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Quick Navigation Bottom Misc
Forum » RentChads vs Mortgagecucks is the hot new rivalry on MISC
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Thread: RentChads vs Mortgagecucks is the hot new rivalry on MISC

post 1667231823 09-03-2022, 04:58 AM
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#31
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What if you are both?

You own your own home; but you rent space in a building for your own business.
post 1667231833 09-03-2022, 04:58 AM
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#32
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Originally Posted By fistnazis4fun⏩
What about leech off parents and not pay rent or mortgage?
the true gigachads
Barbers offer to cut my throat instead of my hair because of my ugliness crew
Cry myself to sleep while humping mattress and clutching pillow crew
Make eye contact with a girl, pass out and get a concussion crew
T-Mobile worker laughed at me because only had one number for 5-friends/family plan crew
Got jumped and bystanders laughed/recorded it crew
Take out trash and trash man mistakes me for garbage crew
Mom slides food through slot in my door without saying a word crew
post 1667231843 09-03-2022, 04:58 AM
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#33
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Originally Posted By dyee4613⏩
Are you saying you don't own things because the government can take it away? By that logic, the only people who can own property are people who can overcome the United States government?
This, guy is calling the multi on his logic and he's reaching/coping hard af.

BRB no point in living as the government could kill you at any second.
post 1667231873 09-03-2022, 05:02 AM
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#34
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Originally Posted By r32gojirra⏩
Amount you would have had to pay in rent to an actual man: $100k

Net financial gain: $114,000

Lmao
Wrecked except:


He doesn't pay his mom rent to live in her basement. Checkmate.
post 1667231943 09-03-2022, 05:06 AM
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#35
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Originally Posted By iwant2beswole⏩
imagine not transcending both being homeowner with no mortgage crew
This.

Just pay your house off like I did.


Brb, bought another 3 acres and am building a house on it soon.


Lol at mortgagecels and rentcels
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post 1667231953 09-03-2022, 05:06 AM
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#36
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To be fair; people who own their home have rented at some point in their lives.

As compared to those who still rent; so they are completely clueless on how home ownership works. You can't really blame them.

I wouldn't call it a rivalry; just lack of experience.
post 1667232093 09-03-2022, 05:14 AM
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#37
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Originally Posted By fistnazis4fun⏩
What about leech off parents and not pay rent or mortgage?
I sold my parents a house for next to nothing on my property so they could retire.

They weren't the best at the money game throughout their lives. It's nice to be able to help them out so they can enjoy their retirement.
Originally Posted By Issobolic28⏩
To be fair; people who own their home have rented at some point in their lives.

As compared to those who still rent; so they are completely clueless on how home ownership works. You can't really blame them.

I would call it a rivalry; just lack of experience.
Aside from paying $200/month to rent a room for a few years on weekdays during university, never rented crew.
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post 1667232213 09-03-2022, 05:19 AM
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#38
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lol @rentcells imagine being that cucked you have to ring the chad who owns the house and ask nicely if you can paint a room in his house.
post 1667232223 09-03-2022, 05:20 AM
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#39
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Originally Posted By Hutrapper⏩
Aside from paying $200/month to rent a room for a few years during university, never rented crew.
Ok; *'most* people.

But when I was renting i didn't know certain things about the home buying process or about ownership.

So these renters make such ignorant comments home ownership. Can you actually blame them?
post 1667232413 09-03-2022, 05:33 AM
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#40
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Originally Posted By Issobolic28⏩
Ok; *'most* people.

But when I was renting i didn't know certain things about buying process or about ownership.
Lol. Agreed.

I had a mortgage for a bit, but when house values went up I had the place re appraised, and got a secured line of credit against the property for $200,000. Interest rate on the LOC was like 2% for years...way better than the mortgage rate. Paid off mortgage with LOC, then aggressively paid off the LOC. Anytime I'd get a chunk of cash from a side job, I'd chuck it in and save huge interest. Buy new car? Drop it on LOC unless 0%. New ATV and boat motor this year, same thing.

I'm now completely debt free

Trading in SUV soon for new one, remainder on LOC at a locked in rate. It will be paid off in 4 months.


The key is controlling your finances. Even though I make $75,000 a year ($50,000 after tax and deductions, not including side jobs), a massive LOC at a great interest rate is the key to my life. I COULDNT DO THAT WITHOUT OWNING MY PROPERTY.

When I build on my new property (I'm a carpenter), I will buy materials with the LOC off my first property.

