If You Make $12 an Hour, You Can Afford A House (Stop Simping For Your Landlord)

[Anonymous No.19714600]

Let's face it. You aren't moving anywhere

and every year you stay in your apartment is money pissed away

$12/hr is about $1500 a month after taxes.
if you're making $12/hr, you live in an area with reasonable housing
if you're making 12/hr, you're already renting a shit apartment in a shit area, so why not just nut-up and buy a house in the same area?
a decent house in an ok area can be had for $110,000
if your Credit Score is 620 and above, that's $3,850 down (most banks even have down payment assistance programs, potentially letting you put ZERO dollars down) with an FHA loan

out the door, EVERYTHING included (interest, property tax, PMI) you'd be paying $650/ month

>$110,000??? that's a SHIT house
first off, you live in a SHIT apartment, so you tell me what's better: pissing away $600 a month to your daddy landlord or pissing away $200/ month to your daddy bank/Gubment while $450 goes back into your pocket in the form of equity

After 5 years of living in your 600 sq for shitbox, you'll have pissed away $36,000 in rent (@ $600/ month) whereas with a $110,000 house you will have over $27,000 in equity

rentcucks are unironically retarded

[Anonymous No.19714609]

>>19714600
Housing crash incoming, thanks for the heads up

[Anonymous No.19714628]

>>19714609
you fags have been saying that since 2015

[Anonymous No.19714653]

what if you lived with 3 roomates and payed like 350$ a month and saved all your money and then invested the rest in stocks

why would you want to live in a falling apart home you put your entire lifes savings into

[Anonymous No.19714684]

>JUST TAKE OUT THE MORTGAGE ALREADY GOY; MY COUSIN MENACHEM NEEDS NEW CLIENTS

[Anonymous No.19714708]

>>19714653
what if you bought a 3 bedroom and rented out the other 2 rooms and payed like $0 ($ sign goes in front ya dumb rentcuck) a month and saved all your money and then invested the rest in stocks

why would you want to live in a shit 3 bedroom, $1000/ month apartment where if your roommates dipped you (and your credit after non-payment/ eviction) be absolutely fucked?

[Anonymous No.19714722]

>>19714600
There’s no way CIA niggers haven’t been instructed to shill the housing market since the crisis hit
The number of posts on this topic just increased too much
I bet something the level of Cambridge analytica will surface except nobody gives a shit about 4chan so it probably won’t but that’s how programmed this looks
Probably ordered from Trump directly in order to pump the market before the November election.
Coordinated by that shit stain that married his busty daughter
Hello Jared!

Get me CIA niggers

[Anonymous No.19714744]

>>19714722
It’s the same autist everyday, just sage and move on

[Anonymous No.19714747]

>>19714653
>$3,850
>entire life's savings

[Anonymous No.19714752]

>>19714708
so you dont have to live in one place for many years and deal with all that headache of renting out to strangers and stuff

you could have an ultra lightweight footprint and just pay your friends 350$ and do whatever you want with the rest and save your 20k downpayment and invsted that instead

[Anonymous No.19714781]

>>19714722
half the reason i make these threads is to fuck with schizoids like yourself

[Anonymous No.19714809]

>>19714747
you only payed 3850$ to move into a house?

where in mexico?

[Anonymous No.19714826]

>>19714600
I’ll be honest with you I have no idea what city I’ll live in 2 years from now when I’ll finish my master. Then I’ll probably have no idea 2years after that after I finish my PhD
Then again after I’ll go work in some research company
Then again after I get into another company to leverage my salary
That’s how my life will work, buying makes no sense for me and that’s how life works for 90% of the people that are here anyway, you’re wasting your time shilling your unrented depreciating houses here

[Anonymous No.19714846]

>>19714684
>just keeping paying the rent money goyim

[Anonymous No.19714849]

>>19714600
>if you're making $12/hr, you live in an area with reasonable housing
lmao

I make $13/hr and start homes are $300k here

[Anonymous No.19714853]

>>19714781
When you cum on Ivankas tits tonight please understand that she didn’t marry you because or your personality

[Anonymous No.19714882]

>>19714752
>so you dont have to live in one place for many years
you aren't going anywhere, rentcuck
>renting out to strangers and stuff
because you'd be living in a 3 bedroom shitbox apartment with people you know but wouldn't with a house?
cognitive dissonance
>you could have an ultra lightweight footprint
this is some unique rentcuck COPE, haven't heard this before
>just pay your friends 350$
or you rent out to them and they pay your mortgage. its pretty obvious you don't want any responsibility. you really DO need to keep renting... this thread does not pertain to people with the mentality of a 13 year old
>20k downpayment
cant read
cant spell

the lower your IQ, the higher your chances of renting. just look at minorities.

