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I talk with clients every single day who have been priced out of the market here in Utah. They often complain about investors, out of state move in's, etc etc driving up the prices...I tell them exactly what I'm telling you. Their options are, if they want to live here, to continue renting and just accept that, or they can either make more money and/or save more money for a larger down payment...or...They can look at relocating to a cheaper market. And my motor skills function perfectly fine, thank you.
I don't see how you can say those homes I posted (from Cedar Rapids, to Birmingham) aren't "move in ready". I don't know the neighborhoods, but those houses look as move in ready as the home I live in now. If those aren't move in ready by your standards, then I'll go back to saying that you just have unreasonable expectations.
And on your map...looks to me like the homes in the "frowny face" neighborhood are all closer to, or under, $100K, which is likely due to the location if I'm reading what you're saying correctly? And if you look, there are homes that have sold, under $175K, to the South and West of the line you drew...so it is possible, even in your town, to get a home under $175K...in a "smiley face" neighborhood even (or are those homes not move in ready because they only used half inch pad under the carpet, the tile wasn't flown in from France, and the door knobs aren't even real gold?)
So are you saying that you picked a career that is only in demand in the highest priced real estate markets in the country? And then doesn't pay enough to afford a home in those markets? Forgive me, but you sound just a little bit like the liberal arts major complaining he can't afford to pay his student loans.
Never mind your childish stereotypes of the south...good thing you're content to rent on your high horse in the North West...
So ONE, of the eight, homes I found in a two minute search on Zillow, is a foreclosure where the the list price is likely the estimated value of the home? Is that a problem? Or are you pointing that out as a good thing?
Titan, have you thought of anything outside of "owning a home" with your perspective? Have you ever considered complete quality of life? Do you realize how shitty and boring some of these lower cost areas are? It's pretty common on vital for people giving advice to be the biggest fans of their own advice but geez, tone it down a bit.
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Of course I think about quality of life...but we were specifically talking about home ownership. So that is what I'm posting about. If someone wants to bring up overall quality of life, then I'm very happy to talk about that, and of course, home ownership may not necessarily be the most important thing.
I only looked at the 2 in Texas, because I am in Texas. The list price for that home is fictitious, that is all I was pointing out
That house would be close to $300K here...........
Well this thread is moving along quite nicely.
Back to the topic
I’m in my late 20’s and have been working in the trades since I was 18. To be honest, I’m over it.
I don’t know if it’s just the way companies are nowadays, but I feel like the ones that pay decent money ($24+) want to own your life and tell you how to live your life in and out of work.
Smaller companies that are nicer to work for don’t pay shit ($20ish an hour)
I’m starting my own business on the side this spring and hopefully transitioning into that full time before I turn 30.
It’s just not worth it working for someone else anymore. They don’t give a shit about the employee anymore. The wages haven’t kept up with inflation. And it’s like we are more disposable than ever. Screw this, I’ll go work for me, make money on my time. I bet I’ll be thanking myself 5 years from now.
Rant over 😁
"want to own your life and tell you how to live your life in and out of work", I believe this is the definition of the word "dedication". Welcome to owning a business friend. Or to be successful at many things. I believe a concept not taught to many is that many things require sacrifice and dedication. Owning a business is often one of these things. I genuinely wish you well in your business venture, the world needs more entrepreneurs. But don't think for a moment that your business will not want to "own your life and tell you how to live your life in and out of work", at least at the start. And keep in mind as well one the biggest benefactors of your business if you gain success will be the federal government. In my decades in business the biggest benefactor of my efforts is not my kids or family, but the feds overall. It is worth the effort if you love what you do, but it is not all roses and unicorns. Lots of sleepless nights, lots of people paid before you get paid, lots of rejection. Take VERY good care of the money you can keep, you will need it.
He'll own himself. Big difference. I swear everyone thinks people under 40 are just lazy or something lol. We don't want to be beholden to other individuals.
