22 year old Cali based electrician apprentice working with my family business. It allowed me to have $0 in debt to finish my college degree in finance. Now looking for my 1st house with a 740 credit score and $15K in saving. This is exactly what I need thank you Kevin 🤝🏽
Good for you. You're on your way to $70/hr. Seeing your capabilities for college, look into getting an inspector certificate. You'll make more money and easier on the body. I'm a GC and going to start inspection classes soon. Good luck bud
You are doing great so far, I wish I had that mentality at 22. I would say if it's your first house, buy a 2 or 3 family and take your time to find the right one. But if the numbers make sense, don't hesitate. Good luck.
@@Ace-qy5vzcan you highlight why you wouldn’t listen to Kevin. I honestly fele your advice is better because that’s what I have been taught. Only other time I have been taught to not put 20% down is doing a FHA loan on a duplex and house hack and move into one of the units.
Great video I’ve read multiple books on real estate investing and Kevin was able to provide key information in just a few minutes that 5 books had Keep up the great work Kevin
Save your money people I bought my fist house at 24 in westchester New York as a garbage man it’s not about how you make your money it’s what you do with it! Don’t waste your hard earned money on cars, clothes, shoes and limit stuff like vacations until you get ahead! Thanks Kevin I’m glad I found your channel at a young age! Ya definitely been apart of my journey 🎉
EXACTLY! It's not how much you make, it's what you do with what you make. That is the difference. Living frugally for 10 years so you can live well for the next 50.
Only with some loans. With the home ready program by Fannie Mae you only have to show the payment history (checks or deposits into your bank account) for the last 12 months.
Debt is only good if you can afford it. Where I live, San Jose CA, town homes are around 1M. Even with 20% down, I'm looking at 8k/month for mortgage, tax, and insurance. I would argue that being able to afford a house is more important than getting into a house. You could argue to rent out rooms, but I'd encourage you to tell that to my girlfriend.
And I will be the Chad that clogs all your toilets, stains all your carpets, leaves moldy beer bottles all over your counters and stairs that ruins the paint, Diggs holes and ruins the backyard. All without paying you rent. Have fun being a landlord
The credit system is kind of broken with the affirmative action that’s being put in place, right? Reward bad behavior. What kind of credit system do you see in the future? I don’t think the current will last.
My offer on a 2 bedroom, 1.5 bathroom, 1100+ sq ft Townhouse just got accepted! It's near shopping, restaurants, hotels... and the place where I get my oil change. XD It was only $150k!! It's the first home I've purchased by myself since my husband passed. It's been a scary process, but I'm making it one step at a time.
Sorry to hear that about your husband, my condolences. But that’s an amazing deal Tammie. Can I ask state? I’m looking for deals in Michigan but I can’t find much hahhaha
I'm purchasing my 2nd home. It's a new build with a conventional load using their lender. Will I be able to get rid of the pmi at 20% appreciation? I'm 7 months out from home being move in ready amd I'm already up 10% in appreciation.
It’s both; half the video is steps we all can take to get into a home as soon as possible. A lot of it comes down to choosing and working towards the highest paying career we can get.
Did Tucker hit you with a copyright strike? I started to watch the Kennedy video. Got busy. Went back to finish it a few minutes later and now it's gone and you uploaded this older video. Bummer.
Really like the new format. Getting out of that studio format and use a cool background and just talk off a script. I haven’t watched for quite some time but may come back with more high quality content like this
There is no safe area to meet up with someone to pay for cash for an item that you’ve negotiated a price on through craigslist. There is essentially nowhere you can do that in my opinion.
I’m a little confused. I understand that you don’t have to have the 20%-25% down payment anymore. But you also said that in order to have cashflow, you probably ought to have 20%-35% down. I guess I don’t understand how that is sustainable? Why is it okay to be in the red?
I think to some extent it's ok bc someone else is paying the majority of the mortgage while you get the appreciation of the home. So you kind of get double growth from equity growth and appreciation.
Because if you’re negative even 100-200 bucks a month and you don’t have many other debts, you can think of it as a monthly investment into real estate. That payment is going towards building equity in the home, and at the same time it will appreciate every year. Remember, the majority of that mortgage payment is being paid by the tenant. People spend 100-200 dollars a month on useless things all the time.
