Lopez
2K posts

Lopez
@engineeredlopez
engineer and reluctant investor. i dont want to be drafted into paying for your dreams.
Miami Beach, FL Joined Ekim 2025
252 Following52 Followers
Pinned Tweet

@GRITCULT Bro @im_roy_lee kissed a dude for distribution and went gay for pay and still got a down round
English

“Superior distribution can compensate for inferior product, but a superior product
will not sell itself with poor distribution.” — Peter Thiel
Most important part of building is now the distribution.
GRITCULT@GRITCULT
English

Epstein never going down
Palm Beach Pete@not_jeffepstein
Who wants to come to St Barths with us? Going to be amazing.
English
Lopez retweeted

There seems to be some confusion. I was informed that his next book was actually titled “You Fucking Idiot”. My mistake!
Nassim Nicholas Taleb@nntaleb
There is a historical constant: no amount of wealth can liberate a third-rate thinker from intellectual envy or from the deeply degrading sense of scholarly inferiority -- that feeling of impoverished erudition. No amount of wealth.
English

@Daniel142292321 @BigPopz72 I agree
Give me the give send go I’ll send 500k
English

@BigPopz72 How do we know its murder for all we know the mother might have told her to move off the couch and went and touched her shoulder and that made her fear for her life witch i was told that is self defense so this could be a self defense case not murder.
English

Better off doing push ups and pull-ups every day
clip 🛸@clippedszn
Clavicular successfully underwent otoplasty surgery (pinned ears) just days after his nose job with Dr. Miami 😳
English

These are the employees you hire
Make sure you find people who care about your mission
A lot of very intelligent scammers out there looking to burn it all down
They are your enemy don’t let them into your domain
Roy@usr_bin_roygbiv
I just got paid for the full two weeks after no showing a job 2 weeks ago. you can just do things
English

@_ParadiseParis1 @sarcastic_deer 😂 I’m gonna set up the same click bait bro this is genius
English

@VaibhavSisinty Paste this telephone to your prefrontal cortex so we can zap it with a megadose of magnetism while we work on the bots to replace you…
English

A 25-year-old housewife in Chennai earns ₹250/hour ($3) just by doing her normal housework.
She wears a phone on her head and records herself making coffee, cutting fruit, folding laundry.
These first-person videos get sent to AI companies training humanoid robots to handle real-world tasks. She shoots 90+ clips a day.
Her quote: "Who else will pay you ₹250/hour ($3) an hour just for doing housework?"
She's part of a growing gig economy in India where thousands are doing the same thing, filming everyday life to train the robots of tomorrow.
English

@REIMakayla The free market is a beautiful thing
Everyone can get one and the only people not doing it are the people complaining about it on X while begging for more communism to further enslave themselves
It’s poetic I must say
English

Your landlord doesn't have a job
I know this because I'm a landlord and I don't have one either
He bought the building you live in with a loan that doesn't check income. The bank never called his employer. Never looked at his tax returns. Never verified a single dollar he's ever earned
He filled out a form online. Got approved in two weeks. And now your rent check covers his mortgage, his property taxes, his insurance, and whatever he feels like spending the rest on
I'm not making this up. There's a type of mortgage most people have never heard of called a DSCR loan. It stands for Debt Service Coverage Ratio. The bank doesn't underwrite YOU. They underwrite the BUILDING
The only question: does the rent coming in cover the mortgage going out?
If the answer is yes, you're approved. That's the entire underwriting process. A bartender with a 680 credit score gets the same loan as a hedge fund manager if the building cash flows
Your landlord's building probably looks something like this:
Rent he collects from all units: $4,800/month
His mortgage payment: $2,100/month
Ratio: 2.28
The bank saw a building that makes more than double its mortgage payment and rubber-stamped the application. His job, his income, his savings, his debt... none of it mattered. The building is the borrower. He just signed the paperwork
Compare this to what happens when YOU try to buy a house to live in:
You hand over 2 years of tax returns. 2 years of W-2s. 6 months of bank statements. They call your employer to verify you still work there. They calculate your debt-to-income ratio. They question a $500 Venmo from your buddy last March. Then they take 30 days to decide and half the time they say no
Your landlord skipped all of that
And here's the part that'll really piss you off: the rent YOU pay is the thing that got HIM approved. The bank looked at his building, saw that tenants were already paying $4,800/month, and said "this building qualifies." Your money is his credit application
He doesn't need a down payment from his savings either. Some landlords put down 20% from credit cards. Some use cash from a previous deal. Some partner with someone who has cash and split the building 50/50. The down payment on a $300,000 building is $60,000. That's a Toyota Highlander. People finance more than that to drive to work every day
I own 42+ rental units. I refinanced every single one with a cash out refinance DSCR loan. Nobody has ever asked me for a W-2. Nobody has ever called an employer because there is no employer to call. Each building qualified on its own. The rent covered the mortgage. The bank said yes. I moved on to the next one
The lenders that do this: Kiavi, Lima One Capital, Visio Lending, RCN Capital. Dozens of them. All online. Pre-qualified in 48 hours
Your landlord is not smarter than you. He's not richer than you. He's not more connected than you. He just found out about a loan product that approves buildings instead of people
And now your rent is his retirement plan
English

@Connie_codes @coreyepstein Taste is your ability to pick the perfect sans serif font type
English










