***official 6:23 am thread***

[rum dick]

Quote:

Originally Posted by Suicide King

God is it 830 yet? Now I have to kill a hour and twenty in my car

Swing by mikes house and take a pic of the nigger rigged staircase. County building department will be opening around 830. You could probably fit in an elder abuse complaint to social services too. Or is there an indian casino near you for a quick slots session?

[Hillbilly Jim]

a rancher and a hook nose jew
sounds like the INS is really stepping up their surveillance game

[anatine]

zero point zero issues with zero down mortgages providing the people receiving them arent habitual sack of shit welfare leeches.

lets be real tho, its a pendulum. one fiscal quarter, 408mike could get one. the next one, no one can get one.

ultimately tho you cant shut down the entire concept of property ownership for anyone who cant come up with 40k as a down payment, because what you end up doing is syphoning more money from the middle class, and once you deplete the middle class economy past a certain tipping point, its Argentina time. brown outs, empty super market shelves, sporadic gas shortages, all that shit.

so yeah we just need to accept that some flies are going to end up in the honey until this great nation sobers up and re-enacts slavery.

[Hillbilly Jim]

Quote:

Originally Posted by Suicide King

about to take Italian sausage

[rum dick]

Quote:

Originally Posted by sonatine

zero point zero issues with zero down mortgages providing the people receiving them arent habitual sack of shit welfare leeches.

lets be real tho, its a pendulum. one fiscal quarter, 408mike could get one. the next one, no one can get one.

ultimately tho you cant shut down the entire concept of property ownership for anyone who cant come up with 40k as a down payment, because what you end up doing is syphoning more money from the middle class, and once you deplete the middle class economy past a certain tipping point, its Argentina time. brown outs, empty super market shelves, sporadic gas shortages, all that shit.

so yeah we just need to accept that some flies are going to end up in the honey until this great nation sobers up and re-enacts slavery.

I for one look forward to fetchin mo' coffee for mah BOA massa. Lack of sleep had me thinking in Midwestern housing prices...100k house 15k down 400ish per month payments. In SoCal and, from the sound of it, virginia it would be a bit ambitious to expect the average first time home buyer to have $75,000 in a safety deposit box for downpayment. But it might be equally ambitious to expect them to make their $2,500 mortgage payment every month. It's a clusterfuck either way maybe.

[rum dick]

Got me reminiscing about when the socal housing market was at the height of it's insanity. Homeowners were so stupid and the mortgage companies were just making up values and pressuring the appraisers to commit fraud. Edwina was a licensed real estate appraiser during the worst of it and coulda made bank but she saw what was coming and wanted no part of it so she quit. Rofl at the amount of money countrywide offered her to sell her soul. Tipping point was when countrywide had her appraise a shitty one bedroom "condo" unit in a crappier part of silver lake. Condo was tiny and literally underground for the most part. Living room had the "view"....a retaining wall. Zero direct sunlight hit any part of the condo. Countrywide demanded it be brought in at close to 500k. She wouldnt do it. First they offered to double her fee then threatened to make sure she never appraised in LA again. She told them to fuck off. One of friends was also appraiser. Kid is kinda soulless so he got countrywide its bullshit valuation. Condo is maybe worth half of that now.

[anatine]

Quote:

Originally Posted by Rum Dick

Got me reminiscing about when the socal housing market was at the height of it's insanity. Homeowners were so stupid and the mortgage companies were just making up values and pressuring the appraisers to commit fraud. Edwina was a licensed real estate appraiser during the worst of it and coulda made bank but she saw what was coming and wanted no part of it so she quit. Rofl at the amount of money countrywide offered her to sell her soul. Tipping point was when countrywide had her appraise a shitty one bedroom "condo" unit in a crappier part of silver lake. Condo was tiny and literally underground for the most part. Living room had the "view"....a retaining wall. Zero direct sunlight hit any part of the condo. Countrywide demanded it be brought in at close to 500k. She wouldnt do it. First they offered to double her fee then threatened to make sure she never appraised in LA again. She told them to fuck off. One of friends was also appraiser. Kid is kinda soulless so he got countrywide its bullshit valuation. Condo is maybe worth half of that now.

legit holy shit.

[rum dick]

Condo is worth half that but it's still overpriced. Not even an ape should live in that literal hole in the ground. Our buddy got himself a brand new jeep and a condo of his own from being countrywides bitch for like three years. He's going to lawschool now rofl. Punchline is the tard got a zero down mortgage and then took out a second mortgage each time with an inflated valuation. We were watching in real time going really? Really? you cannot be this stupid....oh he was and he lost his ass.

[anatine]

thats seriously drop dead hilars.

thats some 200 proof pit game tilt right there.

[Hillbilly Jim]

hopefully he passes the bar in fewer chances than ol coronado dave