Actually we are talking about gentrifying areas. Of course, this is what everyone wants to do to earn money like you said. Rent seeking as opposed to doing actual work. It’s not people’s fault though, it is a system built on top of broken incentive structures.
Great video, but this is probably the worst time to buy a home in my 36 years of living. With stiff competition from corporate investors and now even the President is trying to keep the middle class out. Frustration doesn't even begin to describe how I feel.
True, but I felt the same ten years ago and warned friends who took big mortgages that it's risky with homes in record highs after doubling in just a few years Now I wish I took a big mortgage back then when housing was half of what it is today
Like I told my mom, I just want a property that can break even. Like after all expenses and everything, I'd be happy with 0. Because over the long term, that 0 will grow to 50, to 100, to 200, 400 cash flow along with that sweet equity that comes along with it!. Get me some 10+ and I'll be happy.
You keep saying buy where you live, but where I live a starter home is $2M, seems out of reach even with a six figure salary and a six figure down payment... Would you still try to house hack in these conditions?
Unfortunately the average house price in my city is $1.35 million and $950k across the country. You have to have a 20% deposit, no way around it, and your income required to buy basic housing in my city needs to be a minimum of circa $180k. So none of this applies
I make Scottsdale money and still don't live in Scottsdale. Live where it makes sense for you. There is plenty of affordable housing out there if you're not determined to pay the racism tax to live in a "nice" neighborhood.
@@clivebunker3823 to another country and leave all my family friends? If I moved to USA or Europe I would only be allowed to go for 2 years. And Asias a hole so not moving there
look for private deals. seller financing. don't use a bank. maybe look just outside the city. Whatever is appropriate for your area. If you want it bad enough, you will find a way.
So, i paused you at 2:26, I am at this moment thinking like a NOOB then, i need down payment of 20%. I am curently living in South Africa, my business is basically bankrupt, my family and i want to move to USA, another hurdle as i am not american citizen, and start with a duplex real estate. But i am barely eating day by day. So this might be interesting. Watching Further and then comment again.
Paused you at 3:52, Yes the idea in the head is to own hotels and shopping centre's and whole lot of real estate eventually, I am currently 42 so that to is a factor, so it has to happen soon. Wife and two beautiful daughters.
Paused you at 6:05, so thus far not really in favour of me wanting to move to america doing it, but i still could have the down payment, and need a lender then
@@slyktech1860 it’s stocks not cash, but I know nothing about RE. I live in LA so can’t own here, too expensive, I’d need to buy rentals elsewhere. What do you mean I’d need to buy two?
I think u missed part where u need to pay for [{(upkeep/repairs)}] on the land and home 🏠🏡 repairs but good info for future people who need this help 😘
“Pre-paid phone plans” don’t go on credit right? Lmao I’ve been on the same $15/30 days plan since 7th grade that hasn’t existed since sophomore year of high school(I’m 26)😂 and I forget to refill it before it lapses sometimes, that can’t affect credit right?
Lol, people in the USA aren't taught to wait until they're ready, buy a future proof house, save a huge down-payment, etc. Maybe you're thinking of the 1970's? The average person now thinks they should buy whatever messed up "starter house" they can ASAP for the max a lender will give them because if you buy real estate you'll get rich, guaranteed.
Honestly in schools we aren’t taught anything about real estate. Neither the benefits nor risks. So, most people default to renting because they have no idea how lucrative real estate can be if done right. And if we listen to news and media, buying a home is impossible.
Kevin have you looked at Fort Myers Beach to invest? I have lived here for years, never seen more opportunities to buy trashed beachfront properties (next to the future Margaritaville ) Come buy some wedge deals, I can show you a local perspective
@@alexwalker5645 if you keep believing housing price will drop. You will never own. They want you to believe this. They want America to be a renter nation.
Hey Kevin, is there an easy way to contact you? I sent an important email to your staff reviewed email some time ago and got no reply. Is there a reliable way to contact you or your staff to talk about Real Estate?
MORE REAL WSTATE VIDEOS. Also, you should make a separate channel for real estate. I’m done with stocks so I had to unsubscribe bc I have a stock trading problem lol
I actually bought a house for a literal $1. After closing and stuff I paid $816.10! It’s my start not my finish. It does need a ton of work but everyone starts somewhere!
@@CraigBrosRacing yeah….I’m my state, ANY lot is worth $100k minimum, in my punts more like $250k for half acre. Most “starter homes” are $450k and up.
