LogFAQs > #967664000

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Topic	Housing market is fucked even worse than most of you realize (anecdotal)
fire_bolt 08/29/22 9:40:53 PM #1:	My brother and I are trying to get our shit together, get out of the slums and into a decent life. He just had a baby. Rent around here is $1500~ for a 3 bedroom house. Little brother makes $55k/year, I make $24k/year, and his baby mama makes $24k/year for a total of around $100k/year. I've been handling the paperwork mostly and we got our first two rejections today. Everything looked good on the first one but they decided my 650 credit score was not sufficient to be responsible for the rent of their $1800/month house. Would not let me get a co-signer for the credit. The credit was the only issue, my payment history going back 20 years is spotless but I'm carrying a little more credit card debt right now than usual and a personal loan I'm still paying off from pandemic times. Second one got rejected because of little brother's criminal record. In 2006 he was 19 and hooked on pills. Broke into some houses when nobody was home to steal stuff to sell for pills (fucking opiods, man). He spent 7 years in jail, has been out since 2014 and has completely turned his life around. He's currently working as a salary factory floor manager for two years now. Other than the one incident his record is completely spotless. Seriously, what the fuck do people expect? I sincerely have no idea how people are ever supposed to turn their lives around when every time you try to do the right thing, try to get ahead there's yet another road block. Collectively our income is more than double what anyone requires for housing in this area and we're stuck in two shitty rathole apartments because we can't get a place together. Feels pretty fucking hopeless right now. Side note: You think landlords are bad? Property management companies are worse. I've always been able to work with landlords in the past but this fucking soulless corporations who treat housing as a luxury only to be afforded to the pristine are horrible. God willing the bottom will fall out of the housing market soon and they'll all go fucking bankrupt --- If it was about babies we'd have universal maternal care. There would be no charge no matter how complex the delivery. But its not about babies, is it? <cite>fire_bolt posted [p:967664000] in Housing ma... [t:80147253]...</cite> <quote>My brother and I are trying to get our shit together, get out of the slums and into a decent life. He just had a baby. Rent around here is $1500~ for a 3 bedroom house. Little brother makes $55k/year, I make $24k/year, and his baby mama makes $24k/year for a total of around $100k/year.I've been handling the paperwork mostly and we got our first two rejections today. Everything looked good on the first one but they decided my 650 credit score was not sufficient to be responsible for the rent of their $1800/month house. Would not let me get a co-signer for the credit. The credit was the only issue, my payment history going back 20 years is spotless but I'm carrying a little more credit card debt right now than usual and a personal loan I'm still paying off from pandemic times.Second one got rejected because of little brother's criminal record. In 2006 he was 19 and hooked on pills. Broke into some houses when nobody was home to steal stuff to sell for pills (fucking opiods, man). He spent 7 years in jail, has been out since 2014 and has completely turned his life around. He's currently working as a salary factory floor manager for two years now. Other than the one incident his record is completely spotless. Seriously, what the fuck do people expect? I sincerely have no idea how people are ever supposed to turn their lives around when every time you try to do the right thing, try to get ahead there's yet another road block. Collectively our income is more than double what anyone requires for housing in this area and we're stuck in two shitty rathole apartments because we can't get a place together. Feels pretty fucking hopeless right now. Side note: You think landlords are bad? Property management companies are worse. I've always been able to work with landlords in the past but this fucking soulless corporations who treat housing as a luxury only to be afforded to the pristine are horrible. God willing the bottom will fall out of the housing market soon and they'll all go fucking bankrupt --- If it was about babies we'd have universal maternal care. There would be no charge no matter how complex the delivery. But its not about babies, is it?</quote> ... Copied to Clipboard!
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