real estate general

[Anonymous No.49822202]

>exgf wants me out
>dont want to rent alone at 2k
>150k in the bank
>want property
>get quoted 3.2k/month (5% down for a large emergency fund) for a great place
>pay after tax is 4.4k/ month
>live in ca

situation is not the best, but options are limited. advice?

[Anonymous No.49822235]

>>49822202
Get a tent for $50 and you can live on skid row for free

[Anonymous No.49822252]

>>49822202
This is quite obviously the worst time to buy, doubly so for most of CA.

[Anonymous No.49822266]

>>49822202
leave CA

[Anonymous No.49822286]

>>49822202
If you suck her boyfriends new dick you might get to stay, like a good little wagie cuck.

[Anonymous No.49822294]

>>49822202
third time ive seen this dumb thread
either buy a house or dont faggot

[Anonymous No.49822351]

>>49822202
Leave California.

[Anonymous No.49822357]

>>49822202
>living with your ex
Imagine how much of a failure you have to be

[Anonymous No.49822372]

>>49822202

[Anonymous No.49822396]

>>49822202
>>49822235

[Anonymous No.49822410]

>>49822202
You can put your money in s&p 500 and move to another country like Thailand or portugual.

[Anonymous No.49822420]

>>49822410
spx is doomping pretty hard

[Anonymous No.49822430]

>>49822235
un ironically not entirely opposed to a trailer, but too many possessions.

>>49822266
job is tied to ca.

>>49822294
not exactly the same. anons just wanted to comment on my failed relationship.

>>49822357
yes, major mistake.

[Anonymous No.49822467]

>>49822202
move somewhere cheap for a few months, rent a room for like 600 bucks a month and just get your head straight man. seriously. dont start making big life decisions at the whim of some cunt. get out of that place and clear your head for a bit.

[Anonymous No.49822486]

>>49822430
there are other jobs and you have the financial security to at least take a temporary leave.

[Anonymous No.49822508]

>>49822202
>get quoted 3.2k/month
After property tax, insurance, hoa (if applicable) it will be more like 4k/month

[Anonymous No.49822581]

Its just not a good time to buy a house, honestly.
It will be much better for you to lease for ~1year (2k per month is pretty good for 1b1ba) after housing goes down a little.

DESU in California, you'll only see price discounts on some outskirt areas.
Depending on your income, if you're working tech, you probably earn around $150-170k per year, you *could* get a loan for 6-6.5% which is the current rate going.
But it is pretty suboptimal. While I believe housing WILL go down, I don't think HCOL areas like California will see much discounts.

[Anonymous No.49822597]

>>49822430
Worried about possessions
Ngmi

[Anonymous No.49822774]

>>49822467
very good point. thanks.

>>49822486
my job is very very comfy. took years to find the right place.

>>49822508
taxes, etc already included.

>>49822581
thanks.

>>49822597
you're right.

[Anonymous No.49822831]

>>49822202
70% of income towards shelter? That's crazy!
Don't

[Anonymous No.49823107]

>>49822202
I've been wanting to buy recently. Had to sell my old house I inherited in the city and want to buy a bit more rural with the profits, but I don't know what to believe. Half of people are saying the housing markets going to crash, the other half are saying that prices are just going to keep climbing because people are still buying. If it's the latter, then I want to buy sooner to get the most for my money, right?

I also have to make the decision to buy in cash or get a mortgage, with family encouraging me to get the latter, but I don't know anything about investing and I'd rather live without a debt hanging over my head.

[Anonymous No.49823180]

>>49822831
yes, the idea was to keep the cash and live paycheck to paycheck. 20% is do-able but the payment is still 2.6k/month, but only have 60k for emergency. w/ 5% down, lets me keep a large part of the cash and can walk away if the situation is real bad and get to keep the cash, but not an expert on foreclosures.

[Anonymous No.49823230]

>>49823107
do what you find comfortable. debtfree means you're not a slave to the system.

