10%, it does not change the fact that a $300,000 home will be worth $700,000 in 30 years.

Ok, let's use 9.687%. Wow, you're at $168,206.99 after 30 years... compared to like, what? The $400,000 you've gained from simply paying your "rent" aka mortgage? Wow, great logic Einstein, better keep on rentcucking!

>dividends reinvested
Hahahahahaha no fucking way you're serious right now. Want to know how much in "dividends" you'd get back in 1 year with $10,500 in Apple stock?

$15.68

At this point is is clear you are incredibly low IQ. You have no idea what you're talking about.

[Anonymous No.53721986]

>>53713829
>Your precious buttcoin is down 50% this year LOL
>Dude everyone buys the top.
I hate how fucking stupid you arse holes are but I get, you losers should have bought BTC when it was worth pennies and you wouldn't have to work to pay off that faggy mortgage.
Meanwhile I turned two k into 3 k by holding and buying that dip a little bit ago.
How pissed off you fucking faggots aren't getting sex, working a job you hate AND COMING HERE to let us know you're bothered by us?
Literally beyond ass hurt.
>>53713888
I don't care about renting, I'm leaving the US pretty soon.
Type cope all you want.
Fucking lol!

[Anonymous No.53722000]

>>53721931
Don't go spend it all in one place

[Anonymous No.53722012]

>>53715400
>>53715380
>Yeah man I'm totally happy now watch me post a bunch of shade.
I for once cannot wait to move out of the US, it sucks here..middle class fat kids are the worst.
>HAHAHAHA LOOK IM SO HAPPY ARENT YOU SO MAD.
Nigger shut up.
>OOOOHHHH YOURE SO UPSET HAHAHA IM SO HAPPY.
No one cares, cry about it.
I've fucked girls in my apartment, yes plural, as in multiple.

[Anonymous No.53722050]

>>53720186
>You stupid little rentcuck bitch. Oh, but I'm SO glad you saved $155,000 in interest hahahaha
You home owners are mental ill and morbidly obese.
Shut up fat ass.

[Anonymous No.53722053]

>>53722012
>muh dick
cope

[Anonymous No.53722075]

>>53721986
>>53722012
>>53722050
This is what rentcucking does to a mf

U N H I N G E D
N
H
I
N
G
E
D

[Anonymous No.53722082]

>>53720347
>I know the cope you already have loaded. >"Reeee cars are stoopid!"
>Ok, Post literally any material possession that is valuable.
>Once again, you won't. Because you are poor. Get dunked on rentoid
Lose weight fat ass.

[Anonymous No.53722099]

>>53720356
Yeah but read this post.
Lose some weight you fucking fat fucks.
>>53720383
I don't live there, stop making assumptions.
How fucking ass hurt are you faggots? Who cares if you have a house?
>Muh money.
I've gotten laid with out money.

[Anonymous No.53722102]

Even if housing prices go down, we at least get SOME of our money back if we sell the house. Rentoids' money goes into a black hole summoned by a circle of landlord rubbing their hands.

[Anonymous No.53722106]

>>53722082
I wonder if middle age farmers seethed at the land baron getting fat in his castle the same way

[Anonymous No.53722108]

>>53722075

it's actually pretty funny because you can tell he lives amongst the dregs of society, hence the built up impotent rage lol. homeowners don't have this much pent up anger. future mass shooter in the making for sure, and it all could have been avoided by not spending his money on video games or whatever faggy shit he's into and instead putting in down on a house

[Anonymous No.53722124]

>>53720410
>Nobody who owns wishes they could go back to renting.
I mean? Duh, why do you think stating the obvious is some diss?
Yeah people would rather have a home paid off than mortgage and would rather a mortgage than rent.
I own 110 shiba inu, I'll see you fat boys at a penny.
I dunno bro, maybe you guys should get some pussy and stop being upset some people rent.

[Anonymous No.53722126]

>>53713516
>Could
Faggot

[Anonymous No.53722140]

>>53720614
>You are very emotional
4chan users are usually fat virgins which is basically being a women.
I don't care, I'll keep buying crypto.

