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Guys, would you feel comfortable moving into a house with the woman you are dating (that she owns) and feel comfortable paying her rent?
Well if she owns it then she isnt paying rent. That's called a mortgage.
As for the question?.....If it were me I'd help out will all the household expenses and offer to pay half of everything. Obviously she was managing prior to you moving in therefore any help would and should be appreciated.
I could see the gf's side of the issue and why she might ask or hint at such a thing. But...I personally would not see the value of paying rent in order to live with my gf in a house that she owns. I'm not saying that anybody who would is wrong. It's just that if I'm going to pay rent I'd like to be able to feel as if I have some sort of ownership (couldn't think of a better term) of my living space and not be subject to the whims of my gf. I just couldn't see putting myself in a position where I'm investing resources into a place in which I ultimately have zero control of my environment should things get rocky. I'd prefer to have my own place.
Guys, would you feel comfortable moving into a house with the woman you are dating (that she owns) and feel comfortable paying her rent?
Edited: Would you feel comfortable living with her and not paying any expenses?
If you live in the home you should be paying for 1/2 of everything related to said home in my opinion.
I can tell you though if it were me and I owned my home and did not have a mortage there is no way I would add you or anyone else to the deed.
If she has a mortage I would be happy to put your name on the mortage so you can be legally and financially responsible if you think you need your name added to the deed.
I would if she added me to the title for the house. That would show how serious she is, or if she's just needing help paying down her mortgage.
I am a woman, so I know the question isn't really for me (although if it was reversed, I would pay my half of the expenses).
I am assuming you are talking about being added to the mortgage title. I would be wary of that. At best, yes you do have some claim on the house... but you are also now legally responsible for mortgage payments. If you girlfriend decides to not pay, guess who the bank comes after?
The other problem is on her end, what if she's owned the house for a while? How do you figure out her equity? I have about $120k in equity in my home right now. If someone moved in with me and I added him to the title, that would be like giving that person $60k of my investments. That's a lot of money for a mere boyfriend.
It's an interesting question really. Because if you help her pay her mortgage, in a lot of ways you are helping her make investments you might not benefit from. I think this is a case where a legal, "living together" contract would be good. Put in a stipulation that when the house sells, you get a percentage back from her that is equivalent to what you "invested" in the property. Don't expect it to be too much if she owes a lot on her mortgage though... most of a mortgage payment is interest early on. Not much principle.
This is why I don't want to live with anyone, lol. Too complicated
I am a woman, so I know the question isn't really for me (although if it was reversed, I would pay my half of the expenses).
I am assuming you are talking about being added to the mortgage title. I would be wary of that. At best, yes you do have some claim on the house... but you are also now legally responsible for mortgage payments. If you girlfriend decides to not pay, guess who the bank comes after?
The other problem is on her end, what if she's owned the house for a while? How do you figure out her equity? I have about $120k in equity in my home right now. If someone moved in with me and I added him to the title, that would be like giving that person $60k of my investments. That's a lot of money for a mere boyfriend.
based on what you just stated it's a fairly equal risk on both sides.
No. She has a job and I'm not living with her. She can pay her own rent.
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