All of how our society operates is under threat of punishment when you have no access to food housing or healthcare by not making an income. If you we have threat of punishment for the working class we can also have threat of punishment for the owners. It’s the only way to fairly enforce the social contract under our current economic system. Obviously it’s bad to operate this way and what we are seeing is a direct result of a class of people not being held accountable for their end of the social contract.

I have and officially on paper he is a normal renter. Since this kind of deal doesn’t happen there’s really no system so his payout is a handshake deal on sale, as of now only around 8%. As for if the property is kept, once fully paid off he would receive a yearly dividend of what was made off rent, which wouldn’t be much as we won’t charge much above operating and maintenance cost. Truthfully keeping it is the less likely option as we would like to sell so he can walk away with a decent down payment on his own place.

I hate this about our system. To combat this i am sharing equity with the guy that rents a room. I’m tracking how much his rent payments go to paying off the mortgage (which I can make myself, it’s just a larger house with rooms to spare) he will get a check based off the percent he paid off on sale, or a percentage of revenue if we end up keeping and paying it off years later. Finance people think I’m crazy giving up that much equity. I just hated tossing rent money to the void, so I figured now that I’m in a position to change my little corner of the world, I will.

Are you completely financially secure? If not work on that. If you are, find something to volunteer for and give back to society, help your local community prosper.