Category: Real Estate
-
Refinancing is rarely worth it once you do the real math
Refinancing promises a lower rate, but closing costs, reset amortization, and break-even timelines mean most homeowners don’t actually come out ahead.
-
Real estate isn’t passive income, it’s a second job
Rental real estate is sold as passive income, but the time, risk, and operational work it actually requires put it closer to a second job than a portfolio.
-
School districts drive prices more than value
School district boundaries can add 20% or more to a home’s price, often without delivering proportional educational gains. Here’s what the data actually shows.
-
BRRRR strategy ruins neighborhoods and we should say so
The BRRRR real estate strategy extracts value from working-class neighborhoods at scale. Here’s the case for naming the harm instead of celebrating the returns.
-
Title insurance is a racket
Title insurance pays out almost nothing, costs hundreds or thousands at closing, and is required by lenders. Why the product is closer to a tax than a policy.
-
Being a Landlord Isn’t Easy Money
Real estate gurus sell rentals as passive income. The actual numbers — vacancies, repairs, taxes, time — show it’s a job more often than it’s a windfall.