# ![@jonbrooks Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::3360224431.png) @jonbrooks Jon Brooks

Jon Brooks posts on X about housing market, math, we are, market the most. They currently have [-----] followers and [---] posts still getting attention that total [-------] engagements in the last [--] hours.

### Engagements: [-------] [#](/creator/twitter::3360224431/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::3360224431/c:line/m:interactions.svg)

- [--] Week [---------] -38%
- [--] Month [----------] +78%
- [--] Months [----------] +1,007,384%

### Mentions: [---] [#](/creator/twitter::3360224431/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::3360224431/c:line/m:posts_active.svg)

- [--] Week [---] -19%
- [--] Month [---] +7.40%
- [--] Months [-----] +2,029%

### Followers: [-----] [#](/creator/twitter::3360224431/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::3360224431/c:line/m:followers.svg)

- [--] Week [-----] +7.60%
- [--] Month [-----] +35%
- [--] Months [-----] +181%
- [--] Year [-----] +187%

### CreatorRank: [------] [#](/creator/twitter::3360224431/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::3360224431/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  #797 [cryptocurrencies](/list/cryptocurrencies)  2.19% [countries](/list/countries)  1.75% [stocks](/list/stocks)  0.88% [celebrities](/list/celebrities)  0.88% [luxury brands](/list/luxury-brands)  0.44% [financial services](/list/financial-services)  0.44%

**Social topic influence**
[housing market](/topic/housing-market) #28, [math](/topic/math) #1887, [we are](/topic/we-are) 4.82%, [market](/topic/market) #296, [level](/topic/level) 2.63%, [in the](/topic/in-the) 2.63%, [if you](/topic/if-you) 2.63%, [up to](/topic/up-to) 2.19%, [money](/topic/money) 2.19%, [insurance](/topic/insurance) #915

**Top accounts mentioned or mentioned by**
[@theficouple](/creator/undefined) [@realmacroecon](/creator/undefined) [@homeloanbill](/creator/undefined) [@jgpuck99](/creator/undefined) [@rogainetrader](/creator/undefined) [@mmni99inc](/creator/undefined) [@grok](/creator/undefined) [@b2balzer](/creator/undefined) [@peterschif01](/creator/undefined) [@live_under_par](/creator/undefined) [@shakmad28](/creator/undefined) [@haydenbaldwin10](/creator/undefined) [@johnravenda](/creator/undefined) [@kjgillenwater](/creator/undefined) [@volumedynamics](/creator/undefined) [@chriswh82528480](/creator/undefined) [@tryng2lookahead](/creator/undefined) [@saladetomate18](/creator/undefined) [@polymarket](/creator/undefined) [@yeshuareigns33](/creator/undefined)

**Top assets mentioned**
[Bitcoin (BTC)](/topic/bitcoin)
### Top Social Posts
Top posts by engagements in the last [--] hours

"Institutional investors only represent 3-5% of the single family housing stock. The actual culprit is mom and pops. This is just another PR piece that wont REALLY help"  
[X Link](https://x.com/jonbrooks/status/2008968419815923887)  2026-01-07T18:26Z [----] followers, 79.2K engagements


"See this and immediately realize the housing market is broken"  
[X Link](https://x.com/jonbrooks/status/2010713220818841997)  2026-01-12T13:59Z [----] followers, 2.2M engagements


"Sun Belt apartments are breaking. Multifamily vacancy is now at the highest level since [----] and rents are getting cut hard. Austin: -21% Orlando Phoenix Atlanta Denver San Antonio: -10%+ Yes rents exploded after COVID. But supply finally caught demand. Now the cuts have started and [----] is going to bring even more. https://twitter.com/i/web/status/2010728486567342137 https://twitter.com/i/web/status/2010728486567342137"  
[X Link](https://x.com/jonbrooks/status/2010728486567342137)  2026-01-12T15:00Z [----] followers, 20.1K engagements


"We want builders to build starter homes at $200250k so the next generation can actually. start. Instead they sell $400500k+ homes and call them starter homes. $3190/month is NOT a starter home"  
[X Link](https://x.com/jonbrooks/status/2012963198295810282)  2026-01-18T19:00Z [----] followers, 428.8K engagements


"I had a rental making $500/month in cash flow. Then a pipe burst. The fridge died. The neighbors dog wrecked the fence. Profits gone. Still owned the liability"  
[X Link](https://x.com/jonbrooks/status/2012993397540159820)  2026-01-18T21:00Z [----] followers, 13.8K engagements


"Explain this. 12% of [--] year olds are married & own a home"  
[X Link](https://x.com/jonbrooks/status/2013355790820642865)  2026-01-19T21:00Z [----] followers, 1.2M engagements


"33% of homes were free and clear in [----]. that didn't prevent prices from coming down high equity protects owners not the market when buyers disappear comps begin to fall and it rolls downward. the same staircase prices went up is the same one that will cause it to go down right now buyers are in the payment shock stage owners and builders are starting to cut we all see this. it's the beginning of a cyclical change. will take years to play out. already playing out in Florida and Texas specifically. Ultimately - equity in unevenly distributed recent buyers have far less equities buyers and"  
[X Link](https://x.com/jonbrooks/status/2014181522467700872)  2026-01-22T03:41Z [----] followers, 17.1K engagements


"The housing lock-in effect is beginning to fade. More people now have a 6%+ rate than a rate below 3%"  
[X Link](https://x.com/jonbrooks/status/2015801905859948940)  2026-01-26T15:00Z [----] followers, 26K engagements


"Consumer Confidence is at a [--] year low. How bad is this for the housing market"  
[X Link](https://x.com/jonbrooks/status/2016526689912701108)  2026-01-28T15:00Z [----] followers, [----] engagements


"As the housing market starts to correct and prices come down there will be fantastic opportunities to pick up real estate prices from distressed sellers at discounted prices. However it takes YEARS for the market to correct this is not going to happen overnight. Revisit this in 2-3 years. https://twitter.com/i/web/status/2016587081217118644 https://twitter.com/i/web/status/2016587081217118644"  
[X Link](https://x.com/jonbrooks/status/2016587081217118644)  2026-01-28T19:00Z [----] followers, 20.3K engagements


"We are not going to destroy the value of their homes so someone who didnt work very hard can buy their home. I dont want to drive housing prices down. I want to drive them up. Trump Just say youre choosing asset owners over future homeowners. https://twitter.com/i/web/status/2017007270014460219 https://twitter.com/i/web/status/2017007270014460219"  
[X Link](https://x.com/jonbrooks/status/2017007270014460219)  2026-01-29T22:49Z [----] followers, 31.3K engagements


"If housing prices had simply followed income growth since [----] the average home today would be $138000. So what actually broke"  
[X Link](https://x.com/jonbrooks/status/2017009868050514291)  2026-01-29T23:00Z [----] followers, 321.7K engagements


"You know it's bad when you are getting cold calls form builders offering 25-30% off their ENTIRE new construction portfolio. But really. people keep telling me everything is "just fine" -- Trump and AI will bail out what's happening in real estate. People are SO blind and ignoring reality. The math is the math. That's why I started this X account in October. I'm just going to SHOW you. https://twitter.com/i/web/status/2017221257968996553 https://twitter.com/i/web/status/2017221257968996553"  
[X Link](https://x.com/jonbrooks/status/2017221257968996553)  2026-01-30T13:00Z [----] followers, [----] engagements


"Trump basically said he wants to keep home prices high so the next generation who doesnt work so hard cant afford to buy. Is this the American Dream or asset protection for Boomers at the expense of everyone else"  
[X Link](https://x.com/jonbrooks/status/2017372257673482616)  2026-01-30T23:00Z [----] followers, [----] engagements