[Anonymous No.19714906]

>>19714600
>110k house
lol
houses here are 400k, my split rent is $800 a mo

[Anonymous No.19714922]

>>19714882
>you aren't going anywhere, rentcuck
We’re not all living in nyc you know
Some of us are in very low cost of living by area with nothing to do here, leaving is not an option really

[Anonymous No.19714932]

>>19714906
how many roommates

[Anonymous No.19714948]

>>19714922
are you unironically trying to engage in meaningful conversation with a CIA shill bot? pffttthahahaha wow, you're ge

[Anonymous No.19714956]

>>19714600
did she really get that desperate and laid under such a blatantly desperate loser like you? or why do you keep spamming her here every day

[Anonymous No.19714959]

>>19714932
1, 2015 construction
$787 for split rent, $20 for split utilities
i also got $750 off my first month's rent for the 12 month lease

[Anonymous No.19714964]

>>19714882
ideally there would be a way to rent month to month but each time my 1 year lease expires i leave to a new apartment


>or you rent out to them and they pay your mortgage.

what if i dont want a 3 bed room house in some area i dont like

peoples goals are different

if you only want to live in LA and renting with 5 other people makes sense to you then theres people who do that

you could be loathing your existence because you bought a house in the middle of nowhere and are forced to keep renting it out to people and it becomes a huge part of your life

when each time my lease has expired i am totally sick of the place im living at each time and move to a totally different city and state

[Anonymous No.19714970]

>>19714948
nuinely retarded

[Anonymous No.19714990]

>>19714882
>the lower your IQ, the higher your chances of renting. just look at minorities.
Whitoids are the ones getting cucked into new "luxury apartments" in my area, while I've gained a couple of black neighbors on my street.

[Anonymous No.19715000]

>>19714964
so you have massive amounts of instability

congrats

once again, my thread does not pertain to you. but you'll continue to bitch and moan like a toddler getting told the difference between right and wrong

[Anonymous No.19715013]

>>19714990
irrelevant anecdote

of course you're a nigger

[Anonymous No.19715052]

>>19715000
but most people fall into that category though

renting gives you flexibility

you cant get up and go somewhere else


if your internet in your area sucks you cant say next time i rent ill choose a place with better internet

you just stuck with whatever shit the world throws at you

[Anonymous No.19715082]

>>19714959
well would you look at that, you could get a 3 bedroom and rent out the other 2 rooms for $800 a month

>what if someone moves out?
k, what if your current roommate moves out?

[Anonymous No.19715084]

>>19715013
excellent and informative post oh great supreme white being
My minority neighbors aren't the ones driving their trucks and tractors through their backyards and getting the cops called for 2 am domestic disputes. Call me a gentrifier or whatever but I'm definitely seeking out a historically black neighborhood next house I buy. Shit's cheaper too.

[Anonymous No.19715124]

>>19715052
>but most people fall into that category though
and most people are also brown-skinned retards
>if your internet in your area sucks you cant say next time i rent ill choose a place with better internet
pftthahahahahaha imagine choosing a place to live and make one of the biggest financial decisions in your life based on the quality of internet hahahahaha

you are undoubtedly some third-worlder

[Anonymous No.19715133]

You aren't going to be able to get a solid mortgage with that little income

[Anonymous No.19715155]

>>19715084
lol more anecdotal evidence

I'll stick with the facts: living around blacks is a BAD idea

[Anonymous No.19715165]

hey could you stop making these threads? someone has to pay my mortgage on the house I live in

[Anonymous No.19715172]

>>19715082
That's a 10k cash flow out just for insurances and taxes. Not to mention maintenance and repairs.

>k, what if your current roommate moves out?
He won't move out before the end date. Roommates on the other hand might. Also 1 roommate vs 2 roommates.

I get it, you're betting on the house value to go up in 10 years, but that's speculation. And there are fat middleman fees associated with buying and selling homes.

