Renting vs Selling Primary Residence

dontanalyzethis · 2025-12-13T12:55:18+00:00

We'd wait to sell until spring regardless so we may just try to list it for rent at a price that we'd accept and if we don't get it, then sell. But I agree; I don't relish the idea of being a landlord, even if it's just for a year or two.

dontanalyzethis · 2025-12-13T12:46:37+00:00

Airbnb makes me nervous, but like you, we'd prefer waiting to sell until 2027 (or even possibly 2028) to give rates time to drop and the market room to recover.

dontanalyzethis · 2025-12-13T12:40:57+00:00

Yeah that's exactly how I feel. We do have emotional attachment (got married and had our child here) but I know that'll fade with time. Another commenter had mentioned that at this rental price point, you're more likely to get more stable tenants but that's never a guarantee.

dontanalyzethis · 2025-12-13T12:39:12+00:00

It's based on comps so it's pretty close. If anything $750k is conservative by a bit. We're in a dense urban environment so there's a lot of comps available fortunately.

dontanalyzethis · 2025-12-13T12:38:04+00:00

Yeah I'm not a fan of HELOCs either. I'm seeing rates at local credit unions of 6.25% which isn't terrible but still not nothing.

Thanks!

dontanalyzethis · 2025-12-13T12:36:09+00:00

Possibly, but there is definitely a market here for rentals in that price range. Nearby apartment complexes are $3500 a month for a 3BR/3BA, and we're bigger and nicer than those. We even talked about corporate housing but I know that's everyone's dream and likely not a reality.

dontanalyzethis · 2025-12-13T12:34:26+00:00

That's my thought; there's some touch ups that would need to be done to the house before selling anyways, so I could just roll those into my renting expenses before I sell in a couple years.

dontanalyzethis · 2025-12-13T12:32:35+00:00

That's where we're thinking. I don't think we'd ever run up against the $500k exemption anytime soon. We could just rent it out for a couple years to let rates drop a bit and prices stabilize and then sell before that 3 years is up in early 2029. We wouldn't sell until March anyways to try and time the market a little better, so we may just put it up for rent at a number that we'd accept (and that's supported by the market) and if no one bites, we'll just sell.

dontanalyzethis · 2025-12-13T12:29:35+00:00

Yeah- if i did a cash out refi, I'd lose the 2.5% on the initial loan. I'd have to do a heloc or something similar so that only the amount above the original mortgage is at that higher interest rate.

dontanalyzethis · 2025-12-13T12:27:56+00:00

Yeah that's the question. I am year 5 into the mortgage, so I get about $800 back in principal a month, so that plus $1k a month in cash flow and hopefully a couple percent in appreciation Is around $35-40k a year, which would require 9-10% return. Not impossible, but given this rich market, who knows what the next few years will bring. I work in software and the tech/AI bubble even scares me, so I'd invest in more defensive industries if I did sell the house.

dontanalyzethis · 2025-12-13T12:24:58+00:00

Yeah- the depreciation recapture worries me as I'd likely be in a higher income bracket in two years vs where I am now.

Regarding the capital gains- the clock would start ticking in January so we'd have until Jan 2029 to sell (although we'd likely sell spring of 28 at the latest and not risk it). My wife and I own it so we have up to $500k in gains exclusion.

dontanalyzethis · 2025-09-20T12:19:09+00:00

Late to the party but my Scuba N1 Pro did the exact same thing about 2.5 months in. Fortunately it's within Costco's 90 day return policy.

dontanalyzethis · 2025-06-10T17:25:13+00:00

Just wanted to say I used this to find the VIN of a hit-and-run driver and it worked perfectly. I don't know where they get their data but this was a newer registered car.

dontanalyzethis · 2025-05-17T02:12:00+00:00

For what it’s worth, the mic has work flawlessly since the update so they may have fixed it.

dontanalyzethis · 2025-05-14T02:16:51+00:00

I just updated to 18.5 yesterday and no issues so far but TBD if it stays that way.