[Anonymous No.53722175]

>>53720640
>irrelevant schizo babble
Fat people are also pretty fucking stupid and delusional.
Liquidity and S&P are real terms.
>Post key fob.
Nah, crashed my car, won't pay the loan, won't pay my taxes, will leave the US.
Cars depreciate over time and need constant repairs/Maintenance.
Why are you fat fucks so butt hurt all time?
>Call 4chan users fat fucks.
>Constant angry "NO U" posting.
Lmao.

[Anonymous No.53722183]

>>53722124
Ah, finally. The rentcuck reveals his retardation. It was only a matter of time

Hey dumbfuck, do you realize there isn't enough money in the entire world to push Shiba to 1 penny? If every single person, government, corporation, etc dumped every penny they had unto Shiba, it wouldn't be 1 penny. There is literally not enough money in the world

Congrats, you stupid fuck. Thanks for playing. Now please kill yourself. Your existence is a net negative

[Anonymous No.53722191]

>>53715321
Yep, for my $300k home, which I bought 3 years ago for $220k, home maintenance including all of that will run about $2.5k a year. That includes replacing the roof eventually, etc.

[Anonymous No.53722210]

>>53722175
>edgy retard crashes his cars
yikes

[Anonymous No.53722226]

>>53722075
I'll be honest I am jelly that I didn't get to buy a home
>laid off 3 weeks before closing
but I didn't want to try again and buy at the peak of the market.
There's nothing bullish about buying now, and no one really knows what the hell is going to happen in the current environment. Everything is upside down and backwards. Yes you win on equity, but that can turn, and over the long term stocks do outperform housing strictly speaking on returns.
You are trapped in an asset that's hard to liquidate when needed.There was a saying that people use to say:
>a house is a place to live, not an investment
because when housing turns, it turns ugly
there's still a record backlog of homes to be built, we have an aging population, inflation is higher than expected, and corporations are laying people off, and banks are tightening their lending standards. Is now the time to buy?
Anyways I've since traveled, got my peepee sucked by 22yrs explore museums, and buy/hold stocks I think are good for the long term. I have no key fob because cars like everything else is so historically high off the norm it doesn't make sense unless you buy new. My "rent" in the last 6 months hasn't went over $700, this includes maid service & free chocolates.

[Anonymous No.53722236]

>>53722175
Yo this nigga can't drive, has thousands in collections and thinks another country is going to give him residency

Case in point why drinking with a baby in the womb is bad

[Anonymous No.53722241]

>>53713306
Fucking this

[Anonymous No.53722263]

>>53720914
Walk into a bank and ask to talk to someone who can answer questions related to home financing

[Anonymous No.53722299]

>>53713305
Show me 2021 and 2022.
Go on mate, show me.

[Anonymous No.53722318]

>>53713294
My the way, fat fucks.
I'm clicking off this site and going to cool steaks, Play Diablo and lift some weights.
I'll be sure to buy more BTC and silver/Gold when possible at every dip.
See you fat fucking faggots later! :D

[Anonymous No.53722357]

>>53722299
It's literally in the graph you stupid fuck hahahahaha

Is all of /biz/ this fucking retarded?

[Anonymous No.53722415]

>>53722318
This nigga works a night shift aaaaaahhhahahahahahahahahahaha he's literally poor hahahahah

[Anonymous No.53722429]

>>53721122
Where would they live while doing this? Some money has to go into your cost of housing. And it’s better spent on a mortgage than rent - you invest the rest either way

[Anonymous No.53722540]

>>53713294
Fix my sink, toilet and broken tile flooring that I broke myself in the house I'm renting from tyou and never told you about until now, bitch. That'll be 30.000$ - thanks bro ;)

Ahhh fuck a meteor just crashed right in the middle of the living room and now there's alien feces scattered all over the walls. Send the cleaners tomorrow, you fetch the bill bitch, thanks ;)

[Anonymous No.53722597]

>>53721261

>”Who can I talk to that’s not the bank?”
>”The bank”

Thanks retard

[Anonymous No.53722633]

>>53722540
*sues you and ruins your credit, preventing you from ever even being able to rent even a decent apartment*

Nothin personnel

[Anonymous No.53722798]

>>53713294
Additionally, my mortgage payments decrease perpetually.

