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/h/personal House Vampire Founder
FrozenChosen they/them Yes I went blonde again 💅🏻  1yr ago (text post) 1,393 thread views #218565
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The elephants who live above me: ah yes today I will do indoor bowling :marseyclueless:

Why does it sound so loud :marseyraging:

97
New Old Top Bottom Controversial Random
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homeowners stay winning

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I'd buy a place but interest rates are super high rn :(((

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Yeah I wouldn't want to be looking at houses right now. Mine is 3.25% and even that's higher than what I could have gotten later.

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Hey 😏

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2.6 on 20 acres, 3100 sqft. 12 minutes to city center, of a city everyone knows.

:#scoot:

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:blush:

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https://media.giphy.com/media/YSAwJMuNgL0Q3NKEem/giphy.webp

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That city? Bakhmut

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It's a buyer's market :marseysuit:

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who are you and why are you stealing my emote i'm suing you in rdrama court for 10k DC :hmph:

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Get bent :scoot#:

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I mean I know Reno and Gary and Tulsa too. Not really a bragging right.

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Just because everyone knows of Topeka doesn't mean it's worth living there.

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If it only takes 12 minutes from your shack in the woods to the :quote:city:quote: center, it's not a city any one cares about or has heard of.

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Just pay cash for your house, neighbor.

:marseycool:

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Not yet in that tax bracket but soon 😈

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I bet posting fat kitty would get you there sooner tbh

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:#marseypuke:

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>found 75 coins

I dropped those, please return them.

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my next house might be cash

:#platyrich:

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I'm unironically planning for a 50% down payment when I buy a house in the near/mid future.

It's certainly one way to sidestep high interest rates, just put a ton down and kill the rest of the mortgage in 5 years.

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They won't even give me a loan without a 50% down payment with my income :pepedance:

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Are you a Chinese child working in a sweatshop? An actual McDonaldscel can get a mortage with 25% down, the bank doesnt give a frick with LTV that good, they'll just foreclose if you even consider the possibility of missing part of a payment

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Worse, I'm a Europoor in academia, we get paid less than McDonaldscels.

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Why would you ever let this happen to yourself?

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More comments

Just put 65k down. Nbd.

:marse#yitsover:

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125 where I live.

:marseyitsover:

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But why? You can take the mortgage interest as an itemized deduction so you effectively get a discount (if you benefit from itemizing), and you can reasonably expect the return on other investments like stock to be above current mortgage rates.

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and you can reasonably expect the return on other investments like stock to be above current mortgage rates.

That was true at 4%, somewhat less true at 7%. Money put against the principal is effectively a guaranteed 7% return which is pretty good.

The real reason though is that I want to retire early and I want to do so with a fully paid off mortgage.

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its so fricking bleak out here. we're pushing 8% interest rates right now.

:marseysulk:

i am happy for you and the other ppl that snapped up property before the market went insane.

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The market crash will happen and mom's basementcels who have been saving instead of paying crazy rent will rise up.

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People keep saying this but I don't think it's ever happening. Burgers generally don't save enough for retirement and only have their home equity. People lost their minds when home values dropped in 2008 because they had no other savings or investments. Why wouldn't the government try to prevent this from happening the next time around?

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I'm convinced that time is a big flat circle. We just had the bizarro segregation arc where bipocs wanted to be segregated instead of ending it. Try to nootice :marseynoooticer: the similarities :marseynoyou: and plan accordingly for what should come next.

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There are a substantial amount of millennials who really believe that they're going to roll in and get a 3000 sq. ft. house for peanuts without a down payment

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Saving on empty mountain dews alright

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I would love for it to happen but I just don't think it will. I mean yeah there will be a drop but I doubt it'll be more than 20%.

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Freedom ain't free, pipsqueak

https://i.rdrama.net/images/16993135703468268.webp

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save. there will be forclosures eventually. Imagine how dramatic it is when you buy some broke peoples home

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Hasn't been a worse time to buy in decades. Definitely wait unless you can't.