[Anonymous No.19715176]

>>19715124
what if some nig nog gangsters moved in across the street

just loathe your life and call the police on them every night?

considering were talking about cheap real estate surely you would have significant chance of having to deal with this

the only thing i could see working is if you bought a 3 bedroom house and then rented it to 3 people and then you yourself went and rented where you actually wanted to live

but then u have to pay a management company

[Anonymous No.19715182]

>>19715133
i love when rentcucks come in these threads and pop off their dickblowers about things they have no clue about

[Anonymous No.19715196]

>>19715155
you're conflating inner city poverty stricken blacks with the types of people that this discussion is actually about...ya know, homeowners. Read some books about statistics to learn they don't show the whole story bud. I recommend Freakonomics for instance.

[Anonymous No.19715235]

>>19714600
its less than 1500 a month after taxes because gas tax, sales tax, car registration tax, inflation tax

[Anonymous No.19715260]

>>19715196
historically black neighborhoods ARE inner city poverty stricken neighborhoods pftthahahahahaha what an idiot

[Anonymous No.19715279]

>>19715235
k but that's not how your net income is calculated....

put down the weed

[Anonymous No.19715329]

>>19715176
part and parcel of being a $12/hr human being

[Anonymous No.19715341]

making this thread every day makes you seem insecure about your "investment"
learn to converse with people in a reasonable manner, anon.
inb4 you call me a rentcuck or a retard. i own a house.

[Anonymous No.19715361]

>>19715341
>pwease be nicer
pffttthahahaha kiss my ass

[Anonymous No.19715370]

>>19715329
so if were 12$ an hour wagie why not just find the cheapest rent you can find or potentially with roomates and then save all your money and then save your downpayment

thats what worries me about buying a house i dont want to invest all my money i earned into a house and having that down payment dissapear from my bank account

i just wanna save it and then be a flexible human

sure i have no family but if you had a family then u can do that

but if youre planning on renting out your house you wont have a family either!

[Anonymous No.19715398]

>>19714722
>CIA
>4chan

[Anonymous No.19715408]

>>19714600
I'm not buying your bags until you give me a 75% discount real estate Boomer fuck

[Anonymous No.19715428]

>>19715370
the cheapest rent in most places is $600

also, rent goes up an average of 3% per year.

in 10 years, that $600/month rent is now $800/month whereas the mortgage would be closer to $550 (from $650) as PMI goes away

[Anonymous No.19715450]

>>19715398
not as far off the mark as you may think, moshe...

[Anonymous No.19715457]

Wow the housing market must be on the brink of a complete collapse with this uptick in shilling here. Lol get fucked boomers no one wants your 30 year slave box. On top of how crazy shit is getting, the peace of mind that I can up and leave if the shit hits the fan in whatever state/city I'm in is priceless.

[Anonymous No.19715459]

>>19715428
some bills are included with rent though

if you have 550$ mortgage ( i doubt you can get that ) you have electric and water and gas and internet and insurance and lawn maintenance and appliances

u have a LOT of stuff to pay for

[Anonymous No.19715476]

i'm a rentcuck saving up with my gf (female) and we both have 15/h jobs plus some side reselling. i agree with you 100% OP. we just want a house in a nice neighborhood but we're close to our goal. people who mindlessly rent forever deserve to be rentslaves.

[Anonymous No.19715480]

>>19715408
you have no leverage. boomer houses are paid for. their monthly payment is $300 utilities included and they'll die in their houses then give them to their kids who will
1) live in them
2) rent them out
3) put them on the market for median price

youre not getting a discount, ever

[Anonymous No.19715502]

>>19715476
youre complaining when you and your girlfriend are already splitting an apartment and paying half price?

you guys can do whatever u want instead your going to put all your savings into one house to hopefully get even a little bit cheaper

not worth it imo ur already living like kings

[Anonymous No.19715513]

>>19715459
insurance is included in the mortgage payment

learn to operate a lawnmower you worthless fatboi

[Anonymous No.19715534]

>>19714628
>anonymous image board
>you guys
Lmao stay poor not riding bubbles

[Anonymous No.19715549]

Yeah just wageslave for a bank instead of a landlord, it's way better!

