Is it better to buy a house as soon as soon as you can, and have the payments inflate away. Or wait as long as possible and have more time with that money invested? That collapse is not coming

>>509029380 (OP)
They're giving out loans like 08 soon. It's gonna all come down in a few years. Stack cash in a HYSA and do CD laddering. Your welcome

>>509029380 (OP)
Depends if you think house prices are going to go up and by how much

If you're in a position to buy (deposit saved etc) then probably best to buy.

>>509029380 (OP)
wait for housing market to crash for cheap and ez propertiez. Every house being a billion gorillion dollars is fundamentally unsustainable and is therefore a bubble that will go kaboom like 2008

>>509029482
>wait for housing market to crash
2 more weeks?

>>509029380 (OP)
If that house were $800k here it would be because it came with 40 acres.
Live where you can afford.

>>509029478
>Depends if you think house prices are going to go up
They are a long with the dollar going down

>>509029380 (OP)
Who the fuck gets a balloon-loan? That was crazy, thirty years ago.

>>509029577
If only you knew

>>509029380 (OP)
I bought my house 8 years ago and people were telling me I should wait because prices were at an all time high, the market would collapse, and I would be upside down. Now my $180k house would cost $320k.

>>509029776
>People were telling me I should wait because prices were at an all time high, the market would collapse
Retards always love to say this. Just like the stock market should have collapsed multiple times over the past 4 years but hasn't.

>>509029380 (OP)
Step one: cover yourself in shoeshine

>>509029832
>but hasn't.
We're all on borrowed time waiting around for WW3 to usher in a new global economy, because this number is too big to ever pay now

>>509029776
>>509029832
Oh I don't know... MAYBE THEY WOULD COLLAPSE IF THEY WEREN'T 100% JEW CONTROLLED MARKETS??? Stupid retards.

>>509030194
>debt needs to be repayed! something needs to happen!
What if I told you that number can just keep going up

>>509029380 (OP)
>have more time with that money invested
How much money do you have invested now and why are you shopping for homes in Pennsylvania?

>>509029380 (OP)
check out r/firsttimehomebuyer

>>509030290
No actually it can't because right now the cost of living is already unbearable for massive amounts of the population, or maybe you're right and we're all going to live in Fallout where a cheeseburger is $100 due to infinite inflation

I'm selling my house if you want.
Renovated antique house.
International community in Saxon village
Clean and quiet
1500 SQM land
Village is surrounded by acres of forest
Traditional

189k€

>>509030367
>How much money do you have invested now
Just 300k

>>509030676
counteroffer:
$189k CAD

>>509030454
>No actually it can't because right now the cost of living is already unbearable for massive amounts of the population, or maybe you're right and we're all going to live in Fallout where a cheeseburger is $100 due to infinite inflation
I hate to tell you this bud... We're on that fallout timeline. Over thinking, over rationalizing is leading you in the wrong direction. Most real estate is owned by a small few. It's artificial scarcity. My point is they will never allow 2008 to happen again. That situation was just too advantageous for the little guy. They want you poor.

>>509030676
Overpriced sadly

>>509029380 (OP)
I don’t understand why every house has to be an investment. Unless you are going to flip or “play the market” or already have a house, you aren’t looking at a speculative investment, you are looking at a working asset.

It’s like saying you need a new CNC or your business will fail, but sitting around waiting for CNC prices to crash. Buy a CNC, adjust your prices/profits, and stay in business. Just don’t buy more than you need

>>509031366
It's a lot of Americans only investment

>>509030680
The guy who owns the house next to me lives in Cape May, NJ full time and his property taxes there are around $36,000 a year.
What do you do for work that you feel you can afford to live in some exclusive beach/resort town in the USA? Do you even have a passport or visa to come to the USA?
>>509031366
>I don’t understand why every house has to be an investment.
The only people who claim they are are unemployed and unemployable losers on 4chan or r-antiwork. Leave mommy's house, get a fucking job, make some adult friends with adult lives and you'll see that the vast majority of people view homes is a place to live.
As far as "investments" you can do a whole lot better than real estate if you're a retail investor.

>>509032691
>resort town
It's not a resort town at all, fairly quiet. >>509032691
>Do you even have a passport or visa to come to the USA
I'm American, I'm working in the UK until Tuesday on a business trip

>>509031366
>I don’t understand why every house has to be an investment.
People have become extremely greedy. Nobody buying a house in the 1950s was doing it to speculate, they were doing it to raise a family in. Now everything has to be about making a profit

>>509029482
This

>>509029526
>wait 2 more weeks
No, not 2 more weeks, but this shit can't last. It truly is a bubble, and like all bubbles it will pop when the powers that be can no longer stave off reality.

Couples with 2 good incomes are essentially broke after paying their bills each month, and all it takes is one layoff or injury and suddenly they can't pay their mortgage.

Now but you have to get a good rate and have a big cash down payment. If you can’t do that, don’t even bother.

>>509032813

>>509032793
>I'm American, I'm working in the UK until Tuesday on a business trip
Post a pic of what's outside the window of your hotel with timestamp.
I see, so what do you do for work? Why are you shopping for homes in towns that are 110 miles apart, 15-20% above state average cost of living, and cherry picking the most expensive ones?
I get the feeling you're not being honest with us about something.

>>509032691
>leave mommy's house
no
>get a fucking job
no, watch your profanity
>make some adult friends with adult lives
the rat race is for rats
>majority of people view homes as a place to live
not today buddy

>>509029458
>CD laddering
>read about it
>a bunch of mumbo jumbo
I'm sure it's good, but sounds complicated. I've never heard of this shit

>>509033082
As long as the US economy remains strong, people can pay their mortgages. 2008 was different because lending rules were more lax, people had less equity on average and then the economy took a major hit to set it all off

>>509033212
Ask him to post his US passport with timestamp

>>509029458
Cd laddering? What the fuck are you from 1960?

>>509033105
Why would you go from shopping for 1.5M beach cottages in Cape May to Philly ghetto property?

>>509029482
>housing market with crash with bajilion indians and hedge funds buying out everything.
yeah, maybe. But not in the nearest decade

>>509029769
for 1.5 million you could live like a gypsy king and never work another day in your life, in Romania

>>509033352
>>509033212
I don't care what you guys think kek. It makes no difference to me

>>509033352
I'm pretty sure OP isn't telling the truth or posting any of this in good faith.

>>509033483
Your larp has been rumbled lad

>>509029458
thankyou. will remember anon

>>509033399
maybe he wants some cheeky passive rental income on the side

>>509033483
>I don't care what you guys think
So why did you post this thread, Sukhdeep?

>>509029458
>They're giving out loans like 08 soon
I don't think they are.

Do you ever wonder what it's all for?

>>509033660
>passive rental income
Yeah, dealing with section ape rentals is practically an infinite free money glitch. Totally no hassle, it's basically a license to print money!

