Lopez

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Lopez

Lopez

@engineeredlopez

engineer and reluctant investor. i dont want to be drafted into paying for your dreams.

Miami Beach, FL Tham gia Ekim 2025
252 Đang theo dõi52 Người theo dõi
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Lopez
Lopez@engineeredlopez·
reinforced learning models trained on GBP/USD showing UP ONLY results on unseen data... math is for degens bro
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Lopez
Lopez@engineeredlopez·
@GRITCULT Bro @im_roy_lee kissed a dude for distribution and went gay for pay and still got a down round
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GRITCULT
GRITCULT@GRITCULT·
“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

x.com/i/article/2044…

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Lopez
Lopez@engineeredlopez·
I’m gonna get 1000 followers and never pay for the fucking check mark nigga Check mark EBT
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Ansem
Ansem@blknoiz06·
crazy the world's first trillionaire is african
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Lopez
Lopez@engineeredlopez·
@pmarca I love watch billionaires squabble on x
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DanielArmstrong81
DanielArmstrong81@Daniel142292321·
@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.
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Big Popz
Big Popz@BigPopz72·
Galveston,Texas: A teen murders her own mother and makes a TikTok video minutes later... No remorse for her actions, just cold, calloused celebration. This is the culture these "youths" are growing up in.
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Lopez
Lopez@engineeredlopez·
@JCFights That’s at least 5 and I would’ve called it a pin he went straight to his shoulder blades
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Wild Clips
Wild Clips@JCFights·
A Russian fighter pulled off the most confusing flying squirrel takedown on a French opponent and nobody in the building could explain it, the French guy was completely lost
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zek
zek@zekramu·
@OSINTCap it has to be right, there’s no way ppl are this dumb lmao
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zek@zekramu·
I really don’t understand true greed. If I was worth $1 trillion, you’d have to physically stop me from giving away all my money. Like I could split all my money up between everyone in the world and still have a billion dollars. I just don’t get it.
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Paris The Icon
Paris The Icon@_ParadiseParis1·
Karmelo Anthony has a new lawyer, filed an appeal, and has more financial support. I pray it goes in the right direction.
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Lopez
Lopez@engineeredlopez·
@zekramu cash don’t exist in liquidity pool Elon is all market cap and spaceX tokens
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Lopez
Lopez@engineeredlopez·
@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…
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Vaibhav Sisinty
Vaibhav Sisinty@VaibhavSisinty·
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.
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Lopez
Lopez@engineeredlopez·
@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
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Makayla | Real Estate Investor
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
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Corey Epstein (e/acc)
Corey Epstein (e/acc)@coreyepstein·
The most dangerous person in tech right now is an engineer with taste and zero meetings.
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