{ "media_type": "text", "post_content": "People... I’m a Staff II, 25, single, and a strong believer in thorough prep before dating/marriage. I want some tips/lessons on buying my 1st home (good story+++). No opinions on my beliefs thanks!", "post_id": "5a35df560df91800131ce93d", "reply_count": 31, "vote_count": 7, "bowl_id": "564a5cdb94887803001dd07c", "bowl_name": "Accounting" }

People... I’m a Staff II, 25, single, and a strong believer in thorough prep before dating/marriage. I want some tips/lessons on buying my 1st home (good story+++). No opinions on my beliefs thanks!

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I believe strongly in getting into real estate as early as possible, get yourself out of that rent drain. My suggestion is, don’t just get a place with good resale value - get a place with good rental income value. You can move away to wherever you want in the future and keep the passive income going to cover the mortgage, and then some. If your first home is primary residence, you get beneficial homeowner interest rates. After a few years if you move and turn it into investment, your rates stay the same (as opposed to doing it the other way around, because investment property rates are much higher). Ps I don’t believe CA has first time homebuyer benefits, the ones I know of expired

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In more practical advice, buy a set of tools (a few small wrenches, screw drivers, good pliers), get an inspection from a reputable company, get a video inspection of the plumbing. Go into each house with the idea that you can change it firmly in your mind. Don’t get distracted by the way someone has it decorated or the colors they have. Look at “the bones” of the house. Research the F*** our of the neighborhood, crime maps, distance to grocery store, dry cleaner, public transit or main highway artery, look into trends in the town at sites like curbed. It’s a very important decision. Make as good a go of it as you can. Good luck!

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Wtf are you going on about? Are you looking for a date? A house? Or a date with a house?

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20 bucks OP is Indian

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This is such a weird way to phrase it. If you're 25 and single, buy a condo you won't be upset to lose when you upgrade with a family in the future

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Okay, just make sure your next date doesn’t see this post

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Are you a guy? Let me know when you have everything in order so we can date.

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What is "prep before dating" mean?

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Basically before I get into serious relationship type dating I want to have my life in order as best as I can. What I’m trying to get at is dating isn’t my priority for now… If I find someone I’ll let it happen but I won’t actively pursue it until I feel that I’m in the position to almost be ready for marriage.

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Put down 20%; choose a place that has wide appeal so that you can resell. Don’t over-improve it.

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100% believe in not buying a house when you are single. If you find someone and eventually get married you want your house to be both of yours. You don’t want them moving into your place because it will disrupt your organization and flow of the house and they will always feel like a guest and not at home

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You’re thinking of the gain exclusion when you sell. A lot of states have “low income” first time home buyer programs with minimal to no down payment and slightly elevated interest (half a percentage point for us) but offer a credit. Each state has a program based on income and offers different benefits but first time homebuyers are typically extended some type of favorable terms

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Don't be upset because I called first dibs AS2! Lol

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@EY6 I would disagree. If someone really accepted you into their life, doubt they are going to be a teenager about their organization and flow of house - nothing that can't be worked out over a conversation assuming the couple is mature. I would be thrilled to date and then marry a guy who has it together.

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@EY 2 I'm holding out on betting that until he admits to going to the gym in jeans and a polo

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EY6, this depends on how early your expectations of marriage are. Some people get married in their mid-late 30s. Surely you can’t expect someone to be property-less for so long? Paying rent is flushing money down the toilet. If you can afford a house, then lock it down and receive rental income from roommates or tenants, if possible. Source : 27 y.o., bought a house at 24. Moved to a diff city, renting it out now for $1200 monthly Net, on top of tenants covering approx $20k of my mortgage so far. So I challenge your statement that buying a home while single is a bad idea 🤑

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Agree with EY 3 that you should choose a place with wide appeal for resell but would argue not to waste your first time homebuyer allowances before you’re ready to settle for at least 5-10 years. Not all states have benefits but most do and they’re usually insanely favorable. 3.5-5% down plus credits or reduced interest rates

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STA1 is right she called first! AS2, better luck next time. Also OP, if u r a girl then after prep n all let me know! We can date.

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@ey4 would not be surprised if that is the standard gear. I did lose the bet according to OP

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@STA set your standards higher

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To quickly follow up on my other comment, what is the rush to buy a house when single. Please for the love of god don’t say to build equity and it is an investment because it is not an investment. Houses are assets that may go up in price but take a significant amount of money and work to maintain

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