- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
re: So all I need to do to afford a $750,000 house
Posted on 3/18/25 at 9:24 pm to NC_Tigah
Posted on 3/18/25 at 9:24 pm to NC_Tigah
quote:Depends on the degree choice. If the get a STEM degree and go into computer programming, computer networking or Information Security they'd likely start close to 65K. Be making 70K within a year or two.
How long do you expect it should take a 22yr old to make $70K??
0
Posted on 3/18/25 at 9:26 pm to SDVTiger
quote:I don't think you've bought many houses. The only 2 ways I know of getting a zero down home loan is the GI loan or paying PMI (Private Mortgage Insurance). You have to pay the PMI until you've paid down the principal to the point you have 20% equity. Likely be 150+ a month.
You dont need to put 20% down to buy a house and Id say ots foolish to do so
Posted on 3/18/25 at 9:31 pm to goldennugget
You should cancel Netflix whether you prefer to live in a mansion or doghouse.
Posted on 3/18/25 at 9:31 pm to RollTide4547
quote:
The only 2 ways I know of getting a zero down home loan is the GI loan or paying PMI (Private Mortgage Insurance).
There are other ways.
We have a physicians loan that required 0% down with no pmi.
But you have to be a doctor (or in my case the wife)
Posted on 3/18/25 at 9:35 pm to scottydoesntknow
quote:
I already demonstrated with math that despite the high interest rates, folks in the 80s were still paying less relative to their income.
I know that's what you think you've done - but you haven't.
quote:
To make it even close, youd have to have someone buy a house in 81 at the highest interest rates...and pay those rates for 30 years. Then MAYBE youd have the 80s purchaser pay more per income...you can do that math but its a dumb presumption
What's dumb is to make assumptions on one side of the comparison and not the other.
Why do you work so hard to feel aggrieved or disadvantaged? I don't get it.
Posted on 3/18/25 at 9:41 pm to RollTide4547
quote:
The only 2 ways I know of getting a zero down home loan is the GI loan or paying PMI (Private Mortgage Insurance). You have to pay the PMI until you've paid down the principal to the point you have 20% equity. Likely be 150+ a month.
So? In this example with the sbiteholes you have posted would this borrowr be better off depelting their savings of 40k just to save 150 a mnth or have 33k in the bank for issues you know are coming?
And it would be like 60 on a 150k loan amoint
Its clear you have never bought a house or bought it like a tard
Posted on 3/18/25 at 9:42 pm to SDVTiger
quote:no it's not. You're just a.clown that calls every home beneath your own personal standards as a shithole.
So is the you cant find a home that isnt a shitehole for 150k
Posted on 3/18/25 at 9:43 pm to AuburnTigers
You linked a crack house then a rotten house that you claimed was fully renovated
You are clearly a trashbag person irl if thats where you would live
You are clearly a trashbag person irl if thats where you would live
Posted on 3/18/25 at 11:52 pm to AuburnTigers
quote:
You're just a.clown that calls every home beneath your own personal standards as a shithole.
I'm having a hard time typing because I'm laughing so hard.
First of all, that guy probably lives in his mom's basement. Those are not his "personal standards" that he's using to reject your proof that he's retarded on this issue. You could post a listing comparable to Mar a Lago for $150,000 and he'd still reject it.
Second, I only come back to this thread every 6-7 pages or so, yet every time I do that dumb bastard is still on the last page arguing over what is or is not a shithole.
For some reason it's hilarious to me that anyone would spend that much time and energy on something as stupid as that.
See if you can get him to argue which metal bands are legit vs which ones are posers. That thread could go for a triple digit number of pages.
Posted on 3/18/25 at 11:55 pm to David_DJS
quote:
Why do you work so hard to feel aggrieved or disadvantaged? I don't get it.
When you figure it out, please explain it to me.
I threw in the towel 10 pages ago, at least.
You (meaning them) want the trophy for worstest home buying generation ever?
Fine, take it. I still don't think the data proves you won it, but, sure, fine, take it.
Now what? What did you win? You still have no choice but to go get after it and do whatever you have to do to make it happen. Or not. That's it. That's the choice.
Winning the victim battle on an internet message board isn't going to change that.
This post was edited on 3/18/25 at 11:58 pm
Posted on 3/19/25 at 6:09 am to SDVTiger
quote:First of all, if you are purchasing one of those dreaded 150K shitholes and the down payment of 20%is 30K. Not 40K.
So? In this example with the sbiteholes you have posted would this borrowr be better off depelting their savings of 40k just to save 150 a mnth or have 33k in the bank for issues you know are coming?
