I posted previously about looking for a house for my disabled partner and myself and after several stressful months we're closing on April 30th!

So, now what? I'm working on home insurance quotes, I have the money arranged for closing. We're in the "these issues need addressed" phase of the contract process (there are no smoke detectors in this house wtf) and the home inspection raised no dealbreakers. No radon or termites.

So what don't I know about? What new homeowner things do I need to be thinking about now? We plan to move in the latter half of May. Accessibility suggestions are also useful, we're going to have to add a small ramp inside (one step), move a cabinet in the kitchen and replace carpet in the master bedroom.

Thanks for all the advice last time, please give me more of it?

I'm starting the process of looking to buy a house. My partner uses a power wheelchair and anything we buy is going to need to be accessible or modifiable. So I know we're looking for a ranch, probably 3/2 at most is what will be affordable but I'm finalizing my pre-approval now.

That said... I'm almost 40 and I've never bought a house before. What are some things I need to know when looking at a house? I have a realtor and we're looking at our first place tomorrow. I'm bringing a measuring tape because the accessibility will matter.
But I don't even know where to start and what the normal questions are!

My mother died last month and I've been thinking of leaving my father's house ever since then. I initially thought I'd be okay with doing that, regardless of whether or not my father would object, but he talked with me last night saying he'd be okay if I left and now I'm FREAKING OUT.

Background: I'm 23 and living in Houston, Texas. I have an older brother who lives in Dallas who offered to take me in, but it wouldn't be very permanent as he plans on leaving the country for a trip next year and will be gone for some time. I also have a friend from high school who offered me a room, but she lives in Seattle and was fired from her job. No one else who is close to me is able to offer me a place to stay.

My concerns: I dropped out of college. I was planning on going back but then my mother died and that plan was put on hold, so I don't have any marketable skills (I've only ever worked in retail). I also don't have a job lined up anywhere else. I've never had to take on so many bills at one time and therefore I don't know much about budgeting.

I'd like to leave, but where I am it's secure and comfy. Maybe it's finally time I pushed myself out of my comfort zone and start taking control of my own life, but I don't want to risk my safety and finances on a crazy idea.

I welcome any and all advice, and thanks for reading.

edit: changed a word

I graduated in the spring and spent the last few months at home with family. I'm hoping to find an apartment/job in a major US city working as a legal assistant or paralegal.

I've never rented before, so I have questions, but due to circumstances related to the ones pushing me away from staying at home any longer, I don't have any parents or older siblings to ask for help, so I'm hoping to crowdsource wisdom here. I have specific questions, but also happy to hear any general advice for someone renting an apartment for the first time.

Some relevant context:

• Studio apartment is nonnegotiable. I don't know anyone I trust enough to be my roommate. If that weren't enough, I'm one of the only people still wearing a mask and trying not to get COVID, so it's gotta be a studio for me to be able to relax.
• I'm looking for a walkable neighborhood and good public transit in addition to affordability, so really looking at Chicago and Philly right now.
• I love to cook, but I know studios often have really lackluster kitchens. Hoping to find one with a usable amount of counterspace.

Those questions I had:

1. If you offer to pay a landlord the cost of the lease in full, is it typical for the landlord to waive the requirement that you provide proof of employment, or if you asked them to waive that, would they be likely to say yes? I would really like to take some time off, and coming home was intended to be that, but toxic family means I've just been stressed the whole time, so being able to get a place without needing a job right off the bat would be a fantastic setup to make sure this new start goes well. (If I save up part-time earnings for the next 2-3 months, I'll have enough to pay a lease on a $1200 studio in full, furnish it with the necessities, and feed myself.)

2. Recently I realized that when apartments are listed as unfurnished, that means no bed or mattress either. (I kind of see now why futons are a thing.) How do people usually address this issue? Do you buy a mattress and bed frame with the expectation that you'll take it with you whenever you move out to the next apartment?

3. Since I don't live in the city I'll be moving to, I most likely won't be able to see the apartment in person before committing. Any particular ideas on how I could handle this or what I should be wary of? I've heard of services where you can pay someone to show up to a tour and video call you so you can follow along (https://www.gandertour.com/). $50 doesn't seem too steep, but I don't know if that specific service is trustworthy, or if there's a cheaper or simpler way to deal with this.

Those are my questions, and like I said above, any advice not 100% related to these questions is welcome too!

Hi all,

Yesterday I got the good news from my work that my remote work assignment is now permanent and I am free to live and work anywhere in the US. I get to keep my salary so really any place is on the table for me and I wanted to get some feedback and advice from those who live or have lived across the US.