>>509033105

fuck that shit, im waiting for either the bubble to pop and i can get a decent 3 bed 3 bath with atleast an acre for like 50k, either that or i wait for mad max fallout 3 to happen and just take what i want, youre fucking funny if you think ill wage slave for 50 years to buy a normie house for 800k made out of cardboard by a bunch of junkie illegals

>>509033862
The bubble will never pop
they will just print more money

>>509033988
>>509033830
Kek

>>509033800
Why would they do that?
The home is not even that small

>>509029380 (OP)
Kek that was a 40k house 20 years ago

>>509033988
then I wont ever own a house, simple as, ill just live with my mom and fuck my gf in my room and play rust on steam all day and eat weed gummies

>>509033800
>REEEEEE this house built in 1900 doesn't have space for a refrigerator in the kitchen!
The rest of that house looks roomy enough. Nothing stopping you from remodeling if that's a location you wish to live and you need a bigger kitchen because you enjoy cooking.
Or there's 200 other houses in Haverhill for sale right now that you could consider.
What do you do for work? How much savings do you have? What are your priorities in a home that you're shopping for?

>>509034133
Dollars were worth more though. It'll be worth 3 million in 20 years

I despise urbanoids

>>509029380 (OP)
Why would I want to own property in a failed state? First of all, forget taking loans. None of us are rich enough to be so frivolous with our money (time) that we can afford to pay 700k for a 300k house so we can "have it all right now"
That's only one part of the dynamic. War is coming. We're in demographic collapse. There will be no stable future. So you want to lock yourself into a region that may not be safe or stable or comfortable? Vanity of vanities.

>>509034165
your loss

>>509033082
>Couples with 2 good incomes are essentially broke after paying their bills each month, and all it takes is one layoff or injury and suddenly they can't pay their mortgage.
Good. I can't afford a house, so I hope they get fucked.

>>509034032
You haven't mentioned what you do for work yet? Considering these homes you're posting are 100+ miles away from each other your location can't be limited based on proximity to your job, and your price range of 30,000-1.5M seems a bit odd. How are you sorting your search results on real estate sites?
>>509034165
>play rust on steam all day and eat weed gummies
I expect in the 1970s people who did that all owned big houses and multiple new vehicles. What do you suppose changed?

>>509034514
>First of all, forget taking loans.
Anyone that didnt get a loan when rates were less than 3% was a moron

>>509034514
>War is coming. We're in demographic collapse.
Who told you that and why did you believe them? How many more weeks do you suppose we have to prepare and what are you doing to prepare for all of that?
>>509034559
>I can't afford a house,
What do you do for work?

>>509034627
Lol

>>509034514
>First of all, forget taking loans
Why? A lot of people have mortgages 3.5% and under

>>509034838
I finished my engineering degree just as I was learning about clown-world and how much BEING an engineer PROFESSIONALLY sucks balls for lots of reasons.
>boring
>low social status
>high stress
>low pay
>makes vaginas dry
I pivoted and make good money with my mobile mechanic business, but I'm still paying back credit card start-up debt.

>moron
>loser
>a lot of people have done it
If you can't see what these remarks have in common then you go right ahead and do your thing.

>>509034671
Looks nice

>>509033212
a 100 mile drive is nothing. lots of people in philly suburbs spend weekends at their second homes at the new jersey shore. prices in both locales are way above state averages

>>509031366
Because you’ll sink all of your income into it for the next 30 years so if it’s not an investment, you just worked 30 years and have nothing to show for it

>>509029380 (OP)
>the collapse is not coming

lol, lmfao even. sure it is

>>509035191
>how much BEING an engineer PROFESSIONALLY sucks balls for lots of reasons.
You must really suck at it then. One of my friends just turned 30 and he's making 120 a year, gets to fly around all over the country to consult with first responders, DOD, and vendors, and every time I talk to him he's out banging some new pig he met on online dating.
>make good money with my mobile mechanic business,
And you can't afford a home? The guy who came to service my skid steer a couple weeks ago was billing 185 an hour from the time he left the shop to the time he returned and the company that services my forklift charges even more than that.
How are you fucking things up so badly?

>>509035396
Driving an hour and a half from Philly to Ocean City or sea Isle on the weekend blows people's minds anon. Blue collar workers had shore houses. It's really hard for people to wrap their heads around

Philly suburbs are nice but some of the most overpriced homes in America.

>>509035396
>lots of people in philly suburbs spend weekends at their second homes at the new jersey shore.
None of whom are e-crying about being broke losers who live with mommy and waste their lives jacking off to tranny porn on 4chan all day.

>>509035504
Why would there be a collapse? There's more dollars in circulation and people wanting house's than ever.

>>509035594
right. my mailman has a nice place in Wildwood. with an in-ground pool

>>509035594
>Driving an hour and a half from Philly to Ocean City or sea Isle on the weekend
I see, so we're meant to believe that OP is shopping for a primary home in or near Philly and also a vacation beach-home in New Jersey? Why do you suppose he hasn't told us what he does for work or posted any proof of any of his claims yet?

>>509033212
>Why are you shopping for homes in towns that are 110 miles apart
Kek

>>509035743
What do you do for work? Why do you now want to live in West Chester and what in particular stands out with that home as opposed to the hundred other homes for sale there?

>>509036433
>not an answer.
Why those particular places and nothing in the 100 miles in between?
What do you do for work?

>>509035602
Mainline maybe, still way more affordable than many large cities

>>509036830
What do you do for work?

https://youtu.be/5-B7h5yjW5A

Buy land and make a luxury shed. Get shedpilled

>>509036975
How do they compare to Amzon's?

https://youtube.com/shorts/fu5jtwMMDLs

Or drink beers with frens and make an earthbag community camp together. In vidrel they utilize their children as slave labor. Based like old times

>>509029769
But you're living in Southwark. It's not the poshest neighborhood, but it's still quite nice and you're right around the corner from damned near everything.

>>509029526
Go look at the state of the Toronto condo market.
https://www.westernstandard.news/canadian/toronto-condo-market-prices-crashing-amid-oversupply/65741
Many investors and real estate companies are in the denial phase because once prices fall further they are fucked royally.

>>509033105
Does the neighbor drink raw eggs and get up for 5 a.m. workouts?

>>509037224
One minute you're shopping for 1.5M beach homes in Cape May, next you're looking at 30K ghetto condemned row house, now you're shopping for a DIY shed kit on Amazon?
Perhaps you should tell us what you do for work and what you're actually trying to accomplish and perhaps we can help you narrow down your search to find more useful and consistent results.

>>509030680
Now go look in South Carolina.
Picrel was from two seconds on Google

>>509037506
Donate to a charity kiddo and I'll post my passport

>>509029380 (OP)
historically house prices followed inflation pretty well. even after 2008, they went back to that trendline. if this plays out the same now, we are looking at a pretty big bubble.

it's probably better to rent for a few more years to see how it plays out.

