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Forum » Is inheritance anyone else's only chance of becoming a homeowner (srs)
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Thread: Is inheritance anyone else's only chance of becoming a homeowner (srs)

post 1633727533 03-14-2021, 07:10 AM
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You can get FHA..
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post 1633727543 03-14-2021, 07:10 AM
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Originally Posted By OliverHeldens⏩
Yep 100%. I used to work for my dad, and he would use an expected inheritance as a manipulation tool to keep me working for way less pay than I wanted. It's a terrible way to live, and I eventually started thinking, "Oh damn, if I go down this path I wouldn't have financial freedom until I'm like 50+"
I've seen this too where a parent will manipulate their child by threatening to write them out of the will if they do something they don't like. I know a girl who's parents control her like this right now.

My uncle had t his friend, they were best friends for a long time. Basically, he had my uncle cosigning loans and even paying for all these things because his father was wealthy and he would get a huge inheritance and told my uncle he would take care of him and pay him back when he got it. His dad died, he got my uncle to pay for the trip and stay in Vermont. Said friend didn't get anything. Another guy I know inherited his father's business only to find out that the company was so in debt and running in the red that they just let it go.
post 1633727583 03-14-2021, 07:12 AM
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Originally Posted By yeshli2nuts⏩
No it's not. Median home price last October was just under $320,000. A single guy making $55k can easily afford that.
BRB half your monthly income going towards your mortgage
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post 1633727773 03-14-2021, 07:16 AM
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Originally Posted By yeshli2nuts⏩
No it's not. Median home price last October was just under $320,000. A single guy making $55k can easily afford that.
easily isn't the word here, doable yeah, ideal no.

4x your yearly net is the absolute max you should pay for a house is what I was told, feel likes thats a very solid way to come up with quick numbers

so say 220k max for someone making 55 net
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post 1633728193 03-14-2021, 07:29 AM
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Originally Posted By ayyy⏩
easily isn't the word here, doable yeah, ideal no.

4x your yearly net is the absolute max you should pay for a house is what I was told, feel likes thats a very solid way to come up with quick numbers

so say 220k max for someone making 55 net
A single guy should be able to save at least $1,000 a month on a $55k salary. OP says he has $50k saved so in another year he should have enough for a 20% down payment on a $320k house. That means he would get a $256k mortgage. A $256k mortgage on a 30-year with 2.75% rate comes out to a payment of $1,045 a month. Add in another couple hundred for insurance and property tax, that payment should be no problem on a $55k salary for a single guy.
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post 1633728273 03-14-2021, 07:31 AM
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Where do you live? most obvious answer is move to lower cost of living State

secondly, I'm genuinely curious, how do US brahs can barely live on 55K per year? Is this trolling or you guys create unnecessary expenses for yourself?
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post 1633728603 03-14-2021, 07:39 AM
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House price almost doubled since i bought it 5 years ago, feelz good mang
post 1633728663 03-14-2021, 07:40 AM
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You must live in an area where 55k is equivalent to 20k in most of America. I'm 28 make 62k and have a home, and a 2.8 acre piece of land, and I'm in the process of buying another house to turn into a rental property. Also I've turned 45k into almost 200k in the last 6 months or so with btc and gained another 40k in the stock market last year.
post 1633728783 03-14-2021, 07:43 AM
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Originally Posted By OffwhiteBrah⏩
House price almost doubled since i bought it 5 years ago, feelz good mang
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post 1633729163 03-14-2021, 07:53 AM
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Well with that attitude you certainly aren't. I'm right now looking for my second house.
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post 1633729233 03-14-2021, 07:54 AM
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Wish I'd gotten in years ago. Median home price in my city has almost doubled in the past 5 years and basically buying is a bad investment now because you're overpaying and will be house poor unless you're making six figures. Even then, couples who have a combined income of 120k are at 40% of their income going to housing to buy a three bedroom small townhouse, which is kind of dumb IMO. Even with the equity, rent makes way more sense here now as long as you invest the difference.
OP says he has $50k saved so in another year he should have enough for a 20% down payment on a $320k house.
Problem with this is a $320k house has to be available. You can't even get a two bedroom condo in my city for less than 400k. If you want a small townhouse, you're now looking above 500k if not 600k. And that's anywhere within a 45 minute drive of my city of over a million people.
post 1633729633 03-14-2021, 08:04 AM
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I could buy a house right now aswell with minimal downpayment and a 20 year loan but having a house is so overrated (especially in Belgium)
The average annual salary in Belgium is around €20~25k; a somewhat decent house is 10 x 15 times that amount