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Skill issue

Secure lower interest rates by simply buying in a low rate environment

:#marseyderpthumbsup:

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Go buy a piece of land with electricity far edge of your county and put a trailer on it dude

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Thats poorcel cope. The second they drop, home prices go up.

Trans lives matter.

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When interest rates fall, housing prices will rise to make up the difference.

Assuming rates will go down, the best thing to do is buy now when prices are cheap and debt is expensive, and sell or refinance later when prices are expensive and debt is cheap. Hold out a few years, and be left with both a low rate and a low price.

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I blast techno on floor standing speakers with dual subs. Can't even hear it 5 feet away from my house. If anyone stomps on my roof or makes even the slightest sound that bothers me, I can legally shoot them.

https://media.giphy.com/media/sLEnpAITyh3lC/giphy.webp

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I'm gonna blast music because I can :marseyvibing:

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I've lived in top floor apts since I was a teenager so never really thot about the fact that deciding I need a change and that all the furniture has to move could be annoying :marseypaperbag: oops

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:marseyretardcha#dtalking:

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Based, frick the other rentoids.

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Yes my lib kween!

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You're more likely to die if there's a fire so it actually evens out

:marseyagree:

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Sorry, I bought rollerblade wheels for my desk chair so I could roll more freely. I really like em

https://www.amazon.com/Universal-Including-Hardwood-Rollerblade-Replacement/dp/B07FP56VND

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:#marseyskater:

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Imagine putting these on the desk too and then just rolling around your room all day while you work

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You could get a roomba swarm to pull you around

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:marseypojom:

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Citycel btfo

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Lmao at having neighbors ABOVE you after 25

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This but unironically, dramatards posting their Ls

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Imagine having upstairs neighbours...

I am the elephant!

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:#marseysneed:

Based elephantbro

:#marseychonker2: :!#ethot:

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>living packed in a building with strangers

Do the poors really?

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I don't mind sharing a building with loud neighbors. I'm just glad they're having fun! 😊

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As long as the total happiness in the building increases. :marseybikecuck:

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:#marseybinladentalking:

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People that lived in my old apartment were the same. 4am? Perfect time to start yelling at each other from separate rooms and jump around.

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I would :marseywould: like to imagine they are acting out @houellebecq signature

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you can come live with me out in the country

i just ask for half of all your dramacoins as rent

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Another day in the hustle and bustle :marseywholesome:

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When i lived in an apartment my upstair neighbors loved to move furniture around at 3 am

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Food for thought:

https://rdrama.net/h/mnn/post/216680/shocking-moment-neighbor-executes-nyc-dad

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>has scissors to the guys neck, literally twice his size

>backs down and gets executed

Lesson: always, always kill anyone you argue with before they can kill you

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do you need a straw

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lol if you live in an apartment

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I think my neighbors are working out together or something, lots of grunting through the walls. Especially at the end. I guess those last few sets are hard.

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that's a big one

:marseyl#:

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I used to play wall hockey :marseycanada: when I was in elementary school :marseyeric: and it drove my downstairs neighbors nuts

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Imagine not owning your own home, lol

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For months, every Friday and Saturday I was woken up 15 to 20 minutes after the bars close by the sound of music loud enough to wake the dead, drunk-screamed lyrics, and stampede noises. One time I was a bit sauced myself when this happened and I spent 15 minutes straight standing on a chair pounding on my ceiling as hard as I physically could. They still haven't confronted me about it but they no longer wake me up either.

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Frick you, I'm increasing your rent because of your bitching :marseycapitalistmanlet:

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HVFs live on the top floor :marseynails:

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You should blow poisonous gas under their door like that one dude who got caught.

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I have someone above me who sometimes stomps around at 3 am randomly.

They're probably just going to take a piss or something, but it sounds like its an 800 lb elephant doing it.

I've now started keeping a broom next to my bed so I can beat it on the ceiling next time it happens like I'm a 90 year old woman telling someone to keep it down.

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Why stop at a broom?

A couple rounds through the floor will get them to use their indoor voices.

:#marseyarabcelebration:

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:#marseygrouns:

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