Redditors will unironically applaud and defend this

>>507774273 (OP)
>That hand
Stop squatting there jamaltyroneduwap or else

>>507774273 (OP)
that same house was 75k in the 90s

>>507774273 (OP)
Grim

>>507774694
Why didn't you buy it then?

>>507774694
The house that I bought last year for 320k was 170k in 2018. Shit is a big joke

Aren’t interest rates like 6% to 7% right now? How did this Heart of Darkness African get a 5% rate?

>>507774273 (OP)
At least he has a house

>>507774967
The fuck? Spotted the rentoid. He put 5% down as the down payment. His rate is likely 6.2%

Leave it to a nigger to put less than 10% down though, he's going to be paying 1.1m in interest alone over the next 30 years.

>>507775150
Oh. I guess I’m blind. I put 3% down on mine actually. I don’t see any reason to put more down unless you need to lower your payment.

Seems comfy. Unfortunately, his presence will drive down property values for the entire neighborhood, unless it's near a ghetto already.

>>507774273 (OP)
Prius is fucking expensive.

$31M for THAT?

>>507774273 (OP)
wow, five hundred thousand federal reserve currency numbers on a computer for some square feet of brick, concrete and rocks. lmao

Not memeing, I think Redditors soi face every time they see a black person doing "normal people things"

>>507774273 (OP)
>>507774694
>>507775150
>>507774967
>>507774904
Hi, proud neet here! Allow me to introduce myself. I'm the Reformed Stoic, I'm redpilled to the max. I fucking hate niggers, jews, spics and jeets. I don't work for a few simple reasons. Story of my life: balding at 16, shredded the drums, went to Berklee college of music, parents stopped paying and put me in a mental hospital for months, in there I was sexually assaulted. Now I'm 34 years old and a NEET incel. My IQ was confirmed to be 135 which is genius tier. I'm on welfare and food stamps. My parents absolutely ruined my life and I haven't worked in over 10 years. Only sex I had was with prostitutes. I'm just waiting until my boomer parents croak and then I'll inherit a cool million. Fuck them for ruining my life, fuck them for the lies and gaslighting. I live in Sandpoint Idaho now, my grandmother passed away in the spring of 2023 and she left us a pretty cool home.

Rest in piss Valle Joy Novak!!!

I'm a sigma male btw

https://www.youtube.com/watch?v=A3AsUPYPd8A

>>507774273 (OP)
Let him be happy. We aren’t, but his ignorance doesn’t mean he shouldn’t be as well

>>507775420
they're fun to drive though. i was doing some work on my moms prius and had to take it out for a drive to the ECU to drive cycle, it was fucking fun. like a go cart.

It’s a joke you dumb niggers

>>507775150
poor white person here.
is it better to continue renting while saving for a higher down payment or putting down less and getting the house earlier?

>>507774931
>The house that I bought last year for 320k was 170k in 2018.
My friends bought in 2018 for 350k. A house on their block just went for 700k.

>>507774273 (OP)
I thought he paid $31MM for it and put down 500k lmao.

>>507774273 (OP)

>>507774967
My parents bought their house at 2.9% fixed interest.
Best rate I can find in the UK now is 6.1% (and you need to put 20% down).
System is fucking rigged. And meanwhile boat migrants get free social housing for life.

>>507774273 (OP)
500k for that is nuts kek

Better than a favela.

>>507774273 (OP)
Boomers are fundamentally evil.

>>507775726

>>507774273 (OP)
Never thought a nigga would fall the scam.

House prices SHOULD come down. They've been inflated by mass immigration increasing the demand for housing.

>>507774273 (OP)

That's nothing! Half a million for a house is just a warm-up. Here's an empty plot in Espoo, Finland.

>>507775663
depends on if you think the stock market makes a better investment than housing.

you're either paying down debt with a cost of ~6.x%, or you're risking trying to generate 8-10% long term average in the s&p

>>507775663
Rent. Save your money and keep some in cash and savings accounts while putting some in more liquid investments. Prices and rates are so high that you can only win if you can deploy enough cash to make both manageable. Boomers were able to buy houses with lower monthly payments than rents, but nobody has been able to do that with a straight up mortgage for years. You have to buy it down with cash down payment. You can also try to maintain a small but steady debt burden that you pay off every month to build your credit but you have to be careful. Controversial take but I think 3 year car loans with high down payments are good for this. Basically you need to find a way to stack enough cash and income until you can secure a manageable payment.

>>507774273 (OP)
>500k
>no garage
lmao

>nigger hand
Will be a ruined shithole in under 5 years

>>507774273 (OP)
Why do people do this? kek it is so cringe. I don't want people knowing fuck-all about me but here this nigga is posting his house, address, age, what he paid, the car he drives, &c.

