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#8983289 - 03/24/17 05:46 PM so um...at what point do you sell your house?
Risky Business Offline
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Dear CSi, let's have a hypothetical discussion. How much money would it take for you to sell your current place?

If you made half a mil clean is that enough?
If you made a million clean is that enough?
Or you love where you live that you don't give a shit and would just stay the course?

Do you need more, less? When do you really start considering it?

With that said, if you do sell and get half a million or a million+ over what you paid, where do you live for the next 5 years?

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#8983364 - 03/24/17 06:28 PM Re: so um...at what point do you sell your house? [Re: Risky Business]
Big Tasty Offline
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Registered: 02/10/02
Posts: 19600
Loc: Toronto
I am happy where I am now. House is everything I want, kids are settled in school and distance to work is good as well.

I would say if you are looking to move, do it before your kid(s) are in school so that can become part of your requirements in a new house/location. Get's more complicated the further along they are.

Now if you threw stupid money at me, well I could be persuaded. \:D

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#8983376 - 03/24/17 06:32 PM Re: so um...at what point do you sell your house? [Re: Big Tasty]
Big Tasty Offline
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Loc: Toronto
A back split just went up for sale across the street from me. I'm eager to see what the asking and selling price will be, hasn't popped up on MLS yet. Last year a back split on my same street went for over 300k more than what i paid for my 4 bedroom.
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#8983409 - 03/24/17 07:02 PM Re: so um...at what point do you sell your house? [Re: Big Tasty]
Hatorade Offline
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There have been a few TH around that have sold. My area has gone up 30%+ over LY. That said we love the area and have no intentions to move, especially after doing the reno.
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#8983412 - 03/24/17 07:07 PM Re: so um...at what point do you sell your house? [Re: Hatorade]
SW20_MR2 Offline
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Registered: 08/27/01
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Paper gains mean nothing if I still need a house to live in. If I sell, I still have to buy something else. If I had investment properties, I might consider selling, but I don't so it's moot.
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#8983421 - 03/24/17 07:22 PM Re: so um...at what point do you sell your house? [Re: Hatorade]
Risky Business Offline
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 Originally Posted By: Hatorade
There have been a few TH around that have sold. My area has gone up 30%+ over LY. That said we love the area and have no intentions to move, especially after doing the reno.


If you get 1M+ over what you paid, what do you do? Ignore and stay? Sell, if so what do you do about housing for the next 5 years? Rent?

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#8983423 - 03/24/17 07:22 PM Re: so um...at what point do you sell your house? [Re: Big Tasty]
Risky Business Offline
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 Originally Posted By: Big Tasty
I am happy where I am now. House is everything I want, kids are settled in school and distance to work is good as well.

I would say if you are looking to move, do it before your kid(s) are in school so that can become part of your requirements in a new house/location. Get's more complicated the further along they are.

Now if you threw stupid money at me, well I could be persuaded. \:D

If you get 1M+ over what you paid, what do you do? Ignore and stay? Sell, if so what do you do about housing for the next 5 years? Rent?

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#8983424 - 03/24/17 07:22 PM Re: so um...at what point do you sell your house? [Re: SW20_MR2]
Risky Business Offline
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 Originally Posted By: SW20_MR2
Paper gains mean nothing if I still need a house to live in. If I sell, I still have to buy something else. If I had investment properties, I might consider selling, but I don't so it's moot.


If you get 1M+ over what you paid, what do you do? Ignore and stay? Sell, if so what do you do about housing for the next 5 years? Rent?

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#8983425 - 03/24/17 07:24 PM Re: so um...at what point do you sell your house? [Re: Risky Business]
Risky Business Offline
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Let's stop dodging the question, i want to know what CSi would do if someone dangled a carrot of whatever size to make them twitch. Be it half a mil, a mil, 2 mil, whatever.

What's your number and what do you do?

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#8983432 - 03/24/17 07:42 PM Re: so um...at what point do you sell your house? [Re: Risky Business]
Polkaroo Offline
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Registered: 11/17/08
Posts: 94
Loc: Polka Dot Door
5-7% of 1 million is 50-70k/yr. More than enough to pay rent for a little while.

having the opportunity to realize a $1 million return doesnt come alone very often.

