[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @jonbrooks Jon Brooks Jon Brooks posts on X about money, math, commercial real estate, bank the most. They currently have XXXXX followers and XXX posts still getting attention that total XXXXXXX engagements in the last XX hours. ### Engagements: XXXXXXX [#](/creator/twitter::3360224431/interactions)  - X Week XXXXXXXXX +1,048% - X Month XXXXXXXXX +3,962% - X Months XXXXXXXXX +757,760% ### Mentions: XX [#](/creator/twitter::3360224431/posts_active)  - X Week XXX +11% - X Month XXX +763% - X Months XXX +4,033% ### Followers: XXXXX [#](/creator/twitter::3360224431/followers)  - X Week XXXXX +18% - X Month XXXXX +32% - X Months XXXXX +44% ### CreatorRank: XXXXXX [#](/creator/twitter::3360224431/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) #571 [celebrities](/list/celebrities) XXXX% [cryptocurrencies](/list/cryptocurrencies) XXXX% [stocks](/list/stocks) XXXX% [technology brands](/list/technology-brands) XXXX% **Social topic influence** [money](/topic/money) #190, [math](/topic/math) #2434, [commercial real estate](/topic/commercial-real-estate) #31, [bank](/topic/bank) 2.14%, [housing market](/topic/housing-market) 1.43%, [wall street](/topic/wall-street) 1.43%, [auto loans](/topic/auto-loans) #89, [insurance](/topic/insurance) #636, [the money](/topic/the-money) #6, [ton](/topic/ton) XXXX% **Top accounts mentioned or mentioned by** [@theficouple](/creator/undefined) [@m3melody](/creator/undefined) [@jgpuck99](/creator/undefined) [@cxcarroll](/creator/undefined) [@mbrand657](/creator/undefined) [@teambitcoin](/creator/undefined) [@realtormambuca](/creator/undefined) [@thatsob_vanowen](/creator/undefined) [@donaldjeffery1](/creator/undefined) [@texasrunnerdfw](/creator/undefined) [@sixfinance](/creator/undefined) [@bitcointeddy](/creator/undefined) [@m91272231](/creator/undefined) [@elonmusk](/creator/undefined) [@wahlstromgrant](/creator/undefined) [@vagabondrtw](/creator/undefined) [@alexbeecher5](/creator/undefined) [@cbatty](/creator/undefined) [@kmcubine](/creator/undefined) [@thecolemanthe](/creator/undefined) **Top assets mentioned** [Bitcoin (BTC)](/topic/bitcoin) [Klarna Group (KLAR)](/topic/klarna) ### Top Social Posts Top posts by engagements in the last XX hours "Lumber prices are tanking" [X Link](https://x.com/jonbrooks/status/1992578707190677964) 2025-11-23T12:59Z 4338 followers, 49.1K engagements "You need a $103k income to buy a house But median household income locally is $69k This is why prices will come down Theres no way around it Wages arent magically going to go up 49.2%" [X Link](https://x.com/jonbrooks/status/1994248882671272109) 2025-11-28T03:35Z 4307 followers, 13.2K engagements "@GolfingOnMars @m3_melody Im underwriting a 31-42% decline from the peak Oct 2022 locally here in Jacksonville. Depends on area Price point New construction surrounding it Etc etc" [X Link](https://x.com/jonbrooks/status/1995964480925364728) 2025-12-02T21:13Z 4313 followers, XX engagements "@WallStreetApes Can you show up evidence of this Would be interested to see what % of FHA mortgages went to illegal immigrants Would be very surprised theyd make it through underwriting" [X Link](https://x.com/jonbrooks/status/1997044472207773981) 2025-12-05T20:44Z 4315 followers, XXX engagements "Housing shortage" [X Link](https://x.com/jonbrooks/status/1997663361811537961) 2025-12-07T13:43Z 4320 followers, 12.3K engagements "@DustinDefranco my wife says the same thing to me all the time" [X Link](https://x.com/jonbrooks/status/1998215751245947251) 2025-12-09T02:18Z 4293 followers, XXX engagements "We really need financial literacy classes in high school Kids and adults really have virtually no financial skills" [X Link](https://x.com/jonbrooks/status/1998362523616399681) 2025-12-09T12:02Z 4312 followers, XXX engagements "Florida home prices fell again in November (Zillow). While the crowd waits for headlines Serious buyers are quietly positioning. Fear creates discounts. Patience creates wealth" [X Link](https://x.com/jonbrooks/status/1998492900343079053) 2025-12-09T20:40Z 4320 followers, 4863 engagements "The SAVE student loan plan is being wiped out. Once the judge signs off (expected) 5000001000000 FHA borrowers will be forced back into student loan payments. Thats: Less cash flow Higher delinquencies More pressure on housing This is a silent economic shock nobody is pricing