[Anonymous No.19715589]

>>19715513
you had to purchase your own washing machine dude

saving up just that few thousand for a poor person is like a make or break end of the world scenario

you think people have like 50k just sitting around to splurge on devoting the next 20 years of their life to one place

it makes no sense when youre living as a 12$ an hour wagie by yourself

[Anonymous No.19715599]

>>19715549
>completely unaware of equity
ngmi

[Anonymous No.19715658]

>>19715589
>you had to purchase your own washing machine dude
hahahahahha imagine THIS being the reason you continue being a rentcuck hahahahaha holy fuck

>saving up just that few thousand for a poor person is like a make or break end of the world scenario
@ $12/hour, $4000 could be saved up in ONE SINGLE year by putting aside ONE-FIFTHof your *net* income

I'm not surprised at all this concept is tough for you to grasp. you are genuinely retarded. room temp-IQ levels of retardation. I'm embarrassed I have continued to humor you.

[Anonymous No.19715673]

>>19715502
it's about big picture living. i dont want to be in a shitbox forever and i want to have a family with this girl, our children will not grow up in a box in a BLM district. I'm 22 and she just turned 20, my HS sweetheart. we're going to have a front and backyard, no people upstairs or beneath us, no thin walls, and land that is our own. once it's paid off of course, i'd prefer a one and done type payment but at least it can get paid off unlike renting when your money is going to your landlord's mortgage. every time you pay rent youre wasting money that could be put into paying off your own property

[Anonymous No.19715682]

>>19715658
so if were saving 4000 per year and you need 30k for a downpayment

youre already telling someone to work for many years just to reduce their rent a little bit so you can benefit way down the road

when really you could take all that money you saved and put it into stocks or a business and try to reduce your bills you can sleep in your car you can do many things

but if youre tied down to a mortgage youre a permanent wage slave to the bank for your entire life

[Anonymous No.19715697]

>>19715682
>30k for a downpayment
this nigga cant even read

[Anonymous No.19715699]

>>19715673
12 bucks is barely enuff 4 a house but youl be living paycheck 2 paycheck fuck dat

[Anonymous No.19715711]

>>19715699
you'll live paycheck to paycheck rentcelling too

[Anonymous No.19715743]

>>19715697
for a 200k home and 12% which is national average its 24k

putting all that money which took you years to save into turning yourself into a mortgage slave to a bank instead of making a business or investing it

is probably a bad decision because now you threw away all your money into a void so you can benefit by having slightly lower rent

[Anonymous No.19715752]

"12 bucks is barely enuff 4 a house but youl be living paycheck 2 paycheck fuck dat"

-Rentcuck, circa 2020

[Anonymous No.19715761]

>>19715699
we both make 15/h with easy room to grow in both our positions. neither of us even went to college

[Anonymous No.19715764]

>>19715711
U can get Hella cheepr rents wit renting im talkin lyk $800 solo or Ruff Lee $400 wit a roomy that ain't outta pocket

[Anonymous No.19715788]

>>19715743
today, rentcucks learns what an FHA loan is

[Anonymous No.19715840]

Guys im about to have an epic, violent shit in my parents bathroom

[Anonymous No.19715848]

>>19715788
dude taking out a loan is always bad i dont care if its college or to "buy" a house or a car its called being in debt

thats the first thing youre supposed to learn from smart people with money

not take on as much debt as possible

actually if you cant buy the house outright youre too poor for it

[Anonymous No.19715865]

>>19715848

I got 0% interest student loan from which i bought bitcoin at +- 2k. Its called a tax shield nigger.

[Anonymous No.19715874]

>>19715848
yeah debt is always bad but what's the alternative? save money while having inflation eat away at your savings?

[Anonymous No.19715882]

>>19715865
if bitcoin didnt go up you would be homeless the rest of your life

you bet your future on that

>>19715874
no its called investing
not holding cash

[Anonymous No.19715928]

You're at the end of the line real estate cucks. Tell whatever higher up in the government paying to astro turf 4chan that millennials and Gen Zs are broke. Get on with the UBI already. People aren't even sure they'll have a job next week, no confidence at all in being tied down to a 15-30 year mortgage.

[Anonymous No.19715963]

>>19715848
Taking a loan out for a house is as retarded as taking out a loan for a car or school. If you can't buy it right then and there, you can't afford it.