>>507776382
The stock market is definitely a better investment than real estate. Historically, real estate just barely beats stock market in aggregate returns but that’s including super high appreciation areas like the Bay Area. The real return rate is lower and will be even worse for new buyers because high prices and rates will eat into those returns so much. Returns in the stock market are never guaranteed but you know what is? Paying for your house twice with a high interest rate on a 30 year mortgage.

>>507775663
buy asap and rent it out

>>507774273 (OP)
Niggas is cowboys n shiet

>>507776296
wtf finnbro?
I thought Finland had a lot of space and a tiny population.
Therefore land and property should be cheap af.

>>507774273 (OP)
i bet it's just him holding a key in front of somebody's house just farming karma like the niggercattle redditors are

I spent so much fucking money trying to get out of rent hell and a shitty loan that I have nothing left and I'm back living with my dad

>>507774273 (OP)
Nice place to have sex with white women
BBC Gods win again

>>507774273 (OP)
that's terrifying

>>507774273 (OP)
Surrounding homes just lost value and it will continue to decline.

>>507775482
Yes. Ever since the abolition of slavery the price of niggers have been increasing exponentially.

>that jeet hand
GRIM

>>507775150
>he's going to be paying 1.1m in interest alone
dont forget mortgage insurance cuz nigga didnt put down 20% shieeeet and the bank wants their asset protected so home insurance and shit nigggggaa mo fucking bank gonna repossess my house

>>507774273 (OP)
Thank God I left America. I couldn't even afford to live like a nigger there anymore. But in Europe I paid cash for a 6 bedroom house full of my white European children.

>>507774273 (OP)
Schrondinger's nigger:
>buying the property instantly causes a loss in value because a nigger lives in the area
>does the value return when the nigger sells because the niggers are leaving?
>or can you never truly know if the nigger left the house because they're squatting in it

i guess the rest of you niggercattle in this thread is also believing this redditor

>>507777038
Anon one working white woman can’t afford that house. We all know niggers don’t work so it’ll never happen

>>507774273 (OP)
I hope the neighbors like fat beats and dope rhymes.

>>507775482
31 year old male, 499k + infinity interest forever

>>507776688
If he doesn’t have cash the chances that he’ll find a house he can buy and cash flow by renting out is virtually zero. Prices are too high now. The only people who are cash flowing rental properties are people who have big down payments to buy down the monthly rate.

>>507777547
the value doesn't return when the nigger sells and leaves because he turned it into such a shit heap it's worth half of what he bought it for and it takes time to fix that shit

>>507776296
What the fuck? Finland is huge and has a small popukation. And that plot is so small you couldn't do anything there. Maybe build a 2 car garage.

>>507775503
it's only plywood

>>507774273 (OP)
>nigger is a homeowner
>anon cant even have sex
how the tables have turned

>>507775663
Higher down payment.

My childhood friend just got a $260,000 home with only a 3.5% down payment, his total loan due to 6% interest over the next 30 years equates to $740,000. Even if his house doubles in value over the next 10 years, he cant even sell it because he'll only have paid $50,000 towards principle.

Save up for a 10% down payment, do NOT fall for the FHA scam. FHA is meant to get you into a quarter million dollar house for only $7,000 down, so that they can rape you for the next 30 years. Chances are in 30 years you won't be making the same salary you do now, you'll likely be on SSDI, and have to give the house back to the bank. That's exactly what they set FHA up for. It's just renting with extra steps.

There's nothing wrong with renting into your 40's as long as your planning to buy a home one day. Just leverage it against your expected life span. Gonna pay the house off before you're 60? before you're 80? before you're dead? These are important questions. The only time its acceptable to take on a 30 year loan at 6% interest with only 3.5% down, is if you have a $500,000+ life insurance policy on yourself so that you family can pay off the house when you die, which is still financially reasonable.

>>507774273 (OP)
>>507776527
> No grass either

>>507775150
>Nigger
>Pay
Lol

>>507776761
My guess is they are regulated to hell on where they are allowed to build or make it insanely difficult to get a building permit. The residential areas where it is permitted would then be much more valuable. It could also simply be a very desirable area.

>>507776296
AYO tHATS SOME NIGGAS BACK YARD LMAO

>>507778467
>very desirable area.
You can see in the pic it's very middle class.

