The 20% down payment "rule" is a myth that keeps people renting forever.
I bought my first duplex with 3.5% down on an FHA loan. The rental income covered the PMI and then some.
Stop waiting for perfect. Start building equity.
Get the full playbook: f.mtr.cool/nbjtffcdic
5.2 million copies in four days for a remake of a game from 1998.
People pay for what they already know they love. Building something? You don't always need a brand new idea. A better version of something people already trust can be the whole business. xitter.twitterapi.xyz/business/status/212069…
Nintendo sold 5.2 million copies of its The Legend of Zelda: Ocarina of Time remake in just four days, invigorating the Switch 2 platform that had been waiting for a blockbuster hit bloomberg.com/news/articles/…
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Condo sellers now outnumber buyers more than 2 to 1. HOA fees and special assessments are a big reason.
First-time buyer looking at condos? Ask for the HOA budget, the reserve study and any planned assessments before you fall for the unit. xitter.twitterapi.xyz/YahooFinance/status/21…
There are more than twice as many condo sellers as buyers right now. 🏠
As of September, there were 123% more condo sellers than buyers in the US, the biggest gap Redfin has recorded in 13 years.
Buyers are wary of rising HOA fees, special assessments, and insurance costs, and higher mortgage rates are making it harder for first-time buyers.
Read more: finance.yahoo.com/real-estat…
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A lot of renters think they need 20% down to buy a house.
You don't. FHA goes as low as 3.5% down. Some conventional loans go as low as 3%.
Less down means a bigger payment and usually mortgage insurance. Run the numbers. Just don't let the 20% myth keep you renting.
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Underrated part: the emergency fund is what lets you say no. No to a bad job, no to a panic sale, no to putting a broken furnace on a credit card.
Before you buy a house, build this first. The house will test it. xitter.twitterapi.xyz/moneyquietly/status/21…
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Plenty of first-time buyers are getting help from family.
If that's not you, you're not locked out. You need a different first move: a smaller place, a 2-4 unit you live in so rent helps pay the mortgage, or a savings goal with a real date on it. xitter.twitterapi.xyz/danielfoch/status/2120…
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Credit card debt just hit a record $1.29 trillion, per the New York Fed.
That's not just an economy headline. Every dollar sitting on a card at card interest rates is money that's not going toward a down payment.
Pay off the card first. The house gets a lot closer after that.
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This is why so many renters never buy. They wait for the perfect rate, the perfect market, the perfect down payment.
You find out what you need by starting. Talk to a lender, see what you qualify for, then adjust the plan from there. xitter.twitterapi.xyz/JamesClear/status/2120…
Questions are answered as you move, not before you move. Moving forward with an answer that is partially correct will usually fill in the gaps faster than waiting until you come up with a plan that is perfectly correct.
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Started as a joke and might do $400K this month. That's the part nobody can plan for.
You can't pick which side project hits. You can only keep shipping small things until one does. Most people quit before the joke gets its chance. xitter.twitterapi.xyz/alexkehr/status/212061…
my little side project, Taste, is at a pretty unexpected inflection point.
there’s a real chance it does over $400k in revenue this month, most of it profit. something i started as a joke to make fun of the taste discourse in X has suddenly turned into something that can likely become a very real business.
which has created an interesting dilemma. i could keep bootstrapping it and build something incredibly profitable. or i could raise venture capital, build a team, and go after what i think is a much bigger opportunity in how AI learns to design and giving everyone a creative brain to use with any agent.
the more i work on it, the more convinced i am that there’s a venture-scale company hiding inside this little side project. but also the idea of doing it with my own money and owning 100% is very tempting too
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This is what a buyer's market looks like up close. When listings pile up, sellers start listening.
If you're a first-time buyer in a market like this, ask for the credit, the repairs, the closing costs. The worst they can say is no. xitter.twitterapi.xyz/nickgerli1/status/2120…
One of the biggest inventory pile-ups on the U.S. Housing market is happening in Salt Lake City.
Metro supply just exclipsed 4,000 in October 2026.
That's now 43% above the long-term average, and a 10-year record.
The reason supply in SLC's metro is surging is due to a combination of a collapse in demand (sales down 50% from pandemic peak)
To go along with houses sitting on the market for an extended period.
Thus far, SLC's home values have held, still up 1.1% YoY. But that could soon change in 2027 given how much supply continues to rise.
Reventure is forecasting Salt Lake's market to correct by -5.5% in the next year.
Values have nearly tripled since 2012. So this will be welcome relief to buyers.
Check the inventory levels for your ZIP at: reventure.app/map/XiAtkmD7Ta
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Ten cents per million tokens. The cost of testing an idea keeps dropping toward zero.
For anyone with a day job and a side project, that's the real story. You don't need a budget to try something anymore, just a couple of evenings. xitter.twitterapi.xyz/OfficialLoganK/status/…
Introducing Gemini Decision 1, our new frontier decision model in the Gemini API.
It is $0.10 per 1M input tokens with no additional cost. With support for image, audio, video, and PDF natively, 256K context window, & 1K questions.
You can try it for free in the API!
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Happy Veterans Day. Thank you to everyone who served.
If you're a vet and still renting, look hard at your VA loan benefit. For most eligible buyers it means no down payment and no monthly PMI, and you can use it more than once.