in yet" [X Link](https://x.com/jonbrooks/status/1998604405206106413) 2025-12-10T04:03Z 4335 followers, 17.5K engagements "I just sold every property I own single-family rentals multifamily flips all of it. Not because Im emotional. Because the math stopped working. After a decade building my portfolio I exited real estate entirely and in this video I walk through the exact data that forced the decision. Heres what youll learn: 📉 Floridas migration surge has reversed 📉 Hedge funds are now net sellers 📉 Rental returns fell below Treasuries 📉 Affordability is structurally broken 📉 The real ROI model investors should be using 📉 The price levels where investors will actually buy again 📉 And why private lending" [X Link](https://x.com/jonbrooks/status/1998813978961600513) 2025-12-10T17:56Z 4321 followers, 6585 engagements "@TeamBitcoin At this rate these landlords will take anyone to film units and theres more and more being built on every corner" [X Link](https://x.com/jonbrooks/status/1998855420304359892) 2025-12-10T20:40Z 4289 followers, XXX engagements "@SixFinance You can make that bet in @Kalshi" [X Link](https://x.com/jonbrooks/status/1998888009509605646) 2025-12-10T22:50Z 4298 followers, XXX engagements "A new LendingTree analysis found that there are XXXX million vacant homes across the U.S. Do we really have a housing shortage" [X Link](https://x.com/jonbrooks/status/1998909354209325293) 2025-12-11T00:15Z 4323 followers, 3419 engagements "@Bitcoin_Teddy Why is the solution BTC" [X Link](https://x.com/jonbrooks/status/1998909995052851322) 2025-12-11T00:17Z 4346 followers, 1624 engagements "Going on the local news again tomorrow to discuss 2026 housing predictions in Northeast Florida. What are your predictions for residential real estate in 2026" [X Link](https://x.com/jonbrooks/status/1998946069087220084) 2025-12-11T02:40Z 4327 followers, XXX engagements "@Leo_Traydes Imagine if financial literacy was taught every year of high school as a mandatory class We would automatically have everyone rage against the suggestion of the XX year mortgage" [X Link](https://x.com/jonbrooks/status/1998961663576621314) 2025-12-11T03:42Z 4327 followers, XX engagements "The Feds X% interest rate experiment (20202022) created a speculative bomb in the Sunbelt housing market: Wall Street SFR giants bought starter homes like lottery tickets Mom-and-pops loaded up on rentals Builders launched a construction boom on steroids This frenzy pushed prices far beyond what locals could ever afford wages never had a chance to keep up. Now Relocations from high-cost states are down XX% from the peak Builders are still cranking out supply into weakening demand And buyers from 20222024 in new-build communities are quietly sliding into distress Short sales are popping up" [X Link](https://x.com/jonbrooks/status/1999077994527138233) 2025-12-11T11:25Z 4338 followers, XXX engagements "@M91272231 @Bitcoin_Teddy I own a coin but Im not putting more in" [X Link](https://x.com/jonbrooks/status/1999091275497365873) 2025-12-11T12:17Z 4357 followers, XX engagements "People stop paying their credit cards first Then they stop paying their auto loans And lastly their mortgage payments We will see a foreclosure spike in Q2-Q3 2026" [X Link](https://x.com/jonbrooks/status/1997663173680202198) 2025-12-07T13:43Z 4400 followers, 79.6K engagements "Now this is fascinating Why are so many people packing up and moving out just released the 2025 Metros Seeing the Most Departures and the data says a lot about where Americans are headed next. According to the report (Sept 2024Aug 2025) the cities seeing the biggest outbound traffic are: X Kansas City MO X San Antonio TX X Indianapolis IN X Las Vegas NV X Dallas TX X Nashville TN X Austin TX X Charlotte NC X Houston TX 🔟 St. Louis MO Whats driving the shift ➡ Rising housing costs in once-affordable metros ➡ Job relocations + remote work flexibility ➡ Lifestyle changes (more space lower taxes" [X Link](https://x.com/jonbrooks/status/1998027058362880431) 2025-12-08T13:49Z 4402 followers, 36.2K engagements "Multifamily is getting crushed. In the Sunbelt: - Rents are falling - Vacancy is rising - Competing new inventory is going higher and higher - Migration is slowing - Insurance is becoming more complex - Late payments are increasing among tenants The list goes on and on. Big correction ahead and the banks can pretend it's not