I got a random offload deal where the guy hated the house due to him spending a bunch of money then someone kicked the door in and stole all the copper. He never went back and decided to sell. No one wanted to give him the money so he said I’ll sell it for a buck and I just so happened to have a trust $1 bill
Yes. Let's all get loans with $4.5k monthly payments with terms that force it to be your primary residence, and then, even after a few years you'll have to do with nasty, dirty tenants who are liabilities 🎉🎉
@@Fj4LiFe23 why are you shilling a pos who earns his wealth by bullshitting a large audience of degens who will never actually earn a net profit from his shit course?
There are TWO sides to owning real estate...the great negatives and the not so great positives. Your comment seems to outline ONLY the negative. That said, there's no landlord who will go through home ownership without a crazyyyyyy tenant. However, there's no real estate, (especially if you BUY DILIGENTLY with all the points Kevin highlighted) that will not appreciate in value over say a ten year period. Try and weigh the negative and the positive outcomes again, and you'll retract the comment that you made veeeerrryyyyy quickly! Jmo...
Hey Kevin I hope you read this I really want you to do a video on apartment buildings because I really want to get into the multi-family homes because what happens when your one door has zero cash flow and you have bills to pay on you're home and that one. Thank you in advance
22 year old Cali based electrician apprentice working with my family business. It allowed me to have $0 in debt to finish my college degree in finance. Now looking for my 1st house with a 740 credit score and $15K in saving.
This is exactly what I need thank you Kevin 🤝🏽
Good for you. You're on your way to $70/hr. Seeing your capabilities for college, look into getting an inspector certificate. You'll make more money and easier on the body. I'm a GC and going to start inspection classes soon. Good luck bud
YOU GONNA BE RICH AS AN ELECTRICIAN IN CALI HAHA
You are doing great so far, I wish I had that mentality at 22. I would say if it's your first house, buy a 2 or 3 family and take your time to find the right one. But if the numbers make sense, don't hesitate. Good luck.
@@Ace-qy5vzcan you highlight why you wouldn’t listen to Kevin. I honestly fele your advice is better because that’s what I have been taught. Only other time I have been taught to not put 20% down is doing a FHA loan on a duplex and house hack and move into one of the units.
Great video I’ve read multiple books on real estate investing and Kevin was able to provide key information in just a few minutes that 5 books had
Keep up the great work Kevin
Ryan Reynolds has some good points regarding not to be afraid of real estate debt
As soon as I saw "Noob Vs Pro" I knew this video was about to be great, and yes, yes it was
Save your money people I bought my fist house at 24 in westchester New York as a garbage man it’s not about how you make your money it’s what you do with it! Don’t waste your hard earned money on cars, clothes, shoes and limit stuff like vacations until you get ahead! Thanks Kevin I’m glad I found your channel at a young age! Ya definitely been apart of my journey 🎉
EXACTLY! It's not how much you make, it's what you do with what you make. That is the difference. Living frugally for 10 years so you can live well for the next 50.
no vacations what?
Holy moly this video style is awesome Kevin.
No0b vs pro is back and I'm here for it. Please keep it coming!
28 years old, Just put my first offer on a place. Waiting to see if offer gets accepted now.
Hey guys the boarder income piece here is misleading. You need to show 2 years of boarder’s income claimed on tax returns before you can use it.
Only with some loans. With the home ready program by Fannie Mae you only have to show the payment history (checks or deposits into your bank account) for the last 12 months.
I miss these! Great video!
This is great anyone getting into buying there first property should be watching!
Loved this style of video!!!
imo maybe one of your best videos!
Thanks for doing this video
Omg I miss these videos so much!!!!!!
This was great Kevin!!
thank you kevin nice video
These are my favorite videos from Kev
Thank you Kevin....not everyone buys courses...thank you sir for this information....wish I knew all this yrs ago..
Good advice
Debt is only good if you can afford it. Where I live, San Jose CA, town homes are around 1M. Even with 20% down, I'm looking at 8k/month for mortgage, tax, and insurance. I would argue that being able to afford a house is more important than getting into a house. You could argue to rent out rooms, but I'd encourage you to tell that to my girlfriend.
I will be a land lord in 3 years
And I will be the Chad that clogs all your toilets, stains all your carpets, leaves moldy beer bottles all over your counters and stairs that ruins the paint, Diggs holes and ruins the backyard. All without paying you rent.
