ThottMobbGodd

#THOTTMOBBGENERAL

[videodan çıkamıyorum @cikiImiy0r]

Profesyonel boksör Ryan Gareia, amatör bir boksöre bu sporda gerçekten farklı seviyeler olduğunu kanıtlıyor.

[Arslan @0xarslan]

Matthew McConaughey says he doesn't like the new weed

"Life can get very noisy and clumsy and frustrating and confusing if we're associating too much. It's why I don't like the new weed"

"Oh man, too strong. It's too many associations. I'm seeing art in everything"
"And if you're seeing art in everything, you're not seeing any art at all. If every moment is so significant, none of it has significance"

"The subplots become unmanageable. And if the subplots become unmanageable, you're missing the main vein"

[Makayla | Real Estate Investor @REIMakayla]

The government will help you buy a 4-unit apartment building for $9,800 down

Your bank has never once mentioned this. Your parents don't know it exists. It's been the law since 1934

The requirement: you sleep in one of the 4 units for a year. That's the whole catch

It's an FHA loan, and using it this way is called house hacking. Here's the play from zero:

The FHA (Federal Housing Administration) backs loans for regular people buying a home. 3.5% down instead of 20-25%. Credit scores as low as 580 can qualify. Everyone assumes it's for little starter houses

The fine print nobody reads: FHA loans work on any property up to FOUR units, as long as you live in one. The government considers a fourplex your "home" if you sleep there

Watch the math:

A fourplex in the Midwest runs about $280,000. Down payment at 3.5%: $9,800. A used Honda, for an apartment building

The other 3 units rent for $900 each. $2,700/month coming in

Your whole mortgage payment with taxes and insurance: about $2,150/month

Your tenants pay your entire housing bill and hand you roughly $550/month on top. Your friends pay $1,400 in rent for one bedroom. You get PAID to have four

The part that stacks: after your 12 months, you move out, rent your unit for another $900, and the building becomes a pure investment cash flowing $1,450/month. Then you're eligible to do it again with a new owner-occupied loan on your next place. Serial house hackers pick up a building a year like this

What the lender checks:

Credit score 580+ (620+ gets better rates)
Income that covers the payment, and here's the gift: the lender counts 75% of the other units' rent as YOUR income on the application. The building helps you qualify for itself
The property passes an FHA inspection: safe, livable, working systems. Ugly passes. Dangerous doesn't

Your 90-day checklist:

1. Get pre-approved for an FHA loan. Almost every lender offers them. Takes a week
2. On Zillow, filter "multi-family" in your market or a cheap one nearby. The Midwest and South are full of duplexes, triplexes, and fourplexes under $300,000
3. Run one number on each: does 75% of the other units' rent cover most of the mortgage? Yes = tour it
4. Buy it, move in, rent the rest, learn landlording with a 30-second commute

One slightly awkward year living next to your tenants buys a building that pays you for the next 40

Your first property doesn't have to be a flip and doesn't need a fortune. It can be the place you already sleep, with 3 strangers covering the bill

If you want to flip a house but have $0 in the bank, you can get funded for up to $150k with a hard money loan or 0% APR credit cards. And if you're starting from absolute zero, house hacking is door number one. Keep an eye out

[Juan 🐐 @JuanVertiz_]

Pooh Shiesty went live crying after being sentenced to 30 years in prison for Armed Robbery, He said that Gucci Mane is a SNITCH🐀 and whoever k*lls him gets $5,000,000 😳🫢

“I gotta do 30 years because of him, I promise he gonna pay for this on Nuski💯”

[Tess @Your_Tessyy]

@olwestside I can clearly see its a shadow.. What are y'all on anyway? 😭

[Baba @BabaDClint]

True life stories of lottery winners who won millions of dollars and took small consistent payments over the huge sums all at once.

[ThottMobbGodd @GoddMobb]

I pray I see u after

[ThottMobbGodd @GoddMobb]

It all makes sense

[ThottMobbGodd @GoddMobb]

I understand now

[ASTROELEANOR | Astrologer @astroeleanor]

Today’s Blue Moon represents the end of a HARD 3-Year chapter for PISCES, Sagittarius, Virgo and Gemini. You’ll finally step into a more mature & successful version of yourself. But all zodiac signs will be affected by this Blue Moon energy.

