Category: Real Estate
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Buying a home isn’t always a smart investment
The buy a house, build equity narrative skips the math. In many markets and life situations, renting and investing the difference produces better outcomes.
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The starter home is dead and we should stop pretending otherwise
The starter home as a concept no longer exists in most American markets. Pretending it does just sets first-time buyers up for disappointment.
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House poor is the default state of American homeownership
Most Americans buying homes in the current market end up house poor by design. Here’s how the math, the lenders, and the culture conspire to make it normal.
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FHA loans set up first-time buyers to fail
FHA loans promise homeownership with low down payments, but the structure traps buyers in expensive mortgage insurance and fragile equity positions for years.
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iBuyers were a scam and Zillow proved it
iBuyers promised algorithmic home pricing and frictionless sales. Zillow’s $500 million implosion showed the model never worked at scale. Here’s why.
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Investment properties aren’t passive income
The phrase ‘passive income’ got attached to rental real estate, but the reality is closer to a part-time job with leverage and lawsuits. Here’s the math.