I like how you're getting downvoted for having a reasonable take while the person saying "YIKES" and "BAD TAKE" is getting upvoted.
How about someone try and explain why taking on a roommate is actually deserving of the wall? This site is unironically filled with liberals and LARPers who can't explain the things they claim to believe because they've just been told what to think rather than thinking about it reasonably.
Fuck landlords, but if asking a roommate to help pay my mortgage and utilities makes me a capitalist pig I'm perfectly fine with that.
If, on the other hand, you had some arrangement where they owned the portion of the house they paid for, or were simply entitled to free residence for as long as you owned the property, then that would at least be a fair trade.
Basically this; if you're getting yourself into a 30-year loan and you plan to pay for it with someone else's money, you're going to have a bad time, and so are they. Their finances are now tied up in your finances, because if you over-bought, what happens if they lose their job? Are you going to kick out your roommate who is a de facto tenant? What if they are a part-time worker and their hours get cut, and now their portion of your mortgage is eating up a disproportionate amount of their take-home pay? That kind of shit fucks with your interpersonal dynamic; you can very quickly go from "housemates" to exploiter and exploited.
That being said, it is entirely possible -- depending on the area -- for a mortgage payment to be significantly less than rent on a comparable house or apartment. If "rent" is less than half of what it would cost for your roommate to find a something on their own, then I guess that's not so bad; there's probably a harm reduction argument that could be made here. But for fuck's sake, don't plan your home purchase around someone else always being there to pay half of the mortgage. If you can't afford it on your own (e.g., on an extremely tight budget, and leaving some leeway for yearly property tax and/or homeowner's insurance increases), you can't afford it, period. Don't drag some other poor bastard in with you, because this is the kind of thing that ruins friendships.
Tbf I think people might be seeing my response without the context. If you don't see my other posts, it looks like I'm basically just responding to criticism of landlords by saying "Not all landlords," which would be super lib; the reason I said what I did was because OP was a continuation of another argument that arose from someone looking to buy a house and wondering if it'd be ok to split the mortgage with a tenant. Normally I'd be on board with the memes but when someone's making a serious decision it's important to consider things more seriously. I was salty when I made my comment which is why I made a second one explaining my position, people might not realize they're from the same person. However I do agree that people arguing thay they'd be a bad person for doing could probably benefit from turning off the internet for a bit.
I like how you're getting downvoted for having a reasonable take while the person saying "YIKES" and "BAD TAKE" is getting upvoted.
How about someone try and explain why taking on a roommate is actually deserving of the wall? This site is unironically filled with liberals and LARPers who can't explain the things they claim to believe because they've just been told what to think rather than thinking about it reasonably.
Fuck landlords, but if asking a roommate to help pay my mortgage and utilities makes me a capitalist pig I'm perfectly fine with that.
deleted by creator
Basically this; if you're getting yourself into a 30-year loan and you plan to pay for it with someone else's money, you're going to have a bad time, and so are they. Their finances are now tied up in your finances, because if you over-bought, what happens if they lose their job? Are you going to kick out your roommate who is a de facto tenant? What if they are a part-time worker and their hours get cut, and now their portion of your mortgage is eating up a disproportionate amount of their take-home pay? That kind of shit fucks with your interpersonal dynamic; you can very quickly go from "housemates" to exploiter and exploited.
That being said, it is entirely possible -- depending on the area -- for a mortgage payment to be significantly less than rent on a comparable house or apartment. If "rent" is less than half of what it would cost for your roommate to find a something on their own, then I guess that's not so bad; there's probably a harm reduction argument that could be made here. But for fuck's sake, don't plan your home purchase around someone else always being there to pay half of the mortgage. If you can't afford it on your own (e.g., on an extremely tight budget, and leaving some leeway for yearly property tax and/or homeowner's insurance increases), you can't afford it, period. Don't drag some other poor bastard in with you, because this is the kind of thing that ruins friendships.
Tbf I think people might be seeing my response without the context. If you don't see my other posts, it looks like I'm basically just responding to criticism of landlords by saying "Not all landlords," which would be super lib; the reason I said what I did was because OP was a continuation of another argument that arose from someone looking to buy a house and wondering if it'd be ok to split the mortgage with a tenant. Normally I'd be on board with the memes but when someone's making a serious decision it's important to consider things more seriously. I was salty when I made my comment which is why I made a second one explaining my position, people might not realize they're from the same person. However I do agree that people arguing thay they'd be a bad person for doing could probably benefit from turning off the internet for a bit.