>>62331557
No, all your net worth is 100% in fairy dust if you do that. Owning your own house is at least something real.

>>62331557
Owning a house is pretty much a hedge against inflation. You always lose money with a hedge but it keeps your loses down

>>62331577
home owner cope

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>ran it through an AI and it agreed

my neighbors just kicked out the NIGGER family that was living there to move their daughter in
>gtfo rentgroid you're no longer welcome

>>62331557
This is why so many renters are really wealthy, not in debt or living month to month.

Oh wait.

>>62331557
It's only true if you're high IQ and have a specific combination of personality traits

>>62331607
Basically someone with discipline who doesn't spend all the spare money they have after necessities

>>62331623
Exactly. Which is actually fairly rare.

>>62331557
This guy is running a fed psyop to keep your fiat in the US markets. If it’s true it’s only because of bad monetary policy and consequential inflation. You’re a total failure if you run this strategy.

>>62331557
Or you can have the best of both worlds and buy a house with a roommate(s).

I have my mortgage completely covered and will have a nice house paid off for me. The mortgage interest is tax deductible as well as money I spend on the house like maintenance.

>>62331724
>a house with a roommate(s).
You meant a spouse?

>>62331738
Potentially. But personally I bought a house with a casita. The casita basically covers like 60% of the mortgage. And I also have 2 other roommates in the main house, but I may kick one out so I can have the master bedroom.

Even if you can just tolerate roommates for 2 years, you can use those 2 years to get all of the home improvements/repairs tax deductible, then kick them out.

Yeah, then you lose your job and homeless. Interest rate for homes are lower than inflation in many occassions, just get a flat rate during those periods.

Fucking right wingers buying houses wat idiots lmao

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>>62331557
Kind of. I made 200k and bought a 160k townhouse that everyone made fun of relentlessly. It allowed me to compound though and retire at 35. Oddly Run the Jewels gave me this life advice in 2009 on the cartoon network.

Owning a slum>cheap rent>expensive house>expensive rent

>>62331714
Why are you here? You can not have any money.

>>62331557
>"I'm raising the rent."
>"I'm giving you a 2 month notice to move out before I start demolition."
>"You're new neighbors are Indians."
>"I'm selling the building to the Goldsteins."

>>62331557
Given current performance in real estate and equities. When index funds take a shit it won't be true.

>>62331793
I saw this happen to a guy where he had been living in the home for 20+ years. I was there to do some work and their real estate agent and buyers were there. The rentoid was seething

i think the only time you can beat the S&P in real estate is if you rent out several properties. nobody gets rich paying a mortgage on a single house, if anything you barely break even by the time 30 years is up when you account for inflation.

The only exception a house is a better deal is if it's 100% paid off and has upkeep of $1000 or less a month everything included such as in the case of inheritances.

Other than that cheap rent beats it every time. There's apartments in the Midwest right now I could move and live for $500 a month.

Buying a house in cash is rat poison squared. It not only takes money from you every month with shit breaking and upkeep constantly like mowing but that money is locked in and earns zero in dividends and zero dividends.

Equity is a meme, any money you earn from the house appreciating goes right back down to baseline or even losing money because of repairs and monthly costs as well as houses losing value with age unless they have lots of land.

S&P 500 has made 16.5% last 5 years

you will own nothing and be happy

this guy would be hung and raped in the 1400s

>>62332009
>Buying a house in cash is rat poison squared. It not only takes money from you every month with shit breaking and upkeep constantly like mowing but that money is locked in and earns zero in dividends and zero dividends.

What is rental income

yes, you can get a better return from renting and investing vs owning. but I’m sure even this slob will tell you that the benefit of owning is that it compels you to invest each month by paying your mortgage. there is no imminent threat of homelessness hanging over the renter’s head to make a monthly contribution to an etf.

It's true if you're renting an appropriate sized apartment and are willing to deal with all that entails. Morons will read this and then rent a house for $5,000+.

