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Frankly, homes should not be financed

People often talk about the student loan bubble and how avai...
maize roast beef
  11/27/17
This is correct, same with student loans
plum contagious azn old irish cottage
  11/27/17
no. school loans are an investment. it's much easier to just...
sienna tanning salon
  11/27/17
Cr. We're well on the way to total state control of citizenr...
lavender 180 nursing home pisswyrm
  11/27/17
evil stuff! seems very wrong!!
bull headed coffee pot forum
  11/27/17
...
free-loading hall cuck
  11/27/17
Sounds to me like you don't own a home or pay property taxes...
Erotic hairraiser chapel
  11/27/17
...
Cyan offensive useless brakes
  11/27/17
...
twinkling trip laser beams field
  11/27/17
Sounds to me like you're a Jewish liberal
plum contagious azn old irish cottage
  11/27/17
...
Red athletic conference
  11/27/17
I own a home outright; no mortgage. I also purchased a reaso...
maize roast beef
  11/27/17
plz advise as to how your shrew gf composts her waste in you...
twinkling trip laser beams field
  11/27/17
the right move
bat-shit-crazy mustard prole
  11/27/17
...
Hateful Community Account Regret
  11/27/17
Wife and I both own homes. We saved and took out mortgages u...
High-end Stage
  11/27/17
So just fuck anyone who lives in a more expensive area than ...
cordovan galvanic library
  11/27/17
yep
High-end Stage
  11/27/17
cr, fuck the coasts and libs
bat-shit-crazy mustard prole
  11/27/17
You guys are just embarrassing at this point
cordovan galvanic library
  11/27/17
180
Violent self-centered queen of the night
  11/27/17
no one is forcing you to live there
Stimulating translucent indirect expression stag film
  11/27/17
This is retarded policy. Our economy needs people to live in...
cordovan galvanic library
  11/27/17
Instead of paying interest to All-Cash jewish Bankers?
maize roast beef
  11/27/17
we should encourage people to build equity...
cordovan galvanic library
  11/27/17
(realtor)
bat-shit-crazy mustard prole
  11/27/17
Yeah pissing away money on rent for years in end is great fo...
cordovan galvanic library
  11/27/17
you clearly don't own a home
Stimulating translucent indirect expression stag film
  11/27/17
Nope, he just bought a home within his means. Move further o...
High-end Stage
  11/27/17
you are engaging in an extremely retarded line of thinking
filthy spot kitty
  11/27/17
lol what
filthy spot kitty
  11/27/17
It's the irrational mouthpiece line of the real estate lobby...
bat-shit-crazy mustard prole
  11/27/17
Wat
cordovan galvanic library
  11/27/17
maybe you should do something about the all cash chinks inst...
Stimulating translucent indirect expression stag film
  11/27/17
Lol @ this flame. Why the fuck do we NEED to live in thes...
High-end Stage
  11/27/17
O-P! E-R-A!
bat-shit-crazy mustard prole
  11/27/17
MY artisanal cheese shop MY hit broadway musical MY cr...
High-end Stage
  11/27/17
MY IPA TITS
Erotic hairraiser chapel
  11/27/17
Maybe you can just enjoy your walmart lifestyle and stop tel...
Fragrant haunted graveyard
  11/27/17
...
cordovan galvanic library
  11/27/17
live however you want. just don't expect others to subsidize...
maize roast beef
  11/27/17
That's not what your OP purports. Stop shitting out kids a...
Fragrant haunted graveyard
  11/27/17
Children are what make this whole thing work, not your Labra...
High-end Stage
  11/27/17
LOL at your drooling little tax deductions.
Fragrant haunted graveyard
  11/27/17
Lol. Ur so riled up ITT.
High-end Stage
  11/27/17
lol @ your lib tears. At least you can walk down the blo...
High-end Stage
  11/27/17
LOL at your impotent rage. I live in suburban phoenix and ...
Fragrant haunted graveyard
  11/27/17
they're becoming as fascistic as the libs
cordovan galvanic library
  11/27/17
Lol at your claims of bootstrapping when you get MAF at the ...
Yellow Impressive Indian Lodge
  11/27/17
PAYE?
High-end Stage
  11/27/17
Maybe it was PSLF? Fuck if I know the details about the nigg...
Yellow Impressive Indian Lodge
  11/27/17
When you pry open the home finance market/value chain you re...
Pungent shitlib
  11/27/17
There are still many parts of this country where land and ho...
Learning disabled haunting masturbator
  11/27/17
That is what I did. It's 180.
maize roast beef
  11/27/17
Ditto
Hateful Community Account Regret
  11/27/17
Titcr, no more subsidizing coastal urban childless shrews
High-end Stage
  11/27/17
aren't...you....
twinkling trip laser beams field
  11/27/17
...
High-end Stage
  11/27/17
how do you feel about student loan deadbeats getting loan fo...
Jet-lagged Mediation Menage
  11/27/17
gas
bat-shit-crazy mustard prole
  11/27/17
They are 180 and entered into a binding agreement whereby th...
High-end Stage
  11/27/17
(90IQ)
cordovan galvanic library
  11/27/17
yeah that's bullshit too. we have no personal accountability...
maize roast beef
  11/27/17
Sounds like a great way to make sure only the elderly who've...
Sooty patrolman police squad
  11/27/17
...
White station doctorate
  11/27/17
Or just dont expect to buy in MFH or SF...
High-end Stage
  11/27/17
The average american doesn't have $200k lying around or even...
sick tank
  11/27/17
Its not unreasonable to save 30-40k for 10% down on a $300k ...
High-end Stage
  11/27/17
not really. those families will take the higher standard ded...