happening but eventually the pain will be felt" [X Link](https://x.com/jonbrooks/status/1998595543086371109) 2025-12-10T03:28Z 4402 followers, 59.1K engagements "The U.S. is drowning in record debt: $18.6T in total household debt $13.1T in mortgages $1.7T in auto loans $1.7T in student loans $1.2T in credit card debt Mortgage debt alone is now XX% higher than the 2006 bubble peak. And the scariest stat of all XX% of Americans have more credit card debt than emergency savings. This is not a soft landing" [X Link](https://x.com/jonbrooks/status/1998613054313889974) 2025-12-10T04:37Z 4401 followers, XXX engagements "Real estate had been appreciating off of lower interest rates for XX years But what happens when rates hit zero and cant go any lower" [X Link](https://x.com/jonbrooks/status/1999086071548617111) 2025-12-11T11:57Z 4402 followers, 4902 engagements "Home prices go negative I was told this never happens and real estate only goes up X% a year" [X Link](https://x.com/jonbrooks/status/1999129041912123762) 2025-12-11T14:48Z 4402 followers, 10.8K engagements "I am having phone calls with guys who invested in commercial real estate - retail and multifamily Theyre losing millions Fraud deals going bad tenants moving out insurance skyrocketing Its just a matter of time until it shows up everywhere" [X Link](https://x.com/jonbrooks/status/1999265869466358029) 2025-12-11T23:51Z 4405 followers, 36.8K engagements "Luxury apartments all over the city so many vacant units And then you just see more and more construction everywhere. Meanwhile net migration is down XX% from the peak but the building keeps going because the projects HAVE to finish If you drove around with me for XX minutes youd understand @m3_melody @Johncomiskey77" [X Link](https://x.com/jonbrooks/status/1999269251496993040) 2025-12-12T00:05Z 4402 followers, 90.6K engagements "@CXCarroll oh yeah this and COVID will be tons of movies" [X Link](https://x.com/jonbrooks/status/1999318393464455170) 2025-12-12T03:20Z 4402 followers, 1827 engagements "🚨 AUTO LOAN CRISIS 🚨 2009 (GFC): 1.7M cars repossessed This year: 2.2M repos already By end of 2025: 3M+ The average new car payment is $748/month. XX% of Americans NEED a car to get to work. This isnt coming. Its already here" [X Link](https://x.com/jonbrooks/status/1999444548205052259) 2025-12-12T11:41Z 4402 followers, XXX 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/1999449298514379168) 2025-12-12T12:00Z 4405 followers, 975.6K engagements "My math shows 31-42% decline in home prices in the Sunbelt from the peak of Oct 2022. In my market many homes are already down XX% so we are in a correction. Can easily see mid-thirtys decline. Will take several years to play out" [X Link](https://x.com/jonbrooks/status/1999449841836130493) 2025-12-12T12:02Z 4402 followers, 5347 engagements "Yes this will happen over 4-5 years real estate is illiquid it takes time for it to reset. Where I am we are already down 10-15% in price and rent in many areas. Real estate is micro so it won't happen anywhere It'll be most hit in areas where it's overbuilt and there was a ton of speculation. Like with everything there will be outliers. The general trend is negative" [X Link](https://x.com/jonbrooks/status/1999518454227832888) 2025-12-12T16:35Z 4402 followers, XXX engagements "@elonmusk any thoughts" [X Link](https://x.com/jonbrooks/status/1999596793902850106) 2025-12-12T21:46Z 4402 followers, 108.7K engagements "Spoke to a large private money lender for fix and flips He said the borrowers are stressed because theyre running out of cash Houses are sitting much longer than they expected The monthly payment is crushing their returns Many are underwater $30-40k And this isnt even prices coming down much this is just due to hold time Fix and flippers got way over their skis" [X Link](https://x.com/jonbrooks/status/1999628905578119229) 2025-12-12T23:54Z 4405 followers, 14.6K engagements "Nationally home prices wont fall THAT much next year because it includes areas like the Northeast that have a different setup The majority of the pain will be in the boom markets during COVID (sunbelt states) as prices will have to mean revert as we wait for wages to keep up" [X Link](https://x.com/jonbrooks/status/1999631312437604801) 2025-12-13T00:03Z 4404 followers, 1901 engagements "@ChrisRamsey60 If rates go up from here will that impact your business