"Without population growth the housing market is cooked. U.S. population is projected to grow just +756600 over the next [--] months. That would be the slowest population growth of this century. Housing demand math isnt optional"  
[X Link](https://x.com/jonbrooks/status/2017644047859392784)  2026-01-31T17:00Z [----] followers, [----] engagements


"Migration to the Southern states is collapsing and affordability is the culprit. 📉 60% off the pandemic peak 📉 4th lowest rate on record (0.27%) 📉 Florida: down 90% When the Sun Belt stops being affordable the migration story breaks"  
[X Link](https://x.com/jonbrooks/status/2017674243916562560)  2026-01-31T19:00Z [----] followers, [----] engagements


"what's interesting is people get so far away from fundamentals and just focus on recency bias "real estate always goes up" when we've had falling mortgage rates for [--] years. it's not rocket science that after a 68%+ increase in home prices within a few years that we would have a correction. not to mention affordability demographics supply dynamics migration patterns. etc. https://twitter.com/i/web/status/2017711751173960118 https://twitter.com/i/web/status/2017711751173960118"  
[X Link](https://x.com/jonbrooks/status/2017711751173960118)  2026-01-31T21:29Z [----] followers, [---] engagements


"First sellers pulled listings. Now theyre coming back. Delistings hit a 10-year high last year. Relistings are now accelerating. The inventory story is changing. We actually have pent up supply"  
[X Link](https://x.com/jonbrooks/status/2017795043227275773)  2026-02-01T03:00Z [----] followers, [----] engagements


"A 67-year-old reached out to me worried about using all her cash to buy a house in this market. Heres what I recommended instead: Invest the cash in a low-risk asset yielding 78% Use that cash flow to rent Build flexibility into the lease (extension + early exit) At that age youre one medical event away from needing to move. At this point in the market cycle: Liquidity ownership. Agree or disagree"  
[X Link](https://x.com/jonbrooks/status/2017976232970014982)  2026-02-01T15:00Z [----] followers, [----] engagements


"People keep asking why buyers disappeared. They didnt. They just ran the numbers"  
[X Link](https://x.com/jonbrooks/status/2018006433267339511)  2026-02-01T17:00Z [----] followers, 59K engagements


"Explain this. 12% of [--] year olds are married & own a home"  
[X Link](https://x.com/jonbrooks/status/2018097032150614318)  2026-02-01T23:00Z [----] followers, 18.6K engagements


"@Reniec7 what percentage of people stay in their house for [--] years"  
[X Link](https://x.com/jonbrooks/status/2018317072820846722)  2026-02-02T13:34Z [----] followers, [----] engagements


"If you bought a house after the 2020-2022 bubble you are stuck due to your price If you bought a house before [----] you are stuck because of your interest rate For everyone else you can generally rent a comparable home for less than you can buy it for. so you stay put and negotiate rents until prices come down = Frozen market https://twitter.com/i/web/status/2018338622483878072 https://twitter.com/i/web/status/2018338622483878072"  
[X Link](https://x.com/jonbrooks/status/2018338622483878072)  2026-02-02T15:00Z [----] followers, 86K engagements


"What do you expect when up to 50% of their income goes to shelter costs. As many as [--] percent of millennials are "not saving adequately" for retirement. As many as [--] percent of millennials are "not saving adequately" for retirement"  
[X Link](https://x.com/jonbrooks/status/2018365672221179944)  2026-02-02T16:47Z [----] followers, 79.8K engagements


"71% of real estate agents didnt sell a SINGLE property in 2025"  
[X Link](https://x.com/jonbrooks/status/2018399019458777105)  2026-02-02T19:00Z [----] followers, 832K engagements


"Florida and Texas Migration slows dramatically with Florida's migration down 93% from the peak. "The pandemic pulled forward migration to these popular states compressing multiple years of expected migration into a shorter window." - http://Realtor.com http://Realtor.com"  
[X Link](https://x.com/jonbrooks/status/2018414119473352956)  2026-02-02T20:00Z [----] followers, [----] engagements


"Americans didnt stop working harder. Income went up 10x. The cost of living went up far more: Homes: 17x College: 16x Healthcare: 42x Ask better questions"  
[X Link](https://x.com/jonbrooks/status/2018429217881637326)  2026-02-02T21:00Z [----] followers, 54K engagements


"The U.S. housing market is frozen. Just 2.8% of homes changed hands in the first [--] months of [----] the lowest in 30+ years. Why Over 70% of homeowners are locked into sub-5% mortgages. Few are selling. Buyers cant afford to buy. Stalemate"  
[X Link](https://x.com/jonbrooks/status/2018459424231235814)  2026-02-02T23:00Z [----] followers, 35.3K engagements


"Just wait until the green tries selling to the red Gen Z isnt even on the chart"  
[X Link](https://x.com/jonbrooks/status/2018489617347960882)  2026-02-03T01:00Z [----] followers, 1.1M engagements


"Things are going to change in 2026"  
[X Link](https://x.com/jonbrooks/status/2018519816412279188)  2026-02-03T03:00Z [----] followers, 11.4K engagements


"$136k is the new poverty level of income"  
[X Link](https://x.com/jonbrooks/status/2018791612575277065)  2026-02-03T21:00Z [----] followers, 27.4K engagements


"People really hate real estate agents but we are at the highest level of transactions through real estate agents ever -- 92% use a realtor There's more alternate options than ever before So why is this happening"  
[X Link](https://x.com/jonbrooks/status/2018806712460091606)  2026-02-03T22:00Z [----] followers, 11.1K engagements


"If a builder begs you to buy their inventory with their rate buy-downs to the 3s or 4s. then the property is simply. overpriced. Yes it's that simple"  
[X Link](https://x.com/jonbrooks/status/2018882326441415139)  2026-02-04T03:00Z [----] followers, [----] engagements


"Anything surprise you here"  
[X Link](https://x.com/jonbrooks/status/2019063398634500207)  2026-02-04T15:00Z [----] followers, [----] engagements


""the percentage of student loans transitioning into 90+ days of serious delinquency is up to 14.3% an all-time high." Why aren't people paying back their student loans"  
[X Link](https://x.com/jonbrooks/status/2019153997689680223)  2026-02-04T21:00Z [----] followers, 10.1K engagements


"Anyone who says owning real estate is passive income has never actually owned real estate"  
[X Link](https://x.com/jonbrooks/status/2019184192261849547)  2026-02-04T23:00Z [----] followers, [----] engagements


"Just got an email from a capital raiser. Theyre buying an entire community in North Carolina for 40% below replacement cost and it was just built in [----]. This is how it starts. https://twitter.com/i/web/status/2019415716055630067 https://twitter.com/i/web/status/2019415716055630067"  
[X Link](https://x.com/jonbrooks/status/2019415716055630067)  2026-02-05T14:20Z [----] followers, [----] engagements


"This cant be good for housing No job cant buy. BREAKING: U.S. employers announced [------] layoffs in January a 205% increase from December and the highest January figure since [----]. BREAKING: U.S. employers announced [------] layoffs in January a 205% increase from December and the highest January figure since 2009"  
[X Link](https://x.com/jonbrooks/status/2019472017464938996)  2026-02-05T18:03Z [----] followers, 56.9K engagements


"The next generation prefers brand-new over existing homes. Add a 3% rate buy-down and the decision gets even easier. Builders are slashing prices & giving incentives while resale sellers are still stuck in price discovery"  
[X Link](https://x.com/jonbrooks/status/2019486307668668850)  2026-02-05T19:00Z [----] followers, [----] engagements


"All my BTC friends OK"  
[X Link](https://x.com/jonbrooks/status/2019526424454148352)  2026-02-05T21:39Z [----] followers, [----] engagements


"Already starting to see it. Vintage purchase years of 2022-2025 will be really bad"  
[X Link](https://x.com/jonbrooks/status/2019546583952486605)  2026-02-05T23:00Z [----] followers, [----] engagements