That's how I can have ATVS, boats, jet skis, snowmobiles, go on vacations, have a nice remote cabin, and generally live pretty well without being CEO 10k/day crew.

All started with being ballsy at 22 years old and finding a way to buy a few acres with a half built house and shop on it. Started with a private mortgage, and muscled my way into a bank mortgage two years later. Never a down payment paid, making $20.00/hr lol.
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post 1667232483 09-03-2022, 05:37 AM
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#41
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Originally Posted By r32gojirra⏩
Amount you would have had to pay in rent to an actual man: $100k

Net financial gain: $114,000

Lmao
Up the down payment to 20%, then do a comparison of what that 20K would have done in the stock market over the same 10 years (Don't forget to include maintenance costs on the property). Rentchads stay winning.

If my income was chit or I had no skills then maybe the $100K in rent over 10 years would be an issue. Just lololol
Your schtick sucks and it screams insecurity.
post 1667233153 09-03-2022, 06:06 AM
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#42
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Originally Posted By Issobolic28⏩
To be fair; people who own their home have rented at some point in their lives.

As compared to those who still rent; so they are completely clueless on how home ownership works. You can't really blame them.

I wouldn't call it a rivalry; just lack of experience.
I bought my first block of land as soon as I was legally capable of signing a land title deed
post 1667233383 09-03-2022, 06:16 AM
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#43
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Originally Posted By CoolKnees⏩
I just took a chit and pipes all clogged up again. Gonna call my landlord to fix it.
No biggie. He'll just raise your rent an extra 5% next year to cover your excessive plumbing bills, on top of the 10% raise to cover any additional property tax/insurance costs he will incur.
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post 1667234053 09-03-2022, 06:38 AM
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#44
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Originally Posted By 78novacaine⏩
No biggie. He'll just raise your rent an extra 5% next year to cover your excessive plumbing bills, on top of the 10% raise to cover any additional property tax/insurance costs he will incur.
This.


Imagine having no control over a massive part of your life
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post 1667234423 09-03-2022, 06:49 AM
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#45
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Originally Posted By betaProvider117⏩
rentgods pay rent while mortgagescum pay interest

mortgagescum think they'll get a profit when they sell their house but in reality they're just paying back what the bank loaned them

rentgods: 1
mortgagescum: 0
How much equity do you have in your landlord's building?
post 1667234923 09-03-2022, 07:04 AM
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#46
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Originally Posted By 78novacaine⏩
No biggie. He'll just raise your rent an extra 5% next year to cover your excessive plumbing bills, on top of the 10% raise to cover any additional property tax/insurance costs he will incur.
Also bidenflation
post 1667235123 09-03-2022, 07:13 AM
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#47
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Originally Posted By Anachron⏩
Every single person who has a mortgage owns the property that the mortgage is secured by. They're literally the property owner on title.

I thought you were better than this.
I mean, he does have a point though with the whole property taxes thing though...although that's a local thing and not actually "Uncle Sam" doing it.
post 1667235323 09-03-2022, 07:19 AM
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#48
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Am I the ultimate RentChad since Mortgagecucks pay my wages.
post 1667235473 09-03-2022, 07:23 AM
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#49
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Originally Posted By Anachron⏩
I thought you were better than this.
Backhanded compliment used to get a reaction. You've lived up to my expectations
post 1667235653 09-03-2022, 07:29 AM
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#50
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Originally Posted By Anachron⏩
Especially since it seems to have worked?
It did!

Here, have another reaction
post 1667235963 09-03-2022, 07:39 AM
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#51
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I mean... honestly literally all of Misc rivalries are pretty objective - one side keeps looping despite being given evidence showcasing otherwise.

Ownership vs rent - over time ownership adds more to net worth unless you need liquidity in disadvantageous market circumstances.

Circumcised vs uncircumcised - not the end of the world but it is mutilation for no real purpose. None of the benefits have bore scientific scrutiny.

HTC vs LTC - simply US-based Miscers trying to cope with benchmark obesity levels women are comfortable on the sexual market via trying to categorise it as "what real men with high test like". I can understand this one the most given the fact that EVEN Western European women are tangibly less overweight/obese on average (although close to NA than Asia of course...) plus sexual preferences adapt somewhat.
communist until you get rich
rightwing until financially secure
atheist until the plane starts falling
slootist until you get married
muslim after you get married
post 1667236143 09-03-2022, 07:43 AM
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#52
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Can someone provide a good financial analysis in favour of renting long term (i.e. 10+ years), in consideration of the two points below?