arousing magenta den famous landscape painting
  11/27/17
might they consider renting an apartment for a time
bat-shit-crazy mustard prole
  11/27/17
...
sick tank
  11/27/17
LOL at this fat asshole telling the rest of us how we should...
Fragrant haunted graveyard
  11/27/17
...
cordovan galvanic library
  11/27/17
Cr defend this shit tax plan AT ALL COSTS
cordovan galvanic library
  11/27/17
...
White station doctorate
  11/27/17
why should someone pass up a 3-4% interest rate on a loan?
filthy spot kitty
  11/27/17
low iq
cordovan galvanic library
  11/27/17
sup mort
bat-shit-crazy mustard prole
  11/27/17
...
transparent mind-boggling locus sex offender
  11/27/17
...
High-end Stage
  11/27/17
...
maize roast beef
  11/27/17
(((why indeed)))
maize roast beef
  11/27/17
I completely agree, it's great for banks and nobody else
bat-shit-crazy mustard prole
  11/27/17
i hate the mortgage interest deduction as much as anyone, an...
scarlet mewling gas station digit ratio
  11/27/17
I know. Let's all buy a shack in Arkansas and make fun of ...
Fragrant haunted graveyard
  11/27/17
No you don’t get it, no one should live in NYC or SF. And if...
cordovan galvanic library
  11/27/17
Counterpoint: fuck Libs TRUMP TRUMP TRUMP MAGA
cordovan galvanic library
  11/27/17
If you're so poor you can't even buy a home with straight ca...
titillating box office
  11/27/17
lmao @ these shrieking unhinged coastal debtcucks
razzmatazz carmine preventive strike hospital
  11/27/17
...
High-end Stage
  11/27/17
...
bossy liquid oxygen telephone
  11/27/17
Ljl @ degenerate XO posters
Autistic big lodge
  11/27/17
Itt: insulated libs who didn't realize they are the rich one...
Honey-headed university
  11/27/17
Twist: many of us aren’t liberal at all
cordovan galvanic library
  11/27/17
Do libs have a higher rate of home ownership?
Fragrant haunted graveyard
  11/27/17
I suspect more Libs have mortgages over $500k
High-end Stage
  11/27/17
Libs or lib states, it's a direct subsidy for lib nanny stat...
Honey-headed university
  11/27/17
There is no income histogram that would support this
Cyan offensive useless brakes
  11/27/17
Wouldn't the result just be a massive increase in the rental...
Dull volcanic crater
  11/27/17
They can do that anyway. What is the stop someone wealthy fr...
maize roast beef
  11/27/17
he's saying the uptick in demand for rental housing would gi...
scarlet mewling gas station digit ratio
  11/27/17
Ty. I forgot that this is (xo 2017).
Dull volcanic crater
  11/27/17
...
unholy multi-colored internal respiration
  11/28/17
This incentive already exists. Single family homes don't ren...
bat-shit-crazy mustard prole
  11/27/17
Depends on market. In San Jose, we rented our prior SFH and ...
Electric gaped brunch
  11/27/17
No, people who buy are able to obtain financing and the mort...
Dull volcanic crater
  11/27/17
I don't agree, I think people moving into homes do not want ...
bat-shit-crazy mustard prole
  11/27/17
What? Taking out economic benefit, being a renter IMO is be...
Dull volcanic crater
  11/27/17
I think you'd find few people to agree with you that renting...
bat-shit-crazy mustard prole
  11/27/17
This is a discussion about economic incentives and taxation,...
Dull volcanic crater
  11/27/17
If you don't think people moving into the single-family home...
bat-shit-crazy mustard prole
  11/27/17
Your only economic argument prior to this post was that home...
Dull volcanic crater
  11/27/17
Everyone living in a Pottersville slum rental house
titillating box office
  11/27/17
I personally think you should only finance if you're truly g...
Electric gaped brunch
  11/27/17
How long have you owned?
High-end Stage
  11/27/17
I would assume if you own a $2.3MM home you are likely in AM...
Dull volcanic crater
  11/27/17
Owned this home for ~2 years now. Bought it for just under $...
Electric gaped brunch
  11/27/17
If I'm not mistaken, if you are in AMT, you add back your de...
Dull volcanic crater
  11/27/17
This thread is monumentally fucking retarded. A 150k house i...
Chartreuse cocky puppy rehab
  11/27/17
This is true, but because of the low price they are usually ...
Honey-headed university
  11/27/17
...
disrespectful embarrassed to the bone meetinghouse
  11/28/17
...
cordovan galvanic library
  11/27/17
And a home is cheap as fuck in those areas because there are...
Dull volcanic crater
  11/27/17
http://www.xoxohth.com/thread.php?thread_id=3810238&mc=5...
bat-shit-crazy mustard prole
  11/27/17
Homes would be cheaper if financing would not be an option. ...
maize roast beef
  11/27/17
yes and it's good logic
bat-shit-crazy mustard prole
  11/27/17
Tbf nothing wrong with financing, but the govt is deeply inv...
Violent self-centered queen of the night
  11/27/17
People bought homes on a 3-5 year note until the 30s when (...
Pale incel
  11/27/17
spin, ratfucks
obsidian abode mad-dog skullcap
  11/28/17
lol @ the flailing retards ITT assuming that home prices wou...
doobsian bateful area
  11/28/17
spin, ratfucks
obsidian abode mad-dog skullcap
  11/28/17
lol at you assuming that the rich wouldn't just buy up all t...
filthy spot kitty
  11/28/17
Rental communities are shit pure shit. No one wants renters...
Rusted Soul-stirring Genital Piercing Roommate
  11/28/17
...
disrespectful embarrassed to the bone meetinghouse
  11/28/17


