Daily reminder. if you aren't a home owner, it's your

>>134670427
bump

Parents probably helped them. There's no way that you are homeowner at 17 years old with ""le hard work"" alone. Kill yourself.

>>134670427

I'm not rich, sorry I can't afford the 10 million it costs for a 2 bedroom house in my city.

>>134672831
Shady loans. Indentured servants for life. Have the mental capacity of a 5 year old.

>>134670427
Its fake guys jesus

>>134673120
100% this. Those kids are fucked

>>134670427

>mow rich parent's lawn a few times
>they pay you 50 grand each time
>lol we worked hard gaiz

>>134670427
>17 and 16
>bought first house

fucking bullshit

even if you work part time 24/7 while going to school you will never afford a home.

or mom and dad shoved it up their arse

>>134672831
>being this angry over a happy young white couple
Flag checks out

I have the opportunity to buy a townhouse for 80k while the others in the area go for 105-110k. Big purchase and I don't know if I'm ready to pull the trigger.

>>134670427

they didn't really buy the house

>>134673120
this, they'll be debtslaves for most of their adult lives

>>134673304
I had 40k in my savings working full time throughout high school.

It's possible to get a down payment with that.

>>134673441

What are the reasons to buy?

What's stopping you from wanting to buy?

>>134673516
sure you did. there's also high school millionaires too who get rich from acting or got lucky with a business.

you're full of shit

>>134673261
>>134673506
They were joking, that's not actually their home.

>>134670427
getting rich through hard work is a meme
you only get rich through taking risks and shouldering responsibility

>>134673641
>What are the reasons to buy?
To stop wasting 12k a year on rent mainly.

>What's stopping you from wanting to buy?
I don't want to make a shitty investment

>>134670427
>the banks will loan to a 17 year old with nonexistent credit
Not even if his parents co-signed would this have happened. He's going to be paying that shit off for 30 years at least and a banks not going to loan to you if the best you can do is "hurr, my parents will pay if I don't!"

I got my first house at 24 through family connections and chance. You won't have a house of your own until late 20's or early 30's unless you're really fortunate.

>>134670427
>My card got declined on a mcflurry
Why did he thought this would make a good contrast against the young homeowners ?
If you're so close to being out of money, why waste money on frivolities ?

>>134673923

Well you've kind of answered your own question there, haven't you? Even if you buy and then sell with no ROI, you've still made 12k a year.

>>134673923
If you buy, you get slammed with a ridiculous thing known as property tax, which means you still own shit.

>>134673804
If you lived at home and worked after school you could earn that... It'd be rough working 3pm-11pm and then getting up at 7am for school but you could do it.

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>>134670427

What are some things I should know before buying a home?

>>134674097
>It'd be rough working 3pm-11pm
>high school kid
>full time
Maybe if mommy and daddy owned a business and they paid you to sit on your phone for 8 hours a day.

>>134673441
Why so low? Is it in need of a renovation or is there a more serious issue?

>>134670427
>desperately poor
Better buy a McFlurry!

This is part of the reason millenials don't have any money. That guy who told them to stop buying avocado toast in restaurants was absolutely right.

>>134670427

former abject poverty fag here, this is completely true. You will have to study in or outside of school but u can make money working hard or smart.

>paying a loan for 15-30 years

who's the tard again?

>>134673441
You need to check why its much cheaper because in the world of real estate, there is no free lunch else there would be half a dozen offers at full market value

>>134674050
Yeah that's what I'm thinking too.
>>134674079
The property taxes aren't very much for the area. I've calculated the mortgage with taxes and insurance and its significantly lower that what I'm throwing out on rent

>>134674097
What are child labor laws for $200?

>>134670427
And reminder to you that as long as you have a mortgage you don't own shit.
The bank owns your home and you.

>>134672831
Actually if you get an FHA mortgage, you can own a home for 3.5% down.

Cheap House + FHA mortgage = home ownership for anyone who wants it

>>134673506
Yeah, until they sell the house for $100k more than they bought it for

>>134674267
I had a full time job in HS at a restaurant making $9/hr.

Just did my job and showed up early everyday, not really hard to get money/raises in HS

>>134670427
Fucking idiot fiat zionist banker

>>134673961
>Frog doesn't understand that burgers live off of McDonalds
You poor child.

>>134672831
probably a case of a rich grandma dying

>>134670427
where are that girl's trousers?

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>>134672831
>>134673120
>>134673185
>>134673290
HAHAHA YOUR SALT, SO GOOD

>>134673398
This!

>>134670427
The great war is coming

>>134674567
The bank owns your home and as you pay into it, you build equity. Couple that with the fact that in most places real estate prices increase year over year, so when they go to sell the house, they pay off what's left of their mortgage and then get to keep the profits.

>>134670427
>owning a home

X3333

>>134674775
what hard work do you suppose they did to save up for a house?

>>134674725
Yeah, I know about the whole thing about people living off the 2$ menu, but a fucking McFlurry ? What does it add to your diet that you can't get cheaper ?

>>134674775

Explain to me how someone could afford and average home working at wages available to 15 year olds. Obviously this is fake and you're trolling, but I'd like to see you construct a scenario where this is possible.

>>134674932
if a tiny expenditure like buying a mcflurry dents your rate of saving then you're never going to afford anything significant anyway

>>134674301
I think the guy just wants it sold. From the (((pictures))) I don't see anything wrong but if I'm going to persuit this I'll have someone look at it for sure. Its also in the middle of an oil town and a lot of people have lost their jobs and packed up

>>134674932
They're retarded burgers, they cannot intologic.

Also as an actual explanation, when you're 17 you probably aren't sustaining yourself so it's natural to spend what money you get on stupid BS.

if my parents would have let me move out at 16-17 with my GF instead of laughing at me when i asked, my life could have turned out completely different

i would have loved to get a job, and my GF wouldnt have left me for being a loser with no job, only to get a great career a few years too late

god fucking dammit

>>134670427
fake and gay

>>134670427

>if you aren't a home owner, it's your own fault.