>>507774273 (OP)
>31 years old
>$500k for a tiny 2 bedroom box
>it doesnt even come with a garage
>nigger
At the very least its a brick box and not a wooden one
>The house that I bought last year for 320k was 170k in 2018. Shit is a big joke
i just it the 3 year mark of being a homeowner. its went up in value almost 20% in those 3 years. Actually, im surprised i didnt pay more, since the previous owners remodeled the basement and the price trend stayed the same
>>507774967
>>507775150
>7% interest rate
i was 0% down (VA loan), 3% interest rate. if i had bought a few months sooner (owner of the house i wanted backed out) my interest rate would have been 2.25 or maybe 2.5%

>>507776761
Gotta be artificial scarcity. Most of Europe is like this.

>>507774273 (OP)
Holy fucking nigger hand batman

>>507774273 (OP)
>31M. 5% down. $499k.
Fucking stupid nigger. You can a Toyota for way cheaper on craigslist.

>>507776761
>>507778056

I've been wondering the same thing. So, what do you think? It's a 246 square meter plot in a good location, close to a school and daycare. And it's going for cheap.

>>507774273 (OP)
>500k for a 10k house
oof

>>507774273 (OP)
How did a nigger manage to save up a $25k down payment?

>>507774694
yeah, housing market is completely cucked.

>>507774273 (OP)
in 2020 i was going to buy the house i was renting for years, the landlord was even giving me the rent i paid the whole time as a discount. he changed his mind because he absolutely didn't have to sell it until last year. $140K back then. Last year he says it's go-time...value is over $300K. FFFFUUUuuUuUUU...

>>507778602
>>507778467

https://bo.fi/kohde/560165/

>>507774931
happened in germany too.
My parents moved in 2014 and bought a home for 350K, a few month ago one of my neighbours sold his house (very simmilar) for nearly a fucking million.

>>507780122

>>507779930
>save

Regardless of the content, reddit will click upvote if it shows a black and/or female, and the comments will be lavish in its praise.
>I just locked in this comparatively high interest FHA loan with a permanent mortgage insurance bill every month because I put 5% of $500,000 down on a 1 bed 1 bath house and couldn't afford an inspection
I sleep
>*Black skin in the picture"
Omg clap clap clap way to go literally living the dream!!!

>>507780122
>Last year he says it's go-time.
Tell him it's buyer's market right now so you're going to wait until the housing market crashes before considering buying a home.

>>507774273 (OP)
You don't know how far back that home goes. Could be a grower, not a shower.

>>507780122
My landlord was going to sell me the house I was renting from him because he was dying of cancer. Suddenly changed his mind and wanted more money, meantime I found a 4 bedroom 3 bath house cheaper than what he was offering for his shithole duplex. Now I’ve been living like a king and saw his obituary last month, hope you enjoyed that smelly duplex bro

>>507774273 (OP)
they voted for it

>>507782369

>>507774273 (OP)
Now that the nigger moved in neighborhood values tanked by 20%

>>507775363
It's so you don't have to pay PMI if your loan to value is over 80%

>>507777269
this is why buying is a scam. until white-only neighborhoods are legally allowed to exist again, ill rent.

>>507774931
My house when I bought in 2012 was 120k.. it's valued at 350k now. The property tax increase has been fucking insane and retarded

>>507774273 (OP)
>>507780980
Every single top post in that subreddit is either a black man or a woman who says "just bought my first house!" and goes on to say like "I work at a non-profit that educates senegalese tribes about LGBT acceptance, but my boyfriend makes $200,000/year building missiles lockheed martin. Very frustrating place to browse.

>>507774273 (OP)
5% down? Damn it must be nice to be a nigger sometime

>>507774273 (OP)
>498
>487
>456
>375
>320
>298

>>507774273 (OP)
>>507774694
>>507774469
why are they like this/

>>507774931
>I bought it at the peak!
Only one you should be mad at is yourself.

>>507784946
>>507784946
>The property tax increase has been fucking insane and retarded
it's actually just fraud
the big companies like blackstone are wash trading houses to keep property values high, so that property taxes go higher
those property taxes that you pay go into school bonds that the banks buy
every year they buy more and more so that they have a guaranteed income stream as a result of the house valuations only ever going higher, in aggregate.

this also serves a second purpose for the jews, by increasing the school budget they can expand their propaganda campaigns into new areas like the tranny stuff and funnel money to causes that they prefer

https://www.youtube.com/watch?v=IiDf5cxPvOM

>>507786023
>>507774273 (OP)

>>507777540
So what shithole are you in that you refuse to show flag?

>>507774694
>>507774967
>>507774931
>>507775503
Could be worse, couldve bought a flipper's house that will fall apart in a month after the mortgage is signed...

