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Forum » How do people afford to buy a house?
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Thread: How do people afford to buy a house?

post 1462061993 09-13-2016, 10:44 AM
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#31
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Originally Posted By Omnivium⏩
I don't even see the point in buying a house if you're a young single guy. I'm just gonna rent and use my money for other things. I'll buy a house if I get married and my wife would help me pay it off
Tax break bro. All my principal interest is a tax write off. You don't get **** from renting.
post 1462062123 09-13-2016, 10:46 AM
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Originally Posted By thc
-Marry someone making a 100k a yea
-buy a house
-focus on being a good husband
-divorce after 10 years
-keep house
-alimony payments for life (most states after 10 years will give you alimony for life or until remarried)
-profit
-wait women do this all the time.
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post 1462062523 09-13-2016, 10:49 AM
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#33
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You don't.
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post 1462063503 09-13-2016, 10:56 AM
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#34
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Bought my house last year for 130k
I'm content with it for my first home.
3BD 2BA nice fenced in yard w/garage

Hopefully next home will be on a little property outside of the city limits. Trying to walk out on my back deck and urinate whilst firing a pistol simultaneously. #goals
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post 1462063543 09-13-2016, 10:56 AM
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#35
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**** that. Go out in the country and buy 50-100 acres and plop a trailer on it for less than $100k. Build your house as you go

Something like this would be nice to build onhttp://listings.listhub.net/pages/NN...el=secondspace
post 1462065673 09-13-2016, 11:13 AM
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#36
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Bought my house in 09' for 305k. It is now valued around 430-ish? Sadly even though I make a lot more money house are money pits and things come up. BRB my air conditioner goes out, don't worry that is only a $900 fix.
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post 1462066473 09-13-2016, 11:19 AM
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#37
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I cashed in some of my bodypoints to buy my house....no ragrets
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post 1462066613 09-13-2016, 11:20 AM
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#38
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it does seem overwhelming, for me the hardest part is deciding where i want to buy/settle down

when i do buy, it will either be a place i can renovate, or new construction

dream is a older Victorian style house to restore and add some modern amenities but still have beautiful retro'ness to it
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post 1462067083 09-13-2016, 11:24 AM
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#39
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60k salary and 300k house, lol you should be feeling blessed

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post 1462067113 09-13-2016, 11:25 AM
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You can if you don't want a nice car and have no student loan debt. Our house was $360k and with a lot of stuff to fix up and having a child, it's a stretch for us because of high Illinois property taxes($900 a month). We both make about $100k a year.
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post 1462067233 09-13-2016, 11:25 AM
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I bought a house last year and already gained like 20k equity without touching it. Starting to bubble a little bit again here.
post 1462067323 09-13-2016, 11:26 AM
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#42
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OP you sound unintelligent so its a great thing you do not own a house.


I say you're unintelligent because:

-Living in an area were housing is 300k+
-Making 60k a year.
post 1462067563 09-13-2016, 11:27 AM
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#43
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Originally Posted By E90335i⏩
it's a stretch for us............We both make about $100k a year.
you both make $100k and its still a stretch?

fml time to go buy powerball tickets
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post 1462069173 09-13-2016, 11:40 AM
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#44
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A big problem I see is couples base their affordability on both incomes. In liberal areas, property taxes are high, and definitely not going down anytime soon. A couple has kids, mom cuts back on working, and daycare becomes a necessity. Even if you do everything right and have a high income things get tight.

Student debt payments, property taxes of $1000/month or more, hoa fees, and stagnant wages are a big problem. I think a lot of people are buying too much house.
post 1462069353 09-13-2016, 11:42 AM
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#45
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Originally Posted By turdburglar9021⏩
A big problem I see is couples base their affordability on both incomes. In liberal areas, property taxes are high, and definitely not going down anytime soon. A couple has kids, mom cuts back on working, and daycare becomes a necessity. Even if you do everything right and have a high income things get tight.

Student debt payments, property taxes of $1000/month or more, hoa fees, and stagnant wages are a big problem. I think a lot of people are buying too much house.
That is a good point... Also need to think about all utilities that are going to be involved ect....
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post 1462069473 09-13-2016, 11:43 AM
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and dont forget HOA on top of mortgage payments when calculating affordability. hoa is a bish at times. im still learning this all because i realize buying is the smart fuking thing to do, but yeah theres somuch chit to it
post 1462070413 09-13-2016, 11:49 AM
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#47
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Simple answer: Move to the country...cheaper housing and you get way more for your money plus you don't have to deal with yuppies drinking craft beer and hipsters growing chitty beards.
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post 1462070803 09-13-2016, 11:52 AM
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#48
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tfw the decent homes in my area is 700K. i probably wont buy since i'll get raped with property taxes
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post 1462071023 09-13-2016, 11:53 AM
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#49
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Get a VA loan. 0% down. Lower interest rates too. No PMI either.