Married to a milfag.

Can't trust where we'll be in 18 months. Sucks, because I want to get another German Shepherd, but I won't do that in an apt.

>>134674897
>Couple that with the fact that in most places real estate prices increase year over year, so when they go to sell the house, they pay off what's left of their mortgage and then get to keep the profits.
>people are still buying homes
>the majority of mortgages aren't underwater

>>134675047
Just be careful. Theres a reason this house is 30k cheaper than the comps. If it was as good of a deal as it sounds someone else would have grabbed it already. Not saying its a bad investment, just make sure you're knowledgeable about what you're buying.

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>>134675203
>being gay in the military

REEEEEEEEEEEEEEEEEEE

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>>134674975
see pic
$150,000 house
3.5% down = $5,250
some fees etc.

= $940 per month for 30 years

Sell the house 5 years later for $175000

>>134675263
what?

>>134675469
>working at wages available to 15 year olds

>>134675376

Could be worse, neither one of us is a fairy.

Haha good luck trying that shit in chink Vancouver.

>>134675493
THE HOUSING MARKET IS SHIT.
THE MAJORITY OF MORTGAGES ARE UNDERWATER. (MORTGAGE HOLDER OWES MORE THAN PROPERTY VALUE)

>>134675344
Right on. It seems like a lot of property in the area is going for sale and that is also a deterring factor. Its a small townhouse 2 bed 1 bathroom with no appliances. Some of the other ones come furnished, maybe a fireplace, finished and heated garage, etc

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We just bought our first house at the age of 51&49. So proud of how hard we worked these last 1834 years to get it.

>>134673516

How can you even work full time in high school?

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>>134672831
This. Capitalists and Bourgeois will get their gulags soon.

>>134673516
You want at least double that if you want to get a good mortgage rate.

>>134672831
If you ever leave the city (if you can manage a few days away from degenerate clubs and the new starbucks drink) you'll see there are dirt cheap houses all over the continental United States, but nope, millennials sit in their box apartments and bitch because they want to have massive homes in city centers and 1000s of Tinder matches and if you don't subsidize it for them you're classist and probably racist too!

Fucking goons.

>>134675544
>he and one other person can't save $10,000
>20 hours per week per person = 2,080 hours per year
>2,080 * $8/hour = $16,640/year = $1,387 per month
>$10,000 down (down pmt + fees) / $1,387 = 7.2 months to own a home

>>134676013
It's because there's no fucking jobs outside the cities retard.

>>134675750
what market are you referring to?

>>134673398


huehue

>>134675984
>How can you even work full time in high school?
I worked full time my Junior year. Basically consisted of school, then work until 11pm and homework if I wanted to feel like shit in the morning.
Probably would've had a decent head start on trade school had I not been fucked out of all that money I earned.

>>134675876

Nice mansion!

>>134675469

>lying about the price of the median home
>lying about the financing available to teenagers
>not factoring the work available to teenagers

Your model still doesn't work.

>>134676103
there are a ton of businesses - suburban offices/industrial parks - outside the city

>>134676071
so you be sayin 15-year-olds are going to be able to pay a grand each month just put a roof over their heads?

>>134676071

>no other expenses

>>134670427
If you own your own house before 30, and I mean OWN, it's because you inherited it when someone died.

>>134676238
>lying about financing available to teenagers
fuck are you talking about
>lying about the price of the median home
I was simply illustrating a scenario where a 16 and 17 year old could own a home.

I literally own like 5 houses in different countries in the world? And I'm just 21.

>>134676283
$500 each?
what's so hard about that?

>>134676126
>what market are you referring to?
THE housing market; the general term we use to describe the arena in which homes are sold. home ownership has been on the fall since "The Great Recession"

>>134676103
Then start a business and make some, you kids are fucking inept lmao

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>>134676013
british house prices range from "extremely expensive" for small mouldy rural properties to "mind-scramblingly expensive" for tiny mouldy urban properties

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>>134676296
>living at home with your parents until you save up enough to buy a house IS TOTALLY UNFEASIBLE STOP SHOWING ME HOW ITS FEASIBLE *LALALALALALALALA*

>>134676395
they're 15-year-olds

>>134676357
whose cock have you had in your mouth?

>>134672831

It was a joke tweet. Why did everyone get so pissy about it? Fuck this gay earth

>>134670427
>american houses

I hope they enjoy their collapsing home when the wind is over 45 km/h

>>134676405
Well the market in my area is totally recovered, home prices exceed those from 2007

And my market is fucking dead and dying New Jersey. Compare that with markets like Denver and Seattle and Dallas and Houston and you're pretty much 100% incorrect.

>>134670427

they're probably not even together anymore

>>134674775
>people disagreeing means I'm right
flag checks out

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>>134670427
The problem is you have to work artificially harder than you should.

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>>134676565
because people are struggling with the very basics at the moment

>>134676550
OP image shows 16/17
I used to make $80 a night tax free delivering pizzas

>>134676477
ik but in the US of A it's different, you can get a cute lil house on an acre for 25k

>>134670427
Ive seen this before
>grandparent or other relative dies, inherits the house
>WOW LOOKIT ME GUYS! IM A HOME OWNER! WHY CANT YOU BE AS HARD WORKING AND SUCESSFUL AS ME!

alternativley:
>inherits money, makes down payment, get loan, mortgaged to the gills
>HAHAHAHA TOO BAD YOU PLEBS ARENT A HOMEOWNER LIKE ME!
>you dont own it tho, youre only one rate hike away from a bank forclosure
>STAY JEALOUS RENTALFAGS!

ALTERNATIVLEY
>mommy and daddy buy him a house
>LOOK HOW SUCESSFUL I AM AND HOW FAR AHEAD I GOT ALL ON MY OWN WITH NO HELP FROM ANYONE WHAT SO EVER!!!

