this post was submitted on 17 May 2026
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Do you know what a mortgage is? It's a 30 year, essentially rent-to-own contract. Neither of us are planning on living here that long. My tenant isn't planning on living that long. And even if I owned it outright, I'd be paying property tax and insurance.
Sure, I could come out on top financially. I'm definitely not going to turn a profit but it might be cheaper than renting an apartment in the long run. And in the meantime, I take on all the risk and responsibility until I move and sell the house.
Not everything is a capitalist grift. I'm just trying to get by.
Wether you plan to live there or not in 30 years is irrelevant to the situation.
Your tenant pay over half the mortgage. So you get a subsidized housing, keep the appreciated value of the duplex as well and all that for the basic maintenance of the property?
Golly, what a deal.
I think they're not considering how the portion of rent that only goes toward the mortgage is still profit despite it not being accessible until the home is sold or a loan taken against its equity.