Hehe
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post 1462071143 09-13-2016, 11:54 AM
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#50
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Originally Posted By thc
-Marry someone making a 100k a yea
-buy a house
-focus on being a good husband
-divorce after 10 years
-keep house
-alimony payments for life (most states after 10 years will give you alimony for life or until remarried)
-profit
-wait women do this all the time.
could be on to something here brah
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post 1462071293 09-13-2016, 11:55 AM
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#51
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Originally Posted By jwlee7ucla⏩
If you go with an FHA loan, you only need 6K downpayment for a 300K home.
You need 3.5% down for an FHA loan which would be $10,500. Then you'll have to pay 1 or 2 points for the loan fees and such. FHA is pretty much the only way people can get into homes nowadays unless they make good money and aren't in ridiculous debt due to CC, school loans, auto loans etc. Of course you'll have a higher mortgage payment due to putting less down and you'll also have to pay mortgage insurance but getting into a house isn't all too difficult if you're not a potato. Also, like others have said, Location is key.
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post 1462071323 09-13-2016, 11:55 AM
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#52
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Around here, you can own a 2000+SQ FT house for the same monthly price you'd pay to rent a relatively new 900sq ft apartment.
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post 1462071553 09-13-2016, 11:56 AM
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Whatever you do, do not pay off your mortgage early. That money can be better spent being invested.
post 1462072373 09-13-2016, 12:01 PM
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LOL @ all of the poverty brahs in here, he is talking about DECENT houses in DECENT areas, not your dump in the middle of nowhere for $150k LOL

bottom dollar decent house in decent part of the US is $300k++++
post 1462072533 09-13-2016, 12:02 PM
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Originally Posted By _zman⏩
Get a VA loan. 0% down. Lower interest rates too. No PMI either.

Hehe
but then he has to join the military....

i will say that the smart military bros used their BAH wisely and bought their homes early in their careers
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post 1462073323 09-13-2016, 12:07 PM
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#56
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Originally Posted By _zman⏩
Get a VA loan. 0% down. Lower interest rates too. No PMI either.

Hehe
you forgot the part where hes got to join the military.
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post 1462074113 09-13-2016, 12:11 PM
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#57
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[QUOTE=Testifier post_id=1462073443]fixed breh

[img]https://i.imgsafe.org/84040033ec.png[/ig]

this is any HOUSE with at least 2 bedrooms in my area. just lol.

also, these 2 bed houses are like 1000 sq ft. just lol.

lol, just lol.[/QUOTE]LOL @ being proud of the expensive real estate in the LA area. You are proud of getting cucked by the Chinese that are buying up all the property and inflating the market? just smh at your stupidity.
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post 1462074643 09-13-2016, 12:14 PM
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#58
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Originally Posted By melDorado⏩
Yeh if you can get one...
I recently tried to remortgage to take advantage of this and was flat refused even though I have 45% equity and have paid my mortgage for 17 years regular and never defaulted on it. Wtf gives with that?
Yup. Rates are low, profit margins are too. You'd probably be more likely to get approved for a complete refinance of the whole home because the cost of the underlying transaction would be balanced against more interest over the coming years.
Nah, fukk that. I’m not doing that.
post 1462075213 09-13-2016, 12:18 PM
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#59
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Originally Posted By Testifier⏩
LOL @ being brain-dead and not realizing owning property in one of the most expensive zip codes in the country is the greatest feeling in the world.

brb getting letters from *******s wanting to buy my property (have received 2 so far)
brb price of my property went up almost 70k in 5 months so far
brb haven't even taken into account my renovations
brb LOL @ ur dumbass buying in chitville and then getting pissed when you go sell it and realize its worth less than when you bought it.
brb tards gonna tard.
cope harder. LMAO!

also my property is worth about 80k more than when i bought it (4 years ago). Also my property inst artificially inflated in price by the Chinese. You're the one that's gonna be with the property that's worth less than you bought when the Chinese stop buying in LA. Just LOL @ you.
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post 1462075543 09-13-2016, 12:19 PM
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#60
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Originally Posted By Bassackwards⏩
but then he has to join the military....

i will say that the smart military bros used their BAH wisely and bought their homes early in their careers
Originally Posted By J1n⏩
you forgot the part where hes got to join the military.
Gotta admit, I wouldn't be where I am today without using the perks of serving my country in wars we don't belong in...another topic.

Even better, I get $1400 a month for school and tuition is free.
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