"@theficouple Sentiment is one of the foundational demand factors If sentiment is down people dont go out and make large purchases"  
[X Link](https://x.com/jonbrooks/status/2019566384548544529)  2026-02-06T00:18Z [----] followers, [----] engagements


"Many people are over-leveraged and now giving back years of gains within a few days Will the pain continue Bitcoin is crashing so I have to say bye to the love of my life. Tough choices. [----] Bombardier Global [----] loaded [--] year warranty full programs only [---] hours full k-band and ready for starlink. Interior is gorgeous. 😢😢😢 find it on controller. https://t.co/h9c5ndbC0u Bitcoin is crashing so I have to say bye to the love of my life. Tough choices. [----] Bombardier Global [----] loaded [--] year warranty full programs only [---] hours full k-band and ready for starlink. Interior is gorgeous."  
[X Link](https://x.com/jonbrooks/status/2019585297575747768)  2026-02-06T01:33Z [----] followers, [----] engagements


"18.7% of Florida homeowners are 75+ years old. 15% of them own multiple homes. Thats a massive wave of inventory coming to market over the next decade. The housing shift most people arent pricing in"  
[X Link](https://x.com/jonbrooks/status/2019606985314885933)  2026-02-06T03:00Z [----] followers, 43.1K engagements


"@texasrunnerDFW not a single indicator I watch is flashing positive"  
[X Link](https://x.com/jonbrooks/status/2019616428291494128)  2026-02-06T03:37Z [----] followers, [---] engagements


"Imagine just buying the QQQ and making 20% returns and just living your life BTC is just entertainment The average cost to mine a single Bitcoin is now over $90000. The price of Bitcoin has collapsed to $67000. Everyone mining Bitcoin at the moment is losing a fortune. https://t.co/oERwZCaPso The average cost to mine a single Bitcoin is now over $90000. The price of Bitcoin has collapsed to $67000. Everyone mining Bitcoin at the moment is losing a fortune. https://t.co/oERwZCaPso"  
[X Link](https://x.com/jonbrooks/status/2019734226296590436)  2026-02-06T11:25Z [----] followers, 27K engagements


"@LonelyDirtRoad Yeah theyre just gamblers"  
[X Link](https://x.com/jonbrooks/status/2019736828971245675)  2026-02-06T11:35Z [----] followers, [----] engagements


"Rent Now Pay Later. really This is getting out of control. FOX: " Rent Now Pay Later. It's a new option for renters who are struggling to make the monthly payment . You pay them a fee or a monthly subscription but if you miss the payments that's when the interest rates go way up." https://t.co/Vn2dMxoi3V FOX: " Rent Now Pay Later. It's a new option for renters who are struggling to make the monthly payment . You pay them a fee or a monthly subscription but if you miss the payments that's when the interest rates go way up." https://t.co/Vn2dMxoi3V"  
[X Link](https://x.com/jonbrooks/status/2019742877413507392)  2026-02-06T12:00Z [----] followers, [----] engagements


"@LeadingReport the dems have to find better candidates. wow"  
[X Link](https://x.com/jonbrooks/status/2019746090908586275)  2026-02-06T12:12Z [----] followers, [---] engagements


"@Polymarket this is the demographic issue I talk about on my YT channel. it's massive and it will impact housing"  
[X Link](https://x.com/jonbrooks/status/2019773664896446615)  2026-02-06T14:02Z [----] followers, [---] engagements


"Sellers are cutting. Buyers are walking. Deals are stacking. The shift is already happening"  
[X Link](https://x.com/jonbrooks/status/2019788177465057757)  2026-02-06T15:00Z [----] followers, 47.9K engagements


"Lets do the math on Florida housing supply & demographics. Boomers (or older) passing over next [--] years (assuming only ONE property per Boomer -- which we know 15% own multiple properties let's just be conservative): 500k900k homes likely sold via estates Florida [----] closed sales: 340k homes / year That means: 500k homes = [---] YEARS of supply 900k homes = [---] YEARS of supply It's just math of the demographics. The supply is already scheduled. 10million properties 18.7% is 1.8million properties. then take 15% of that That's only [------] properties [------] properties coming up for sale over 10"  
[X Link](https://x.com/jonbrooks/status/2019811847000793597)  2026-02-06T16:34Z [----] followers, [----] engagements


"Only 23.1% of people made $100000+/yr last year"  
[X Link](https://x.com/jonbrooks/status/2019818374851944579)  2026-02-06T17:00Z [----] followers, 143.9K engagements


"Housing isnt breaking because of interest rates. Its breaking because the next buyer doesnt exist. Millions of owners are aging out Millions fewer buyers are aging in Prices assumed demand would be endless Markets dont crash when sellers panic. They crash when buyers disappear. https://twitter.com/i/web/status/2019848575677763883 https://twitter.com/i/web/status/2019848575677763883"  
[X Link](https://x.com/jonbrooks/status/2019848575677763883)  2026-02-06T19:00Z [----] followers, 72.2K engagements


"@Mr_Derivatives he's really a horrible person at this point. no one is laughing"  
[X Link](https://x.com/jonbrooks/status/2019854880320434438)  2026-02-06T19:25Z [----] followers, [----] engagements


"@ShakMAD28 How low do they need to go to bring back birth rates and offset boomer deaths"  
[X Link](https://x.com/jonbrooks/status/2019857350732181967)  2026-02-06T19:34Z [----] followers, [----] engagements


"@RealMacroEcon real estate is an illiquid asset class takes years to play out"  
[X Link](https://x.com/jonbrooks/status/2019868189270958254)  2026-02-06T20:17Z [----] followers, [----] engagements


"Florida demand didnt slow. It fell off a cliff. Net domestic migration is down 93% from peak. [--------] wasnt a boom it was [--] years of demand pulled into [--]. Builders built. Investors assumed buyers would always show up. Now the chairs are empty"  
[X Link](https://x.com/jonbrooks/status/2019878767532155233)  2026-02-06T21:00Z [----] followers, 18.1K engagements


"Household formation just hit a 9-year low. The next decade could see the slowest household growth in [---] years. At the same time: Boomers are aging out Birth rates are falling Vacant homes are rising The uncomfortable question is simple: Who is supposed to live in all these houses"  
[X Link](https://x.com/jonbrooks/status/2019908965870534982)  2026-02-06T23:00Z [----] followers, 25.2K engagements


"This is bad. BREAKING: The typical U.S. worker has $955 saved for retirement per CBS. BREAKING: The typical U.S. worker has $955 saved for retirement per CBS"  
[X Link](https://x.com/jonbrooks/status/2019926084918100325)  2026-02-07T00:08Z [----] followers, [----] engagements


"@Polymarket LOL"  
[X Link](https://x.com/jonbrooks/status/2019928707792621892)  2026-02-07T00:18Z [----] followers, [--] engagements


"@QtheArsenal yeah a rotation is happening. are you saying you basically just bought the MAG [--] with some silver and BTC"  
[X Link](https://x.com/jonbrooks/status/2019952514578207011)  2026-02-07T01:53Z [----] followers, [---] engagements


"i went to taco bell the other day it was decent. took the kids to culvers tonight it's basically a mcdonalds for old people the food all tastes the same super fried french fries ice cream nothing is new. it's all just re-packaged with a tiny twist but they're all basically selling the same thing. thankfully im getting a @CookOut near me in Jacksonville which is by far the #1 fast food chain in the world. JB appoved. https://twitter.com/i/web/status/2019953513241997763 https://twitter.com/i/web/status/2019953513241997763"  
[X Link](https://x.com/jonbrooks/status/2019953513241997763)  2026-02-07T01:57Z [----] followers, [--] engagements


"@jackal84728450 @RealMacroEcon I just started sharing whats actually happening in Florida since November Literally just reporting whats happening"  
[X Link](https://x.com/jonbrooks/status/2019963939334025614)  2026-02-07T02:38Z [----] followers, [--] engagements


