Anonymous
02/23/2026 16:11
Subject: Re:Renting and investing vs purchasing a single family home
Anonymous wrote:Anonymous wrote:
I just want someone to explain to me why do will we expect home prices to keep going up.
If people are having less children and from 2030 , boomers will start listing their home en masse significantly increasing supply, how are home prices going to continue going up like they have been in the past?
Do we really think 1 and 2 person households will prefer owning over renting??
Home prices vary from place to place.
We believe that in areas where there is no land left for new homes, prices will continue to rise.
The tax code and property laws favor homeowners. As long as it stays that way, people will prefer owning and prices will go up even if the population growth slows down.
Does the ability to work from home affect that analysis?
DP. I work from home, but I still don’t want to go live in Akron or whatever just because it is cheap. I want stuff around me; parks, trails, community centers, hospitals, stores, and restaurants. And culture. And I like my 80s SFH in my neighborhood with mature trees and where homes don’t overwhelm the lots they are built on.
Of course our country has a lot of land to build houses, but most of the new developments are not great. People will continue to want to live in established communities with amenities. There aren’t unlimited numbers of those.
It is likely that immigration will come back some time in the future as well.
So I’m not super worried about my home value tanking.
Anonymous
02/23/2026 15:40
Subject: Renting and investing vs purchasing a single family home
Anonymous wrote:Anonymous wrote:You are wanting a simple equation to answer this question. There isn't one. You can't predict the stock market (especially now) and you can't predict what appreciation (or the opposite) in real estate. I think there is benefit to real estate in that 1) you actually have a physical thing -- the markets all tank and the world goes to hell, then you can at least live on it, it didn't disappear into the either, and 2) it's good to be diversified, to have some real estate in addition to other investments.
That said, you say you don't want to own a home. That is probably what should guide you right now. It is a colossal pita at times; maintenance is no joke and expensive.
+1 While our homes did very well over the years in appreciation, I'm at a point where I'm done with home and yard maintenance. I'm about to retire at 56 and just want to chill for a while and not have to work on my home/yard. We are going to rent for a few years while we travel, then will probably downsize and buy a much smaller home.
Seriously, what is all this maintenance you want to avoid? I live in an old house, and I've not had any significant maintenance in almost five years.
Anonymous
02/23/2026 11:45
Subject: Renting and investing vs purchasing a single family home
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:I just want someone to explain to me why do will we expect home prices to keep going up.
If people are having less children and from 2030 , boomers will start listing their home en masse significantly increasing supply, how are home prices going to continue going up like they have been in the past?
Do we really think 1 and 2 person households will prefer owning over renting??
Home prices vary from place to place.
We believe that in areas where there is no land left for new homes, prices will continue to rise.
The tax code and property laws favor homeowners. As long as it stays that way, people will prefer owning and prices will go up even if the population growth slows down.
Let's hope our national debt doesn't lead us down the path of taxing unrealized gains. That equity hmm so tempting for the government esp if boomers choose to stay in their homes because any alternative is more costly
The socialists…cough cough I mean Democrats would love to tax unrealized gains for their so called collectivist utopia.
Which would work if the republicans didn’t WASTE our money on trying to make Greenland and Canada states and other nonsensical things our dementia headed leader does. What a waste of resources diverting the attention of his brown nosing underlings. The LEAST he could do is keep their attention on topics that are actually relevant to the people. You know all the senators, congressmen, and his staff in the white house are funded by our tax money. What a waste.
Anonymous
02/23/2026 11:29
Subject: Renting and investing vs purchasing a single family home
Anonymous wrote:All these posters saying renting is better than owning and they are doing better in the market. Just wait until this huge tech bubble goes POP! and their portfolios drop by 40-50%. It’s only a question of when not if. I’ll still own my home and you’ll still be paying the mortgage through your rent.
If OP doesn't need the money to live off of, they can invest in something less risky, but even so, market usually bounces back after 2 years.