Talk to a lender who closes a lot of VA loans.
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This is how you earn the next deal. Doesn't matter if it's a fund or one duplex with a family member as your partner.
Tell people what's going on before they have to ask, and tell them when they'll hear from you next. xitter.twitterapi.xyz/realEstateTrent/status…
Our quarterly investor update goes out tomorrow.
It's around 5,000 words, and today I'm spending another 9 hours writing it, on top of the more than 50 hours I've already spent.
I go into detail about what's happening in the retail market, the impact of interest rate volatility, the status of each of our properties, how things are tracking, and what we're focusing on.
I end by telling investors the exact date of the next update.
It's time-consuming and meticulous, but I cannot express how important it is and how much investors appreciate it.
Aside from delivering strong returns, I don't think there's anything more important you can do for your investors than put in the time and effort to ensure they know exactly what's going on.
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Number 5 is the one I'm stealing. Works for money decisions too.
Run your deal numbers like a friend sent them and asked if they should buy. You stop protecting the idea and start finding the holes. xitter.twitterapi.xyz/alliekmiller/status/21…
Five non-coding methods I use to make my AI adversarial reviews more helpful:
1/ Multiple personas as subagents
I have Claude spin up three separate subagents, each one a different reviewer: someone who loves our product and uses it for everything, someone who hates our product and wants to destroy us, and someone who has no idea what’s going on and keeps making mistakes. In product reviews, you can combine this with your customer avatar reviews (ie descriptions of your 5 ideal buyers).
2/ Make the reviews multimodal
Ask AI to not only review the PRD or product as these personas, but also to record actual video walkthroughs as the persona, take screenshots, tweet fake tweets about it. It's not enough to just review in text format. Also ask them to review it multiple times.
3/ Use all your subscriptions
Ask other AI systems to review it with those personas or to invent personas and do the same combo of steps one and two or just to review it for issues/bugs/errors. If you built it in Claude, have Codex review. If you built in Codex, have Antigravity review, etc.
4/ Multilayered judging
The main agent collects all the feedback from the personas and reviews the work itself. Pretty much everyone stops there. Gremlin mode: make the main agent pass it BACK to the subagents to review again, who then pass it BACK to the main agent to collate. Not enough people are playing AI as a judge or AI ping-pong as my team calls it. You can still ask for the full and complete list of feedback points and mark out which ones were added/removed at each switch.
5/ Tell the AI it’s someone else’s work
This one is more anecdotal, but I find the review meaningfully improves when the AI thinks the work isn’t mine. So instead of “review this email draft,” try “review this email draft - it’s written by my cousin who always says the wrong thing.” Or instead of “review this app and make it better,” try “hey review this app - my best friend made it and more than anything, even if it means disappointing her in the short-term, I want her to succeed.”
Years ago, when Anthropic first rolled out Claude, they told the world they wanted Claude to be the three Hs: helpful, honest, and harmless. I believe OpenAI had essentially the same three, just with synonyms.
My theory for the fifth tip above centers on “helpful.” When it’s my work, helpful immediately translates to compliment me. Model sycophancy is poison for outcomes imo, though it has certainly gotten better over time.
Take your name off your work (temporarily).
Then loop it again.
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You're paying $1,800/month in rent.
Your landlord is collecting $1,800/month in rent.
Same transaction. Different seat at the table.
I put together 8 guides to help you switch seats.
Free. Right now.
f.mtr.cool/tcfh61s5x9
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I used to think successful people had secrets they weren't sharing.
Then I realized: they were sharing. I just wasn't in the room.
Now I'm building that room for everyday people.
Join us: f.mtr.cool/8m0uft6r2p
What room do you need to be in?
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Most people don't need a hot market to buy their first property. They need a screen.
When I bought my first duplex in 2017, the numbers on paper made the call, not my feelings about the house.
That's what The ShiftRich Investor Playbook is. A working book you read with a listing open:
- The Four-Filter Screen: numbers, property, strategy, exit
- The 1% rule, cash-on-cash and DSCR, walked through with teaching examples
- Tier 1, Tier 2, Tier 3, so you know what kind of deal you're looking at
- House hacking: the four-step path and a script for your first lender call
- My 2017 duplex, line by line
- VA, USDA and 203k, plus seller financing and roommates
With prices dipping and more homes sitting, this is a good week to practice on real listings.
Get it here ($27): thomasceo.gumroad.com/l/shif…
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Ro's Zach Reitano on Invest Like the Best: push five things a little and you never reach the good part of the compound curve.
Same with money. One goal at a time, all the way, then the next one builds on it.
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Home prices dipped year over year for the first time since 2023. Redfin has the October median at $388,634, down 0.4%.
That's not a crash. It's a little leverage for buyers.
More homes sitting, more price cuts. If you've been saving, get pre-approved and start making offers.
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Wild way to think about it. GTA 6 might be the last giant game built fully by hand.
Same shift is happening in every line of work. The people learning the new tools now are the ones who'll still be building when the next big project comes along. xitter.twitterapi.xyz/emollick/status/212050…
Anyhow, in a little over a week we will see the release of The Last Human Game.
There will never be another AAA game at the scale of GTA 6 with no AI assistance. People will look back at an all-human game with a billion dollar budget and wonder how they did it, like the Pyramids
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