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Forum ยป Mind=Blown at people who RENT.
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Thread: Mind=Blown at people who RENT.

post 1451256243 07-05-2016, 04:37 PM
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#61
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when someone chides you on renting - ask them for the $100k down payment so they can buy that half decent non-ghetto $800k house in the city assuming they have great credit and secure job.

watch them shaddup.
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post 1451256423 07-05-2016, 04:38 PM
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Originally Posted By AGstrong⏩
ya bro such bad advice.. i bought a 420k property last year with 80k down. put 15k in renovations and it sold this year for 510k. after all the fees, costs, and payments are accounted for, i end up with a profit of about 40k. and im not even factoring the ~12k i would have had to pay in rent.

so thats a 40k return on an 80k investment as a first time buyer.

tell me *******, what investment do you have that gives you a 50% annual return? go ahead ill wait.

oh and if you dont believe me ill posty the agreement of purchase and sale.
OP Learn the difference between an Investment and Speculation.

You are a speculator not an investor.

Newb
post 1451256433 07-05-2016, 04:38 PM
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Originally Posted By AGstrong⏩
if you have bad credit i feel bad for you son. i guess i should have listed that exception in the OP.

But this wasnt directed at people who work at walmart and have **** tier credit, obviously they are renter class and always will be.

if you have an established career and have decent credit in your mid/late 20s, you can get an affordable mortgage with 10-15% down. shiet you can get it here in communist canada, ofc you can get it in america.
So the thread should be called, "if you can afford it and have good credit, then renting is the inferior option to owning a home"
post 1451256663 07-05-2016, 04:40 PM
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Yet another miscer that proves they have no understanding of how real life works.
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post 1451256813 07-05-2016, 04:42 PM
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Originally Posted By Solidz⏩
So the thread should be called, "if you can afford it and have good credit, then renting is the inferior option to owning a home"
lol. OP doesn't realize 90% of 20 somethings in the big city have zero option to buy anything.

There's condos - but they rarely rise much in value and even condos are insane in prices (eg: toronto, la, nyc) with additional "monthly fees".
Weight Loss: Go carnivore or keto/low carb. Create calorie deficit. Buy packaged healthy meals if needed. Meat is good and heals, stop being lied to.

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post 1451257073 07-05-2016, 04:44 PM
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Originally Posted By anacottsteel27⏩
OP Learn the difference between an Investment and Speculation.

You are a speculator not an investor.

Newb
strong deflection with nonsense bird logic.

i have a bba from one of the top schools in the country. where did you go to school *******? inb4 devry commerce.
post 1451257263 07-05-2016, 04:45 PM
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One size does not fit all. That said, i couldnt go back to renting.
post 1451257773 07-05-2016, 04:49 PM
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BRb......just finished grad school with amazing amounts of debt. Attempting to save by living with roomates for $500.00 a month until I save enough to buy a place. Oh fuk that.......let me put the thousands of dollars I have towards a deposit and buy a place even though I don't have help from mommy and daddy. Great logic.......




























































*******
post 1451257983 07-05-2016, 04:50 PM
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Originally Posted By RocknRollMuscle⏩
lol. OP doesn't realize 90% of 20 somethings in the big city have zero option to buy anything.

There's condos - but they rarely rise much in value and even condos are insane in prices (eg: toronto, la, nyc) with additional "monthly fees".
who said anything about condos? i think condos arent a safe investment, especially not in the current toronto market.

as for have zero option to buy anything, whos fault is that? my buddy that leases the a4 has a solid position and probably pulls in 70k a year. if he had managed his money better he would have had 60-80k saved up by now.
post 1451258093 07-05-2016, 04:51 PM
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Originally Posted By MikesApartment⏩
*******
Strong username to post ratio. Did you pick your username based on the porn site? lol
post 1451258513 07-05-2016, 04:53 PM
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After the last crash i decided it was now or never. In a few years i would be priced outta the market again. I bought a place and the mortgage payment is a little less than $200 a month more than renting a little ****box guest house 1/3rd the size of this one. Now my house is worth more than i could afford today.

In all these threads I always see a bunch of excuses people make to rent. "i want to be mobile blahblah" If I had to move asap I could just rent this place out for over $600/month+ in positive cash flow or sell it for $150k more than i paid for it. You ****s can have your renter mobility ill be mobile when im financially independent
post 1451258623 07-05-2016, 04:54 PM
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As people have state, mobility yo.
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Because you had secret evidence, and documents /
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post 1451258653 07-05-2016, 04:55 PM
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I am paying a mortgage off. I pay a fair chunk over the minimum in order to smash it off quicker but it's a by far the largest expense and costs more than renting would at the moment. If I lowered my payments to the minimum it would be slightly cheaper than renting.