Secondly, if you rent your likely paying 1200+ a month. In 5 years you will spend 72K on rent. Buying one of those shitholes for 150K, with property tax and insurance you're looking at 1000 a month. Put 30K down, pay the payment for 5 years and do 15K in improvements (that you do yourself). You will have spent 30K down payment, 60K payment and 15K improvements for 105K. The home appreciates 3% a year, plus the 15K improvements and the value is 185K after 5 years. Your balance will be likely be 110K or so. Sell for 175K, put the down payment and the improvements back into savings (45K) and you'll clear 20K. You spent 60K on payments, but you cleared 20K on the sale. Meaning that your cost for 5 years was 40K. Owning the home saved you 32K over 5 years.
If you can't do simple math and calculate 20% of 150K in your head quickly and come up with 30K, you're likely too stupid to own a home. Probably would be best if you just rent.
Posted on 3/19/25 at 6:10 am to ksayetiger
quote:Understand. Have no experience with that, since I'm not a Dr. Did use the GI Loan once.
We have a physicians loan that required 0% down with no pmi.
Posted on 3/19/25 at 7:32 am to AuburnTigers
quote:
Which one is this? Crack house or Rotten?
The guy you’re arguing with has the brainpower of a waffle cone. If you’re expecting an intelligent response at some point, well, it ain’t happening.
Posted on 3/19/25 at 7:42 am to AuburnTigers
Rotten. That carpet lulz. Looks like it smells
That yellow is disgusting. It looks like its foundation is tilted.
Thats probably wonderful for a grub family like yourself but no 22yr is bringing a lady back to that place well maybe if she has 2 teeth
That area is awful. Probably why its been sitting for 60 days at that price. Real desirable. It was bought for 80k in 2006 so in 19yrs it averages about 2% apprecation like I said
But yeah another great example of a non shitehole under 150k
That yellow is disgusting. It looks like its foundation is tilted.
Thats probably wonderful for a grub family like yourself but no 22yr is bringing a lady back to that place well maybe if she has 2 teeth
That area is awful. Probably why its been sitting for 60 days at that price. Real desirable. It was bought for 80k in 2006 so in 19yrs it averages about 2% apprecation like I said
But yeah another great example of a non shitehole under 150k
Posted on 3/19/25 at 7:44 am to RollTide4547
quote:
20%is 30K. Not 40K.
Never heard of closing costs?
The rest of your rant is just dumb. Its obvious you have never bought a house
Posted on 3/19/25 at 7:48 am to SDVTiger
quote:Sure have, but those costs are not the down payment.
Never heard of closing costs?
quote:Whatever you need to tell yourself so that you can feel you are correct. Fine with me if you want to rent. You are probably right that you wouldn't be man enough to own a home.
The rest of your rant is just dumb. Its obvious you have never bought a house
This post was edited on 3/19/25 at 7:52 am
Posted on 3/19/25 at 7:55 am to RollTide4547
quote:
Sure have, but those costs are not the down payment.
Yeah thats why it would be more than 30k to put down
quote:
Whatever you need to tell yourself so that you can feel you are correct. Fine with me if you want to rent. You are probably right that you wouldn't be man enough to own a home.
This is very tard. Im 100% right that every home at 150k thats been posted is a shitehole and any 22yr old would be better off renting than buying a dump that gets less than 2% apprecation a year
Your dumbarse posted the 240k new build which is 1000000% better buy and would cost about 300 more per month
Thats the whole point. Good grief you 3 stooges are so dumb
Posted on 3/19/25 at 8:04 am to SDVTiger
quote:Actually not, you can roll that into the mortgage. You'd know that if you had ever purchased a home. Sometimes it is better to sit quitely and let those around you think your a babbling idiot than to open you mouth (or in this case actuate your keyboard) and remove all doubt.
Yeah thats why it would be more than 30k to put down
quote:Of course you are right. I'll be you are quite the legend in your own mind. My guess is that you know EVERYTHING right now. I'd recommend that you go out and start multiple businesses today. Because in a few years you'll grow up and realize that you don't know everything.
Im 100% right that every home at 150k thats been posted is a shitehole and any 22yr old would be better off renting than buying a dump that gets less than 2% apprecation a year
quote:Think you have me confused. Regardless, it's not about the price of the home. It is about having willingness actually step up and buy one. But that's hard to do when you can't afford to leave mommy's basement.
Your dumbarse posted the 240k new build which is 1000000% better buy and would cost about 300 more per month
quote:Hmm. Ever hear the story of the pot and kettle?
Good grief you 3 stooges are so dumb
Posted on 3/19/25 at 8:05 am to RollTide4547
quote:
Actually not, you can roll that into the mortgage
Wow
You havent bought a house. No need to continue
Page 27 of 34
Popular
Back to top
Follow TigerDroppings for LSU Football News