ToTheMFnMoon🌕

All things financial. Let's ride to the MFn Moon! 🚀🚀🚀🌕🌚🌕 *Not financial advice.

[ToTheMFnMoon🌕 @ToTheMFnMoon]

@dmweisberger @RobertKennedyJr 💯

[Dave W @dmweisberger]

I just spent 2 incredible weeks in Italy and it is so frustrating to come back to the U.S…

How is it possible @RobertKennedyJr that the Italian food supply is so vastly superior.

I literally ate bread at every meal, dessert multiple times per day, and generally ate way more than I do in the U.S.

Not once did I have acid reflux. Not one headache, no digestive problems, and I didn’t gain any weight.

If I ate the same way in the U.S. (I used to at times) I would have gone through a full bottle of Tums and Advil just to get through the day…

WHY does the U.S. allow glyphosate in wheat, high fructose corn syrup in food and who knows what in our milk products?

The difference in quality of life in Italy vs the U.S. is staggering from their common sense (anti corporate) food regulation.

WHY aren’t more people upset about this?

The U.S. is the richest country in the world and we eat like one of the poorest.

[Rushi @rushicrypto]

I don’t care if someone works in an office, a warehouse, a restaurant, or cleans floors. If you give 40 hours of your life every week, you should be able to pay rent, buy groceries, cover your bills, and still have enough left to breathe a little. That shouldn’t be some dream. It should be normal. The fact that so many people work full-time and still live stressed, behind, and one emergency away from disaster tells you this system is failing the people who keep it running.

[unusual_whales @unusual_whales]

BREAKING: The Senate has passed the biggest housing affordability bill in 30 years, and it includes a ban on investors buying single-family homes, per MorePerfectUnion

[Felix Prehn 🐶 @felixprehn]

BlackRock now owns more single-family homes than any landlord in American history. 340,000 houses. Buying 3,000 more every month.

They're not buying them to live in. They're buying them so you can't.

Here's a number that should make you physically uncomfortable. In 2010, institutional investors owned less than 1% of single-family rental homes in the US. Today it's 5%. Sounds small until you realize that's $120 billion in residential real estate controlled by three firms: BlackRock, Blackstone, and Invitation Homes.

They started during the 2008 crash. Millions of Americans lost their homes to foreclosure. Those homes went to auction. BlackRock and its subsidiaries showed up with wire transfers and bought entire neighborhoods in bulk. In some Phoenix zip codes they bought 90% of the foreclosed homes in a single quarter.

Homes that families lost for $80k in 2009 are now rented back to those same families for $2,400/mo.

That's the business model.

Wall Street figured out single-family rentals generate 12-15% annual returns when you combine rental income with property appreciation. Better than the S&P average. With near-zero rates from 2009-2022 they borrowed billions at 2-3% and bought assets appreciating at 8-12%. Free money machine.

And they don't even need prices to go up. They just need you to keep paying rent. When you can't afford a down payment because institutional buyers inflated prices, you rent. From them. The same people who made buying impossible made renting mandatory.

NAR data shows first-time homebuyers fell to 24% of all purchases last year. Lowest in 43 years of tracking. Average first-time buyer age is now 38. In 1981 it was 29. A whole generation priced out and funneled into rental contracts held by Wall Street.

It gets worse. They're expanding into build-to-rent now. Purpose-built neighborhoods where every single home is a rental. Not converted. Designed from the ground up to never be sold. Lennar, second-largest homebuilder in America, sells 20% of its new construction directly to institutional landlords. Houses built for Americans, sold to Wall Street before the foundation is poured.

How to position around this.

You can't beat them. But you can own what they own. Invitation Homes (INVH) is the largest single-family rental REIT. American Homes 4 Rent (AMH) is number two. When institutional landlords raise rents 8%/yr and vacancy rates sit at 2%, these companies print. If the trend disgusts you, at least profit from it.

For builders feeding the machine: D.R. Horton and Lennar. They sell to institutions at full price with zero marketing cost. Guaranteed bulk buyers for inventory. Sweet deal if you're a shareholder. Dystopian if you're a 32-year-old trying to buy your first house.

And if you believe the political backlash eventually restricts institutional buying (Oregon and Minnesota have already proposed legislation), homebuilders focused on individual buyers in affordable price ranges stand to benefit most.

i track institutional real estate acquisitions and rental REIT positioning through tradevision. the numbers are accelerating. blackrock's home-buying subsidiary just raised another $4 billion for 2026 acquisitions. they're not slowing down.

(wall street crashed the housing market in 2008. then they bought the houses. now they rent them back to the people who lost them. nobody went to prison for any of it. interesting times.)

[unusual_whales @unusual_whales]

US adults’ optimism about their future has declined to 59.2%, the lowest ever, per Gallup

[Andrew Lokenauth @FluentInFinance]

This is insane.

2005: Median Home Price: $220,000
2025: Median Home Price: $420,000

A 91% increase.

2005 Median Salary: $44,326
2025 Median Salary: $56,292

A 27% increase.

[Chris Martenson @chrismartenson]

There's really nothing Trump can do here....50-year-mortgages are not going to cut it. Lower mortgage rates aren't going to cut it.

The only thing he could do quickly? Pass a rule against institutional ownership of single-family homes. Limit institutions to no more than 20 SF homes, and BINGO! - home prices will drop.

But, that would mean disappointing Larry Fink.

[unusual_whales @unusual_whales]

The US economy has barely added any jobs since April, per NavyFederal:

[941 @level941]

Burry’s tweet is pure contempt. The system is rigged. He knows it. The man who shorted the world is staring at a market that refuses to bleed. Liquidity is fake. Repo lines exploding. Twenty billion pulled through the Standing Repo Facility. Highest on record. That means collateral stress. That means the banks are out of ammo. Fed steps in. Pretends it’s normal. Pumps synthetic liquidity into a corpse and calls it stability. That’s what he’s watching. The same guy who made billions shorting real collapse now sees the same signs but can’t touch it. Because every signal that should trigger the crash is sterilized by policy. Repo backstops. Treasury buybacks. QE in drag. There is no market left. Only a simulation of one. He saw 2008 and made billions. Now he sees 2025 and can’t even place the bet. Because the casino rewired the chips. That’s why he said it. Not to warn. He’s tired.

[unusual_whales @unusual_whales]

American job market faces its deepest pessimism since the 2008–09 Great Recession, per CNN

[John Cena @JohnCena]

Be willing to risk failure in the pursuit of success.

[unusual_whales @unusual_whales]

BREAKING: Elon Musk just said that the GOP budget bill would raise the debt ceiling by $5 trillion and put America in the fast lane to debt slavery

[ToTheMFnMoon🌕 @ToTheMFnMoon]

@twofifteenam 😂

[CrypNuevo 🔨 @CrypNuevo]

$BTC Sunday update:

Looks like Bitcoin is anticipating a (more than likely) sell-off in the stock market tomorrow after the US intervention in Iran.

With war escalating and fears that Iran blocks the Strait of Hormuz, risk markets like crypto can drop further.

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[ToTheMFnMoon🌕 @ToTheMFnMoon]

🇺🇸🫡

[unusual_whales @unusual_whales]

The stock market continues to drop.

[Elon Musk @elonmusk]

Call your Senator,
Call your Congressman,

Bankrupting America is NOT ok!

KILL the BILL

[unusual_whales @unusual_whales]

The gap between what Americans earn and how much they need to bring in to achieve a basic standard of living is growing, per CBS.

[Dr. Parik Patel, BA, CFA, ACCA Esq. @ParikPatelCFA]

Happy Mother’s Day to all the moms, even the haters and losers!