Look, if this guy really did pull it off at that age on his own kudos to him. But I plave 99% odds on it being one of the previous 3 situations.

>>134676550
>>134676357
are you the spaniard from that wealthy family?

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>>134676103
>B-But I thought capitalism was efficient

>>134676356

Can a 16 year old get financing from a bank with zero credit history? You're just fucking lying this whole time.

>>134676799
ok

>>134673304
Can't even work full time at 16/17 only like 20 hours max unless they worked under the table or something which I doubt considering the loan wouldn't be accepted by people with "no income"

>>134673506
Considering you need to a roof over your head you're a slave anyway. You have the choice between paying rent or paying back a debt, while the former is wasted money the latter actually generates wealth.

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>>134676477
>can't call out a jewess MP
Should have played the Muslim card lmao

>>134676869
fucking this evry tiem

>>134676869
nothing wrong with the second situation.
as long as you are in a stable market you will make out when you sell the house.
and if the price of the house isn't high to begin with, then there's nothing to worry about because their wages will increase over the course of the mortgage

>>134675046
The thing is its not just one. It's Starbucks every day fast food for lunch and drinking on the weekends.

>>134676889
cosigner

>>134677005
stupid assumption

>>134675203
I feel your pain

>>134677038
ah yes the bank of mummy and daddy

your hard work in action

>>134676886
>>134676550
There are several wealthy families, Douglas.
Also no cocks have ever entered my mouth, not sure if the english can say the same lol

>>134670427
fuck off you fucking boomer

>>134676684
>these 4 super vague uncited anecdotes beat pew data
K

>>134674758
Most realistically, this.

>>134674975
Some people have higher mental capacity than you do, deal with it. Not everyone is built to serve starbucks.

Maybe he created an online social media company or apps, or opened up a store etc. many ways you can buy a home at 17

>>134676887
lmao these commie scumfucks want everything NOW NOW NOW they don't realize that communism has never actually lifted a population out of poverty, only caused mass starvation and death in already prosperous lands. BUILDING INFRASTRUCTURE AND CAPITALIST ECONOMIES (building anything really) TAKES TIME. IT TAKES TIME AND IT WORKS.

>>134673923
It's not wasted. By paying rent you can move tomorrow. You don't have that same freedom with owning a home. If you move 5 times before paying off your mortgage the transactional costs of owning a home actually cost more than you gain

>>134677239
>flag

>>134677088
you're just borrowing their credit score, you don't need to borrower their money as I have repeatedly demonstrated in this thread. btw, you live in the UK so none of this even applies to you

>>134677183
post the Pew data that you're referring to then

>>134677382
a fucking jewish kike hebrew

>>134677334
>It's not wasted. By paying rent you can move tomorrow.
The second part of your statement has nothing to do with the first part.

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>>134672831
He's probably also a quarter mil in debt.

It's sad to see at such a young age.

People change a lot between the ages of 17 and 23, I wouldn't be surprised if they ended up divorced by 20.

But yeah, that's the dream - nice home, Christian virgin who is loyal to you until you take your last breath.

And having lots of little crusaders running around.

>>134677415
LMAO
fuck its summer in here

>>134676865
Yeah maybe in bumfuck Wyoming with literally nothing around you for miles. Survive the winter and get back to me

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I find it astonishing how goyim are trained so well to respect money, to slave away for it without question, to rabidly lust after it with drooling desire at all times. This applies to every single anon in this thread as well. Muh job, muh savings, muh mortgage, muh this, muh that; only ever thinking within the narrow boundaries of a permissible vocabulary your masters authorize you to roam in. How tame and domesticated you all are. Incredible.
Despite the Jew-controlled monetary system being the lifeblood of the Jew's rule over this planet - a system which, if allowed to continue, guarantees with 100% certainty that any goy's descendants will suffer immensely as pitiful mongrel slaves - none of you show any flicker of an intention of ever challenging it or replacing it. None of you even seem to acknowledge it's a problem or to understand how it works. You're all content to hand over autonomous control of your willpower to a point system controlled by Jews, sometimes even gloating about how many Jew good goy point$ you have.
It's become clear to me that the Jews' dominance over this planet is secure and permanent. No amount of autistic screeching on a Sentinelese cavepainting forum will ever change that. I have thus come to the bitter conclusion that the only way my children will have any chance at a good life is if I impregnate a Jewess. I suggest you all do the same.
It boils down to one simple question: Do you want your children to be safe and happy, or do you want them to be miserable labor drones (like you probably are right now)?
Stop torturing yourself with concern over the fate of the white race. Most whites would happily assault you if they knew what lurked in your heart. Those are the people you call your brothers? Those are the people you want to save? Really? Aren't you tired of fighting this losing battle?
Breed with a Jewess. Escaping all of this psychological torture you pointlessly subject yourself to is just one creampie away.
You know I'm right.

>>134677334
moving around is an SJW subversion

>>134676550
I made 100$ a night as a waiter during my teenage years. It's easy

the fucks the point of having more than 1 room if you arent having kids?

>>134674595
That is literally the recipe of how to become a debt slave till you're 50. That is if no crash happens and the (((collector))) does a margin call.

>>134677544
>He's probably also a quarter mil in debt.
if that was the price of the house and he hasn't paid any equity into it yet

>>134675469
>chooses average house price of $150,000
Average American house price is $188,900

>Chooses an average down payment of 3.5% in calculator
Standard down payment in your country is 20%

So what you should be looking for In a downpayment is 20% of 188,900, not 3.5% of 150,000. That brings your downpayment to a more realistic $37,780 for an average house. That's a far cry from $2533.
Still think it's like totes affordable you guys?

>>134672831
I had a friend who owned several multi unit apartment buildings at 16.. fact was he wasn't legally able to own them but his older brother bought them for him... guy is like Doland Trumph rich now.

right, Spud?