[Anonymous No.53722878]

>>53721629
1) What you just described is called trading on margin and it's a commonplace occurrence and not at all unusual or weird.
2) You had to pay back that $300k plus interest so yes, it was absolutely "your money" you were risking.
3) You also took on 100% of the risk in this investment: you are responsible for its maintenance, you are liable if an accident involving the investment hurts someone, and you pay taxes on this investment. If the EPA declares the patch of land your investment sits on an endangered wildlife preserve, your investment is now worthless. If your investment gets overrun with termites, you need to fix it. If your investment gets blown away by a tornado, you pray insurance covers it. And if you're like most people, this "investment" represents close to 70% of your net worth. It took you're entire life to build and a train derailment or small fire could wipe the entire thing out in minutes.

[Anonymous No.53723782]

>>53722878
>2) You had to pay back that $300k plus interest so yes, it was absolutely "your money" you were risking
I did not outright buy the home yet I outright own every penny that $300k asset appreciates. It's the banks money that I am responsible for paying back but nonetheless, it is the banks money.

>if an accident involving the investment hurts someone
>if termites
>if
>if
>if
Cope
Mental gymnastics
Cope
Mental gymnastics
Durrrr what is insurance
More Mental gymnastics
More Cope

>It took your entire life to build
I saved my $10k down payment in literally 3 months.
>train derailment or small fire
The idea of insurance is obviously a foreign concept to this nigger. You're arguing philosophy when you don't even know how to read

[Anonymous No.53724821]

>>53713472
Imagine still having a mortgage and not outright owning your own property in 2023.

[Anonymous No.53725489]

>>53722012
Coping incel

[Anonymous No.53725699]

>>53723782
>3 months for $10k
Look I’m down for dunking on rent cucks fellow housechad. But you should be embarrassed by this. $10k saved in 3 months is fucking nothing. That puts you at $40k/yr saved. I do 6x that and I’m nothing impressive or special. Stop making us look bad poorfag, I want to dunk on the poorerfags

[Anonymous No.53725897]

>>53713644
>paying about $700 more a month "owning" than I was two years
That might be true but if you were renting it would be $1000 more a month to stay at the same place. Not you can sell and cash out with some nice equity gains.

[Anonymous No.53725905]

>>53725897
>Not
Now

[Anonymous No.53726130]

>>53721976
>>53721558
You need to pay much more than $10,500 in down payment for a 300k house.
Ridiculous nonsense

[Anonymous No.53726403]

>>53726130
3.5% loans are possible in burgerland, anon. You'll get fucked in the ass by PMI and interest rates but you'll get a conventional loan just fine. Ideally you should save 20% though to avoid PMI

[Anonymous No.53726582]

>>53720186
>Doesn't take into account inflation or property value increasing

[Anonymous No.53726614]

>>53726403
Exactly.
20% would be 60K, six times as much

[Anonymous No.53726760]

>>53713305
Own land whether it's a farm or a measly townhouse in Detroit is what America was fundamentally based on. Zoomers won't have this concept in their grasp. Never sell your homes to some disgusting immoral jew banker.

[Anonymous No.53727150]

>>53720186
Now include his 30 years of investments he made with the money he wasn't putting into his mortgage you fucking retard

[Anonymous No.53727692]

>>53715321
"Please mister landlord could you fix the XYZ?"

"No, read the condition report that you signed you pathetic serf"

There is truly no greater feeling than pocketing a wageslave's earnings to pay off your brick and mortar. You should try it. It is euphoric.

[Anonymous No.53728140]

>>53725699
I make $150k a year in a LCOL state at 27 years old. I wfh and do about 10 hours of actual work a week. However, you are a LARPing poorfag. Post keyfob

>>53726130
>what is an FHA Loan
Join the 7 or so other retarded poorfag rentcucks ITT and fuck off back to whatever retarded containment board you migrated from

>>53726582
Completely irrelevant to my post

>>53727150
So is he living in a fucking dumpster outside McDonalds? Wow, another retarded incel who lives with mommy

*yawn*

So many actual retards ITT.

