Recent comments in /f/RhodeIsland

Killjoy4eva t1_ja1rfcl wrote

> Why would you want to buy a house at 3% down.

Why wouldn't you want to buy a house at 3% down if you have limited funds? I personally purchased with ~5% down on FHA with the $7.5k grant for first time homebuyers. Nabbing a good rate when interest rates are low, it's more beneficial to throw the money in a 401k. The rate of return is higher on a simple index than the interest savings over the course of the note when putting more down even when accounting for PMI.

2

Desperate_Expert_952 t1_ja1g9bq wrote

Homeless shelters of course bring crime and drugs! That’s not the point stop being a Karen. We are trying to help other humans. Yes some commit property crimes, do drugs, and maybe maybe just maybe crimes of violences. It’s the cost you pay for being a good human and helping the less fortunate. I live next to nylo and understand.

−1

allhailthehale t1_ja1enzh wrote

The Armory was a badly implemented, thrown apart non-solution that isn't meeting the needs of the people it was serving. It doesn't even have indoor bathrooms, for fucks sake. Seems like it was a pretty transparent attempt to move the unhoused people from downtown into... wherever they could-- in this case a heavily used neighborhood park. So in that way, yeah, I'm in agreement with WBNA. It's not a permanent solution, and I suppose it's not going to serve anyone to let the state act like it is. So perhaps a firm deadline is a good approach.

But I also live across from the park, run there nearly daily as a woman, and I think a lot of these complaints are totally blown out of proportion. Are there unhoused people clustered in groups hanging out? Yes. Is there some kind of dramatic increase in sirens and crime? Nah, that's just WBNA being.... WBNA.

16

thatderp9 t1_ja1cxko wrote

The problem of not sealing evictions is there is no time limit. You got an eviction in 2015 then you have an eviction in 2023. If you had a case on you and it was dismissed you still have an eviction on your public records. I can understand if your a repeat offender like 2 or 3 evictions but right now 1 is a lifetime penalty.

I guess what I’m trying to say is even if bills get passed it should be amended to make them more fair cause yes you as a property owner shouldn’t be penalized for just wanting to make sure you have a good tenant but at the same time peoples finances change and people in there 40’s and 50’s shouldn’t be penalized for something they did in there early 20’s.

5

PeachesFromTulsa t1_ja19rd0 wrote

The system I use gives a comprehensive criminal background check and eviction history. I personally do not rely on references because some property owners will give favorable references to problem tenants in order to get them out. Also, just like hiring for a job, a lot of people feel they open themselves up to potential litigation if they give any more information beyond rental dates. There is no perfect process but I feel more comfortable having the facts that a $35 background check provides.

8

tilario t1_ja18hmb wrote

do you get that from an eviction history? not trying to be difficult. just thinking of it like a hiring. eg, 15 people come see your apartment, you choose your top 3 candidates and do background checks and previous landlord references for them.

1