[Anonymous No.19716066]

Total interest paid on a 300000 dollar mortgage over 30 years is approx 167,000. This is the interest so it not building me any equity. This also does not include insurance and property taxes, which do not build me equity. Paying 800 buck a month rent incl utlities on a 1bedroom apt, I could live there for approx 17.5 years instead of putting that into a banks hand. If you include a 5000 dollar property tax over 30 years, is another 150,000 that doesn't build equity, that would house me for another 15 years. I could rent from white christian landlords and ensure my money stays in communities where I want it, instead of giving it to bankers who will invest it for profit instead of ethics. Buying a house makes good sense. But not with less than 20% down (I live in cansada so 20% down means I don't need mortgage insureance, which is a another fee that doesn't build equity) and the intention of building generational wealth. So really, iuf you plan to have kids and a family and keep your house and buy more houses and build generational wealth, houseing makes sense. If you plan to not have kids, just rent because you'll probably die before you see a solid return.

[Anonymous No.19716067]

>>19715882

>if bitcoin didnt go up you would be homeless the rest of your life you bet your future on that

Yes.

[Anonymous No.19716098]

>>19715848
hahahahaha immediately changes subjects after getting outed as a retard

kys

[Anonymous No.19716105]

At the end of the day there are two kind of people in this world
People who value freedom and are ok paying a premium for it and people who don’t understand the value of freedom and end up tied with a husband they don’t want, neighbors that are unfriendly, a house they can’t leave and live stressed out for all their life, placing the streess everyday on those who are “beneath them” like their sons since their father is long gone, the fuck he’s living with this stressed piece of shit

I’ve already lived in a owned house, and I say no thank you

Much better to life wherever the fuck I want on a yearly basis and say fuck you to everybody that deserves it once a year

[Anonymous No.19716134]

>>19716105
Instability: The Post

[Anonymous No.19716246]

>>19716134
>instability
Pretty ironical considering your debating in favor of house ownership

[Anonymous No.19716308]

>>19716134
Get a real argument

[Anonymous No.19716408]

>>19715459
> Appliances are included with house
> Mortgage insurance is for poor people, and even then is factored into the mortgage itself
> Every apartment handles utilities differently, some include none at all
> Yeah, lawn maintenance is on you, the difference is you actually have your own lawn that you can do with as you please

[Anonymous No.19716431]

>>19716246
home ownership is PEAK stability

you're literally arguing for renting because you dont have a foundation in your life and want to be some sort of drifter. you see it as "freedom" whereas any employer sees you as a liability. "oh wow, 5 jobs in 5 years? into the trash it goes"

money is freedom

[Anonymous No.19716453]

>>19716308
>please respond to my essay
not reading that garbage

[Anonymous No.19716545]

>>19716431
travel is one of the largest indsutries in the entire world

people like to move around and go a bit insane if ur stuck at ur same mundane job and town for 40 years its not going to provide relief in any sense

thats why people go on vacations and stuff

[Anonymous No.19716621]

>>19716545
>travel is one of the largest indsutries in the entire world
implying vacationing and being a nomad are the same thing

Pajeet... pls go

[Anonymous No.19716624]

>>19716105
That's deep

[Anonymous No.19716641]

>>19714600
I would have sex with her.

[Anonymous No.19716648]

>>19716621
why wouldnt you travel all the time if youre single

the only reason to own a house is so children can have their own room and places to play outside

and stable environment

even then the parents always try to take vacation days off from work

because theres obviously nothing exciting about tulsa oklahoma

compared to hawaii

[Anonymous No.19716664]

>>19716648
>what is paid vacation

[Anonymous No.19716706]

>>19716664
parents would rather drink cocktails in hawaii still regularly if they could

theyre not loving coming back home to oklahoma when they have to go back to work

[Anonymous No.19716795]

>>19716706
you gonna live on the streets in Hawaii, dumbass? tell me how that works out for you....

Rentcucks are so absolutely retarded they have this fantasy about traveling the world when in reality they are too stupid/irresponsible to even save a few thousand dollars for a down payment on a house.

[Anonymous No.19717122]

>>19716641
she's a virgin

[Anonymous No.19717865]

>>19717122
correct :^)

[Anonymous No.19718087]

>34 stupid posts by this ID

Thanks you janny faggots for ensuring this board is garbage. Reddit is unironically better

[Anonymous No.19718110]

>>19717122
imagine the smell

[Anonymous No.19718113]

>>19718087
>Reddit is unironically better
no shit fuckstick

Imagine coming to 4chan and unironically expecting serious conversation hahahahhahhahaha wooooow you are incredibly stupid

[Anonymous No.19718275]

OOOOOOOOOO

WHAT A FUKIN QUEEN, ABSOLUTE CUM SLUT

[Anonymous No.19718775]

>>19714600
what kind of mental issues do you have to have to:
- makes videos like that,
- buy videos like that, and
- post this thread every fucking day?

