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I am single and over 50 in ohio and renting right now. I would like to purchase a small 2 bedroom home in good shape or a condo, Supposidly at lower prices these days. I like the maintainance free Condo idea, but am wary of condo fees I have no control over. In a home if times are difficult I can cut back. In a condo you are stuck with condo fees no matter what. I like the idea of my freedom in owning my own home, but would consider a condo if there are allot of amenities. I also plan on having an office in my home with clients. Can I do this in a condo? I plan this to be my last home. Also, if I do have to relocate, are a condo and home both equal in renting out?
You pose good questions and observations in the house vs condo consideration. I also considered a condo, but the monthly condo fees made me decide to go with a house. As another poster noted, the monthly condo fees could be considered as on account for future repairs. That's probably a good way to look at it. As noted, please check the By-Laws and Rules to know if you can have a business where clients come to you to conduct business. Also about whether you will be able to rent your unit and hold it as an investment property. FHA rules have limits on the number of condo units that are not owner occupied for a property to be eligible for FHA loans. I also agree that some HOA boards become obsessed with *power*. If you purchase a property, whether condo or house, where there is a mandatory home owner's association, you might want to participate in the process from the "git go". Become part of the process and you will have fewer regrets. :) Good luck
A condo is a home, the only difference is that you pay a monthly fee for common expenses. Single family homes can be in a condo association for example. I would not be too wary of condo fees. There are strict rules and the association board is made of other owners, including you if you want to get involved. You can have an office, but you would need to check the condo rules for that association as to whether there may be any restrictions on doing business. There are things to consider like parking for example, and of course neighbors consider their condo a home, not an office space. As for renting, it really depends on the property. In some cases a condo will be less expensive to rent, in others it may be more. Whatever the market will support is what rent will be.
As a condo owner, let me just say I love it!! True, there is a monthly fee, but with that fee, you are paying for future repairs on your home, along with landscaping/mowing and snow removal. As a homeowner, if your roof should fail and begin to leak, you would need to locate reputable contractors, obtain quotes, hope that they are, in fact, reputable... etc. etc. With a condo, that is all up to the association to handle. When shopping for a condo, be sure to obtain a copy of "The Declaration and Bylaws" for review before purchasing. This document will contain information about whether you can run a business out of your home, as well as whether you can rent your condo to another party. Every condominium owners association has different rules and regulations. Educate yourself about what is allowed or not allowed before you buy.
I would say get a home. A small home, because bottom line it is yours and it is your own space. No condo fees, and you are right, there is a TON of freedom in getting a house. With a home, you can make one room a office for you and your clients. Homes generally have more freedom and space. Check out your area, in big cities like Toronto or Chicago go with a condo, but in cities like Pheniox or San Jose, get a home.
Since you asked; Condos have the advantage of close neighbors and lower over all price. But TOO often condo assns become mini gods and create problems for others with arbitrary rules. I suggest being Very cautious of condos and consider houses for now. but if you find a condo assn with good prices and a good rep, go for it.