Just shows what bs the market it is. Everyone is all talk. Constantly gloating and bragging about how much their places have gone up. yet when push comes to shove. They wont do whats needed to realize those gains.
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#8983453 - 03/24/17 08:07 PM Re: so um...at what point do you sell your house? [Re: Polkaroo]
xza8 Offline
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Registered: 12/18/09
Posts: 1065
Gamble your clean $1M+ (your $1M is just pure profit... I'm pretty sure you have 20%+ from your initial downpayment PLUS your principal repayment) on an underrated area. Buy several homes in Hamilton? You still have 4 years until you need to settle down on a school.
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#8983647 - 03/24/17 10:54 PM Re: so um...at what point do you sell your house? [Re: xza8]
LNXGUY Moderator Offline
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When I can downsize and not have to make a lateral move, or custom build. But there's no way I'm going to sell this place for like 850k and move into another place that's 850k, lol.
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#8983697 - 03/25/17 12:39 AM Re: so um...at what point do you sell your house? [Re: Risky Business]
C J Fly Offline
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Registered: 08/01/00
Posts: 5766
Loc: Tondo, Manila, Philippines
 Originally Posted By: Risky Business
Let's stop dodging the question, i want to know what CSi would do if someone dangled a carrot of whatever size to make them twitch. Be it half a mil, a mil, 2 mil, whatever.

What's your number and what do you do?


Just do it... \:D
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#8983721 - 03/25/17 01:59 AM Re: so um...at what point do you sell your house? [Re: C J Fly]
hyper-s2k Offline
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Registered: 12/01/05
Posts: 14556
Loc: T dot O dot, Canada
Won't move out of the neighbourhood until the youngest is done HS.

Would consider moving further north for bigger home or larger lot with a comparable sized home but with more space for a bigger garage) - ideally not having to top up that much more.
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#8983723 - 03/25/17 02:17 AM Re: so um...at what point do you sell your house? [Re: hyper-s2k]
87ZCSi Offline
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Registered: 09/06/00
Posts: 7166
Loc: Portland and Toronto
Depends where I need to access regularly be it work or in laws etc. Can I move where its cheaper and not affect quality of life? If not, just ignore and live there. Places I like to live (proper house) typically aren't reasonably priced rentals so that's not likely to work.
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#8983756 - 03/25/17 06:57 AM Re: so um...at what point do you sell your house? [Re: Risky Business]
SW20_MR2 Offline
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Registered: 08/27/01
Posts: 5282
Loc: Markham, Ontario, Canada
Based on what our neighbour's house just sold for, we are close to that situation. There is no thought whatsover to sell and rent. We are considering (<10% chance) selling and downsizing, but not getting out of the market. We like the area though, so even if we were to rent, I'm guessing rent would be $2500-3000 per month for a house in this area.

 Originally Posted By: Risky Business


If you get 1M+ over what you paid, what do you do? Ignore and stay? Sell, if so what do you do about housing for the next 5 years? Rent?


Edited by SW20_MR2 (03/25/17 06:58 AM)
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#8983791 - 03/25/17 09:15 AM Re: so um...at what point do you sell your house? [Re: Risky Business]
Big Tasty Offline
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Registered: 02/10/02
Posts: 19600
Loc: Toronto
 Originally Posted By: Risky Business
 Originally Posted By: Big Tasty
I am happy where I am now. House is everything I want, kids are settled in school and distance to work is good as well.

I would say if you are looking to move, do it before your kid(s) are in school so that can become part of your requirements in a new house/location. Get's more complicated the further along they are.

Now if you threw stupid money at me, well I could be persuaded. \:D

If you get 1M+ over what you paid, what do you do? Ignore and stay? Sell, if so what do you do about housing for the next 5 years? Rent?


Would have to be a mil+ to get my wife into the area she wants and the house I want. I'm not downsizing for any area and wife isn't moving any further out.

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#8983805 - 03/25/17 09:28 AM Re: so um...at what point do you sell your house? [Re: 87ZCSi]
Risky Business Offline
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Registered: 05/17/10
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 Originally Posted By: 87ZCSi
Depends where I need to access regularly be it work or in laws etc. Can I move where its cheaper and not affect quality of life? If not, just ignore and live there. Places I like to live (proper house) typically aren't reasonably priced rentals so that's not likely to work.



