Buying a house in a dodgy area

katiek102010 · 17-06-2019 2:18am #1

Or stay renting knowing you could be homeless at any time.

You know that by buying the house you have a high chance of:

1) ongoing noise issues from next door
2) never be able to let kids play outside
3) 1st thing you do prior to moving in is buy a high quality alarm
4) 2nd thing is turn front garden into a driveway with lockable access as it's not advisable to leave cars on road.
5) run a high risk of not being able to sell the house in future
6) previous occupant was murdered.

Pro's
1) you can pay cash but don't earn enough to get a mortgage
2) amazing school in the area
3) 20 mins from family
4) no stress trying to get a better paying job or childcare to allow you to work longer hours to secure a mortgage

What would you do

17-06-2019 2:26am

Why would you not be able to sell in future?

Houses sell in bad areas all the time. It's how bad areas generally tend to gentrify.

McDermotX · 17-06-2019 2:26am

Smells like Clondalkin

Kermit.de.frog · 17-06-2019 2:36am

Ok, I can just about live with the rest but...

katiek102010 wrote: »

you have a high chance of:

...6) previous occupant was murdered.

katiek102010 · 17-06-2019 2:39am

Deleted User wrote: »

Why would you not be able to sell in future?

Houses sell in bad areas all the time. It's how bad areas generally tend to gentrify.

House has been up for sale on and off 2 plus years. It needs some work doing to it but the work needed does not justify the low price. The copper tank etc has been removed by the neighbours.

It's also the murder House but new flooring and paint fixes that.

The people in the adjoining house are from a certain ethnic minority and by all accounts come alive at night.

Friends cousin lives in estate and her house is worth half what her mortgage is and this is half that. She has advised we call around 2am any night of the week.

I have the opinion that cctv, guards and if needs court will put a stop to it but oh Thínks I'm crazy

katiek102010 · 17-06-2019 2:40am

McDermotX wrote: »

Smells like Clondalkin

No, couldn't afford a shed there

katiek102010 · 17-06-2019 2:41am

Kermit.de.frog wrote: »

Ok, I can just about live with the rest but...

Appeals to the dark side of me

NIMAN · 17-06-2019 2:53am

Can't understand why anyone would consider buying a house and taking a mortgage of maybe 25 to 30 years when they know the area is sh1t?

Is this a serious question OP?

You'll always find somewhere to rent, just move a bit.

katiek102010 · 17-06-2019 3:13am

NIMAN wrote: »

Can't understand why anyone would consider buying a house and taking a mortgage of maybe 25 to 30 years when they know the area is sh1t?

Is this a serious question OP?

You'll always find somewhere to rent, just move a bit.

This is a serious question

As I said there will be no mortgage, I can pay cash

Moving is not an option. We have a disabled child and need to be near family. Currently there are 0 houses for rent within a 20 mile radius

Kermit.de.frog · 17-06-2019 3:16am

katiek102010 wrote: »

This is a serious question

As I said there will be no mortgage, I can pay cash

Moving is not an option. We have a disabled child and need to be near family. Currently there are 0 houses for rent within a 20 mile radius

Where do you live? The Aran Islands?

NIMAN · 17-06-2019 3:18am

katiek102010 wrote: »

This is a serious question

As I said there will be no mortgage, I can pay cash

Moving is not an option. We have a disabled child and need to be near family. Currently there are 0 houses for rent within a 20 mile radius

Sorry, didnt see the cash buyer bit. I'll admit, reading the cons, I didn't read any further.

All I have to say, if points 1) to 4) are accurate in your list, you'd be mad to buy.
Would I buy a house where my kids are prisoners and can't go out?

Seriously.

katiek102010 · 17-06-2019 3:20am

Kermit.de.frog wrote: »

Where do you live? The Aran Islands?

In munster

katiek102010 · 17-06-2019 3:24am

NIMAN wrote: »

Sorry, didnt see the cash buyer bit.