model" [X Link](https://x.com/jonbrooks/status/1999822180129915110) 2025-12-13T12:42Z 4404 followers, XX engagements "A lot of real estate agents made $300-500k during 2021-2022 They spent EVERY DOLLAR. No joke all the money. And they didnt pay their taxes Now their business is down XX% and theyre refusing to change their lifestyles or work harder - theyre just living on credit Very interesting to watch All along the way we were teaching them to save and invest Few did Those who did are basically out of debt and able to retire Just two years of being conservative with their money could have changed their entire familys trajectory Why dont people save and invest their money" [X Link](https://x.com/jonbrooks/status/1999913948225618194) 2025-12-13T18:46Z 4405 followers, 7297 engagements "I can tell you the folks I know in commercial real estate STILL dont believe whats happening If they acknowledge the market change then they have to have acknowledge their net worth is now negative net of fees" [X Link](https://x.com/jonbrooks/status/1999921775648616514) 2025-12-13T19:18Z 4403 followers, 1618 engagements "People X months ago were telling me how wrong I was about the changes we will see in housing Now they ask me for data and watch my feed" [X Link](https://x.com/jonbrooks/status/1999939730054734012) 2025-12-13T20:29Z 4402 followers, 1691 engagements "How can anyone take HousingWire seriously when theyre putting out this slop We are about to go into a XX year housing surge" [X Link](https://x.com/jonbrooks/status/1999958273852916117) 2025-12-13T21:43Z 4405 followers, 2676 engagements "@WahlstromGrant Im telling you its operational and happening" [X Link](https://x.com/jonbrooks/status/2000068714243264897) 2025-12-14T05:01Z 4399 followers, XX engagements "@theficouple Get rid of the car student loan and credit card payments" [X Link](https://x.com/jonbrooks/status/2000166808800600246) 2025-12-14T11:31Z 4392 followers, XX engagements "When the only "plan" to fix the economy is to offer XX year mortgages XX year car loans and to finance your groceries on Klarna you know the cycle is already over" [X Link](https://x.com/jonbrooks/status/1994024619724984657) 2025-11-27T12:44Z 4381 followers, 4471 engagements "From @m3_melody s new substack post Sadly according to a Harvard study. 15.6M Americans will leave us between now and 2035 23M departing between 2035 and 2045. 38.6M Americans in XX years. 1.93M per year. XX% assumed homeownership rate of Boomers+ (owning at least one home) = 1.5M potential listings coming on the market through inheritance XX% of listings from inheritance are sold = 1.05M listings per year coming to market 1.1M current active listings for sale right now So ultimately this silver tsunami is like adding an ENTIRE YEAR of supply (at our current supply rate) every year just from" [X Link](https://x.com/jonbrooks/status/1996786092956164275) 2025-12-05T03:37Z 4390 followers, 4496 engagements "In North Carolina and we are driving around and theres SO many houses for sale and SO many for rent. Wow. Just X years ago you had to sell your kidney to the Seller and name your firstborn son after them to even get your offer looked at" [X Link](https://x.com/jonbrooks/status/1996978633945018871) 2025-12-05T16:23Z 4388 followers, 9494 engagements "Another call this morning Seller bought in 2022 Needs to sell for job relocation Under water by $80k + closing costs (6%+) If they wanted to rent theyd lose $800/month - minimum vs their mortgage payment Hundreds of homes for sale in the area - including new construction giving massive incentives These sellers are stuck and with negative equity theyre looking at doing a short sale - could take 9-12 months+ depending on the bank and servicer This is a nightmare for them and its just the beginning of the correction Imagine this time next year" [X Link](https://x.com/jonbrooks/status/1997685770191093846) 2025-12-07T15:12Z 4388 followers, 46.5K engagements "Crypto and sports betting" [X Link](https://x.com/jonbrooks/status/1998356197775437975) 2025-12-09T11:36Z 4364 followers, XXX engagements "They told us there was a massive NYC Florida exodus. Reality: Florida inventory: +23% vs pre-pandemic New York inventory: XX% vs pre-pandemic The so-called Mamdani Effect isnt playing out in the data" [X Link](https://x.com/jonbrooks/status/1998493596115415110) 2025-12-09T20:42Z 4389 followers, 4699 