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“So based on that, I made dozens of home purchases in a metro called Madera, California. And on average, the prices there since that time, 2,009 to now, have gone up five x. Now there's a few places in The US where they've gone up more than five x, but not a lot. Madera easily beat 99% of all cities in The US in terms of the multiples between 2009 and 2025 because of all the good stuff that was happening in Madera, job growth, income growth, home price growth.”

“I think that the office space is beaten down at this point of time, but it's slowly on its way to recovery, and there's a number of factors. First, we are seeing very strong back to work sort of movements. More and more companies that were saying two days a week are now saying three days, four days, five days a week. We are also not seeing any new construction in office. We have not seen a new construction in office for three, four, five years.”

“We have a surplus of commercial real estate now with the advent of so many people working at home. We have tons of commercial property that is literally vacant. Any city you go to, you can find that. Now there are companies that are being creative. They are turning those into residential housing because we have a lack of residential housing.”

“I'll give you two numbers. In 2025, only 21% of all homes sold in The United States were first time buyers. One out of five. That's terrible. And did you know that the age of the first time buyer is now 40? It used to be, not very long ago, you know, around 30. So now the first time buyer is 40 years old and only buys one out of five homes with investors buying more homes than a first time buyer.”

“So we're an AI first company. And what that means is that each employee in our company is required to be highly competent in the use of AI. There is a minimum of one AI training per week that a 100% of employees must attend and also an AI demo session where you get to see what other people in the company are using with AI. You have to provide proof that you use AI for one hour a day, which is hard because, you know, one hour a day is a lot of usage.”

“What we found was there was strong correlation between job growth, income growth, home price growth, and, crime reduction, and population growth. These five areas seem highly correlated to real estate profits. And all of them make sense initially because you're like, sure. That makes sense.”

“So we effectively were couldn't move. We couldn't change anything. We couldn't, you know, pick up a new job. We couldn't move to a different city. So there was a very strong lock in effect because of the extraordinarily low interest rates and then extraordinarily high interest rates within an eighteen month time frame. So you went from all time low interest rates to not all time high, but very high interest rates. That difference was so huge that it created a lock in effect. And that lock in effect reduced single family inventory so much that at one point, we only had 50% of the typical inventory.”

“A multifamily property was going back to the bank, and the bank allowed the new buyer, so there was a new buyer, to basically buy the property with a 10% down payment, where most properties today if I wanna buy a property, I have to put 30% down, 70% loan. But this property was allowed to be a 90% down, 10% equity. I've heard of three or four of these kinds of properties.”

“But all markets at certain points are gonna experience some significant drops. That is the time when you need to have some money on the side and to be ready to buy. It's scary, but it's also the time when the greatest profits are made.”