Atty | Money & Life
Region: US
Friday 26 June 2026 17:41:32 GMT
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user8528489730242 :
But the taxes are in your mortgage. So you’re not calculating correctly. You’re skewing the number.
2026-06-27 02:37:34
6
liked your comment :
I owned a home for 22 years and did this. calculation. my ROI was under 3%. owning a home is a luxury and expensive AF. Renting is cheaper.
2026-06-28 16:26:12
2
Valerie Moreno :
Its worth it longterm, you are going to have to pay for rent regardless, so the time you are living there is not a loss at all, its a roof over your head and you cant get kicked out unless you dont pay your mortgage. You can earn by renting a room, Airbnb during special events, or during high tourism if that applies to your area. You can borrow against your equity if needed. You only lose when you sell low, hold on and sell when the value is high but you can also always just rent it out to a long term renter and not have to pay the mortgage at all.
2026-07-07 00:50:27
1
sbrown :
Yeah but you have to live somewhere so you should add in the money saved on rent to your formula.
2026-06-26 21:42:54
15
cruciferousvegetable :
You’re not going to see a lot of return in 5 years. Home ownership is a long game.
2026-06-26 21:35:47
27
The Aldeia Project :
On a 30 yr loan, the principal you pay monthly only surpasses the interest you pay around year 18. If you're not renting you're making bankers rich, if you're not buying, you're making landlords rich. I think there's a better way.
2026-07-06 19:22:00
1
gfunk2804 :
Must have been a VA loan with $0 down if your closing costs + down payment were $2400
2026-06-27 20:05:23
0
BigTone76 :
Also, you will never see a 3.3 anywhere in the United States right now.
2026-06-27 08:41:38
1
Mikki’s House :
I’d argue you also need to factor in the interest paid that didn’t go towards the loan amount.
2026-06-26 20:52:13
13
dino290921 :
You can’t turn it into a rental??? O wouldn’t let that go
2026-06-30 03:38:02
1
💁🏻♀️Hil & zoo🐖🐕🦜🐈🐐🐓 :
I’ve talked abt investing in real estate and my view but sometimes u find that the particular home just doesn’t fit. Have u considered going back to renting it out. U cd increase what ur getting monthly to put away for expenses and use the rent to pay the mortgage. The interest rate might still be something worth considering instead of selling.
2026-06-27 09:33:40
2
Laura Martin :
How did your house only gain$20k during the biggest housing boom in recent history?
2026-06-28 00:54:24
3
mountainman528 :
Primary homes are assets not investments.
2026-06-27 11:03:00
1
Steve the Janitor :
You included rental income but not mortgage payments…..
2026-06-27 18:14:45
0
NastyNas :
Purchased in 2021 with a 2.25%
2026-06-27 18:50:41
0
Anthony_Williams :
250k??? is this somewhere in detroit
2026-06-27 11:43:30
0
theHRgay :
are you sure your house only appreciated $20k? I bought in 2021 as well for $305k and I could sell it today for at least $450k... and I haven't done any renovations or upgrades of any kind.
2026-06-28 13:42:37
0
Alexia :
Same position .. its crazy. Ours was 2.7% how anyone would be able to afford a house now at these prices & interest rates are 🤯 I hold on cause probably wouldn't be able to afford again ugh
2026-07-06 12:09:44
1
rileyescbr :
You did not add in the tax savings from interest and real estate taxes
2026-06-27 11:44:08
0
Treajen Yin :
Why aren’t you adding rent?
2026-06-27 09:00:36
1
grandmasutras :
Yup talk about those costs cause they are real
2026-06-27 18:01:15
0
KateD :
Houses have gone up so much in value in the last few years I can’t believe your house is only worth $20,000 more than you paid. My 2 neighbors homes are worth over $150k then they paid in 2021/2022
2026-06-27 13:47:55
2
robinsidehussle :
Homes are crazy expensive today. Most people can’t afford to buy a home anymore.
2026-06-27 02:12:08
2
Amira :
230k for a house omg 😭😭😭😭 lucky
2026-06-27 01:49:28
1
BigTone76 :
You also paid the mortgage with that rental income. Number may be off, have to subtract the mortgage from the rent.
2026-06-27 08:40:49
1
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