Poast new message in this thread



Reply Favorite

Date: November 27th, 2017 10:20 AM
Author: maize roast beef

People often talk about the student loan bubble and how availability of these loans has jacked up tuition. Well finance has done the same to housing prices.

I have little sympathy for shitheads crying about the Trump tax plan because it screws them on their home expenses - property taxes or mortgage deductions. If you bought a reasonably priced home outright, these things wouldn't concern you.

The obvious response to this will be "yeah bro just do buy million dollar home for cash." But one reason that home is a million dollars is because everyone and mother finances.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34780610)



Reply Favorite

Date: November 27th, 2017 10:21 AM
Author: plum contagious azn old irish cottage

This is correct, same with student loans

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34780615)



Reply Favorite

Date: November 27th, 2017 5:54 PM
Author: sienna tanning salon

no. school loans are an investment. it's much easier to justify student loans than home loans.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34784079)



Reply Favorite

Date: November 27th, 2017 10:23 AM
Author: lavender 180 nursing home pisswyrm

Cr. We're well on the way to total state control of citizenry through debt peonage, much of it wrought by government meddling in home prices, education, and health care.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34780629)



Reply Favorite

Date: November 27th, 2017 10:28 AM
Author: bull headed coffee pot forum

evil stuff! seems very wrong!!

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34780656)



Reply Favorite

Date: November 27th, 2017 10:30 AM
Author: free-loading hall cuck



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34780666)



Reply Favorite

Date: November 27th, 2017 10:26 AM
Author: Erotic hairraiser chapel

Sounds to me like you don't own a home or pay property taxes.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34780646)



Reply Favorite

Date: November 27th, 2017 10:29 AM
Author: Cyan offensive useless brakes



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34780660)



Reply Favorite

Date: November 27th, 2017 10:31 AM
Author: twinkling trip laser beams field



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34780669)



Reply Favorite

Date: November 27th, 2017 10:33 AM
Author: plum contagious azn old irish cottage

Sounds to me like you're a Jewish liberal

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34780682)



Reply Favorite

Date: November 27th, 2017 12:26 PM
Author: Red athletic conference



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781308)



Reply Favorite

Date: November 27th, 2017 10:35 AM
Author: maize roast beef

I own a home outright; no mortgage. I also purchased a reasonably priced home. So the property taxes aren't exorbitant.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34780701)



Reply Favorite

Date: November 27th, 2017 10:42 AM
Author: twinkling trip laser beams field

plz advise as to how your shrew gf composts her waste in your trendy "tiny home"

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34780734)



Reply Favorite

Date: November 27th, 2017 11:55 AM
Author: bat-shit-crazy mustard prole

the right move

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781102)



Reply Favorite

Date: November 27th, 2017 11:37 AM
Author: Hateful Community Account Regret



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34780997)



Reply Favorite

Date: November 27th, 2017 11:38 AM
Author: High-end Stage

Wife and I both own homes. We saved and took out mortgages under $500k. I agree with OP.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781009)



Reply Favorite

Date: November 27th, 2017 11:47 AM
Author: cordovan galvanic library

So just fuck anyone who lives in a more expensive area than you. Real principled

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781059)



Reply Favorite

Date: November 27th, 2017 11:51 AM
Author: High-end Stage

yep

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781083)



Reply Favorite

Date: November 27th, 2017 11:55 AM
Author: bat-shit-crazy mustard prole

cr, fuck the coasts and libs

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781106)



Reply Favorite

Date: November 27th, 2017 11:56 AM
Author: cordovan galvanic library

You guys are just embarrassing at this point

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781110)



Reply Favorite

Date: November 27th, 2017 12:34 PM
Author: Violent self-centered queen of the night

180

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781370)



Reply Favorite

Date: November 27th, 2017 11:59 AM
Author: Stimulating translucent indirect expression stag film

no one is forcing you to live there

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781141)



Reply Favorite

Date: November 27th, 2017 12:01 PM
Author: cordovan galvanic library

This is retarded policy. Our economy needs people to live in places like SF and MFH more so than Arkansas and we should be encouraging people to buy. This encourages renting from All-Cash chinese Buyers

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781152)



Reply Favorite

Date: November 27th, 2017 12:02 PM
Author: maize roast beef

Instead of paying interest to All-Cash jewish Bankers?

