/biz/ - Business & Finance

>>13285019
It's shit! Why even bother?

>>13285019
>tiny houses
You mean cuck sheds? If you don’t have any kids to raise in it that’s what it is anyway.

>>13285019

Billions of western boomers are going to die off in the next 20 years and property prices are going to tank. That is why they import millions of niggers and fill up all cheap rentals, to artificially drive up the need for and the price of their homes.

>>13285019
just enough room for a dog.
perfect.

>>13285019
air bnb for those who cannot aford a hotel
uber because millenial cant affort taxis
tiny houses because central banksters daelay credit cycle and fuck our generation over big time

>>13285019

You realize you can just get a manufactured home right? They're built to code with actual house materials and have been since like 1976. Why buy some meme made by hipsters for 60k+ when you can buy a manufactured home (trailer) for like 38,000 including the fucking AC, delivery, and setup (and around 1000 square feet for a single wide). You can get a fucking FHA for them too, just gotta put them on a permanent foundation (2500 for a single wide).

$38,000 for single wide (stone base before memes like granite counter tops, high end trim, etc etc)
$2500 for foundation
$1500 for utility hookups
$25000 for like 2.5 acres with all utilities present.

$67,000 all in.
Should be around ~$450 a month if you have to finance or just pay fucking cash and sell it later (as they hold their value if you deed them to property).

"Tiny homes" are just trailers for people who want to spend the same money, for less benefit, because they're afraid to look poor.

-t former manufactured home sales person who once sold a single wide to a man who made $357,000/yr after taxes, and once saw a man who owned 2300 acres chimp out because he paid more for an RV than what I could have sold him to live in while he general contracted his house.

>>13285127
This but I want a Aframe with a basement

>>13285127
What if i don't care about looking poor or rich and I simply like living in a compact and small household? I'm living in a studio apartment right now and couldn't be happier with the amount of room I have, I just want to move away from the city and have my own place to shoot. Texasfag here btw.

>>13285148
Buy the fucking singlewide. I will always hate myself that I didn't buy one with employee discount because I memed myself into holding out for more land. When I was a 23 year old zoomer I thought I needed 50 acres to be comfy. Now as a 26 year old doomer I realize that anything over 5 acres is hell on earth to try and take care of solo.

Palm Harbor, Solitaire, or Deer Valley for the highest quality. Get pre approved through your own lender (and get all credit conditions in), and avoid vanderbuilt mortgage like the plague, and you'll get a smoking deal. 70% of the work of a manufactured housing sales consultant is getting the customer to get their loan conditions (proof of employment, w2s, etc etc) to the loan officer, and if you come in ready to do the deal that day, you'll make people very very fucking happy.

Singlewides resell better: spring for a metal roof too if you just dont want to give a fuck.
-t Okie

>>13285037
unironically redpilled as fuck

>>13285211
I've been looking at sub 1k sq ft modular homes to just buy up front because they're cheaper than stick built, so no mortgage. should I go manufactured instead? is there any unforeseen downside with manufactured vs modular?

>>13285309
A proper manufacturer (who doesn't force you to only buy off of the lot and allows you to custom order) will let you order in what you want. You can get any structural upgrades to a manufactured that would make it go modular. Real talk, if you're paying cash do not even think of going modular. It'll add 5000+ for engineering stamps, permitting and bullshit structural changes. More often than not, manufactured will exceed local code anyway (but manufactured will not get the engineering stamp so it all has to be done in a certain way). Spend the $2500 for concrete runners poured to frost depth (and for the love of God avoid vinyl skirting) and you have no need to go modular. Realistically, the only time you should go modular is if there is an appraisal issue (on a loan) or if you are building a triple wide.

This also allows you to sell the trailer off for %60-70 of your original cash value in 10-15 years time if you want to build a site built home as manufactured will not encumber the land (well it would if you financed and went FHA/VA/RD, but really cash is the redpilled option if you can swing it). In this specific scenario you are also protected from divorce, as if you have land paid for in cash prior to marriage, it cannot be taken. Technically neither could the trailer, but you could be a glorious winged faggot and toss your ex the trailer and tell her to drag it away. I've seen it happen, and it's hilarious.

The ABSOLUTE turbo jew way to go is to get a home only chattel mortgage on just the single wide: with 720+ credit score you'll get a 6%, but you're paying 2% for the comfort of knowing that if you get foreclosed they cannot take your land.

Having walked through the factory and seen the homes being built, they are essentially stick framed houses on pier and beam foundations. People just view them as disposable so via law of averages they don't seem to hold up as well under the public eye.