"In a room with a bunch of high-net-worth investors. The conversation wasnt buy more rentals. It was: Do we sell the entire SFR portfolio Most said yes. Recast into other assets. Returns no longer justify the risk. This is how every cycle starts"  
[X Link](https://x.com/jonbrooks/status/2020120366824522223)  2026-02-07T13:00Z [----] followers, 49.4K engagements


"@theficouple Depends on where you live"  
[X Link](https://x.com/jonbrooks/status/2020126621194232310)  2026-02-07T13:24Z [----] followers, [----] engagements


"This is insanity. JUST IN: Klarna-like buy now pay later may soon be available for Americans renting homes/apartments per CNBC. JUST IN: Klarna-like buy now pay later may soon be available for Americans renting homes/apartments per CNBC"  
[X Link](https://x.com/jonbrooks/status/2020150563850129598)  2026-02-07T15:00Z [----] followers, [----] engagements


"@GrantCardone It hasnt even started yet. Its just softened. Look at structural declines coming You buy when theres blood in the streets Not softening"  
[X Link](https://x.com/jonbrooks/status/2020162148391858568)  2026-02-07T15:46Z [----] followers, [---] engagements


"A friend bought in a new construction community. Listed the house for [--] months. Zero offers. Why Too much builder inventory. Too many incentives competing with him. So his plan Wait it out. He could exit today and lose $10k. Should he sell and take the loss now or hold and wait it out"  
[X Link](https://x.com/jonbrooks/status/2020180762998251840)  2026-02-07T17:00Z [----] followers, [----] engagements


"In Jacksonville I watched a couple do everything right. They saved for a down payment. Stayed disciplined. Waited patiently. And every time they finally caught up prices moved higher. They werent bad with money. They were chasing a moving target. [---] years to save sounds nice until prices rise while youre waiting"  
[X Link](https://x.com/jonbrooks/status/2020210960544456824)  2026-02-07T19:00Z [----] followers, [----] engagements


"@WifeFinance that's a lot of alimony and child support. crazy. how does that even happen"  
[X Link](https://x.com/jonbrooks/status/2020242475668181052)  2026-02-07T21:05Z [----] followers, 61.3K engagements


"@Yeshuareigns33 you love it david. you absolutely love it"  
[X Link](https://x.com/jonbrooks/status/2020249342305792193)  2026-02-07T21:32Z [----] followers, [--] engagements


"The things they dont tell you about homeownership: Got a letter from the HOA. Roof violation. Mold. Apparently I need to treat my roof every [--] years. Cost $1000. Gone. Everyone talks about appreciation. Few talk about the upkeep"  
[X Link](https://x.com/jonbrooks/status/2020271354118074791)  2026-02-07T23:00Z [----] followers, [----] engagements


"@VladTheInflator we actually see this yes"  
[X Link](https://x.com/jonbrooks/status/2020293179942072456)  2026-02-08T00:26Z [----] followers, [---] engagements


"@RexdaleOG Sit and actually do the math for [--] years"  
[X Link](https://x.com/jonbrooks/status/2020319500768616776)  2026-02-08T02:11Z [----] followers, [---] engagements


"@CaptainPete12 Those costs dont even include the interest paid oof"  
[X Link](https://x.com/jonbrooks/status/2020319962947273201)  2026-02-08T02:13Z [----] followers, [---] engagements


"@JeffreyBrandes @SaveAmericaNew How do we know if we support it if we have no details Show us the math"  
[X Link](https://x.com/jonbrooks/status/2020321425098465364)  2026-02-08T02:18Z [----] followers, [--] engagements


"@LeadingReport Yeah probably 10x better because multiple presidents covered it up"  
[X Link](https://x.com/jonbrooks/status/2020335879328526769)  2026-02-08T03:16Z [----] followers, [---] engagements


"@theficouple Do you ever think about the time value of money or why they say 3-4 years in the shop when they can really last 6-8 years"  
[X Link](https://x.com/jonbrooks/status/2020483389724266539)  2026-02-08T13:02Z [----] followers, [---] engagements


"U.S. household formation just hit a 9-year low. Boomers aging out. Birth rates collapsing. Young adults delaying life. We already have 15M vacant homes. Who exactly is moving in"  
[X Link](https://x.com/jonbrooks/status/2020573346094592032)  2026-02-08T19:00Z [----] followers, 30.3K engagements


"@FeltusRE Yes"  
[X Link](https://x.com/jonbrooks/status/2020573557172916641)  2026-02-08T19:00Z [----] followers, [--] engagements


"Inventory isnt rising because people dont want houses. Its rising because the payment doesnt work anymore. Affordability kills demand long before sentiment does"  
[X Link](https://x.com/jonbrooks/status/2020633750506287305)  2026-02-08T23:00Z [----] followers, [----] engagements


"@Pikithome Crisis doesnt happen overnight. This structural stuff can take 5-10 years to play out. Real estate is a slow moving market"  
[X Link](https://x.com/jonbrooks/status/2020668819564290421)  2026-02-09T01:19Z [----] followers, [--] engagements


"@Pikithome I dont know Wilmington or Asheville but definitely weakness is showing in Charlotte. Not at all like we see in Florida but it is a slow moving train with Florida / Texas leading the pack"  
[X Link](https://x.com/jonbrooks/status/2020676608143552703)  2026-02-09T01:50Z [----] followers, [--] engagements


"@BobSmit8931950 Yeah if you cut them to 0% people will come back. Lets just inflate the balloon more"  
[X Link](https://x.com/jonbrooks/status/2020677884302492085)  2026-02-09T01:55Z [----] followers, [---] engagements


"Just did the math. My childcare school and healthcare bills for my three kids was $60000+ in [----]. Is this too much https://twitter.com/i/web/status/2020694144088420727 https://twitter.com/i/web/status/2020694144088420727"  
[X Link](https://x.com/jonbrooks/status/2020694144088420727)  2026-02-09T03:00Z [----] followers, [----] engagements


"@VigilantFox I mean we do have an obesity issue in the USA is this bad to promote"  
[X Link](https://x.com/jonbrooks/status/2020707202118611082)  2026-02-09T03:51Z [----] followers, 44.7K engagements


"Yikes. What GDP is Florida providing"  
[X Link](https://x.com/jonbrooks/status/2020905538054201491)  2026-02-09T17:00Z [----] followers, [----] engagements


"This pretty much sums it up. Houses. Are. Overpriced"  
[X Link](https://x.com/jonbrooks/status/2020935736556650727)  2026-02-09T19:00Z [----] followers, 10.8K engagements


"The affordability crisis is simple: The math broke. For most people renting is cheaper than buying. That tells you everything"  
[X Link](https://x.com/jonbrooks/status/2020965937977893356)  2026-02-09T21:00Z [----] followers, [----] engagements


"@Kalshi the math makes no sense in the car market"  
[X Link](https://x.com/jonbrooks/status/2020982575758705137)  2026-02-09T22:06Z [----] followers, [---] engagements


"@unusual_whales and we are being told this is a good thing"  
[X Link](https://x.com/jonbrooks/status/2021035562279501847)  2026-02-10T01:36Z [----] followers, [---] engagements


"@jgpuck99 how will the admin do that all they do is talk. no action"  
[X Link](https://x.com/jonbrooks/status/2021040172109070673)  2026-02-10T01:55Z [----] followers, [---] engagements


"The lock-in effect is real. Owners got low rates and they're staying put"  
[X Link](https://x.com/jonbrooks/status/2021056539595825428)  2026-02-10T03:00Z [----] followers, [----] engagements


"@jgpuck99 So youre saying theyre going to loosen those programs after just making them harder last Oct"  
[X Link](https://x.com/jonbrooks/status/2021077237131317567)  2026-02-10T04:22Z [----] followers, [--] engagements