>>509037640
>Donate to a charity
I gave $100 to my local volunteer fire department last month. Now tell us what you do for work and why your search results for home listings are so all over the place.

>>509036975
A guy I know has a family with lots of land and they let him set up a deluxe Home Depot shed there to live in. He installed a little kitchen and full bath in there himself. Put in a minisplit AC and baseboard heaters and he's got a little 1 BR house to live in.

>>509029380 (OP)
Around six years ago, right before the pandemic, I was flush with money, sitting on a 800 credit score and tired of renting. I looked around and couldn't find a house I liked. I was in no hurry, so let everything expire. After all, I could afford to wait for interest to drop a little more.

A few years ago, my landlord hiked up my rent (as they were all doing post-covid) and interest rates were MUCH higher. I realized the tens of thousands that I flushed down the toilet in rent, and although my finances were worse and my credit had dropped to like 750, I went and bought a worse house than I would've gotten back in 2020 for a higher interest rate than I would've paid.

Waiting and seeing isn't always the best option. Sometimes just pulling the trigger now because you can afford to do it is better than waiting and banking on things improving.

>>509037912
2021 was when the rates were lowest. That's when we refi'd at under 2.75%.

Why do these threads' OP have a pic from Conshohocken? My company's office is there and the area sucks lol. It's a shitty town with no appeal

>>509037568
>Myrtle Beach, White (69%)
>West Cape May, NJ White (87.2%)
You're paying to be around fellow white people and having been to Myrtle Beach is falls below 50% with people visiting

>>509037568
>he doesn't know

Myrtle Beach is a shit hole zoomer/homo party town that is routinely rekt by hurricanes/flooding

>>509029380 (OP)
Why would i want half a bath

>>509037802
See >>509037640
Timestamp it for today

>>509029380 (OP)
It's better to get in asap. We're gonna need more boomers to replace all the dying ones

>>509038159
For when you're only half dirty

>>509038159
we're retarded. please destroy us irebrother

>>509038027
Sounds about right. Pic related was me. The left circle was when I first looked and things were around 3%ish. The second circle is when I was fucked and bought at around 7.5% a few years later.

It's not lost on me that rates immediately dropped after I bought.

>>509038103
Myrtle Beach is a shithole town and a shitty beach.

>>509038207
So when i shit my pants, fair

>>509038159
It's a "powder room" where there is only a toilet and sink. It'll usually be downstairs so there can be a small room to piss in instead of a larger full bathroom taking up space.

>>509038298
That's how I am with stonks.

>>509029526
More like 2-3 years.

>>509038298
Kek

>>509038413
nice houses will have multiples of these throughout the home

>>509038306
Of course

Even in Detroit you have to be wealthy to afford a small house.

>>509039184
lmao get a load of that multi-million dollar trash heap what the fuck

>>509037506
the difference between the $30K ghetto house and the $1M+ rehabbed rowhouse on franklin st is location. one neighborhood has been gentrified. the other has not. not yet, anyway. funny thing is they are both ~equidistant to the infamous kensington ave drug market

some old rowhomes collasped in a different neighborhood this morning
https://6abc.com/post/early-morning-fire-explosion-philadelphias-nicetown-section-left-homes-destroyed-people-injured/16878808/

>>509039184
But things are cheap in the exurbs.

>>509033461
>never work another day in your life
That's because some gypsy cockroach would murder you within days of arriving.

>>509038971
Big houses you mean. The nicest setup that I can think of for a 3-4 BR house would be a powder room on the ground floor with each bedroom having an en suite, the master bath having the biggest one. If there's a basement, another full bath there.

>>509029380 (OP)
$800k for that tiny house? no land either.

>>509039184
Ugh, what a tiny porch.

>>509039431
It's a nice house in a good area

>>509032813
The fuck, is it haunted by nigger demons?
>>509033830
Are there enormous back taxes owed on these properties?

>>509029380 (OP)
Housing is not an investment. It is an expense. Don't count on housing prices to come down by much. At best the prices will stagnate for a year or two until inflation catches up to the COVID/Biden housing market prices.

>>509034489
The high-end housing market has basically collapsed in the UK. I've been looking at property on and off for years and £1m+ property never sells because every cunt with that kind of money is leaving the country.

>>509038077
It's just not really a space that feels very residential. I've got family all around the philadelphia area and the region just south of there feels a lot more cozy than conshohocken. From like bryn mawr to dexel hill.

>>509038077
>>509040055
>My company's office is there and the area sucks lol
People find the area desirable, hence the price of that house
>This home is popular

It is funny how the people who are most blackpilled on the economy are also the most bullish on the dollar

>>509040634
Prime location for an indoor swine farm

>>509029380 (OP)
Investment always beats housing, even if you factor in rent.
But frankly a mortgage just boils down to paying rent to the bank too, so it just depends on the deals you can get.

However that collapse is still coming whether it would be inconvenient for you or not, as untenable systems are still untenable, so be wary of being left holding the bag.

>>509029458
>believing housing prices will ever come down
Unless we go into WWIII and 90% of the population gets nuked, that’s never happening.

>>509040819
Anyone who has paid attention the past decades knows it's coming, as it's not demand but speculative bubbles driving the prices.

Immigrants don't add to the demand as they have no money, just make it seem less of a pure-bubble.

>>509040634
Based

>>509033742
>Covid Lockdowns were a NATO military operation.
You haven’t been paying attention. Covid was about slowing China down in 2019 and buying the western system several more years before the collapse. October 2019 Western banks had solvency issues. The US New York Fed loaned a German central bank $1.6 trillion for 48 hours. You have no idea what’s coming.

>>509040914
The dollar is worth less and there's more people than ever wanting house's

>>509037256
mate, southwark is a shithole, it's south of the river. The only "posh" parts of London are places like bloomsbury or select streets near portobello road. All these properties are grossly overinflated

>>509041199
None of them have money though, it's pure fake demand.

>>509040819
>>509040914
If world war 3 happens you couldn't buy a house with a billion dollars

>>509041398
No, they'd be de facto free to whoever claims them.

We've seen this all before you know?
It's just pseuds playing hot potato desperately pretending their decaying speculative "investments" aren't doomed.
Hell they literally frequently try to sabotage the economic scidnce that supports them by limiting the scope of "relevant" data.

Not all of us are limited to intra-era economy, many of us have seen global hegemons come and go. That's the strength of old money; foregoing the delusions of the day while weathering storms well.

>>509041373
People need to pay rent. No choice

>>509041373
>None of them have money though,
you make like $20 an hour working at mcdolands now

>>509041287
I said it wasn't posh, but it's decent and a convenient location. I thought it was a charming area.

>>509040620
I never would because I'd always be wishing i were in dixie but if was gonna spend the better part of million to live in the philly suburbs it would be the Huntington Valley. I always liked bryn athyn and their roots as a religious community made them pretty insular and picky about who they sold too which let them continue practicing what was pretty much red lining for a good long while after it was made illegal.