>>134677044
Maybe for you bit here it's quite common

>>134672831
Depends on where they live. You can buy a hunk of shit in the middle of nowhere for less than 20 grand.

>>134677588
>why is this fucking idiot applying to be a waiter without at least an undergraduate degree?
>why does this fucking idiot expect a contract?
t. england

>>134676744
What the fuck is "corporate fascism" and how does the gold standard cause it?

>>134677610
only if you buy a house in a shit market with an adjustable rate mortgage

>>134673812
So what's the joke?

>>134677676
a mcflurry is an unaffordable treat. hell, food that is not prepared in the house is a treat. not something you have multiple times a week.

>>134676071
>$10,000 down
bs, it's 20% of the homes value and that isn't some 50k house their in front of.

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>>134674348

>>134677088
You don't need a family member to be a cosigner. It can be a relationship that you developed.

OP is a jew

he didn't even both to put on a disguise

>>134677658
Again, I was simply illustrating how a 16 & 17y/o couple could own a home.

>Get an FHA loan (minimum down payment is 3.5%)
>buy a $150,000 house (of which there are many to choose from)
Welcome to murrica britfag.

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apparently she's a dumb leftist whore.

watch her cuck her "husband" with a nigger.

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>>134676071
>He thinks its that easy
>he thinks mortgaging to the hilt is "owning a home."
You're obviously a NEET with delusions of grandeur so pls neck oneself

>>134670427

>They don't live in California

I went to college, took 3 full semesters with about 12-16 units each semester, so it's not like I didn't care, and even though I'm making close to 80K a year there is no fucking way I would be able to afford a house here. I know inspection guys making over 100k a year who still live in rental apartments because it would be the same shit in the end when you buy a house, maybe minus free reign to renovate however way you want.

Best thing to do is to stack money and move the fuck out where faggots like in ops picture can afford a house. All housing will become expensive in the future, especially in middle america and fly over states.

>>134677801
>he's never heard of an FHA loan

>>134677512
Freedom of movement. There is no cost to moving when you are renting, vs a significant cost If you are a home owner. Land transfer tax title insurance both real estate agents fees and so on.

>>134677920
It IS that easy.
I've owned my own home, since I was 27.

>>134670427
13$/h *40h * 52 weeks is about 27k a year. If they each worked for 3 years while living at home and having their lifestyles covered by their parents thats 162k which is a pretty good chunk of a house paid for.

>>134670427
I live in Philly and Im not sure I want to own a home here. There's so much gentrification happening that it seems to be just a facade.

Hipsters and yuppies are buying renovated row homes for 400k + in areas that are still fairly sketchy. I grew up in this city and theres no fucking way I would buy a rowhome for nearly that much.

The shit tier people who are getting pushed out of the gentrifying areas are ending up in the once really nice parts of Philly and eating through it like cancer.

>>134670427
haha kill yourself retarded third worlder

>>134677885
>a 16 and 17 year old can afford to:

Pay extortionate American property taxes
Pay rates, insurance and bills
Eat
Travel to work

On the wages you mentioned? Are you sure about that?

>>134677819
>cosign
No bank is going to approve a 30 year loan hinging on a cosign unless you know a guy; cosigners are notoriously hesitant to pay other peoples' debt.

>>134677334
>paying rent you can move tomorrow
What are leases? They are usually locked in for at least a year plus security deposit + first and last months rent up front.

>>134678001
G O Y

>>134673506
>t. rent slave

>>134676529

Can you show me an accepted mortgage when the applicant is 15 years old with no credit history?

>>134678001
This is a very pessimistic outlook
Most people make a ton of money selling their home after just 5 years.
Obviously we just saw a little hiccup in that trajectory, but by and large home prices are better than 2007. So if you bought a house in the depths of the recession, you can have a nest egg $100-200k ahead of someone who rented that whole time

16 and 17 and probably married suggests a state like Arkansas. Starter homes are 75-90k. 20k down both working starter jobs while living at home? Very doable. Yes things are terrible many places and good luck just moving to one of these low cost of living areas and finding work without connections, but people like this do exist.

>>134677885
>(minimum down payment is 3.5%)
>150k loan
do you want a housing bubble? because this is how you get a housing bubble

also the only way this makes any sense is if you're paying like double usury rates m8

>>134672831
I have a friend who worked a couple years construction and now owns his own ranch in Ontario. He's 20 and has a daughter.

Manage you money better you avocado toast eating fucks.

>>134670427
pro tip they do not own the house. The bank owns the house and lets them live in it. They will be in debt for that house until they are old and grey

>>134673304
Like a GOOD LITTLE LEFTIST, you do not believe that work can be profitable. Stop blowing all your cash on weed, retard. I retired on interest at 29.

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>>134675376
>Caring about what other guys do with their dicks

>>134678081
>What are leases? They are usually locked in for at least a year plus security deposit + first and last months rent up front.
I've never had to sign a year long lease. It's all shorter and half of them were month to month payments.

>>134672831
10% downpayment on a mortgage for a 150k house is 15k. Two people working a part-time minimum wage job can easily afford that with 2 years of savings, and if they have the self-discipline for that they're likely working a better job now than they did when they started.

>>134678343
what work did you do?

>>134678020
I'm a real estate appraiser in Philly.
Now is not a good time to buy.
Wait until next year, Philly market is currently stagnating and will likely see a correction next year. (then you buy)

Best thing to do in Philly now is to get a construction loan. e.g. buy a lot and build your own row home in a market you know will do well - like south Kensington.

Philly has had a massive dump of Class A apartments in recent years and they can't fill them up. Now is a great time to be a renter in Philly, next year or the year after it will be a great time to be a buyer. So start saving faggot.

>>134677544
he has space to raise a family with proper surroundings and not crammed into a 5x5 apartment in the ghetto, where the kids will grow up to be wiggers. thats worth any amount of money

>>134678057
They weren't 10 years ago.