"NAR planning documents show that membership will drop from 1.5M realtors to 1.2M"  
[X Link](https://x.com/jonbrooks/status/2021209230443688023)  2026-02-10T13:06Z [----] followers, [----] engagements


"Negative equity is starting to appear. Prices stop rising Mobility freezes Owners get trapped. Thats the next phase of a declining market"  
[X Link](https://x.com/jonbrooks/status/2021237721855881358)  2026-02-10T15:00Z [----] followers, [----] engagements


"@Polymarket HOLY"  
[X Link](https://x.com/jonbrooks/status/2021307113448837516)  2026-02-10T19:35Z [----] followers, [--] engagements


"@m3_melody @OTCStockReview @DiMartinoBooth @Johncomiskey77 @SoberLook @ICEMortgageTech rent going down is a MASSIVE issue for investors. we are starting to see some just dump their portfolios in response"  
[X Link](https://x.com/jonbrooks/status/2021313565714522436)  2026-02-10T20:01Z [----] followers, 15.1K engagements


"@mikeolson44 @theficouple yeah most of the pain will be in 2022-2025 cohort with high leverage. which is frankly a lot"  
[X Link](https://x.com/jonbrooks/status/2021335852299976807)  2026-02-10T21:29Z [----] followers, [--] engagements


"WHAT The media lied to us again Are we surprised here The housing "shortage" narrative was never fundamentally true. J.P.Morgan: The U.S. housing "shortage" is exaggerated "the size of the housing shortage in the U.S. has been overemphasized with J.P.Morgan Global Research putting the figure at around [---] million homes significantly below other market estimates" - John Sim at @jpmorgan https://t.co/fomwsCdwD8 J.P.Morgan: The U.S. housing "shortage" is exaggerated "the size of the housing shortage in the U.S. has been overemphasized with J.P.Morgan Global Research putting the figure at around"  
[X Link](https://x.com/jonbrooks/status/2021337105243492854)  2026-02-10T21:34Z [----] followers, [----] engagements


"@theficouple Only time will tell but long term structural issues with real estate in Florida are very real"  
[X Link](https://x.com/jonbrooks/status/2021344933039460702)  2026-02-10T22:06Z [----] followers, [---] engagements


"If you don't have a job you can't buy a house"  
[X Link](https://x.com/jonbrooks/status/2021358518784098795)  2026-02-10T23:00Z [----] followers, [----] engagements


"Florida is NOT the median U.S. housing market. Florida has: Higher investor share More second-home exposure Higher insurance + HOA costs Heavier reliance on migration More rate sensitivity When Florida moves first its a signal not the whole story"  
[X Link](https://x.com/jonbrooks/status/2021375886457761796)  2026-02-11T00:09Z [----] followers, [----] engagements


"@theficouple Why are people buying BTC in the first place"  
[X Link](https://x.com/jonbrooks/status/2021390634461036840)  2026-02-11T01:07Z [----] followers, [--] engagements


"@jgpuck99 Yeah caused by reckless government spending without accountability and nonstop fed manipulation"  
[X Link](https://x.com/jonbrooks/status/2021567600007004416)  2026-02-11T12:50Z [----] followers, [--] engagements


"20%+ of [--] year old are seriously delinquent on their student loans and nearly 18% of 40-49 year olds. Why are older folks not paying their loans"  
[X Link](https://x.com/jonbrooks/status/2021569912981111113)  2026-02-11T13:00Z [----] followers, [----] engagements


"Job market will crack housing market US HIRING AT RECESSION LEVELS: HIRING RATE AT 3.3% MATCHING THE [----] CRISIS AND NEAR A 13-YEAR LOW. US HIRING AT RECESSION LEVELS: HIRING RATE AT 3.3% MATCHING THE [----] CRISIS AND NEAR A 13-YEAR LOW"  
[X Link](https://x.com/jonbrooks/status/2021577473968783677)  2026-02-11T13:30Z [----] followers, 33.3K engagements


"The average starting salary for college graduates is down -8% YoY to $54500. Is anyone out there able to buy a house on that salary"  
[X Link](https://x.com/jonbrooks/status/2021600121839120509)  2026-02-11T15:00Z [----] followers, 14.6K engagements


"Largest property manager in my area. I asked how rents are starting the year. His answer: Down. Down. Down. This is not a normal market. When rents change the entire housing calculus changes with it"  
[X Link](https://x.com/jonbrooks/status/2021630309402317148)  2026-02-11T17:00Z [----] followers, [----] engagements


"Americans must earn $111252 to afford the typical U.S. home46% more than the $76020 needed for a rental Redfin reports. Why would you buy when it is so much more affordable to rent https://twitter.com/i/web/status/2021660512271073402 https://twitter.com/i/web/status/2021660512271073402"  
[X Link](https://x.com/jonbrooks/status/2021660512271073402)  2026-02-11T19:00Z [----] followers, [----] engagements


"@unusual_whales how can you not love Massie at this point"  
[X Link](https://x.com/jonbrooks/status/2021663836814946380)  2026-02-11T19:13Z [----] followers, 15.6K engagements


"@_Credible_Hulk Just sharing whats happening We see this stuff every day in real estate in Florida The consumer is completely maxed out"  
[X Link](https://x.com/jonbrooks/status/2021677772167606665)  2026-02-11T20:08Z [----] followers, [--] engagements


"@Kalshi We see this"  
[X Link](https://x.com/jonbrooks/status/2021935714913640797)  2026-02-12T13:13Z [----] followers, [--] engagements


"Price appreciation takes time to decelerate before it goes flat or negative This is why hold times for real estate as a new buyer is incredibly important Though also understand that falling rents could impact your investment - along with aging demographics declining birth rates and rising mortgage interest rates. https://twitter.com/i/web/status/2021953355732443596 https://twitter.com/i/web/status/2021953355732443596"  
[X Link](https://x.com/jonbrooks/status/2021953355732443596)  2026-02-12T14:23Z [----] followers, [---] engagements


"@m3_melody Yes and folks in Florida are buying new construction townhouses with massive rate buy downs The unaffordable market is absolutely mind blowing"  
[X Link](https://x.com/jonbrooks/status/2021967120834470044)  2026-02-12T15:18Z [----] followers, [----] engagements


"Existing home sales fall to start off the strong with a lot of weakness"  
[X Link](https://x.com/jonbrooks/status/2021975026417996060)  2026-02-12T15:49Z [----] followers, [---] engagements


"Mortgage delinquencies increased across all three major loan types Conventional FHA and VA in the last three months of the year said Marina Walsh CMB MBAs Vice President of Industry Analysis"  
[X Link](https://x.com/jonbrooks/status/2022020853496746037)  2026-02-12T18:51Z [----] followers, [---] engagements


"@jgpuck99 Well the sales are down 70%"  
[X Link](https://x.com/jonbrooks/status/2022170497941962952)  2026-02-13T04:46Z [----] followers, [---] engagements


"@BrandonStraka What about reducing the deficit"  
[X Link](https://x.com/jonbrooks/status/2022295170532687902)  2026-02-13T13:01Z [----] followers, [---] engagements


"@BrantleyTheBest I can understand a power outage but in many areas you can do RON = remote online notary closings literally through your phone Im not buying it"  
[X Link](https://x.com/jonbrooks/status/2022296485379915898)  2026-02-13T13:07Z [----] followers, [--] engagements


"@RogaineTrader The truth is: demand is there People want to own homes Its simple that the math stopped working in many areas of the country This is the bull case for housing but we are so far from fundamentals"  
[X Link](https://x.com/jonbrooks/status/2022296695023792254)  2026-02-13T13:07Z [----] followers, [--] engagements