Have fun being a landlord
@@JustSomePerson8 Chad dont do that, if you're going to make a joke at least understand it😅
Bed Bath Beyond has tanked insane. Its soo bullish now!! Why not advise ????
Best video yet. Period.
Lol, “the inspector flagged this…” in my area you’re not getting a decent house without waiving the inspection and paying $30k+ over the asking price.
Great job Kevin, well said!
Good time to post. Things are getting real
Amazing content like always! Your the man, KEVIN FOR PRESIDENT
Wants vs Goals always comes down to those two before know the "Why". Great video !
Need to hire this man ASAP
Thank you Kevin for info
These are the videos i found you on.. still great.
FUCKING GOOD CONTENT KEVIN!! this is what i love to see... this is so valuable thanks!
The credit system is kind of broken with the affirmative action that’s being put in place, right? Reward bad behavior. What kind of credit system do you see in the future? I don’t think the current will last.
My offer on a 2 bedroom, 1.5 bathroom, 1100+ sq ft Townhouse just got accepted! It's near shopping, restaurants, hotels... and the place where I get my oil change. XD
It was only $150k!!
It's the first home I've purchased by myself since my husband passed. It's been a scary process, but I'm making it one step at a time.
Sorry to hear that about your husband, my condolences. But that’s an amazing deal Tammie. Can I ask state? I’m looking for deals in Michigan but I can’t find much hahhaha
@@Dracstar I'm in Georgia, about 40 minutes from Atlanta.
@@tammiegriffin5569 That’s awesome. I think that’s a great area, you’ll get a lot of tailwind benefit from people migrating from Atlanta outward
Good stuff
why did u switch to a weird tucker carlson cadence with your voice
I love this informative video ❤thanks
I'm purchasing my 2nd home. It's a new build with a conventional load using their lender. Will I be able to get rid of the pmi at 20% appreciation? I'm 7 months out from home being move in ready amd I'm already up 10% in appreciation.
Yes you’ll just have to pay for a new appraisal usually 600 dollars if you think you have 20% equity. They will then remove it
Where is the tucker video
I wish I would've had this in mind 15 years ago.
Why do you say that?
@@jonlee6114 because I didn't have any of this in mind 15 years ago. I was just chaising tail.
400k is a decent price bruv, come to Canada nothin below 800k
Thank you
So why did you sell Kevin?
Woot!
It's it paying twice a month or every 2 weeks
I thought this was going to be a video for first time home buyers. I should have known it was going to be another "get rich being a landlord" video.
It’s both; half the video is steps we all can take to get into a home as soon as possible. A lot of it comes down to choosing and working towards the highest paying career we can get.
Please add time stamps
Hey Kevin, is the credit score part considering what Joe just recently implemented with payments for people with high credit scores?
I would read into it because it’s not exactly what the headlines are saying
@@UnderTheBar I am new to this can you elaborate?
Just bought my first home
This video is PURE VALUE I love it Kevin !!
Yes
6/3/2013 PMI will stay for the life of the loan on FHA loans with less than 10% down
Did Tucker hit you with a copyright strike? I started to watch the Kennedy video. Got busy. Went back to finish it a few minutes later and now it's gone and you uploaded this older video. Bummer.
im 26 160k saved up waiting on the housing market in miami to decrease to jump in
Really like the new format. Getting out of that studio format and use a cool background and just talk off a script. I haven’t watched for quite some time but may come back with more high quality content like this
Hi kev
Hey Kevin, debating getting your Realestate course, however in the times we are now with high interest rates, is the course even relevant right now?
Not for now... but you want to know these stuff at the time of housing crash.
There is no safe area to meet up with someone to pay for cash for an item that you’ve negotiated a price on through craigslist. There is essentially nowhere you can do that in my opinion.
@@thealienrobotanthropologist yes bank works did for $7k used car sale on Craigslist
I’m a little confused. I understand that you don’t have to have the 20%-25% down payment anymore. But you also said that in order to have cashflow, you probably ought to have 20%-35% down.
I guess I don’t understand how that is sustainable? Why is it okay to be in the red?
I think to some extent it's ok bc someone else is paying the majority of the mortgage while you get the appreciation of the home. So you kind of get double growth from equity growth and appreciation.