>>134676887
The city is an efficient concentration of labor. A consequence of capitalism is the proliferation of urbanites, but sadly communism is just as much pro-urbanite, if not more

>>134678028
the payment of $940 per month includes taxes and insurance. and there are plenty of markets with low real estate taxes, particularly in Texas.

>>134678424

>zero expenses

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Tfw defaulted on mortgage because the wife literally couldn't stop spending my money
Why are women so shit

>>134678185
who the fuck is 15? why are we talking about 15 year olds?

Did you have a cell phone at 15? If so, who cosigned on your plan?

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>all the jealousy ITT

>>134672831
A friend of mine has 5 houses, the "problem" if you wanna call it that is that they are in rural areas, but even in america you could buy a mansion the same size as tony montana for dirt cheap in the rural areas

>>134678584
i'm sorry for that bro.

when i was single i could live off of like $1500 a month and save it. now...

>>134678290
the mortgage rate is like 3.5-4.25%
FHA loans only work on single-family, primary-residence homes. Not investments. So why would there be a bubble if someone is buying a home they can afford?

>>134678424
You only need a 3.5% down payment in America

>>134678259
Yes. And people who instead of paying 1000$ a month in mortgage payments instead of 500$ a month renting and 500$ a month on Bitcoins are 100-200k ahead of someone who was mortgaging their house. Hindsight is 20/20 what's your point?

>>134678578
What expenses did you have as a 15 year old kid?

>>134670427
shut up boomer. you will die in a city turning brown and its your own fault

trump can deport beaners but not nigs and they have started spreading out and they more annoyed you get the more show up and this is government subsidized because only white people flee from nigs. asians show up in greater numbers when you fuck with a few of them. they start sending people who dont mind going to jail

>>134670427
Reminder the credit system makes it almost impossible to buy a home unless you use credit for everything.

>>134678742
>single-family, primary-residence homes
you myswell just rent if you're not making money off it

>>134678490
I started saving a lil while ago, so Im good there. I was thinking about applying for a 203 load for a old victorian in Tacony. Its hard to tell how that area is gonna end up. Theres still some good people there but Frankford has been knocking on the door.

>>134678788
>500$ a month renting
why are you using two different payments in your example?

Compare apples to apples.
$1500 per month on a mortgage vs. $1500 a month on a lease is the comparison we're making.

>>134670427
Come to Canada asshle - it is not worth it and the chinks are fucking up the economy due to the Hong Kong 2047 event

>>134678901
t. jew

>>134678261
It's fake. They didn't buy a house they were just pranking people.

>>134678901
how are you not making money off of it?
You sell your house in 5 years and make a massive profit.

>>134675047
>>134677610
what is the triple parenthesis meme about?

>>134679065
>paying off a house in 5 years with no extra income from rental properties
haha ok

I forgot the houses there are so cheap because they're made of cardboard.

>>134670427
I'm a home owner, but I had to move away from the city. It ain't easy these days with inflation and cancerous boomers witholdijg property to artificially drive up the price. Boomers are responsible for this mess too nigger. It ain't easy like it once was to own property

>>134676071
dont forget taxes you retard

>>134678005
Nobody in north America owns a home. You don't own anything that can be taken from you with a missed tax payment.

>>134679125

It's a way to identify jewish control/influence. Came from the Daily Shoah. Naming the Jew allows you understand who is trying to direct your culture.

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>>134679125

norcal checking in...
put an $85k down payment on my house when i was 25.

the power of a public school high school diploma

>>134679170
>what is equity

>>134679021
That's too bad. They look like a nice young couple.

>>134679568
>cardboard
>maturing in value
ok hoss

I could have done this at age 17 if I had really wanted to, but I didn't because I'm not an inbred rural retard. Instead I'm going to be making 100k+ right out of college and renting an apartment for $2k-$2.5k a month. And in a few years I'll buy a $1-1.5M house with my dad's help.

>>134673938
t. poorfag

Already own 2 homes at 24, buying another 2 probably before the end of the year.

>>134670427
Give it time my friend. A small house costs 200-250k. I got 70k in my savings account and (being single) I can take a loan of up to 160k.

I'm turning 30 next year, so I'm looking around for a decent place now and still saving up more. I reckon I'll be able to get my own place by 35, and pay off the loan + renovate as I go until I'm 65. Right in time for retirement.

>>134677576
You're right, but at this point I've just accepted that this is the system we have to live in, so I play the game. I've basically taken the gray pill.

>>134670427

> being 10x leveraged long real estate

no thx.

>>134673441
You should do any maintenance and aesthetics work yourself and flip it as fast as you can. You could easily make 15-25k in a 2-3 month span.

>>134679486
>>134679492
lmao i thought they were sound waves

>>134678985
Because renting is cheaper than owning.
A 1500$ lease house is not the same as a house that is 1500$ a month in rent.

>>134680272
so like pokemon but the jews just say jew?

>>134680390
Depends on the area
My area is a small town in the top 5% of the nation for shitty rent-buy ratio
Pretty much wholly due to section 8 housing, as its valuation is much higher than cost of living here, so even the shittiest of shit rental properties are worth at least $800 according to the state
A typical 2 bedroom, 2 bath duplex in the area is around $1100 a month
Once I get the minimum down payment together, I'll be looking at a 15-year mortgage on a 2 bedroom, 2 bath house for around $600 a month

>>134672831
I worked between 15 and 18 during high school. Entered college with almost nothing. This is not wrong.

>>134678853
I remember when good ice-cream cost 0.25 EUR when I was a kid, now it's 1.20 EUR.

>>134670427
Does renting apartment count? I'm 28.

>>134679901
what are you doing with all of these homes? are you renting them out?

>>134670427
I would own a home if I lived somewhere shitty, but sadly I live in a nice place

>>134673441
>I don't know if I'm ready to pull the trigger.
The answer to that question is always: Do it, faggot.