I guess this is what it comes down to.

Where I live now is what's i've always wanted. Walking distance to family, etc, i feel i will just downgrade myself for no reason and then be at risk of not being able to secure similar housing later.

Now if i had a crystal ball to predict a crash then yes i'd sell and then buy back in when it crashes, but if it doesn't come down in flames i'd be fucked.

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#8983861 - 03/25/17 11:16 AM Re: so um...at what point do you sell your house? [Re: Risky Business]
OracerO Offline
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Registered: 10/07/02
Posts: 3949
Loc: GTA
Doesn't matter how much money i would make on my detached if i can't use that $ to buy another home in a decent area.
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#8984331 - 03/26/17 04:17 PM Re: so um...at what point do you sell your house? [Re: SW20_MR2]
Just A Troll Offline
Curved Street Thug Life
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Registered: 09/24/09
Posts: 2221
 Originally Posted By: SW20_MR2
Paper gains mean nothing if I still need a house to live in. If I sell, I still have to buy something else. If I had investment properties, I might consider selling, but I don't so it's moot.


This!

PS: Based on sale last week of a similar unit. My $750K TH (june 2016) is now over a Mil.

again... on paper
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#8984363 - 03/26/17 04:41 PM Re: so um...at what point do you sell your house? [Re: Just A Troll]
Senor Eduardo_82 Offline
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Registered: 01/09/03
Posts: 38036
Loc: Ca�ada
Met a couple recently who have sold out of their stocks (now in bonds and cash) and sold their home for +650k from where they bought. They will rent instead for less than the carrying costs of their home. If there's a crash, they'll buy back in.
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#8984458 - 03/26/17 07:43 PM Re: so um...at what point do you sell your house? [Re: Senor Eduardo_82]
xza8 Offline
Sr Member


Registered: 12/18/09
Posts: 1065
 Originally Posted By: eddie_82
Met a couple recently who have sold out of their stocks (now in bonds and cash) and sold their home for +650k from where they bought. They will rent instead for less than the carrying costs of their home. If there's a crash, they'll buy back in.



If it doesn't, they'll have a hard time buying back into the housing market such that they may be renters for life.

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#8984464 - 03/26/17 08:04 PM Re: so um...at what point do you sell your house? [Re: xza8]
Senor Eduardo_82 Offline
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Registered: 01/09/03
Posts: 38036
Loc: Ca�ada
 Originally Posted By: xza8
 Originally Posted By: eddie_82
Met a couple recently who have sold out of their stocks (now in bonds and cash) and sold their home for +650k from where they bought. They will rent instead for less than the carrying costs of their home. If there's a crash, they'll buy back in.



If it doesn't, they'll have a hard time buying back into the housing market such that they may be renters for life.


That's quite a stretch. It will cost them more to get back in, but the odds of being renters for life seems pretty low.

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#8984884 - 03/27/17 09:18 AM Re: so um...at what point do you sell your house? [Re: Risky Business]
C J Fly Offline
Post Master Sr


Registered: 08/01/00
Posts: 5766
Loc: Tondo, Manila, Philippines
 Originally Posted By: Risky Business
 Originally Posted By: Hatorade
There have been a few TH around that have sold. My area has gone up 30%+ over LY. That said we love the area and have no intentions to move, especially after doing the reno.


If you get 1M+ over what you paid, what do you do? Ignore and stay? Sell, if so what do you do about housing for the next 5 years? Rent?


Hypothetical 5 year plan.

-Pay off Mortgage and debts.
-Put away for both children university education in full.
-Buy condo in university city where children are going. Rent out property(ies) in meantime.
-Move back in with in-laws, family or rent.
-Continue to make "mortgage payments' to high interest savings acct.
-Bank 1M and wait for market correction or crash, downsize and buy next property in cash.
-Live mortgage/debt free before 50.
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#8984990 - 03/27/17 10:45 AM Re: so um...at what point do you sell your house? [Re: C J Fly]
Screamin Type ARGH! Offline
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Registered: 02/20/01
Posts: 47632
Loc: T.O. - Canaduh
 Originally Posted By: C J Fly
 Originally Posted By: Risky Business
 Originally Posted By: Hatorade
There have been a few TH around that have sold. My area has gone up 30%+ over LY. That said we love the area and have no intentions to move, especially after doing the reno.