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781164)



Reply Favorite

Date: November 27th, 2017 12:05 PM
Author: cordovan galvanic library

we should encourage people to build equity...

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781177)



Reply Favorite

Date: November 27th, 2017 12:05 PM
Author: bat-shit-crazy mustard prole

(realtor)

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781182)



Reply Favorite

Date: November 27th, 2017 12:09 PM
Author: cordovan galvanic library

Yeah pissing away money on rent for years in end is great for the middle class

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781207)



Reply Favorite

Date: November 27th, 2017 12:10 PM
Author: Stimulating translucent indirect expression stag film

you clearly don't own a home

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781211)



Reply Favorite

Date: November 27th, 2017 12:21 PM
Author: High-end Stage

Nope, he just bought a home within his means. Move further out and commute or move to a less expensive city, faggot

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781281)



Reply Favorite

Date: November 27th, 2017 12:19 PM
Author: filthy spot kitty

you are engaging in an extremely retarded line of thinking

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781270)



Reply Favorite

Date: November 27th, 2017 12:06 PM
Author: filthy spot kitty

lol what

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781189)



Reply Favorite

Date: November 27th, 2017 12:07 PM
Author: bat-shit-crazy mustard prole

It's the irrational mouthpiece line of the real estate lobby for the past 50 years

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781196)



Reply Favorite

Date: November 27th, 2017 12:10 PM
Author: cordovan galvanic library

Wat

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781209)



Reply Favorite

Date: November 27th, 2017 12:06 PM
Author: Stimulating translucent indirect expression stag film

maybe you should do something about the all cash chinks instead of expecting the fed govt to subsidize your insane taxes and inflated home prices.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781188)



Reply Favorite

Date: November 27th, 2017 12:13 PM
Author: High-end Stage

Lol @ this flame.

Why the fuck do we NEED to live in these places? Most are mindless office drones who could just as well do these jobs remotely from Nashville, Columbus, or Charlotte.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781226)



Reply Favorite

Date: November 27th, 2017 12:15 PM
Author: bat-shit-crazy mustard prole

O-P!

E-R-A!

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781235)



Reply Favorite

Date: November 27th, 2017 12:16 PM
Author: High-end Stage

MY artisanal cheese shop

MY hit broadway musical

MY craft IPA

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781241)



Reply Favorite

Date: November 27th, 2017 12:21 PM
Author: Erotic hairraiser chapel

MY IPA TITS

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781285)



Reply Favorite

Date: November 27th, 2017 12:28 PM
Author: Fragrant haunted graveyard

Maybe you can just enjoy your walmart lifestyle and stop telling everyone else how to live?

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781323)



Reply Favorite

Date: November 27th, 2017 12:31 PM
Author: cordovan galvanic library



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781343)



Reply Favorite

Date: November 27th, 2017 12:32 PM
Author: maize roast beef

live however you want. just don't expect others to subsidize your lifestyle via the tax code.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781355)



Reply Favorite

Date: November 27th, 2017 12:35 PM
Author: Fragrant haunted graveyard

That's not what your OP purports. Stop shitting out kids and charging me to educate your little heathens with my handouts.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781373)



Reply Favorite

Date: November 27th, 2017 12:37 PM
Author: High-end Stage

Children are what make this whole thing work, not your Labradoodle.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781393)



Reply Favorite

Date: November 27th, 2017 12:39 PM
Author: Fragrant haunted graveyard

LOL at your drooling little tax deductions.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781411)



Reply Favorite

Date: November 27th, 2017 12:40 PM
Author: High-end Stage

Lol. Ur so riled up ITT.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781424)



Reply Favorite

Date: November 27th, 2017 12:34 PM
Author: High-end Stage

lol @ your lib tears.

At least you can walk down the block for a $25 farm fresh burger and $10 beer!

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781367)



Reply Favorite

Date: November 27th, 2017 12:37 PM
Author: Fragrant haunted graveyard

LOL at your impotent rage. I live in suburban phoenix and live a walmart lifestyle. I'm just LOLing at you subjecting everyone to some ideal you've come up in your head as some perfect blueprint for living.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781388)



Reply Favorite

Date: November 27th, 2017 1:33 PM
Author: cordovan galvanic library

they're becoming as fascistic as the libs

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781870)



Reply Favorite

Date: November 27th, 2017 5:46 PM
Author: Yellow Impressive Indian Lodge

Lol at your claims of bootstrapping when you get MAF at the prospect of the discontinuation of PAYE

You're a fucking cuck.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34784026)



Reply Favorite

Date: November 27th, 2017 5:51 PM
Author: High-end Stage

PAYE?