"@HomeLoanBill I grew up in the North Pls tell me youre not one of the: the weather caused existing sales to go down people 🤦♂"  
[X Link](https://x.com/jonbrooks/status/2022300808117723632)  2026-02-13T13:24Z [----] followers, [--] engagements


"@Dr_Ray1 We are literally 2% off ATHs lol"  
[X Link](https://x.com/jonbrooks/status/2022307839776002265)  2026-02-13T13:52Z [----] followers, [--] engagements


"@HomeLoanBill you did read my post above right are you saying that all their closings got pushed to February at the end of the month Explain yourself"  
[X Link](https://x.com/jonbrooks/status/2022323941860098416)  2026-02-13T14:56Z [----] followers, [--] engagements


"Bill has just been making negative comments/thoughts on my stuff since I started posting. It's all good. Who cares. We each have our own opinions. I am here to share my authentic unfiltered view of how things are going based on my experience and background. Some of that is influenced by simply where I live. Most of it is influenced by the actual data that comes out weekly. We can each learn from each other here by asking questions. My challenge to Bill is to ask better questions"  
[X Link](https://x.com/jonbrooks/status/2022324547177849011)  2026-02-13T14:58Z [----] followers, [--] engagements


"@CapitalMktGuy It goes into BIL"  
[X Link](https://x.com/jonbrooks/status/2022334752989278641)  2026-02-13T15:39Z [----] followers, [---] engagements


"@JeffreyBrandes Likely inflation by more money printing according to @RayDalio Its the easy way out. We have no strong enough politician who will do the right thing and do the austerity needed unfortunately"  
[X Link](https://x.com/jonbrooks/status/2022421275025773042)  2026-02-13T21:23Z [----] followers, [---] engagements


"We want builders to build starter homes at $200250k so the next generation can actually. start. Instead they sell $400500k+ homes and call them starter homes. $3190/month is NOT a starter home"  
[X Link](https://x.com/jonbrooks/status/2017402456247046547)  2026-01-31T01:00Z [----] followers, 1.7M engagements


"The first step in a housing market decline isnt falling prices. Its transactions freezing. Sales across major U.S. metros are 20.5% below [----] levels. Liquidity dries up first. Prices follow"  
[X Link](https://x.com/jonbrooks/status/2021328325202018760)  2026-02-10T21:00Z [----] followers, 16.7K engagements


"Insurance premiums in Florida are up 70%+ in five years. Maintenance and repair costs Up 50%. These are the hidden taxes on real estate. When the underlying inputs explode housing affordability gets destroyed. Its not just rates. Its the cost of owning"  
[X Link](https://x.com/jonbrooks/status/2021932307163361748)  2026-02-12T13:00Z [----] followers, 22.2K engagements


"The average new 30-year mortgage now costs $2665 per month. Thats $31980 per year after tax. At a 22% federal tax rate you need about $41000 in gross income just to pay the mortgage. Before food. Before insurance. Before kids. Housing didnt get expensive. It got unpayable. https://twitter.com/i/web/status/2021992704469590430 https://twitter.com/i/web/status/2021992704469590430"  
[X Link](https://x.com/jonbrooks/status/2021992704469590430)  2026-02-12T17:00Z [----] followers, 22.1K engagements


"Once condo financials go public the market is going to break. A new law now forces HOAs with 25+ units to post their: bank balances reserve funds financial statements Heres what buyers are about to discover: Most condo buildings are quietly broke. Years of deferred maintenance. Massively underfunded reserves. People are about to realize their affordable condo is actually one roof failure away from a $10000 special assessment. Transparency changes everything"  
[X Link](https://x.com/jonbrooks/status/2022053095719448652)  2026-02-12T21:00Z [----] followers, 75.8K engagements


"Its sad that people in the industry are blaming weather for why existing home sales were down in January. 1) You do realize that houses generally take 30/60 days to close from the data they go under contract 2) We had warm weather in November/December leading up to January The ice storms and freeze were January 23rd-27 Hint: its NOT the weather. People will make up whatever narrative possible to not accept that home sales are going down due to affordability. Id say weather played a major role here. New conversations to purchase in [----] remain elevated YoY by a wide margin in the DC Metro"  
[X Link](https://x.com/jonbrooks/status/2022291290570809736)  2026-02-13T12:46Z [----] followers, [----] engagements


"10 year spiking downward. Employment concerns inflation slowing. Next up -- shelter costs coming down"  
[X Link](https://x.com/jonbrooks/status/2022323646618808505)  2026-02-13T14:55Z [----] followers, [----] engagements


"A housing paper from the 1950s nailed it: Affordable homes = higher birth rates. Expensive homes = demographic problems. [--] years later governments still act surprised"  
[X Link](https://x.com/jonbrooks/status/2022355086509478027)  2026-02-13T17:00Z [----] followers, 61.1K engagements


"Yes the Silver Tsunami combined with falling birth rates is a double whammy to housing. Few talk about this because its just a sad truth"  
[X Link](https://x.com/jonbrooks/status/2022385286488154357)  2026-02-13T19:00Z [----] followers, [----] engagements


"Residential housing is still priced at 3% rates it will take years for this market to mean revert. It does not happen overnight. It happens in stages"  
[X Link](https://x.com/jonbrooks/status/2022657080499617815)  2026-02-14T13:00Z [----] followers, 10.8K engagements


"@HomeLoanBill the math still makes no sense here in Florida. The ratios are all out of whack and the disparity between income and housing price payments is still too wide. meanwhile rent prices are coming down causing the calculus for buyers to change"  
[X Link](https://x.com/jonbrooks/status/2022680491959427558)  2026-02-14T14:33Z [----] followers, [---] engagements


"@terrykarges Florida"  
[X Link](https://x.com/jonbrooks/status/2022736131461386531)  2026-02-14T18:14Z [----] followers, 20K engagements


"@markcecchini somehow i got tricked to buy smartwater"  
[X Link](https://x.com/jonbrooks/status/2022827567418401071)  2026-02-15T00:17Z [----] followers, [---] engagements


"@theficouple No better feeling than paying off consumer debt"  
[X Link](https://x.com/jonbrooks/status/2022849841408127060)  2026-02-15T01:45Z [----] followers, [--] engagements


"Pending home sales are at a worse level than the GFC"  
[X Link](https://x.com/jonbrooks/status/2018821808582263067)  2026-02-03T23:00Z [----] followers, 20.5K engagements


"@indexnforgetit Its true. People overspend and live above their means Our economy is literally running on debt at this point in the market cycle"  
[X Link](https://x.com/jonbrooks/status/2021936249767133552)  2026-02-12T13:15Z [----] followers, [---] engagements


"We are already as bad as [----] - but in many ways - its worse because we have an affordability crisis aging demographics birth rate decline immigration slowdown oversupply fha 12%+ delinquency insurance & tax at elevated levels Its all stacking and it will continue to show up in the housing market especially in the sunbelt. https://twitter.com/i/web/status/2021975452902903937 https://twitter.com/i/web/status/2021975452902903937"  
[X Link](https://x.com/jonbrooks/status/2021975452902903937)  2026-02-12T15:51Z [----] followers, 14.1K engagements


"Lowest level of existing home sales since January 2009"  
[X Link](https://x.com/jonbrooks/status/2022029495126102481)  2026-02-12T19:26Z [----] followers, 549.4K engagements


"I sold out of my whole portfolio into cash this morning around 10am Im going to just hang on the sidelines in cash It feels like we are now in a housing + AI bubble Time to be defensive to me If Im wrong at least I sleep like a baby But we are so far away from fundamentals its mind boggling"  
[X Link](https://x.com/jonbrooks/status/2022088002466430979)  2026-02-12T23:18Z [----] followers, 134K engagements


"The best plan is to let the market be free Let housing prices fall That would improve affordability"  
[X Link](https://x.com/jonbrooks/status/2022808076869673469)  2026-02-14T23:00Z [----] followers, [----] engagements


