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Renting vs. Buying your home

Discussion in 'Off-Topic Discussion' started by Leggo, Jul 8, 2012.

Page 2 of 3
  1. Jul 9, 2012 at 10:28 AM
    #21
    Evil Monkey

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    Evil Monkey There's an evil monkey in my truck

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    Many in SoCal can take up to a year to close. A friend of mine just got rid of his house through a short sale. It took 2 years.
     
    Evil Monkey, Jul 9, 2012
    #21
  2. Jul 9, 2012 at 10:40 AM
    #22
    Evil Monkey

    #22
    Evil Monkey There's an evil monkey in my truck

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    You can get a house for 300K around here but it will either be very small (condo) or very far out. My parents are looking in Lake Elsinore where good sized homes are selling for around $350K (2500 sq ft). The biggest problem with that area is distance. They're about 70 miles from San Diego and it's much hotter there (July is predicted to have 99degree temps all month). They're retired though so it isn't as much of an issue for them.

    My wife and I are buying a home in Escondido CA for $500K (2600sq ft and 1.5 acres of land).

    She bought her 1000 sq ft condo in Rancho Bernardo for $307K 9 years ago. We just sold it for $240K. She put a huge down payment on it when she bought it so we were not upside down and still managed to get some money out when we sold it.
     
    Evil Monkey, Jul 9, 2012
    #22
  3. Jul 9, 2012 at 11:08 AM
    #23
    Zombie Runner

    #23
    Zombie Runner Are these black helicopters for me?

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    Its crazy to me how expensive CA is!
    My father-in-law owns a 270k home, its a very nice 2 story in a very nice neighborhood and he just bought some land behind his house, 4 acres with a small rent house on it for 150k.
     
    Zombie Runner, Jul 9, 2012
    #23
  4. Jul 9, 2012 at 11:36 AM
    #24
    Leggo

    #24
    Leggo [OP] slow is smooth, and smooth is fast.

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    Holy shit, thats a lot! Not what has been the norm where I live at all. I totally see why you are thinking differently than
    My logic is, if you like to do things around the house as enjoyment, you like to not have anyone dictate policy on you, you usually have fair warning on expenses, you DO gain equity over time over renting in the right area's, and if you use your head before buying you can do quite nicely. The economy is in the PISSER because of Wall Street speculation and credit default swaps, along with flat out corporate greed. I don't lease my car for the very same reasons I don't rent my house.
     
    Leggo, Jul 9, 2012
    #24
  5. Jul 9, 2012 at 11:48 AM
    #25
    Leggo

    #25
    Leggo [OP] slow is smooth, and smooth is fast.

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    My 100 year old house is only 1600 square feet with a 1/4 acre lot= $510K
     
    Leggo, Jul 9, 2012
    #25
  6. Jul 9, 2012 at 12:03 PM
    #26
    Pugga

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    Pugga Pasti-Dip Free 1983 - 2015... It was a good run

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    Gotta love Newton... :cool:

    And that's the reason I'm an hour outside of Boston!
     
    Pugga, Jul 9, 2012
    #26
  7. Jul 9, 2012 at 12:05 PM
    #27
    hookedontronics

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    hookedontronics Well-Known Member

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    i've rented for the last 2 years, now i'm looking to buy. I like the no maintence aspect and no repair cost etc but the main reason i'm looking to buy now is because it's just cheaper, tax write-off, and i can have more space. i'm also now getting married so it just makes more sence now anyways.
     
    hookedontronics, Jul 9, 2012
    #27
  8. Jul 9, 2012 at 12:54 PM
    #28
    rondog

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    rondog Well-Known Member

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    the first part, not true, but the last part is. Short sale means the bank selling the house short of what is owed on it. They are not quick at all by any means. Short sales are 2 months minimum if you're lucky. I got lucky and it only took me 2.5 months for from offer to closing.

    My sister and bro-in-law took them 6 months for the same process. Just depends on the bank I guess. But yes you take the house as is..the current owner more likely than not wont fix anything.
     
    rondog, Jul 9, 2012
    #28
  9. Jul 9, 2012 at 1:00 PM
    #29
    macgyver

    #29
    macgyver Well-Known Member

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    macgyver, Jul 9, 2012
    #29
  10. Jul 9, 2012 at 1:12 PM
    #30
    OZ-T

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    OZ-T You are going backwards

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    OZ-T, Jul 9, 2012
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  11. Jul 9, 2012 at 1:23 PM
    #31
    mjp2

    #31
    mjp2 Living vicariously through myself Moderator

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    House prices started rising in 2000. Meanwhile, average salaries have not increased during that same period. In many cases, they've dropped.

