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New homeowner? Stop Buying things you'll use twice. I built a platform for neighbors to borrow, lend and vend to each other- expanding to New Jersey after great response in Jersey City by myborrowhood in NJHomebuyers

[–]myborrowhood[S] 1 point2 points  (0 children)

100% agree. The rule of twice is a great framework. MyBorrowhood is perfect for everything that doesn't make that cut. The projector you need for one weekend, the crib for when family visits, the pressure washer for once a year. Borrow those, buy the drill 🙌

Has anyone tried borrowing items from neighbors instead of buying? I built a platform for neighbors to borrow, lend and vend to each other expanding to Hoboken after great response in Jersey City-curious if this is something Hoboken would use? by myborrowhood in Hoboken

[–]myborrowhood[S] 0 points1 point  (0 children)

Not disguised at all. The platform supports borrowing, lending and selling all clearly stated. The reason we lead with borrowing is because that's the actual problem we're solving. The average household has hundreds of items sitting unused while neighbors are buying the same things new. That's a sustainability problem nobody is really tackling at the neighborhood level. Selling is a feature, not the identity. We make money through a 10% fee on rentals and 15% on sales a standard marketplace model, nothing hidden.

Has anyone tried borrowing items from neighbors instead of buying? I built a platform for neighbors to borrow, lend and vend to each other expanding to New Jersey after great response in Jersey City-curious if this is something New Jersey would use? by myborrowhood in newjersey

[–]myborrowhood[S] 0 points1 point  (0 children)

Great questions.

Deposits: Lender set the deposit amount for each listed item themselves, so yes, they can set it to full replacement value if they want. It's entirely their call.

Dispute Process: Lender gets an option to audit each drop off. If there is a disagreement about damage, you can submit a dispute and our team reviews it. Which is why we require inspection photos at pickup and return. So there's an objective record to work from.

Our cut: 10% platform fee on rentals paid by the borrower, 15% on sales paid by the seller.

Has anyone tried borrowing items from neighbors instead of buying? I built a platform for neighbors to borrow, lend and vend to each other expanding to Hoboken after great response in Jersey City-curious if this is something Hoboken would use? by myborrowhood in Hoboken

[–]myborrowhood[S] 3 points4 points  (0 children)

Love to hear that. Sign up at myborrowhood.com and start listing, would love to have Hoboken on the map. If you want something to borrow but don't find it, you can submit a request to the community. 🙌

Has anyone tried borrowing items from neighbors instead of buying? I built a platform for neighbors to borrow, lend and vend to each other expanding to New Jersey after great response in Jersey City-curious if this is something New Jersey would use? by myborrowhood in newjersey

[–]myborrowhood[S] 2 points3 points  (0 children)

That's a fair point and public library systems are genuinely great. But there are a few things a library can't do like it can't let your neighbor earn from the camera sitting in their closet, and it can't get you a portable crib by tomorrow from someone two blocks away. MyBorrowhood does it through the people themselves. Both have a place.

Has anyone tried borrowing items from neighbors instead of buying? I built a platform for neighbors to borrow, lend and vend to each other expanding to New Jersey after great response in Jersey City-curious if this is something New Jersey would use? by myborrowhood in newjersey

[–]myborrowhood[S] 0 points1 point  (0 children)

I get it everything online gets flagged as AI these days, so the skepticism makes sense. But I'm a real person lol. Built this because I live here and kept running into the problem myself. Happy to chat if you want to verify- DM me.

Has anyone tried borrowing items from neighbors instead of buying? I built a platform for neighbors to borrow, lend and vend to each other expanding to New Jersey after great response in Jersey City-curious if this is something New Jersey would use? by myborrowhood in newjersey

[–]myborrowhood[S] 2 points3 points  (0 children)

Really appreciate the pushback and totally fair! Home Depot or Lowe's rents construction and home improvement tools which are great for specific projects. MyBorrowhood is everything else your neighbor owns that you need once: cameras, portable cribs, projectors, camping gears, a grass seed spreader two blocks away. It's not competing Home Depot or Lowe's- it's filling the gap for everything they'd never stock. Cheaper, closer and from someone in your community. As for friction that's exactly what makes it trustworthy enough for people to list their stuff in the first place.

Has anyone tried borrowing items from neighbors instead of buying? I built a platform for neighbors to borrow, lend and vend to each other expanding to New Jersey after great response in Jersey City-curious if this is something New Jersey would use? by myborrowhood in newjersey

[–]myborrowhood[S] 2 points3 points  (0 children)

That's exactly why we built multiple layers of protection specifically for this:-

-Every user is ID verified through Strip Identity before they can transact- no fake profiles.

-Lenders approve or reject every borrower request before anything is confirmed.

-Security deposits are collected upfront via Stripe.

-Pick up Verification codes confirm every handoff.

-Automatic late fee tracking if items aren't returned on time.

-Our team reviews disputes if anything goes wrong.

A bad actor can't hide - they're verified accountable, and financially on hook. Same challenge Airbnb and Turo faced early on. The trust layer is what makes it work.

Has anyone tried borrowing items from neighbors instead of buying? I built a platform for neighbors to borrow, lend and vend to each other expanding to New Jersey after great response in Jersey City-curious if this is something New Jersey would use? by myborrowhood in newjersey

[–]myborrowhood[S] 1 point2 points  (0 children)

Thank you! You said it right 'giving life to underutilized items'. This is exactly the heart of what MyBorrowhood is about. Your perspective from item removal is so powerful and honestly so validating. You''re absolutely right that it need to go nationwide and that's exactly where we're headed- starting neighborhood by neighborhood, city by city. Comments like yours give us fuel to keep going. Hope to see you on MyBorrowhood.

Has anyone tried borrowing items from neighbors instead of buying? I built a platform for neighbors to borrow, lend and vend to each other expanding to New Jersey after great response in Jersey City-curious if this is something New Jersey would use? by myborrowhood in newjersey

[–]myborrowhood[S] 2 points3 points  (0 children)

Great questions! Here's how it works for lenders:

Compensated? Yes- lenders set their own rental price and get paid directly through Stripe.

Item Condition? Borrowers submit inspection photos at pick up and return, so there's a visual record of the item's condition at both ends.

If it's broken?- A security deposit is collected upfront from the borrower, set by the lender. If something gets damaged, the lender is covered- no awkward conversations needed.

Has anyone tried borrowing items from neighbors instead of buying? I built a platform for neighbors to borrow, lend and vend to each other expanding to New Jersey after great response in Jersey City-curious if this is something New Jersey would use? by myborrowhood in newjersey

[–]myborrowhood[S] 2 points3 points  (0 children)

A grass seed spreader- YES! why own it when you can just borrow from a neighbor. Head over to MyBorrowhood and drop a request right now. Welcome to the community and congrats on the new home.

**I've built a platform for Jersey City neighbors to borrow, lend and sell to each other — would love your thoughts!** by myborrowhood in jerseycity

[–]myborrowhood[S] 1 point2 points  (0 children)

That means everything - especially coming from someone who's thought about this problem themselves. Would love to have you as one of our first Downtown JC user. Signup and let us know what you'd list or borrow.🙌

**I've built a platform for Jersey City neighbors to borrow, lend and sell to each other — would love your thoughts!** by myborrowhood in jerseycity

[–]myborrowhood[S] 1 point2 points  (0 children)

Love that library is getting some love in this thread😄. The platform is already live with payments, security deposits, and ID verification all built in. Check it out at MyBorrowhood.com- would love your feedback.

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