Robinson et al v. City of Milwaukee et al

[Harry's Enticer]

They refinanced to a lower rate during COVID and gave up whatever equity they had in the house. You can look them up on homes.com.

They took out a $269k mortgage in November 2018, and then took out another one in November 2021 for $265k. They should have paid down the mortgage by at least $48k during that period, yet the second loan is only $4k less.

According to the same site, they also put down a tiny down payment of about $5k. You normally put like $30k into escrow just to make an offer, and then the down payment is at least 10%, so they definitely bought this house using some kind of poor person special financing.

Actually, my escrow payment was more than an entire down payment on their shitty house would be, so that's a moot point. I can't comprehend what the housing market is in a shithole like Milwaukee.

You think her mom cosigned the mortgage?

 

[quasi101]

They refinanced to a lower rate during COVID and gave up whatever equity they had in the house. You can look them up on homes.com.

They took out a $269k mortgage in November 2018, and then took out another one in November 2021 for $265k. They should have paid down the mortgage by at least $48k during that period, yet the second loan is only $4k less.

According to the same site, they also put down a tiny down payment of about $5k. You normally put like $30k into escrow just to make an offer, and then the down payment is at least 10%, so they definitely bought this house using some kind of poor person special financing.

Actually, my escrow payment was more than an entire down payment on their shitty house would be, so that's a moot point. I can't comprehend what the housing market is in a shithole like Milwaukee.

yeah he mentioned he was paying pmi until then. meaning i think they put down what 3-5% on a 270k house? lmao

 

[IGotATreeOnMyHouse85]

You think her mom cosigned the mortgage?

I’m sure she helped with the down payment - like I said her mom knows she’s a mess so at least with buying the hovel they could rent the other side out for a steady income since her job is vague and pats career depends on selling books that nobody wants to read.

Remember - Niki’s name is first on the loan - probably couldn’t get approved with Pat listed first.

 

[quasi101]

You think her mom cosigned the mortgage?

she didn't, I had someone look into it.

 

[IGotATreeOnMyHouse85]

she didn't, I had someone look into it.

I would say she helped with the down payment - it’s a place they could rent one side for income and the other plus is she can keep an eye on Niki as its well known she makes bad decisions - like marrying Pat. Pat has said they “can’t” move because they would lose their support system of her mom living close by even though both of their “jobs” don’t require them to live in Milwaukee.

 

[WifeStoreWill]

You think her mom cosigned the mortgage?

No, we have the documents

 

[WifeStoreWill]

I would say she helped with the down payment - it’s a place they could rent one side for income and the other plus is she can keep an eye on Niki as its well known she makes bad decisions - like marrying Pat. Pat has said they “can’t” move because they would lose their support system of her mom living close by even though both of their “jobs” don’t require them to live in Milwaukee.

The headshot!

 

[quasi101]

I would say she helped with the down payment - it’s a place they could rent one side for income and the other plus is she can keep an eye on Niki as its well known she makes bad decisions - like marrying Pat. Pat has said they “can’t” move because they would lose their support system of her mom living close by even though both of their “jobs” don’t require them to live in Milwaukee.

Yeah if they had to put down 5 percent on 270k they need help with like 13 grand haha. pmi poorfags.

 

[IGotATreeOnMyHouse85]

Yeah if they had to put down 5 percent on 270k they need help with like 13 grand haha. pmi poorfags.

And Pat couldn’t fathom someone having 17k “laying around” which someone his age should have at least triple that in a 401k or other retirement investments. Didn’t he say “that’s the price of a small car!” When I’m pretty sure even base model small new cars are going to be in the low 20s now. Pat and Niki strike me as the “paycheck to paycheck” mentality yet neither earn a steady paycheck. They get even a small amount of money and they blow it on a trip somewhere stupid. N person rich types

 

[AliceWorquer]

Patrick does do work around the house (because he will always post it on social media).

We all know Patrick doesn't do work around the house, exactly because he posts it all on social media.

 

[AliceWorquer]

Alright bro. I’m new to pat lyfe. I can’t be diggin for every last detail of this fruitcakes life. There should be an faq for this fuck.

Maybe you need to just linger longer

 

[Rick Roblinson]

 

[TorquieTwoBeers]

And Pat couldn’t fathom someone having 17k “laying around” which someone his age should have at least triple that in a 401k or other retirement investments.

I'd go even further than that. When he said that, he was over 40. He should have way more than ~$50k in a 401k by this point. They don't have kids and he signed away his daughter. His car is 15 years old and worth less than $10,000, so presumably no car payment, either. Their only expenses are mortgage and food and whatever shitty vacations they take.

