Jay from Houston

Jay from Houston Entrepreneur | Real estate Real estate
(1)

03/27/2026

Me and my girl showing out at your wedding šŸ•ŗ

Me bout to tear up some tacos šŸŒ®
03/27/2026

Me bout to tear up some tacos šŸŒ®

02/24/2026

Home equity is one of the most overlooked tools homeowners have. If youā€™ve built up a lot of equity and youā€™re not planning to sell, why not use it to buy a rental property? Your equity can help you acquire another home, collect rent each month, and grow your net worth faster over time.

02/23/2026

a house in Houston. Part 1

02/20/2026

The 70% Rule is a quick way investors decide if a flip deal has enough room for profit.

āœ… The rule

An investor should pay no more than 70% of the ARV (After Repair Value) minus repairs.

Formula:
Max Offer (MAO) = (ARV Ɨ 0.70) āˆ’ Repairs

Why it exists
That leftover 30% buffer is meant to cover:
closing costs + lender fees (hard money points/interest)
holding costs (taxes, insurance, utilities)
agent commissions + seller concessions
surprises during rehab
profit

Quick example

If a home will be worth $300,000 after repairs and needs $40,000 in work:

ARV Ɨ 0.70 = 300,000 Ɨ 0.70 = 210,000
210,000 āˆ’ 40,000 = $170,000
āœ… Max offer = $170,000

Important note

The 70% rule is a starting point, not a guarantee. In hot markets some investors use 75ā€“80%, and in riskier deals theyā€™ll drop to 65%.

02/19/2026

Hard money is basically short-term real estate money used to buy or renovate a property fast ā€” usually for investors, not traditional homeowners.

Hereā€™s the simple version:

šŸ’° What ā€œhard moneyā€ means
A hard money loan is funded by a private lender (not a normal bank). The lender cares more about the deal + the property value than your W2 income.

šŸšļø What itā€™s used for
Most common for:

Fix & flips

Buying distressed homes

Quick closings when a regular loan would be too slow

BRRRR deals (Buy, Rehab, Rent, Refinance, Repeat)

ā³ Why people use it
āœ… Fast approval + fast funding
āœ… Less paperwork than banks
āœ… Can fund repairs in some cases
āœ… Great when the property wonā€™t qualify for FHA/conventional

āš ļø The catch
Hard money is more expensive:

Higher interest rate

Fees (ā€œpointsā€)

Short term (often 6ā€“18 months)

You need a real exit plan (sell or refinance)

šŸ“Œ Bottom line
Hard money is a tool to get the property, add value, then cash out or sell ā€” itā€™s not meant to be held long-term.

02/18/2026

Flipping a home is basically buying a property that needs work, fixing it up, then selling it for a profit.

But for the everyday person, itā€™s not just ā€œHGTV moneyā€ ā€” itā€™s a strategy that takes planning, numbers, and patience.

Hereā€™s what flipping really means:

šŸšļø 1) You buy a home under market value
Usually itā€™s outdated, needs repairs, or just ugly. The goal is to buy it cheap enough that thereā€™s room for profit after renovations.

šŸ§° 2) You add value with smart renovations
Not every upgrade adds value. The best flips focus on what buyers pay for:

kitchens + bathrooms

flooring + paint

curb appeal

fixing major issues (roof, foundation, electrical) if needed

šŸ“Š 3) You win or lose on the numbers
A flip only makes sense if the math works:
Purchase Price + Repairs + Holding Costs + Selling Costs = must be LOWER than the expected resale price (ARV).
If you donā€™t know your ARV, youā€™re basically guessing.

ā³ 4) Youā€™re paying for time while you hold it
Every month you own the flip, youā€™re paying:

interest/mortgage

insurance

taxes

utilities
Thatā€™s why timeline matters.

šŸ’µ 5) The payoff is either profitā€¦ or a lesson
When it goes right, you can cash out a profit and repeat.
When it goes wrong, itā€™s usually because of underestimated repairs, bad contractors, overpaying, or pricing it too high.

āœ… Flipping isnā€™t gambling if you treat it like a business.

02/17/2026

Real estate investing isnā€™t just for ā€œrich peopleā€ or big companies.

For the everyday person, it simply means using property to build wealth over time instead of only working for a paycheck.

Hereā€™s what it looks like in real life:

šŸ  1) Buying a home and letting time build value
When you own, a portion of your payment can go toward paying down your loan (thatā€™s equity). Over the years, the home may also go up in value. Thatā€™s you building net worth while living your life.

šŸ”‘ 2) Buying a rental property (one day)
A rental is just a home someone else pays you to live in. Done right, the rent helps cover the mortgage, and you build equity while the tenant pays down the loan.

šŸ’° 3) Using equity like a tool
Equity is money youā€™ve built inside your property. Some people use it to upgrade, buy another property, or invest smarterā€”especially if they donā€™t plan to sell anytime soon.

šŸ“ˆ 4) Playing the long game
Real estate investing isnā€™t always about ā€œgetting rich fast.ā€ For most people, itā€™s about steady growth:

owning something that tends to rise over time

having a place to live (or rent out)

building assets you can pass down

āœ… The goal: more options later
More freedom, more stability, and more ways to grow your money beyond savings alone.

02/16/2026

Question: If you already own a home with lots of equity? What's stopping you from putting that equity to work and purchasing another home to own as a rental property to earn more equity instead of it sitting doing nothing if you don't plan on selling anyways??

ā€œI want us to grow togetherā€ šŸ¤£šŸ¤£šŸ¤£ Priscilla sells houses
01/31/2026

ā€œI want us to grow togetherā€ šŸ¤£šŸ¤£šŸ¤£
Priscilla sells houses

Saving one Quarter a day is $10,250 in a year.... Let that sink in.
01/24/2026

Saving one Quarter a day is $10,250 in a year.... Let that sink in.

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