Hey all, long time since I have posted but something worth noting that took place on 3/27/26 and is now in motion to pass Congress (clarity act) Here is the inside scoop provided by Coinbase: Fannie Mae will now accept cryptocurrency-backed mortgages for the first time, via a new product from Better Home & Finance Co. (BETR) and Coinbase that lets borrowers pledge bitcoin or USDC as collateral for their down payment on a conforming loan. We believe the structure is very important. While these are still Fannie Mae–eligible mortgages, meaning they sit inside the same underwriting framework as traditional loans, this vehicle shifts a portion of the borrower’s equity into segregated digital asset collateral. This follows last year’s directive from the Federal Housing Finance Agency (FHFA) asking Fannie Mae and Freddie Mac to study how crypto holdings could count as mortgage reserves, and represents one of the first concrete implementations of that review. In our view, the signal here is less about immediate volumes - which we think are likely to be small and constrained by conservative haircuts and custody requirements - and more about creating a major housing-finance benchmark explicitly recognizing digital assets in its risk models. For crypto markets, this is another data point in a broader shift from price speculation toward balance-sheet utility. Allowing borrowers to use BTC or USDC as pledged collateral (rather than selling it) incrementally reinforces the narrative of crypto as productive collateral and deepens the link between onchain wealth and the real economy, particularly U.S. housing.

For most lenders, the answer is no. ​ A borrower reached out this morning needing a refinance to cover an upcoming balloon. ​ This was the first investment property they’d bought in 5+ years. ​ They bought it with a hard money loan, rehabbed it, intended to flip it… and then it sat. ​ Now it’s time to pivot, hence the refinance. ​ Here’s the problem. ​ Most lenders want to see recent investing experience within the last ⚠️36 months⚠️. ​ So even though this borrower owns rentals, their older experience doesn’t “count” for a lot of lenders. Some would disqualify them without even looking at the property’s numbers. ​ Thankfully, we’ve run into this before. ​ We’re taking them to a lender that will: 👉 Qualify a borrower based on rentals they currently own 👉 Qualify a borrower if they own their primary residence ​ In other words, they look at the full picture, not just a 36‑month window. ​ If you’re coming back to investing after a long hiatus, keep this in mind when you’re shopping lenders. ​ Old experience doesn’t always show up as “experience” on a lender’s matrix. A lot of this game is about who you know and which guidelines they actually use. ​ For those of you who’ve taken a hiatus: ❓How long has it been since your last deal? ❓Have you ever been told you were “inexperienced” even though you own rentals? 👇Share your experience in the comments so others can learn from it ​ P.S. If you’re worried this might be you soon, comment “INVESTOR” with how long it’s been since your last purchase, and I’ll reply with a few things to prep before you talk to lenders so you don’t get surprised at refi time.

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A scaling investor came to us on a tight 30‑day deadline. If he didn’t refinance in time, the balloon payment was due. ​ He’d already talked to a few “big name” lenders. ​ Most of them were advertising that one story deal they closed in 30 days… ​ ​ But when you ask for their average turn time, it’s more like 35–45 days. ​ That doesn’t work when the clock is ticking. ​ So we went with a lender we’ve personally closed with, repeatedly, in under 30 days. ​ And that’s exactly what happened here. ​ ​ We closed in under 30 days, balloon handled. ​ Now we’re already looking at two more of his deals with the same 30‑day timeline. ​ You need a lender whose normal process matches your deadline. ​ Curious for the group: who here has a “30‑day” deal that turned into 45–60? What happened? ​ If you’re currently in that situation, comment “30” with your rough dates (application submitted, close of escrow date) and we can walk through whether this is normal for your deal type or a lender issue.

Three years ago I was juggling three different companies at once. ​ Waking up exhausted every day. Busy constantly. And nothing was really moving. ​ At some point I looked up and didn’t recognize myself. ​ I was anxious. Impatient. Numb. ​ I remember watching one of the biggest names in real estate — the guy whose portfolio everyone points to as the goal — and feeling… nothing. ​ And in that quiet, I finally asked the question I’d been avoiding: ​ Did I ever actually choose any of this? ​ The answer was no. ​ I had just kept saying yes to opportunities and calling it “ambition.” ​ So I stopped. I walked away from most of it and committed to one lane. ​ What happened next surprised me. ​ I started building something that actually grew. And I got my peace back. ​ Task switching had been killing me and I didn’t even have a name for it. ​ Dividing your attention across four things doesn’t mean four things move. It usually means nothing does. ​ One lane. One focus. Everything started to change. ​ So here’s the tough love: ​ Before you dive into another asset class… Before you binge another strategy breakdown you’re not even sure you want… ​ Pause and ask: ​ Do I actually want to flip houses? Do I actually want to own rentals? Do I actually want the life that comes with the strategy I’m chasing? ​ Because if the answer is no — or even “I don’t know” — more information won’t fix it. ​ You’re stuck because you haven’t decided what you’re really building. ​ Make the decision first. Then go analyze a real deal in that lane. ​ When was the last time you stopped and asked yourself if the life you’re building is one you actually want?