>>509041398
You absolutely DO NOT WANT to live in Bossier Parish Louisiana. Ok, maybe if you live in BFE with an iron gate around your property.

>>509041707
Wow imagine living in Kanas City in that building. It has an extremely high crime rate and filled with criminals.

>>509029769
>single family home
>center of London
>your own garden
>surrounded by whites only
So many houses like these here are exactly the same and they were build in the 30s for factory workers lol

>>509029380 (OP)
>BUY NOW OR LATER
>I JUST WANNA GET THIS SHELTER

>>509041688
>to whoever claims them.
And if someone claimed one they would not trade if for a billion dollars
What is your point?

>>509041793
Northeast? Yuck

>>509041690
>"T-t-they don't have a choice!"
Hahaha, classic misinvestment cope.
It's like those faggots that don't understand the price of living; If the upkeep of your slaves (food, housing, medicine, etc.) exceeds the value you can create with them it is not the slaves that have the big problem.

>>509041707
Pity housing ain't the only costs, eh?
Better fit those rents to the price of labor as it's a lot more optional than food or medicine.

>>509033988
They don’t realize there’s not gonna be a pop. The way the US monetary system works as they keep printing money, and the people lose value in their currency. That’s what’s happened over the past several decades. It was over accentuated during the Covid printing.

>>509041915
You'd be swimming in them, not having a shortage.
You're confusing the America of niw with the America of the early 1900s, you would not be sitting this one out harvesting the best immigrants.

>>509029380 (OP)
You don't have any connections? Why on earth would you pay the market price for a place to live? Rent or buy from people you know. Stop letting (((realtors))) control the housing supply and drive prices through the roof.

>>509042099
>rent or buy from people you know
A huge portion of the real estate in this country is owned by a handful of people. Most people here dont have properties for rent and the ones that do rent to family

>>509041823
posted because it has a slave cabin
>>509041837
posted it because masons

>>509029380 (OP)
In 2020 I thought the prices would go down in my area due to the covid nonsense but they didn’t. I got in ASAP and prices (including the value of my house) have only gone up since.

>>509041920
Sounds like you don't understand supply and demand. Very low IQ comments coming from you

>>509042216
10-4 anon

>>509041916
My image of the area is like 20 years old. Has it changed a lot? I've got family from there to downington. I know willowgroves gotten pretty run down and filled with big box sprawl but the valley, specificity bryn athyn itself, still seemed nice last i was up there.

>>509042756
It's gotten a lot sprawly and there's a lot of immigrants from random ass counties in the area. Might be fine in terms of finding a job but living there wouldn't be ideal

>>509042355
Rich coming from you lmao
But sure, retreat into the church of economists whi know it all better yet who mysteriously remain poor.

I'll happily lounge in houses actually owned rather than rented from the bank.
Hell last time this shit went wrong wasn't even two decades ago, a large part of the economic malaise that has been growing ever since is down to our great "investors" throwing everything including the cat and the sink at the problem that their glorified human-storage boxes just do not ever generate genuine new value.

Hell we have made this exact mistake before, we mockingly call it our "silver age", where obstructionistic rent leeches prevented genuine growth in desperate attempts to avoid seeing their "riches" deflate.

It's why we lost to England, back then you lot still knew what genuine investment entailed.

>>509035563
making 12m a year for steinbergshekelbaum only to get back 120k (pre-tax, lol, your friend makes like 80k after tax) in peanuts after you spent 22 years in the education pod is not epic bro

your friend makes, again, 75-80k a year and had to learn calculus for it. stop getting scammed.

>>509029482
this retard still believes in markets. the prices aren't going to crash because Blackrock had trillions printed for them to buy up the housing stock and infinity immigrants to blow up demand as the boomers die off. they said 2030 you will own nothing you will rent everything goy for a reason.

>>509043032
What business has 90% profit margins?

>>509042355
>>509042998
As a parting word:
The demand for housing is literally dying of old age while most of the imported faux-demand is literally destitute and rootless , and that's before we even consider all the rest of the issues that brings concerning i.e.health, incompatible faiths, cultures and "teachings".

So no, there is no genuine bottom under the price of houses, especially not as the anti migration sentiment strengthens.

I am a Muslim, it is against my religion to participate in usury as a lender or borrower and be a debt slave to zionist Jews.

In fact, Jews themselves borrow money without paying any interest at all while "goyim" must pay usury at most financial institutions.

I am only allowed to bank at Islamic institutions which do not take interest from anyone, including Christians.

>>509042998
>>509043276
Very dim witted stuff in there. You think housing prices will tank with the money printer going full steam since 2020. There more people than ever wanting houses. Prices don't crash just because you want them to sweety

How many pods could I fit in here?

>>509029482
>Every house being a billion gorillion dollars is fundamentally unsustainable
Not as long as you keep giving free houses to migrants or let crazy rich asians buy as much property as they want. It's completely sustainable. Just gatekeep whitey.

>>509038103
Can’t own rifles in New Jersey

>>509040819
Half the population that actually has the money to piss away on houses is going to die within the next 10 years, they're in their fucking 70s and 80s.

>>509033082
>No, not 2 more weeks, but this shit can't last.
Heard the same thing in 2021.

>>509029482
prices are only gonna continue to go up. the "justwait" crowd is fucking retarded, lots of people learned the hard way. the rates could absolutely go down, but what good is a 3-4% rate over a 6-7% rate when the home prices will be even higher by then? they climb like 20+% every fucking year anywhere remoptely close to a population center. even rural property is skyrocketing because of developers and rich transplants. the cheapest price is TODAY. I know countless people under 40 who just house hop every couple of years and always sell for more than they paid. real estate is treated like a lease/rental now and that's part of the problem. and "flippers" aka rich kids who use parents money to buy piece of shit houses, do cosmetic only renovations, and then sell for a huge profit fucking someone over with a home that has hidden repairs.
>>509029769
>>509041862
it is funny how people nowadays pay top price for homes that were originally built for lower-middle-class slave workers

>>509029380 (OP)
It's better to move out of the northeast since housing prices are ridiculous there. You can literally move to Delaware and get a bigger nicer house for half the price of that one. Plus pay the lowest property tax on the east coast

>>509043527
> the rat king

>>509042908
Thats a real shame. I've got good memories of riding my bike through the hilly streets of that area as a kid. We'd always make a pilgrimage way out to hatboro and visit the tanner brothers dairy and load up on chocolate milk and icecream.

>>509029380 (OP)
If your investments outpace the home why would you ever buy the home?

>>509043998
what investments let 95% leverage?