>>134680272
They are. The sound of (((someone))) vigorously rubbing their hands at the misfortune of the goyim.

>owning a home

I personally dont see the appeal. I love knowing I can leave whenever I want. Or when there is a storm I dont have to give a shit about the property. Having liquid cash one can be much more opportunistic and possibly get rich, instead of pumping their cash into a piece of property.

try owning a home in the Bay Area. Take it from me, I do and it's not easy at all. When I bought my home I got lucky because it was only 550 K but now to get into my neighborhood the minimum amount you would be able to spend is atleast 750 to sell above a million dollars depending on size and whatnot. It's next to impossible for a lot of young people to buy something in this area. All you people in the Midwest or south have it a lot easier, I could buy five homes out there if I wanted to. The Bay Area is a whole different level the a lot of places in the country.

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>>134670427
I'm 28. I've never made more than I do now. I called the bank. The maximum mortgage I can get is $188,000.

I spent hours on zillow. The only houses in my price range are "CASH ONLY OR REHAB LOAN" and manufactured homes in parks with space rent more than the mortgage would cost.

Three people used to do my job. And they all got paid more than I do, absolute not adjusted for inflation.

>>134673304
20K, a decent down payment is about a year's work (40 hours a week) at minimum wage (used $10/hour).

We can cut this in half since two people. And we might imagine them only working half that. But even without overtime or working particularly hard that is just a year's savings.

>>134678521
>why am I financially ruined

>>134672831
This, realistically.

Every humble-bragging #blessed yuppie was actually supported through college, winked into a job a-la dad, and you can guarantee this couple, however hard they worked, were only able to see such fruits of their labor by the aid of their families.

With all their own hard work, but without familial support, it would probably be a used Honda Civic in the background, instead of their first house.

>>134682310
$188k will get you a fat, new two-story, in Texas.

>>134670427
>white couple
>own a house at a young age
>will probably soon pop out white babies
Good for them. Gen Z seems great. I hate being a millennial.

>>134682723
Can you move my job to Texas?

>>134679901
You are a part of the (((tumor))) killing america.

>u mad br-

No, just pointing out that your greed and lust for power are contributing to the down fall of society. Enjoy your riches while you can.

>>134670427

They worked for years to come up with the 5% deposit on the mortgage, with their parents as guarantors.

>>134682899
Do you work in engineering, oil, tech, banking, insurance or med industry?

>>134670427
The plants point towards it being an arid environment, so it isn't really a surprise if they bought their first house. Getting a house out in the desert is dirt cheap.

>>134683161
I'm a paralegal.

>>134682940

t. complete looser

>>134670427
Meritards believe that working at Daddy's law office for a summer is HAHD WOOK.

>>134675876
Yeah...I'm just going to save my money, invest, and retire to a foreign country. This shit isn't worth it.

>>134683508
How is it? I'm certified but couldn't find an entry into it and am strangely happy not having to work in an office or social environment. It's to the point that I'm happier with an almost $10k pay cut than I was alternating between cringing in an office chair and drinking as much vodka as I can, to forget whatever happened that day. 12 hour shifts in a business park feel infinitely relieving, compared to 9 hours of dressing client concerns and trying to juggle paperwork in my memory, as was the case the last time I worked in an office.

>>134670427
Owning a home isn't always a great investment I easily could buy. But, I burn my capital that does better in the market. I also assume risk. My stove died, one phone call it was replaced. As a single man buying a house would be a waste of money. I've crunched the numbers for myself.
Over all most ppl it's a good investment but to claim for all is foolish and why so many idiots ended up underwater.

>>134673441
Flip it then rent it out. Mr money mustache suggests this

Get fucked nigger.
We don't want to settle down like a little bitch baby.
We're gonna burn this faggot country to the ground.
Fuck you boomer nigger.

>>134670427
Hard work is worthless if your co-workers hate you.

>>134684429
my gdp and national debt tho...

>>134675984
How could you not work full time in highschool? How did you pay for food car and auto/health insurance?

>>134680886
Well I mean no shit if you're living in those circumstances it's different. But 95% of people don't.

>>134682310
time to move

>>134670427
>the amount of triggering ITT

>>134677576
This. Pls God end me.

>>134670427
>everything is always just and fair and you aren't allowed to ever want things to be different than they are right this moment
How brainlet do you have to be to actually think like this? This is like mentally-handicapped-tier reasoning.

>>134682310
Ask for a raise then :^)
But honestly I would apply to other places. They always say that you earn more if you switch jobs every couple years.

>>134683535
Yep, got me pegged.
Nice job detective.

>>134683755
Is there any proof that they did that instead of working as waiters?

>>134673398
hue

>>134680390
$1500 = $1500
If you're talking about shit like fixing the house up and improving it and the costs of maintenance, all that is recouped when you sell it if you didn't over improve it.

You can buy a piece of shit house at auction with a loan for X amount, get another loan to pay a contractor to fix it up however you like it, refinance the whole thing at a lower rate and pay back the first two loans, and you'd still be ahead of the renter while living in an effectively brand new house.

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>>134683955
Go to Poland.
But you have to be white and not gay

>>134677576
the ironpill has been dropped

>>134677576
So what, I'm supposed to build a fucking house now?

>>134682310

get a wife and dual income will let you go big on mortgage so when you lose your job you're both drowning

>A 50 year life sentence
>If I were able to find something affordable I need to love 3 hours from work
>locked in one place and no freedom to move unless you sell it

Yeah nah, I am 20 and make 50k already but maybe I will buy a house once I am 30 and can afford to live life

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>>134684157
>>134684157
It blows pretty hard.

Most days two or three clients scream that I am ruining their life because the court scheduled a hearing at inconvenient time or the opposing party gave them a call and didn't leave a message or because they think they shouldn't have to do anything personally.

Then there are the ones who want 10+ hours of extra legal work because they already retained an attorney for one thing, so of course we are here to solve all of their legal problems.