You've just got all the answers lol. You should offer life advice audits for people. You could do it long distance too because that would alleviate your need to actually understand what people are facing and allow you to remain indignant that you know what they need. Also, you cant get choked through the phone which will help you stay in business lmao.
The one thing that most know it all's don't know is that they're know it all's
I feel bad for the younger people out there today trying to work hard, save money, buy a house, and get the "American dream" ie: a place they own with no fear of being kicked out by the owner or their rent raised beyond what they can afford, just basic stability I guess ? The idea that "Someday" they'll be able to actually retire and quit working and relax around the yard and tinker in the garage, maybe even go on vacation once a year or so, not freaking panic if their car takes a shit or they need a roof etc. It's all most of the young people I know want. I don't know about other parts of the country but here in So. Cal. that goal is harder to achieve than any time in history. I don't know what the answer is I really don't. But I see my nephews and kids and their friends working their asses off, getting in a position to afford a place, somehow saving over 50K while paying stupid high rent, making well over 100K combined a year, pre qualifying for a 650 to 750 thousand dollar home all on their own, and then making offers on house after house after fucking house only to be outbid every fucking time by someone or some business who has no intention of trying to buy a house to live in. Cash offers over asking. I mean wtf....... you guys out there dealing with this crap ? I get it man I feel for you and I hope you come across the dumb luck it seems to take to reach that goal. All they want is the same opportunity's all the generations before them had. Telling them to move to another part of the country or work harder and make more etc. doesn't help. They ARE working hard, harder than most people in their 50's and 60's had to. The condescending attitude of you're not working hard enough or you should move is hard to listen to. I worked at night while I was building up my route, clean pools from 7am to 2;30, then worked nights from 3 to 11;30pm for a few years before I made the leap to 100% self employed. I got totally lucky and was able to buy a home I can afford. And I do mean "Lucky" I see young kids working just as hard as any other generation but home ownership keeps getting harder and harder to achieve since buying a home has become a business for some, rather than a place to live. Again I don't know what the answer is and I truly hope the young families out there busting their asses to own their own home succeed. The young kids (in their 30'3) trying to get there have checked all the boxes we had to, but it's a different game now. And I'm sticking to my story fuck house flippers
. Ok time to get back to my business that owns my ass and takes up every waking minute of my days LOL. Good luck fuckers I hope you all get there peace out.
Good advice buddy. Thank you. I will say, if my business owns me for a while, that’s fine. I don’t have a girlfriend, wife, family. I’m all me. Plenty of time to dedicate to my building something from the ground up. It sucks that I won’t be able to ride dirtbikes with my friends as much, but that’s a temporary sacrifice I’m going to have to make. Not like I’m ever gonna make $ on my dirtbike. Just average C class guy.
I do get what you’re saying though. I’ll have to experience it all for myself to completely understand. I’m super excited for this journey though, 2023 is going to be a massive year. Lots of grinding ahead of me. Again, thank you for the advice. I’m sure I’ll be able to relate in the years to come.
I absolutely love your attitude about this...you don't like the situation you're in, you don't feel you're treated fairly by employers, you don't feel like you are paid enough...so...you are taking personal responsibility for your situation, and controlling what you can control, and taking action...not standing around feeling bad for yourself and complaining, while expecting the world around you to change to suit what you want. Awesome! I applaud you. And wish you the best. Starting a business is no joke, it's hard, it's risky, but its so rewarding. With your attitude I'm sure you've got what it takes to make it succeed.
I'm a bit over a year into starting another business myself (just an idea that I developed which I've been using in my mortgage business that SIGNIFICANTLY moved the needle for me and my team, and after colleagues and even competitors asking to use it, I decided to take it to market rather than keep it to myself)...if I could give you some advice...everything will take longer than you think it will, and cost more than you expect. There will ALWAYS be detractors...ignore them. There will always be speed bumps, hiccups, road blocks and hurdles...don't let them detract you. Network, Network, Network. And grind, grind, grind...Enjoy the Ride!
lol get off your high horse. This market has been devastating to people trying to buy a home.