Because if you’re negative even 100-200 bucks a month and you don’t have many other debts, you can think of it as a monthly investment into real estate. That payment is going towards building equity in the home, and at the same time it will appreciate every year. Remember, the majority of that mortgage payment is being paid by the tenant. People spend 100-200 dollars a month on useless things all the time.
SUB PRIME MORTGAGE
Actually we are talking about gentrifying areas. Of course, this is what everyone wants to do to earn money like you said. Rent seeking as opposed to doing actual work. It’s not people’s fault though, it is a system built on top of broken incentive structures.
Classic video idea, when there no other video ideas 😎
Great video, but this is probably the worst time to buy a home in my 36 years of living. With stiff competition from corporate investors and now even the President is trying to keep the middle class out. Frustration doesn't even begin to describe how I feel.
True, but I felt the same ten years ago and warned friends who took big mortgages that it's risky with homes in record highs after doubling in just a few years
Now I wish I took a big mortgage back then when housing was half of what it is today
Like I told my mom, I just want a property that can break even. Like after all expenses and everything, I'd be happy with 0. Because over the long term, that 0 will grow to 50, to 100, to 200, 400 cash flow along with that sweet equity that comes along with it!. Get me some 10+ and I'll be happy.
@@siliconvalleyinvestor8718 what happened to those friends?
Do you know of anyone that has a similar show as yours, but for Canadian economics?
Great tips! And also like and subscribe!
better do it before May 1st. everyone with good credit gets to pay for the people that dont have good credit
asked my lender and he said that the surcharge rate was already added
Ya lenders already factored this when it was first announced awhile ago
Mine was 3k in fees. They were able to remove it though
In australia, there is no 30-year fixed rate debt.
Only 5 -year mortgages, fixed or variable rate , at the end of which can be refinancing.
You keep saying buy where you live, but where I live a starter home is $2M, seems out of reach even with a six figure salary and a six figure down payment... Would you still try to house hack in these conditions?
Unfortunately the average house price in my city is $1.35 million and $950k across the country. You have to have a 20% deposit, no way around it, and your income required to buy basic housing in my city needs to be a minimum of circa $180k. So none of this applies
Move?
I make Scottsdale money and still don't live in Scottsdale. Live where it makes sense for you. There is plenty of affordable housing out there if you're not determined to pay the racism tax to live in a "nice" neighborhood.
@@clivebunker3823 to another country and leave all my family friends? If I moved to USA or Europe I would only be allowed to go for 2 years. And Asias a hole so not moving there
@@Skankhunt420. where do you live?
look for private deals. seller financing. don't use a bank. maybe look just outside the city. Whatever is appropriate for your area. If you want it bad enough, you will find a way.
Can we get a 2nd video after this on how to buy a 2nd house? I cant seem to figure out the best strategy to go with.
Same as the first house. You can also use a home equity line of credit as downpayment
So, i paused you at 2:26, I am at this moment thinking like a NOOB then, i need down payment of 20%. I am curently living in South Africa, my business is basically bankrupt, my family and i want to move to USA, another hurdle as i am not american citizen, and start with a duplex real estate. But i am barely eating day by day. So this might be interesting. Watching Further and then comment again.
Paused you at 3:52, Yes the idea in the head is to own hotels and shopping centre's and whole lot of real estate eventually, I am currently 42 so that to is a factor, so it has to happen soon. Wife and two beautiful daughters.
Paused you at 6:05, so thus far not really in favour of me wanting to move to america doing it, but i still could have the down payment, and need a lender then
I loved the noob vs pro lol
I want to buy my first rental property. I have 400k in cash, but I only qualify for a DSCR Loan. What should I do?
If you can afford getting 2 houses with that I would. You have way too much cash.
Cheap news Houses in Knoxville TN , Gatlinburg TN, or Sevierville TN ur welcome 🎉
@@slyktech1860 it’s stocks not cash, but I know nothing about RE. I live in LA so can’t own here, too expensive, I’d need to buy rentals elsewhere. What do you mean I’d need to buy two?
I think u missed part where u need to pay for [{(upkeep/repairs)}] on the land and home 🏠🏡 repairs but good info for future people who need this help 😘
Hey Kevin you should do a real estate analysis on Canada, given how absolutely absurd it is here compared to the US for first time home owners
Why should he?
@@milhouse7145 Why shouldn't he?
“Pre-paid phone plans” don’t go on credit right? Lmao I’ve been on the same $15/30 days plan since 7th grade that hasn’t existed since sophomore year of high school(I’m 26)😂 and I forget to refill it before it lapses sometimes, that can’t affect credit right?