>>13285309
Oh, and please understand that each manufacturer trains their sales associates to a certain standard. They will all have a certain "process" they are forced to follow, but realistically if it's from a good brand you're safe with any of them. Don't trust the greedy fucks though, the price is negotiable as the store makes money down to what amounts to $1 of gross profit for a sales associate. The sales associate is in control of their own pay, so to speak. I was always very fair since I made sure people knew exactly was going on, and handled the process like a general contractor. Other dealers just enjoy raping people on price because most buyers go for payment. Watch the site work bids, and you'll be golden (like when working with ANY general contractor). If you think you're getting screwed just go to a different company. Chances are they have a similar floor-plan and can match the colors and finishes anyway.

>>13285019
at least they're detached?

I plan on never buying a house and just living with my future girlfriend or wife’s parents. They’ll have no choice because if I knock her up I’m not paying for that
>>13285211
My parents are spending all their fortune on land. I know they’re not going to take care of it either, our house is a mess.

>>13285534
Rent the majority out of the land out to a hay farmer. He'll take care of it, and you'll get $38 / acre per year for your boomer parents to pay property taxes and pay some fuqqboi to do their lawn.

>>13285594
interesting and good info. thank you.

>>13285019
where do u buy a tiny house?

gimme a site example, wanna see a quote

Good for farming upvotes, at least until even reddit realizes they're retarded.

>>13285031

>>13285393
>>13285211
Thanks for all this info. I am a resident physician going to make $300,000 in a few years. Been looking to buy 10 acres in a rural area and put in a manufactured home on while I save up money, then build my dream home behind it

What is my best option? Where do I find a dealer? Google maps is just giving me trailer parks.

John Oliver told me they depreciate in value...

>>13285019
Might as well convert a school bus

>>13285911
manufactured homes are unironically trailer parks.

>>13285464
Looks like every house on every street in my hometown. God I fucking hate them.
The size of a matchbox, pebbledashed walls look like shit and make a mess, obsolete satalite dish that no one takes down.
Every damn house like this looks like a fairground funhouse when you measure the walls.
My friend is looking to buy a house and he keeps sending me links to buildings that are so old, small and shitty. I can see where the horses were kept and the 6 1/2 by 5 foot room the drunk stable hand used to sleep in.

Dont get me started on the people who live in these buildings.

>>13286086
I know. I am looking for a place that sells them

>>13286109
>>13286109
http://avrame.com/
unironically nicer then trailers

T.lived in a doublewide with divorced parents

>>13286128
Looks good. Thanks!

>>13286128
Anything similar in the US?

>>13285019
Rich people culturally appropriating lifestyles of the poor.

None of this makes sense unless you're unemployed. There is a reason land is expensive where the jobs are and cheap where the jobs aren't. And if you're unemployed you're either a trust fund baby who can get mommy and daddy to buy himself a mansion or you're poor in which case you should find a job and pay a little more rent.

>>13286235
Yikes

>>13286128
they look okay, whats the construction price typically tho, another 5k?

>>13286341
>>13286190

http://www.avrameusa.com/index.php/kit-options/

Idk how much contractors would be probably depending on where you live up alot of things could be done with by yourself

>>13286369

looks cool

>>13285037
The capitalist elite import niggs to make labor cheaper.

But i agree it also benefits boomers because immigrants pay their pensions and maintain real estate high.

>>13285094
sum ting wong?

>>13285127
Based and Housepilled

>>13286128
Yea this looks awesome, anyone know anywhere to eat actual pictures and not just the company CGI tours of what these look like when they’re built?

>>13285127
Yeah I was initially interested in tiny homes because I assumed they were super cheap. That was completely wrong and now I just want a comfy trailer.

The redpill on tiny house living is that they were invented by Californians living in major cities as a means to save a shit ton of money on housing costs. It's the poor mans RV essentially. You can buy one for around $20k with everything depending on who you buy from. The main reason for ppl buying them is to save money instead of spending it on a 1500 sqft house costing them over 1mm in the process. Apart from the American west coast, tiny houses are a meme that can typically only be found there.

>>13285127
Is there a trailer property without white trash?

>>13285037
>Billions of western boomers are going to die off in the next 20 years and their adult children will finally move from the basement to the main living area.

ftfy

>>13287946
Correct

>>13287836
buy land then put a trailer on it

>>13287946

Have you seen the population statistics? There aren't enough kids and grandkids to prop up this system. The white population is going to get HALVED in the next 20 years. Now let that sink in a minute and what importing shitskins with a 6.0 birth rate does.

