Why Mortgage Rates Follow the 10-Year Treasury, Not the Fed
The single most useful thing you can understand about mortgage rates: what actually sets them, and why the Fed headlines you read are usually a distraction.
How Wars and Global Events Actually Move Your Mortgage Rate
How wars and global shocks reach your mortgage rate through the bond market, why the move is often the opposite of what people expect, and what to watch.
Job Switching Is the Fastest Way to Increase Your Salary
Why changing jobs, not waiting for annual raises, is the fastest way to grow your income, with the actual figures from a 20-year career and how to time it.
House Hacking Mistakes I Made (and What I’d Do Differently)
The house hacking mistakes I made going from a van to a duplex, what each one cost me, and what I would do differently on the next building I buy.
House Hacking for Beginners: How to Start From Almost Nothing
A plain-English house hacking guide for beginners: what it is, how the FHA 3.5%-down path works, and how to start with a duplex you live in on a normal income.
What is house hacking? A plain-English guide
House hacking means living in one unit of a small multifamily property and renting the rest. How it works, what it costs, and who it fits.
15 Units at $15/Hour Is a Lottery Ticket
The 15 units at 15 dollars an hour story is real but rare. Here is what the typical path into rental property looks like, and why that difference matters.
How to Use a House Hacking Calculator (Step by Step)
A field-by-field walkthrough of the free house hacking calculator: what to enter for financing, rents, and expenses, and how to read the three results that decide a deal.
Living next to your tenants: what it’s actually like
What it is actually like living next door to your tenants: the boundaries, the awkward conversations, and the part of house hacking nobody puts in a post.
Depreciation on a rental, explained without the jargon
Depreciation lets you deduct money you did not spend this year. An accountant explains how it works on a rental, without the jargon and with an example.