The maintenance costs, renovations, the interest rate + the fact that the amount of the downpayment (let's say 30K) would be worth around 80K in 20 years if you'd put it in a lazy ETF like VT are things people look over too fast.
The freedom of changing places when renting is also a huge bonus that's overlooked; you're basically binding yourself to 1 place for the rest of your life


I'll be a renter untill I can buy a house without a loan; srs (maybe Barcelona; pretty cheap)
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post 1633729733 03-14-2021, 08:06 AM
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Just go into debt slavery with the banks like most miscers and you'll be able to get you one.
post 1633729823 03-14-2021, 08:10 AM
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Originally Posted By yeshli2nuts⏩
A single guy should be able to save at least $1,000 a month on a $55k salary. OP says he has $50k saved so in another year he should have enough for a 20% down payment on a $320k house. That means he would get a $256k mortgage. A $256k mortgage on a 30-year with 2.75% rate comes out to a payment of $1,045 a month. Add in another couple hundred for insurance and property tax, that payment should be no problem on a $55k salary for a single guy.
its definitely doable im not saying you're wrong, just not ideal imo, to me saving 20k a year is leagues safer and will provide leagues more money 10 years later than 12k, especially if you're someone who invests aggressively.
Originally Posted By Anachron⏩
This "calculation" is based on what interest rate?
just a general rule of thumb i was told for first time home buyers
Originally Posted By elmariachii⏩
secondly, I'm genuinely curious, how do US brahs can barely live on 55K per year? Is this trolling or you guys create unnecessary expenses for yourself?
we are the most frivalous spenders of anyone on the planet by ****in miles

you would be straight up disgusted to know how hard the average american blows their pay check every week, the amount of people I know making 50k+ that have had to file for bankruptcy is sad. And this isn't in NYC either this is one of the cheapest COL's you'll find in the states.
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post 1633729883 03-14-2021, 08:11 AM
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No OP, you’re just an excuse making loser. And that’s why you fail
post 1633730003 03-14-2021, 08:16 AM
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Originally Posted By WoofieNugget⏩
Problem with this is a $320k house has to be available. You can't even get a two bedroom condo in my city for less than 400k. If you want a small townhouse, you're now looking above 500k if not 600k. And that's anywhere within a 45 minute drive of my city of over a million people.
Fair enough. But someone who can barely afford a house shouldn't be buying in this market in the first place. The market will eventually bust and go back to a seller's market. These people who can barely afford a house should wait it out and continue to save. Anyone who buys anything when the price is at an all time high is stupid.
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post 1633730133 03-14-2021, 08:19 AM
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Originally Posted By Nonsense916⏩
BRB half your monthly income going towards your mortgage
Half of most people’s going to rent which is a black hole. At least with a mortgage each payment is giving you equity.
post 1633730143 03-14-2021, 08:20 AM
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Originally Posted By Anachron⏩
How old was the person that told you this?
50's*

ball park what do you think a first time buyer should spend relative to their income with current interest rates?
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post 1633730313 03-14-2021, 08:26 AM
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Originally Posted By yeshli2nuts⏩
No it's not. Median home price last October was just under $320,000. A single guy making $55k can easily afford that.
Spot on with your posts on this thread. Repped. Just want to drop in that maybe someone's first house shouldn't be a "median" house, but a term that you never hear anymore is "starter house". Smaller house, maybe not an ideal location, might need a little work. Clean it up, fix it up, untilities, taxes, insurances and all will be lower so you can put more equity into it. After a few years, if you feel you want more then you will now can sell it and have a lot more to put down on what you really want, but who knows, you might learn to love your home and it's what you really want.
post 1633730943 03-14-2021, 08:46 AM
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pretty much op. at least if you wanna be safe. imo houses are for long term couples unless your are making decent salary (at least 60k imo)

people saying he should buy at 50k a year are dumb af. houses are expensive to upkeep. even if you can afford the 1200 mortgage (plus property taxes/home insurance), youre utilities are gonna be very high as well another 100+ a month, water bill is like 300-400 every 3 months so bout another 100/mth. maybe garbage collections fee's. you will become house poor very fast.
post 1633731783 03-14-2021, 09:08 AM
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Originally Posted By ayyy⏩
50's*