People dont have the discipline to invest, but they are going to probably pay their mortgage. Its also a way to get 30x leverage and never get margin called because the zestimate dropped. This turbofag also bought the top of the austin real estate bubble so hes just retarded. The actual smart way to own real estate is wait until dividends cover your mortgage or your port is big enough to buy a house with margin. Im opting to quit working for kiks between 40 and 45 and start developing property myself.

>>62331557
it's true, but the truth is that the median normie doesn't have the will power to invest in that manner. if they rented, they would just blow all their money on frivolous shit instead of investing. buying a house forces them to put equity into the house. for disciplined people, buying stocks is MUCH better than owning a home for wealth building.

>>62331562
I can sell my fairly dust without weeks of inconvenience and a 6% tip. sounds good to me.

>>62331557
living with your parents and investing everything in the stock market is better actually

>>62331557
Housing is an expense, not an investment. There is nothing inherently wrong with renting and each transaction has to be evaluated based on its market. You can get good deals and bad deals whether buying or renting. In the vast majority of the US, the real estate appreciation rate rarely performs better than even the bond market. The biggest advantage of owning is it is harder for you to be kicked out and you can generally get more home for the money you are spending (not always true), but at the cost of maintenance, taxes and liability/insurance. The decision to rent vs buy is far less important than the decision of what portion of your income to spend on housing. If it is more than 25% of your income, you are in the danger zone of permanent debt slavery.

I can tell nobody here owns a house. They are money pits just like a shitty car

it's true if you just need a bed and a roof to pass the time between wageslaving sessions. i.e. you don't need rooms for kids, overnight guests, office space, and off-street parking for multiple cars. in which case, why even live

When you ask them for real numbers instead of just trust me bro it almost always turns out they are comparing something like buying a 750k 4 bedroom house to renting a studio apartment.

rent gets more and more expensive over time
mortgage stays the same, even though the property value grows.
it really depends on a lot of factors, but it's nice owning something, and not having to worry about jamal burning down the whole building cooking his fried chicken.

>>62332320
>jeets move in and become your neighbors
What now bitch?

>>62332370
fire up the jeetshaker

>>62331557
People confuse what's the best return on your money and what's the nicest feel.

If you are trying to have the most money then renting+S&P500 wins. Especially if you go to "renting modest apartment" vs. "buying enormous boomer home with yard and other bullshit", which is what happens in practice when people consider buy a home.

But obviously having your own home feels pretty nice and you can enjoy stuff that's going to be rare to nonexistent in rentals.

The real argument is people saying "good investment" and confusing "maximizing returns" and "nice thing to buy I like". If you don't specify which one you're talking about then it's easy for people to disagree.

>>62332222
I own a house. It's not a good investment, it is an enjoyable (and fairly cost-effective) expense.

>>62331562
you gotta understand the context that caleb is a gay jewish man in Austin where owning a home is an alien concept and everyone just rents because they understand that eventually they'll return to their home city like a salmon

>>62331557
it might only be true if you only care about numbers
in reality, living in rent is shitty and if you don't care you're a piece of shit person
who cares if it's more expensive to own your own home? you have it exactly the way you want and you get to pass it down to your kids

>>62331577
>Owning a house is pretty much a hedge against inflation
that is retard level thinking
you own a house to live properly, not at the hand of a retarded landowner
anyone who cares if their house goes up or down in price is a retard. if anything, if your home goes down in price it means you pay less property tax. only a RETARD would think "durrrr how i can't sell duh house i bought for more". you wanna gamble money? go to a fucking casino. houses are for living in

>>62332370
File complaints to management. After 30 days, file a complaint with your city/county public health association.

People actually think Caleb Hammer's channel is genuine? Are you the same people that think Kitbogas channel is real?

>>62332420
what if management is indian
what if "city/county public health association" is all indians

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>never owning a home is actually... le good

>>62331562
>Owning your own house is at least something real.
"Owning" home isn't any more real than owning a stock. You only "own" the property because the government says so on a piece of paper. They will take it away from you if you don't pay their protection fee.

Stocks are a lot less maintenance and just as fake as home ownership in this economy. You don't need to pay the realtor guild to access your wealth and you don't need to pay the government protection racket.