No it won’t
Lol, people in the USA aren't taught to wait until they're ready, buy a future proof house, save a huge down-payment, etc. Maybe you're thinking of the 1970's? The average person now thinks they should buy whatever messed up "starter house" they can ASAP for the max a lender will give them because if you buy real estate you'll get rich, guaranteed.
Honestly in schools we aren’t taught anything about real estate. Neither the benefits nor risks. So, most people default to renting because they have no idea how lucrative real estate can be if done right. And if we listen to news and media, buying a home is impossible.
Best video
Kevin have you looked at Fort Myers Beach to invest? I have lived here for years, never seen more opportunities to buy trashed beachfront properties (next to the future Margaritaville )
Come buy some wedge deals, I can show you a local perspective
Finally! Not a housing crash vid. Housing prices are going up daily. Better buy now.
Buy now???? But what about in the incoming months when real estate crumbles by 40%???
@@alexwalker5645 if you keep believing housing price will drop. You will never own. They want you to believe this. They want America to be a renter nation.
Bringing back the n00b vs pro!!!
production setup just 100x'd over night
Hey Kevin, is there an easy way to contact you? I sent an important email to your staff reviewed email some time ago and got no reply. Is there a reliable way to contact you or your staff to talk about Real Estate?
Im buying a home next year at 25 by myself
Ooh boo boo, you're on a roll today sweet pea, keep it coming love, I'm enjoying this boo boo❤😉😋😎😍😘🙂🤗😇
MORE REAL WSTATE VIDEOS. Also, you should make a separate channel for real estate. I’m done with stocks so I had to unsubscribe bc I have a stock trading problem lol
That is cool and all...............But i cant even get a bank to loan me money on a house i fucking OWN.......... paid for.......LOL.
I actually bought a house for a literal $1. After closing and stuff I paid $816.10! It’s my start not my finish. It does need a ton of work but everyone starts somewhere!
Tax sale? Or.....🐂💩🤔
@@thomasdriskill5254 my thoughts exactly..,..what state will tell more..
I did similar but it was threw inheritance not purchase..
@@CraigBrosRacing yeah….I’m my state, ANY lot is worth $100k minimum, in my punts more like $250k for half acre. Most “starter homes” are $450k and up.
I got a random offload deal where the guy hated the house due to him spending a bunch of money then someone kicked the door in and stole all the copper. He never went back and decided to sell. No one wanted to give him the money so he said I’ll sell it for a buck and I just so happened to have a trust $1 bill
💯
Yes. Let's all get loans with $4.5k monthly payments with terms that force it to be your primary residence, and then, even after a few years you'll have to do with nasty, dirty tenants who are liabilities 🎉🎉
just don’t do it California
PA is beneficial to a landlord
why are you watching a video about real-estate?
@@Fj4LiFe23 why are you shilling a pos who earns his wealth by bullshitting a large audience of degens who will never actually earn a net profit from his shit course?
There are TWO sides to owning real estate...the great negatives and the not so great positives. Your comment seems to outline ONLY the negative. That said, there's no landlord who will go through home ownership without a crazyyyyyy tenant. However, there's no real estate, (especially if you BUY DILIGENTLY with all the points Kevin highlighted) that will not appreciate in value over say a ten year period. Try and weigh the negative and the positive outcomes again, and you'll retract the comment that you made veeeerrryyyyy quickly! Jmo...
Damn i missed your last uload about tucker carlson, mustve taken it down for some reason...
Hey Kevin I hope you read this I really want you to do a video on apartment buildings because I really want to get into the multi-family homes because what happens when your one door has zero cash flow and you have bills to pay on you're home and that one. Thank you in advance
LOL. 5% down with this interest rate and barely downtrend home price? Good luck.
I'm with you on all that... Except the hoa thing. Never. No way. Fuhgettabout it.
Blackrock the new owner of residential housing and the demise of lower to middle class home ownership.
HOA costs are a theft of wealth regardless
Creditors report once per month, not twice.
the problem is. i can afford the downpayment, but the monthly payemnts i cannot.
In most developed countries the ship has already sailed (especially the UK). No money to be made. Americans are lucky.
I would literally be Meet Kevin if only I'd been born in the USA.
I’m not buying anything right now is not worth it