engagements "Looks like a great time to buy" [X Link](https://x.com/jonbrooks/status/1998501797585989810) 2025-12-09T21:15Z 4389 followers, 7909 engagements "@caroljsroth People know in their first 5-10 seconds of entering a home if theyre going to buy it They even know theyre going to buy it when they see the photos online They just go in-person to verify what they saw online" [X Link](https://x.com/jonbrooks/status/1998611971856368099) 2025-12-10T04:33Z 4364 followers, 1168 engagements "@VagabondRTW They have to keep rents high to stabilize the property for underwriting purposes with the bank Otherwise the whole deal goes south" [X Link](https://x.com/jonbrooks/status/1999075112545562638) 2025-12-11T11:13Z 4364 followers, XX engagements "Everyone calling the Feds Reserve Management Purchases no big deal is missing the plot. RMPs look like a precursor to QE not massive yet but the playbook is identical to how previous easing cycles started. If the Fed werent prepping the ground theyd be rolling prepayments back into TBA MBS to support mortgages directly. Theyre choosing not to which means they want flexibility for larger-scale asset buying once the data weakens. This is the early stage where the Fed quietly rebuilds its balance-sheet machinery before turning it on. Rates fall next. QE follows if the economy cracks. Were" [X Link](https://x.com/jonbrooks/status/1999079146345881679) 2025-12-11T11:29Z 4366 followers, XXX engagements "Seeing @m3_melody everywhere and shes spot on. Exactly what she has been describing is happening in our market in 2025. Prices must come down" [X Link](https://x.com/jonbrooks/status/1999089015572799826) 2025-12-11T12:08Z 4379 followers, 5442 engagements "Just X weeks ago the administration absolutely freaked out and started throwing spaghetti at the housing crisis: 50-year mortgages Portable mortgages Assumable mortgages Ask yourself: Are these real solutions or signs of an administration so desperate that its experimenting in real time while the market unravels Because none of this happens in a healthy housing market" [X Link](https://x.com/jonbrooks/status/1999090884458008934) 2025-12-11T12:16Z 4364 followers, XXX engagements "Another one bites the dust I was pitched an investment to buy a large apartment complex for $18M Was told that $1-2M would show up in my bank account and I could show that for liquidity to the bank I said: thats fraud. You cant defraud banks. Not to mention the asset being pitched was only worth $10-11M max . I feel horrible for the investors who got wrapped up in this Destroyed a ton of families I got lucky and dodged a bullet Be careful always have your attorney review deals and deals at that size need independent 3rd party review" [X Link](https://x.com/jonbrooks/status/1999253069700432179) 2025-12-11T23:00Z 4381 followers, XXX engagements "Elon: $2B $486B Ellison: $23B $370B Zuck: $1.5B $245B Bezos: $1.6B $233B Minimum wage: still $XXXX Is this a problem or no" [X Link](https://x.com/jonbrooks/status/1999274760929468765) 2025-12-12T00:27Z 4381 followers, XXX engagements "@RealtorMambuca Everyone has their preference" [X Link](https://x.com/jonbrooks/status/1999285291417501939) 2025-12-12T01:08Z 4381 followers, 1190 engagements "When things get more expensive people dont buy. They rent. Thats the entire housing market in one sentence" [X Link](https://x.com/jonbrooks/status/1999286868655919202) 2025-12-12T01:15Z 4379 followers, XXX engagements "@MEKowalski All across the sunbelt - not Jax" [X Link](https://x.com/jonbrooks/status/1999489099527520658) 2025-12-12T14:38Z 4392 followers, XXX engagements "@AlexBeecher5 yes ever since the fed started raising rates in 2022" [X Link](https://x.com/jonbrooks/status/1999498471183909269) 2025-12-12T15:15Z 4390 followers, XXX engagements "Due diligence fell off a cliff during the boom years of 2021-2022 and now people are paying the price Especially in the commercial real estate space" [X Link](https://x.com/jonbrooks/status/1999517080043872634) 2025-12-12T16:29Z 4388 followers, XXX engagements "We are seeing 40%+ of people's income going to their mortgage payment. Prices must come down" [X Link](https://x.com/jonbrooks/status/1999517456159687154) 2025-12-12T16:31Z 4379 followers, 3203 engagements "Yeah I have an investment banking model I used when underwriting $2B of SFRs at a Wall Street bank The math shows me some areas will