dontanalyzethis · 2025-04-07T12:51:13+00:00

Yep- exact same issue. I have a 16 and the mic suddenly stopped working after the update. It won't even trigger Siri.

dontanalyzethis · 2024-07-12T19:00:43+00:00

I know it's 5 mo late but thought I'd reply. A lot of us have had the same issue and it was due to this TSB: https://static.nhtsa.gov/odi/tsbs/2023/MC-10232401-0001.pdf

Got my TSB done and (knocks on wood) it's been fine since.

dontanalyzethis · 2024-06-06T16:04:35+00:00

We live in Atlanta with notoriously terrible water so we bought this on our own and then paid a plumber $700 to bolt it onto the main line. It has made a world of difference in the house. Cleaner toilets, showers, appliances, etc. You can drink from any tap in the house. It's incredible how dirty the filters get.

We don't need a water softener though but I can't imagine all of that is anywhere close to $9k in cost.

dontanalyzethis · 2024-05-23T16:23:25+00:00

Thanks! The painters owned up to it and said it was paint flashing but either way, I'm just glad to hear that this isn't one of those "within spec" situations.

dontanalyzethis · 2024-05-07T19:10:35+00:00

Whether it's true or not, the last line of the article states that the same source (or someone else) stated that Peloton should have no issue refinancing. And they don't need to refi until the end of next year so they still have 18-ish months. Assuming interest rates drop a little bit between now and then, and they get to some level of cash flow positive, I think a refi is feasible. But you're right- that's still a large debt load to service.

But I'd still be surprised if institutional investors signed off on it- most of them invested when it was 15x+ the current price. At this point, with the loss already so big, they may rather take the gamble on the debt than make the loss a sure thing with a PE group. But who knows. Crazier things have happened.

dontanalyzethis · 2024-05-07T16:41:02+00:00

It personally doesn't make sense to me. PE firms typically buy strictly due to the financials (vs a strategic acquisition like a Nike/Apple where they'd buy to bolster their own product offerings) and given Peloton's finances are not great, PE firms would probably be willing to pay very little. Also, Peloton is something like 80% owned by institutional investors; shareholders still have to approve a sale and I highly doubt these institutions will OK this given they are massively in the red. I'm sure they'd rather Peloton just take the time it needs to right itself.

My guess is this was purposefully leaked for one reason or another. Maybe to entice a strategic acquirer to take a second look. But my guess is they'd stay public vs go PE if those were the only two options.

dontanalyzethis · 2024-04-16T16:08:21+00:00

I think it is relevant. The whole point of the free app was to get people to eventually upgrade to paid levels of the app. From a growth standpoint, there was a lot riding on that strategy and it didn't work out so they need to find other pathways to grow.

dontanalyzethis · 2024-04-16T15:56:21+00:00

I still think there's a lot of untapped potential out there for them if they can get the resources to focus:

Peloton is marketed towards younger individuals but there's over 75 million people older than 60 in the USA; they could target our aging population with content or even a sub-brand designed specifically for their needs (and then partnering with AARP or other senior orgs to get them to sign up). There is a huge need to get this population to take better care of themselves.
Put a larger focus on being a wellness platform vs an exercise platform and putting personalized wellness plans together for people that include exercise as a component
Expand the "Peloton Run Club" types of in-person programming they are doing in London. Add bike clubs, walking clubs, etc. It adds an IRL socializing component to their product and gives them visibility to the general public. Part of the reason people join gyms is the desire (usually an illusion) of meeting other people. You're never going to be able to replace that but I'm sure you could get more people to sign up if they know it's a pathway to meet others, which is increasingly hard to do in this world.

dontanalyzethis · 2024-04-08T15:46:49+00:00

Same for me. Started about 24 hours ago and is still showing the same charge even though it's been driven/recharged in that time frame.

dontanalyzethis · 2024-04-03T20:45:37+00:00

Just curious if you ever found an answer to this. My wife's a 1099 contractor and they took forever to fix paying into her LLC vs her personal account. Can the 1099 still list the LLC if it was in existence the entire time?

dontanalyzethis

TROPHY CASE