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this post was submitted on 09 Dec 2023
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The simple retort to this is that every renter is paying for a mortgage: their landlord's.
But #LandlordLivesMatter!
Fuck em.
You're paying for a service that provides you a place to sleep for a term. The deal the landlord has with the bank is none of your business.
Many large rental companies don't even have mortgages. They pay cash for what they buy. So your statement is extremely ignorant.
Yes landlords are famous for renting at a loss...
Of course the amount of money that would go into a mortgage payment would go into rent. If they pay cash up front, they have a projected timeline to recoup that investment. The details about whether it's technically a mortgage payment is immaterial, the reality for the resident is that rent is higher than a comparable mortgage payment would be.
The only difference in amount is that the rent pretends the mortgage is infinite term, rather then rent getting cheap after the purchaser has recouped their purchase expense.