Pop44Sports

PSU Alum

[Pop44Sports @Pop44S]

Lmao!

[Boyd Myers @boydmyers]

@Geiger_Capital Mitch McConnell was only 25

[Pop44Sports @Pop44S]

@AnthemBCBS 80 year old mother gets notice of dental and vision cancellation at end of year just spent 1 hour online to get clarification only to get transferred to a dept. that is closed !! Amazing!

[Pop44Sports @Pop44S]

@grok is this true

[hunter @hxxntrr]

You can buy a house in America using only credit cards

No mortgage. No down payment. No income verification. No appraisal

The title closes in 7 days because you show up as a cash buyer

90% of americans think this is illegal. It's not. It's not even unusual

Real estate is the only major asset class in America where you can use unsecured credit to acquire it and the seller will never know how you paid

The bank that issued your Chase Ink card has no idea you used the credit line to wire $80K to a title company in Ohio. The title company has no idea you didn't have $80K in your checking account 5 days ago. The seller sees a cashier's check at closing and that's the end of the conversation

Here's the actual play:

Step 1: find an off-market or distressed property in a tier-2 or tier-3 market. Single-family in working-class neighborhoods of Cleveland, Detroit, Memphis, Birmingham, Toledo, Akron, Dayton, Buffalo. Average single-family with renovation needs: $35K-$90K

Step 2: stack 0% business credit. Chase Ink Cash + Chase Ink Unlimited + Amex Blue Business Plus + Capital One Spark = $80K-$150K in 0% credit at a 720+ FICO

Step 3: liquidate the credit lines through Trykashu (6.5% fee, 72-hour funding). On $80K of card capacity, Trykashu wires $74,800 cash to your business checking. Fee: $5,200

Step 4: close on the property as a cash buyer. Cash close gets you 5-15% discount over a financed buyer because the seller doesn't risk a financing contingency falling through. 7-day close instead of 45-60 day mortgage close. No appraisal contingency. No inspection contingency required (you can still do one)

Step 5: renovate to rent-ready. Most $50K-$80K single-family purchases need $5K-$15K in cosmetic work. Use the remaining 0% credit for materials and contractor payments

Step 6: rent the property. Single-family in working-class Cleveland rents for $850-$1,250/mo. Mortgage payment on a $0 mortgage is $0. Net cash flow before tax: $750-$1,150/mo

Step 7: refinance at month 8. Apply for a DSCR loan. DSCR loans don't check your income, don't check your W-2, don't pull your tax returns. They check one thing: does the rent cover the mortgage payment with a 1.0-1.2x coverage ratio. On a $1,000/mo rent, the lender will approve a 30-year mortgage at about $850/mo principal + interest, which on current rates means a loan amount of roughly $130K-$140K

Step 8: cash-out refinance pulls $75K-$95K of equity. Use the cash-out to pay off every 0% credit card you ran through Trykashu. Cards reset to $0. You own a free-and-clear cash-flowing rental property at a 30-year fixed rate with positive cash flow funded entirely by the original tenant

Total of your own money in the deal at end of cycle: $0
Total capital deployed: $80K bank credit (now paid off from refi cash-out)
Cost of the entire operation: $5,200 Trykashu fee + closing costs ($2K-$3K) + minor refi costs ($1.5K)
Final position: own a property generating $300-$500/mo net cash flow after the new mortgage, free credit cards reset to $0, refinanced into a 30-year fixed rate

Most real estate gurus charge $50K to teach you how to qualify for a conventional mortgage and put 20-25% down. The bank already has the money. You just don't have to play by the rules they sold you in the guru course

The standard mortgage path on the same $80K house:

20% down payment: $16,000 of YOUR cash
Closing costs: $4,000-$6,000
Total cash out of pocket: $20,000-$22,000
Mortgage at 7.2%: about $435/mo principal + interest on $64K
Time to close: 45-60 days

The 0% credit path on the same house:

Down payment: $0
Closing costs: $4,000-$6,000 (also financed through 0% credit)
Total cash out of pocket: $0
Cost of capital: $5,200 in Trykashu fees during the cash-buyer phase
Time to close: 7-10 days
Discount captured by being cash buyer: $5K-$10K off purchase price

Same property. Same tenant. Same monthly rent. The credit card path costs $22,000 less to acquire and closes 6 weeks faster

A woman I met at a networking event in Dallas runs this loop 4-6 times a year. She has 19 rental properties. Total of her own money invested across the entire portfolio: under $40,000. The first 6 properties were all funded through credit card stacks. Every refinance after that funded the next acquisition

She bought her 19th property last quarter. Same play. Same cards. Same Trykashu liquidation. Same DSCR refinance at month 8. Same $0 of her actual cash

Real estate gurus call this "creative financing." Banks call this "credit utilization." The IRS calls this "ordinary investment activity." None of them call it illegal because it isn't

dm me "funding" and i'll show you how you can qualify for up to 250k in 0% APR funding (if you have a 700+)

[Pop44Sports @Pop44S]

@gedamtekle Digital

[Pop44Sports @Pop44S]

Your crazy and Chris Murphy is as woke as it gets, I live here in Connecticut and it’s disgusting the messages he spews

[Scott McConnell @ScottMcConnell9]

@scottbe68160181 An antiwar Democrat, smart and not super woke.

