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 MY FIANCE and i are tired of being under the boot of lovely landlords, living in spaces too small to support our hobbies and/or firearm collections, and generally want to have space to raise chickens and bees. Possibly at the same time.And since the BFC thread thinks a 100k AGI is "pretty low" and everyone should have 20% down minimum I come here instead to ask for help understanding the mess of social services (FHA loans, HUD homes, first-time homebuyers counseling, etc) targeted at those of us who only just graduated from living in a punk squat with five other people and a couple bands.
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Jan 3, 2020 19:56
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Buy a van and live in it b*tch. Fill it with bees
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Jan 3, 2020 20:01
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VROOM VROOM posted:Buy a van and live in it b*tch. Fill it with bees
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Jan 3, 2020 20:02
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the c in c-spam stands for chickens, you've come to the right place
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Jan 3, 2020 20:03
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PMI kind of sucks but it's not really the end of the god drat world like it gets portrayed so just ignore the people who jerk off about 20% down payments
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Jan 3, 2020 20:07
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1st things 1st, don’t be poor
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Jan 3, 2020 20:07
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VROOM VROOM posted:Buy a van and live in it b*tch. Fill it with bees i suggested that and he said no he also wouldn't let me buy a boat
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Jan 3, 2020 20:10
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corgski posted:i suggested that and he said no  and live the boat lyfe
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Jan 3, 2020 20:11
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Chillgamesh posted:1st things 1st, don’t be poor
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Jan 3, 2020 20:11
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youre going to want to move into one of your families rental properties hth
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Jan 3, 2020 20:19
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Chillgamesh posted:1st things 1st, don’t be poor
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Jan 3, 2020 20:22
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it’s called the landowning class for a reason op and ur not in it.
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Jan 3, 2020 20:29
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Bootstraps, lots of em
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Jan 3, 2020 20:41
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Move into an abandoned fishing boat in the former suburban Detroit.
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Jan 3, 2020 20:47
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its like what temperature of blood would you like on your hands OP
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Jan 3, 2020 20:49
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seems like the system is working to me. but seriously so much depends on where you live. my advice is to move to the deep south where you can just buy a house for 12,000 cash. or 3.000 cash if u find the right place.
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Jan 3, 2020 20:54
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how to become a landowner in 3 emojis or less: 🔪👶🏾🩸
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Jan 3, 2020 20:56
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Very carefully
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Jan 3, 2020 20:58
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use public records to locate a local landowner elder with no living relatives and con them the old fashioned or new fashioned way
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Jan 3, 2020 21:01
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you could also stalk death announcements to look for someone with a destitute family who needs money to cover the funeral that you can grift
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Jan 3, 2020 21:02
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bunkers are the only safe housing option in these trying times
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Jan 3, 2020 21:03
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logikv9 posted:bunkers are the only safe housing option in these trying times have you considered trying to talk a bunch of goons into chipping in to buy you an abandoned nuclear silo?
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Jan 3, 2020 21:03
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if I were you I would simply choose to benefit from substantial intergenerational wealth transfer e: realtalk though it as mentioned before it very much depends on where you live, 100k AGI + no substantial savings can mean anything from easily being able to afford a decent house to needing to make substantial compromises (crackshack in bad location or condo) to being completely priced out of the market LGD has issued a correction as of 21:12 on Jan 3, 2020 |
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Jan 3, 2020 21:05
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logikv9 posted:bunkers are the only safe housing option in these trying times can i just call antifa hq and requisition one or is there a form to fill out
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Jan 3, 2020 21:08
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Work hard to accumulate good Karma for your next life.
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Jan 3, 2020 21:08
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Al! posted:how to become a landowner in 3 emojis or less: I misconstrued the instructions and now there are several babies brandishing knives running around on fire chasing me and my cats help
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Jan 3, 2020 21:09
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just live on BLM land you moron, you complete idiot
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Jan 3, 2020 21:19
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The Saucer Hovers posted:just live on BLM land you moron, you complete idiot from the native perspective, the united states were well ahead of airbnb gentrification
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Jan 3, 2020 21:24
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LGD posted:e: realtalk though it as mentioned before it very much depends on where you live, 100k AGI + no substantial savings can mean anything from easily being able to afford a decent house to needing to make substantial compromises (crackshack in bad location or condo) to being completely priced out of the market Where we live flipped ranch houses right next to public transit stops are selling for $200k (and sitting on the market for months at a time at that price) and seemingly well-maintained but dated houses of all sorts are in the 120-170k range (which is honestly preferable because i hate anyone who takes advice from someone named chip) The question is more, how do FHA loans work, how important is first-time homebuyers counseling, and what other things should we be taking into account here that i am not thinking about.
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Jan 3, 2020 21:32
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buy land in nowhere alaska and build your home by hand op
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Jan 3, 2020 21:37
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google adverse possession and use maps to find prepper properties that sit abandoned
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Jan 3, 2020 22:07
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yea get a rich dad
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Jan 3, 2020 22:11
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my new dog posted:yea get a rich dad
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Jan 3, 2020 22:19
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corgski posted:Where we live flipped ranch houses right next to public transit stops are selling for $200k (and sitting on the market for months at a time at that price) and seemingly well-maintained but dated houses of all sorts are in the 120-170k range (which is honestly preferable because i hate anyone who takes advice from someone named chip) oh then yeah you're probably golden, those should be affordable even with PMI and I would point out that your other two questions are probably things that first-time homebuyer education courses (and some of the many, many, many books on the subject) could help with! more than randos on a shitposting forum anyway tbh my home buying experience is probably not helpful to you given the differences between our respective real-estate markets (despite having purchased a slightly updated mid-70's ranch right next to a public transit stop), basically do some research, figure out what your budget actually is, go get pre-approved for a loan, and then go look at houses you can afford (boring I know) obv don't be afraid to walk away if poo poo seems shady, but while you're probably in a position to be somewhat picky I'll still say that you shouldn't be afraid to say yes if you find something you like and can afford - we bought the literal first house we seriously looked at and love it (we'd been examining listings for a long time and had gone and seen a few condos, but we got in to see it the day before the open house, then went and looked at several other seemingly reasonable options in our price range and went "hey that first one was massively better and while I don't know why someone decided to paint the kitchen a color named "Magician's Cloak" we should go make an offer ASAP!") LGD has issued a correction as of 22:23 on Jan 3, 2020 |
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Jan 3, 2020 22:19
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Wakko posted:google adverse possession and use maps to find prepper properties that sit abandoned but make sure to bring a mine detector
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Jan 3, 2020 22:20
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serious advice if it’s a property owned by someone who flips houses look deeply into their past work because chances are good all of their work is done with the same bulk bargain bin hardware and all the old plumbing has been filled in with rocks and none of the construction was done by a licensed tradesperson with the proper permits. flipping ranch houses from the 50-70s is easy money and mostly done by scumbags.
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Jan 3, 2020 23:10
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Jan 3, 2020 23:10
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Wakko posted:google adverse possession and use maps to find prepper properties that sit abandoned well that is certainly one way to expand our firearm collection hmmm maybe a future antifa cult compound is what we should be purchasing instead
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Jan 4, 2020 07:22
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Chillgamesh posted:1st things 1st, don’t be poor
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Jan 4, 2020 07:44
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very carefully
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Jan 4, 2020 07:45
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