>>509040819
Rollin

>>509039664
>Are there enormous back taxes owed on these properties?
Depends on the areas. A lot of towns and cities are actively trying to rebuild and to have people move back in, so they'll sell older home and some that are abandon for next to nothing on the condition that the property needs to be fixed up within x amount of years. If you can get enough like-minded people doing it in a neighborhood, it's a good deal.

>>509029380 (OP)
1) fomo is a recipe to fuck yourself over. 2) if you are looking at buying a house as an investment, and you dont already own a fully paid for house, your perspective of things has been poisoned by kike bullshit. 3) if you must look at it as an investment then do not look at it as a financial investment but rather a more intangible one like planting the seed of a tree you dont expect to ever see the shade of. 4) and most importantly, dont compromise wait until you find something you can both afford and checks off every box on your list. Once you move in you will find all the things wrong with the house but if you start off compromising on a house you know isnt great itll be worse.

>>509029458
they arent it was hard for me to get a loan. I ended up not even buying a house because it was impossible to do without being house poor on a single income of 75K. I am not married or dating so it isnt like I can split the mortgage

>>509043286
Christian here. It's against ours too, but jewish propagand has made us so weak that it remains pervasive.

>>509038746
>>509029458

LMAO

There’s been articles and threads for the last 3 years saying it’s a bubble and has to collapse. Keep coping that some catastrophic event worse than 2008 will magically drop 50%. From 2006-2010 the median home prices dropped 20%. They aren’t giving out variable loans to people with no income anymore. Interest rates aren’t coming down, prices aren’t coming down. Cope and seethe.

>>509044444
Chequearoonied

>>509041915
70% nigger.

>>509037256
>"but its in san francisco"
meanwhile anywhere worth living that would get you a palatial estate on 120 acres.

>>509029577
where are you able to buy a 2100 sqft house in good condition for less?

>>509029380 (OP)
you can buy when boomers died
also when boomer politicians are dead, they’re the ones bringing millions of economic migrants *because* it keeps property values up

Zoomer here. Genuine question.
Am I expected to buy a shitbox and just renovate it over time until I can sell it and get a nicer home?

>>509044444
Pents

>>509029380 (OP)
People don’t realize that the job market could become very restricted soon. These types of economic contractions can make it not feasible to own houses for a very long time. The entire paradigm could shift in the United States from each individual generation owning their own home to generational households were over multiple generations. People pay off and live in their houses. This is what’s potentially happening with US treasury and bonds were moving from two and 10 year bonds to 100 year debt bonds. Read the fucking room and by now you may never have an opportunity to own a home if you don’t. The markets probably will correct slightly however, if massive job cuts occur because of AI or any type of oddity like this, it could change the entire paradigm.

>>509044713
>where
Phone Kys

>>509044611
you're expected to inherit the family house or enough money to add to your own saved up wages to buy a house

>>509044611
It’s supposed to be an investment overtime. Eventually, you get enough and equity to buy something you’d like and settle in long-term.

>>509044072
Interesting woodwork.

>>509029458
cope from a forever poorcel living at moms house

>>509044611
It's called The Property Ladder. Yes.

>>509043850
Prices are wild but if you buy here they'll keep going up

>>509044609
Only 20 more years.

>>50903024

>>it’s the Jews

Also literally what country?

>>509029769
Is that from Peaky Blinders?

>>509043162
this. as long as houses can be bought with printing press money the prices will never fall. its not the same thing as 2008. If blackrock ever gets in trouble they can just ask for a bailout.

I’m not telling you faggots the secret sauce to get this answer.

>>509029684
>balloon-loan
What are you talking about retard?

>>509045027
Ye, the Shelby family lives in the red door house.

British houses and architecture, city planning etc looks kinda bland, boring and stupid all over the country.

>>509045012
this sounds like bubble logic

>>509043812
NTA but it was true then. Most collapses take a long time to build up.

>>509034489
Fuck that looks comfy as hell. My type of home. If I only had that much money

>>509045012
Eventually they'll plateau. I moved from long island to Virginia last year. Made 600k on my small LI house which was worth about 300k in 2020 and bought a 4 bedroom, 2.5 bathroom for 350k. Plus I'm paying a quarter of the property taxes down here. You just have to leave the northeast. Every state up there is overpriced right now

>>509045481
HAHAHAHA

>>509032691
I live in my paid off home and own 2 others as investments. They were bought pre scamdemic as stock market diversification and have worked out well both from an appreciation perspective and through generating actual monthly cashflow. Never put all your eggs in one bagel basket anon.

>>509029776
Same
I bought in 2021 thinking I overpaid and its already close to doubled since then.. if you can even find a house like it the inventory is so low they sell in days

>>509046012
>own 2 others as investments.
Any loan against those? Or does the bank really own them and you're just a propert manager collectng their monthly mortgage payment from a rentoid?

>>509043834
Rates and prices are inversely correlated. If you wait for rates to come down you will just pay more for the house. But a house when you need a house and can afford it. Trying to time that market is beyond retarded.

>>509045412
Close to a city though

>>509044444
checking

>>509029380 (OP)
There's no reason not to just let your down payment grow if you're willing to wait. Rate cuts are coming so you could probably get a cheaper mortgage too.

>>509029458
if you do this go with treasuries now not CDs.
It's probably better to just keep it in the market anyway though because again - rate cuts.

>>509029482
There wont be a housing crash with unlimited immigration.

>>509029380 (OP)
Unless you're getting acreage with a secured perimeter I would wait. Prices will go down but it's going to be from civil upheaval not a bubble pop. If you can't get property that's inherently safe during a happening wait until you can.

>>509029458
>Loans like 08

Absolutely wrong. Loans are hard as fuck to get now. Since about 2011 the rules tightened up and because of that the delinquency rate is sub 5% still

>>509029380 (OP)
wouldn't pay almost a million for a house where you can see into the neighbors house

>>509046702
Yeah, but I always loved the design of these British old mansions. They look comfy as hell especially with a nice garden surrounded by a forest

I bought a town house for 335k
Its estimated at around 400k now.

Not bad for 5 years. Except when you factor in inflation. It made no money.

>>509029458
>Theyre giving out loans like 08
No they aren’t retard. Banker anon here. The big banks are mostly operating at a loss in the mortgage departments right now. Because YES there is a bubble and they know it’s coming. Every mortgage backed security issued in the last five years is going to get raped by refinances and fall victim to prepayment risk as soon as Powell drops the interest rates. Then the Gen Xers that have been stuck in their homes because they won’t give up their record low rates will suddenly open up the market as well. The boomers are already downsizing which is why there’s twice as much inventory on the market as last year (along with increased development) but the prices have gone up. It’s all 4+ bedroom shit they can’t maintain anymore and developers make more on a 4000 sqft McMansion than 2 2000 sqft starter homes but prices have stagnated or dropped in a lot of places and a lot of them are going to be left holding the bag.