"Its cheaper to rent Thats why prices will fall"  
[X Link](https://x.com/jonbrooks/status/2022838276382412900)  2026-02-15T01:00Z [----] followers, 22K engagements


"@theficouple Good move"  
[X Link](https://x.com/jonbrooks/status/2022850255968952741)  2026-02-15T01:47Z [----] followers, [--] engagements


"Nobody talks about the true cost of homeownership. Hold a typical 1990s Florida home for [--] years and youll likely spend: Roofs HVACs Plumbing & electrical Windows Insurance Taxes HOA Total non-mortgage cost: $350k$700k+ Thats just to hold the house. Appreciation isnt free. https://twitter.com/i/web/status/2020301558676877486 https://twitter.com/i/web/status/2020301558676877486"  
[X Link](https://x.com/jonbrooks/status/2020301558676877486)  2026-02-08T01:00Z [----] followers, 15K engagements


"@Fire5280 @unusual_whales America Party with Elon"  
[X Link](https://x.com/jonbrooks/status/2021677316842172473)  2026-02-11T20:06Z [----] followers, [---] engagements


"@DiMartinoBooth @GeneralMills @Adam__Josephson People are cutting back on practically everything - but only the bottom 80% The top 10% are living large"  
[X Link](https://x.com/jonbrooks/status/2022461765167255574)  2026-02-14T00:03Z [----] followers, [--] engagements


"@cryptofergani Why we pay any taxes without resolving this first makes no sense to me. The social contract is broken"  
[X Link](https://x.com/jonbrooks/status/2022462759951307211)  2026-02-14T00:07Z [----] followers, [---] engagements


"Everyone keeps saying America has a housing shortage. It doesnt. Divide total homes by population and you get this: Weve never had more housing per person than we do right now. The problem isnt supply. Its prices"  
[X Link](https://x.com/jonbrooks/status/2011060663313940855)  2026-01-13T13:00Z [----] followers, 266.2K engagements


"See this and immediately realize the housing market is broken"  
[X Link](https://x.com/jonbrooks/status/2021298127026766294)  2026-02-10T19:00Z [----] followers, 312K engagements


"Zillow knows whats coming They have an incredible amount of data [----] will be a very hard year for real estate "Zillow finished down 16.5% today. They commented in their earnings press release that housing market conditions will continue to be "challenging" in Q1. The housing recession isn't going to be over this year. The spring selling season is going to be a bust." - @TraceyRyniec "Zillow finished down 16.5% today. They commented in their earnings press release that housing market conditions will continue to be "challenging" in Q1. The housing recession isn't going to be over this year."  
[X Link](https://x.com/jonbrooks/status/2021933205755150526)  2026-02-12T13:03Z [----] followers, 280.5K engagements


"What can be done with the housing market Option 1: Keep propping up asset prices to protect existing owners & create a generation of renters. Option 2: Let home prices drop so younger buyers actually have a shot at homeownership. You cant have both. Which option is best https://twitter.com/i/web/status/2022113492388491343 https://twitter.com/i/web/status/2022113492388491343"  
[X Link](https://x.com/jonbrooks/status/2022113492388491343)  2026-02-13T01:00Z [----] followers, 12.1K engagements


"The government has now said: - Assumable mortgages - [--] year mortgages - Portable mortgages - Ban institutional buying - $200B of MBS purchases But what we really need is nothing. Do nothing. Let prices fall. Thats the answer"  
[X Link](https://x.com/jonbrooks/status/2022143700885700692)  2026-02-13T03:00Z [----] followers, 26.5K engagements


"Commercial real estate is going down"  
[X Link](https://x.com/jonbrooks/status/2022162872420491762)  2026-02-13T04:16Z [----] followers, 32.8K engagements


"Does anyone care that we have a massive debt problem that gets worse each month"  
[X Link](https://x.com/jonbrooks/status/2022415489008349459)  2026-02-13T21:00Z [----] followers, 11.3K engagements


"@haydenbaldwin10 Rates come down because of job loss most likely but then people dont have jobs to buy"  
[X Link](https://x.com/jonbrooks/status/2022456647755374624)  2026-02-13T23:43Z [----] followers, [---] engagements


"Rents down. Home prices down. After years of getting crushed the middle class finally gets some breathing room. This is a good thing"  
[X Link](https://x.com/jonbrooks/status/2022475884112855249)  2026-02-14T01:00Z [----] followers, [----] engagements


"Were seeing A LOT of distress from buyers who purchased suburban new construction in [--------] with low down payments. Minimal equity. Peak prices. Peak rates. Peak payments. Thats where housing stress will concentrate. Itll be selective. And itll show up there first"  
[X Link](https://x.com/jonbrooks/status/2022506082396938694)  2026-02-14T03:00Z [----] followers, [----] engagements


"One of the largest HVAC company reps in my market just texted me this: The biggest financial crisis since the Great Depression is underway. Not a hedge fund manager. Not a pundit. An HVAC rep. Meanwhile others think were at the start of a new bull run. This feels like [----] when nobody agreed on anything"  
[X Link](https://x.com/jonbrooks/status/2022687274161537233)  2026-02-14T15:00Z [----] followers, 337.1K engagements


"My background: [----] - studied finance and real estate at Virginia Tech and met my future wife interned at GS for PWM analyst in group that managed VT's bond portfolio reporting on the Fed & housing market [----] - started following and trading stocks using money I made from being a Domino's delivery driver to pay for college [----] - graduated from Virginia Tech and got a job at a tax policy think tank at a big [--] accounting firm doing economic impact studies [----] - after living in my parents basement for a year to save money relocated to Jacksonville Florida to find a path to actually make and"  
[X Link](https://x.com/jonbrooks/status/2022717175832686904)  2026-02-14T16:58Z [----] followers, [----] engagements


"You can now negotiate 7.3% off the list price of properties in my market. Median list prices are also down $20000. Opportunity is coming for those who have cash"  
[X Link](https://x.com/jonbrooks/status/2022717478741381530)  2026-02-14T17:00Z [----] followers, 15.5K engagements


"January results for our housing market: - New Listings: [----] - Sold Listings: [----] That means [----] active net listings are on the market in ONE month. Imagine if this stacks for a few years. on top of the Silver Tsunami net migration being nearly flat and birth rates declining. https://twitter.com/i/web/status/2022777869957517357 https://twitter.com/i/web/status/2022777869957517357"  
[X Link](https://x.com/jonbrooks/status/2022777869957517357)  2026-02-14T21:00Z [----] followers, [----] engagements


"That delinquency rate seems quite high and a lot of them are 50+ years old Guess theyre just planning on not paying it back JUST IN: A record 16.4% of student loans hit 30+ days of delinquency last quarter JUST IN: A record 16.4% of student loans hit 30+ days of delinquency last quarter"  
[X Link](https://x.com/jonbrooks/status/2022821615776514249)  2026-02-14T23:53Z [----] followers, [----] engagements


"@Bitcoin_Teddy Haha exactly. This is true. Its not the coffee"  
[X Link](https://x.com/jonbrooks/status/2022822781121937840)  2026-02-14T23:58Z [----] followers, [---] engagements


"@Tekeee you just live off credit cards and share an apartment with 2-3 people"  
[X Link](https://x.com/jonbrooks/status/2022828916415861053)  2026-02-15T00:22Z [----] followers, [----] engagements


"@GuntherEagleman Theres no vindication for Trump. He was covering all this up"  
[X Link](https://x.com/jonbrooks/status/2022839462888100131)  2026-02-15T01:04Z [----] followers, 25.3K engagements


"@MrSausageGet Yeah I noticed that a ton of people in Epstein files are in his admin"  
[X Link](https://x.com/jonbrooks/status/2022839795525763363)  2026-02-15T01:06Z [----] followers, [---] engagements


