So fucking what. We already agree that you hate rich people. Many of those are professional sports. Get over it. Many end up bankrupt because they don't know how to handle money or are human crime machines.
You are fucking retarded. Being wealthy doesn't mean they automatically start buying up property. If you look at these rich people the first thing they do is buy ONE house and then a shit ton of exotic cars. It's only much later in life, if they still have the money for it, do they buy real estate. They are not buying single family houses in residential neighborhoods. They are buying luxury properties in places like Martha's vineyard. Back in the day when they did buy real estate they bought multi family units or built them. That's extremely expensive. In fact most multi-family units are owned my enormous conglomerates or banks due to to the sheer economic weight these properties have. Even wealthy people like trump cannot afford to build or maintain them now.
Investment real estate does not have the same benefits as a property you live in. While yes, the wealthy can command better rates due to known worth, the banks still want their money. These loans are ruthless.
Since you are retarded here's a lowdown on what these things cost:
Commercial real estate loan rates in 2025 vary significantly based on loan type, property details, borrower qualifications, and market conditions. Average rates range from approximately 5% to 14%.
For conventional commercial loans, which are offered by banks, credit unions, and some online lenders, the estimated average interest rate is 6% to 10%. These loans typically have fixed rates and terms of 5 to 10 years, often requiring a balloon payment at the end, and usually demand a 20% to 25% down payment.
Government-backed options include SBA 504 loans, which have an estimated average rate of 5% to 7%. These are best suited for owner-occupied properties and offer fully amortizing terms up to 25 years with no balloon payment, requiring a 10% to 20% down payment. SBA 7(a) loans, also government-backed, have an estimated average rate of up to 12.5% and are similarly intended for owner-occupied properties with up to 25-year amortization.
Short-term bridge loans, used for interim financing before securing long-term funding or selling a property, carry interest rates between 7% and 14%. Construction loans, which fund building or renovation projects in stages, typically have rates ranging from 8% to 13%.
Other loan types include CMBS (Commercial Mortgage-Backed Securities) loans, with fixed rates for 5- to 10-year terms ranging from 5.88% to 7.49% , and portfolio loans, which have rates between 5.0% and 6.0%. Mezzanine loans, used as second-lien financing, carry higher rates, typically between 7.23% and 11.87%.
Rates can also vary by property type and location. For example, multifamily properties may have lower rates compared to office buildings in less desirable areas. Additionally, borrowers with strong credit, higher down payments, and solid financials may secure more favorable rates. The Federal Reserve’s policy and broader economic conditions, including inflation and market demand, continue to influence these rates.
For a property priced at $2.75 million, a down payment of 20% to 25% is typical, with current interest rates starting around 6% to 7% for 10- to 25-year terms. Lenders often require a deposit relationship and detailed financial documentation, including personal and business tax returns, financial statements, and property financials.
You are delusional as well. You have no idea on how the world works. Not at all. And at this stage in your life your course cannot be corrected. Embrace the suck which is your life because you have no choice.
You have not stated any facts at all. You've stated opinions, wildly meandering confabulations, outright falsehoods, and fairy tale solutions.
What you picture or envision, is not aligned with reality.
I am reality.
Already I had woke posters in this thread get defensive and resort to name calling. You've been doing the same. Because you are far-right, you are intolerant and unable to have a conversation with people who disagree with you. This is the same way the far-left behaves. The far-left and you are opposite sides of the same coin. You aren't interested in a discussion, you just walk to talk at people without listening.
Since you are retarded here's a lowdown on what these things cost:
Commercial real estate loan rates in 2025 vary significantly based on loan type, property details, borrower qualifications, and market conditions. Average rates range from approximately 5% to 14%.
For conventional commercial loans, which are offered by banks, credit unions, and some online lenders, the estimated average interest rate is 6% to 10%. These loans typically have fixed rates and terms of 5 to 10 years, often requiring a balloon payment at the end, and usually demand a 20% to 25% down payment.
Ive been been telling you how the system works, who is benefiting from it and how. And this goes against your retarded idea that wealthy people are buying up single family houses in neighborhoods.
FUCKING NO.
If you don't want to listen to what is actually happening, and an explanation of how it's happening because your hate bonner for the rich or anyone that is making more than 12 bucks an hour as you are, then you are not helpless. You are hopeless.
Ive been been telling you how the system works, who is benefiting from it and how. And this goes against your retarded idea that wealthy people are buying up single family houses in neighborhoods.
FUCKING NO.
If you don't want to listen to what is actually happening, and an explanation of how it's happening because your hate bonner for the rich or anyone that is making more than 12 bucks an hour as you are, then you are not helpless. You are hopeless.
Say there are 101 people. 100 of those people make $100 a month. 1 of those people makes $10,000 a month. So out of $20,000, 1 person making half of that impacts supply and demand. That is all I am saying and that is what is getting Tim's panties in a knot.
If you're genuinely interested, browse videos on More Perfect Union. Some of their videos are too left-wing, but many are good.
Already I had woke posters in this thread get defensive and resort to name calling. You've been doing the same. Because you are far-right, you are intolerant and unable to have a conversation with people who disagree with you. This is the same way the far-left behaves. The far-left and you are opposite sides of the same coin. You aren't interested in a discussion, you just walk to talk at people without listening.
As a communist private property ownership should be illegal. As an environmentalist I am obviously not cool with it. But illegals do the same thing, ask the Native Americans on the border who have their lands trashed.
Some Native Americans do a good job of doing that on their own. There is a reservation just outside of Phoenix and the entire landscape was littered with garbage.
Some Native Americans do a good job of doing that on their own. There is a reservation just outside of Phoenix and the entire landscape was littered with garbage.
Say there are 101 people. 100 of those people make $100 a month. 1 of those people makes $10,000 a month. So out of $20,000, 1 person making half of that impacts supply and demand. That is all I am saying and that is what is getting Tim's panties in a knot.
If you're genuinely interested, browse videos on More Perfect Union. Some of their videos are too left-wing, but many are good.
The guy making 10000 a month doesn't want to live next to 100 a month people. You want to get away from them. Every single fucking communist does the exact same thing as well. Diego Rivera is a fantastic example. (I was never a communist.)
I have different shopping interests than the guy making 12/hr at walmart. I'm looking at upgrades to the house while, he/she is looking at different strains of pot, or dog toys, or whatever. I'm looking at 2000 pistols or 4000 dollar rifles. He's looking at 70 dollar HiPoints or PSA AR's. He/she is not looking at light fixtures or pallets of bricks. I am. No matter how many pallets of bricks I buy, I'm not going to price him out of building a backyard fire pit. It just doesn't work that way.