1. If you own a home, mortgage payments eventually stop, at which point you own an asset that you can sell, give to children, etc.
2. Why do landlords exist? Do they just work for renters out of the goodness of their heart? Obviously they are making a profit. Otherwise nobody would be a landlord.
post 1667236683 09-03-2022, 07:54 AM
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#53
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Rentchad wakes up at noon to a knock on his door. A mid 30s curvy MILF answers asking to collect the rent on behalf of her wagecuck mortgagecuck husband who is at work. Rentchad answers the door shirtless, wearing only a pair of joggers that showcase the outline of his flaccid penis which of course is above average. The MILF is immediately frozen and intimidated. Rentchad says he doesn't have the rent at the moment. MILF asks if Rentchad can think of any other ways he can pay the rent as she slowly enters her way into the apartment. Rentchad smiles and nods.

Meanwhile.... at some office

Boss: Mortgagecuck! Where are my TPS reports?
Mortgagecuck: I...I .. am working on them sir. *Calls wife phone but she is getting plowed by Rentchad and doesn't answer*
post 1667237023 09-03-2022, 08:01 AM
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#54
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Originally Posted By IamHarmsWay⏩
mortgage 1500-2k a month plus property tax and insurance
rent an apartment = 900/mth

you'd be saving 2k a month easily. invest that.
Assuming we're talking about the same property, if the mortgage is 1500-2k a month, that's what the landlord charges (approximately) the renter for rent. Not $900/mth. The landlord owns the asset and when the renter moves out years later can sell the property for a profit. What's difficult to understand about this?

I'm convinced most of the people on the internet advocating for renting long term are actually landlords like myself. lol
post 1667237233 09-03-2022, 08:06 AM
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#55
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Originally Posted By IamHarmsWay⏩
mortgage 1500-2k a month plus property tax and insurance
rent an apartment = 900/mth

you'd be saving 2k a month easily. invest that.
So living in a standalone 3-4 bedroom home that you can eventually sell for hundreds of thousands of dollars costs more than living in a shoebox smaller than most homeowner's garages and sharing walls/ceilings/floors with 2-4 random strangers/couples/families that when you leave you get nothing?

Moon lands on man ITT...
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post 1667237283 09-03-2022, 08:07 AM
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#56
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Originally Posted By 78novacaine⏩
So living in a standalone 3-4 bedroom home with a lawn and garage that you can eventually sell for hundreds of thousands of dollars costs more than living in a shoebox and sharing walls/ceilings/floors with 2-4 random strangers/couples/families that when you leave you get nothing?

Moon lands on man ITT...
Rentcel logic is truly something to behold.

Also, as I've said before, my mortgage + escrow (for an almost 1,200 sq ft house) is less than rent for most halfway decent apartments in my area.

I'm also throwing like 25% of my income into Index Funds, "InVeSt ThE dIfFeReNcE".
post 1667237413 09-03-2022, 08:11 AM
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#57
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Originally Posted By Polaris⏩
Rentcel logic is truly something to behold.

Also, as I've said before, my mortgage + escrow (for an almost 1,200 sq ft house) is less than rent for most halfway decent apartments in my area.
this..

2 bed 2 bath condo in toronto .. $3000/m rent

my mortgage + condo fees = $2200/m total

i can rent this out to a rentcell and pocket $800/m, but need somewhere to live atm.
post 1667237593 09-03-2022, 08:15 AM
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#58
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Originally Posted By Anachron⏩
Toronto?

You could go shack up with Bradley and/or Donnie.
Would Donny's parents allow him to have guests in the house?
post 1667238143 09-03-2022, 08:28 AM
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#59
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Originally Posted By MiscMathematician⏩
i researched that myself but all line of credit offers i was sent were higher than my interest rate. no fkn clue how you got 2% DA FUK
Unsecured lines of credit are like 10 percent or more right now.

Secured LOCs are far lower and can be much higher values as they are secured against your house or property.

When I did it years ago my mortgage was like 3 ish percent, and LOC was like 2.3 or something .
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post 1667238233 09-03-2022, 08:32 AM
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#60
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Originally Posted By Anachron⏩
I am not making this chit up, but...

On a recent drive I saw something I had to make a U-turn for to check out. I found this low rise apartment building, one of those ones that has a row of garages behind it for the tenants. Except, the garages were all converted into additional units. So the tenants living in the apartments had no garage space, and the tenants living in the garage were actually living in fukin garages.

Just LOL @ rentcels srs.
Rentcels don’t need garages

If you can’t afford a roof over your head you can’t afford a car
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