90LTV

MF Development. Affordable Housing. Capital Markets.

[90LTV @115DSCR]

@RoKhanna why did you buy Moderna, Ro?

[90LTV @115DSCR]

@BarryRoland19 @fried__bryce @aussieflya 100%. It’s not a Walmart, list price has little (often times) relation to where it will actually trade.

[90LTV @115DSCR]

@patcarino I would tell him, you’ll bonus him the $10k difference on Day 366, but he’s got to perform on the deal he shook on.

[The Forge 🍿 @TheForgexx]

The Most Expensive Cities to Buy a Square Meter of Real Estate (USD)

1. 🇨🇭 Zug, Switzerland — $32,498
2. 🇨🇭 Zurich, Switzerland — $25,954
3. 🇭🇰 Hong Kong, China — $25,373
4. 🇸🇬 Singapore, Singapore — $23,332
5. 🇨🇭 Geneva, Switzerland — $22,868
6. 🇰🇷 Seoul, South Korea — $22,771
7. 🇨🇭 Lausanne, Switzerland — $20,506
8. 🇮🇱 Tel Aviv-Yafo, Israel — $20,412
9. 🇺🇸 New York City, USA — $19,952
10. 🇬🇧 London, United Kingdom — $19,860
11. 🇮🇱 Jerusalem, Israel — $18,174
12. 🇨🇭 Basel, Switzerland — $17,599
13. 🇨🇭 Bern, Switzerland — $17,405
14. 🇫🇷 Paris, France — $14,741
15. 🇨🇳 Shanghai, China — $14,385
16. 🇹🇼 Taipei, Taiwan — $13,930
17. 🇨🇳 Beijing, China — $13,876
18. 🇩🇪 Munich, Germany — $13,014
19. 🇱🇺 Luxembourg City, Luxembourg — $12,841
20. 🇦🇺 Sydney, Australia — $12,790
21. 🇨🇳 Shenzhen, China — $12,752
22. 🇺🇸 Brooklyn, USA — $12,513
23. 🇦🇹 Vienna, Austria — $12,448
24. 🇺🇸 Boston, USA — $12,245
25. 🇸🇪 Stockholm, Sweden — $12,189
26. 🇷🇺 Moscow, Russia — $10,948
27. 🇮🇹 Milan, Italy — $10,902
28. 🇺🇸 San Francisco, USA — $10,902
29. 🇳🇱 Amsterdam, Netherlands — $10,795
30. 🇳🇴 Oslo, Norway — $10,677
31. 🇯�� Tokyo, Japan — $10,564
32. 🇩🇰 Copenhagen, Denmark — $10,209
33. 🇨🇿 Prague, Czech Republic — $10,061
34. 🇩🇪 Düsseldorf, Germany — $9,924
35. 🇫🇮 Helsinki, Finland — $9,781
36. 🇺🇸 San Jose, USA — $9,433
37. 🇩🇪 Hamburg, Germany — $9,427
38. 🇨🇦 Vancouver, Canada — $9,229
39. 🇬🇧 Cambridge, United Kingdom — $9,209
40. 🇩🇪 Berlin, Germany — $9,033
41. 🇮🇱 Haifa, Israel — $9,031
42. 🇨🇳 Guangzhou, China — $9,008
43. 🇪🇸 Madrid, Spain — $8,844
44. 🇮🇹 Rome, Italy — $8,820
45. 🇨🇦 Toronto, Canada — $8,807
46. 🇨🇦 Mississauga, Canada — $8,800
47. 🇩🇪 Heidelberg, Germany — $8,731
48. 🇺🇸 Honolulu, USA — $8,648
49. 🇺🇸 San Diego, USA — $8,613
50. 🇬🇧 Brighton, United Kingdom — $8,576

Source - Numbeo

[90LTV @115DSCR]

#safetyschool

[90LTV @115DSCR]

@EconomPic @BarryRoland19 Dude, I don’t think you get it. If the contractor goes across the street for 2% more, and the finishes the job later, he makes materially more. If the Owner gets the building 30 days later, he has losses + penalties.

[90LTV @115DSCR]

Account named Wall Street with 1MM followers doesn’t understand basic interest calculations. Insanity.

[Wall Street Apes @WallStreetApes]

American bought a home for $138,000, she says she’d rather be renting because of interest

- They’ve paid $9,286.32 in payments
- $6,423.23 has gone to interest
- $1,911 has gone to taxes and insurance
- Only $952 of our actual mortgage paid off

This is a scam

[90LTV @115DSCR]

LOL

[@levelsio @levelsio]

What is happening to Google now is pretty much textbook of what happened to Xerox PARC, but worse:

PARC invented all the foundations of personal computing, yet Apple and Microsoft commercialized it

Google invented many of the foundations of AI, yet everyone else is commercializing it

Even worse, everyone else is now competing with them, and now those competitors are coming for their biggest money maker: Search

[90LTV @115DSCR]

@robbiehendricks 115 bps spread on taxable???

