HeyJaredSophia W
My realm is residential real estate investment, with a knack for spotting gems in emerging markets. Beyond properties, my world blooms in urban gardens and thrives in crafting stylish interiors.
- Indexed issues, last 90 days
- 7
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- Sep 27, 2026
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- Jul 3, 2026
Latest issues
NEVER UNDERWRITE A DEAL... (opens the original)
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There is advice that circulates constantly and is completely correct: never underwrite a deal that only works after a refinance you have not done yet.There is also a question that follows it and almost never gets answered. What does stress-testing it actually look like? No haircut percentage. No rate band. No delay horizon. Just the instruction.Here is the test, on a deal kept round so the mechanics stay visible. Purchase $200,000, rehab $40,000, closing and carry $8,000 — all-in $248,000 agains
House Hacking 101 (opens the original)
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The rule is one sentence long, and almost nobody buying their first small multifamily has read it.On a three- or four-unit FHA purchase, the payment divided by the monthly net self-sufficiency rental income may not exceed 100 percent. Net income there means the appraiser’s estimate of fair market rent from all the units — including the one the buyer intends to occupy — less the greater of the appraiser’s own vacancy-and-maintenance estimate or 25 percent.Read plainly: the building’s rent, cut by
S2 Capital's $400M Multifamily Fund Returns $0 to Investors (opens the original)
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The Data<img alt="" class="sizing-normal" height="1080" src="https://substackcdn.com/image/fetch/$s_!kGE5!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fcd1fdb10-a8c1-
Your Louisiana Duplex Insurance Just Jumped 90% (opens the original)
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The Situation<img alt="" class="sizing-normal" height="819" src="https://substackcdn.com/image/fetch/$s_!MpN_!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimage
June Jobs Print Comes In at Half the Forecast — Mortgage Rate Slips to 6.43% (opens the original)
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The Data<img alt="" class="sizing-normal" height="1080" src="https://substackcdn.com/image/fetch/$s_!4ZqA!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F511ff8ea-2377-
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