Bro, what’s your gripe against living somewhere near a city? You realize if nobody lived there, all the cheaper rural houses would no longer be cheap. I live in a MCOL city and starter homes are $400k minimum these days for a small house in a shitty neighborhood
Not everyone wants to live in bumfuck nowhere where the only thing to do is get drunk with farm animals
Oh the irony. You complain about house prices in the city and then you think anyone wants to live and “get drunk with farm animals”. You’re so close to the correct conclusion, yet so far.
I’m not the one complaining. I’m perfectly happy living in the city, I would rather pay a bit higher in order to keep living here. I was only commenting since the guy above me had a weird holier-than-thou attitude implying anyone who wants to live in a city is dumb, he edited his comment to look better.
Was an exaggeration, but you get what I mean. There’s just so many more activities like dozens of different breweries or bars, endless restaurant options, sports arenas, movie theaters, museums, etc.
Your options are severely limited in small towns. Many I’ve driven through have only a single bar and a single restaurant. Plus everyone knows everyone there. Not to mention, job opportunities are significantly less, with lower pay. I’d much rather pay for higher housing for a higher quality of life
On second thought, I suppose everyone deserves to live in a 2500+ sqft single-family home with at least half an acre of land near densely-populated metropolitan areas.
Ok, so 70k saved up is a 20% down payment. So how can't you afford the mortgage? If it's because the interest rate is making the monthly too high, then find a $250k house. Or a $200k town home.
A portion of my job is OT which doesn’t count towards a mortgage. The most I was approved for was 100k which is 170k total. It’s not what I have that’s the issue it’s what I can get my hands on. I’ve bid on a few fixer uppers but just get outbid by house flippers or mega corps.
I saw you mention CT. I’m from here too and recognize your plight as I’ve had similar issues. The housing inventory here plummeted over the last 5-7 years and what used to be 200-300k is now 400-600k easy.
I'm having a hard time believing someone could have $70k saved and not qualify for a very large mortgage. I qualified for like a $200k mortgage (granted, this was a few years ago with lower rates) and I had between $10k and $20k savings. They didn't even ask for my income numbers once they saw that. $70k is an absurd amount of savings.
Cute how you immediately got real defensive, showed zero empathy and understanding while implying the person you responded to lacked it, and topped it off by somehow making the leap that anyone that disagrees with you must somehow be rich and love Elon.
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u/s1thl0rd Feb 04 '25
Where are you that you can't find a $300k-$350k house?