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this post was submitted on 09 Dec 2024
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No Stupid Questions
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No such thing. Ask away!
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I'm not a landlord. And you're just incorrect. This is no stupid questions, but there are plenty of stupid answers. The great recession was caused by homeowners and banks making loans they shouldn't have with adjustable rates and predatory practices (ever heard of a NINJA loan?) that greatly increased demand for housing, and then the banks created derivatives on derivatives that all went up in smoke when the underlying loans defaulted. This resulted in many people losing their homes, but more broadly financial markets tightened and housing starts plummeted, which is responsible for the housing shortage today. We had like 5-10 years of development well below replacement.
I would also point out that most local zoning laws make multi-use housing like apartments that we lust for in the 15 minute city difficult to build in favor of the single family home. I would argue that is actually the average homeowner's fault more than a landlord.
"The alternative to landlords is not everything being government housing, but also that's not an issue if you take away landlords and stop them from having any power..."
What the actual fuck does that mean? Do you hear yourself? The alternative is not the thing I said, but something else that still remains imaginary.
You know housing costs money to build right? So, for that to happen, someone has to invest. There are these institutions called banks, maybe they haven't made it to lunatic Island where you live, but they charge interest so you can have money today to build or buy rather than waiting years to accumulate that money.
Now that housing is built, the person that built it wants to sell it. Someone buys it and then someone lives in it for a cost. Without government intervention, what is the alternative?
The problem is not OP's Aunt or even most apartment management companies, but I will give you that Private Equity getting into single family housing is a problem. That should be addressed, and I seriously doubt it will.
Landlord/wannabe landlord - what's the difference?!
No, you are just plain old incorrect - do you even hear yourself??
Landlords have always been the people with money and power and they have welded that influence to create these situations. It doesn't matter if there was malicious forethought - most of them think they haven't done wrong because they're looking out for them and their own - oh and it's just the way the world works so what can they do?!! Lots. If you're not part of the solution, your part of the problem. You need to educate yourself on a lot of things buddy.
Yes, the problem is OPs aunt, and property management companies as well as private equity (which is another name for a group of OPs aunt and property management companies)
Do you know what's so hilarious?
I am willing to bet with actual genuine monopoly money that 95% of the people here who are complaining about landlords will be totally on board with landlording once, later in life, they are in a position to do so.
Edit: Check back in 10 years. You'll see.
I am in a position to be a landlord and choose not to be.
IOW, you are in a position to not need the income. I.e. you could afford the usurious prices for real estate.