[Anonymous No.19718936]

>>19718775
Imagine seeing a thread you don't like and instead of ignoring it like an adult, you actually enter it and type out a reply pftthahahahahaha get a grip

[Anonymous No.19718946]

>>19718936
this

[Anonymous No.19718983]

>>19718936
>what is "sage" in the options box
>implying telling other people to stop replying to the same retarded daily bait is somehow bad

[Anonymous No.19719152]

>>19718983
imagine being so assblasted by a thread that you not only voice your assblastedness, you plead with others to stop replying in hows you no longer have to see said thread hahahhahhahahh wooooow

[Anonymous No.19719564]

>>19714600
Daily reminder that this faggot OP has made this same thread every day for over a month without missing a day. He is a child and a liar, because he will shill buying real estate all day, but doesn't have any himself

OP will never sack up and post time stamped proof of ownership via a title or loan documentation that shows the terms of his alleged loan. At most he will post images of some random house, google results for loan terms he doesn't understand, or someone's random notary page.

Unless you know its time to put down roots with a family right now, stay out of real estate until J-Pow drops the bond yield nuke. There are a lot of people trying to unload bubbled priced homes before they reach their new, lower price. Don't buy their heavy bags.

[Anonymous No.19719590]

>>19714600
Looks like the crash is coming, too many house salesmen. Should have sold a month ago.

[Anonymous No.19719966]

>>19719564
reminder K7Hmpbhb is a pajeet who won't even post his hand disproving he is a stinky brown indian

he copes with being a rentcuck by attacking individuals instead of ideas (ad hominem) because his genetically (evolutionary) IQ is room temp levels

what makes this dumb pajeet even dumber is he thinks more buyers = lower housing costs lmao

[Anonymous No.19720059]

>>19714600
>out the door, EVERYTHING included (interest, property tax, PMI) you'd be paying $650/ month
That's not everything that goes into paying for a house and if you owned a home youd know it. At the very least you have to pay for water/gas/electricity/waste disposal on a monthly basis plus any repairs on the house or appliances. I'm buying a 123,000 home with a 3.25% interest rate and my monthly payment is $800 with internet, power, garbage removal, and a water softener bill on top of that. After gas, phone bill, car insurance, and food you couldn't survive on $1500 a month even if you lived life in poverty mode.

[Anonymous No.19720128]

>>19714722
It's the same guy shilling the housing market every time.

[Anonymous No.19720187]

>>19720059
Mortgage, taxes, home insurance, PMI = $650

utilities + internet = $150

Car Insurance = $40 (sorry if you drive like a dumbass, I pay $29 full coverage $500 deductible on a 4runner)

Phone = $40

1% of home value/month for repairs = $90

$530 left over a month for food/ entertainment/savings/misc

I'm sorry you are piss poor at saving money but adults budget and buying a home is an adult move

[Anonymous No.19720201]

>>19720187
forgot pic

[Anonymous No.19720239]

>>19716431
Ahahah ahahah and why would “an employer” opinion matter to me?
Are you force to work? Slavery has been over for a while you can choose what to work on, who to work with, you house owners are so cucked it’s not even funny

[Anonymous No.19720267]

>>19714600
i just cant buy a $400k house man

everything under $400k here is in the fucking ghetto. i'll pay anything to not live near niggers.

[Anonymous No.19720360]

>>19720239
>why would “an employer” opinion matter to me?
kek, there is a 100% chance you make under $30,000 a year and that is absolutely pathetic no matter what state you live in

you are a dreg to society. literal biological debris. your presence lowers property values, how does that make you feel? to be unwanted?

[Anonymous No.19720386]

>>19720239
Forgot to say that your point is moot because I don’t have to change 5 jobs in 5 years. You’re stuck with your job I’m not stuck which change. I can CHOOSE. I will always be happy with what I end up with because I will have chosen based on the happenings.
You can’t predict shit in this world.
4 our of 5 startups fail in their first 5 years and the one that does will have done it with a different business plan because the initial one failed because you have to be able to adapt in this world.
Darwin said it 100+ years ago already. The fittest survives. Not the biggest, the fittest. You can own everything you want but it’s the ability to adapt that will make you outlive your peers.