Predictions for ALL 12 Signs. ↓

[Sassington, M.C. @MissSassbox]

ignore that it's four minutes long and know that it's going to feel like a healing to your neurodivergent soul to hear every single thing he lists NOW LOCK IN

[Burcun Ne? @NeBurcusun]

14:
Nisan bitmeden hayatına fırsat enerjisi giriyor. Küçük gibi görünen bir adım aslında büyük bir kapı açacak. Özellikle iş, para veya yeni başlangıçlarla ilgili şans senin tarafında.

[Obsrvate @obsrvate]

NBA Youngboy went live CRASHING OUT and DECLARING WAR after his best friend NBA Ben 10 was shot in Houston and left paralyzed 😳

"Im going to war with the whole Detroit"
"I ain't dropped a bag since Von got handled we finna smoke you JR"
"I been riding around here for 3 days"

[I’m named after El Debarge @hydrothemc]

Bob Barker being a racist is not shocking.
Bob Barker being a racist is not funny.
Racism is not funny…
But every part of this clip right here (ESPECIALLY the end) has had me laughing for 5 minutes!!!!!!

[Iseunife The First @Shawnife]

1. Claude (solve any problem)
2. Perplexity (research anything)
3. Klingai (create AI videos)
4. Tripo AI (create 3D models)
5. Suno (compose music)
6. Gemini (perfect writing)
7. Capcut (edit videos)
8. Youlearn (summarize YouTube)
9. Canva (design graphics)
10. ElevenLabs (clone voices)
11. Descript (edit podcasts)

12. ✅ Save this list, it might be incredibly useful.

[hunter @hxxntrr]

i pray debt collectors call me

last month one called about a $4,300 medical bill. i let him do his whole speech. then i said six words:

"is this debt past the statute?"

silence

in 38 states, debt expires after 3-7 years. once it passes the statute of limitations, they cannot sue you for it. legally. the debt still exists on paper but they have zero enforcement power

they're calling you hoping you don't know this. because the second you make a payment, even $1, the clock RESETS and they can sue you again for the full amount

that's why they say "just pay $50 to show good faith." that $50 reactivates the entire debt. it's a trap and they know exactly what they're doing

the play when a collector calls:

step 1: say nothing about paying. say this: "please provide written validation of this debt under FDCPA Section 809"

they are legally required to stop all collection activity until they send you written proof. most junk debt buyers can't produce it because they bought your debt in a bundle for 4 cents on the dollar and don't have the original paperwork

step 2: check your state's statute of limitations at your state AG's website. if the debt is past the SOL, send this letter:

"this debt is time-barred under [state] statute of limitations. any attempt to collect or sue is a violation of the FDCPA. cease all contact immediately"

step 3: if it's on your credit report and it's past 7 years, dispute it. "this account exceeds the FCRA 7-year reporting period. remove immediately." bureaus must remove it within 30 days or face $1,000 per violation

i helped someone wipe $23,000 in zombie debt in one afternoon. four letters. zero dollars paid

the collectors who called her every week? gone. the accounts on her credit report dragging her score down 80+ points? deleted. she went from 588 to 691 in 45 days without paying a cent

debt collectors buy your old debt for pennies and try to scare you into paying full price. their entire business model depends on you not knowing your rights

now you know

(link in bio. i delete debt and fix credit scores)

[ACP Ashish Kumar, DANIPS @ACPAshishKumar]

1. ChatGPT = solve any problem
2. PicWish = remove backgrounds
3. Descript = edit podcasts
4. Perplexity = research anything
5. ElevenLabs = clone voices
6. Gamma = design documents
7. Suno = compose music
8. Runway = edit videos
9. Canva = design graphics
10. RecCloud = summarize YouTube
11. Grammarly = perfect writing

Save this, it might come in handy.

[SAY CHEESE! 👄🧀 @SaycheeseDGTL]

Dwight Howard’s wife Amy claims that he coached their son to lie on her, alleges that he is on drugs and needs help and that CPS took their daughter away

[devin 🎱 @fartpog]

Googled it. good lord theres penice.

[Dating Dynamics @Dating_Dynamics]

Man to man:

Never marry ANY woman until she passes these SIX tests.

Most men walk in blindly, sign the papers, and only realize the mistake later.

These tests reveal her true character BEFORE you commit to her for life.

Read thread…...