While I would personally be content moving to the middle of nowhere, my partner has been aching to get out of the suburbs of the Bay area and be around more people and things to do that wouldn't require her to drive places. Personally, I'm looking to take my rent price down to a maximum of ~$2100 per month for a 2 bedroom that will give us enough space to each do our remote work. Some places that I have been looking at are:

• San Diego, CA - not so affordable but has great dog beaches and vibrant downtown
• Chattanooga, TN - affordable but small for my partner and lacks the restaurant variety we have grown accustomed to in CA. Knoxville, TN may be a runner up.
• Kansas City, MO - I have nephews that I have neglected being a part of their life and this would put me within 30 minutes of being close to them. Apartments are dirt cheap in downtown.
• Richmond, VA - closer to my parents but haven't looked too into this. I grew up on the complete other side of VA but am willing to come back to the state .
• Chicago, IL - this place is massive and I have no idea what are the best places in the city to live vs. what to avoid. I have always heard Chicago is underrated and I'm not opposed to the cold. I like that they have tons to do but it isn't really close to family as I would like to be.

Anyways, I'm open to hearing about some underrated places and putting some time into researching them. Walkability and things to do are critical in selling the city to my partner who really doesn't want to drive to do anything.

I'm deciding between home/condo ownership. A good condo/house cost roughly the same in my area. But I'm single and don't need a lot of space, so a condo makes sense. However, noise from neighbors is puts me off (a lot). Constantly hearing noise (parties, stomping, pets, etc.) would have a serious negative impact on what's supposed to be a home where you can relax and not deal with the world.

What are/were your experiences? Did the HOA do their diligence when things break or need maintenance? Are their costs reasonable considering how much is needed (time+money) to maintain a house? Was the heated parking garage worth the costs?

I'm a 23 year old male originally from Southern California, and like the title says I'm curious to see if anyone else near my demographic has seriously looked into emmigrating in light of the past year and a half.

What factors motivate you to move?
What would be an ideal location for you?
What timeline would are you looking at?

One of the main motivators I seek to emmigrate is climate change. As the world continues to progress and evolve I do not think the United States will be able to equitabbly address the changing landscape and ways of life. As for when I would want to move, I'm not sure; currently it seems like a far off probability, but I know it's a choice I will have to make in my own lifetime.

I'm in the market for a house, been looking pretty seriously for the past week or so. I've got two pre-approvals for mortgages, and I think I'll probably look for at least two more for fee comparison purposes. I have yet to actually see a house unfortunately, since every house we try to view gets sold that very same day :/ Hopefully the streak is broken, since we have an appointment with another house today!

Anyway, who here has advice for (any part of the process of) buying a house? Things to look for when viewing a house, things to consider that the common person might not, tips for making offers, tips for not giving up because of the market, etc.

I'll lead with some tidbits that I've gained from asking around friends and family that have already bought places recently.

1. Apparently, sending a personal letter to the owners with the offer letter has gotten multiple people a house even when their offer wasn't the highest. For example, my sisters friend knew the owners had a cat, and has cats herself. So in the letter she wrote, she mentioned how happy her cats would be laying on the windows and running around in all the new space and such.... and she got it! The owners realtor was kinda pissed.

2. Try to find out the reason the owners are moving out. My sister and her husbands realtor asked around, and they were able to close on their house because the owner needed a quick turnaround to get out as fast as possible. They got the house for 60K under asking price because they were able to sweeten the deal to suit the owner.

3. Location is (generally) more important than furnishings. You can add or remove things from a house, but you can't move it once you buy it.

4. Once you make an offer on a house and the owner accepts, make sure the contract includes the following two parts that are (apparently) very important:

   • House must appraise for at least the same value you've agreed to buy it at
   • Inspection must show no more than $buyer_defined_value dollars of necessary repairs, otherwise the deal should be re-negotiated or considered void.

5. Always leave enough money in your savings account to pay for any extras (because there are always extras) after the house is yours. New furniture, carpets, smaller repairs, paint, etc. You don't want to drain your account for the house only to find out you can't do anything afterwards.

I'm very excited (and exhausted already), but I want to make sure I'm as thorough as possible since I'll be spending the next several years of my life in it!

Forgot to mention(Thanks @Thra11), this is the US East Coast.

I'm a young single adult with a fairly well paying remote job. I've been in my career for almost 4 years now and have saved up a decent chunk of money through investing and saving.

My game plan was to use the "market crash" that everyone was predicting in 2023 to try and make a stab at purchasing a home. When the interest rates spiked I thought it was a great sign for me because I thought for sure that housing prices would fall accordingly, jokes on me though because several months later homes in my area have barely gone down in price at all and even closer to town in nicer areas prices continue to climb.

Not only that but the only real thing the rate hikes have done for me personally is make what was looking like a modest mortgage payment suddenly become far less affordable, even with my very low personal spending.

Is anyone else in a similar situation? Are we doomed to rent forever? Should I move out to the boonies where it seems like that's the only place left with non-insane housing prices?