You can't expect people to be okay with overpaying for a house in a shitty area just for the sake of buying a house.
In the matter of a few months people went from being able to buy their first home, to being priced out of the market. It's not as simple for people to just change their financial situation that drastically to be able to tack on $$$$ to their budget.
Your advice is to move to a less desirable area? Usually that comes with higher crime, worse school and plenty other negatives.That's terrible advice.
I wouldn't take a 10k bike loan from you... You sound like that guy that says dishonest shit to his clients just to get them into a mortgage.
Okay...again...and for the last time...
I didn't say, and have never said, to move to a "less desirable area" (with high crime, bad schools) just to buy a house...I said move to a cheaper market...and cheaper markets don't necessarily have bad schools and higher crime...but they do come with lower housing costs.
Look at it like this (I haven't researched these cities, they are just examples I pulled out of the air), a great neighborhood in-for example-Birmingham, Alabama (with low crime, great schools) is probably going to be less expensive/comparably priced to a bad neighborhood in-say-The Bay Area (with high crime, and awful schools)...So I'm absolutely NOT saying move to the worst neighborhood of The Bay area (figuratively) just to buy a house...I'm saying if buying a home is a goal and priority for someone, and they can't afford to own a home in The Bay Area, they could move to a great neighborhood in Birmingham (figuratively), live in a low crime area, with great schools AND be able to own a home. Or, just be content renting, and live in the Bay Area and there is nothing wrong with that.
I'm simply stating facts relative to the reality of the current housing market...
As for the dig at my professionalism, credibility and integrity. It's baseless, uncalled for, and way way way off the mark. I've built my mortgage business exclusively on a referral based business model (I don't buy leads, and I don't advertise...there isn't even a sign on my office building...if someone isn't referred to me they don't know that I exist)...I wouldn't be in business if I was giving bad advice and being dishonest and just trying to get my clients into a mortgage (they'd never call me back and they'd never refer friends, family, and co-workers and I'd be out of business). I'll leave it at that.
Someone gets it.
Pit Row
Move cross country. That’s rational. 🤡
There are cheaper markets much closer to the west coast than Alabama...besides, like I said in that post, I just pulled those cities out of the air. Don't get tripped up on a figurative, unresearched, example...
Anyway, people relocate across the country all the time (I had some good friends just move to Puerto Rico, another friend of mine moved to Florida)...not unheard of to move across the country...
But didn't you say you moved cross country (South to North)...From SoCal to the North West...for your career? So apparently moving cross country is rational to you? Since you already did it?
You all can down vote all you want, I couldn't care less...but all I know...if I couldn't afford to live the life I wanted (and home ownership is important to me, I would want to live where I could afford to own a home) where I currently lived...I, personally, would have no issue AT ALL relocating to a place I could...or, if I didn't want to (or couldn't) relocate for some reason, I, personally, would figure out a way to make more money. And one thing is for SURE, I wouldn't sit around and complain about home values while expecting the world to change to suit my budget-the world doesn't revolve around me-(and its even worse to complain about home values while CHOOSING to live in one of the most expensive markets in the entire country).
I get your point. Apologies for yesterday but, your tone although tough to interpret in a text, comes off as condescending in many cases.
I moved to the PNW in 98 to get established in my trade. 08 hit, shit went sideways, I followed the work to Seattle ultimately after, freezing my ass off working on Mt Rainier for a year long project.
I’m established here. Career wise, family, friends, everything I enjoy is here. Fishing, hunting, diving, riding as well.
After finally getting into a position to buy a house, my wife got cancer in 2015.
Couple treatment with monthly bills, we scraped by. She recovered. I started saving again. We were in a great position to purchase a house in 2020 then covid hit. Everything skyrocketed.