I have a family and a stable job so moving around isn't a priority for me and the biggest factor in me chosing to buy was to not have to worry about paying rent when I'm older and want to retire. Having a paid off house takes a lot of the financial stress away. Hopefully get it knocked off in the next 10-12 years and be debt free.
post 1451259433 07-05-2016, 05:01 PM
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Originally Posted By TheJunkMan81⏩
After the last crash i decided it was now or never. In a few years i would be priced outta the market again. I bought a place and the mortgage payment is a little less than $200 a month more than renting a little ****box guest house 1/3rd the size of this one. Now my house is worth more than i could afford today.

In all these threads I always see a bunch of excuses people make to rent. "i want to be mobile blahblah" If I had to move asap I could just rent this place out for over $600/month+ in positive cash flow or sell it for $150k more than i paid for it. You ****s can have your renter mobility ill be mobile when im financially independent
lol so much this.

these are the type of people that work the same dead end cubicle job, driving their honda accord, renting a piece of shiet until they scavenge up enough penny to buy a house, which they will pay the mortgage on for the next 128 years. STABILITY YO.

lmao plebs gonna pleb.



ill be over here stylin on all you financially inept retards.
post 1451259573 07-05-2016, 05:01 PM
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Would need around 100k or a bit less for deposit where I am. I'm good for now thanks.
post 1451260083 07-05-2016, 05:05 PM
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no clue how some of you are buying houses in your early-mid 20s. I live in an expensive city but jesus
post 1451260543 07-05-2016, 05:08 PM
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Negged
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post 1451260953 07-05-2016, 05:10 PM
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Originally Posted By jamesbwbevis⏩
no clue how some of you are buying houses in your early-mid 20s. I live in an expensive city but jesus
not very hard to save up 80k in 5 years bro. i sub contracted jobs from a retail maintenance company during school (mostly summers). i also stayed in toronto for school so i lived at home, which saved me a lot of money.
post 1451261063 07-05-2016, 05:11 PM
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op speaks truth
post 1451261143 07-05-2016, 05:12 PM
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Originally Posted By MrAWatts⏩
Negged



stay poor bro. and youre ugly and short. lifes going to be hard for you.
post 1451261243 07-05-2016, 05:13 PM
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Originally Posted By TheJunkMan81⏩
After the last crash i decided it was now or never. In a few years i would be priced outta the market again. I bought a place and the mortgage payment is a little less than $200 a month more than renting a little ****box guest house 1/3rd the size of this one. Now my house is worth more than i could afford today.

In all these threads I always see a bunch of excuses people make to rent. "i want to be mobile blahblah" If I had to move asap I could just rent this place out for over $600/month+ in positive cash flow or sell it for $150k more than i paid for it. You ****s can have your renter mobility ill be mobile when im financially independent
So you bough on the down and the market recovered? Any idiot can do that, but you need to the cash and there needs to be a down turn in prices. That opportunity isn't everywhere
post 1451261413 07-05-2016, 05:14 PM
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Originally Posted By AGstrong⏩
not very hard to save up 80k in 5 years bro. i sub contracted jobs from a retail maintenance company during school (mostly summers). i also stayed in toronto for school so i lived at home, which saved me a lot of money.
lmao location canada?

theres a reason so many young adults in usa live with their fuking parents, let alone have their own house

80k is a fuk ton, people work for 10+ years and dont have 80k lying around
post 1451261743 07-05-2016, 05:16 PM
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Originally Posted By AGstrong⏩
who said anything about condos? i think condos arent a safe investment, especially not in the current toronto market.

as for have zero option to buy anything, whos fault is that? my buddy that leases the a4 has a solid position and probably pulls in 70k a year. if he had managed his money better he would have had 60-80k saved up by now.
sure, he might if he'd budgeted better. but not very many people would be able to save up that kind of cash by the age of, lets say 25. Good for your friend for being in a decent place in life, but you can't use him as a generalized example for everyone who doesn't own a home.
Originally Posted By TheJunkMan81⏩
After the last crash i decided it was now or never. In a few years i would be priced outta the market again. I bought a place and the mortgage payment is a little less than $200 a month more than renting a little ****box guest house 1/3rd the size of this one. Now my house is worth more than i could afford today.

