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If landlords get wiped out, Wall Street wins, not renters

76 点作者 bkohlmann大约 5 年前

12 条评论

yardie大约 5 年前
I&#x27;ve got to hand it to Bloomberg for finding 3 of the most extreme cases of the, &quot;think of the poor rentseekers&quot; they could find. I know a few landlords. After meeting them I know I could never seriously become one. We were having drinks while one was on the phone working on evicting someone. Apparently, he didn&#x27;t have a choice, dems the rules.<p>1. The woman sitting on 27 units and only making $24k, is seriously over leveraged. Sounds like she took on more debt than she could reasonably manage and expect her tenants to be the safe bet even though she isn&#x27;t.<p>2. Family owned Mott St apartments. Something is wrong with this story as well. If they owned the properties for a century (1st wave Taosinese immigrants I bet) they should be printing money. Chinatown rents are high for old, low amenities buildings. There is a whole lot more to this story because someone is lying.<p>3. Something tells me they refinanced one too many times and pumped the equity out of their property. Property bought in the 90s is worth 3x as much today so where is the renters money going exactly?
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Joeboy大约 5 年前
I don&#x27;t know about the US but speaking for the UK, landlords have had a ridiculously easy ride in recent decades. As a result, people with spare money customarily invest it in buy-to-let properties, the cost of housing has rocketed, and vast amounts of cash are continuously siphoned from poorer people to richer people. We don&#x27;t have to vindictively celebrate these people getting wiped out, but anything that discourages customary amateur landlordism has to be a good thing.
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sooheon大约 5 年前
Henry George&#x27;s single tax[1] is criminally excluded from the Overton window. Tax rent-seeking, not productivity.<p>[1] <a href="https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Georgism" rel="nofollow">https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Georgism</a>
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abeppu大约 5 年前
The gist of this seems to be &quot;small-time landlords aren&#x27;t rich; they have thin margins&quot; while ignoring the fact that they do in fact have a lot of _wealth_ especially relative to their tenants.<p>I&#x27;ve recently been listening to the audio version of Piketty&#x27;s more recent book, Capital and Ideology. I think noting the difference between wealth and income, and the wage-share vs capital-share (more his 2013 book) is helpful framing for the question of &quot;how badly should we feel for small landlords?&quot; But the rest of this lobbying piece is echoing the more recent book much more clearly. It participates in creating and perpetuating a set of beliefs and values.<p>The concept pitched here is that &quot;most landlords are small-time, having only a handful of units&quot;. But if the big ones are big, e.g. if there&#x27;s a power-law or similar distribution, don&#x27;t forget that most tenants (or most units) might have much larger landlords, which don&#x27;t look like the people discussed here. Their own copy implies it: &quot;Over 43% of rental units ... are owned by small businesses&quot; -&gt; &quot;A majority of rental units are not owned by small businesses&quot;.<p>The largest landlord in my city, with over 5K units and a value of over $3B, received PPP funds, b&#x2F;c its number of &quot;real&quot; employees is relatively modest.<p>And even the small ones are too used to having the law or policies bent to their needs. I live in a multi-unit building in a popular neighborhood, which should probably be worth &gt;$3M, but is taxed at an assessment of ~$135K. And my landlord is probably by most standards not bad.<p>I walk by some buildings near me that were quite likely torched by their owners to get out old, low-paying tenants. Arson is pretty hard to prove, but it can work out quite well for the owners.<p>Whatever I feel for landlords, it&#x27;s not sympathy.
helen___keller大约 5 年前
Investment properties are like stocks, except that retail investors are much more likely to be leveraged and much less likely to be diversified.<p>It sucks to lose your savings but this is just how the free market is. If you dump your life savings into a penny stock, you might get screwed over there too. That&#x27;s the free market, if you don&#x27;t like it then invest in bonds or atleast diversify.<p>I suspect in some number of months, stock values are going to begin taking real hits, and when that happens I suspect we will start seeing the lost-my-retirement-to-SPXL sob stories
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fred_is_fred大约 5 年前
The first lady cited in the story is overextended and if I am supposed to feel bad for her, I don&#x27;t. She took a risk in taking out 1.2 million in mortgages and should reap the profits or losses from said risk.<p>Then there&#x27;s these people- &quot;The townhouse they bought 24 years ago was at the center of their plans to fund retirement. Now they may have to dip into their retirement savings to cover the mortgage.&quot; Why isn&#x27;t that mortgage paid off yet? Sounds like they made some bad decisions. And any place bought in Boulder 24 years ago could be sold for at least 3x what was paid.<p>Edit: these are 2 separate people discussed in the story.
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jacknews大约 5 年前
The pain has to be shared, and particularly, lenders should be making accommodations, waiving (not simply deferring) interest payments, etc.
generalpass大约 5 年前
Landlords have at least one asset. The vast majority (all?) of their tenants have zero assets.<p>This is a measure of wealth, but Bloomberg makes the same mistake that all of these borderline propaganda rags make which is to compare incomes.
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dvduval大约 5 年前
I read little about rent price depreciation, but it seems to me this is already happening. People will move to cheaper housing, and the existing mortgages will be untenable.
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eli_gottlieb大约 5 年前
Time to bring back penny auctions. <a href="https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Penny_auction_(foreclosure)" rel="nofollow">https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Penny_auction_(foreclosure)</a>
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amykhar大约 5 年前
&gt;But Washington stopped short of offering renters comparable relief on the assumption that those in distress would likely qualify for the $1,200 checks the Treasury began mailing out in April, as well as beefed-up unemployment benefits.<p>I have to laugh at this because Americans were told a) you&#x27;re getting a stimulus check and b) you can&#x27;t be evicted.<p>I am almost positive that many people used the stimulus check as found money and blew it rather than using it for rent. The mindset being that if they can&#x27;t be evicted now, they&#x27;ll cross that bridge when they get to it.
mindslight大约 5 年前
The pain needs to propagate up the debt ladder now that it has overflowed the first layer of rent payers. When landlords aren&#x27;t getting their incoming payments, there should be growing political will to do this - freezing mortgage payments, interest, and a large part of real estate taxes.<p>It&#x27;s either now, or a future crisis when the black hole of debt has grown even larger.
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