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34784056)



Reply Favorite

Date: November 27th, 2017 10:01 PM
Author: Yellow Impressive Indian Lodge

Maybe it was PSLF? Fuck if I know the details about the nigger handout that you signed yourself up for

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34785966)



Reply Favorite

Date: November 27th, 2017 10:26 AM
Author: Pungent shitlib

When you pry open the home finance market/value chain you recoil in anger and dismay about its complexity and how bloated and disgusting it has become.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34780648)



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Date: November 27th, 2017 10:34 AM
Author: Learning disabled haunting masturbator

There are still many parts of this country where land and homes can be had very cheaply. People just need to get out shitty coastal blue states

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34780693)



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Date: November 27th, 2017 10:35 AM
Author: maize roast beef

That is what I did. It's 180.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34780704)



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Date: November 27th, 2017 11:37 AM
Author: Hateful Community Account Regret

Ditto

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781000)



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Date: November 27th, 2017 11:39 AM
Author: High-end Stage

Titcr, no more subsidizing coastal urban childless shrews

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781013)



Reply Favorite

Date: November 27th, 2017 11:40 AM
Author: twinkling trip laser beams field

aren't...you....

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781016)



Reply Favorite

Date: November 27th, 2017 11:40 AM
Author: High-end Stage



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781022)



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Date: November 27th, 2017 12:01 PM
Author: Jet-lagged Mediation Menage

how do you feel about student loan deadbeats getting loan forgiveness?

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781155)



Reply Favorite

Date: November 27th, 2017 12:05 PM
Author: bat-shit-crazy mustard prole

gas

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781180)



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Date: November 27th, 2017 12:11 PM
Author: High-end Stage

They are 180 and entered into a binding agreement whereby they forewent more lucrative private sector salaries in exchange for foregiveness after 10 years. Even after 10 years, the average qualifying law student will still have paid around $65k.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781216)



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Date: November 27th, 2017 4:32 PM
Author: cordovan galvanic library

(90IQ)

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34783361)



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Date: November 27th, 2017 12:31 PM
Author: maize roast beef

yeah that's bullshit too. we have no personal accountability. the crux of the problem is americans unwilling to live within their means and then expect others to bail out their spendthrift asses.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781345)



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Date: November 27th, 2017 10:52 AM
Author: Sooty patrolman police squad

Sounds like a great way to make sure only the elderly who've had years to save and people with inherited/family gift money have a good quality of life.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34780772)



Reply Favorite

Date: November 27th, 2017 10:52 AM
Author: White station doctorate



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34780773)



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Date: November 27th, 2017 11:40 AM
Author: High-end Stage

Or just dont expect to buy in MFH or SF...

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781017)



Reply Favorite

Date: November 27th, 2017 11:42 AM
Author: sick tank

The average american doesn't have $200k lying around or even the $50k necessary to buy some ramshackle barn in the middle of nowhere. There's nothing inherently wrong with financing the purchase of a house.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781034)



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Date: November 27th, 2017 11:44 AM
Author: High-end Stage

Its not unreasonable to save 30-40k for 10% down on a $300k home somewhere in the midwest or south. Evert penny of the interest on that $260k mortgage will stilk he deductible.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781044)



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Date: November 27th, 2017 11:46 AM
Author: arousing magenta den famous landscape painting

not really. those families will take the higher standard deduction so mortgages will not be tax saving.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781052)



Reply Favorite

Date: November 27th, 2017 11:56 AM
Author: bat-shit-crazy mustard prole

might they consider renting an apartment for a time

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781113)



Reply Favorite

Date: November 27th, 2017 11:40 AM
Author: sick tank



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781020)



Reply Favorite

Date: November 27th, 2017 11:43 AM
Author: Fragrant haunted graveyard

LOL at this fat asshole telling the rest of us how we should live.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781036)



Reply Favorite

Date: November 27th, 2017 11:45 AM
Author: cordovan galvanic library



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781047)



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Date: November 27th, 2017 11:46 AM
Author: cordovan galvanic library

Cr defend this shit tax plan AT ALL COSTS

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781053)



Reply Favorite

Date: November 27th, 2017 1:58 PM
Author: White station doctorate



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34782101)



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Date: November 27th, 2017 11:50 AM
Author: filthy spot kitty

why should someone pass up a 3-4% interest rate on a loan?