In all these threads I always see a bunch of excuses people make to rent. "i want to be mobile blahblah" If I had to move asap I could just rent this place out for over $600/month+ in positive cash flow or sell it for $150k more than i paid for it. You ****s can have your renter mobility ill be mobile when im financially independent
also good for you brah, but some of us weren't really capable of buying alcohol, let alone buying a house. And unfortunately for us, housing is nowhere near that cheap at this time.
Originally Posted By AGstrong⏩
lol so much this.

these are the type of people that work the same dead end cubicle job, driving their honda accord, renting a piece of shiet until they scavenge up enough penny to buy a house, which they will pay the mortgage on for the next 128 years. STABILITY YO.

lmao plebs gonna pleb.



ill be over here stylin on all you financially inept retards.
makes thread about how people should buy vs renting

then proceeds to sht on people who get mortgages.
"So t
post 1451261753 07-05-2016, 05:16 PM
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Originally Posted By cookiefiend⏩
Would need around 100k or a bit less for deposit where I am. I'm good for now thanks.
FHA loan you can get in for as little as 3.5% down. Are you saying houses where you live start at almost 3 million?
post 1451262953 07-05-2016, 05:23 PM
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Originally Posted By Zackad⏩
sure, he might if he'd budgeted better. but not very many people would be able to save up that kind of cash by the age of, lets say 25. Good for your friend for being in a decent place in life, but you can't use him as a generalized example for everyone who doesn't own a home.



also good for you brah, but some of us weren't really capable of buying alcohol, let alone buying a house. And unfortunately for us, housing is nowhere near that cheap at this time.



makes thread about how people should buy vs renting

then proceeds to sht on people who get mortgages.
most people who have a good career can afford to buy a property in their mid-late 20s, unless they can't manage their finances worth shiet.

That was the entire point of the op.

And I'm not ragging on people getting a mortgage, I'm ragging on people paying it off. If your intent is to pay off your mortgage in 50 years then you are essentially renting from the bank or whatever 2nd/3rd party lender you went with.
post 1451263123 07-05-2016, 05:24 PM
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I might pm you OP. Looking to do something similar in a couple of years.gjdm so far tho
post 1451263433 07-05-2016, 05:26 PM
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Except when you live in LA its 500k for a 1bd at least

lol don't have 100K deposit at 22 - so I'm paying 1650/mo because fk it, standard of living

not trying to move to oklahoma brah
post 1451264163 07-05-2016, 05:30 PM
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Originally Posted By AGstrong⏩
strong deflection with nonsense bird logic.

i have a bba from one of the top schools in the country. where did you go to school *******? inb4 devry commerce.
Lol no deflection, just fact.

Congrats brother, Although I am sorry you correlate a degree from "Unknown Top School in Country" with intelligence. I went to a private university with a scholarship and then a public university, I'm doing just fine.
post 1451264343 07-05-2016, 05:32 PM
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Originally Posted By AGstrong⏩
except unless you live in bumfuk, montana; you really can. my ****ty townhouse in toronto was on the market for 1 week before it sold for 50k over asking.bought it last year in june fopr 420k, sold it in may for 510k, closing date is sept 5th. all i did was renovate 2 baths and a powder room ~15k.

and even if youre not a first time buyer, there are many ways around capital gains and land xfer.
This is probably what holds back a lot of people living in expensive markets.

What was your down payment? And did you pay for it yourself or go in on it with someone?

EDIT: Just saw this post.
Originally Posted By AGstrong⏩
not very hard to save up 80k in 5 years bro. i sub contracted jobs from a retail maintenance company during school (mostly summers). i also stayed in toronto for school so i lived at home, which saved me a lot of money.
Living at home is a necessity. Not everyone can do that though. Need some more clarification on the job.... you say you ONLY worked summers? And were able to save $80K over 5 years? What kind of work was this? Hourly rate? Hours?
post 1451264433 07-05-2016, 05:33 PM
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Originally Posted By AGstrong⏩
If you rent because youre a broke college kid, okay sure, thats understandable.

BUT if youre in your mid 20s or older, are well into your career, and you rent; you dont understand finance. So many bros i know rent while funneling money into their idiotic lifestyles.

Buddy brags about his $600 a month leased a4 while living in rented out basement apartment. LOL, dont be that guy misc.

Cliffs:
-do some accounting
-get pre approved for a mortgage
-stop being a plebeian
It's not about a misunderstanding of finances necessarily at all.

In my case, I just recently became approve-able (screwed my finances in an early marriage in my 20s, 31 now) and I don't have the disposable income to drop on a down payment yet. I'll get there soon enough, but it's a lesson learned that you do pay for your mistakes in life.
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