>>13285019
When you live in a high cost of living area but work as a coffee shop barista because your meme degree didn't pan out, but you still want to give the appearance of an affluent lifestyle you gotta cut back somewhere. And avacados ain't getting any cheaper so buy a 1 room shack.

They're an attempt to enable millennials to get a piece of middle class living before the opportunity evaporates. It's actually fairly clever.

>>13287982
And this is why its a good thing.

t. BuzzFeed

>>13285127
>>13285211
>>13285374
>>13285393
>>13285594

thank you for the info, anon, awesome stuff

It's basically the final pill you can swallow. When I can afford this I cash out and never look back. I have a long way to go but I WILL make it.

>>13285037

Hey goy I mean guy you cant talk like that it is racist

The exact same thing as a traditional mobile home but five times more expensive and with less well thought out construction and building materials.

The literal only reason to do this is because you don't want the stigma of "living in a trailer" even though that's what you will be dong. Living in a trailer is thought of as low class. Living in the exact same thing that was made without a good production design process is "cute" and "edgy"

>>13285037
Are we reanimating the dead and killing them again? Cause there aren't a billion Westerners in the world let alone old ones.

>>13285211
>live in the netherlands
>ever owning a piece of dirt
KEK

>>13285019
https://youtu.be/cd4-UnU8lWY

>>13287982
Be happy about it you bigot white supremacist.

if the house is at least greater than 400sq It's not bad. Really think about it.
>bigger house = more electricity + more stuff to buy to fill
Faggots will larp but experience shows otherwise it's not that bad in fact quite comfy if you go the minimalist route.

Additional time energy and funds can be spent on building up your assets while you slang art hoes and play vidya at a fraction of the cost

>>13287982
b-but the boomers will all die right?
a-and real estate will be cheap for zoomies then r-right? I wont lose my job to ai and Indians and I can buy a house then ofc

>>13285019
we have been fucked by literal boomers so hard they sell us stylized garden-sheds instead of actual houses now

>>13286235
This. Go live in a tiny shed away from society as an acknowledgement that nobody wants you, you don't produce anything of value to anyone, you're a worthless outcast, a defect. Now only if the homeless would also remove themselves out of sight.

>>13285019
They're homes, but tiny. Ever ate breakfast and felt like the experience was lacking in the stench of your own feces while tripping over your own bed that you are too lazy to turn back into a couch?

That's a tiny house.

>>13287968
Interesting. Can it survive a hurricane blast?

>>13287968
Also. It seems like all around me is homes for sale. How do you find blank property?

>>13285127
Based
I was looking into moving /out/ and don't want some shit overpriced farmhouse
Just want 100 untouched acres and a trailer then maybe build a cabin after I assess what I exactly want to do with the land

>>13286587
This hasn't been true since the 90s. Nogs are imported as a loss, min wage keeps rising even in the US and they're not competing for the white collar positions in demand. The purpose of immigration is to:
- help leftist parties win elections (remove immigrants, and all leftist parties in all western countries would struggle to reach 30% with their current platforms)
- encourage infighting within the population (no united front against increasing authoritarian measures and the growing gap with the super-rich)
- increase GDP projections (through pretending a 70 IQ somali will have the same economic output as a 110 IQ native)
- keep the ponzi economy going (immigrants come debt free and can be shackled with fresh new debt, car loans, house loans)
- serve local real estate scams (billions of dollars and euros of tax money is funneled to well-connected property managers at a much higher rate than the market)

>>13286128
>http://avrame.com/
this shit is cool as fuck
and cheap af too

>>13285374
>>13285393
sorry for the late reply, went to bed. thanks for the knowledge fren

>>13288947
A study made in western Europa concluded that an increase of immigration of 1%, decrease wages by 1.2%.

If wages are slowly rising, it's because they should rise even more without immigration.

It's cope

>>13288494
this

I am a single dude(virgin.) I don't consume that much. I'm in one room. I don't need a yard. I don't eat outrageous amounts of food. I actually fast 3-4 days a week.

All I need is a bathroom and a kitchen. Laundry I only wash clothes once every 2 weeks.

Internet of course.

Why do we need to spend so much to have 4 walls and a roof utilities and internet, outside of a bad neighborhood?

>>13288338
thanks reddit

>>13285534
Based and leechpilled

>>13285127
why the fuck would anyone want to live in a trailer though. It looks like shit.

>>13289621
NPC detected. Hyperbole seems to confuse them

>>13289674
don't live in a trailer then

>>13286235
You know so little wagie.