ball park what do you think a first time buyer should spend relative to their income with current interest rates?
There's no magic answer to this question. Everyone, no matter where they stand with finances, should budget. Budget out your monthly expenses and figure out what you can afford. Someone with a $400/month car lease/loan payment can't afford as much mortgage as someone that outright owns their car. Someone with two kids can't afford as much as a single guy. There are so many factors. Also the more money you make the higher percentage you can spend on housing. You need to just budget and figure it out for yourself.
Originally Posted By Jasonw1178⏩
Spot on with your posts on this thread. Repped. Just want to drop in that maybe someone's first house shouldn't be a "median" house, but a term that you never hear anymore is "starter house". Smaller house, maybe not an ideal location, might need a little work. Clean it up, fix it up, untilities, taxes, insurances and all will be lower so you can put more equity into it. After a few years, if you feel you want more then you will now can sell it and have a lot more to put down on what you really want, but who knows, you might learn to love your home and it's what you really want.
Thanks brah. I'm going to disagree a bit on this though. As I said above, everyone's situation is different but I generally don't like the concept of a starter home. First time buyers might not realize that closing costs can be upwards of $20-30k plus the added expenses of moving, buying a starter house and then upgrading 5 years later could be a big waste of money. A good alternative is buying a smaller/beatup house in a location you like, and then when you are ready to upgrade, add on or renovate. Moving sucks and is very costly. I always tell people never plan on buying a house with the goal of selling in a few years (unless you're a professional flipper or realtor or something). Plus if you do that, your first few years of mortgage payments are going to be heavy on the interest and you won't get much principal back in those years.
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post 1633731803 03-14-2021, 09:08 AM
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Originally Posted By stayhomeneet⏩
I make 55k, am single and I'm never going to be a ceo 100k a day.

I make enough money to get by OK and I will never go hungry but I have basically no chance of being a homeowner unless there is a seismic shift in the economy and housing becomes affordable again.

I have saved 50k in the past 10 years and I have 28k in another savings account that is a government scheme.

I suppose if I bought a run down hovel next door to a gang pad or a drug dealers house I might be able to afford the down-payment but I wouldn't be able to keep up with the mortgage repayment lawl.

Being the sole person in my parents will I will inherit the house etc so at that stage I'll probably move in there or sell it and buy my own place.

But yeah I know on misc everyone is a stock market kingpin who bought their first mansion at 17 but irl the only people in my peer group who are homeowners are married with 2 salaries and their parents helped out with their house deposit.

Anyone else like me.
Jokes on you, your parents gonna need that house dough for elder care and you end up renting again. Start building your wealth now through side hustle to buy your own house not depend on your parents dying early for you to inherit their house.
post 1633732143 03-14-2021, 09:17 AM
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Originally Posted By vinisterz⏩
Jokes on you, your parents gonna need that house dough for elder care and you end up renting again. Start building your wealth now through side hustle to buy your own house not depend on your parents dying early for you to inherit their house.
Or he can keep making excuses about how hard life is on the misc, and nothing will improve. His choice
post 1633732263 03-14-2021, 09:21 AM
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Originally Posted By POTA⏩
Half of most people’s going to rent which is a black hole. At least with a mortgage each payment is giving you equity.
For the first five to seven years of a 25 year mortgage you are paying off interest to the bank. You've barely built any equity unless the house appreciates in value and have barely touched the principal.

On a 400k loan at 4% you pay 288k in interest. So that 400k house actually cost you almost 700k.
post 1633732423 03-14-2021, 09:24 AM
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makes no sense to buy house if you're single and have no cash to pay upfront.till then it should be in stock market or any bussiness.also,in case of 50% raise in salary in different state you'll be missing gains with unpaid mortgage etc.
i'll keep paying 1k for rent and invest the rest in meme stonks.
brb miscers offer "starter" mobile homes with 45min travel to job
just lol
also 55k @ 28 is low,are you lazy ******* want free money ? just sign up for welfare,section8,foodstamps and make double of what you make now.