300k houses (really nice houses) became 650-700K houses. There’s highs and, lows with real estate.
I’m waiting for another low. Renting although not ideal, is my best option for now. I’m paying less in rent for this 4 br house then I would a 1 bedroom apartment currently. It gives me time to continue saving for a larger down payment while watching the market.
Could I go buy a shit box. Sure. Meanwhile, the market here is dropping. I would be foolish to not hold out a bit longer.
On another note, I pulled my wife away from her family moving here, as work became non existent in Oregon. I refuse to pull her away a second time and away from the kids chasing cheaper real estate. Career wise, I’m a commercial plumber specializing in medical gas and cryogenics. Seattle although more expensive then many other places, is cheaper then many. California included. Houses are nearly half of what California is while wages are nearly double.
Believe me, I’ve checked because I hate the FN rain here.
There’s my return to being civil while, giving you my explanation for sticking it out here. Being practical, isn’t complaining. At least for myself. It’s being realistic while trying to maintain a certain level of optimism. Do I think a 200-300k increase in housing within two years is BULLSHIT? Absolutely.
fuck I wish
You want Malcom Smith for president, you get it...
while some of you seem to be getting a bit defensive about what titan is saying, I think there is some truth to it.
He doesn't come across to me as one that would lie to somebody to get their financing. Instead I think he might tell them they are getting in over their heads, and that is what a lot of them need to hear.
maybe some are too young to remember 2008. That mess was caused by mortgages being made to people that had no business getting them, and bought way more house than what they could ever afford.
Now with prices rising so sharply, the government will once again get involved in helping people that cant afford them buy their "dream homes. The economy will have a little hiccup and foreclosures will go through the roof, again.
The ones I know in this boat are thinking more foot in the door than dream home. I'm not going to pretend to understand how it all works but no matter how much home prices go up and down, over the long haul its a gradual climb up. They just want something they can afford the monthly nut on to get onboard the "pay mortgage instead of rent" plan without having to re-locate and re-establish themselves somewhere else. The way it is now if they get a halfway decent down payment their mortgage will probably be the same if not less than they're paying for rent. They're smart enough to not get in over their head, I hope... lol Not trying to complain about it, just observing what I see with 2 young couples in that boat. Our nephew actually got a cool place for a decent price, they said they looked at around 90 homes and made multiple offers before they scored a decent deal. There's deals out there still but they're few and far between.
I've never meant to be condescending...snarky, at times? Absolutely...
I truly do understand that its difficult right now...I see the defeat in peoples faces every day as I talk to them about the economic reality of buying a home in this market. I'm not heartless, and I don't revel in their defeat (in fact their defeat is my defeat, because I lose business).
When I'm asked by someone who has been priced out of market, what their options are to buy a home? Make more money, save more money for a down payment, or relocate to a cheaper market....or...continue renting (and hope values/rates will drop).
It's human nature to point fingers, and blame someone/something for the situation...but the world doesn't revolve around me-or any other individual-so I don't see any point in trying to place blame. Values jumped because of supply and demand, and record low interest rates. It is what it is. Personally, I try and be proactive to the situation and figure out what I can do to create a solution given the circumstances that are beyond my control, rather than point fingers and blame...and I respect that in other people.
You're solution is to stay were you're at (and your reasons are as valid as anything) and to keep renting and wait it out...that sounds like a great plan.
Sorry about the cancer...cancer sucks!
For reference, this is on a small lot, less than 9k sq ft.
🤣🤣🤣
💨💨🌲🌲
I actually had to drive by it today to make sure that it wasn’t one of those little Fisher Price houses for toddlers…..
It’s a tiny house from a long time before tiny houses were the fad of the year.
400K for a house that looks worse inside then out. Pay way over asking plus, another 150K for a full gut remodel. Pretty much sums up the current market.
Post a reply to: Mike Rowe. Blue collar .etc.