All I have to say, if points 1) to 4) are accurate in your list, you'd be mad to buy.
Would I buy a house where my kids are prisoners and can't go out?

Seriously.

The points are accurate.

I ha é lived in UK for a no of years and in the long term would the guards not deal with the crowd next door.

Is on going anti social behaviour not a criminal offence here?

The house is similar money wise to buying a brand new family saloon

Ardillaun · 17-06-2019 3:43am

I’d be more inclined to take a chance in Dublin where gentrification could rapidly transform a neighbourhood. Down in somewhere like Limerick you could be waiting a long time for that, and if you’re an outsider the locals could gang up on you. I wouldn’t do it. Good luck either way.

freshpopcorn · 17-06-2019 3:44am

I might consider it if I could sound proof it.(Might being a very small might).

donegal_man · 17-06-2019 4:10am

There's no way on earth I'd even consider buying a house that required fortification to the level you suggest OP especially with a disabled child.

17-06-2019 5:50am

A certain town in Tipperary?

NIMAN · 17-06-2019 6:31am

katiek102010 wrote: »

The points are accurate.

I ha ived in UK for a no of years and in the long term would the guards not deal with the crowd next door.

Is on going anti social behaviour not a criminal offence here?

The house is similar money wise to buying a brand new family saloon

Are your potential neighbours from the travelling community?

If so, you can forget about every getting any peace or help from the guards.

I wouldn't take a house beside them for nothing.

Wanderer78 · 17-06-2019 6:35am

Sometimes it's a decision between two **** options, so I guess try pick the less **** one, and hope for the best

17-06-2019 6:47am

NIMAN wrote: »

Are your potential neighbours from the travelling community?

If so, you can forget about every getting any peace or help from the guards.

"So, you knew who you were moving next to and their well known cultural predilections... And you Now want me to sort it out for you?"

Mrs OBumble · 17-06-2019 7:19am

Your OH is right re craziness.

The vast majority of renters are never made homeless.

katiek102010 · 17-06-2019 7:42am

Deleted User wrote: »

A certain town in Tipperary?

Yup

katiek102010 · 17-06-2019 7:47am

Wow I wasn't expecting everyone to agree with my oh.

I'll move on to plan B so and sit tight. Thing is if I did by it, it would be a huge chunnk out of our deposit.

Some people say its fine there. Others tell me I'm mad to do it and I'm throwing away that money as I will be driven insane.

evolving_doors · 17-06-2019 7:51am

katiek102010 wrote: »

House has been up for sale on and off 2 plus years. It needs some work doing to it but the work needed does not justify the low price. The copper tank etc has been removed by the neighbours.

It's also the murder House but new flooring and paint fixes that.

The people in the adjoining house are from a certain ethnic minority and by all accounts come alive at night.

Friends cousin lives in estate and her house is worth half what her mortgage is and this is half that. She has advised we call around 2am any night of the week.

I have the opinion that cctv, guards and if needs court will put a stop to it but oh Thínks I'm crazy

Well youve just answered your own post, but seeing as its AH i strongly advise you to buy the murder house OP. Let us know how you get on.

My advice is based on nothing and I'm looking for laughs.

Abba987 · 17-06-2019 7:58am

I wouldn't even consider it. For cash for free or even if I was paid

Hedgelayer · 17-06-2019 8:06am

I live in a dodgy area myself, there's a beautiful lake down the road it's quite deep, dangerous for swimming.
Then there's lots of green pastures, and there's bulls in some Fields.

There's a river near by can be high in the winter.

Then there's tight road's you could loose a mirror while driving around a bend,or hit a fox or badger late at night.

Going hiking can be quite dodgy too, you could slip and fall down a crevice.

Yes North Clare can be a dodgy area to live in if you don't have your wit's about you.....

Every area has something dodgy about it....

Hedgelayer · 17-06-2019 8:08am

katiek102010 wrote: »

Wow I wasn't expecting everyone to agree with my oh.

I'll move on to plan B so and sit tight. Thing is if I did by it, it would be a huge chunnk out of our deposit.