brb if you're not planning to settle.can try leasing semitruck with eastern european outfits form chicago area. $2/mile = $1/mile income. 150000 miles per year / 300 days = 500 miles a day / 10 hrs driving /2 hrs loading/unloading / $150k / 3600 hrs / $41/hr pre tax. / writeoff /= $32-35/hr post tax aka 100-120k net profits. x 4 years = 32yr old owning 300k house no mortgage.
good luck if you're hard enough to go thru that. or can succ dicc on your current job @ $35k net ,just lol.
post 1633732463 03-14-2021, 09:25 AM
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Originally Posted By yeshli2nuts⏩
Thanks brah. I'm going to disagree a bit on this though. As I said above, everyone's situation is different but I generally don't like the concept of a starter home. First time buyers might not realize that closing costs can be upwards of $20-30k plus the added expenses of moving, buying a starter house and then upgrading 5 years later could be a big waste of money. A good alternative is buying a smaller/beatup house in a location you like, and then when you are ready to upgrade, add on or renovate. Moving sucks and is very costly. I always tell people never plan on buying a house with the goal of selling in a few years (unless you're a professional flipper or realtor or something). Plus if you do that, your first few years of mortgage payments are going to be heavy on the interest and you won't get much principal back in those years.
Well I don't mean buying a chitbox, just not your first home being your dream home. However, it would still be better than renting some overpriced apartment where every penny might as well go down the drain. Yes, closing cost are also expensive, so is moving, but then again foreclosure sucks too.
post 1633732853 03-14-2021, 09:35 AM
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The housing prices increasing so rapidly this time is a bad sign of coming inflation. Not surprising when the government is rapidly increasing the money supply. Read about hyperinflation and you will understand the self-perpetuating cycle that it creates, where inevitably it comes down to a wheelbarrow of money for a loaf of bread.

That combined with insanely low interest rates. My parents first mortgage was 17% APR! Even though it seems crazy, the house prices are dictated on supply and demand. If no one was buying the houses for those higher amounts, than they would come down. I live in indiana, near the border with Chicago. My area is booming from people trying to flee that high tax state. The houses there are not necessarily increasing in value, as people are simply unloading them because of high property, sales, and various other taxes. An average house cost $10,000 less per year on my side of the border because of property taxes alone.

A few years ago Brian urlacher sold his Illinois home. He sold it for hundreds of thousands of dollars less than he had bought it for 10 years previously, and had paid hundreds of thousands of dollars in property taxes.
post 1633733233 03-14-2021, 09:43 AM
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Originally Posted By AltarsMadness11⏩
or you pay rent on a house that costs 1500 today and then will be 3K in 30 years...at which point the mortgage will have been paid off entirely
If my rent is 1500 and the same house would cost me 2500 a month to own, it makes zero sense. Take that 1000 a month and invest it and you'll come out the same if not further ahead than if you owned a house after 20 years.

My rent is currently 1400 a month less than it would cost me monthly to own the same house in my city. And I don't have to worry about property taxes, major repairs or interest rates going up.
post 1633733273 03-14-2021, 09:43 AM
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Originally Posted By TomPaine⏩
The housing prices increasing so rapidly this time is a bad sign of coming inflation. Not surprising when the government is rapidly increasing the money supply. Read about hyperinflation and you will understand the self-perpetuating cycle that it creates, where inevitably it comes down to a wheelbarrow of money for a loaf of bread.

That combined with insanely low interest rates. My parents first mortgage was 17% APR! Even though it seems crazy, the house prices are dictated on supply and demand. If no one was buying the houses for those higher amounts, than they would come down. I live in indiana, near the border with Chicago. My area is booming from people trying to flee that high tax state. The houses there are not necessarily increasing in value, as people are simply unloading them because of high property, sales, and various other taxes. An average house cost $10,000 less per year on my side of the border because of property taxes alone.

A few years ago Brian urlacher sold his Illinois home. He sold it for hundreds of thousands of dollars less than he had bought it for 10 years previously, and had paid hundreds of thousands of dollars in property taxes.
People calculate cost to own. They calculate in how much their total payment each month will be which includes insurance and taxes. Same in the car business, people shop based on payment. It's why carlots will have the monthly payment posted and not the actual price. Weekly payment posted for those real plebs.
post 1633733333 03-14-2021, 09:45 AM
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Will be inheriting family home in 5-7 years. Feels goodman.
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