[Anonymous No.53728174]

>>53713305
survivorship bias
tons of homes that existed in the 70's, 80's, 90's, etc. no longer exist
their value is zero

[Anonymous No.53728175]

>>53728140
>what is an FHA Loan
Another word for subprime

[Anonymous No.53728335]

>>53728175
When rates were 3% you would have to be a total retard to put down anything more than the minimum. All you're doing right now is standing atop a pedestal and exclaiming "I AM A TOTAL RETARD, HEY EVERYONE LOOK AT HOW RETARDED I AM!"

The only hope for you now is to just abandon the thread or reset your modem.

[Anonymous No.53728347]

>>53728335
>When rates were 3%
They arent anymore and house prices are already declining.
You're going to be a bagholder

[Anonymous No.53728373]

>>53728174
Provide data and link showing that there is a considerable portion of the total homes ever built that no longer exist

[Anonymous No.53728408]

>>53728347
>they aren't anymore
Hence why I said "when", retard.

>home increases by 50% in a year
>decreases by 20% the next
>"OHH LOOK AT THOSE BAGS!"
Lol, keep digging that hole, tardo.

[sage No.53729677]

>>53721986
>Meanwhile I turned two k into 3 k by holding and buying that dip a little bit ago.
Is this supposed to be a big deal?
Dude how much do you make a year? Just overall in life?

>I'm leaving the US pretty soon.
>bitching about muh leftards
kek

[Anonymous No.53730070]

>>53720351
could someone explain to me like I'm retarded what this means

[Anonymous No.53730166]

>>53713294

Buy a house, pay large interest rate. If in a large city pay high taxes.

Rent an apartment, high monthly cost, zero ownership steak.

Both groups call each other faggots. It’s so funny how stupid people are. You all will fight about anything retarded. “Boomer vs zoomer”, trans vs straight”, right vs left, blue pill vs red pill. Totally hook line and sinker to IIA operation warfare…

[Anonymous No.53730196]

>>53730070
Red line = stocks
Black line = home prices

Essentially he is making the argument that stocks are a better investment, but is too retarded to realize people need roofs over their head and literally no one ITT is saying its a better idea to spend $500,000 on a house opposed to investing $500,000 in stocks if the end goal is profit.

[Anonymous No.53730252]

>>53730196
youve been arguing here for over 24 hours man

[Anonymous No.53730274]

>>53730252
And you have been *in my thread* "arguing" for over 11 and a half hours. Something something "rent free", something something "sneed"

[Anonymous No.53730302]

I unironically think buying a home right now is a midwit trap. I legitimately left my rich suburb in the midwest last year because after covid so many poor people kept on either getting bussed to nearby housing or (something) happened. Crime rate has gone way up in places that didn't have it just a few years ago, its a weird time.

I'm in a pretty peaceful small town now but kind of keeping my head on a swivel.

[Anonymous No.53730316]

>>53730274

Why did you even create this thread? It serves no purpose… honestly? Are you that miserable in life? Some of the stupid tit for tat crap I see on here.. Shesh

[Anonymous No.53730388]

>>53730316
I enjoy shitting on rentcucks. Back in 2020, when homes were cheap and rates were low, I made threads telling people to buy. They were filled to the brim with rentcucks defending their "decision" (read: only choice)

Now, that ship has sailed and they are stuck rentcucking or forced to pay 7% interest rates on overpriced houses. So I laugh. I laugh at them as they piss away money every month making someone else rich

Also, it serves as a debate. It's informative. This board is basically nothing but pajeets shilling whatever coin they were stupid enough to "invest" in. These threads allow rentcucks to become aware at how stupid they are - which, maybe, one day will push them towards pulling the trigger on a house when rates are low again.

[Anonymous No.53730460]

>>53730302
Yeah I would not buy right now with rates this bad and no end in sight. The difference between 4% and 8% interest on a $300,000 house is almost $1,000 a month...

[Anonymous No.53730473]

>>53713587
that is what HOAs are for

[Anonymous No.53731211]

>>53715321
Lucky me, my friends and I are all handy and can fix that shit ourselves. Now I've eliminated those costs, what else do you have to rant about? Oh, nothing? Fucking mindless, subhuman, bottom-feeding faggot redditor. Kys.