Some people say its fine there. Others tell me I'm mad to do it and I'm throwing away that money as I will be driven insane.

There's still nice house's in rural Clare you might be able to afford near Doonbeag, Ennistymon is an up and coming place too...

Keep your options open....

Nikki Sixx · 17-06-2019 8:09am

The previous occupant having been murdered there would be the alarm bell going off in my head.

Nikki Sixx · 17-06-2019 8:10am

Abba987 wrote: »

I wouldn't even consider it. For cash for free or even if I was paid

Yes it’s cheap for a reason. Probably a council estate from hell.

Nikki Sixx · 17-06-2019 8:13am

What town in Tipp is so rough?

Stroke Politics · 17-06-2019 8:23am

Best property advice I ever got was buy the cheapest house you can find in the best area you can afford, but that’s really only relevant in built up areas.

Could you build on your relatives property or buy a home through a housing cooperative?

macnug · 17-06-2019 8:24am

I bought a house from NAMA, cash, in a town in the midlands that wouldn't have the best reputation, the estate was a partial ghost estate so didn't know what I was buying into. Worked out very well for us tbh, estate is lovely (so far) even thought the council have bought a fair few. But then I grew up on council estates in Dublin so anywhere seems better than those places.

Sky King · 17-06-2019 8:28am

katiek102010 wrote: »

Some people say its fine there. Others tell me I'm mad to do it and I'm throwing away that money as I will be driven insane.

I wouldn't do it in a million years - i work in a rough area and i thank my lucky starts i can go to a fairly pleasant estate in the evenings and not have to look out my window at bareknukle boxing, people beating the **** out of animals and helping horses ride each other in the middle of the road.

My cousin moved into a house next door in a well known area next door to a certain irish cultural subset. Driven demented. Like, his wife was threatened and everything. Couldnt wait to leave.

Mad_maxx · 17-06-2019 8:28am

katiek102010 wrote: »

Or stay renting knowing you could be homeless at any time.

You know that by buying the house you have a high chance of:

1) ongoing noise issues from next door
2) never be able to let kids play outside
3) 1st thing you do prior to moving in is buy a high quality alarm
4) 2nd thing is turn front garden into a driveway with lockable access as it's not advisable to leave cars on road.
5) run a high risk of not being able to sell the house in future
6) previous occupant was murdered.

Pro's
1) you can pay cash but don't earn enough to get a mortgage
2) amazing school in the area
3) 20 mins from family
4) no stress trying to get a better paying job or childcare to allow you to work longer hours to secure a mortgage

What would you do

Your first mistake is believing you can be made homeless at any time as a renter

Wanderer78 · 17-06-2019 8:30am

Mad_maxx wrote: »

Your first mistake is believing you can be made homeless at any time as a renter

so none of those that are currently homeless were renters?

Mad_maxx · 17-06-2019 8:32am

Deleted User wrote: »

Why would you not be able to sell in future?

Houses sell in bad areas all the time. It's how bad areas generally tend to gentrify.

Most bad areas don't gentrify

boombang · 17-06-2019 8:32am

katiek102010 wrote: »

I ha é lived in UK for a no of years and in the long term would the guards not deal with the crowd next door.

Is on going anti social behaviour not a criminal offence here?

You've been away too long. Ireland does not enforce responsibility or protect working people from anti social behaviour. That's why the house is cheap.

Mad_maxx · 17-06-2019 8:38am

Wanderer78 wrote: »

so none of those that are currently homeless were renters?

I'm sure plenty were. My point was it doesn't happen over night

"homeless" is now a political term anyway

Wanderer78 · 17-06-2019 8:40am

Mad_maxx wrote: »

I'm sure plenty were. My point was it doesn't happen over night

"homeless" is now a political term anyway

id imagine some homeless situations do actually happen over night, but id also imagine some warning signs are evident. homelessness is a real world term, that affects many globally, its also a reality for many thousands in our own country

Mad_maxx · 17-06-2019 8:44am

Wanderer78 wrote: »

id imagine some homeless situations do actually happen over night, but id also imagine some warning signs are evident. homelessness is a real world term, that affects many globally, its also a reality for many thousands in our own country

I believe other threads exist which are more suited to sociology based viewpoints, the OP has specific concerns which relate to them in practice

17-06-2019 8:54am

katiek102010 wrote: »

Yup

If it's the place I'm thinking of I considered it for an investment property amongst thousands of others judging by the views, but thought against it.