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781075)



Reply Favorite

Date: November 27th, 2017 11:55 AM
Author: cordovan galvanic library

low iq

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781107)



Reply Favorite

Date: November 27th, 2017 11:57 AM
Author: bat-shit-crazy mustard prole

sup mort

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781123)



Reply Favorite

Date: November 27th, 2017 12:27 PM
Author: transparent mind-boggling locus sex offender



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781313)



Reply Favorite

Date: November 27th, 2017 12:28 PM
Author: High-end Stage



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781322)



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Date: November 27th, 2017 12:33 PM
Author: maize roast beef



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781363)



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Date: November 27th, 2017 12:01 PM
Author: maize roast beef

(((why indeed)))

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781158)



Reply Favorite

Date: November 27th, 2017 11:55 AM
Author: bat-shit-crazy mustard prole

I completely agree, it's great for banks and nobody else

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781096)



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Date: November 27th, 2017 11:55 AM
Author: scarlet mewling gas station digit ratio

i hate the mortgage interest deduction as much as anyone, and there’s a strong argument against govt intervention in mortgage markets via the GSEs, but this is just retarded lmao. just do arbitrarily deprive ourselves the benefits of modern consumer finance lol

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781098)



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Date: November 27th, 2017 11:57 AM
Author: Fragrant haunted graveyard

I know. Let's all buy a shack in Arkansas and make fun of people that don't live there.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781119)



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Date: November 27th, 2017 11:59 AM
Author: cordovan galvanic library

No you don’t get it, no one should live in NYC or SF. And if they do, normal people should rent. That’s good because ummm... trump needs a win or something.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781136)



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Date: November 27th, 2017 11:58 AM
Author: cordovan galvanic library

Counterpoint: fuck Libs TRUMP TRUMP TRUMP MAGA

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781127)



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Date: November 27th, 2017 12:00 PM
Author: titillating box office

If you're so poor you can't even buy a home with straight cash, you should probably just live on the streets.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781147)



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Date: November 27th, 2017 12:21 PM
Author: razzmatazz carmine preventive strike hospital

lmao @ these shrieking unhinged coastal debtcucks

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781283)



Reply Favorite

Date: November 27th, 2017 12:22 PM
Author: High-end Stage



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781290)



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Date: November 27th, 2017 12:28 PM
Author: bossy liquid oxygen telephone



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781321)



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Date: November 27th, 2017 12:25 PM
Author: Autistic big lodge

Ljl @ degenerate XO posters

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781304)



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Date: November 27th, 2017 12:30 PM
Author: Honey-headed university

Itt: insulated libs who didn't realize they are the rich ones who they wanted to tax all along

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781342)



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Date: November 27th, 2017 12:31 PM
Author: cordovan galvanic library

Twist: many of us aren’t liberal at all

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781346)



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Date: November 27th, 2017 12:31 PM
Author: Fragrant haunted graveyard

Do libs have a higher rate of home ownership?

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781347)



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Date: November 27th, 2017 12:35 PM
Author: High-end Stage

I suspect more Libs have mortgages over $500k

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781375)



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Date: November 27th, 2017 12:40 PM
Author: Honey-headed university

Libs or lib states, it's a direct subsidy for lib nanny states that's being taken away and they can't deal with the true cost of their bullshit. Sorry libs, MAGA

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781416)



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Date: November 27th, 2017 12:31 PM
Author: Cyan offensive useless brakes

There is no income histogram that would support this

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781348)



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Date: November 27th, 2017 12:36 PM
Author: Dull volcanic crater

Wouldn't the result just be a massive increase in the rental market creating new incentives for the extremely wealthy to buy up real estate including suburban single family homes to rent to the non-wealthy?



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781381)



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Date: November 27th, 2017 12:40 PM
Author: maize roast beef

They can do that anyway. What is the stop someone wealthy from buying shit up right now? Which many do.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781417)



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Date: November 27th, 2017 12:45 PM
Author: scarlet mewling gas station digit ratio

he's saying the uptick in demand for rental housing would give rich people more of an incentive to buy up property, rent it out and earn a lovely return.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781472)



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Date: November 27th, 2017 1:06 PM
Author: Dull volcanic crater

Ty. I forgot that this is (xo 2017).

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781662)



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Date: November 28th, 2017 2:52 AM
Author: unholy multi-colored internal respiration



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34787581)



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Date: November 27th, 2017 12:44 PM
Author: bat-shit-crazy mustard prole

This incentive already exists. Single family homes don't rent out in great volume because people who are renting often attempt to do so as cheaply as reasonable and won't shell out extra for more square footage.

People who BUY do just the opposite because it's OH IT'S DEDUCTIBLE

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781462)



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Date: November 27th, 2017 12:58 PM
Author: Electric gaped brunch

Depends on market. In San Jose, we rented our prior SFH and the open house had 20+ people come through in the ~4 hours or so we showed it. There are a LOT of people who are married w/ kids but priced out of home buying; these people do not want to live in an apartment, can pay a rent that's higher than a mortgage, but simply will never be able to save for a down payment. Our renters have been there 2+ years and no plans to move.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781579)



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Date: November 27th, 2017 1:12 PM
Author: Dull volcanic crater

No, people who buy are able to obtain financing and the mortgage payments are less than what it would be to rent a similar place. For example, to rent my home would cost at least 50% more than the all in mortgage and escrow payment.