"@kloster_lori @GuntherEagleman What are you talking about @RepThomasMassie forced this all out in the open Are yall even watching"  
[X Link](https://x.com/jonbrooks/status/2022854893896138785)  2026-02-15T02:06Z [----] followers, [----] engagements


"@MCDeano254 @GuntherEagleman Because @RepThomasMassie forced it. Trump called it a hoax"  
[X Link](https://x.com/jonbrooks/status/2022855160267997447)  2026-02-15T02:07Z [----] followers, [---] engagements


"job loss will crack the housing market. JUST IN: [------] people filed for unemployment this past week above expectations of [------] JUST IN: [------] people filed for unemployment this past week above expectations of 209000"  
[X Link](https://x.com/jonbrooks/status/2019501286073463125)  2026-02-05T20:00Z [----] followers, 154.3K engagements


"People screaming BUY THE DIP after a 3% pullback. The S&P barely sneezed. A real market correction is 1020%. Most investors arent mentally prepared for that"  
[X Link](https://x.com/jonbrooks/status/2019729877965185027)  2026-02-06T11:08Z [----] followers, 81.2K engagements


"Florida needs 200k300k net migrants per year just to offset baby boomers exiting homeownership. Current estimates for [----] net migration: 150k. That shortfall tells you everything you need to know. If migration slows even a little the supply math flips fast. https://twitter.com/i/web/status/2019939173080158407 https://twitter.com/i/web/status/2019939173080158407"  
[X Link](https://x.com/jonbrooks/status/2019939173080158407)  2026-02-07T01:00Z [----] followers, [----] engagements


"I can buy a lithium golf cart battery for $2472. It lasts [--] years. OR I can buy a standard 8V battery for $913. It lasts [--] years. Im choosing the 8V. This is how rich people think. See if you can guess why"  
[X Link](https://x.com/jonbrooks/status/2020467651483750617)  2026-02-08T12:00Z [----] followers, 14K engagements


"from [--] year mortgages to portable mortgages to assumable mortgages to $200B Fannie/Freddie QE to trump government housing to rent now pay later every idea avoids one thing: lower prices. so. what's next"  
[X Link](https://x.com/jonbrooks/status/2020482753599582462)  2026-02-08T13:00Z [----] followers, 15.3K engagements


"We didnt have a housing shortage. We had: Cheap leverage Massive migration Speculation disguised as fundamentals Builders built for a buyer that no longer exists. Now the math is exposed"  
[X Link](https://x.com/jonbrooks/status/2020543151967199540)  2026-02-08T17:00Z [----] followers, [----] engagements


"We are living through one of the largest artificially inflated real estate bubbles in history"  
[X Link](https://x.com/jonbrooks/status/2021267927945576558)  2026-02-10T17:00Z [----] followers, 54.8K engagements


"This is the big disconnect in housing. To afford a home in [----] the typical household needs to make $109000. The typical household actually earns $85000. That gap isnt sentiment. Its math"  
[X Link](https://x.com/jonbrooks/status/2021267928755159115)  2026-02-10T17:00Z [----] followers, [----] engagements


"Q4 [----] update: Credit card and auto loan 90+ day delinquencies are back to levels only seen in [----]. This isnt normalization. This is consumer stress breaking through the surface"  
[X Link](https://x.com/jonbrooks/status/2021370924822409422)  2026-02-10T23:49Z [----] followers, [----] engagements


"First they stop paying credit cards Then they stop paying their mortgages Then we see more short sale and foreclosures"  
[X Link](https://x.com/jonbrooks/status/2021398325858271340)  2026-02-11T01:38Z [----] followers, 27.5K engagements


"My friends who work at builders are saying they are primarily selling $200-300k townhouses right now with incentives to buy down rates The rest of the market has frozen - and existing home sales are stalling out Builders site agents are begging to be assigned to the lower price point communities This is a signal. https://twitter.com/i/web/status/2021950645306114220 https://twitter.com/i/web/status/2021950645306114220"  
[X Link](https://x.com/jonbrooks/status/2021950645306114220)  2026-02-12T14:12Z [----] followers, 17.4K engagements


"Does this look like a balanced employment market to you"  
[X Link](https://x.com/jonbrooks/status/2021962507448201379)  2026-02-12T15:00Z [----] followers, [----] engagements


"Housing market is changing Transactions stall Inventory stacks Prices drop It all plays out over time Plan accordingly"  
[X Link](https://x.com/jonbrooks/status/2021964960373281230)  2026-02-12T15:09Z [----] followers, [----] engagements


"Now is a good time to have a LOT of cash sitting on the sidelines or put into short term Treasuries to get some yield in the meantime Big opportunities are coming up over the next few years Get access to liquidity now"  
[X Link](https://x.com/jonbrooks/status/2021986520673206747)  2026-02-12T16:35Z [----] followers, 13.5K engagements


"Big changes are coming to housing in [----] The "Housing Supply Shortage" is the biggest lie in the American economy right now. 🏠📉 Builders want subsidies. Wall Street wants you to hold the bag. The media wants you to panic buy. We don't have a supply problem. We have a PRICE problem. And gravity is about to kick in. The "Housing Supply Shortage" is the biggest lie in the American economy right now. 🏠📉 Builders want subsidies. Wall Street wants you to hold the bag. The media wants you to panic buy. We don't have a supply problem. We have a PRICE problem. And gravity is about to kick in"  
[X Link](https://x.com/jonbrooks/status/2022005894587007283)  2026-02-12T17:52Z [----] followers, [----] engagements


"Couldnt even imagine this in [----] Times have changed Sellers are getting realistic"  
[X Link](https://x.com/jonbrooks/status/2022009140022063198)  2026-02-12T18:05Z [----] followers, [----] engagements


"If it wont cash flow at $2350/month obviously its worth $650000. Thats how real estate works now"  
[X Link](https://x.com/jonbrooks/status/2022022895908876567)  2026-02-12T19:00Z [----] followers, 30.7K engagements


"The Jobs Report Is a Lie And Its About to Crash Housing https://www.youtube.com/watchv=9x_CWY0swjM&t=0s https://www.youtube.com/watchv=9x_CWY0swjM&t=0s"  
[X Link](https://x.com/jonbrooks/status/2022038161548034406)  2026-02-12T20:00Z [----] followers, [----] engagements


"My friends in their 30s are deciding not to have kids Theyre saying two things: They dont have the money Its inconvenient to their lifestyle This is not good. What do we do"  
[X Link](https://x.com/jonbrooks/status/2022083299292962861)  2026-02-12T23:00Z [----] followers, 12.3K engagements


"@CarilonCapital Whats your top pick"  
[X Link](https://x.com/jonbrooks/status/2022160951026520249)  2026-02-13T04:08Z [----] followers, [----] engagements


"@HomeLoanBill Youre really chalking this up to weather"  
[X Link](https://x.com/jonbrooks/status/2022162116795662603)  2026-02-13T04:13Z [----] followers, [---] engagements


"@4score__7 The recovery times have been tremendous but that doesnt mean itll always be that way"  
[X Link](https://x.com/jonbrooks/status/2022170083565744585)  2026-02-13T04:44Z [----] followers, [----] engagements


"@multicapital000 @HurlsDa Sell highhhh"  
[X Link](https://x.com/jonbrooks/status/2022170322963947843)  2026-02-13T04:45Z [----] followers, [--] engagements


"@ThinkAppraiser Most doctors I know spend every dollar the earn and completely max out Many have a life is short mentality"  
[X Link](https://x.com/jonbrooks/status/2022420961254084861)  2026-02-13T21:21Z [----] followers, [---] engagements


"@QAGELLC Unpack all this David"  
[X Link](https://x.com/jonbrooks/status/2022456087019188588)  2026-02-13T23:41Z [----] followers, [---] engagements

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