That means regional bank stocks will fall, finance ETFs eat shit, closed end funds, etc. are all fucked and they’re really rolling on borrowed time. The boomers are retiring and downsizing, insurance costs are skyrocketing in Florida and Texas due to hurricanes and Californias are fucked due to wildfires, realistically the only safe part of the sun belt is Arizona so if you are looking to invest in real estate that’s your honey pot.

>>509041707
lol what's that, a freemason lodge?

>>509045400
>NTA but it was true then. Most collapses take a long time to build up.
They weren't saying "someday in the far future", but that there were signs it was already happening, like houses on the market for several months. Apparently they were anomalies.

Unless there's mass foreclosure or a vax die-off I don't see anything happening for years, and who knows why it would happen then. The system is, renting fucking sucks, apartments suck anyway, we have mass immigration (legal or illegal doesn't matter), the rich hoard property, and everyone wants a house. They're still going to want one next year.

>>509039949
Sooo isnt that good for you?

>>509029458
Isn't it better to take retard-low loans if you can get them fixed? Like, if you miss out on a 1-2% loan on a 400k home and now you're forced to take a 8-10% loan on a 200k home, you're objectively worse off, no?

>>509047400
Seems more like a balloon that will slowly deflate instead of a bubble that will pop and crash.

>>509046973
>Rate cuts are coming so you could probably get a cheaper mortgage too.
prices will go up and you can always refinance

>>509029380 (OP)
>The collapse is not coming
Yes it is but it won’t be as bad as last time. Developers have oversaturated the McMansion market and largely depended on Asian demographics in tech who will bring in their parents to live with them to fill these homes. The F1 visas aren’t coming in like they used to though. India is tired of paying for kids to go get their masters in America just to have them stay here. The ones that are graduating are eating shit in the job market because they don’t want to sponsor more. The developers don’t seem to have caught onto this though and are going to have a hard time selling new houses without anyone able to afford them.

Put your money into microchips and medicine. The population is aging. Healthcare costs will jump up globally. China has a 40 million male surplus they need to burn through before they age out of the workforce in 30 years which is why I’m leaning towards them actually invading Taiwan as their silicon shield erodes.

>>509047099
>Prices will go down but it's going to be from civil upheaval not a bubble pop.
Two more weeks?

>>509044444
TRVKE

>>509038413
>powder room

>>509040819
80% of the houses are owned by boomers.
Some boomers own 3-5 houses. Even 10.
Boomers are about to all mass die off.
All these houses could hit the market , driving the prices 50% down.

>but they won't, the banks and RE mafia won't let them.
>last time we had a crisis in 2008 , banks hid 1,5 - 3 million homes off the market
>in shadow inventory

>>509044444
>yeah just ignore all the new builds, the homes coming on the market from deaths and all the people who can't afford a house at these rates and prices with their income and debt levels
Wasted on a zillow addict hoomer

>>509048275
Why do you think their kids are going to sell the homes?
>>509047099
If the government collapses then why do you think the dollar will be worth anything?

>>509048637
>If the government collapses
Never. Fear not, this asset will ever be managed.

>>509048637
That house is a foreclosure. That is the opening bid for the auction.

>>509029380 (OP)

Prices wont ever crash because the kikes will drop interest rates as soon as prices start going down.

>>509040914
>immigrants dont add to the demand

nigger the landlords make more money renting to Mahmoud who then gets it paid by my taxes

they add to the demand simply by existing here

>>509047950
The problem with that theory is the fact that the market is literally going to be getting fucked on all sides. Covid buyers will immediately refinance. There go the bonds and financial industries everywhere take a hit. Mortgages get harder to get as more aggressive lenders eat shit and get gobbled up by larger banks Silicon Valley Bank for example recently went under from over leveraging loans to venture capital. Even if Powell slowly reduces rates over the next ten years a lot of panic buyers during Covid will eventually run out of cash and be forced to sell. We’ve just reached the real starting point of the boomer market flood which combined with increased development will increase inventory. Legislation cracking down on landlord rentals is increasing and most landlords are boomers who will again be looking to cash out and be done with the shit. More homes on market+fewer buyers=lower prices.
>But muh private equity jews are gunna-
They’re already in commercial. Primarily in defensives particularly. Dollar stores, Starbucks, liquor stores, etc. Zillow got butt fucked and they know the bubble is due and they want nothing to do with mortgages.

>>509029380 (OP)
Mortgage rates are currently 6-7% on average. If you have a plan to generate more yield than that every year for decades then invest, but that's a difficult thing to do. It's better to pay off your house and then take bigger risks with your money when you can afford to lose it.

>>509031366
investment capital and boomers turned it that way. The reality is like japan that it is a depreciating asset like a fucking car

>>509040914
>Immigrants don't add to the demand
Because they all live in tents or what?
One of the family homes I was looking at was bought by the local fishery so they could stuff their Estonian workers in there.

>>509029458
Another bloviating anon. You know the reason people made money last time there was a crash was because almost no one expected it. This time everyone is expecting it, so it’s already priced in. No one is expecting prices to keep rising, and that’s why it’s better to invest in housing

> t. Landlord

>>509029482
Nobody can afford to wait for the housing market. It takes years and decades for it to change in your favor. If you wait for the housing market to do what you want you will waste a good chunk of your adult life. Life is too short for that shit

>>509029380 (OP)
the real answer is:
- do you have your roof over your head sorted first of all?
If yes, are you renting or buying?
If you are buying, just pay the mortgage already
If you are renting, compare how much a mortgage would be for a similar setup as what you are renting.
decide if you are willing to stay in the same place for the duration of the mortgage
if mortgage is roughly the same as rent, and you're down to stay in the same place for the duration of the mortgage, then just buy
if not, keep renting.

Who gives money to live in the USA lol? The country should pay it's citizens to stay. The country is literally worse than London when it comes to demographics and economical stability, big metropolitan cities look like central Paris, men look like women, women look like men, politics are total clown fiesta,trannies do (((shows))) in kindergarden etc etc ( i can go on for weeks), wtf.

>>509048637
>Why do you think their kids won’t sell their homes?
They will. If the home isn’t paid off they have to refinance the property which is a pain in the ass and in a bad real estate market not smart. Lots of places are also designating rental properties and AirBnBs as commercial and taxing the shit out of them in response to the housing crisis. This is done locally and not anything the feds can prevent. Add in inheritance tax on estates over 13.9 million which includes all real estate holdings, 401ks, I believe life insurance policies, etc. and way more boomers qualify than you would expect. 70% of wealth is held by people over 60. As soon as they die and their kids inherit their cash it’s going to go from safer investments like bonds to more aggressive investment strategies as well which is a further knock on the bond market which hilariously depends on asset backed securities. Corporate and government debt is about to get buttfucked and this is a big factor in why Moody’s downgraded the U.S. credit rating. Yes the deficit and all that play a role but the bonds are the big secret they don’t want getting out because then investors will flee prematurely and make shit worse.