[Pop44Sports @Pop44S]

@RobertNLupton 1-7 start today I like your Houston game plays law of averages say you’re do…. Or is it the kiss of death?

[Bob Lupton @RobertNLupton]

Gonzaga -11.5 1H -105⏰
Houston -23.5 -110🐆
Houston -13.5 1H -118⏰
Idaho TT U57.5 -125 .5U🏴‍☠️⬇️
Idaho TT U25.5 1H -128👀

[Pop44Sports @Pop44S]

@FanDuel having an issue making a deposit and literally getting nowhere with both automated and regular agents, in the meantime made a deposit on @DraftKings in 5 seconds, I guess I’ll just have to double up my deposit @DraftKings instead

[Pop44Sports @Pop44S]

Done

[Pop44Sports @Pop44S]

Doesn’t look like they want to be here today

[Bob Lupton @RobertNLupton]

Watching this Pitt offense fail on 2nd, 3rd and 4th & 1/2 is the good stuff.

[Pop44Sports @Pop44S]

@Pitt_FB looking like they rather be 500 other places today than this bowl!

[Pop44Sports @Pop44S]

@NYDailyNews been getting subscriptions for elderly father for years and every single renewal process is a joke being charged and more before the notification date just got mailer today that said would be charge on 12/28 yet charged 3 days ago no wonder @nypost is kickin your ass

[Pop44Sports @Pop44S]

Exactly posted something similar to @chrisfallica but the @MiamiHurricanes homer that he is he can’t be impartial, especially since you got him with this post from a couple of years ago!

[sweatinbets @sweatinbets]

@chrisfallica Chris “The Fraud” Fallica

[Pop44Sports @Pop44S]

@ImBreckWorsham post both receipts so we can see the actual comparison?

[ThePatrioticBlonde™🇺🇸 @ImBreckWorsham]

I did my shopping for Thanksgiving dinner this week and went back to my Kroger app to pull my receipt for the same exact dinner last Thanksgiving.

Total 2024: $261.74

Total:2025: $312.88

Mr.President, this is NOT what I voted for.

[Pop44Sports @Pop44S]

@chrisfallica you’re gonna tell me honestly eye test wise Miami is playing better football then Notre Dame? And just to be clear I’m not a Notre Dame Homer hear, PSU alum and put Miami in and they get knocked out first round

[Pop44Sports @Pop44S]

@chrisfallica I agree with you that head to head should mean something but with that said I’ve heard you talk about on your podcasts over the years how teams are finding themselves early on and then round into form, I.e. you said that about Georgia recently.

[Pop44Sports @Pop44S]

@chrisfallica I agree with you that head to head should mean something but with that said I’ve heard you talk about on your podcasts over the years how teams are finding themselves early on and then round into form, I.e. you said that about Georgia recently.

[Chris Fallica @chrisfallica]

The scenario the committee doesn’t want. Miami beats Pitt. Bama wins SEC, jumps ND as SEC champ. BYU loses again to Tech. ND and Miami now side by side and it’s an “I dare you” from the CFB world to leave Miami out.

[Pop44Sports @Pop44S]

Ka Ching💰@TheSharpPlays

[The Sharp Plays @TheSharpPlays]

🤖Hermes Late Release

Boise St +4.5 (NCAAB 874 @ 5pm ET)
Performance 3-2 (60% win pct) and +0.8 units

⚠️Automated Alert⚠️

Good luck!

[Pop44Sports @Pop44S]

@chrisfallica Bear Miami is underrated? Va Tech pretty much even yardage with them today, struggle to put away a 3-7 team with an interim head coach! No way in hell they belong in playoffs!

[Chris Fallica @chrisfallica]

Sorry tabs didn't translate. Interesting to see how the CFP rank compares to two computer ratings I respect. A&M, Ole Miss slightly overrated. OU overrated. BYU greatly overrated. Oregon, ND, Miami underrated.

[Pop44Sports @Pop44S]

Yes as long as @VTechFanBlog is happy going 9-3 and losing every year to the likes of Clemson, Miami and Notre Dame. They just have to realize they’ll never win a big game with him coaching!

[Brad Powers @BradPowers7]

Great hire.

First mentioned on @HitTheBooksHQ by me on October 13th.

CC: @JoeyKnish22 for confirmation.

Show starts in 5 minutes.

[Pop44Sports @Pop44S]

@paulyhoward @MitchMossRadio what were these @Vikings executives looking at when they watched McCarthy at Michigan. He was a game manager at best Harbaugh knew what he was doing

[Pop44Sports @Pop44S]

@MitchMossRadio @paulyhoward I’m calling bad beat here Texas -3.5 up 10 with minute 30 left, Vandy 4th and 19 from their own 1 complete 20 yd pass for first down then goes length of the field for TD with 30 seconds left to make it a 3pt game #badbeat