>>507776296
>Espoo
poo :DD

>>507774273 (OP)
>N
unfortunately for him he just lowered the entire streets home value so he's already underwater on that new house of his

>>507774273 (OP)
*CHIRP*

>>507774273 (OP)

>>507786471
Very true.

>>507774273 (OP)
Good for him

>>507786345

I refuse to buy a flipped house because I know how many corners are cut (sometimes literally). I enjoy watching the price drop to a point where the flippers are barely breaking even, then offer a massively underwhelming bid to give them the hope that their dumpster fire is going to be extinguished. Then I revoke the offer and relish in their lament

>>507775553
cool story bro

>>507786552

>FL state shape in the badge

See also: GA, MS, LA, AL

There are a LOT of coping rentoids in this thread

>>507774273 (OP)
2 tiny bed, 1 tiny bath (not actually a tub, just a $300 fiberglass shower insert)
Half a million federal reserve debt notes
Also it's twice that much, because the (((bank)) deserves to make double and you have to pay it over 30 years oh and if youre late we'll just take it from you after you paid on time for the previous 20 years
No refunds goy

Plus tip

>>507786027
I'm not mad. Interest rates and prices in my area have gone up since. 3 bedroom 300k homes aren't coming down in price. I would be mad if I spent $60k renting another 4 years and had nothing to show for it.

>>507787330

Mate... you have no business laughing at Americans given your situation with the Chinese

>>507778689

>tfw I locked in a 3.2% rate in 2016

>>507787583
>your situation with the Chinese
Nigger, you had 10 fucking million illegal immigrants of pure lucky dip mystery meat cross over the last 4 years. ?????????

>>507774273 (OP)

>>507785593

It's almost as if they're all full of shit

>>507787540
You are renting though, just now you're renting from the bank, and the state, on top of having to foot all the maintenance bills.
You played yourself.

>>507774904

I would have but I was heavily invested in Nintendo and Pokemon

>>507774273 (OP)
RETURN THAT HOUSE THAT YOU STOLE NIGGER! IT DOESN'T BELONG TO YOU THIEF!

>>507787839

Not in NE FL. We have our own dregs to deal with, unfortunately

>>507776761
location, location, location

>>507774273 (OP)
home prices should be linked to the amount of career opportunities close to the home to pay it off. if it were that house if you want to call it that, would never be valued at half a million

>>507788008
Wow sir you just said the real trvke

>>507788008
Renting only becomes comparable if you're investing all of your spare cash into investing and then it's literally neck and neck. In a country like mine where investments into ETFs, etc, do not count towards your retirement benefits/asset count, buying a house is an efficient way to build personal wealth. 99% of rentoids do not invest their spare cash and are therefore cuckolds

>>507774273 (OP)
For a second I thought the house cost 31 million...then I remembered that redditors are faggots.

>>507774273 (OP)
only 25k down? what kind of retard would do that? 20% down minimum

>>507786919
Kek, holy based!

>>507786609
See, if he is 100% it's worth it.
No property tax.
As long as property tax is a thing, there is no legitimate reason to buy a home, unless you are renting it out for extra income.

Bought for 4bed/3bath 3400sqft @ 165k at 4% back in 2018
Clear 180k/yr
Probably grab a second home as rates drop.

>>507777703
$499K FOR A 31 YEAR OLD BLACK SLAVE?!?!?

>>507774273 (OP)
>5% down
>$499k
>Interest rate ?
>Nigger
Countdown to foreclosure begins now

>>507774273 (OP)
A shame the property value of that and the surrounding houses went down by 75% the moment he purchased it.

>>507774904
I'm 32. I was shitting my pants in the 90's.

>>507774273 (OP)
2042 Jamaica St Aurora, CO

Looks like a shit hole

>>507786023
>stand in front of random house
>hold keys
>insant updoots
up there with sports car rentals

>>507774469
>not telling the nigger he made a bad deal is racism
>telling the nigger he made a bad deal is antisemitism
What is reddit gonna do now?

>>507774273 (OP)
Nice shack you got there

>>507774273 (OP)
Half a mil and didn't even get a garage? wtf

>>507774694
It was probably 75K five years ago.

>>507774273 (OP)
A real /v/ poster on reddit, incredible.

>Pays 31 million clams for house
>Drives Prius


ok

>>507774273 (OP)
stupid nig. owning property in the Jewnited States is a scam. that tiny slum shack is half a mil? and he’s lowered the property’s value by being a literal nig so its immediately worth 400k now topkek

>>507778284
High IQ advice. Thank you for sharing.