[Anonymous No.49823280]

Liquidate your possessions. Leave California. Simple as.
>B-but my job
Get a new job or negotiate remote work you insufferable faggot.
All fields fuckwad, stop spamming your cringe garbage.

[Anonymous No.49823308]

>>49823230
That's definitely my line of thinking. I'd rather save on the closing costs and just pay my property taxes + insurance rather than constantly know I'm just essentially renting my home from bankers. The peace of mind sounds priceless.

Downside is I won't have as big of an emergency fund, but if I'm debtfree I can build that fund myself quicker instead of draining from a pre-established one.

[Anonymous No.49823314]

>>49823180
What do you mean can walk away? The house will be worth 30% less next year and you’ll owe a ton of money
Never consider anything more than 30% of income when you count your total monthly expense not just from housing. Why not just buy a mobile home for 50k all said and done? If you don’t care about the quality

[Anonymous No.49823531]

no job is worth living in CA.
for $150k you can easily buy somewhere and start using your skillset either remotly or with a local firm.

but you'll ignore all this advice anyway and keep making stupid decisions like living with an ex. your call really

[Anonymous No.49823600]

>>49822202
research underwater mortgage before you buy.

[Anonymous No.49824221]

Shit pile of homes just came on the market in the in my area. What are you anons seeing?

[Anonymous No.49824525]

>>49823531
>no job is worth living in CA.
yea man, lets all move all out to bumfuck middle of nowhere west virginia! Cleetus loves company, and has all the meth and pyramid cigs we could every need!

where do you live?

[Anonymous No.49824850]

>>49824525
>Cleetus

[Anonymous No.49824884]

>>49822430
You have 100k.

[Anonymous No.49824929]

>>49823531
ah yes let me live in arkansas where the weather is prime and the people are perfect

[Anonymous No.49825030]

>>49824850
you sound mad, cleetus. Smoke another pyramid brand menthol and calm down before you reply again ;p

[Anonymous No.49825079]

don't think I can handle unemployment along with the end of a long term relationship. >>49822467 seems to be the best route.

>>49823308
some people might suggest a mortgage so you can invest your money, but up to you and your goals. debtfree is ideal imo.

>>49823314
>What do you mean can walk away?
take the loss and let the bank evict.

[Anonymous No.49825366]

>>49824525
>>49824929
you can live in 99% of the planet with $150k

[Anonymous No.49825722]

>>49824221
a lot more inventory. lot of price reductions too, but a good amount are retarded reductions i.e. 5k off a 500k property.

[Anonymous No.49825761]

>>49822202
Look the exgf up and wait for the Stockholm syndrome to kick in.

[Anonymous No.49825777]

>>49822202
>>get quoted 3.2k/month (5% down for a large emergency fund) for a great place
>>pay after tax is 4.4k/ month
Can't you hold off for 6 months or so to see what happens?

[Anonymous No.49825807]

>>49825366
You can buy a nice property in Argentina for less than 100k. But then you'd be stuck here with me stealing your lawn furniture.

[Anonymous No.49825809]

How do I short Tranny mental health?
DIS? Any other plays?

[Anonymous No.49825905]

Same here bro.
>living in miami
>va loan 450k
>everything is in an HOA & they need to be accepted by VA (most aren’t)
>can’t find a single decent property
>miami is just going to keep going up

[Anonymous No.49826014]

>>49825807
Based

[Anonymous No.49826023]

>>49822202
>>get quoted 3.2k/month (5% down for a large emergency fund) for a great place

is this to buy? only 5% down?

go with what the anon said with renting a room temp till you clear your head. best decision ever for me

[Anonymous No.49826328]

>>49825905
Get a hard money loan and become a ""cash buyer"".

[Anonymous No.49826682]

>>49822202
why don't you move back in with parents or relatives? save up a bit and buy then.

