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Tyler
4.6K posts
Tyler
@TBitTwo
Husband. Dad of two. Follower of Christ. Dog & sauna enthusiast. Mortgage pro helping families achieve the American Dream.
Huntington Beach, CA Katılım Haziran 2015
1K Takip Edilen468 Takipçiler
Ran into a banker that does USDA loans.
He said one of there referral sources makes $550,000 from sending them deals.
Where did I go wrong in life?
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@HermesLux If I don't own shares currently is the inverse worth considering 10 delta 40 dte puts?
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The 10-Delta Strategy Index:
The links below should give you everything you need about this strategy. I've fielded a lot of questions over the past two years which I have answered in much detail throughout these links. Bookmark this post for future reference and please share & disseminate it to the widest distribution. For specific personalized help and assistance, please consider subscribing to me and you effectively get a 1-on-1 mentor. I don't tell you what you should do, but I will tell you how you can achieve your trading goals with options and this strategy personalized to you via communication here on X.
The 10-Delta Strategy Presentation (github): github.com/m756615/10delt…
The MSTR 10Δ Liquidation Contingency Plan:
x.com/HermesLux/stat…
The Math Behind the MSTR 10-Delta Strategy:
x.com/HermesLux/stat…
Why maintain 40 DTEs?
x.com/HermesLux/stat…
Gammafication: x.com/HermesLux/stat…
On Theta decay: x.com/HermesLux/stat…
RobinHood video example: x.com/HermesLux/stat…
The Hawk and the Sparrow (analogy): x.com/HermesLux/stat…
Subscribe: x.com/HermesLux/supe…
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Where we live in Europe, the kids are off school what seems to be all the time.. friends and family think we’re always on vacation like some kind of travel influencers… but it’s about the same number of total days as in the US.. just more evenly distributed throughout the year.. summer break is only about six weeks for example.
I have this working theory that this more intermittent school holiday calendar prevents your ability (or motivation) to build commercial momentum… much harder to “get in the zone” when every month or so there seems to be another 1-2 week long school break.
And that this is what contributes to the stereotype (and partial reality) that Europeans are generally less intensive and obsessive when it comes to business.
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Today’s ship:
Financial advisor needs to hire. He has plenty of business, not enough bandwidth. Doesn’t want to pay a recruiter 30%. Pulled 827 local RIAs, scored based on their likelihood to make a move. Dropped the CSV into PhantomBuster with an outreach cadence.
Let's watch.
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Day in the life of a solopreneur who makes $77k per month:
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Client bought a home using a 2-1 buydown. Now nearing year 2. Rather than absorb the rate jump, we’re resetting the clock:
Refi with 2-1 buydown
Year 1 rate stays at 4.75%
Partial refund from prior buydown offsets most of the refi cost. She decided to can kick. I like the call.
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@MorganSeaport @TheRealEstateG6 Yes. 30 year Am. No balloon. Best rates typically come with a 3 yr or 5 yr pre pay.
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This is a perfect example of a great mid-level deal. Pretty clear pathway to make $200k here.
- 6-unit deal
- Low-in place income
- Huge value-add opportunity if you choose the right renovation scope
Property is located in a good supply-constrained market consists of all 2-bed units and is a good piece of real estate (as far as Class C properties go).
The first thing you’ll want to take a look at are the rents.
Rents: There are 3 options to increase rents on a deal like this
1. Increase without renovating
2. Light reno ($10k)
3. Heavy reno ($20k)
Most people would choose options 1 or 2. But since this is a higher end market, that’s the wrong choice.
A light renovation would probably allow you to push rents to $1,800. A heavy renovation would allow for $2,200 rents.
Given that it only costs another $10k to do a heavy renovation and that renovation yields an additional $400/month in rent, the math is pretty simple.
$400 * 12 months = $4,800
$4,800 rent increase / $10,000 renovation cost = 48% return on cost
Obviously if you can get a 48% return on anything, you should probably do it.
Something that’s actually very important in this deal is that all the tenants are month-to-month, none of them are on long term leases. This seems like a bad thing but is actually a good thing.
Reason why this is so important is one word: speed. That means you can get to the units immediately to start renovating.
In a deal where the total profit is ~$200k, if you can start renovating the units immediately, that’s very impactful.
Because of the month-to-month leases, you should be able to renovate all 6 units in just a few months and be in and out of the deal in under a year.
Possible areas of concern:
- Financing may be an issue, given how low in-place rents are and how in-place expenses are not representative of your expenses.
