Johnny Rodriguez

[hunter @hxxntrr]

Met a contractor in Phoenix who got denied $250,000 from Chase on a Monday and approved for $250,000 from Chase on a Friday

Same LLC. Same credit score. Same bank. Same branch

He changed one word on the application

His LLC was registered as "real estate brokerage." NAICS code 531210. Chase's underwriting algorithm flags that code as high-risk lending. Automatic denial at anything over $30,000

His accountant told him to refile the LLC's business activity as "property management." NAICS code 531311. Same LLC. Same articles of organization. Same operations. Just a different 6-digit code on the Secretary of State website

Chase's system saw "property management" and approved him for $250,000 at 0% for 12 months across two Ink cards

$250,000 approved. $0 denied. Same human. Same business. One word on a state filing

Every business credit card application runs through an automated underwriting system. The system checks your personal credit score, your stated revenue, and your NAICS code. The NAICS code tells the algorithm what industry you're in. And every industry has a different risk tier inside the bank's model

High-risk NAICS codes that trigger automatic denials or reduced limits:

531210 (real estate brokerage): flagged
523910 (investment advisory): flagged
722511 (full-service restaurant): flagged
453998 (miscellaneous retail): flagged
541990 (catch-all professional services): flagged

Low-risk NAICS codes that sail through underwriting:

531311 (property management): approved
541611 (management consulting): approved
541810 (advertising/marketing): approved
561499 (business support services): approved
511210 (software publishing): approved

The difference between "real estate brokerage" and "property management" is roughly $105,000 in approved credit at the same bank, same day, same score

Nobody tells you this because nobody at Chase is incentivized to help you pick the right code. The loan officer doesn't know. The application doesn't explain. You type in your business activity and the algorithm decides your fate before a human ever sees your file

Step 1: Look up your current NAICS code at https://t.co/ghg91fN2Kr. Type in your business activity. You'll see 3-5 codes that technically describe what you do

Step 2: Check which code your LLC is registered under at your state's Secretary of State website

Step 3: If your code falls in the high-risk bucket, file an amendment changing your registered business activity to the lowest-risk code that still accurately describes your operations. "Marketing consulting" instead of "advertising agency." "Business support services" instead of "virtual assistant staffing." Same work, different risk tier

Step 4: Update the NAICS code on your IRS records by filing Form 8822-B or updating it on your next tax return

Step 5: Wait 30 days for state records to update, then apply

The guy in Phoenix used his $250,000 to put down payments on 4 rental properties in Mesa. Cash offers. Closed all 4 in 19 days. Combined rent covers every minimum payment plus $2,200 a month in cash flow. Refinanced at month 8 with a DSCR lender, paid the cards to zero, and kept all 4 houses

He went from denied to $250,000 approved to owning 4 rentals in under a year. One word on a state filing. That's it

the algorithm is deciding how much money you get before a banker even touches your application. and nobody at the bank is going to call you and say "hey try a different NAICS code." they'd rather deny you and move on lmfaooo

link in bio if you want up to $250,000 at 0% APR (700+ score required). we map every NAICS code, sequence every bank, and build the full stack

[Bryce DeGroat @NFL_Convo]

Last year I said to stay away from…

Breece Hall (Finished RB19)
RJ Harvey (Finished RB20)
Bucky Irving (Finished RB34)

Here are 5 RBs you need to AVOID in Fantasy Football this year❌🏈

[Everything Georgia @GAFollowers]

The Atlanta Hawks are now making all games televised locally through Atlanta News First. 🔥 @ATLNewsFirst

[Eric Smith @Eric_Smith08]

Amazon Prime costs $139/year.

Most members use 2 features: free shipping and Prime Video.

That's a $139 subscription doing the job of a $5.99 delivery fee.

J.P. Morgan estimates the actual value of Prime benefits at approximately $1,430/year more
than 10x the membership cost. But most of that value sits unclaimed behind tabs, menus,
and pages 200 million members have never opened.

