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 🌮
03/27/2026

Me bout to tear up some tacos 🌮

02/24/2026

Home equity is one of the most overlooked tools homeowners have. If you’ve built up a lot of equity and you’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 75–80%, and in riskier deals they’ll drop to 65%.

02/19/2026

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

Here’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 it’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 won’t qualify for FHA/conventional

āš ļø The catch
Hard money is more expensive:

Higher interest rate

Fees (ā€œpointsā€)

Short term (often 6–18 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 — it’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, it’s not just ā€œHGTV moneyā€ — it’s a strategy that takes planning, numbers, and patience.

Here’s what flipping really means:

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Usually it’s outdated, needs repairs, or just ugly.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

🧰 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 don’t know your ARV, you’re basically guessing.

ā³ 4) You’re paying for time while you hold it
Every month you own the flip, you’re paying:

interest/mortgage

insurance

taxes

utilities
That’s why timeline matters.

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

āœ… Flipping isn’t gambling if you treat it like a business.

02/17/2026

Real estate investing isn’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.

Here’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 (that’s equity). Over the years, the home may also go up in value. That’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 you’ve built inside your property. Some people use it to upgrade, buy another property, or invest smarter—especially if they don’t plan to sell anytime soon.

šŸ“ˆ 4) Playing the long game
Real estate investing isn’t always about ā€œgetting rich fast.ā€ For most people, it’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€ 🤣🤣🤣 Priscilla sells houses
01/31/2026

ā€œI want us to grow togetherā€ 🤣🤣🤣
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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