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?

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?

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.

In the next few months, I'm going to be on the rental market again for the first time in a couple of years. The last time I rented, I lucked into a very nice condo that was being rented out by the owner, and it was fantastic. We developed a great rapport. I looked after the place and paid the rent on time. She was kind and responsive whenever I had a problem. It felt like we were both getting exactly what we needed out of the arrangement.

She wanted to raise the rent when my lease renewed, but it was a very reasonable ask to cover an increase in her HOA fees. It was significantly less any increase than I had been subjected to on any prior lease renewal, which I appreciated.

After experiencing this, I decided I was done with corporate landlords who use algorithms (i.e., price fixing) to make sure they're extracting as much cash as possible and churning through tenants as they progressively price out more and more people without any regard for them and with no connection to the communities they're hollowing out on the way to more profit.

I ended up leaving that condo for a reason unrelated to the rent increase, and I'm trying to find a similar setup again… but I'm not sure where to look honestly. Pretty sure I found that place on Craigslist which seems to have since devolved into a playground for scammy "landlords" whose dear old mothers have all come up sick in some far away corner of the country so they can't show me the furnished apartment they're renting for 20% below market rate, but if I'll kindly send the deposit, they'll gladly mail me the keys.

Does anyone have any hot tips for how to find rentals like this in major metropolitan areas in the US?

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

I have the opportunity to purchase a house in a beach town that would double as both a vacation home for myself and a short term rental property. This would be my first foray into the world of short term rentals so I was hoping to get your general advice, guidance, and experience.

I should mention that I think I've got a pretty good grasp on the financial aspects of it, i.e. the mortgage, rental rates, fees to the town and rental platforms, taxes, insurance, etc.

I'm more curious about things such as:

• Do you recommend using an umbrella management company to handle cleaning, maintenance, landscaping, etc. or do you outsource an individual cleaning service, handyman, etc.?
• What type of "filtering" do you recommend to make sure you're renting to people who will respect the property?
• What sort of furniture, linens, etc. do you recommend?
• Are there any gotchas that you didn't expect when getting into this line of work?

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! 🙏

After my lease is up in my current apartment, I am hoping to purchase a home somewhere in the US and am just now in the beginning stages. I'm not too far into my search but am generally looking for 2-3 bedroom with 1.5 bath, a basement, and a decent backyard. My budget is <$250k and I am looking at east Tennessee, North Carolina, Virginia, and maybe Michigan. Fortunately, I work from home and am not terribly dependent on being near a job, but unfortunately it seems like all houses have exploded in price the past 3 years in pretty much every area. It is crazy to look at a house that sold in 2019 for $100k being listed now at the top of my budget at $250k! It kind of makes me want to put in an offer at 65% of the listing price for some of these egregious increases. Especially as the higher interest rates making the house way more expensive than what they originally purchased at when the rates were at all time lows. It seems like the market for a $150k starter home is non-existent for most parts of the country these days.

• Anyways, I was curious who here is a homeowner?

• What is your experience like going from renting to buying, or if you were a homeowner and went back to renting?

• What are some things you wish that you had known to do prior and what advice would you give yourself back then?

• How long did you search and how long are you planning to stay in your home?

• What do you think of the current market dynamics? Is there any hope for prices to come back down to Earth?

• Any other thoughts you want to share?

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 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've moved plenty of times before, but I've been in my current place for 4 years, which is fairly long for me - most of my adult life I've moved every 1 or 2 years. As a result, I'm sure I've forgotten a lot of the "small but important things" about moving, and I've also gotten more settled into this apartment than any previous one I've lived in.

Details, if they matter:

• This is a relatively short move (within the same city, about a 15 minute drive)

• I'm going to be doing all the packing myself, moving small and/or fragile stuff myself, then hiring a moving company for the big stuff (couch, bed, TV, etc) because I don't want to put any of my friends in the position of feeling obligated to come help me move during a pandemic.

• I've hired movers before, but only for a cross-country move. This will be my first time having a moving company for just an in-town move

I found a previous thread about moving, but it was about adjusting to life in a cross-country move. I'm more interested in the logistics of how to make the move itself go smoothly.

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?

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.

Admittedly the forcibly neutral headline should probably be changed.

The video has been unlisted but this is the link. One important thing to note is that he recently made a video satirizing how people pretend your life condition doesn't affect your mental health implies that wasn't satire, which is incredibly concerning.

He deleted the comment where he talks about his landlord but it has been screenshotted here. It's also proof that's actually where he lives.

Someone has unironically compiled how that house violates Canadian/Ontarian legislation

After the house tour, Jregs patreon has spiked to its highest ever, and he has gotten 52 new patrons and 230$ more a month in two days

r/jreg is in some mix of meme-ing and genuine concern.