Eb_keys

New Jersey real estate specialist

[Eb_keys @ebkeys_]

@SallyMayweather cant be, people were getting custom homes built in 2000 with a 50k salary supporting the whole family. now 100k gets you a decent apartment. the math isnt making sense.

[Eb_keys @ebkeys_]

@JoshuaBarzon @MrsCMFrancis its affordable because there is little to no demand. no one wants to live in iowa lol

[Eb_keys @ebkeys_]

@VladTheInflator lol so there was no mortgage on the condo?

[Eb_keys @ebkeys_]

@DailyLoud wouldnt it be easier to just...move?

[Eb_keys @ebkeys_]

@RentYourStocks If rates are going up then buying before they do was in fact the right advice.

[New York Post @nypost]

Manhattan rents soar to highest ever level - with $5K+ median, and raging bidding wars https://t.co/TFf7SwuTg0

[unusual_whales @unusual_whales]

The median age of first-time homebuyers has jumped from 28 in 1991 to 40 today, per RealtorCom.

[Eb_keys @ebkeys_]

the BRRRR strategy works in NJ but nobody talks about where.

Trenton, Camden, Newark have a ton of distressed properties with real upside if you know how to underwrite a deal and find the right lender

this is where generational wealth actually gets built

[Eb_keys @ebkeys_]

buyers: seller concessions require leverage.
In this market to negotiate a seller concession, you have to have a justifiable reason.

The ultimate leverage is the willingness to walk away.

[Eb_keys @ebkeys_]

I became a HUD certified housing counselor because i watched people miss opportunities and get taken advantage of by bad loans, predatory lenders, agents who didn't explain anything.

My goal is to share all the game I have to create more homeowners.

[Eb_keys @ebkeys_]

little known: when you buy a multifamily in NJ with FHA
the appraiser has to calculate projected rental income that income can offset your debt-to-income ratio meaning you qualify for MORE than you think.

[Eb_keys @ebkeys_]

what's stopping you from buying in 2026?
A) rates too high B) can't save for down payment C) don't know where to start D) credit needs work

[Eb_keys @ebkeys_]

the #1 thing killing home sales in NJ right now
overpriced listings sitting 60+ days then price cuts that make buyers think something's wrong

your first 2 weeks on market are your most valuable don't waste them chasing a number the market won't give you

[Eb_keys @ebkeys_]

unpopular opinion:
waiting for the "perfect time" to buy is just fear with a financial excuse attached to it

[Eb_keys @ebkeys_]

most first time buyers don't know NJ has down payment assistance programs that don't need to be paid back
not a loan. not deferred.

free money sitting on the table because nobody told you to ask

[Eb_keys @ebkeys_]

sellers: pricing your home $20K over market doesn't get you $20K more
it gets you 60 days on market and a lowball offer from someone who watched you sweat
price it right the first time

[Eb_keys @ebkeys_]

NJ renters — what's the #1 reason you haven't bought yet?
drop it below 👇

[Eb_keys @ebkeys_]

buying a home in NJ with bad credit isn't impossible
it's just harder without the right person in your corner
580 credit score gets you into an FHA loan 500-579 you need 10% down
most lenders won't tell you that second part

[Eb_keys @ebkeys_]

This actually happens pretty often lol

[New York Post @nypost]

Modest New Jersey home listed for $800K just sold for $1.18M after an insane bidding war with 16 offers https://t.co/PWmei0EFf4

[Eb_keys @ebkeys_]

DM me if you're in NJ and want to know where you actually stand
i'm a Realtor & HUD-certified counselor. this is what i do.
follow @ebkeys_ 🔑

[Eb_keys @ebkeys_]

homeownership in NJ isn't hard
nobody just wants to tell you the truth about why you're still renting 🧵

[Eb_keys @ebkeys_]

i'm not saying buying is for everyone
i'm saying most people who THINK they can't buy actually can
they just never had anyone sit down and run the real numbers with them
that's the gap i fill