Also, people view rent as a mostly nondeductible expense while mortgage is part deductible expense and part building equity in an asset.

Take away financing and deductability, and the demand for rental properties (especially in middle and upper middle class suburbs) explodes.

EDIT: people can also buy a fixer upper, make some upgrades and build equity that way. This is a benefit to home ownership through financing that has nothing to do with itemized deductions.



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781723)



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Date: November 27th, 2017 1:34 PM
Author: bat-shit-crazy mustard prole

I don't agree, I think people moving into homes do not want and are loathe to tolerate landlords. Most people increase, rather than decrease their monthly outflow when they buy a home.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781876)



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Date: November 27th, 2017 1:47 PM
Author: Dull volcanic crater

What? Taking out economic benefit, being a renter IMO is better than being a homeowner especially for suburbanites who own single family homes.

Something goes wrong, it's the landlord's responsibility to fix. Property needs to be maintained? Fuck it, not my place let the landlord do it.

To the extent people increase their monthly expenses when they buy a home, that is probably because people are usually upgrading their residence when they buy. For example, I went from a $1,500/mo 2 bedroom 1 bath apartment to a 3 bed 2.5 bath SFR on .5 acres. My total mortgage payment including tax and escrow is $2,000/mo. To rent a comparable home would be at least $3,000/mo and probably more. I don't spend anywhere near $1,000/month on maintenance and a part of my mortgage payment pays down the mortgage plus I benefit from passive appreciation.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781991)



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Date: November 27th, 2017 1:50 PM
Author: bat-shit-crazy mustard prole

I think you'd find few people to agree with you that renting a single family home is a preferable experience to owning it. Maybe for people without families who for some reason want a lot of space.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34782024)



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Date: November 27th, 2017 1:53 PM
Author: Dull volcanic crater

This is a discussion about economic incentives and taxation, and your entire argument is "i think people purchase real estate because they just like the feeling of owning their home."

I guess we are going to have to agree to disagree.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34782059)



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Date: November 27th, 2017 2:00 PM
Author: bat-shit-crazy mustard prole

If you don't think people moving into the single-family home market aren't doing so with long term family-centric goals in mind, which constitute a major factor in deciding whether or not to purchase total agency in their family's residence rather than renting from Shlomo who will continually increase the expense and then decline to renew their lease at will, causing them to uproot their entire family and life, idk what to tell you.

Removing homeownership tax deductions (which will trigger a corresponding drop in the purchase price of homes) will not juice the single family home rental market in any material way. It's a one-time swipe at people who are already holding homes and expected to cash in on the deduction long term.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34782117)



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Date: November 27th, 2017 2:45 PM
Author: Dull volcanic crater

Your only economic argument prior to this post was that homeowners actually pay more than renters. Now you are arguing that people don't want to rent because Jew landlords will hike the rent and make it too expensive for people to rent single family homes creating instability for familymos (unless you believe that landlords habitually evict people for reasons other than non-payment of rent).

As to your second point, please re-read the thread and subthread. We aren't talking about deductions but the mortgage industry and making home ownership possible for middle classmos through financing.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34782431)



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Date: November 27th, 2017 12:47 PM
Author: titillating box office

Everyone living in a Pottersville slum rental house

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781491)



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Date: November 27th, 2017 1:03 PM
Author: Electric gaped brunch

I personally think you should only finance if you're truly going to do something else with the money that will reasonably be more productive than if you put it toward the house. Our primary home is worth about ~$2.3mm and we have about $885k on a 7/1 ARM that's at ~2.6%. At that low of a rate, it doesn't make sense to just pay it off.

The thing that really fucks us is property taxes, because in CA it's functionally tied to the price you originally paid for your home. That said, our home has appreciated about $600k above what we paid so technically our taxes (~$22k a year) are lower than "market". Also, fuck CA libs, I'm happy to take a hit on losing this deduction if it means giving the middle finger to the CA State Govt and forcing them to think twice about tax increases.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781633)



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Date: November 27th, 2017 1:09 PM
Author: High-end Stage

How long have you owned?

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781694)



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Date: November 27th, 2017 1:31 PM
Author: Dull volcanic crater

I would assume if you own a $2.3MM home you are likely in AMT and derive no benefit from the property tax deduction anyway.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781853)



Reply Favorite

Date: November 27th, 2017 4:29 PM
Author: Electric gaped brunch

Owned this home for ~2 years now. Bought it for just under $1.7mm (below list!), put in about $230k (which doesn't effect our home's tax valuation), two years later no homes in our neighborhood sell for less than $2.1mm, and those are fixer-uppers.

We are in fact AMT fucked (unless Trump saves us with this tax plan) but I'm not sure if that means we get ZERO value out of the tax deductions; we have Schedule E rental properties and I'm pretty sure we can count that against AMT.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34783331)



Reply Favorite

Date: November 27th, 2017 4:51 PM
Author: Dull volcanic crater

If I'm not mistaken, if you are in AMT, you add back your deductions for mortgage interest, SALT and property tax to calculate your AMTI and then pay the higher of your AMT and regular calculation.