    For long-term sustainability with no expectation of average salaries increasing, home prices need to drop to 1999 levels and people need to again start thinking in terms of owning their homes rather than simply making monthly payments.

    If you can find something close to the 1999-2001 price and you're planning on staying for at least 5-7 years, it could be a good buy. Otherwise, renting is the way to go while prices continue to correct.
     
    mjp2, Jul 9, 2012
    #31
  12. Jul 9, 2012 at 1:23 PM
    #32
    Leggo

    #32
    Leggo [OP] slow is smooth, and smooth is fast.

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    about 5 miles from me in So Natick, Ma.900K gets you about 2500 sf and maybe a half acre at best
     
    Leggo, Jul 9, 2012
    #32
  13. Jul 9, 2012 at 1:30 PM
    #33
    Leggo

    #33
    Leggo [OP] slow is smooth, and smooth is fast.

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    I think if you can make the payments alright, and plan on staying long term, a dip in the value on your home is irrelevant. If you own it to live in, you can weather fluctuations in the market better, and enjoy the freedom of owning your home. Just have to be able to stay employed locally.
     
    Leggo, Jul 9, 2012
    #33
  14. Jul 9, 2012 at 5:10 PM
    #34
    Larry

    #34
    Larry CARL

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    CARL
    incorrect
    correct
    I have seen this myself
    correct
     
    Larry, Jul 9, 2012
    #34
  15. Jul 24, 2012 at 3:59 PM
    #35
    Leggo

    #35
    Leggo [OP] slow is smooth, and smooth is fast.

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    Leggo, Jul 24, 2012
    #35
  16. Jul 24, 2012 at 7:27 PM
    #36
    sammy87

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    sammy87 Well-Known Member

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    Problem is that its in Canton GA and their aint shit to do other than freakin melt in the summer. I just moved out of the ATL area and yeah there are bargans, but the job market sucks, and theres not a lot to do other than sit in your big ass house. CA is expensive cuz the weather is nice, theres shit to do and everyone wants to be there.

    Back to renting though, what pisses me off is that mostly what I find for rent is pretty much a dump, dont allow dogs, and the rent is about twice what the mortgage would be. Im looking to rent for 6 months before we buy, but finding a decent home that allows dogs is an issue. I might just suck it up and move to an apartment. Really dont wanna do that again.
     
    sammy87, Jul 24, 2012
    #36
  17. Jul 24, 2012 at 7:34 PM
    #37
    babytruck

    #37
    babytruck Babytruck, babytruck...I've got a babytruck :)

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    I stand corrected, thank you! :) Though I must have been lucky. My Short sale property closed in 30 days. And when it did and the keys were handed over, it was said to me, "this is the advantage of a short sale, you get the house faster!" Which led me to think along those lines. I just considered getting the house less than what was owed, a "loss sale". :notsure: Thanks for the info, I learned something new today! :D
     
    babytruck, Jul 24, 2012
    #37
  18. Jul 24, 2012 at 7:39 PM
    #38
    ak47

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    ak47 v.hey its my Avatar avatar.v

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    i am currently house shopping and its awesome if you have patience (which i do not). we have a offer in on a short sale right now and if we get it, it will be a steal. but the waiting is effing killing me!
     
    ak47, Jul 24, 2012
    #38
  19. Jul 24, 2012 at 7:45 PM
    #39
    Leggo

    #39
    Leggo [OP] slow is smooth, and smooth is fast.

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    ^^ Good luck man! I hope it works out.
     
    Leggo, Jul 24, 2012
    #39
  20. Jul 25, 2012 at 9:09 AM
    #40
    macgyver

    #40
    macgyver Well-Known Member

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    I take it you're not from the area originally? I've lived here my whole life (Grew up in Cobb County: Marietta, Powder Springs) and there's plenty to do here.

    You're less than an hour drive to the North Georgia Mountains, 6-7 hours from the beach (FL, SC, GA), about 30-40 minutes drive to downtown Atlanta, Buckhead, Midtown. Lot's of work in the GA400 corridor and it's less than a 20 mile commute. The house posted is in a huge subdivision right on Lake Allatoona. Lake lanier is about 30-40 minutes away if you prefer Lanier over Allatoona. Downtown Woodstock which is two exits south of Canton has some great new restaurants and outdoor concerts during the summer. Cherokee County's property taxes are some of the lowest in the state (Mine are $1200 this year).

    It does get hot here but I'll take the heat over freezing to death and not seeing the sun for months at a time up north. You don't freeze to death in the winter and don't have to shovel snow.

    ...California, No thanks. I'll just go visit occassionally if I want to. Too many crazy liberals and waayyy to high cost of living and taxes.
     
    macgyver, Jul 25, 2012
    #40
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