西雅图这早就这样了。。去年买房时，一个tour agent和我聊天说他家人也是把房子租出去，弄的合约是月租。疫情来了他们不想租给房客了，可是房客拒绝离开，因为他家的租金比市价要低。他家人不敢涨价，因为地方法律也是不让疫情期间驱逐房客，怕一涨租金人家直接白住了。现在就只好接着租给他们。

而且我去年还看了个100万左右的房子，listed 3个多月都没卖掉。去看了才知道租客还住在后院，而且租约要到今年2月末才到期。到期了人家想接着白住房东也没办法驱逐，那这房子谁要买啊……

还有纽约要eliminate学区房，感觉后头还有的哭

公用马甲34 发表于 2021-01-11 21:47

NYC里有学区房吗？

那政府给你们房东补偿么？政府这么做合法么？

NYC里有学区房吗？

complicated 发表于 2021-01-11 23:59

我不知道你是不是反讽但是上东上西的几所小学以前是不错的。上西17年就改革了，白痴豪要动更大的蛋糕

你这比喻不对。

好比我投资一家店，行情差没人来买东西我亏本这叫生意有赚有赔。行情差所以穷人堂而皇之地来我店里随便拿一毛不用付这叫抢劫，而政府现在就是在包庇这种举动。

出租房同理，我房子租不出去，白白交贷款这叫投资失败。房子被厚颜无耻的人霸占着这叫偷，当然在美国这叫合法

RainyBambooJepp 发表于 2021-01-11 23:54

你再想想，房子空着你收不到租金，他“霸占”着你也收不到租金，有啥区别？他又没有拿你的钱。

from Reddit /nyc

https://www.reddit.com/r/nyc/comments/kmf95u/advice_for_landlords_during_covid/

Here's how landlords can stay afloat. Let's say you owe 5k a month on a mortgage payment for a modest building. You should only be renting out modest, smaller buildings if that's all you can afford if SHTF. Always prepare for that rainy day.

First, get two jobs -- one at a supermarket and the other one at a hospital. Lots of hospitals pay pretty well, you can make $15-20 an hour at entry-level in NYC. So, $15-20 you're taking home about $3k a month after taxes. You're taking another $2-3k from your supermarket job.

It's probably smart, in the interest of frugality, for you to move out of your current dwelling and move into one of your vacant units -- voila, your housing needs are taken care of. Then, get a burner phone that you can top up. That eliminates your $40-60 phone bill right off the bat. Cancel any cable subscriptions, Netflix, Disney Plus, etc, basically anything that is not a necessity. You're going to need wifi to do business, so make sure that's the only utility you're paying for outside of heat, water and electricity.

Start making food at home and stop eating out. I can't stress this enough -- you can't afford fancy coffee and gourmet food right now. You're on that Ramen diet. Produce is cheaper than frozen TV dinners, and there are plenty of recipes online for cheap, nutritious food. Always eat your veggies! Also, no dates right now. No outings with your friends. These are your lean years and you have to be responsible with your money.

So, let's say you have about $6k from your two jobs at the end of the month. 5k of that goes toward the mortgage right off the bat. That leaves you with another $1k that you can pay your rent with. Find a unit that goes for about $600 a month. If you can't, it's time to start thinking about roommates.

SO, you're left with maybe $400/month. That's more than enough to afford groceries, or even to go out with your new roommates once every two weeks or so. It's still relatively nice out, so you could always meet up with your buddies, pregame at home and then go do something for free like ride the Staten Island Ferry.

If you're responsible, and if you're smart, you'll be able to make it out of this unscathed. We all know you can do it, because by virtue of being a landlord you're inherently responsible.

Good luck, you got this!

aprilween 发表于 2021-01-11 21:52

这些天我也考慮到這個狀況。最黑暗的時候還未到来，作為韭菜，大家要怎麼应对。在nextdoor 上，感恩節時见到有人家里沒有节日食物，去foodbank 太迟拿不到免費食物，希望大家有多啲分一些。夫妻兩人一同失业，房租2600刀一個月。

白思豪5月就滚蛋了，再忍忍。。。

somuch 发表于 2021-01-11 23:31

哪有？还没选举呢，明年的这个时候才滚

美国的言论自由，私有房产不可侵犯，都是假的，忽悠外国人的。曼哈顿🈶️多少房东到死，也没收回自己的房子，反而租霸可以传宗接代

yichuan 发表于 2021-01-11 22:11

早就发现了，只有大资本有自由，只有大资本家的财产，才是真正的不可侵犯

You get what you voted for

民主党上台后面房东不会有好日子过的

beth 发表于 2021-01-11 22:26

投的好。求仁得仁

加州出身的贺锦丽还可以向全国推行950美元条款

将来无产者不但有免费的房子住，还可以拿着计算器去商店白拿950美元的货物

from Reddit /nyc

https://www.reddit.com/r/nyc/comments/kmf95u/advice_for_landlords_during_covid/

Here's how landlords can stay afloat. Let's say you owe 5k a month on a mortgage payment for a modest building. You should only be renting out modest, smaller buildings if that's all you can afford if SHTF. Always prepare for that rainy day.

First, get two jobs -- one at a supermarket and the other one at a hospital. Lots of hospitals pay pretty well, you can make $15-20 an hour at entry-level in NYC. So, $15-20 you're taking home about $3k a month after taxes. You're taking another $2-3k from your supermarket job.

It's probably smart, in the interest of frugality, for you to move out of your current dwelling and move into one of your vacant units -- voila, your housing needs are taken care of. Then, get a burner phone that you can top up. That eliminates your $40-60 phone bill right off the bat. Cancel any cable subscriptions, Netflix, Disney Plus, etc, basically anything that is not a necessity. You're going to need wifi to do business, so make sure that's the only utility you're paying for outside of heat, water and electricity.

