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this post was submitted on 16 Aug 2024
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No Stupid Questions
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This is close to my belief. Someone has to own the home and they're worth hundreds of thousands of dollars (I'm not getting into the overblown values right now, one step at a time). Since most people don't have $300k+ in cash (US non-metro), then they're not buying it outright. What's the difference between paying rent to a landlord or mortgage to a bank? Both are making a profit and both can kick you out for non-payment (again, one problem at a time). So, given the current state of housing, you can legitimately provide housing at a reasonable price that doesn't require a 50k+ down payment first. I am not a landlord sympathizer, I am not a landlord. I'm just someone still putting 60% of my monthly mortgage payment into the interest accrued just in the last 30 days (read: new homeowner).
Don't be a dick corpo fuck that buys blocks of houses and let's them sit vacant to drive up scarcity. Don't be a flipper that does a cheap reno to turn $30k of improvements into a $150k upsell. Don't do the cheapest repairs to meet code for your tenants.
Public housing. Look at what Finland has done with regards to this topic, and how much it has benefited them.
I look forward to the comments explaining to me why this is impossible in America as if Finland is some magical alternate universe where a mixed-economy works incredibly well.