be hit harder than others - for various reasons - incomes rent new construction etc. But to make the numbers make sense for renting vs buyer + investors purchasing - the backstop is at XX% decline. Though its a range because of all these different factors Now of course it can a lot longer to mean revert and the Fed can step in and manipulate if they start buying MBS again it can keep being delayed When that happens (at todays rates if they stay up and keep going" [X Link](https://x.com/jonbrooks/status/1999523342156452099) 2025-12-12T16:54Z 4379 followers, XX engagements "It looks worse today than it did in 1929 and 2007" [X Link](https://x.com/jonbrooks/status/1999561617332150748) 2025-12-12T19:26Z 4381 followers, 2182 engagements "Wont be much of whats left of a middle class in a few years" [X Link](https://x.com/jonbrooks/status/1999590284389220689) 2025-12-12T21:20Z 4381 followers, XXX engagements "@LeadingReport How is this breaking news They said theyd release the files and then didnt Of course its a cover up" [X Link](https://x.com/jonbrooks/status/1999638103259336723) 2025-12-13T00:30Z 4380 followers, XXX engagements "Labor market is deteriorating fast" [X Link](https://x.com/jonbrooks/status/1999638622463779315) 2025-12-13T00:32Z 4381 followers, XXX engagements "@theficouple Yes so its important to speak more regionally than nationally. Blanket statements are really tough" [X Link](https://x.com/jonbrooks/status/1999640313497842104) 2025-12-13T00:39Z 4388 followers, XX engagements "Where are we now" [X Link](https://x.com/jonbrooks/status/1999652575419785557) 2025-12-13T01:28Z 4381 followers, XXX engagements "74% of real estate agents didn't sell a SINGLE home in 2024" [X Link](https://x.com/jonbrooks/status/1999682076199780839) 2025-12-13T03:25Z 4381 followers, XXX engagements "@StealthQE4 I pay for chatgpt pro and use Atlas every day worth every cent" [X Link](https://x.com/jonbrooks/status/1999818375720026617) 2025-12-13T12:27Z 4392 followers, XXX engagements "Rents are coming down fast In Jacksonville rents that used to be $2500 are often found at $2000-2200 depending on upgrades Thats a MASSIVE shift in just X years and its going to go lower with how much inventory we are seeing coming online A lot of it is accidental landlords who couldnt sell and got frustrated" [X Link](https://x.com/jonbrooks/status/1997687030721941915) 2025-12-07T15:17Z 4396 followers, 9900 engagements "@theficouple Its a serious problem needs to be addressed People are just scraping by taking care of themselves how can they afford to take care of others" [X Link](https://x.com/jonbrooks/status/1999484974106574868) 2025-12-12T14:22Z 4403 followers, 43.6K engagements "@Paki12160658037 Stop man just stop" [X Link](https://x.com/jonbrooks/status/1999574058476646523) 2025-12-12T20:16Z 4402 followers, 12.7K engagements "@mimi_teaching I love having kids" [X Link](https://x.com/jonbrooks/status/1999594072202174803) 2025-12-12T21:35Z 4405 followers, 20.8K engagements "@TheSharkPunch @elonmusk Who asked him to fix society" [X Link](https://x.com/jonbrooks/status/1999624776701354124) 2025-12-12T23:37Z 4403 followers, 4898 engagements "Falling rates has driven housing for XX years We are at an inflection point What comes next" [X Link](https://x.com/jonbrooks/status/1999814864542319056) 2025-12-13T12:13Z 4400 followers, XXX engagements "@cbatty Lender may be fine good LTVs and careful underwriting" [X Link](https://x.com/jonbrooks/status/1999834100249604325) 2025-12-13T13:29Z 4401 followers, XXX engagements "Are you leaving any money to your kids when you pass away If yes why If no why" [X Link](https://x.com/jonbrooks/status/1999913014523277644) 2025-12-13T18:43Z 4404 followers, XXX engagements "Why investors stopped buying real estate = it's easier and pays more to buy short-term Treasuries" [X Link](https://x.com/jonbrooks/status/1999135778035663306) 2025-12-11T15:14Z 4405 followers, 2056 engagements "@kmcubine exactly putting lipstick on a pig no longer works" [X Link](https://x.com/jonbrooks/status/2000216081999278433) 2025-12-14T14:47Z 4405 followers, XX engagements
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@jonbrooks Jon BrooksJon Brooks posts on X about money, math, commercial real estate, bank the most. They currently have XXXXX followers and XXX posts still getting attention that total XXXXXXX engagements in the last XX hours.
