Is it better to rent or own a home?
>>61879449better rent during bullrunbetter own during bear
who wants to fight and die for land they are renting kek
>give money to jew to live in his apartment>don't give money to anybody and live in your own houseHmmmmm
>>61879449rent if you're hustling in a high cost of living areaown if you're retired by the lake in the middle of nowhere
>>61879522>don't give money to anybody and live in your own houseother than the jewish bank providing you the mortgage who owns your home until you pay it off, plus interest plus tip
>>61879581>he doesn't have cashNgmi
I always feel like such a chad when I come onto this site lol. the scoreboard is simple: 20 years renting = nothing. 20 years owning = equity, control, optionality.You’re either the bull (owner) or you’re the cuck (renter).>>61879581Less avocado toast and more HYSA.
>>61879449only niggers will think that it is better to rent, because the majority of models saying "le rent is better" ignore moving costs and realistic rent increasesso much for the compounding effect of your "saved" invested money when a good portion gets eaten every 2-3 years (maybe longer later in life)not to mention being a cuck to the landlord's whims
Listen to> https://rationalreminder.ca/podcast/358You can thank me later.
>>61879597I get 11% a year in stocks for free, why the fuck would I put that in a huge liability like a house that might go up 1-3% a year.
>>61879449I live in Australia. I bought a house for 1.2 million in 2022. The nearly identical house next door sold for 1.8 million in late 2025. On capital gains alone my house has made $200,000 a year for the last 3 years.I paid for in cash but assuming I financed 90% of it, I would have paid a about 175k in interest even if I borrowed as much as possible I would still be ahead by ~425kIf I rented the same house instead I would pay about $1250/wk in rent or $195,000. With zero equity.The difference between my position and my position if I rented is therefore about $800,000 in 3 years.This number is going to get substantially worse for the renter as time goes on because rents go up but my mortgage would always be going down.Renting is retard behaviour you still pay a mortgage, just not your own.
>>61879687Want to see something fucking insanehttps://public.tableau.com/shared/B6MFWSB9D?:display_count=n&:origin=viz_share_link
>>61879449There are pros and cons to either, whether one is better depends on the individual and their circumstances. That said, I personally consider owning a stake in your country to be an important part of the human experience, and I find it kinda distasteful that people intentionally eschew that just for the sake of making an invisible number go up.
>>61879449Better in what way?In today’s market it’s almost always mathematically better to rent and invest than own.Average house is around $500k and with current interest rates a 30 year mortgage will mean you’ve paid about 100% of the initial purchase price in interest which means that your house will need to have doubled in value in 30 years in order for you to break even.It also means the meme of “throwing money away to a landlord” is completely retarded because you’re still paying a ton of interest and taxes and maintenance costs.When renting it may require a first and last money deposit but it doesn’t cost 20% down.Buying a house can be a huge liquidity drain.All that being said I think the best thing to do is whatever you’re comfortable with.
>>61879710>past performance is indicative of future performancelol
>>61879841>which means that your house will need to have doubled in value in 30 years in order for you to break evenIn the last 30 years most western countries experienced 300-400% in property prices which massively out performed stock markets in that same time frame. Further, the average Normie cannot access millions in debt for stock market trading. Those who used 20% deposit to trade for 30 years while paying rent have objectively been eclipsed by the wealth of property investors.
>>61879974> Showing a single massive growth is the same thing as saying "it will always do that"Lol
>>61879449If you own a house and put it on rent, the ROI time of owning a home is somewhere around 20 years. Plus, your property is stuck on the location, if anything happens to that place (like a bitcoin farm that contaminates the town with 100+ dB) bye bye to your investment. It's overall better to rent if you are looking to grow your wealth through equity markets.
>>61879449From a boomer valuation bubble perspective rent, from a societal/life perspective OWN and it isn't even close
>>61879975So your rationale for buying a house that by your account has already gone up 400% is that it will do it again?
>>61879699>cherry picking the biggest real-estate bullruns in history.I hate to break it to you, but those returns are not sustainable. In every reasonable data sample, the stock market outperforms real-estate, and guess what you can leverage stocks as well not just houses.
>>61879449It depends, a small and cheap studio apartment in a good location is a solid investment, but I'd be careful about dumping a lot of money into a big mansion in the middle of nowhere, good chance you'll never be able to sell it again and you'll spend 2x more over time on maintenance costs.Fundamentally, a home is for living in, only buy a place that you'll be happy living in for the next 40 years.
>>61879449DependsCan you genuinely *own* land anywhere in the world right now?Or do you have to pay rent in the form of prop taxes?
rent = all costs + someone's profits from rent + someone else gets appreciation own = all costs + you get appreciation behind the political system being a "choice" rent vs own is the biggest scam of the last 50 years. dwarfs maddoff by trillions.>own billions in rentals>charge the max, always raise rent>tell you owning is stupid and you shouldn't do it>be most famous property owners, grant cardon, ramit whoever shady, kevin olearly, 100 others
>>61880370inb4 but grandma lets me stay in the basement for 4 apple bags and 50 a month when at market it'd be 1500. yeah, that's a good deal, do that. market is not.
