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Posted on 9/20/25 at 8:47 am to RealDawg
Sorry for your situation. Seems as though you actually care and arent just a business dawg. Im on the commercial side and we are drowning in design work to be bought/built 2026/2027+. I have a hard time keeping up. Its been this way for years.
Posted on 9/20/25 at 8:47 am to rowbear1922
They appreciate, usually, but at less than market.
And they are built like shite, although DSLD is marginally better.
And they are built like shite, although DSLD is marginally better.
Posted on 9/20/25 at 8:48 am to RealDawg
Sorry you are going through that. I was in business for 25 years, and those were the hardest times. It wasn’t because of the financial pinch either; it was the anxiety at having caused so much distress to others. Good luck getting to the recovery. It will come, and there will be brighter days. 
Posted on 9/20/25 at 9:25 am to Meauxjeaux
quote:
If you cannot afford the rent, how are you going to afford a loan plus the rent? I don’t see the sustainability here.
Yeah I'm trying to figure this out myself. My guess is that he's implying that you will enter into long term leases where you pay it up front like a mortgage and the lease now becomes an asset. You will own the lease but not the house similar to commercial real estate market. The renters will desire it because now the have fixed housing cost without responsibility for maintaining the property.
You have already seen propaganda on this board that the American dream of owning property is a farce.
This desire for this transition makes sense since its institutional investors that are buying up the inventory.
This post was edited on 9/20/25 at 9:30 am
Posted on 9/20/25 at 9:48 am to N2cars
Imagine an America where all the tract home builders go out of business and the market for farmland goes poof and the gay son has to give up his barista job in Nashville and move back to loranger and run the cattle farm and marry a single mom
Higher interest rates heal America
Higher interest rates heal America
Posted on 9/20/25 at 10:29 am to soccerfüt
quote:
Did your Mom have to sleep with your Elementary School principal to keep you in a “normal” class?
Oh, you got me!
F'n clown.
Posted on 9/20/25 at 10:38 am to UptownJoeBrown
quote:
quote:
you buy a 5,000 sq ft house then have three families live in it.
Nothing wrong with that. I’ve thought the same thing. Course everyone has to get along very well.
So long as you have enough driveway or the HOA tows the cars parked on the street, I’m good.
Posted on 9/20/25 at 10:46 am to Longhorn Actual
quote:it turns out they are making meth in the house and you want to evict them, but they paid in full
Apparently it's tough to evict someone if they've fully paid in advance. That's what they told me anyway. Doesn't make much sense why they wouldn't want the year's worth of working capital up front.
Posted on 9/20/25 at 10:54 am to el Gaucho
quote:Self employed? I assume he walks around with a hammer and an apron full of nails looking to smash some board together.
You work for dsld or Horton?
Posted on 9/20/25 at 11:03 am to baldona
quote:
Or people can just not buy as big of homes? Or stop buying so much other consumer BS. People can easily afford homes, they just don’t want to. There’s plenty of homes under 2,000 sq ft around me that are under $400,000. No this isn’t cheap nor what we would term ‘affordable’ but people can afford them. They just choose to prefer bigger and more expensive.
Where do you live? Because if that was truly the case, the value of entry level homes would have gone down, not nearly doubled. A $400,000 home in Baton Rouge will cost almost $3,400/month, not including maintenance and upkeep. A lot of these same houses would have cost around $1,800/month just a few years ago.
Also, other things have gotten more expensive too, not just houses - vehicles, food, insurance, health care, medicine. That all adds up.
Posted on 9/20/25 at 11:12 am to rowbear1922
quote:
They are good for nothing other than rentals bc their properties will never appreciate. Oh, and build like shite
Horton maybe… DSLD homes built more soundly than homes 3x times their price… I’m not just saying this .., I know this for a fact … extreme inside information
Posted on 9/20/25 at 11:13 am to RealDawg
Is this good for landlords in general? Feel like what you are saying is good to raise rents.
Posted on 9/20/25 at 11:16 am to Buryl
quote:
Or people can just not buy as big of homes? Or stop buying so much other consumer BS. People can easily afford homes
quote:
Where do you live? Because if that was truly the case, the value of entry level homes would have gone down, not nearly doubled. A $400,000 home in Baton Rouge will cost almost $3,400/month, not including maintenance and upkeep. A lot of these same houses would have cost around $1,800/month just a few years ago.