Anonymous
02/23/2026 11:28
Subject: Renting and investing vs purchasing a single family home
Anonymous wrote:You are wanting a simple equation to answer this question. There isn't one. You can't predict the stock market (especially now) and you can't predict what appreciation (or the opposite) in real estate. I think there is benefit to real estate in that 1) you actually have a physical thing -- the markets all tank and the world goes to hell, then you can at least live on it, it didn't disappear into the either, and 2) it's good to be diversified, to have some real estate in addition to other investments.
That said, you say you don't want to own a home. That is probably what should guide you right now. It is a colossal pita at times; maintenance is no joke and expensive.
+1 While our homes did very well over the years in appreciation, I'm at a point where I'm done with home and yard maintenance. I'm about to retire at 56 and just want to chill for a while and not have to work on my home/yard. We are going to rent for a few years while we travel, then will probably downsize and buy a much smaller home.
Anonymous
02/23/2026 11:28
Subject: Renting and investing vs purchasing a single family home
All these posters saying renting is better than owning and they are doing better in the market. Just wait until this huge tech bubble goes POP! and their portfolios drop by 40-50%. It’s only a question of when not if. I’ll still own my home and you’ll still be paying the mortgage through your rent.
Anonymous
02/23/2026 11:24
Subject: Renting and investing vs purchasing a single family home
Anonymous wrote:You are wanting a simple equation to answer this question. There isn't one. You can't predict the stock market (especially now) and you can't predict what appreciation (or the opposite) in real estate. I think there is benefit to real estate in that 1) you actually have a physical thing -- the markets all tank and the world goes to hell, then you can at least live on it, it didn't disappear into the either, and 2) it's good to be diversified, to have some real estate in addition to other investments.
That said, you say you don't want to own a home. That is probably what should guide you right now. It is a colossal pita at times; maintenance is no joke and expensive.
+1
All this. Plus when the interest rates go down property prices typically rise. So, yea owning a home is expensive and the market is high - but it is highly unlikely we will experience overall values to tank like they did in 2008 because of regulations now in place. That said - you will be dealing with this part of your portfolio on a very localized level.
Anonymous
02/23/2026 11:23
Subject: Renting and investing vs purchasing a single family home
Anonymous wrote:Anonymous wrote:Anonymous wrote:I just want someone to explain to me why do will we expect home prices to keep going up.
If people are having less children and from 2030 , boomers will start listing their home en masse significantly increasing supply, how are home prices going to continue going up like they have been in the past?
Do we really think 1 and 2 person households will prefer owning over renting??
Home prices vary from place to place.
We believe that in areas where there is no land left for new homes, prices will continue to rise.
The tax code and property laws favor homeowners. As long as it stays that way, people will prefer owning and prices will go up even if the population growth slows down.
Let's hope our national debt doesn't lead us down the path of taxing unrealized gains. That equity hmm so tempting for the government esp if boomers choose to stay in their homes because any alternative is more costly
The socialists…cough cough I mean Democrats would love to tax unrealized gains for their so called collectivist utopia.
Anonymous
02/23/2026 11:22
Subject: Renting and investing vs purchasing a single family home
Anonymous wrote:Anonymous wrote:Anonymous wrote:Owning a home is not a financial investment anymore. Definitely take the 3.3 if you dont want a home. Start slowly investing in other areas, do your research and diversify.
Good for you for knowing this. Home ownership is only valuable if you wish to stay put and have security. Its no longer a way to create wealth. So so so many costs outside of the actual house value. Most break even but we aren't making money.
I support this approach! As a landlord that started slow and steady I love me some dedicated renters. i’m at the point now where every 3 years the cash flow from my rentals builds up enough cash for a very large down payment on another rental.
Most landlords lose money, but sadly they don't know it. Good for you for doing well. The truth is most barely break even.
LOL…this is funny. Another clueless renter.