>>62331557
>stock market crashes
you live in a slum and have cocks and balls in your mouth
>housing market crashes
you keep living in your house as if nothing has happened

File: 162378632836593245.png (104.8 KB)

>buy a house
>niggers move in next door
>youre stuck with the bank and a property that will depreciate

>>62331557
Money = debt
Hoarding cash = owning someone's debt
Buying stocks = buying casino chips with the debt
Owning anything tangible = real ownership

>>62332644
Ignorance is truth.

>>62331557
Only boomers wrap up all their value & retirement in their house.
You need both.

>>62331557
>AI slop agreed
They’re programmed to

>>62331741
I'm doing this but with basement rentoids, 90% of the mortgage is covered.

>>62332222
That’s because the point of a house is to raise children. Singles, dinks, and other failures don’t need one

>>62331557
That's totally true. Home owning, especially at a young age, is retarded. It's really the midwit option.
>>62332222
This. Flats are a little better, but still don't beat stocks, precious metals, or crypto (for those who know what they are doing).

>>62331557
Paid like $300k cash for my house.
100% white neighborhood.
100% white area.
99.9% white country.
90% property tax discount for having 4 kids.
Pay literally $25 a year property tax.
Sleep like a baby in my nice family home where my wife and kids and I are safe and secure.

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>>62331557
caleb is also a landlord so hes just telling the goyim to stay in their place
your rent will increase every year
your mortgage will not

your primary residence is not an "asset" that you are going to sell off, you will always need one to live in. thats the whole point of having money. for most wagies 10% of their salary ($6k median) grown at 10% on a good year will bring you $600, while Mr Hammerstein will probably increase your rent more than $50/mo. the market is something you should absolutely participate in with extra money but this is landlord propaganda

also nigger i like making loud noises at night and having a lawn, rentoids cant imagine that freedom

>>62331557
Assuming the stock and house markets behave like they did in the past, then yeah.
House values in the US increase about 3-4% per year. Investing in ETFs historically gave you 7+% per year averaged over several years.

Plus a house needs regular maintenance and taxes. An ETF investment portfolio requires almost no maintenance.

>>62331557
if you look like that dude in the picture
>youre jewish
>youre fat
>you wear glasses
>your hair is cut
>except for the top and front
>curly hair
>black hair
>facial hair
any one who looks like that should be sent back to israel

>>62332905
Can't sleep in your stock portfolio.
Can't bring your GF home with your online assists.
Can't invite friends to your portfolio for a BBQ.

>>62333014
Rent an apartment and invite your friends to a hotpot or something.

Obviously its true that dumping the entirety of your disposal spending into a home rather than saving money/investing for 20+ years is a silly idea

Depends on mortgage vs rent rates of course
Lotta places that are very inflated in property costs right now

>>62333014
this.
/thread

Wait people didn't know this? Lmao the 2020 housing market rise is not a regular thing.

It doesn't make sense to buy a house until you have least $250k and actually have a family that needs a house.

>>62332864
>your rent will increase every year
>your mortgage will not
*laughs in property taxes and insurance*

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>Because it's easy to move out
This implies you are going to be moving around chasing areas that are not nigger-infested. This can be costly or incentivize you to own less. Just keep running away from your problems goyim and let the minorities replace you.

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>>62333165

Insurance is such a scam. Also fuck property taxes.

You will never own your own home until you walk into city hall with a shotgun and blast all your local government politicians to pieces then declare anarchy on property.

>>62331557
the house is a physical fucking asset, it IS part of a diversified portfolio. Rent isn't cheaper than a mortgage in most places worth living.

>>62331714
>fed psyop to keep your fiat in the US markets. If it’s true it’s only because of bad monetary policy and consequential inflation. You’re a total failure if you run this strategy
This is why I'm 100% in physical silver

>>62333276
You can just pull equity every 3 years to remortgage because houses just go up

Is renting the ultimate cuck? I cannot think or comprehend of anything more cucked than being a renter. Honestly, think about it rationally. You are working, budgeting, paying bills, and handing over thousands of dollars every year solely so someone else can build equity.