Social category influence finance #571 celebrities XXXX% cryptocurrencies XXXX% stocks XXXX% technology brands XXXX%
Social topic influence money #190, math #2434, commercial real estate #31, bank 2.14%, housing market 1.43%, wall street 1.43%, auto loans #89, insurance #636, the money #6, ton XXXX%
Top accounts mentioned or mentioned by @theficouple @m3melody @jgpuck99 @cxcarroll @mbrand657 @teambitcoin @realtormambuca @thatsob_vanowen @donaldjeffery1 @texasrunnerdfw @sixfinance @bitcointeddy @m91272231 @elonmusk @wahlstromgrant @vagabondrtw @alexbeecher5 @cbatty @kmcubine @thecolemanthe
Top assets mentioned Bitcoin (BTC) Klarna Group (KLAR)
Top posts by engagements in the last XX hours
"Lumber prices are tanking"
X Link 2025-11-23T12:59Z 4338 followers, 49.1K engagements
"You need a $103k income to buy a house But median household income locally is $69k This is why prices will come down Theres no way around it Wages arent magically going to go up 49.2%"
X Link 2025-11-28T03:35Z 4307 followers, 13.2K engagements
"@GolfingOnMars @m3_melody Im underwriting a 31-42% decline from the peak Oct 2022 locally here in Jacksonville. Depends on area Price point New construction surrounding it Etc etc"
X Link 2025-12-02T21:13Z 4313 followers, XX engagements
"@WallStreetApes Can you show up evidence of this Would be interested to see what % of FHA mortgages went to illegal immigrants Would be very surprised theyd make it through underwriting"
X Link 2025-12-05T20:44Z 4315 followers, XXX engagements
"Housing shortage"
X Link 2025-12-07T13:43Z 4320 followers, 12.3K engagements
"@DustinDefranco my wife says the same thing to me all the time"
X Link 2025-12-09T02:18Z 4293 followers, XXX engagements
"We really need financial literacy classes in high school Kids and adults really have virtually no financial skills"
X Link 2025-12-09T12:02Z 4312 followers, XXX engagements
"Florida home prices fell again in November (Zillow). While the crowd waits for headlines Serious buyers are quietly positioning. Fear creates discounts. Patience creates wealth"
X Link 2025-12-09T20:40Z 4320 followers, 4863 engagements
"The SAVE student loan plan is being wiped out. Once the judge signs off (expected) 5000001000000 FHA borrowers will be forced back into student loan payments. Thats: Less cash flow Higher delinquencies More pressure on housing This is a silent economic shock nobody is pricing in yet"
X Link 2025-12-10T04:03Z 4335 followers, 17.5K engagements
"I just sold every property I own single-family rentals multifamily flips all of it. Not because Im emotional. Because the math stopped working. After a decade building my portfolio I exited real estate entirely and in this video I walk through the exact data that forced the decision. Heres what youll learn: 📉 Floridas migration surge has reversed 📉 Hedge funds are now net sellers 📉 Rental returns fell below Treasuries 📉 Affordability is structurally broken 📉 The real ROI model investors should be using 📉 The price levels where investors will actually buy again 📉 And why private lending"
X Link 2025-12-10T17:56Z 4321 followers, 6585 engagements
"@TeamBitcoin At this rate these landlords will take anyone to film units and theres more and more being built on every corner"
X Link 2025-12-10T20:40Z 4289 followers, XXX engagements
"@SixFinance You can make that bet in @Kalshi"
X Link 2025-12-10T22:50Z 4298 followers, XXX engagements
"A new LendingTree analysis found that there are XXXX million vacant homes across the U.S. Do we really have a housing shortage"
X Link 2025-12-11T00:15Z 4323 followers, 3419 engagements
"@Bitcoin_Teddy Why is the solution BTC"
X Link 2025-12-11T00:17Z 4346 followers, 1624 engagements
"Going on the local news again tomorrow to discuss 2026 housing predictions in Northeast Florida. What are your predictions for residential real estate in 2026"
X Link 2025-12-11T02:40Z 4327 followers, XXX engagements