If they weren't lazy pieces of shit, they'd have a lot of money. Even having a $50,000 a year job from his mid-20s to 40 (plus 3% annual raises) should have him well over $100,000. Contributing just $5,000 a year with a modest 6% return and 3% employer match, starting at age 25, would have him close to $200,000 by age 40. That doesn't even include savings and doesn't include Niki, who would have over $100,000 of her own. If they'd both had steady employment since around age 25, by right now their combined net worth of just 401k and savings, so not even including the house, would be within shouting distance of $500k.

Again, that's just $5,000 a year in contributions. No kids, no loans aside from the mortgage, no extravagant purchases, no big medical bills. Any 40+ year old in that situation would be contributing far more than that, unless they were hellbent on paying down the mortgage. If he'd been contributing $10,000 a year since he was 25 (very doable, $200 a week), by his current age of 45, he'd have half a million in his 401k.

Sorry to be long-winded but I think about his finances quite a bit and how bad of a situation he's in. No/low 401k, very little in social security in his mid-40s despite no kids or expenses beyond mortgage. And practically everyone in Pat's sphere is like this. 40-65 year olds, mostly childless, unable to scrape together a few grand as needed or running Go Fund Mes for minor expenses. I don't mean to get all Five Sinks on anyone but it is pathetic.

 

[IGotATreeOnMyHouse85]

I'd go even further than that. When he said that, he was over 40. He should have way more than ~$50k in a 401k by this point. They don't have kids and he signed away his daughter. His car is 15 years old and worth less than $10,000, so presumably no car payment, either. Their only expenses are mortgage and food and whatever shitty vacations they take.

If they weren't lazy pieces of shit, they'd have a lot of money. Even having a $50,000 a year job from his mid-20s to 40 (plus 3% annual raises) should have him well over $100,000. Contributing just $5,000 a year with a modest 6% return and 3% employer match, starting at age 25, would have him close to $200,000 by age 40. That doesn't even include savings and doesn't include Niki, who would have over $100,000 of her own. If they'd both had steady employment since around age 25, by right now their combined net worth of just 401k and savings, so not even including the house, would be within shouting distance of $500k.

Again, that's just $5,000 a year in contributions. No kids, no loans aside from the mortgage, no extravagant purchases, no big medical bills. Any 40+ year old in that situation would be contributing far more than that, unless they were hellbent on paying down the mortgage. If he'd been contributing $10,000 a year since he was 25 (very doable, $200 a week), by his current age of 45, he'd have half a million in his 401k.

Sorry to be long-winded but I think about his finances quite a bit and how bad of a situation he's in. No/low 401k, very little in social security in his mid-40s despite no kids or expenses beyond mortgage. And practically everyone in Pat's sphere is like this. 40-65 year olds, mostly childless, unable to scrape together a few grand as needed or running Go Fund Mes for minor expenses. I don't mean to get all Five Sinks on anyone but it is pathetic.

It’s true, they have nothing and hasn’t paid in properly as they make very little. Of course he claims he pays much more in taxes than others but we know that’s BS. He’s mid 40s and hasn’t put out a book in years and only income seems to be air bnb here and there. They seem like the types to think you just have to pay the minimum on things like credit cards. They get any money and they go on some white trash vacation. They’re adults in age but mentally are two children. If Lynne wasn’t wealthy they would really be fucked.

 

[WifeStoreWill]

It’s true, they have nothing and hasn’t paid in properly as they make very little. Of course he claims he pays much more in taxes than others but we know that’s BS. He’s mid 40s and hasn’t put out a book in years and only income seems to be air bnb here and there. They seem like the types to think you just have to pay the minimum on things like credit cards. They get any money and they go on some white trash vacation. They’re adults in age but mentally are two children. If Lynne wasn’t wealthy they would really be fucked.

He pays more of a PERCENTAGE than non self employed people but 35% of $7800 is still shit.

 

[Mick_Mickerson]

Has the brain trust gathered here realized that the City can still settle, even after requesting a jury trial?

Remember, over 90% of cases settle.

 

[DMbA]

i like that many of the niggas become confident and independent right after the new info dropped, this couldve gone either way if that snazzy nigger handling this case decides he couldve dropped 100k of other peoples money or do actual goverment work for an afternoon

 

[Harry's Enticer]

Has the brain trust gathered here realized that the City can still settle, even after requesting a jury trial?

Remember, over 90% of cases settle.

They're not going to pay a fat retard when they haven't broken any laws.

They settle when cops beat the shit out of a nigger, not when they respond appropriately to 911 calls.

 

[IGotATreeOnMyHouse85]

They're not going to pay a fat retard when they haven't broken any laws.

They settle when cops beat the shit out of a nigger, not when they respond appropriately to 911 calls.

Plus Pat and Niki are white. White people don’t get settlements.

 

[Cygnus Nana X-1]

You're right, I forgot to add the interest, so they would have gotten that much equity in the house. I guess I'm a faggot like Sue.

So they didn't put a $38 trillion down-payment on their house?