If you get 1M+ over what you paid, what do you do? Ignore and stay? Sell, if so what do you do about housing for the next 5 years? Rent?


Hypothetical 5 year plan.

-Pay off Mortgage and debts.
-Put away for both children university education in full.
-Buy condo in university city where children are going. Rent out property(ies) in meantime.
-Move back in with in-laws, family or rent.
-Continue to make "mortgage payments' to high interest savings acct.
-Bank 1M and wait for market correction or crash, downsize and buy next property in cash.
-Live mortgage/debt free before 50.


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#8984994 - 03/27/17 10:47 AM Re: so um...at what point do you sell your house? [Re: C J Fly]
zc911 Offline
Ferrari4Sale 😎
Post Master Supreme


Registered: 01/01/00
Posts: 16449
Loc: toronto
 Originally Posted By: C J Fly
 Originally Posted By: Risky Business
 Originally Posted By: Hatorade
There have been a few TH around that have sold. My area has gone up 30%+ over LY. That said we love the area and have no intentions to move, especially after doing the reno.


If you get 1M+ over what you paid, what do you do? Ignore and stay? Sell, if so what do you do about housing for the next 5 years? Rent?


Hypothetical 5 year plan.

-Pay off Mortgage and debts.
-Put away for both children university education in full.
-Buy condo in university city where children are going. Rent out property(ies) in meantime.
-Move back in with in-laws, family or rent.
-Continue to make "mortgage payments' to high interest savings acct.
-Bank 1M and wait for market correction or crash, downsize and buy next property in cash.
-Live mortgage/debt free before 50.
-buy yellow type R from zc911


Awesome plan dude!
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#8985157 - 03/27/17 12:23 PM Re: so um...at what point do you sell your house? [Re: C J Fly]
Hatorade Offline
pheggit
Post Master Supreme


Registered: 11/05/99
Posts: 26894
Loc: Toronto, ON
 Originally Posted By: C J Fly
 Originally Posted By: Risky Business
 Originally Posted By: Hatorade
There have been a few TH around that have sold. My area has gone up 30%+ over LY. That said we love the area and have no intentions to move, especially after doing the reno.


If you get 1M+ over what you paid, what do you do? Ignore and stay? Sell, if so what do you do about housing for the next 5 years? Rent?


Hypothetical 5 year plan.

-Pay off Mortgage and debts.
-Put away for both children university education in full.
-Buy condo in university city where children are going. Rent out property(ies) in meantime.
-Move back in with in-laws, family or rent.
-Continue to make "mortgage payments' to high interest savings acct.
-Bank 1M and wait for market correction or crash, downsize and buy next property in cash.
-Live mortgage/debt free before 50.


Nice plan, but ditch the HISA. You need to be more tax efficient with your money!!! Fuck the government.
_________________________

'07 997.1 GT3
'08 E90 M3
'11 E90 d
'02 Rota Grid - 195-55-16FR (RIP)
'04 Volk GTC - 245-35-19F/275-35-19R (Sold to a farm boi)
I thought Spark was a robot from the old movie and I kind of remember seeing him telling some engineer showing the equation for a clear metal that the guy would event years later - porschetr

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#8986107 - 03/28/17 08:06 AM Re: so um...at what point do you sell your house? [Re: Hatorade]
markw Offline
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Registered: 01/31/00
Posts: 13977
Loc: Not Toronto
Currently discussing this at home... with work; cobourg isn't far (and I could work from home 2-3 days a week) If we sell, we could purchase a home out there with no mortgage, and bank 6 figures..... prices are climbing FAST out there too... the last 5 families to sell on my street have all gone that way. We'll see.
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#8986279 - 03/28/17 10:04 AM Re: so um...at what point do you sell your house? [Re: markw]
Screamin Type ARGH! Offline
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Registered: 02/20/01
Posts: 47632
Loc: T.O. - Canaduh
buddy at work, new baby and all trying badly to get into SOMETHING out of his basement rental. looking way out in whitby recently and had offer in last night on a place (ash st. i think?) - old ass townhome but ok shape inside...

