this post was submitted on 17 May 2026
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So you think I should split the mortgage 50/50 and be responsible for 100% of maintenance?
Home ownership is so, so much more than a mortgage. In the past five years, I've replaced a sump pump, a water heater, both furnaces, garage door, chimney flue, garbage disposal, several windows, along with remodeling my tenants entire kitchen while mine looks like ass.
If my tenant's HVAC breaks, should I replace it, or tell him that's his responsibility now? Should I tell him he has to mow the lawn and shovel?
My tenant is in his 60s. He wants to live in a nice house with a yard. He doesn't want to be responsible for upkeep, so he pays me to do it instead.
But I guess I'm no better than a private equity firm that buys entire neighborhoods just to raise rent and increase shareholder value.
If he only paid half, you'd be charging half a mortgage to be a handyman at best. There's a huge difference because once you've paid out less than half the mortgage and he's paid out more than half, you own a duplex and he owns nothing.
It's the same assumption all landlords make. The price of sleeping under a roof is equal to the mortgage and the several-hundred-thousand dollar asset at the end is just a little treat for performing the backbreaking labor of having your name on a deed
Do you know what a mortgage is? It's a 30 year, essentially rent-to-own contract. Neither of us are planning on living here that long. My tenant isn't planning on living that long. And even if I owned it outright, I'd be paying property tax and insurance.
Sure, I could come out on top financially. I'm definitely not going to turn a profit but it might be cheaper than renting an apartment in the long run. And in the meantime, I take on all the risk and responsibility until I move and sell the house.
Not everything is a capitalist grift. I'm just trying to get by.
Wether you plan to live there or not in 30 years is irrelevant to the situation.
Your tenant pay over half the mortgage. So you get a subsidized housing, keep the appreciated value of the duplex as well and all that for the basic maintenance of the property?
Golly, what a deal.
It's absolutely relevant if you know how a mortgage works. Payments are ~75% interest in the first decade. I'm not going to have enough equity at that time to make a profit after all the money I put into the house. I'm looking at a $50k loss if the market stays steady. Still cheaper than renting, though.
Yes, my tenant subsidizes my living costs. That's the point of a duplex. I set the rent at what I thought was fair, given my expected losses and the work I put in.
There's no shortage of housing here. If my tenant wanted to, he could buy a house right now. He's waiting until he retires, specifically because he doesn't want the responsibilities of home ownership while he's still working.
I think they're not considering how the portion of rent that only goes toward the mortgage is still profit despite it not being accessible until the home is sold or a loan taken against its equity.