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{"id":1223,"date":"2021-05-03T21:15:33","date_gmt":"2021-05-03T21:15:33","guid":{"rendered":"https:\/\/livebythecoastsd.com\/stagingsite\/\/?p=1223"},"modified":"2021-05-04T23:17:26","modified_gmt":"2021-05-04T23:17:26","slug":"renting-vs-buying","status":"publish","type":"post","link":"https:\/\/livebythecoastsd.com\/real-estate\/renting-vs-buying\/","title":{"rendered":"Renting Vs. Buying: Invest In Yourself"},"content":{"rendered":"\n

There are a few things to consider when you are making the decision between renting and buying. Let’s focus on the perks first. <\/p>\n\n\n\n

Control<\/h4>\n\n\n\n
\"\"<\/figure>\n\n\n\n

First, when you own your own home, you are in control of any modifications you want to make to your house. If you want to add a deck, install hardwood floors, or renovate your kitchen you don’t have to ask permission. With the exception of possible HOA regulations, your home is yours to do with what you please. <\/p>\n\n\n\n

No Rent Increases<\/h4>\n\n\n\n
\"\"<\/figure>\n\n\n\n

If you have been renting for more than a few years, you are probably familiar with rent increases. When desirability to live in certain areas rise, so do rental prices. Pay a fixed rate mortgage on your home and you have the guarantee you will be paying the same monthly payment each month for the term of your loan. No surprises. <\/p>\n\n\n\n

Earn Equity<\/h4>\n\n\n\n
\"\"<\/figure>\n\n\n\n

Why pay someone else’s mortgage payment? Earn equity! Let me give you an example. You buy your new home for $400,000 and pay the balance down by $20,000 over the course of a year. Home prices in the neighborhood have increased by $15,000 since you bought a year ago. You now have $35,000 worth of equity in your home! This is something you can take advantage of versus giving away to a stranger. <\/p>\n\n\n\n

Tax Savings<\/h4>\n\n\n\n
\"\"<\/figure>\n\n\n\n

Last, when you buy your own home, you receive tremendous tax savings. Talk to your local tax expert to find out what your benefits would be. <\/p>\n\n\n\n

So, why shouldn’t you buy a home? While there are huge benefits in home ownership, it’s not a decision to be made lightly. <\/p>\n\n\n\n

Be Willing To Budget<\/h4>\n\n\n\n
\"\"<\/figure>\n\n\n\n

Can you budget? When you own your home, you need to be prepared for the expenses that come along with it. If there is a plumbing issue or the roof needs replaced, as a homeowner, you are responsible for upkeep. You need to have money set aside for maintenance and upkeep. If you don’t like to save and plan ahead, buying may not be the best path for you. <\/p>\n\n\n\n

Maintain Your Home<\/h4>\n\n\n\n
\"\"<\/figure>\n\n\n\n

Are you willing to maintain your home? If you want to protect your investment, you need to be willing to take care of it. You can pay someone to handle the large projects, but it is in your best interest to be willing and able to handle small DIY tasks. Freshen up paint as needed. Keep your yard appealing to the eye. Add personal touches for curb appeal. If your home has appeal, that adds to overall neighborhood appeal, which in turn boosts your home value. <\/p>\n\n\n\n

If you can afford to buy and are willing to put in the extra effort, homeownership is a completely logical decision. Access our mortgage calculator to get a general idea of payments and prices. For more exact information, talk to your local lender to see which options work best for you. <\/p>\n\n\n\n

Contact me today with any questions or to schedule a complimentary buyer’s consultation. Chat soon!<\/p>\n","protected":false},"excerpt":{"rendered":"

There are a few things to consider when you are making the decision between renting and buying. Let’s focus on the perks first. Control First, when you own your own home, you are in control of any modifications you want to make to your house. If you want to add a deck, install hardwood floors, […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[104,101,103,66,100,102,42],"class_list":["post-1223","post","type-post","status-publish","format-standard","hentry","category-real-estate","tag-benefits","tag-buy","tag-home-ownership","tag-realtor","tag-rent","tag-renting-vs-buying","tag-san-diego"],"yoast_head":"\nRenting Vs. 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