Mortgage is essentially the same as rent. You've got a couple differences, like, you have more autonomy over the property, you are responsible for fixing your own stuff when it breaks, it requires a down payment and you can't walk away from the monthly payments without finding someone to buy the house, and if you stick with it for a very long time, eventually you can actually own it. I don't see how those differences change anything fundamental, essentially, they own it because their ancestors stole it or bought it from someone who stole it, and you need it to survive, so you gotta pay them. They're just different payment plans, when it comes down to it. Would you rather pay for Spotify or buy music? It's a matter of preference.
And the solution is not for proles to find some fancy new arrangement that makes to most of the scraps we're left with, the solution is redistribute what they stole.
Of course landlording is a means of extracting wealth. I never suggested anything else. Another means of extracting wealth is selling a house to someone who needs it to survive. All I'm saying is "The house always wins."
I don't know that you can call renters who could get a loan to buy a house "corner cases." I don't know what the stats on that would be but it seems like that's a lot of people.
Usually when people can actually afford to buy and choose to rent, it’s because they’re staying short-term, e.g. college students or people who move around for work.
And that's what I'm saying that there are legitimate reasons why some people would prefer to rent rather than to own, I don't think it's clear cut, black and white, one option is inherently better than the other.
Most people can’t afford to buy in the neighborhood they rent in, and landlords hoarding land, driving up its price, is part of that.
That's literally exactly what I've been saying, here and elsewhere. The main issue is the people who own entire apartment buildings and buy and sell houses in cash on a whim as speculative investments. Somebody who has a spare room they're using for a hobby that they decide to clear out and offer up as rent is not part of that shit you're describing. Literally nobody would have a problem with someone having a spare room in their house that they don't need, but the moment they decide to offer it as a place to rent, people here start losing their shit and blaming that person for homelessness. And I'm trying to say, if a person who owns 5% of a house takes on a roommate who they treat respectfully as an equal to help with their mortgage payment, they're not the fucking problem. That's the scenario we were discussing when someone was asking about whether it could be ethical to buy a house and take on a roommate to help afford the mortgage. Literally 100% on the same page about the explotiveness and inequality of the system and the need for structural change and redistribution but people are calling me "pro-landlord" because I tried to offer realistic advice instead of just spamming Mao at them.
Mortgage is essentially the same as rent. You've got a couple differences, like, you have more autonomy over the property, you are responsible for fixing your own stuff when it breaks, it requires a down payment and you can't walk away from the monthly payments without finding someone to buy the house, and if you stick with it for a very long time, eventually you can actually own it. I don't see how those differences change anything fundamental, essentially, they own it because their ancestors stole it or bought it from someone who stole it, and you need it to survive, so you gotta pay them. They're just different payment plans, when it comes down to it. Would you rather pay for Spotify or buy music? It's a matter of preference.
And the solution is not for proles to find some fancy new arrangement that makes to most of the scraps we're left with, the solution is redistribute what they stole.
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Why am I wrong?
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So why doesn't everyone who has the option buy instead of renting? Is buying an objectively better option?
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Of course landlording is a means of extracting wealth. I never suggested anything else. Another means of extracting wealth is selling a house to someone who needs it to survive. All I'm saying is "The house always wins."
I don't know that you can call renters who could get a loan to buy a house "corner cases." I don't know what the stats on that would be but it seems like that's a lot of people.
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And that's what I'm saying that there are legitimate reasons why some people would prefer to rent rather than to own, I don't think it's clear cut, black and white, one option is inherently better than the other.
That's literally exactly what I've been saying, here and elsewhere. The main issue is the people who own entire apartment buildings and buy and sell houses in cash on a whim as speculative investments. Somebody who has a spare room they're using for a hobby that they decide to clear out and offer up as rent is not part of that shit you're describing. Literally nobody would have a problem with someone having a spare room in their house that they don't need, but the moment they decide to offer it as a place to rent, people here start losing their shit and blaming that person for homelessness. And I'm trying to say, if a person who owns 5% of a house takes on a roommate who they treat respectfully as an equal to help with their mortgage payment, they're not the fucking problem. That's the scenario we were discussing when someone was asking about whether it could be ethical to buy a house and take on a roommate to help afford the mortgage. Literally 100% on the same page about the explotiveness and inequality of the system and the need for structural change and redistribution but people are calling me "pro-landlord" because I tried to offer realistic advice instead of just spamming Mao at them.