And 4 of those benefits expire monthly. If you don't claim them by the end of the month,
they're gone. Amazon resets the clock. You paid for them. You lost them.

Amazon is counting on you not knowing.

Here are the 12 Prime benefits most members have never activated including the 4 that
vanish every 30 days 🧵

[katsu @katsuxbt]

Allen Iverson says he was so unstoppable one-on-one the NBA rewrote the rulebook to stop him and erased his signature move for good

“I remember telling my teammates, how are they gonna stop me in the NBA? Can’t run no 2-3 zone, no 1-3-1, no box-and-one, they got to play me straight up, one-on-one”

“Now, four scoring titles later, I don’t understand how a zone came back into the NBA. In the history of the NBA they never had zones”

“You got this 6-foot dude winning scoring title after scoring title. Like, all right, now let’s implement a zone. They took the hop-step out the game too because I was hopping over double teams, they can’t stop me”

[✨NolaDarling_2.0 👩🏾‍💻✨ @SM_TechB3aute]

Did you guys know about Home Depot’s Free Trade Skills Programs?

Home Depot: https://t.co/gB3PXLCwct

Electrical, HVAC, Residential Construction, Appliance Repair, Utility Maintenance, etc.

Yes, you get completion certifications.

[dank @cptdankkk]

Jaylen Brown says 60% of NBA players lose most of their wealth because the agency model broken

“I hope I ruffle all the motherfucking feathers. The agency model isn't working. It's a bunch of players going broke when they retire. It's like 60% of players within the first 10 years are losing majority of their wealth after making millions of dollars. Living check to check. You can blame the athlete, maybe they living expenses, but they was 18 or 19 when they came into wealth and the people that represented them didn't help them handle that in no capacity or care to. After they get you and they get in your pocket, they just go get the next one and get in his pocket”

“This is what I'mma stand on. And this could be controversial, but I don't care. If you can't help me at 18 or 19 to maintain my wealth, build a legacy, and keep what I'm earning and be able to influence me on my decision making, you shouldn't be representing me in the first place. Shouldn't even be allowed to walk into my house. But we allow this agency model. They keep coming in and they keep stripping everything and we giving it right back to the same people that was giving it to us in the first place. Giving it right back”

“Something got to change. There's been people taking advantage of these 18, 19 young kids, and nobody says nothing. I think that's a part of the problem where we don't say that and we just allow that to be normalized. No, that shit ain't normal. You get millions of dollars and now you broke. And the people that's representing you can't even pick up the phone now. These people have continued to do that and they're gonna continue to do it because they see it as business and economic opportunity”

[Johnny Rodriguez @AECONSISTENT]

@B3ttingManiac 🔒

[Elon Musk @elonmusk]

Wow

[Johnny Rodriguez @AECONSISTENT]

@Raindropsmedia1 Naw just attacking folk that look vulnerable

[Will @WillHayes_24]

From an NFL standpoint, this is like a 35 year old running back with multiple ACL tears demanding teams pay him $20 mil per year💀

[Johnny Rodriguez @AECONSISTENT]

@ANON_BETTING Free

[Ja'Kobi Lane @cantGuardJak1]

LFG

[Johnny Rodriguez @AECONSISTENT]

@ANON_BETTING NBA

[Johnny Rodriguez @AECONSISTENT]

Legendary 😂

[Johnny Rodriguez @AECONSISTENT]

@TRIGGERHAPPYV1 This is a common sense post

[Johnny Rodriguez @AECONSISTENT]

The Evils

[Aariv Khanna @AarivKhanna]

Your iPhone has been hacked if you see THESE 7 signs.

I ignored #4 for 3 months.

Someone in Russia had full access to my photos, messages, and bank accounts.

Here's what to check RIGHT NOW:

[Johnny Rodriguez @AECONSISTENT]

@btidy216 Had Miles Points Assists nigga sold vs his home state