Start making food at home and stop eating out. I can't stress this enough -- you can't afford fancy coffee and gourmet food right now. You're on that Ramen diet. Produce is cheaper than frozen TV dinners, and there are plenty of recipes online for cheap, nutritious food. Always eat your veggies! Also, no dates right now. No outings with your friends. These are your lean years and you have to be responsible with your money.

So, let's say you have about $6k from your two jobs at the end of the month. 5k of that goes toward the mortgage right off the bat. That leaves you with another $1k that you can pay your rent with. Find a unit that goes for about $600 a month. If you can't, it's time to start thinking about roommates.

SO, you're left with maybe $400/month. That's more than enough to afford groceries, or even to go out with your new roommates once every two weeks or so. It's still relatively nice out, so you could always meet up with your buddies, pregame at home and then go do something for free like ride the Staten Island Ferry.

If you're responsible, and if you're smart, you'll be able to make it out of this unscathed. We all know you can do it, because by virtue of being a landlord you're inherently responsible.

Good luck, you got this!

aprilween 发表于 2021-01-11 21:52

 you can make $15-20 an hour at entry-level in NYC. So, $15-20 you're taking home about $3k a month after taxes.

$15-20税后能有3千，如果20刀一小时，一周工作40个小时一个月税前3200刀，要是一个月拿到手3000刀，一周工作六天，每天十个小时，然后再去超市打第二份工？

实际上，就是政府向地主阶级无偿征用房产用来维稳

aprilween 发表于 2021-01-11 21:55

地主都是中产，中产最不会搞事，这种时候割你没商量

继续选民主党呗

你再想想，房子空着你收不到租金，他“霸占”着你也收不到租金，有啥区别？他又没有拿你的钱。

iheartnyc 发表于 2021-01-12 00:20

这强盗逻辑，服了！

看来以后有钱不要投资出租房，应该直接换更大的房子
lovejake 发表于 2021-01-11 23:00

当然先紧着自己享用，过爽了再倒腾投资房，对自住房来说，时间和生活质量都是比钱更高的成本。

你这比喻不对。

好比我投资一家店，行情差没人来买东西我亏本这叫生意有赚有赔。行情差所以穷人堂而皇之地来我店里随便拿一毛不用付这叫抢劫，而政府现在就是在包庇这种举动。

出租房同理，我房子租不出去，白白交贷款这叫投资失败。房子被厚颜无耻的人霸占着这叫偷，当然在美国这叫合法

RainyBambooJepp 发表于 2021-01-11 23:54

Congratulations, you get what you voted for

本来这就是房地产投资风险的一部分，你买公司股票，债券，都有可能被default，这很正常。如果有人觉得房地产投资是一种稳赚不赔的投资方式，那是真傻。投资股票的人一般风险意识较强，投资房地产的有些太天真。即使买自住房也有风险。

另外民主党上台也是政治风险的一部分，就如同军工，药业等，都有政治风险。要投资就一定要有风险意识。

from Reddit /nyc

https://www.reddit.com/r/nyc/comments/kmf95u/advice_for_landlords_during_covid/

Here's how landlords can stay afloat. Let's say you owe 5k a month on a mortgage payment for a modest building. You should only be renting out modest, smaller buildings if that's all you can afford if SHTF. Always prepare for that rainy day.

First, get two jobs -- one at a supermarket and the other one at a hospital. Lots of hospitals pay pretty well, you can make $15-20 an hour at entry-level in NYC. So, $15-20 you're taking home about $3k a month after taxes. You're taking another $2-3k from your supermarket job.

It's probably smart, in the interest of frugality, for you to move out of your current dwelling and move into one of your vacant units -- voila, your housing needs are taken care of. Then, get a burner phone that you can top up. That eliminates your $40-60 phone bill right off the bat. Cancel any cable subscriptions, Netflix, Disney Plus, etc, basically anything that is not a necessity. You're going to need wifi to do business, so make sure that's the only utility you're paying for outside of heat, water and electricity.

Start making food at home and stop eating out. I can't stress this enough -- you can't afford fancy coffee and gourmet food right now. You're on that Ramen diet. Produce is cheaper than frozen TV dinners, and there are plenty of recipes online for cheap, nutritious food. Always eat your veggies! Also, no dates right now. No outings with your friends. These are your lean years and you have to be responsible with your money.

So, let's say you have about $6k from your two jobs at the end of the month. 5k of that goes toward the mortgage right off the bat. That leaves you with another $1k that you can pay your rent with. Find a unit that goes for about $600 a month. If you can't, it's time to start thinking about roommates.

SO, you're left with maybe $400/month. That's more than enough to afford groceries, or even to go out with your new roommates once every two weeks or so. It's still relatively nice out, so you could always meet up with your buddies, pregame at home and then go do something for free like ride the Staten Island Ferry.

If you're responsible, and if you're smart, you'll be able to make it out of this unscathed. We all know you can do it, because by virtue of being a landlord you're inherently responsible.

Good luck, you got this!

aprilween 发表于 2021-01-11 21:52

ughhhh 不知道你有沒有看懂，這個帖子是反諷！諷刺那謝Reddit上面寫給窮人看得建議，還有諷刺地主不值得同情。

另外是不是投行可以制造一种Derivative，如同Credit Default Swap，给这些land lord，这样可以帮助他们减小风险，使风险社会化，同样也创造新金融产品。

另外我看是不是投行可以制造一种Derivative，如同Credit Default Swap，给这些land lord，这样可以帮助他们减小风险，使风险社会化，同样也创造新金融产品。

nj_guy 发表于 2021-01-12 07:47

早就有這種東西了，你只要short一些residential REIT就好了。