Ren'Py Power Vacuum [Ch. 12 Official] [What? Why? Games]

[Hermit76]

Most probably you can sell the house, but you still would have to pay the mortgage. And then you have nowhere to live.
Maybe a rather foolish idea - except if you really have to.

 

[SuddenReal]

for the same reason why we had a surge in Landlord Porn when the American housing market crashed

Uhm... I don't think... that's not the...

Yeah, I'm not gonna tell him...

 

[John_Cenahh]

Wait, wait, wait, you can sell off a house that you haven't paid for yet?

yes..... yes you can.. do you think everyone with a mortgage is forced to live in the house they bought until the mortgage is fully paid off? no, you put the thing back up for sale, someone buys it (preferably for more than or at least = to the amount owed on current mortgage.), pay off the remaining amount on said mortgage. I thought this was common knowledge.

 

[hankfranklin]

Did anyone notice if the Chapter 12 official had different content than the Chapter 12 Beta version?

 

[MAGO-DAG]

Did anyone notice if the Chapter 12 official had different content than the Chapter 12 Beta version?

 

[Fayn Arawn]

Did anyone notice if the Chapter 12 official had different content than the Chapter 12 Beta version?

Yeah, the "Beta" version is full of soy and cuckoldry.

... seriously though, no significant difference. Usually the official release has spelling/grammar corrections, fixes dialogue attributed to the wrong character, etc.

 

[harem.king]

Wait, wait, wait, you can sell off a house that you haven't paid for yet?

is this news to you?
The bank loaned you the money, but the house is yours and you owe money to the bank.
The bank may repossess your house if you fail to pay your mortgage. If you sell it, you use the money from the sale to pay off the mortgage. Then use the leftover money towards your new house (which gets a new mortgage).

Actually yeah, isn't the House technically the bank's right now until they pay it off?

No, that is not how mortgage works.

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What happens to your mortgage when you sell your home?
When you sell, ideally you’d have enough equity to pay off your loan balance, cover closing costs and turn a profit. Upon closing, the buyer’s funds first pay off your remaining loan balance and closing costs, then you are paid the rest. If you're selling your home relatively soon after purchasing, check with your lender to see if a prepayment penalty applies to your loan.

Incidentally, if your house value dropped a lot and the mortgage is more than its worth. this scenario is called being underwater.
In such a case you can instead declare bankruptcy.
The house gets repossessed. but your debt is all gone. This can be worthwhile if, for example, you owe 500k on a house worth 300k. then by doing a bankrupcy you immediately "earn" 200k dollars
It will mean no buying new home for 7 years (IIRC this game is set in the USA. and in the USA the law states that credit history events get deleted after 7 years. so the banks legally cannot have a record of you having declared bankruptcy 7 years ago).

for those 7 years you will have to rent

 

[harem.king]

Most probably you can sell the house, but you still would have to pay the mortgage. And then you have nowhere to live.
Maybe a rather foolish idea - except if you really have to.

> If you sell your house. you are legally not allowed to buy a new one.
> If you sell your house. you are legally not allowed to rent a place to live in.

lol. lmao even. this is not how it works. not even remotely.

That's some real "Ben Shapiro" level thinking. First somehow get away with murdering your grandfather, then land a decent paying job as a 19-year-old with no skills or experience, then buy a home with no credit and no savings. Super easy, barely an inconvenience!

1. self defense. he literally drugged your sister and tried to rape her. if you knife him on the spot you can easily claim self defense. almost certain to be declared not guilty. very low odds of going to prison.
Worse case scenario... he actually really does go to prison. shrug. shit happens.

2. mom is the one who owns the house and she has a credit score. she must have been paying on time because the house was not repossessed. so her credit should be good to take a mortgage for a different house after selling this one.

3. savings are covered by the sale of the existing home. unless it is underwater then its sale will produce some equity after covering the existing mortgage. which, if you downsize properly (as this family clearly should), would cover a decent down payment.

4. IIRC mom has a job.

5. you say it sarcastically, but it literally is super easy, barely an inconvenience.

In this story, in order to facilitate the kind of porn the dev wants to happen, he has made it so that somehow nobody in the family thinks of the very simple route of just selling their giant fancy home and buying a much smaller one that fits in their actual budget. And the MC is just ok with not only actively hiding from his family the fact that their tenant (hunter) is a drug using rapist. but also pretending to help him while secretly sabotaging him. and ALSO fucking his own mom and sisters because "that is how he can keep them safe from hunter".

The harem is not realistic at all. it is a porn plot.
The netorare is not realistic at all. it is a porn plot.
This is porn, not reality.

The thing is, I never expected it to be realistic.
What I am baffled at is all you people who INSIST that this perfectly realistic scenario and that all the people have no choice but going along with what is a blatant porno plot.

 

[pinkie96]

I don't understand why people are saying Sterling needs to get a job. He and Brenna are already paying the mortgage.

