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PaperclipPerfector  1mo ago (text post)   2568 thread views

Small-Scale Question Sunday for March 30, 2025

Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?

This is your opportunity to ask questions. No question too simple or too silly.

Culture war topics are accepted, and proposals for a better intro post are appreciated.

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How do I get someone to loan me say 500k for a house and I can just pay him 40k up front and make monthly payments to him rather than the bank?

There’s really no incentive for this on his end, just like a good will gesture to me and my family.

I feel if I can meet a billionaire I can talk him into this.

(Is this too dumb of a question for Sunday dumb question thread?)

What's the incentive supposed to be on your end instead of just using a bank?

That would be one of my first questions if you approached me for money!

I can tell you when I ruminated about this I wanted a person to make my interest, not a bank.

Then I realized that @Quantumfreakonomics had it right and nobody wanted to make less than the S&P 500 for 30 years, or if they did they'd buy bonds.

I also realized when someone asked for a seller's loan my very first thought was "fuck you, if you can't get a loan from a bank why would I trust you?"

I had my parents loan me part of a down payment at min interest and paid it back within 2 years. Your parents should be able to trust you enough to loan you the money and it's better for them to lever you up now than when they're dead.

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