I have to work late every day to keep up with the work, but now that my health is declining I can't do that so I'm constantly juggling an impossible amount of work.

The attorneys I work with make me read their e-mails and notices and calendars out loud to them so that they don't have to read.

If I forget to do anything or don't have it done in five minutes, the clients call me a horrible person and the attorneys accuse me of trying to get them disbarred.

Honestly, I wish I was a NEET. I'm so mentally exhausted after work all I do is play vidya, shitpost, and watch Netflix anyway. All of my dreams are on hold.

>>134677576
This is why we need Jesus. He literally spoke about all of this shit 2000 years ago, this is why the Jews hate him, he exposed them and tried to free his followers from their usurious ways.

>>134677239
>Maybe he created an online social media company or apps, or opened up a store etc. many ways you can buy a home at 17

Or maybe he's like you know Facebook's CEO!

Hehehehe, only retards are not billionaires.

>>134685286
>Having dreams
lol

Dreams are not for the goyim.

they probably live in the middle of the country where homes are <$100k. monthly payment only a few hundred bucks. get married, get a home and a job you fucking degenerates

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>>134684949
Okay. Let's assume two things you said to be true.
1.Houses increase in value over time
2. A 1500$ house is a 1500$ house.
This is great for me as a home owner, because I can rent my house and it covers all the expenses, and then in 5 years I can sell it off and make a massive profit.
Why would the guy next to me not cut his cost to 1450$ to attract tenants? 1450$ is better than the 0$ a month if he doesn't get anyone to stay in his house.He's still going to get a massive payoff in 5 years when he sells the house, the 50$ would act as a downpayment towards that larger payoff down the road. And if the guy next door is cutting it down to 1450$ and you're not getting any tenants why not cut down to 1400$?

>>134685233

>living life costs money

retard

>>134685286
Well, that was $2k well-spent. Everything I feared and still wince over from working in an office.

At least now I know better. Thank you.

>>134685524
>also everyone move to Kansas at once to husk corn
Fuck you.

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I've always wondered why you would want to have a job while you are attending school.
Like, if you have to because your parents won't even house and feed you, fine, but why do people get shitty service jobs when they don't have to?

Do people intend to further their careers with these jobs?
Is owning a car and having spending money really worth those hours of your life?
Do people actually enjoy that kind of work?

You need a job to become independent, but that's only after you've gone through at least enough basic education to get a job that requires skilled labor.

>>134685346
https://youtu.be/cdEMw_lDUx
If you're poor you're a retard because you didn't finish highschool or had kids out of wedlock or didn't get a job. this is true for 98% of poor people

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>>134684756
Asked for and received two raises in the last year. How do you think I can afford $188,000?
>>134684620
Probably should. I could never save up for moving expenses before. I would be really anxious about getting screwed over financially hundreds or thousands of miles from my family. They're the only reason I didn't become homeless years ago.
>>134685213
I spent years trying to do exactly this. Women don't want me. I have lots of health problems, so I don't want children, which puts off more traditional women. I live in a blue state, so most of the rest are feminists or literal rioters. Maybe in ten years I will be old enough to attract some mentally ill girl with daddy issues.

>>134685865
I worked throughout highschool because family life was terrible and it distracted me from it, kept me busy.

>>134670427
The power of white skin

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>>134670427
>>134673120
>>134673506

Yeah and in a few years she'll leave him and go ride the cock carousel in college and he'll be stuck with a house he can't afford and a tiny white dick.

Fuck women and fuck niggers.

>>134681821
(((lmao)))

>>134685970

So it's a matter of escapism then? I didn't work through high school or college. If doing menial work is a better alternative than being with your family, you must have a shitty family. I'm sorry anon.

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>>134686009
I'm pale as the moon. Where's my goddamn complimentary mcmansion?

>>134670427
I'm sure they worked but even so a minimum wage job for max 3 years between them?
That's 36000 in a place where minimum is 10.50 (hint only supreme liberal shitholes where they could never buy a house without a much better job) and that 36000 is without subtracting
-taxes
-living costs
-traveling costs (car payments or bus fare or whatveer)
So realistically, they had mommy and daddy's help just like every cunt I see at 15 with a fucking mustang that their daddy didn't want anymore
This isn't being salty, this is being realistic

>>134682723
Yeah, but then you're in Texas. I'm sure you can see the problem here.

>>134678011
>no taxes
>literally 100% of income goes to savings

>leaf

>>134686147
Well yeah. I started working after my father died when I was 14.
Even when I was with family I was miserable if I wasn't able to distract myself.

>>134686289
Well, I guess you have a point about all the niggers. Other than that, the housing market is really nice.

>>134685970
Fair enough man, good reason.

>>134678011
>no taxes
>all income is saving
>no limiting hours based on them being under 18 (during school with a work permit which is required to be a legal worker you can only work 18 hours)
>being a leaf
You're retarded

>>134670427
Reminder that moving out is against tradition and a Jewish trick to get to to pay rent and stop valuing family. Multi-generational households are traditional and we're common pre-ww2.

Men are to stay living with their parents, and their wives will eventually move in to. They can help their parents with the house in their old age, and also receive free babysitting. They also remain close and the grandchildren get a close relationship with their grandparents. And with everyone pulling resources, living is cheaper and additions can be made to the house easier. Eventually the house will be left to you, and you will leave it to your kid. This is how wealthy families stay wealthy.

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>>134686155
Or they worked a job with a variable wage, like a waiter or waitress. I'm sure the boomers would tip more if they talked about how they were pulling themselves up by their bootstraps and aiming to buy a house and start a family before they're 18.

>>134672831
This unless you're buying a shithole in the middle of nowhere which those people clearly didn't do

>>134672831
Seriously? Such a defeatest. I earned $5000 a week working from home. I got the job by clicking on a URL. Work everywhere.