asking $425k
offer $455k (they can't afford much after that)
sold for...........$620k (if you see the house, WHAT IN THE FUCK, and in whitby no less???)

chinese buyer (shocker ) like 6-7 ppl in the fam or whatever he mentioned lol.

sucks.
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#8986338 - 03/28/17 10:45 AM Re: so um...at what point do you sell your house? [Re: Screamin Type ARGH!]
markw Offline
Post Master Supreme


Registered: 01/31/00
Posts: 13977
Loc: Not Toronto
 Originally Posted By: Screamin DC2R
buddy at work, new baby and all trying badly to get into SOMETHING out of his basement rental. looking way out in whitby recently and had offer in last night on a place (ash st. i think?) - old ass townhome but ok shape inside...

asking $425k
offer $455k (they can't afford much after that)
sold for...........$620k (if you see the house, WHAT IN THE FUCK, and in whitby no less???)

chinese buyer (shocker ) like 6-7 ppl in the fam or whatever he mentioned lol.

sucks.



Yeah, I was watching that one
https://www.realtor.ca/PropertyDetails.aspx?PropertyId=17929507

It's absolutely nutty. Was told to expect 8 for my house.... 8 gets you a lot more house in different areas on Whitby.. why the fuck is my 1600sqft home at a price in line with 3000sqft houses with two garages and a lot more room.
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#8986693 - 03/28/17 01:55 PM Re: so um...at what point do you sell your house? [Re: markw]
Big Tasty Offline
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Registered: 02/10/02
Posts: 19600
Loc: Toronto
Location, location, location.
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#8986754 - 03/28/17 02:38 PM Re: so um...at what point do you sell your house? [Re: Big Tasty]
titty sprinkles Offline
Post Master Supreme


Registered: 08/22/05
Posts: 17160
Loc: Toronto,Ontario
gimmie a mill clean and i'll dip. i don't use like half my house anyway, i'd go into a condo. If i got a mill clean and move to a condo i can retire now.

Edited by titty sprinkles (03/28/17 02:43 PM)
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#8987000 - 03/28/17 04:38 PM Re: so um...at what point do you sell your house? [Re: markw]
Risky Business Offline
Provides a Great Work Environment. he/him
Post Master Supreme


Registered: 05/17/10
Posts: 44789
 Originally Posted By: markw
 Originally Posted By: Screamin DC2R
buddy at work, new baby and all trying badly to get into SOMETHING out of his basement rental. looking way out in whitby recently and had offer in last night on a place (ash st. i think?) - old ass townhome but ok shape inside...

asking $425k
offer $455k (they can't afford much after that)
sold for...........$620k (if you see the house, WHAT IN THE FUCK, and in whitby no less???)

chinese buyer (shocker ) like 6-7 ppl in the fam or whatever he mentioned lol.

sucks.



Yeah, I was watching that one
https://www.realtor.ca/PropertyDetails.aspx?PropertyId=17929507

It's absolutely nutty. Was told to expect 8 for my house.... 8 gets you a lot more house in different areas on Whitby.. why the fuck is my 1600sqft home at a price in line with 3000sqft houses with two garages and a lot more room.



that townhouse for 600k is depressing af, that's worth putting a bullet in your head for.

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#8987017 - 03/28/17 04:58 PM Re: so um...at what point do you sell your house? [Re: Risky Business]
spd-dmn Offline
Post Master


Registered: 11/24/04
Posts: 2271
Oshawa is the same shit now too. Even north oshawa....

New construction homes, offered in 2013 and completed in 2015, near Simcoe & Winchester, which is where Oshawa meets the 407 (aka 1hr to Toronto with zero traffic, unless you take 407 and then its 45-50mins)... were originally sold for 550ish new give or take.

Now selling for $1M.

dafuq

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#8987575 - 03/29/17 08:10 AM Re: so um...at what point do you sell your house? [Re: spd-dmn]
Screamin Type ARGH! Offline
High Value Poster
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Registered: 02/20/01
Posts: 47632
Loc: T.O. - Canaduh
super L E L
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