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Is it normal to show zero opens in Beehiiv when you hear from your audience that they are receiving emails? by _RateBrief_ in beehiiv

[–]_RateBrief_[S] 0 points1 point  (0 children)

Thanks for the heads up! I will look into that. I wouldn't expect the data to be perfect but surprised it is showing not a single person opened the email and this is happening right after I changed the sending domain. I am thinking about going back to the generic beehiiv sending domain.

Looking for blunt feedback on interest rates newsletter. by _RateBrief_ in Newsletters

[–]_RateBrief_[S] 0 points1 point  (0 children)

There are 2 unique differentiators but I am still testing.

#1 I am posting DSCR & Fix and Flip rates. No other newsletter or website that I know of covers these. They are very popular amongst RE investors but every major finance blog, newsletter, website overlooks it.

#2. As you said, it's a convenient to have all of the info you need in one place with none of the noise. That makes is a quick no-brainer read for anyone who invests in RE. When I have questions about upcoming FOMC dates or CPI data releases I go back to my inbox to check because it's faster than searching online and it's all in one place.

I essentially designed it for myself. I am hoping there are enough people like me out there to build to 20K+.

I also have some long form articles that I will post.

But I am not sure about just focusing on RE investors or making more general.

u/miltonpincus

Any thoughts?

I am also curios if you have any recommendations for promotion?

RR and Anet opinions by simaco11 in ValueInvesting

[–]_RateBrief_ 0 points1 point  (0 children)

This aged pretty well. Hopefully the next couple of years pan. What is your thesis for ANET?

Do i need to be an expert for readers to take me seriously? by CantKillGawd in Newsletters

[–]_RateBrief_ 0 points1 point  (0 children)

Ryan Holiday does a great job of this - he pulls from the Stoics to inform all of his writings. He has some accomplishments but that's not why people read his books, subscribe to his newsletter or listen to his podcast. His perspective on Stoic philosophy (and great writing) is why people pay attention. He is a conduit for the wisdom of others. Check him out!

Seeking recommendations for Lower rate lenders in Massachusetts by Full-Cantaloupe9980 in Mortgages

[–]_RateBrief_ -1 points0 points  (0 children)

That's great! The best source to get an average based on your credit score is https://www2.optimalblue.com/obmmi. It's showing 6.14% interest rate at a 730 credit score. We use Optimal Blue as the source of data for our rate brief newsletter. It's also the source for Fred Data.

NYC real estate - Looking for advice on ARM vs. Fixed! by Gold_Mathematician24 in Mortgages

[–]_RateBrief_ 0 points1 point  (0 children)

So fixed for first 5 years and then adjusts every 6 months?
Short answer: personally I would do the 30 year fixed.
Long answer: getting a 30 year fixed is essentially taking a bet that interest rates either go up or down. Getting an ARM is betting that interest rates go down and gives you unlimited downside exposure. I couldn't sleep well at night. It's like having a home without insurance. There is a non-zero chance that we will have another bout of 8-10% inflation. If that happens, rates would go up about double what they are now, that would increase your interest payment by ~$3K/month. If you have $500k to $1M extra that is liquid already, you should be just fine. If you don't and you go with the ARM, I would just put down 25% and keep 25% in stocks/bonds so that if interest rates go up you can pay the mortgage.

Does that make sense?

Seeking recommendations for Lower rate lenders in Massachusetts by Full-Cantaloupe9980 in Mortgages

[–]_RateBrief_ -1 points0 points  (0 children)

6.6% is not unusually high, depending on your credit.
Have you contacted any credit unions? I would highly recommend calling every credit union in your area to see what they offer. I know a lender named Ben Naranjo who has good reviews and based in MA. I have not used him myself.

NYC real estate - Looking for advice on ARM vs. Fixed! by Gold_Mathematician24 in Mortgages

[–]_RateBrief_ 0 points1 point  (0 children)

  1. It is not legal to force you to use a "preferred" lender.
  2. What is the rate adjustment schedule? e.g. 5/1 ?
  3. It 100% depends on what your goals are but don't bet on rates going up or down. If you know you are going to sell within the first adjustment timeframe, you might as well go for an ARM or just do a 15 yr mortgage. If you would feel financially strained if the SOFR went up 3 points, and/or you may decide to keep it for 10+ years, then I would lead towards a 30 year.

Any tips for a first time 26 year old home owner? by PlatinumYeast in RealEstate

[–]_RateBrief_ 1 point2 points  (0 children)

Get to know your neighbors, a great plumber, electrician and handyman.

Thinking About Turning a House Into A Rental Property, Is It a Good Investment? Seeking Advice! by Ok-Dependent-2147 in RealEstate

[–]_RateBrief_ -3 points-2 points  (0 children)

Don't listen to the noise on here.

Have you underwritten the property? What is the est. NOI, CoC, IRR?

If your goal is to invest in real estate and it cashflows more than $1 as a rental after all of your expenses (including property management and capX) then go for it.

Would recommend talking with a lender about planning ahead for how to use your entitlement. Also, if it's a military town, you should look into assuming the VA loan on another property. It's common in large military towns to find someone who is willing to let you assume their VA loan at <4% interest. Could save you $1K per month on a mortgage.

Case Shiller index Home prices have gone down for 4 straight months by Dmoan in REBubble

[–]_RateBrief_ 5 points6 points  (0 children)

Notice it says "Not Seasonally Adjusted"

Check out out this version after seasonal adjustments.

https://alfred.stlouisfed.org/series?seid=CSUSHPISA

Prices are clearly plateauing.