[Anonymous No.19720477]

>>19720187
>>19720201
Nice made up numbers retard
>Mortgage, taxes, home insurance, PMI = $650
for an unrealistically low interest rate and taxes/insurance on a cheap house
>utilities + internet = $150
Minimum. Try $250 during summer.
>Car Insurance =
$210/6 months spotless record driving a 2000 civic
>Phone = $40
correct suprisingly
>1% of home value/month for repairs = $90
Lmao ok retard. I'm sure that sounds realistic for a child
>waste removal $25
>gas $120
>food $200
Enjoy living in poverty mode for the next 30 years

[Anonymous No.19720816]

>>19714849
This. The average home price in this state is still a quarter mill and the minimum wage is like 11 bucks an hour. Also seems risky as fuck to take out a loan that when you're making less than like 20 an hour

[Anonymous No.19720852]

>>19714600
I live in NYC though

[Anonymous No.19721753]

>>19720852
apologies

[Anonymous No.19721991]

>>19720477
>unrealistically low interest rate and taxes/insurance on a cheap house
see pic, fuckstick. sorry you got kiked and didn't shop around.
average property tax rate is 0.63% in the US. the tax rate on the house in the pic is nearly double that.

dumb fuck, I should stop my reply right here but I'll continue going in raw with facts and logic, something your dumbass reply completely lacks because you're braindead

>utilities + internet = $250 "during summer"
ok dipfuck, in order to get a decent idea of monthly costs you do something called averaging. I know your po'dunk redneck retard brain had a tough time in math class but let me explain
https://callmepower.com/faq/electricity-prices/electricity-prices-per-sq-ft#monthly-expense
~$100/month for electricity for the size of a $110,000 house
~$20/month for water
if you're paying over $30 a month for internet LMAO @ you. bundle your phone and internet, dumbass

>Car Insurance = $210/6 months spotless record driving a 2000 civic
easy there Raul, no need to prove yourself to me

>1% of home value/month for repairs = $90 - Lmao ok retard. I'm sure that sounds realistic for a child
unironically kill yourself
https://www.discover.com/online-banking/banking-topics/how-much-should-you-budget-for-home-repairs/

>gas $120
sorry you drive an uneconomical shitbox
>food $200
ohhh noooo, the horror
>Enjoy living in poverty mode for the next 30 years
you're making $12/hour you absolute fucking moron hahahahahahaha not exactly a rolling in dough

everything accounted for, you are left with over $300 a month to save for miscellaneous shit. ON TWELVE DOLLARS AN HOUR

just get rekt you stupid fuck

[Anonymous No.19722094]

>>19721753
Still I am thinking of buying a duplex in Jersey or PA and maybe renting out half of it

[Anonymous No.19722098]

Based housing shill dabbing on the rentcucks

[Anonymous No.19722495]

>>19720386
>I will always be happy with what I end up with because I will have chosen based on the happenings.
what an absolute retarded thought process hahahahha PEAK woman logic

LOL @ you defending your job hopping as some sort of evolutionary "trial and error" bullshit. you're absolutely insane, batshit crazy

[Anonymous No.19722591]

>>19714600
>a decent house in an ok area can be had for $110,000

stopped reading right there. Yes a $600 apartment is not great but it's FAR better than a home for the equivalent price.

Pic related is what you get for $115,000 within a 100 mile radius of phoenix,az. I would much rather pay $600 for an apartment in a good area than own a shithole house in a nigger/spic infested one

[Anonymous No.19722656]

>>19722591
>a lying rentcuck
wow, I'm so shocked

[Anonymous No.19722710]

>>19722656
coolidge is a war zone and that's a mobile trailer not an actual house but nice try

[Anonymous No.19722745]

>>19716431
>thinking in terms of "employer" or "work"
Fucking kek. Poorfag mentality

[Anonymous No.19722827]

how can someone be so smug and be such a cuck for belle delphine of all people.

[Anonymous No.19722839]

>>19722656
There are better houses in Tucson.

I mean I would consider it but if I did want to move it's not easy to get rid of a house.

