/biz/ - Business & Finance

I don't see any granite, sorry.

>never being more than 10 feet from a wall with a nigger sleeping on the other side

>>17214234
That's the same tile I have in my shitter

>>17214234
No, I have marble & hardwood flooring instead.

>>17214234
fake wood. u got scammed faggot

>>17214234
Anyone who rents is retarded.

>thanks bro but my dirt floor is just as good

>>17214234
>Paying each month to live in a place he doesn’t own
Kys retard

>>17214993
anybody who makes generalizations about renting vs. buying like this is retarded

>>17214234
I had an apartment like that and could hear my neighbors snoring

>>17215016
>shorting crypto instead of the place he doesn't own anwyays.

>>17215025
Renting is objectively retarded.

Pay 3k a month for a loft I rarely even in due to constant traveling

>>17214234
The floor is uneven. Probably done by a shit contractor.

>>17215039
Instead of buying a house you’ll make more money if you just rent and put the rest into investments.

>>17215062
This is what 95% of people don't understand.

Nice floor

>>17214234
>not even real wood boards
>same pattern duplicated all over the place
>corner isn't even 90 degrees
>hasn't killed himself

>>17214234
this is textbook bear gains
>single but prob pays for sex
>overpriced condo rent
>new money aesthetics
>urban lifestyle
>weak gains

>>17215039
Buying a home to live in is a poor financial decision majority of the time. You do not understand anything

>>17215016
This.

>>17215062
Unless mortgage and property taxes are lower than an equivalent rental yeah?

Additionally a house is equity that builds over time and may be subject to a rise in value. It's a safe investment (usually) that you can use.

Best case for buying however is renting out the unit to cucks like yourself to pay off the mortgage & profit

>>17215062
If i want to put a hammer through my wall for aesthetic reasons, i don't want to worry about some faggot jew taking my rent deposit because he doesn't like his investment property looking nice.

I have that plastic shit in my apartment and hate it. Feels gross, sounds weird, hard to clean, literally not a single good thing about it. Wish they'd have spent the little bit extra for linoleum tiles like in hospitals. I can't stand the matte finish.

i'm getting antshares vibes

>>17214234
>he isnt a gud boy who lives rent free with his parents

>>17215205
based

every week money saved on rent or mortgage goes into the next 100x mooncoin

>>17215062
This. Last year we sold something big and had a lot of money; enough to pay off our mortgage.

We debated for a week whether we will just pay off the mortgage or open a business. We chose the latter because sitting on a paid home is "safe" and it feels great but we could make so much more with investing.

>>17215128
I understand more than you do. Enjoy throwing money out the window to parasitic landlords.

Do they sell a metal floor look?

I really hate the wood look.

>>17215319
>We debated
based schizo

>>17215062
yes based thank you.

Everybody on here is always trying to come up with a hard rule on renting vs. buying. The truth is everybody needs to run the numbers for their own situation and figure their actual return on buying a place vs. renting and investing the down payment

>>17214269
god fucking damnit thanks for ruining my apartment for me, now I'll never be able to relax

>>17215482
Buying a place is better. You actually get something in return as opposed to paying a kike just eating into your pocket.
>>17215319
mortgage is not rent you stupid fuck

>>17214234
OP is a fag

>>17214234
what shit build quality. look at the gaps between the floor and wall. you can fit a few wood shims under there

>>17215597
How did you ever afford this?

>>17215062
plus u dont have to worry about maintenance and all that shit

>>17214234
Cheap composite flooring. Good job cuck.

The honest truth is it is really hard to tell if renting vs owning is the better buy.

30yrs is a long ass time. My parents have spent a fortune a homedepot maintaining their home and they do all the work themselves! If they put that money in index funds it would be a lot of money.

>>17215147
yes buying rental property is a good investment, but chances are if you want to live in a decent place it is going to make more sense financially to rent. This is especially true in expensive city markets.

>>17215016
>buying a house before getting married/having kids

prime school districts are volatile, have fun getting locked into a school district that experiences a brown v board moment.

>>17215579
I like real estate as an investment vehicle but based on where you live you might find it's more optimal to rent your own place and buy cheaper/shittier rental properties that you rent out to tenants. Buying a duplex/triplex to live in and rent out is also a good strat if you can find one you can afford in an area you want to live in.

Also just so you are aware the first few years of mortgage payments go almost entirely to interest, so you don't begin building any actual equity in your house through loan paydown until many years into a mortgage. Yes the interest is a tax writeoff, that is one advantage

>>17215813
that's tile you id

>>17215376
fuck you

>>17216006
this is another good point, volatility on expensive homes is underrated for reasons like this. A bunch of guys in my office just got fucked by a school redistricting and lost an estimated $100k overnight on their mcmansions

>>17215376
I'm laughing my ass off, underrated comment

Need to invest and want a roof?
Can't NEET at home cuz you stink?
Buy a van you twinks.
No one you can bother and vice versa.

>>17215062
this is only true if you leverage your investments. mortgage is forced leverage and forced savings. this is why 99.9% of people are better off buying a house. if you only investing without at least 2x leverage then you are losing money with this approach vs home purchase with leverage.

>>17216167
yes biggest advantage of real estate is cheap leverage, but this doesn't to be the place you live in. You could rent your own residence and buy townhomes in cheaper areas that will cashflow better

>>17216242
>>17216167
I suppose your 99.9% stands since most people won't do this, but 99.9% of people aren't on /biz/ either

>>17214234
i actually have this in the bay at 25y/o and am still depressed and alone lol. 900sq ft at least.

>>17216121
insurance
plates
registration
inspections

>>17216071

Hilarious how they can cut your house value in half just by filling the schools with more sub humans

>>17215482

This is the first thoughtful, sensible, and reasonable statement that ive read on 4chan in years.

>>17215025
You yourself just made a generalization, and are retarded for not realizing it, more retarded, because you will try to argue that you did not and that you are not in fact, retarded.

>>17215039
But buying at the top of a decade long bull market isn’t?

oh god one of these retarded threads again

look if you want to retire in your 50s then go invest in real estate

>>17216121
Gas fumes from gas tank evaporation, get cucked vancuck

>>17216703
Bruh that shit is so accurate, they filled my grandparents neighborhood with border hoppers starting 10 years ago. Was a nice middle-class neighborhood then, now it might as well be Mexico. My grandparents legit told me they are glad they won't live much longer.

>>17214234
The base molding is clearly not flush with the floor, and seems almost plastic.

Even if that wood were real it still looks shit. Whoever started the stupid overcast palette has unleashed a hideous fad ruining a decade's worth of new homes.

>>17216025
>principal paydown is what build equity instead of appreciation
Retard detected. All my loans are interest only.

>>17214260
I love You FrenchBro

2020 the year we hobbs make it

The jew landlord will keep your security deposit when the thin verneer scratches and the flooring begins to delaminate in the scratches.

does my moms basement count? it has granite countertops and everything

Are you niggas really out here bragging about your floors? I'm laughin