- Exit basis is definitely a bit high at $240k/unit. This is supported by the high rents but could be a cause for concern for future buyers. Mitigant is that the cash on cash will be 10%+ stabilized so you could just hold or refinance as well.
- NOI margin is high at 69%. This is largely because of the high rents. I allocated a full expense load to the asset at $8k/unit (and doubled the seller’s expense load). Less of an area of concern, more of just something to note.
- In-place laundry income seems very high for 6 units. This may include some other income as well, would have to talk to the broker about this.
Despite these areas of concern, it's overall a very attractive deal.
I don’t invest in deals this small anymore, but if you’re just starting out, these are the type of deals you should be looking for.
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@MorganSeaport @TheRealEstateG6 Currently, most residential 2-8 unit DSCR shops are mid 6s
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@TheRealEstateG6 Where can one get that type of financing: 6.5% on a 30 year for a 6 unit?
Doesn’t a 6 unit mean commercial financing - lower amortization and higher interest rate?
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@bramk Hey thanks for jumping in here Bram I have a little challenge going can you explain to me how this guy plans to use bitcoin for national security? If so I'll give you $100
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Lowkey love that they bamboozled the Government with Bitcoin as a Tool for National Security(tm) to the point that a decorated Admiral now sits in front of Congress babbling something about "Bitcoin as a valuable computer science project for US power projection" lmao send help
Bitcoin Policy Institute@bitcoinpolicy
BREAKING: ADM Paparo, 4-star Admiral and Commander of U.S. Indo-Pacific Command, just testified before the Senate that “Bitcoin shows incredible potential” as a tool for U.S. national security. Watch the full exchange:
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Interesting thought this morning as a “Bitcoin maxi”
How on earth is the world letting $MSTR and Saylor buy this much Bitcoin if it’s so important and valuable?
He’s going to have a million in a few months at this late, and I just can’t fathom how people are letting that happen?
Unless no one wants it?
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@PeggyRuhlin @TKopelman What? Loan docs say you have to live in the home 12 months as a primary then do what you want.
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@TKopelman May become less rare, as banks would prefer to get rid of low interest loans in favor of current rates. Don’t make late/miss payments.
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"We plan to move soon, should we turn our primary home into a rental or should we sell it?"
This is a really big decision to make
And most make it without considering all the variables
Here are 5 key factors to consider:
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@joshcrnls As @sunny051488 says, this will age like dog shit wrapped in cat shit
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can someone explain to me why everyone thinks an ai lab made up entirely of engineers is going to build a better design product than a company who has lived and breathed the needs of designers for a decade
Claude@claudeai
Introducing Claude Design by Anthropic Labs: make prototypes, slides, and one-pagers by talking to Claude. Powered by Claude Opus 4.7, our most capable vision model. Available in research preview on the Pro, Max, Team, and Enterprise plans, rolling out throughout the day.
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@helloitsaustin It's a great tool, but I used up almost my entire weekly limit casually working on a single slide deck (less than an hour on the 20X max plan) :(
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we just launched one of the coolest features for marketers today: Claude Design 🎨
I've posted a lot about building marketing tools without being technical, and this is the visual side of that. I described a landing page editor and Claude built me one.
here's an example of my actual workflow with it 👇
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Claude Design (with full context and brand guidelines) vs. our actual hero design.
Brand beats slop every time.
Claude@claudeai
Introducing Claude Design by Anthropic Labs: make prototypes, slides, and one-pagers by talking to Claude. Powered by Claude Opus 4.7, our most capable vision model. Available in research preview on the Pro, Max, Team, and Enterprise plans, rolling out throughout the day.
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@codyschneider Investorcapital .net. mortgage originations. Primary focus is loans for investors and Home Equity Loans
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tell me your company and i'll give you a playbooks to build AI agents to do marketing for them
paid ads
SEO
outbound
social media
email
I'll share all of the channels that will work for you
you'll get a marketing plan you can hand to your claude code to execute for you
tell me your company below
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@KrissBergTweets @MediaKing DMd you in this. The prompt has to be tight. Use chat for the prompt then parlay to Gemini. Use Nano banana in Google cloud console, not Gemini app.
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Thinking about canceling all of our company’s OpenAI subscriptions. Claude is just a magnitude better for basically everything.
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@DamianProsa I got rich exclusively by using debt to buy assets. Definitely not by trying to outwork the money printers but you do you.
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You cannot get rich if you're in debt trying to pay for a middle-man's house and car, or a boat or something equally stupid.
GET RID OF ALL DEBT.
Debt is the currency of the poor.
That means no auto payments, no credit cards, no loans, and no expensive mortgages or rentals.
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