All the hard work you put into earning that rent money — waking up early, commuting to work, putting in overtime, dealing with your boss, saving where you can. All of it has one simple result: another person's mortgage gets paid.

Found the perfect apartment? Great. Who benefits? If you're lucky, a random landlord who had nothing to do with the way you earned that money. He collects the rent every month. He gets the appreciation. He gets the equity. He gets the tax advantages. He gets the asset.

Meanwhile, you get the privilege of paying for the roof over your head while building precisely zero ownership in it.

Kept the place spotless? Great. Made every payment on time? Fantastic. Stayed there for ten years? Wonderful. Who benefits the most? The owner, whose property value has gone up while you funded the carrying costs the entire time.

As a renter, you are LITERALLY dedicating years of your working life simply to help another person pay off their property. It is the ULTIMATE AND FINAL housing cuck. Think about it logically.

>>62333753
The ultimate cuck is the land janny who accepts a below market return while giving up evenings and weekends to fix every little issue with his 'investment'

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>>62333165
Because when the landlords taxes and insurance goes up, he surely won't pass that cost on to you!

>>62332205
There are a few major legal benefits to owning your own home that you don't really have as a renter. Off the top of my head to do with search and seizure, but also I think with court fines I don't think they'll take primary residences in bankruptcy but you can lose your lease from a bankruptcy.

That said if someone is staying out of trouble and not being targeted renting is okay, up to perfect fine depending on the neighbors and problems they might bring with them.

justicemap.org

>>62332387
>"buying enormous boomer home with yard and other bullshit", which is what happens in practice when people consider buy a home.
That's real estate agents' fault. They push homebuyers into buying the very biggest house they can because that gets them a few extra hundred bucks in commission. It happened to me, too, although in my case I was being excessively stingy and the house wound up being the best option of what I was looking at, regardless (the others were literally crackdens and uninhabitable).

There probably needs to be some regulation on real estate agents to make them stop doing that, and provide better advice to home buyers based on what they need, rather than what they can afford with maximum financing.

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>>62331557
having your own home is a mental satisfaction thing, people who live in their own homes are happier, period, life is less stressful, you can decorate and modify it however you want, the government doing retarded shit with immigration doesn't fuck you over directly, as you aren't competing with any jeets being bankrolled by their family for the chance to live in your own home. No lawsuits over damaged utilities with the landlords, no landlords at all etc.

Also, my unit is worth like more than double what i paid, and i can take out equity loans to invest to make more money, this is a BIG part of why you want to own your own home.

Sure, on paper you might make more money, until the government taxes your gains and fucks you over, so now you got minimal gains, AND no home.

>>62331714
to be fair, my brother who works in my local state treasury said something rather similar, instead of using my property equity to buy an investment property, he reckons putting it in an index fund will make me more money long-term.

You're a total slave to the central banking kikes and your federal government, if you do that though, their fuckwit fiscal policies, and general kikery, can leave you destitute.

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>>62332009
>everyone is an american who lives in a chip-wood home with PVC plumbing that falls apart in 20 years even with good maintenance
>t. seething muttmerican living in a concrete jew-box in the sky in NYC

>>62331557
this is only true if your demonic government isnt importing millions of thirdies a year

anyone who didnt buy a house in a major Canadian city in the 90s completely fucked themselves

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>>62332009
> 500
If those were desirable apartments to live in they would cost more

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>>62334400
>>62334400
I got nosy and just wanted to share pic rel
Also a lot of >500 apartments are for 55/65/seniors
Cheap bastards

>rentoid
>Lives with roommates or roommates above/below/beside them
Not a problem for home owners
Also if you live in desirable cities your rent is going up sometimes excessively and my costs are not

any homeowner who has a >15 min one way commute just to receive a benefit of wasting even more time on having to mow the lawn every week is retarded
this only makes sense if you have 2+ kids, otherwise just rent next to your workplace

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>>62331557
>right wingers make fun of leftist rentoids but it's far smarter to rent and invest!
>>but leftist rentoids also hate the idea of investing and delayed gratification?
>I, uh...
Amazing cope.

I have only disdain for renters and mortgage paypigs. If you don't own your home you're pathetic.