>>61880370It's blatantly clear you have never owned any rental properties
>>61879449Own because you can debt max via mortgages
>>61880542Nor do I but I do own my home and I agree with him. Renting has 2 problems:1. You just pay somebody else's debt instead of yours and help them make a profit. This profit is not paid if you own.2. You do want to retire. For which not having this expense helps greatly.
>>61879605The only good argument for renting is increased mobility, which is nice for when you're a young student or professional who hasn't settled into a career or family life yet.>cheaperOnly if you live in the shitty ghetto apartments, nice apartments are about on par with mortgage prices for a similarly sized and equipped house>no maintenance expensesGood luck getting the landlord to fix anything in a timely fashion vs. getting it done immediately if you own.
>>61879449Depends on the location.I split a $900 two-bedroom apartment with my mother. Renting a home around here is a minimum $1,600/mo not including utilities. Buying a home around here with 20% down is still around $2,200/mo.Almost 100% of the money I save goes into investments. Right now I'm putting about $4k/mo into mutual funds, plus I still have my emergency cash which covers 12 - 18 months of expenses. Studies have shown that if you dump the money you save from renting into stocks, you'll usually outperform real estate.I'd rather pay $900/mo for rent and put $1,300 into stocks every month, instead of paying a $2,200/mo mortgage, having very little savings left and then praying to God the price appreciation increases faster than the maintenance, taxes and insurance costs of the property, all the while you're living in your house, so it really isn't a liquid asset. Even if the price appreciates, you'd have to sell the place you live in to access the cash.
>>61880713>I split a $900 two-bedroom apartment with my motherhow are you going to get a gf with that living situation you loser?
>>61879449The best is rent until you need a home for your family
>>61880805This. You don't want to raise your family in an apartment.Started at 48k. First house was 136k with 3.5% down. Lived in it, fixed it up, refi’d at 212k and pulled 45k. Rolled that into a duplex. Repeated. Now it’s 12 doors across two Southern towns most people fly over. Portfolio value around 3.8M, debt just under 2M, net worth brushing 2M. Gross rents ~23k a month, net 6k to 7k after reserves. Tenants have paid down a few hundred grand of my principal while inflation quietly erodes the rest.I don’t live in BFE, I invest near it. Towns big enough for a Walmart, small enough that comps lag reality. I fix the screened doors, clean up the yard, bump rent to market at renewal, and everyone’s happy because the place actually works now. Ag exemption on 30 acres keeps taxes light, a few head of cattle for the weekend hobby. Nothing evil. Just understanding incentives and moving before the crowd does.
>>61879449it depends on different factors like if you have a family or plan to in the near future as well as the real estate market where you live. it’s probably a good idea to rent for a while when you move to a new city until you know what part of town is best to live in. also mortgage interest rates can effect whether it’s cheaper to rent or buy at a given time, etc. but also it isn’t that big of a deal in terms of your overall financial success in life. increasing your income will be much better for you financially than picking “correctly” between renting and owning.
>>61880796I'm 33 years old. Women don't care of you live with your mom.
>>61879449The ol' rent vs own IQ test. This really separates the retards from the financial literates. It's financially optimal to rent in most circumstances, including today's. If you can't arrive at that conclusion yourself, it's time to hit the books because we can't think for you.
>>61880665jesus christ america is a shithole if no one fixes things over there, i can call up my landlord anytime between 8am-4pm on the weekdays and theyll be here within 30min, if needed a plumber will be over the next day.
>>61881631Not everyone is lucky with landlords. It's better to sort it out yourself.
Own. Dont be a rent cuck. Makensure you plan where you want to live and that its some place you really want to be. Make sure your not a faghot who cant use tools or prune a tree. He'll, you might even buy another one if you could, then rent it out to another rent cuck.>Muh home repairsOk perhaps you deserve to be cucked.
>>61879522If you live in a house owned by you, it's going to be harder to make whales invest in your safety. Meanwhile "rentoids" don't have to worry about vandalism or arson
>>61879449>>61879455>>61879506>>61879522objectively smartest thing to do was sell your house and buy silveryou could already have bought 5 houses with it now, but its got a 100x left in itrenting gets you rich as fuck sometimes
>>61881668>Arsonim more concerned about the next door nigger lighting everything on fire because he accidentally washed his chicken in rubbing alcohol before cooking itthe same way they put holes through my roof and flood my apartment
>yes, take out 30 year loans to buy the top LOCATION LOCATION LOCATION and pump my Zestimate (TM), everyone who's smart and not dumb is doing it to Build Equity, even though they have to drive 2 hours to work and live in an overpopulated hustling and bustling shithole>no, you can't just rent the cheapest apartment you can find 10 minutes away from your high-paying job, invest everything you earn, and in 30 years buy a house in a cozy distant neighborhood for cheap when you retire, that would be unfair for my Zestimate (TM)
>>61879449I believe it is Better™ to own, but it is a tremendous undertaking that has to be taken intentionally.>Muh home repairsYes, muh home repairs. Renting is more appropriate and will yield a better, more cost effective quality of life for 90% of people, because most people will think they're supposed to contract every bit of maintenance out to Roto Rooter and Morris Jenkins.Wife vs escorts, ownership vs renting. Same same.
>>61881668They would have to worry about rent increases.
