this post was submitted on 20 May 2025
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I think you may have cherry picked one where landlord wants to lose money? Landlords typically price the units so it is self supporting and covers all fees etc.
I had counter examples but figured its not worth the back and forth. Ive run the calculators and here the mortgage including fees ends up way less than rental over 25 year period, and at end of 25 years I stop paying a mortgage, and a renter keeps paying till they die. You mentioned a smart renter would invest, but honestly I couldn't afford to live in this place if it was rental, it would be over half my income. I'm better off owning and putting the difference from what it would rent for compared to my mortgage and fee, into an investment
Sigh… yeah sure, let’s leave it at that.
Have a good week dude