I look at Zillow and houses in my area that sold for 200k~ less than 5 years ago are now on the market for 400k-500k. It feels like anyone who didn't get in back then is just completely screwed

/rant

Just coming back into the rental market after owning a home for a short time. I found a place that would be great. Then, I got the lease.

This thing is a nightmare. Here are a few of the greatest hits:

• The lease lists my rent and then says they can charge "additional rent" which is "all added charges, costs, and fees for the duration of this lease." So, sounds like they can just make up a number and add it to the rent and I have to pay it?
• The landlord will make a "good faith effort" to make the apartment available to me when my lease starts. Shouldn't the landlord actually do that, not just make any sort of "effort" to do it, "good faith" or otherwise?
• If the unit is damaged such that I cannot live there while repairs are being made, the landlord "may" issue me a credit for the days I can't live there. What criteria will the landlord use? If they decide not to, that means I'll be paying rent for an apartment I cannot occupy?

This is a short lease — I've seen much longer in my time renting — but even so, I could come up with a dozen more examples like this. What is going on here? I've read the law in the area, and I suspect some of the clauses in here are actually unenforceable. For example, the lease allows for automatic rent increases at lease renewal without notification while the law requires 60 days notification, and it requires me to notify 14 days after notification of a rent increase if I do not accept where the law says I have 30 days to do so.

But how did we get here? I just want to pay a specified amount every month in order to be able to live in a space someone else owns. This should be relatively simple, but it's turned into this weird whack-a-mole game where every lease is a document of all that landlord's past tenant grievances they are trying to now avoid in the future, along with any other unreasonable terms they think they can get away with. Regardless of what the law is, the lease can say anything. If I read it and decline to sign, the next person will probably just sign it and hope for the best.

For those of you who are renting, how do you deal with this sort of stuff? Are there reasonable landlords still out there? Is the right way to buy a home just to escape from unreasonable lease terms, even if you don't really want to own?

Update: Possibly important context- This property is in Philadelphia, Pennsylvania.

Living in northern Virginia, it seems like half of newly-constructed homes are earmarked for "active adult" 55 and up communities.

Is there a financial incentive above and beyond normal residential construction that these are popping up more?

It seems like a newer trend that's picked up in the last 5 or 10 years.

Edit 1: Thank you all for the input and sharing your perspective. It's just been a question hanging in the back of my mind as I've been driving around in recent months.

My spouse and I were recently pre approved for a home loan; this evening, we will be going to look at a house for the first time. This will be our first house, and unless truly extenuating circumstances arise, we will not be looking to move or sell anytime soon.

There are plenty of existing threads and articles covering things to look for in terms of the state of the house itself, such as foundation cracks, new paint covering mold, water damage, etc; what I am looking for is more a question of things to consider potentially liking or disliking about a home, regardless of its state of repair, that we might not think of until it's too late.

For example, some things I've come across that are important and can't be changed about a house, but I wouldn't have thought to consider if I hadn't seen someone else mention them, include:

• whether we get good cell service when not using wi-fi
• whether the hallway is wide enough to move large furniture through
• what direction the house faces, and subsequently when/where light comes in

What other things might be easy to overlook about a property, but should be taken into account?

The US emigration thread brought back a lot of thoughts I've had about leaving the UK, and I imagine a decent number of us have at least idly wondered about a serious move - especially after a year like we've just had.

For me, the difficulty has always been figuring out where to go: politics/climate/healthcare/lifestyle/language are a delicate balancing act, and I don't think anywhere's a slam dunk. Everyone's going to have their own take on what perfect looks like, and what compromises to make mapping that to the real world!

So let's assume you're packed and ready to go, nothing holding you back. You've still got to navigate inbound immigration, handle the language, find a job, all that good stuff - but the world is your oyster. Where would you choose to go?

Do you guys think they're using rate increases to kill off all the overleveraged homeowners in an effort to create a sell-off and thereby lower housing costs?

Could someone smarter than I please explain what is going on... or is our inflation that bad? Seems like some of the inflation might be what I've read as greedflation. I didn't realize we jumped almost 3.75% in less than a year last year...

I’m attending college this fall and moving cross country for this move. I wanted to ask everyone who’s currently in college or graduated not too long ago on whether if it’s worth it to stay on-campus in the dorms.

I heard you get assigned a roommate and some dorms, depending on which one you get, can have 1-3 additional roommates.

I’ve always had my own room and the closest thing I’ve had to a roommate was my little sister…but she had her own room as well.

I know staying on campus it’s easier to get to class and I get to live the traditional college experience. I don’t mind having a roommate but I heard if you have a shitty one, it’s not gonna be fun.

The perks of having your own apartment you get the ability of having your own space and doing whatever you want with no dorm monitors right? Only downside is paying rent?

If you have any insight or experience to share I'd love to hear them! 🙏