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To buy a $350,000 4 unit property we thought we needed a $70,000 down payment Then we learned we could use a 3.5% FHA loan, have a $12,250 down payment & live rent FREE. Because, real estate 🏡

🚨 DO NOT BUY A HOUSE THIS YEAR, UNLESS YOU’RE A BILLIONAIRE! Rent for now. Wait for a 2008 type market crash to buy your first house. I’ve seen every cycle from the 2008 crash to the 2020 blow-off top. Take a look at this chart. This 2006 bubble topped around 266. If you think the current market is safe, you’re overlooking a deep structural stall. Buying in 2026 is a TRAP, here’s why: Redfin data shows a massive imbalance: 36.8% more sellers than buyers. Demand is at its weakest level since the 2020 lockdown. This isn't a healthy pullback, it’s a breakdown in market momentum. Most homeowners are locked into ~3% mortgages. With 30-year fixed rates stuck around 6.5%, the cost of moving is simply too high. That means no real price discovery. People can’t afford to transact. You’re paying a sticker price on an illiquid asset that hasn’t been stress-tested by real volume. Buying now locks you into a punishing monthly payment while upside remains limited. If you’re levered 5:1 on a house that goes nowhere while you're paying 6.5% interest, you’re not compounding wealth, YOU’RE BLEEDING CAPITAL. THE MACRO PLAY: Wait for the exhaustion phase in late 2026/2027. That’s when the "wait it out" crowd hits life catalysts (divorce, relocation, retirement) and is forced to sell into a cooling economy. That’s when the affordability reset actually happens. If you must buy, do it like a shark: – Stress-test your income for a 20% drop. – Keep your LTV conserstive (avoid negative equity). – Only buy if you can survive a decade of flat prices. Numbers don’t care about feelings. Don’t let your dream home turn into a zombie asset. I’ve studied macro for 10 years and I called almost every major market top, including the October BTC ATH. Follow and turn notifications on. I’ll post the warning BEFORE it hits the headlines.