It was a ghost estate with the original houses up to good spec.

If your neighbours want a house for a family member your life will be made hell until...

dhaughton99 · 17-06-2019 8:59am

If you weren’t already brought up in the area and played your part in turning the area into a **** hole, then don’t bother.

Hector Savage · 17-06-2019 9:36am

NIMAN wrote: »

Are your potential neighbours from the travelling community?

If so, you can forget about every getting any peace or help from the guards.

I wouldn't take a house beside them for nothing.

This 100%.

OP if you are serious it's just not worth the hassle.
Forget about, they will make your life a living HELL.

katiek102010 · 17-06-2019 10:27am

Stroke Politics wrote: »

Best property advice I ever got was buy the cheapest house you can find in the best area you can afford, but that’s really only relevant in built up areas.

Could you build on your relatives property or buy a home through a housing cooperative?

Thats not an option. All parents deceased. What's a housing Co operative

katiek102010 · 17-06-2019 10:33am

Mad_maxx wrote: »

Your first mistake is believing you can be made homeless at any time as a renter

My sons friends family are being made homeless at the moment. They live in our area. Landlord wants the property for a family member.

They have 4 kids, youngest is disabled. They both work, mum part time 3 hrs a day around disabled sons hours. They rely heavily on family to help. Dad helps with care for his dad as family look after him at home

There are currently no properties to rent within a 20 mile radius.

katiek102010 · 17-06-2019 10:35am

Deleted User wrote: »

If it's the place I'm thinking of I considered it for an investment property amongst thousands of others judging by the views, but thought against it.

It was a ghost estate with the original houses up to good spec.

If your neighbours want a house for a family member your life will be made hell until...

It probably is the same estate. There are currently 2 properties there. I have enough to buy both cash. I was thinking of 1 as an investment

Grayson · 17-06-2019 10:36am

NIMAN wrote: »

Can't understand why anyone would consider buying a house and taking a mortgage of maybe 25 to 30 years when they know the area is sh1t?

Is this a serious question OP?

You'll always find somewhere to rent, just move a bit.

Renting isn't secure. I'm facing the same decision. I'm on enough money to buy a house in a bad neighbourhood. I'm barely able to but an apartment is a regular neighbourhood. The main reason to buy is simply because i don't want to be renting when I get old. There's no security.

BattleCorp · 17-06-2019 10:40am

Ethnic minority neighbours. Not a fcuking chance.

BattleCorp · 17-06-2019 10:41am

katiek102010 wrote: »

It probably is the same estate. There are currently 2 properties there. I have enough to buy both cash. I was thinking of 1 as an investment

If you have enough cash to buy two houses in that estate but not enough cash to get a mortgage in a nicer area, then that should tell you all you need to know about that estate. It must be a real dive altogether.

LirW · 17-06-2019 10:43am

As far as I recall there's no immediate threat for you to be given notice. If that's the case, sit tight, keep saving.
If all parents are deceased what family do you need to be close to? Maybe moving further afield and driving is the best out of all non-ideal options. Like I drive my daughter to crèche 25km each way because there was no suitable crèche or childminder around that could cater the hours we need.

If this is literally the only cheap house, don't do it. Especially if you know that this really is rock bottom. Keep renting and work towards a better, more sustainable solution.
Many people live further away from work and have to make it work somehow with no family close by. It's not ideal but needs must.

Sephiroth_dude · 17-06-2019 10:43am

Mod

Moving this to Accommodation.

Please read charter before posting.

Buying a house in a dodgy area

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