>>507780122
>he changed his mind
bro he lied to you from the beginning

>>507782369

>>507774273 (OP)
How the fuck can anyone afford that? Aren't rates like up to 7%? Kek. $499K for that. Jesus Christ.

You can buy a fucking castle in PA for 1.1 million, just outside a major metro, what the fuck is this shit? I mean, yeah it's Philly not the best city in the world, but so what? The area itself is nice.

>>507790044
>Essentially a stucco barn with 1 window and a wading pool
>$365k
>In a 3rd world shithole
Great buy faggot

>>507787915
aaaaaaaaaaa

>>507785634
No dude. The low down payment is the bait, just like with cars. Then you're on the hook for decades of insane interest payments. It's not a good deal, it's a trap.

>>507790044
That is the price a house like that should be in the US. Not there, should be just about 100k there.

>>507787342
yeah it's insane. Locking yourself into a spic-built, corner-cut, plywood 30+year interest fuckfest is not a flex.

>>507788008
Exactly. "True ownership" doesn't really exist. Plus permanent, ever-increasing property taxes? Bro it's such a scam. Everything is rigged to fuck you from all directions. The government doesn't want people to have places to live. It's so obvious.

>>507779930
Won a scratcher jackpot whilst evading child support payments.

>>507788688
>20% down minimum
Is there any other reason for this besides not having to pay PMI?

>>507789627
Niggers aren't really "garage people" my man. When's the last time you've seen a nigger in a garage, or doing anything remotely productive that you might need/want a garage for? The last nigger I saw working on his car was swapping the engine in his yard, with the chassis on cinderblocks (so dumb & dangerous). He had no garage, but he did have neglected pitbulls "living" in a ramshackle shit-shack in the back yard.

>>507790007
31 years old, male

>>507775663
Depends on
>your area. If you live in one of these weird shitholes where a shack is 800k+, you may as well invest instead and hope the meme crash actually happens. Note that a real estate crash will also crash the stock market
>your monthly income. Don't plan to pay an extra 120% of the loan for 30 years
>if you live in a place where you can get something decent for under the national average (400k) its worth considering IF you can make a 30+% down-payment, or make monthly overpayments comfortably. Moreso if you can rent a room to a friend.

>>507790044
Pool in the front yard? You want everyone who drives by checking out your wife & daughters' ass & tits?
>or is that a private road/compound?

>>507791435
it's just a rule of thumb. If you can save 20% for a down payment in a reasonable amount of time, without being super aggressive in your savings, you can afford the remaining mortgage month to month without worrying.

I'm saving pretty aggressively though for a home, more aggressively than I'd like to be saving for when I actually put my down payment in, so I'd want more like a 25% down payment, or even 30%.

>>507774694
50k*

>>507792222
Cool. I see. And the more you put down, obviously there's less remaining balance to make payemnts with interest on.

Is it even legal/possible to slam a briefcase of cash on the table and buy property outright? Or is everything stupid, gay, and jewish now?

Is Nick's advice legit?
https://www.youtube.com/live/gX6wIGdXMSw?si=CNFtbiQ6LivGicWZ

>>507790541
It’s a very nice house, but there could be very expensive maintenance issues because of the quality of the construction and the need for specialized people to do the work. The lot is also pretty small for a castle and Philly sucks. There’s also a matching house right across the street, which makes it seem less special

>>507792517
you can do that, assuming you have the money, which you never will. that is where the judaism comes in to fuck you over

Are any of the comments telling the nig that's fucking terrible? I feel like I've never seen a reditor say anything contentious to a black

>>507774273 (OP)
Why is his nigger skin peeling away

>>507784508
gated communities exist.
also nice poorfag cope

>>507782369
>Suddenly changed his mind and wanted more money
Do you know why? Was it at least a decent reason of
>i want my kids better off
or was it purely wanting to be buried with his wealth?

>>507775553
Intrepid Always Wins

>>507775363
Idiotic move. In Germany there was a time ,where banks wanted up to 30% upfront. In return you got a credit that was as low as 1.1%. It was the right system, until jews realized how much money they could make by handing out loans to people that cant really afford them. Especially with real estate, since real estate is literally the easiest thing that can be confiscated by the banks.

>>507792711
true, I'm just scouting out places although it doesn't seem out of line for the area. I suppose you never know till you get the thing inspected. But I have family in philly so, I'm curious.

>>507792517
Just a potential opportunity cost of not having the other 80% invested instead. If you bought a 500k outright that's that, but if you put down 20% and kept the 80% in the markets that'd be 2-3 million of dollars earned over the term of a 30 year mortgage (probably, if the country doesn't explode). That said, owning a house is owning a house - it's a pretty attractive prospect