>>509041823
you really dont wanna live in like 95% of loserana. I got out of there like 15 years ago never looked back holy shit what a shithole. the only area around bossier/shreveport that's "livable" is barksdale, but even 15 years ago the amount of nigger behavior on base started ramping so I imagine its even worse now

housing market is crashing. Deportations and high prices and interest rates are hurting and dragging down Rents everywhere, which will delay home purchase

Wait till shit stabilizes, it maybe another 2-3 years but pricing will decline alot

>>509037506
he looks comfy as fuck

>>509049747
Yeah, I moved out in 2001 and never looked back. People think it's some charming southern locale. They ask me if I ever want to move back. Ha ha fuck no. It's only gotten worse since I got out. Thank god I moved out of Metairie before Katrina.

>>509049811
>housing market is crashing
It doesn't crash just because you want it to, kid

>>509049106
> The reality is like japan that it is a depreciating asset like a fucking car
Unless it's 30 miles from a walmart the land is much more expensive than basic houses. No reason for land to depreciate if demand for it is static or increasing.

>>509036830
Not even close dude. Look up the median home prices in Chester and Delaware counties.

>>509047400
>prepayment risk
>Oh no we got our money back early?
huh?
Explain to me why the jews don't like this.

>>509044444
Again this will not be 08 where shit dropped 30% overnight. We’re looking at most probably around a 5-15% drop at best. 20% if it really shits the bed which is still a big swing but not nearly as big. Anyone claiming different is in fact retarded. This one isn’t caused by abject fraud on all levels just rapidly changing demographics, mismanagement of the Fed for what is blatantly corrupt back room deals, and an impending surplus of larger than necessary homes brought on by short sighted development with no comprehension of their market.

>>509049387
>if not, keep renting.
So they can tell you how to live (No pets! for example), enter your home for any reason (Fabricate it), and not renew your lease so they can gentrify and double their revenue?

Even if your landlord is the coolest mf on the planet, oops they got cancer and sold the property, now it's Karen Bergstein. Fuck all 'at.

>>509049955
aint shit charming bout la, its nothing but niggers and whites/mexicans pretending they're niggers

the few places like outskirts of lake charles where its just country boys are few and far between

>>509047667
Makes little difference to me, I already paid off my house during the pandemic.
1 house is always worth 1 equivalent house when you actually own it.

>>509050412
wtf this can't be real

>>509050582
It's real. They turned Western women into whores.

Depends if your market is currently inflated. Canadian and Dutch housing prices are up 95% and 97% since 2015 that is obviously a bubble. Millenials in Canada and The Netherlands who can't buy a home are the lucky ones, they won't ruin their own lives having 300K knocked off soon. If housing prices are within reason or slightly above the curve, you buy sooner rather than later. Its not so much about the appreciation over the course of your life, but because rent is going to double triple and quadruple in your life whereas a mortgage will be a negligible monthly sum in the future, income go up mortgage is fixed.

>>509050286
A bond is just debt. You give them a hundred bucks. They give you interest on that hundred bucks over the course of the bonds life. They back it up with an asset in some cases. In this case mortgages. Companies selling bonds on shit mortgages is what caused the 2008 collapse because the mortgage buyers couldn’t afford what they were sold. If the owner refinances at a lower rate they pay less and the bond loses that asset.
>Buy home during COVID
>7% interest rate
>Bank lumps your mortgage together with a hundred others and sells more debt to investors using the debt you owe them as collateral
>Rates go down to 2 or 3%
>Home prices drop as the market over corrects for the shortage and boomers retire
>All the mortgages in that bond are refinanced or flat out sold so the home owner pays less
>Bonds suddenly become worthless because the underlying asset is gone or at best produces less interest
This is prepayment risk.

>>509029380 (OP)
white people have to pay 3-5 times for housing what black people pay just so they don't have to live near black people. it's not fair that blacks get to live so cheap simply by living among their own

>>509050969
Imagine how the gays in Wilton Manor feel. Fags keep their houses immaculate and jack up the price of real estate.

>>509029526
Even if it does crash, governments will just tax everyone else to bail out the property sector. You cannot win by playing this games. The only way to escape the madness is emigration.

>>509050448
Sooo youre not looking at property?

>>509050412
You can't forget to factor in extra costs of owning that aren't up front like maintenance and repairs with a house (with a general rule being to spend up to 5% of the house value every year on it). HVAC, plumbing, electrical, roofing, etc... are all things you'll have to take care of, and even if you fix it yourself, that's still time and money you'll need to deal with. That's not to mention other risks with owning a home, mainly you're more dependent on the local economy. For example: you buy a $400,000 house with 0% down, three months later a major company in the area moves or goes out of business, then the housing market in your area drops 15% since they were the ones driving up the prices. You still owe around $400,000 on a house that's now worth $355,000, which means if you're forced to sell and move, you'll be losing at least $45,000. With renting and you break a contract early, you'll typically be out a couple grand.

Buying is better overall, but you need to be sure you can cover the additional costs of owning. For people just starting out in life, fuck buying new cars, starbucks, clothes, vacations and focus on building a large down payment or cash reserve as quickly as possible so you can buy a house comfortably. Then once everything's settled you can start buying your toys.

>>509044611
Renovating overtime is more expensive (start-stop-start work) awful (cuz its never finished) and the end result isn't great, you'll end up with 4 different floors, 2 different kinds of paint, 3 kinds of skirting boards because in 2036 they wont have the ones u bought in 2033 and 2029.

What I did was buy a shithole, sleep on the floor for a year and DIY all day - every day - 7/7 for a year. 0 experience above average intelligence + youtube + buy DIY shit online. I did everything, floors, bathrooms, heating, 200 square meters of roof, skimming walls, smashing walls, plumbing, even my damn solar panels and electrical board. As a complete novice. Had it valued at 740K when I was done, bought it for 320 and spent 75 + One year of my time. Tradies are useless, they cost a fortune and are retarded, all of them.

Why do young people borrow 300K to pay tradies and pay it off in 10 years when they can do better than the tradies and have it all done in a year. Tradies will do a shit job because its not their home they dont care. You'll care.

You need to understand tradies are dumb, they need to study 4 years how an electrical panel works. You watch one youtube video and do it better.

>>509051109
They’re going to have to bail out the municipal governments that issue bonds backed by property taxes first. When housing prices take a shit their tax revenue goes with it and again their bond values drop. New York is going to be interesting. They have kept their real estate market relatively competitive compared to the other big markets in Cali, Texas, and Florida due to immigration and people who fled during COVID returning and no real fear of natural disasters but if this dipshit democratic nominee ends up winning and dropping another 2% tax on millionaires that can realistically trade from a home office and institutes even half of his soft on crime policies they could find themselves underwater very quickly due to white flight.

>>509033988
>Sandusky, OH
Watch out, your kids will get molested there

>>509044072
Probably crypto
And houses come with maintenance costs

>>509051226
I love looking at old houses in general so I have a nose around even though I'm not actively looking.
I'm just into architecture in general.