Once Sterling got the money sorted with Brenna he switched to getting rid of Hunter. What delayed it for a few chapters was him being surrounded by 10-15 hotties throwing themselves at him 24/7. Sterling is a teenager and being actively drugged with aphrodisiacs. Having as much evidence as possible when he accused hunter was important as we saw.

Also selling the house was not an option. To convince Ophelia to sell the house while Hunter is paying all the bills and mortgage would require telling her about Hunter which Sterling had little evidence for.

Even if he somehow convinced her without outing Hunter to somehow sell a massive house in a small town to cover both the family's mortgage and new home plus bills. Hunter would just go with them.

 

[Fayn Arawn]

1. self defense. he literally drugged your sister and tried to rape her. if you knife him on the spot you can easily claim self defense. almost certain to be declared not guilty. very low odds of going to prison.
Worse case scenario... he actually really does go to prison. shrug. shit happens.

2. mom is the one who owns the house and she has a credit score. she must have been paying on time because the house was not repossessed. so her credit should be good to take a mortgage for a different house after selling this one.

3. savings are covered by the sale of the existing home. unless it is underwater then its sale will produce some equity after covering the existing mortgage. which, if you downsize properly (as this family clearly should), would cover a decent down payment.

4. IIRC mom has a job.

5. you say it sarcastically, but it literally is super easy, barely an inconvenience.

1) I'm not sure that self defense argument would hold up in court, but the point is moot because I was originally questioning this:

If i were in his shoes, grandad would have an 'accident' pretty much immediately after the first conversation.

At that early point in the story, Hunter hadn't done all the terrible things that keep getting mentioned. You can't justify actions using future events.

2 & 3) If there's equity in the home, then yeah, Ophelia could probably sell it to at least cover her debts, but we don't actually know what she owes so it's hard to say.

4) Ophelia does NOT have a (paying) job, she's been a stay-at-home mom since she was a teenager.

5) Yes it was sarcasm, but also a popular reference.

 

[harem.king]

1) I'm not sure that self defense argument would hold up in court,

it absolutely would.
ESPECIALLY so in the USA where you have a jury.
You need to convince 12 jurors to ALL unanimously vote guilty for you to be declared guilty.

At that early point in the story, Hunter hadn't done all the terrible things that keep getting mentioned. You can't justify actions using future events.

well, fair enough that it would be a lot harder to get acquitted in a scenario where all you have is your own word that he told you he is going to rape the girls and there is no drugged out girl and drug delivery method who can be tested for drugs.

2 & 3) If there's equity in the home, then yeah, Ophelia could probably sell it to at least cover her debts, but we don't actually know what she owes so it's hard to say.

a. dev never actually bothered telling us that the house is underwater. explicitly stating as such would have made it better. although still silly.
b. If the home is underwater. you should declare bankrupcy and then rent a much smaller home at a size you can afford.

You got 4 able bodied people in the house. at least one of them should get a job.

And frankly I would rather move to a trailer park than literally help someone drug and rape my family members.
I also would not try to incest fuck my relatives IRL.
as mentioned, neither the harem nor the NTR is realistic. both are porn plots.

4) Ophelia does NOT have a (paying) job, she's been a stay-at-home mom since she was a teenager.

Huh. ok, well, I misremembered there.
Why does not a single person in the house have a job?
I am not talking high end stuff here. Even basic simple jobs would do.

5) Yes it was sarcasm, but also a popular reference.

I know. I recognized the sarcasm and I recognized the reference.
I am also saying that unironically, it would be super easy, barely an inconvenience.

The meme is about actually difficult to impossible things being glossed over.
Not basic shit like "get a job and spend less money"

 

[dartred]

Lets not forget. Everyone writes Hunter as this "Big Bad", but in reality. All his accomplisments are in non-canon bad ends. The most he has SUCCESSFULLY done in the canon story is touch Ophelia's ass at the start of the game (barely) and keep them on drugs (that have all been to STERLING'S benefit).

Lets face it. Hunter is a joke because he's written to be a joke.

 

[pinkie96]

Lets not forget. Everyone writes Hunter as this "Big Bad", but in reality. All his accomplisments are in non-canon bad ends. The most he has SUCCESSFULLY done in the canon story is touch Ophelia's ass at the start of the game (barely) and keep them on drugs (that have all been to STERLING'S benefit).

Lets face it. Hunter is a joke because he's written to be a joke.

Hey let's not sell him short. Sterling doesn't learn this for a good bit but Hunter groomed Drew to seduce Nora and Keira and then seduced them himself. He then did the same to a bunch of households around the world that he'd then pimp out.

He also didn't barley touch Ophelia's ass. He clearly scooped it.

 

[Fayn Arawn]

it absolutely would.
ESPECIALLY so in the USA where you have a jury.
You need to convince 12 jurors to ALL unanimously vote guilty for you to be declared guilty.

