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Spring 2K mixed by Epaulets

The second entry in a series of K-Pop, Dance and R&B grooves. Big names, cool vibes, mixed by your friendly neighborhood DJ. Download now and have a listen.

About to enter the second month of stay-at-home, and everything is going well. Fortunate to have an almost bucolic daily routine involving research, notebooks, neighborhood kids on bikes, and sunburnt succulents. So glad to see the stream of couch hangouts, goofy pets, watch parties, and so on- “Togethering remotely” with y’all.

Spring 2K mixed by EpauletsDownload

Why Waiting for Lower Rates Won’t Fix Affordability

Housing affordability went from 25% of income to 37% in just a few years. And waiting for rates to drop? It’s not the game-changer you think it is. 📈

This isn’t about giving up on homeownership. It’s about being honest about what actually works in today’s market.

Even with the Fed potentially cutting rates, most experts predict mortgage rates will still be above 6% through 2026. National affordability might only improve to 31% – and that’s with incredibly optimistic assumptions.

So what do you actually do when traditional advice isn’t working?

In this episode, I get real about the three options that can dramatically improve affordability: 🏠 Live smaller or double up 🗺️ Move to a more affordable area (I share my own California-to-Seattle story) 💰 Skip the mortgage entirely with co-investment

Here’s the thing – I left California over a decade ago because even then, affordability was hitting the limit. Today? The typical California household would need TWO-THIRDS of their income just to qualify for a mortgage with 20% down.

But what if moving isn’t an option? What if your career, family, and life are tied to an expensive metro? That’s where co-investment gets interesting. Lower monthly payments than a mortgage, no qualification stress, and flexibility that traditional loans can’t match.

What’s keeping you from buying? Is it the monthly payment, qualifying for the mortgage, or something else? Let me know in the comments 👇

Coming next: How geographic moves can add YEARS to your retirement timeline.

#realestatedata #HousingAffordability #Homeownership #MortgageRates #CoInvestment #FirstTimeBuyer #HousingCrisis #RealEstateData #HomeBuying #PropertyInvestment #HousingMarket #RealEstateEducation #DataDriven #HousingTips #AffordableHousing

Breakbot & Irfane – The Less I Know (Official Audio)

‘Remedy’ EP out now on Ed Banger Records
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Peter & Gordon : A World Without Love

Peter & Gordon : A World Without Love : Original Hits (1996)

Please lock me away
And don’t allow the day
Here inside, where I hide with my loneliness

I don’t care what they say
I won’t stay in a world without love

Birds sing out of tune
And rain clouds hide the moon
I’m okay, here I stay with my loneliness

I don’t care what they say
I won’t stay in a world without love

So I wait and in a while
I will see my true love smile
She may come, I know not when
When she does, I’ll lose
So baby, until then

Lock me away
And don’t allow the day
Here inside, where I hide with my loneliness

I don’t care what they say
I won’t stay in a world without love

So I wait and in a while
I will see my true love smile
She may come, I know not when
When she does, I’ll lose
So baby, until then

Lock me away
And don’t allow the day
Here inside, where I hide with my loneliness

I don’t care what they say
I won’t stay in a world without love

I don’t care what they say
I won’t stay in a world without love