• Cryophilia@lemmy.world
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    5 months ago

    Rent control is also pretty robust, so while it’s painful at first, over time renting gets easier relative to inflation. I think renting is still financially optimal over buying in most areas, and that’s before considering roommates.

    But yes. They don’t call it a housing crisis for nothin

    • corsicanguppy@lemmy.ca
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      5 months ago

      There are several sites out there that compare

      • mortgage, borrowing costs, repair costs, property tax, a fund for known maintenance, a fund for repairs that insurance won’t cover without penalizing you more, and home resale value

      • paying stupid rent and putting the difference from that above into the dumbest of minimally-performing stocks.

      After 5/10/20 years, we pretend we’re gonna cash out from both options and compare cash on hand after each.

      There are really few scenarios where the bungalow owner comes out ahead.