>>134686640
>boomers
>good tips
You gotta be fucking kidding me

>>134672831
Truth. They had help.
>>134673072
Then move you retard.
>>134673185
Probably, or they had help.
>>134673120
1% downpayment, maybe, with absurd interest rates. Possible.
>>134674758
Could have inherited, yeah.
>>134675107
Yep, post-industrialization wants to push adulthood back to at least 25 years old, if not 30. I was fully capable then as well, started a business, then basically made to go to college instead. I finished and went right back to my business and have worked from home for myself ever since and all my classmates wish they were me.
>>134676302
or you built a cash-flow asset and sold it for a nice monthly multiplier... 25x-35x or more depending on the industry.
>>134676799
I knew 2 guys in college who would wait tables at a sushi place and bring home $300-400 in tips on Friday and again on Saturday. $600-800 a week, every week, week after week, the entire time I was in college, for 2 evenings of work. It's possible to make some bank, but these high school kids weren't doing that. Source: Look at their clothes.
>>134677938
Then move, you r-tard.

>>134674758
>where are that girl's trousers?
She's wearing shorts, you just can't see them because they're covered by the shirt. Short shorts and a large t-shirt is a pretty popular style here nowadays.

>>134686848
Where is here
In cali it's basically expose as much skin as possible or cover all of your skin
That style is for sluts and losers basically

>>134685916
Could you explain you health problems in detail?

For science.

>>134674758
>where are that girl's trousers?
Most women in the United States just wear a long t-shirt and then a pair of panties or a thong underneath instead of pants or shorts.

>>134670427
>>wot is i b4 e except after c

>>134685867
>Video does not exist

Y-yeah ok man ...

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>>134670427

Their parents are likely home flippers and taught their spawn the same art of wealth extraction for putting in the shittiest materials while using the worst labor.

They will flip that property soon enough and move on to contribute to the cancer that caused the last recession.

Because of this property values are still massively out of whack and there's millions upon millions of homes that just sit empty. The whole market is set to crash again because people are allowed to get away with it.

This country needs to prevent individuals from acquiring more than a few properties in a given amount of time and establish deep regulation on pricing.

As long as this country continues to operate on a principal of fuck everyone else, get mine when it comes to everything it's going to continue to spiral down the drain.

>>134687018
What's your flag faggot
Because I bet you're in some shithole like Brazil or India where your women just wear their naturally grown fur

>>134686944
Here is the US South. I live in GA, and saw girls like that all the time in HS.

>>134687067
https://youtu.be/cdEMw_lDUx0

I wouldn't mind living in these $20k shitshacks if they weren't all located in dangerous nigger areas

>>134687129
Yeah because the south is disgusting
California is a shithole but the south is literally the worst place I've ever been and I would kill myself before choosing to live in California

>>134670427
When they eventually separate, it's going to suck splitting everything 50/50

>>134686769
They tip better than a lot of minorities

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>>134686150
Pale =/= white
Real whites have a reddish/ orange tone to their skin

>mfw you can get a 50k a year job very easily in Kentucky
>mfw with an FHA loan you can get a 200k house for 7k down
>mfw first time home buyers in kentucky get 10k from the state
>mfw get paid 3 grand to buy a house
>mfw housing market is doing absolutely amazing in kentucky
>mfw job market is rock solid
>mfw I make 80k, my wife makes 65k
>mfw both of our jobs are 401k jobs
>mfw we'll be retired millionaires at age 40
>mfw I have no face

You pathetic fools.

>>134687312
>they tip better than a lot of minorities
That's because minorities don't tip

>>134687392
>millionaires
You're gonna be living in a shitty suburb surrounded by similar houses doing the same thing over and over again, the same sex, job, people, drive, every fucking thing for the rest of your life
You're the pathetic fool

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>>134687342
Well, this is a new one.

>>134687571
>he thinks I didnt get a 3 story 6 bedroom house on 40 acres 20 minutes from the city for that 200k

Please visit Kentucky, fool.

P.s. I work for the fire department, 24 hours on, 48 hours off. My wife is a nurse. Both of our wages will increase a lot, and we have fantastic benefits.

I should buy some land in FL and build up a lil homstead

>>134687630
There are pale people from all over the world, from asia to Central and south america. Im guessing you have ancestors there.
Aryan people have a reddish tone to their skin, pale doesnt mean shit.

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>>134688106
I recently did one of those ancestry things and I'm 90% European, 10% "Asia Minor" which is Armenians, Greeks, Georgians, et al (non-European Indo-Europeans). All of my haplotypes are from the earliest Europeans and actual Aryans.

But why have science when you could just make weird shit up?

>>134673261
They can just void the contract

>>134688448
>10% asia minor
I knew it. I was going to specificaly guess you have ancestors from there. I had an ex with turkish blood and she was pale as fuck but didnt have that reddish skin tone pure whites have.

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>>134688899
Like how anzu is pale for example

>>134676103
>It's because there's no fucking jobs outside the cities retard.

I'll take "commuting to work for $200, Alex".

Tell a millennial they can live in the suburbs and they lose their shit. Guess what? Living close to downtown is always expensive.

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>>134688899
Asia Minor haplotype. My mom was into Ancestry.com for years and we don't have a single Turkish or Greek ancestor within the last 400 years or any attested before that

Not that you have the least interest in facts, but as I said in the post you were replying to, Asia Minor is what Geno 2.0 calls Armenians, Greeks, Georgians, Hittites, Luwians, Lycians, and the handful of other Indo-European groups that were first attested in Anatolia. Modern Turks have the same haplotypes as Armenians and I don't actually have the same haplotypes as either group (Got some really distant Greek).

Note that other Turkic ethnicities (Turkmen, Kazakhs, et al) don't have any Indo-European haplotypes.

But keep going on about how I'm not white because I spent 99% of my time indoors with long sleeves in a region known for high rates of SAD and you figured out one weird trick for feeling superior.