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If you rent to house mates, is that stealing? Do you need to have joint ownership with everyone?
I don't think rentals should exist. You could literally put a house anywhere a couple hundred years ago, and all you needed to do was build it. Now we have artificially stunted the supply of housing to make good little worker bees our of everyone. The threat of homelessness and starvation is a fantastic motivator to not rock the boat in society.
Well, not quite. You'd have to have rights to the land to do that. Else someone could ride up and just take it from you.
I think you have to go back way more than a few hundred years for that.
In the US there were programs that kinda sounded like that but it was just the US government trying to get working class white people to displace native people.
In Europe wasn’t everything owned by nobles snd royals who demanded a cut of your labor? Could people just build a random house anywhere in ancient Rome or Greece?
If you're not charging them above what is required to cover their share of the mortgage, then that's not immoral at all.
But you would be the one getting ownership from the mortgage, so I'd think charging less than the share of the mortgage would be fair. But that ratio depends on your and their particular time value of money, which is hard to pin down. And once you paid off the house, the rent should go to zero?
I agree, that sounds fair.
I suppose after the house is paid off, they could switch to pay the equivalent percentage they were paying for the mortgage, toward property taxes and utilities instead.
My two cents---which is worthless (thanks inflation!):
Not unless you are taking advantage of them. It really is going to depend on the specific situation. But if you are renting to housemates you're not really the landlord class most people are talking about.
But what is taking advantage of them? If someone owns a house outright, isn't charging any rent charging more than you need to? At that point, they're not contributing anything. I agree that's not what most people are talking about, but I don't see how it's categorically different.