[Anonymous No.19722864]

>>19722710
>mobile trailer
go ahead and show me some proof of that (you wont)
>coolidge is a war zone
you live in a $600/month apartment in Phoenix hahahahahhahahhahaha

[Anonymous No.19722868]

housing is a bubble, but only locally to the location of the house. every area has it's own bubble with many different things that will cause it to pop. do not buy an over priced home in a suburb, buy an average one in an average area with a growing population that isn't entirely urbanized. as time goes on value goes up. do not buy a house in a shit hole that's over priced and old as fuck and needs work because that's just a waste of your existence

[Anonymous No.19722882]

>>19722864
>>mobile trailer
>go ahead and show me some proof of that (you wont)
that guy is retarded but your pic is a frefab "house" basically a box that can be put on a flatbed and shipped.

[Anonymous No.19722888]

>>19722745
>thinking in terms of "employer" or "work"
you type like an fucking moron

[Anonymous No.19722911]

>>19722882
based

[Anonymous No.19722915]

>>19714747
This was the only funny in this thread

[Anonymous No.19723330]

>>19721991
I dont make $12/hour retard. Nothing you claim is realistic which is plainly obvious to anyone who knows what the fuck they're talking about. I'm giving you actual figures of what I pay in one of the lowest cost of living and lowest housing prices in the u.s. with some of the cheapest bills for a young man possible after shopping around and all you have to back up your claims is some google searches. Power companies fuck you with no recourse so you're not averaging $150/month especially including internet, you aren't paying only $1100 a year to maintain an entire house you actual brainlet, driving 60 miles a day is not unreasonable when you live somewhere even a little removed from niggers, and even if your figures weren't bullshit $300 to get by after monthly bills are paid is fucking nothing. You will never get ahead of your debt at that rate retard.

[Anonymous No.19723505]

>>19723330
>I'm giving you actual figures of what I pay
take your anecdotal evidence and shove it up your ass you total fucking retard, I'm giving YOU facts and backing them up with sources. i don't give a single fuck what some backwoods idiot is paying

[Anonymous No.19723581]

>>19723505
>lol who cares what an actual young man who's actually bought an affordable house in an extremely low cost of living area actually pays for the things you need to own a house
>I've found internet pages saying it can be done for an unrealistically low price and I'm going to shill that idea as hard as possible
Lmao carry on brainlet. Enjoy your eternal debt slavery.

[Anonymous No.19723773]

>>19723581
>what I pay is exactly what EVERYONE will pay
you are incredibly stupid

[Anonymous No.19723875]

>>19714600
I make 16.50 an hour and could barely make bail. Shits rough out here when you got debt

[Anonymous No.19723940]

>>19722827
Belle gets too much unwarranted hate.
she is unironically based

[Anonymous No.19724284]

Market is gonna crash.

[Anonymous No.19724430]

>>19724284
then it will recover

regardless, I will continue paying my cheap mortgage

~~*Did You Know*~~

Rent increases on average 3% a year

in 30 years, $900/month rent will be closer to $2,200?

in 30 years, my house will be paid off and I'll pay ~$300/month for property tax

[Anonymous No.19724708]

>>19724284
second corona wave is going to finally crash the market. early 2021 is going to be a bloodbath

[Anonymous No.19725218]

>>19714600
I did this when I joined the navy. I got a shitty apartment for 9 months while I was getting settled and then bought a shitty house right before deployment and "rented" it out to lots of my coworkers so we could all keep collecting housing allowance while overseas. Shit was cash. Then I lived in it until I had to move, and now I rent it out to similar navy people who want to rent a house rather than an apartment, and it's been accumulating equity pretty reasonably over the last 6 years. Plus it appreciated in value quite a lot.

It's definitely a viable strategy, especially if you either have access to special lending programs like the VA loan or are going to stay in the area for at least 5 years. In five years, paying a little bit more than the minimum, you'll accumulate more equity than you'd think and your minimum payment will shrink over time (for example, on my $750 minimum mortgage payment, only $200 of that goes to principle, the rest goes to interest and taxes/insurance. So I pay $950 a month and double what I'm paying on the principle, which is basically doubling my payment each month in real terms. If I stick with that, I'd pay a 30 year mortgage in LESS than 15 years, considering interest falls along with the principle. If I live there for five years, you wind up with something like 30-40% equity very quickly and can turn that into a downpayment on a nicer house very easily, while you focus on improving your career).

Starter houses are great, everyone should get one asap when they get started on a career.

[Anonymous No.19725231]

>>19714600
I make 19.10 an hour and can barley afford a studio live in San Diego cuck