[Anonymous No.49826827]

>>49822202
Become a wfh chad and move to MS or WV

[Anonymous No.49827155]

If you buy now you will almost certainly be underwater by the end of the year. Real estate moves slower than other markets and the pain from higher rates is only just starting to manifest. Try to hold out for at least another 6-12 months, even if you have to pay rent until then

[Anonymous No.49827215]

>>49824525
>yea man, lets all move all out to bumfuck middle of nowhere
That’s exactly what’s been happening fartsniffer. Idaho, Montana, Colorado, Texas and even fucking Mexico are swelling with cali parasites. It lost population for the first time in history last year.

[Anonymous No.49827580]

>>49824525
You are destined to a life of failure. You can't afford to live in CA let alone enjoy the activities that exist out there. Enjoy your homelessness.

[Anonymous No.49827740]

>>49822202
kill your ex and get free housing from the state

[Anonymous No.49827766]

that monthly is far too high compared to your salary

sorry but your reality is 1200/mo crackshacks

[Anonymous No.49827807]

>>49822202
move out of commiefornia

[Anonymous No.49829110]

>>49822430
>too many possessions
get rid of them

>One mention of the prophecy of Maitreya is in the Maitreyavyākaraṇa. It implies that he is a teacher of meditative trance sādhanā and states that gods, men and other beings:

>«[...] will lose their doubts, and the torrents of their cravings will be cut off: free from all misery they will manage to cross the ocean of becoming; and, as a result of Maitreya's teachings, they will lead a holy life. No longer will they regard anything as their own, they will have no possession, no gold or silver, no home, no relatives! But they will lead the holy life of oneness under Maitreya's guidance. They will have torn the net of the passions, they will manage to enter into trances, and theirs will be an abundance of joy and happiness, for they will lead a holy life under Maitreya's guidance.»

[Anonymous No.49829581]

>>49823531
California haters get the rope
Beta bitches running from their problems muh guns, muh taxes, muh illegals , muh regulations...mofo's that don't produce or invent shit parroting repooblican talking points.
CALIFORNIA could literally be its own WORLD/EARTH and would be the envy of the
galaxy.

[Anonymous No.49829605]

>>49827807
>>49829581
.

[Anonymous No.49829637]

>>49822202
If you’ve got 150k in the bank just buy a nice house for like 400k in Texas or something. Why are you in California where that won’t buy you anything?

[Anonymous No.49829799]

>>49822202
A nice RV in a long term campsite type place.

[Anonymous No.49829854]

>>49829110
Are person would need a microchip or some type of self-assembling Graphene based circuitry to pass the blood brain barrier, into the brain so it could receive frequencies to induce, electronically, that level of happiness. Impossible.

[Anonymous No.49830393]

>>49822286
His new dick?

[Anonymous No.49831048]

>>49825905
buying in miami right now is an insane move

[Anonymous No.49831434]

>>49822202

Sue her and refuse to leave or something like that as chicks do LoL.

Than she can pay you to leave if she really wants.
Extra gainz.

[Anonymous No.49831444]

>>49822202
>commiefornia
Isn't there still an eviction moratorium?

[Anonymous No.49831459]

>>49822581

Why people and companies stay in California? Isn't everyone going to Texas?

[Anonymous No.49831627]

>>49824525
Good,stay the fuck out then, shitskin. I hate you fuckers who act like it’s so great living in calishit or whatever cucked blue state and then flee once you can’t afford to live there anymore. Florida is getting overrun with you shitbirds you need to stay the fuck out, go ruin somewhere else. We are full.

[Anonymous No.49832051]

>>49822202
>CA
sounds great. stay there.

[Anonymous No.49832087]

>>49822266
>>49822351
fuck off you faggots. everywhere else is full anon. sorry.

[Anonymous No.49832133]

>>49823308
if you own where you live then you need a smaller emergency fund, ya dingus.

[Anonymous No.49832140]

>>49822266
>>49822351
>>49823531
>>49827807

STOP ENCOURAGING CALIFORNIANS TO LEAVE THEIR CONTAINMENT ZONE THEY'VE ALREADY FUCKED UP EVERYTHING WEST OF THE ROCKIES.

[Anonymous No.49832153]

>>49826827
>wfh chad
Yes

>WV or MS
No.