{"id":271951,"date":"2025-06-04T04:21:11","date_gmt":"2025-06-04T04:21:11","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/real-estate\/trendy-tuesday-natalie-bubbleinfo-com\/"},"modified":"2025-06-04T04:21:11","modified_gmt":"2025-06-04T04:21:11","slug":"trendy-tuesday-natalie-bubbleinfo-com","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=271951","title":{"rendered":"Trendy Tuesday \u2013 Natalie | bubbleinfo.com"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-124111\" src=\"https:\/\/www.bubbleinfo.com\/wp-content\/uploads\/2025\/06\/ryan.png\" alt=\"\" width=\"207\" height=\"376\" srcset=\"https:\/\/www.bubbleinfo.com\/wp-content\/uploads\/2025\/06\/ryan.png 207w, https:\/\/www.bubbleinfo.com\/wp-content\/uploads\/2025\/06\/ryan-165x300.png 165w\" sizes=\"(max-width: 207px) 100vw, 207px\"\/><\/p>\n<p style=\"text-align: justify;\"><strong>Is it possible to own real estate in your 20s?<\/strong><\/p>\n<p style=\"text-align: justify;\">My boyfriend Ryan and I have talked about our desire to buy property for as long as I can remember. We just celebrated our 7-year anniversary and I think we\u2019ve talked about homeownership the entire 7 years. As we grow older (and get closer to 30), I can\u2019t help but wonder if it\u2019s even possible to own real estate in your 20s \u2013 specifically in desirable places like coastal Southern California.<\/p>\n<p style=\"text-align: justify;\">As of now, I have zero interest in owning anything out of state \u2013 dealing with tenants and property management from afar seems daunting and like a pain. But as we all know, prices in our area are soaring and with high interest rates, owning either my primary residence or an investment property doesn\u2019t seem all that beneficial if rents aren\u2019t increasing as quickly as home prices. Why take out a loan that will result in a $5,000+ monthly mortgage payment when our rent is under $3,000?<\/p>\n<p style=\"text-align: justify;\">A sizable down payment is almost a necessity with the current rates. Sure there\u2019s FHA loans, but only putting 3.5% down doesn\u2019t help my situation unless I can afford a large monthly mortgage plus the insurance, property taxes, HOA fees, maintenance, etc. I\u2019d rather wait until I have a larger sum to put down.<\/p>\n<p style=\"text-align: justify;\">So how are people actually buying homes at a young age?<\/p>\n<p style=\"text-align: justify;\">I have a friend who received a grant that gave him $50k towards his down payment, so he ended up buying a fixer and thus had more cash to put towards renovations. The program is no longer accepting applicants, but <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.fhlbsf.com\/products\/community-programs-grants\/middle-income-downpayment-assistance\" target=\"_blank\" rel=\"noopener\">see here<\/a><\/span> for more info.<\/p>\n<p style=\"text-align: justify;\">In a recent survey, 60% of Gen Z and 57% of millennials who purchased homes said they couldn\u2019t have done it without family support.<\/p>\n<p style=\"text-align: justify;\">As \u201cstarter homes\u201d are becoming increasingly expensive, younger buyers are opting for condos or the less desirable areas. The cheapest single family home listed for sale in Carlsbad at the time of this writing is $925,000. If you go out to Escondido, you can get a SFR for less than $600,000!<\/p>\n<p style=\"text-align: justify;\">All in all, it\u2019s still possible to purchase real estate in your 20s; it just requires extra assistance, widening the search, settling for what might not be your \u201cdream home,\u201d and careful planning!<\/p>\n<p style=\"text-align: justify;\">I\u2019m sure we will share if I do buy something before I hit 30 \u2013 stay tuned!<\/p>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Is it possible to own real estate in your 20s? My boyfriend Ryan and I have talked about our desire to buy property for as long as I can remember. We just celebrated our 7-year anniversary and I think we\u2019ve talked about homeownership the entire 7 years. As we grow older (and get closer to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":271952,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[99],"tags":[19227,43995,9238,18125],"dealstore":[],"offerexpiration":[],"class_list":["post-271951","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate","tag-bubbleinfo-com","tag-natalie","tag-trendy","tag-tuesday"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Trendy Tuesday \u2013 Natalie | bubbleinfo.com - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=271951\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Trendy Tuesday \u2013 Natalie | bubbleinfo.com - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Is it possible to own real estate in your 20s? 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