For sch E you deduct as expenses your mortgage interest and property tax with the net income flowing to your 1040. This isn't an itemized deduction but represents an expense reducing your income from your rental real estate biz.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34783496)



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Date: November 27th, 2017 1:12 PM
Author: Chartreuse cocky puppy rehab

This thread is monumentally fucking retarded. A 150k house in are country is easy for XOer to pay straight cash for, but singificantly less so for your standard are country bro making 50k. Those are the *majority* of people taking out mortgages in such areas, not the 1% of coastal yuppie elites who hied out to are country and now do dumb shit like ask "LOL WHY DOESN'T EVERYONE JUST PAY CASH FOR A HOUSE ITS SO EZ?"

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781725)



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Date: November 27th, 2017 1:26 PM
Author: Honey-headed university

This is true, but because of the low price they are usually better off with the standard deduction. I imagine few itemize

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781826)



Reply Favorite

Date: November 28th, 2017 6:52 PM
Author: disrespectful embarrassed to the bone meetinghouse



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34792781)



Reply Favorite

Date: November 27th, 2017 1:32 PM
Author: cordovan galvanic library



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781861)



Reply Favorite

Date: November 27th, 2017 1:32 PM
Author: Dull volcanic crater

And a home is cheap as fuck in those areas because there are no jobs that would allow people to earn enough to pay more for them.



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781862)



Reply Favorite

Date: November 27th, 2017 1:35 PM
Author: bat-shit-crazy mustard prole

http://www.xoxohth.com/thread.php?thread_id=3810238&mc=55&forum_id=2

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34781886)



Reply Favorite

Date: November 27th, 2017 1:51 PM
Author: maize roast beef

Homes would be cheaper if financing would not be an option. Isn't this the logic XO applies to college tuition?

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34782026)



Reply Favorite

Date: November 27th, 2017 1:53 PM
Author: bat-shit-crazy mustard prole

yes and it's good logic

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34782056)



Reply Favorite

Date: November 27th, 2017 5:50 PM
Author: Violent self-centered queen of the night

Tbf nothing wrong with financing, but the govt is deeply involved in the financing of both and wildly drives up the price.

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34784047)



Reply Favorite

Date: November 27th, 2017 5:57 PM
Author: Pale incel

People bought homes on a 3-5 year note until the 30s when (((they))) took over

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34784105)



Reply Favorite

Date: November 28th, 2017 2:58 AM
Author: obsidian abode mad-dog skullcap

spin, ratfucks

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34787591)



Reply Favorite

Date: November 28th, 2017 2:59 AM
Author: doobsian bateful area

lol @ the flailing retards ITT assuming that home prices would be the same. if this is actually put into practice housing prices would collapse and a decent starter home in are country would essentially be cost of construction plus a small profit margin (~100K) and would be affordable to an average are country bro making 50K a year within 7~10 years of working.

even MFH/SF/LA would see housing prices decrease a lot except for pockets where multimillionaires/foreign criminals buy homes

net effect would be that slightly less number of people would buy homes after waiting for a little longer than usual. it wont be the end of the world

a reasonable compromise would be allowing only 10/15 year mortgages

most countries in the world dont have 30 year mortgages

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34787592)



Reply Favorite

Date: November 28th, 2017 3:02 AM
Author: obsidian abode mad-dog skullcap

spin, ratfucks

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34787599)



Reply Favorite

Date: November 28th, 2017 9:17 AM
Author: filthy spot kitty

lol at you assuming that the rich wouldn't just buy up all the housing in this scenario

(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34788207)



Reply Favorite

Date: November 28th, 2017 3:32 AM
Author: Rusted Soul-stirring Genital Piercing Roommate

Rental communities are shit pure shit. No one wants renters, they want to live in a good area where people own and have a stake. So while it is nice to say no financing on house at all, that is not realistic considering many people finance iPhones. Trashing FHA loans and anything with less than 20% down I am all for. Removing the interest deduction even though it fucks me personally as it is my one AMT deduction, I could even see as a good thing, but without any financing to purchase, you basically shift an aweful lot of people to renters. Capital would rush in and provide people with leases, maybe even very long term leases, on residential properties. We can debate whether on a mid-to-Long-term horizon that makes housing cheaper or not, but one look at things like rent to own schemes or the aggregate cost to rent v. own for most of the US over a decent time horizon and the answer is people will just get fucked more.

And to the student loan comparison the biggest difference is that for the vat majority of housing loans there is good underwriting (we saw what happened when there was not) and pricing, unlike student loans which are doled out at the same usorious rate regardless of ability to repay (because of fucktard government regulation which vastly outpacing tax deductions) to kids who can’t understand it (let alone who have had the house required discipline to have decent credit and a down payment).



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34787639)



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Date: November 28th, 2017 6:54 PM
Author: disrespectful embarrassed to the bone meetinghouse



(http://www.autoadmit.com/thread.php?thread_id=3810127&forum_id=2#34792800)