Also, other things have gotten more expensive too, not just houses - vehicles, food, insurance, health care, medicine. That all adds up.
Yeah, I really don't get the "just dont buy a huge house " angle. Maybe there are affordabale smaller homes in places with bad job markets but a decent 2000 sq ft or smaller home that doesn't need a gut renovation is exactly what almost every one know looking for a home wants.
Most that I know who can do it is because they can work from home and move farther out.
Posted on 9/20/25 at 11:45 am to RealDawg
quote:
Headed toward actual loans toward the rent you contract for versus just a signed rental contract. Period of time will be longer. Obligations will be different. Owners of loans will be different. Greater ability to package/sell those loans as a financial product that operates different than short term renewable rent contract. Rental neighborhoods creating new financial products from what multifamily apartments offer.
On the surface that sounds like a friggin' disaster waiting to happen.
If I am reading it correctly it amounts to the "buy here/pay here" used car model where they hope you default on the loan so they can rape somebody else while kicking you to the curb.
Posted on 9/20/25 at 11:58 am to lepdagod
quote:
Horton maybe… DSLD homes built more soundly than homes 3x times their price… I’m not just saying this .., I know this for a fact … extreme inside information
You trying to sell your starter home baw
Posted on 9/20/25 at 12:02 pm to RealDawg
Seeing the same thing over here
Posted on 9/20/25 at 12:11 pm to tiggerfan02 2021
quote:
On the surface that sounds like a friggin' disaster waiting to happen. If I am reading it correctly it amounts to the "buy here/pay here" used car model where they hope you default on the loan so they can rape somebody else while kicking you to the curb.
It borders on or crosses over into predatory lending. They are forcing a loan on a person who, in many cases, is living hand to mouth. Then they increase the number of folks with poor credit. Long-term these unfortunate people will suffer hardships.
As stated by another poster, why would a prudent lender want to lend money with no collateral??
Posted on 9/20/25 at 12:28 pm to mudshuvl05
quote:quote:Simple answer to a dumb question: Make it illegal for investment firms to buy up housing.
What, exactly, do you think they need to do?
So, more intrusive government? That always works out so well. Sounds like a dumb answer.
quote:
It gets to a point where it's no longer a free market, but a monopoly, and we have a handful of investment firms that are just that. Break em up.
Investment firms own significantly less than what it would take to be a monopoly of home ownership, but I could see the value in having some barriers to the continued growth of investment firm ownership of single unit family housing.
quote:quote:Is this a joke? Pretty much the majority of the problems we are dealing with can be contributed to government action, and some times, inaction (like in this case).
How many of the issues we see right now are the result of poorly thought-out government involvement?
So the majority of the issues are government-induced induced and you want more government involvement? This is my point: the government will screw it up.
quote:
What a clown arse argument to make with that graph.
It's data and supports what I am saying. Homeownership as a percentage of the population has been between 60 and 70%since the late 50s and peaking in 2004 at 69.2%. It dropped back down to 62.9% in 2016. Currently very close to the average for this century. My point in responding to the statement that home ownership is the keystone of the American dream and it is under attack is that it is alive and well, and as much so as ever.
Home ownership is dropping, and I think that has been at least partly due to the rising interest rates. The cost of initially getting into home ownership does look daunting, though.
Posted on 9/20/25 at 1:18 pm to RealDawg
quote:
quote: Is this not exactly what rent has always been? Yes and No. Headed toward actual loans toward the rent you contract for versus just a signed rental contract. Period of time will be longer. Obligations will be different. Owners of loans will be different. Greater ability to package/sell those loans as a financial product that operates different than short term renewable rent contract. Rental neighborhoods creating new financial products from what multifamily apartments offer.
Yeah, this isn’t exactly a new concept. It’s been decades since I read Upton Sinclair’s the Jungle.
But, l remember in the beginning of the book the character was excited because the company sold new homes to its employees…then, a couple chapters later you realize they were just freshly painted. The company expected employees to get sick and default and it was rinse/repeat the mortgage.
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