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Just sayin (mander.xyz)

submitted 11 months ago by [email protected] to c/[email protected]

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[–] [email protected] 11 points 11 months ago

yep

[–] [email protected] 10 points 11 months ago

Can I just say, this is a wonderful template. 🐕

[–] [email protected] 7 points 11 months ago

You could have just stopped at "allowed."

[–] [email protected] 7 points 11 months ago

At least 20 corporate shills have seen this post

[–] [email protected] 6 points 11 months ago (7 children)

You run into a problem that you need to mitigate for this to work: qualifying for a mortgage.

A landlord can rent to you for a year--or less--and they assume the risk of you not paying and needing to evict you. Their income verification can be a lot more loose as a result. A bank is going to be in a relationship with you for 15-30 years; they want to be pretty sure that you're going to be able to meet your financial obligations for that whole time period. As a result, they're going to be quite a bit more strict about proof of income, etc.

Renting can be cheaper, too; a tenant isn't on the hook for repairs to a unit, but when I need a new roof in my house, or the water heater goes out, I get to pay every penny of that myself. Yeah, the mortgage is cheaper, but just because you can afford the mortgage doesn't mean that you can afford everything else that goes into owning a home.

You also get into weird and perverse tax and zoning incentives that can make it difficult to build any kind of affordable housing; Dems say they want affordable housing, right up until someone wants to put it in their neighborhood, then they start acting like Republicans.

Yes, the lack of affordable housing is a huge problem. But it's not quite as black and white as it often seems.

[–] [email protected] 5 points 11 months ago* (last edited 11 months ago) (4 children)

Dems say they want affordable housing, right up until someone wants to put it in their neighborhood, then they start acting like Republicans

In my experience, this isn't the case unless someone (sometimes Republicans, sometimes just politicians) try to put ALL the affordable housing into specific neighborhoods for selfish reasons, or the place the affordable housing is going doesn't have jobs because someone actively avoid putting them in the places with jobs because "them poor people are criminals and will hurt business".

New Bedford, MA was a great example. It was an open secret that MA acted to ship a high percentage of projects and Section 8 to New Bedford. It's also an open secret that budgeted commuter rail plans to New Bedford kept getting cut despite the rail running to the rural ass-crack of Western Mass, creating a job-starved desert of one of the otherwise most established economies in the state. Solely because somebody didn't want people in affordable housing to have mass-transit access to most of the state.

I don't blame "The Dems" for that. Neither should anyone. This isn't NIMBY, this is "Let's put them all in your back yard. Then put more in your back yard. Then keep it coming. Then burn the bridge. Aren't I doing good?"