The thing about self defense is it usually has to be a proportional response. I'm not sure murdering a senior citizen over attempted rape is proportional, but hey, I'm not a lawyer.

Why does not a single person in the house have a job?

David, the recently deceased husband to Ophelia, was the one who had a job and paid for everything.

I know. I recognized the sarcasm and I recognized the reference.
I am also saying that unironically, it would be super easy, barely an inconvenience.

The meme is about actually difficult to impossible things being glossed over.
Not basic shit like "get a job and spend less money"

Pfft, if you knew it was a joke, why are you splitting hairs over it? I was sarcastically emphasizing the difficulty a 19-year-old would have getting away with murder, then getting a good job, then buying a house, and I stand by my point. Rhetorically: how old were you when you bought your first house?

 

[dartred]

Hey let's not sell him short. Sterling doesn't learn this for a good bit but Hunter groomed Drew to seduce Nora and Keira and then seduced them himself. He then did the same to a bunch of households around the world that he'd then pimp out.

He also didn't barley touch Ophelia's ass. He clearly scooped it.

right, but i meant what he's accomplished in that house specifically. He does apparently run a secret operation successfully, but that's without Sterling interfering. Which goes to show, that Sterling isn't just sitting back doing nothing. Hunter has a portfolio of things he can do, but Sterling has been able to thwart his every move.

 

[pinkie96]

right, but i meant what he's accomplished in that house specifically. He does apparently run a secret operation successfully, but that's without Sterling interfering. Which goes to show, that Sterling isn't just sitting back doing nothing. Hunter has a portfolio of things he can do, but Sterling has been able to thwart his every move.

True. And in half the bad ends where Hunter wins Sterling or Catherine immediately kill him

 

[harem.king]

The thing about self defense is it usually has to be a proportional response.

1. only in some states.
2. irrelevant if you can convince at least 1 of 12 randomly selected people it was proportional
3. there are literally IRL examples of people being acquitted (and quickly so) for killing someone who sexually assaulted a family member.

Pfft, if you knew it was a joke, why are you splitting hairs over it?

I am not splitting hairs here.
I am explaining it to you because you are not getting it.
I replied to your joke with "meme funny. but unironically yes. to you it is a joke. to me it is the truth"
and you just can't seem to comprehend such a thing

 

[Hermit76]

> If you sell your house. you are legally not allowed to buy a new one.
> If you sell your house. you are legally not allowed to rent a place to live in.

Of course you can. But with which money do you buy the house? You still have the mortgage to pay and not much income.
And paying the mortgage for a house you do not live in anymore and a rent? I would avoid doing that, if I can.

 

[RX-9/C]

Idk why are you people having a presidential debate in a unrealistic satire comedy porn game?

 

[harem.king]

Of course you can. But with which money do you buy the house? You still have the mortgage to pay and not much income.
And paying the mortgage for a house you do not live in anymore and a rent? I would avoid doing that, if I can.

I already explained it 5 times, but lets go again
You pay the mortgage with the money from the sell of the house.
Normally, the mortgage is less than the sell value. Because you have been paying it for years and thus the debt went down. while house values usually go up.
This will leave you with extra funds which you put as a down payment for a new mortgage for a much cheaper home.

For example, if you bought a house for 400k. after 10 years of making payments, you now owe 300k.
there are now 3 scenarios:
scenario A:
You can sell it for 450k. you now have 150k in hand. which you can then use to outright buy a 150k house without mortgage. or you can buy a 200k house where you put a 75% down payment. which gives you a very good deal. or you can move to a trailer park for like 5k and have 145k in the bank.

Scenario B:
if the house value dropped massively for some reason. then the mortgage might be more than its sell value.
something happened to kill house values in that area. you can only sell it for 100k.
your house is underwater. you owe 300k on a 100k asset.

in this case, you should declare bankruptcy.
the bank takes the house. and you owe nothing.
this means you instantly "earned" 200k by just declaring bankruptcy. as you used a 100k asset to pay for a 300k debt.

Both scenarios A and B are a big win for you.

Scenario C:
the worst case scenario is if the house dropped massively, but coincidentally to just the same amount you owe.
The house will sell for 300k. the mortgage is fully paid off, but you have nothing left.

HOWEVER, even in that scenario it will benefit you to downsize.
if your monthly mortgage payment is (hypothetically) 2k. and after downsizing it is 1k. then you just got an extra 1k per month, every month.
This improves your situation a lot.

The way to make a realistic debtor scenario is not with a fucking house payment to the bank.
let me give you some examples of actual realistic scenarios:
1. ongoing medical bills.
Have one of the family members suffer from a disease that requires large ongoing payments. the ongoing part is important. if it was a one and done thing you can just declare bankruptcy. but here even if you clear it once, you need money to pay for the ongoing treatments.

2. loan sharks. a family member did something stupid and now owes the mafia money. you can't declare bankruptcy here, they will kill your entire family. you NEED to pay them off.

there you go, here are examples of realistic debtor scenarios.