[90LTV @115DSCR]

Median household income in the U.S. in 2023 was $80,610. Don’t let facts get in the way…

[SightBringer @_The_Prophet__]

The “16% mortgage rate” argument is a textbook example of historical distortion through omission. Let’s break the illusion:

Yes, rates were 16% in 1981 - for a few quarters.
But the median home price was $70K.
And median income was about $21K.
That’s a 3.3x price-to-income ratio, even at peak rates.

Today? Median home price is ~$430K. Median income ~$60K.
That’s 7.2x price-to-income - more than double the burden.

Even with lower interest rates today,
the actual monthly cost of housing is higher, and the duration of debt slavery is longer.

And that’s before we account for:
•No student debt in 1981
•Single-income households buying homes
•Employer-provided pensions
•Healthcare tied to stable employment
•No gig economy, no $1,200 rent for a 300 sq ft box

Now let’s address Vietnam. Yes, war is horrific. But here’s the trap:
Using selective trauma to deny systemic decay is a diversion tactic.
You can’t compare mandatory conscription with
an entire generation locked out of asset ownership forever.

This isn’t about “who had it worse”
It’s about who inherited a functioning system
and who inherited a collapsing simulation.

Stop pretending the current generation is soft.
They’re resilient inside a rigged structure
where every ladder has been pulled up
and every escape hatch monetized.

You want honesty? Here it is:
Past generations struggled to survive.
Ours struggles to belong in a world they no longer own.

That’s the difference. And that’s the whole point.

[90LTV @115DSCR]

This is idiotic, if you can’t do better than C’s in finance, consider something else…

[StripMallGuy @realEstateTrent]

You’re better off getting all C’s as a finance major than all A’s as a marketing major.

[90LTV @115DSCR]

@resetbasis Haha. Level 1 granite is probably lower cost overall than resurfacing laminate that gets beat/burned/cut every turn though.

[90LTV @115DSCR]

@Kas_the_Hater @resetbasis @elonmusk Add up the sources and subtract the uses, this is elementary math (not to mention the dev fee calc is TX is 15% of eligible costs).

[90LTV @115DSCR]

@Kas_the_Hater @resetbasis @elonmusk That’s just cash flow classified as deferred fee.

[90LTV @115DSCR]

@ScottChoppin @seandsweeney Scott is correct and this was also pointed out in the original post.

[Trung Phan @TrungTPhan]

Just realized something about the TikTok Ban. What if this leads to China turning around and banning a bunch of foreign media and tech such as:

• Facebook
• X/Twitter
• Instagram
• YouTube
• WhatsApp
• Netflix
• Google
• Google Maps
• Google Drive
• Google Docs
• Google News
• Slack
• Tinder
• The Washington Post
• Telegram
• Pinterest
• Snapchat
• Spotify
• Twitch
• Dailymotion
• SoundCloud
• LinkedIn (with restrictions)
• Reddit
• Quora
• Discord
• Medium
• The New York Times
• BBC News
• CNN
• The Guardian
• Reuters
• Flickr
• Imgur
• Vimeo
• Box
• Dropbox
• Hulu
• Yahoo
• IMDb
• Tumblr
• Stack Overflow
• Shutterfly
• Yelp
• New York Post
• Glassdoor
• BuzzFeed
• https://t.co/SGCmAk7PJ8
• Scribd
• GitHub (certain pages restricted)
• DocuSign
• GoFundMe
• Microsoft OneDrive
• Pocket
• Quora
• Goodreads
• Twitch (some functionalities)
• Mailchimp
• Basecamp
• Trello
• Discord
• Stripe
• Wix
• Shopify
• Canva
• Patreon
• Medium
• WhatsApp Business
• Google Podcasts
• Apple Podcasts
• Nextdoor
• Yelp
• Kickstarter
• Indiegogo
• Skillshare
• Udemy
• Khan Academy
• Duolingo
• Coursera
• LinkedIn Learning
• Microsoft Teams

Worth noodling on.

[90LTV @115DSCR]

Median Household Income was actually $80,610 in 2023.

[Fred Krueger @dotkrueger]

The median family income in the US has gone from 10K in 1971 to 55K today, a gain of 5.5x

however,

The median cost of a car has gone from 4K to 48K, an increase of 12x.

The median cost of a house has gone from 25K to 357K, an increase of 14x.

The median cost of an ivy league college has gone from 3K a year to 87K, an increase of 29x.

The average cost of healthcare per person has gone from $400 to $15,000, and increase of 37x.

Basically, the average person in the US is worse off today than in 1971. So much for "progress"

[90LTV @115DSCR]

Narrators Voice: no one did. Get out into the real world and actually do something.

[Ryan Fournier @RyanAFournier]

No one should be getting an H1B Visa to work at a f*cking 7/11.

[90LTV @115DSCR]

@JonFlynnREstats Why don’t you build a bunch and make a killing?