>>509041707
>Single-family residence
>0 beds

>>509048275
theres a lot of abandoned houses in usa that were once nice but had no takers somehow. yt is full of them

>>509050286
Pre payment penalties are fees you pay to get out of a loan when refinancing. They don’t like it because you usually aren’t refinancing to a higher rate. If you have to refinance to avoid foreclosure they will just wave the fee.

>>509052267
That's not what people mean when they say "Ive been looking at $1m+ properties"...

>>509050781
its just weird how the guy just walks past like nothing is happening. is it really that common?

>>509029380 (OP)
Its always better to have more money. If you can't get a fixed mortgage at a low interest, just don't buy the house. It isn't worth it.

>>509043268
>What business has 90% profit margins?
Pimps, mid-level drug dealers, multinational bankers. IOW the scum of the earth.

>>509053233
>its better to have a depreciating asset

>>509053195
>weird how the guy just walks past
We don't self govern because our once high-trust society has been destroyed. He should have kicked her in the twat and called her parents or husband.

>>509053195
>its just weird how the guy just walks past

I specifically do not pay attention to women that dress like this. No I will not look at you and thereby satisfy you.

*tips fedora*

>>509053656
based

>>509033988
>>509052229
I was at Publix the other day and I saw an old man wearing a Michigan ball cap and a t-shirt that said, "I'd rather shower at Penn State than root for the Buckeyes" kek
>Pic semi related

>>509039664
>Are there enormous back taxes owed on these properties?
I can only speak for Detroit where that used to be a huge issue. A white guy took over as mayor and established the Detroit Land Bank. It seizes properties that have been abandoned, clear off the liens, and then sell them at a low cost, with the requirement that they be put back into livable condition. Pic related was turned into >>509039184 through this process. It's a top success story. Most of the time the houses are far more humble, usually turned into rentals.

>>509029458
In the next 5–10 years, the United States will experience the largest generational transfer of wealth in its history, as the Baby Boomer generation finally ages out and enters retirement homes or passes away. Unfortunately, many Boomers have largely neglected their children’s futures, choosing instead to hold onto and spend their wealth rather than leave behind meaningful inheritances. As a result, much of this wealth will end up in the hands of banks and financial institutions.

However, banks can’t profit from empty houses, properties with no one paying mortgages or property taxes are a liability. This will flood the market with cheap housing, dramatically increasing supply and driving down prices. Compared to what’s coming, the 2008 housing crash will look like childs play. Our moment is on the horizon, boys.

>>509039416
Why are homes so expensive they cry. I need 5 bathrooms to poop and wash the nasty ass

>>509053118
>I've been looking at property on and off for years and £1m+ property never sells because every cunt with that kind of money is leaving the country.

Vs

>Ive been looking at $1m+ properties"...

Maybe because I'm not speaking in Urdu or Hindi it was difficult for you to understand nuance.

>SAAAAR, I AM LOOKING AT HOUSE PURELY FOR PLEASURE SAAAR.

Is that better?

>>509054227
How is it still so cheap after being refurbished?

>>509029458
Another clue about where we are in the housing market, is that peak of the boomer bell curve was year 1955, and they have on median three houses occupied at say 70%. These 1955 +- 15 year boomers have on median a lifespan of 79 years plus or minus 15. If we do some quickmaths we can do addition with 79 to 1955 and get "year 2034". For when the right-half of $number of 1955+-15 year boomers croak which then causes those houses to suddenly either be lived in by new people, re-rented, sat on as sacred investment artifacts, or other. I get the feeling that the power brokers are leaning into this theoretical wave with high prices.
https://www.youtube.com/watch?v=6u7f1ODt-eE

I'm looking for a 70% to a 95% reduction in house prices over the next 15 years, at least in regards to the median wage for the median person. Are prices going to pull back and then post higher highs or are they goign to come down on the Jewish robbers like the wizard of oz?

>>509039949

Do you blame them for sidestepping infinite niggers and pakis combined with the highest taxes in the world?

>>509044713
>retard frog poster
>thinks job cuts are happening because of AI as immigration is redoubled and orange kike does nothing
The internet is truly a pile of shit without governance of real people.
Subhumans like this multiply and spread retardation as the moderators provide cover fire for them

>>509047110
>Loans are hard as fuck to get now
obviously not because the bubble hasn't popped
there are so many affirmative action / racial welfare schemes going all these immigrant niggers can still get basically free houses as soon as they get off the boat

that's what caused 2008 and that's what is causing this bubble.
the government tells the banks they have to loan for mortgages in certain areas, they have to meet a quota. that means anyone who applies gets the loan. and the government guarantees the loan and has half a dozen ways to print money to pay for it if they need to.
and the shitskin who gets this house is covered, they realistically don't even have to pay for most of or any of the mortgage.

In my city I'm watching inventory climb and climb.

>>509055160
its a combination of both ai and the browns fucking up the economy. ai or tech automates away a lot of jobs and the browns dump the pay and take away jobs average people can do

>>509047400
>Banker
larper

there are so many government programs that force banks to make loans to shitty areas that are exclusively occupied by shitskins.
that money is always there because it comes from the government.
the government guarantees the loan for whatever insane "market price" and freddie/fanny buy the loan.
there is absolutely zero risk to the banks originating these loans, they get free money for finding some fucking shitskin and/or immigrant to go through the program - they don't even need a down payment and might not even need to pay anything on the mortgage outside of their section 8 benefit. Free houses for subhumans!

this is exactly why we have a bubble.
this is exactly why the national debt is so out of control.
this is exactly what caused 2008, but now they have programs in place to contain any defaults - the taxpayer just pays for it. put it on the tab. no one cares about the national debt anyway, the average white tax cattle retard doesn't care about fucking anything so they can get away with anything.
We need MORE NIGGERS NOW and we need them to REPRODUCE AS FAST AS THEY CAN!!!!

>>509055132
Absolutely not.
I will do the same as soon as I get the opportunity.

>>509048092
retard, immigration has no brakes and OJ kike is stepping on the gas while crying that we're going too fast

>>509048968
if refinances would stress the market they simply won't be allowed.
everyone trying to refinance would just keep rates high.
international liquidity is being sponged up to keep the bubble going, but it's almost gone.

>Even if Powell slowly reduces rates
rates will stay high anyway due to market forces
the fed does not have the power to print more money to lower rates, that would just cause more inflation that causes the market to raise rates again instantaneously

you are so fucking retarded

>>509049811
>Deportations
why is everyone so retarded
there is no evidence this is happening at any meaningful scale

you see some leftist faggots whining about something and you think it must be true
but leftists are just as retarded as you and don't know anything either
you are a braindead arrested-development contrarian
you are too retarded to find any facts for yourself, you always gauge things by what your manufactured tribal enemy is doing