"@Leo_Traydes Imagine if financial literacy was taught every year of high school as a mandatory class We would automatically have everyone rage against the suggestion of the XX year mortgage"
X Link 2025-12-11T03:42Z 4327 followers, XX engagements
"The Feds X% interest rate experiment (20202022) created a speculative bomb in the Sunbelt housing market: Wall Street SFR giants bought starter homes like lottery tickets Mom-and-pops loaded up on rentals Builders launched a construction boom on steroids This frenzy pushed prices far beyond what locals could ever afford wages never had a chance to keep up. Now Relocations from high-cost states are down XX% from the peak Builders are still cranking out supply into weakening demand And buyers from 20222024 in new-build communities are quietly sliding into distress Short sales are popping up"
X Link 2025-12-11T11:25Z 4338 followers, XXX engagements
"@M91272231 @Bitcoin_Teddy I own a coin but Im not putting more in"
X Link 2025-12-11T12:17Z 4357 followers, XX engagements
"People stop paying their credit cards first Then they stop paying their auto loans And lastly their mortgage payments We will see a foreclosure spike in Q2-Q3 2026"
X Link 2025-12-07T13:43Z 4400 followers, 79.6K engagements
"Now this is fascinating Why are so many people packing up and moving out just released the 2025 Metros Seeing the Most Departures and the data says a lot about where Americans are headed next. According to the report (Sept 2024Aug 2025) the cities seeing the biggest outbound traffic are: X Kansas City MO X San Antonio TX X Indianapolis IN X Las Vegas NV X Dallas TX X Nashville TN X Austin TX X Charlotte NC X Houston TX 🔟 St. Louis MO Whats driving the shift ➡ Rising housing costs in once-affordable metros ➡ Job relocations + remote work flexibility ➡ Lifestyle changes (more space lower taxes"
X Link 2025-12-08T13:49Z 4402 followers, 36.2K engagements
"Multifamily is getting crushed. In the Sunbelt: - Rents are falling - Vacancy is rising - Competing new inventory is going higher and higher - Migration is slowing - Insurance is becoming more complex - Late payments are increasing among tenants The list goes on and on. Big correction ahead and the banks can pretend it's not happening but eventually the pain will be felt"
X Link 2025-12-10T03:28Z 4402 followers, 59.1K engagements
"The U.S. is drowning in record debt: $18.6T in total household debt $13.1T in mortgages $1.7T in auto loans $1.7T in student loans $1.2T in credit card debt Mortgage debt alone is now XX% higher than the 2006 bubble peak. And the scariest stat of all XX% of Americans have more credit card debt than emergency savings. This is not a soft landing"
X Link 2025-12-10T04:37Z 4401 followers, XXX engagements
"Real estate had been appreciating off of lower interest rates for XX years But what happens when rates hit zero and cant go any lower"
X Link 2025-12-11T11:57Z 4402 followers, 4902 engagements
"Home prices go negative I was told this never happens and real estate only goes up X% a year"
X Link 2025-12-11T14:48Z 4402 followers, 10.8K engagements
"I am having phone calls with guys who invested in commercial real estate - retail and multifamily Theyre losing millions Fraud deals going bad tenants moving out insurance skyrocketing Its just a matter of time until it shows up everywhere"
X Link 2025-12-11T23:51Z 4405 followers, 36.8K engagements
"Luxury apartments all over the city so many vacant units And then you just see more and more construction everywhere. Meanwhile net migration is down XX% from the peak but the building keeps going because the projects HAVE to finish If you drove around with me for XX minutes youd understand @m3_melody @Johncomiskey77"
X Link 2025-12-12T00:05Z 4402 followers, 90.6K engagements
"@CXCarroll oh yeah this and COVID will be tons of movies"
X Link 2025-12-12T03:20Z 4402 followers, 1827 engagements
"🚨 AUTO LOAN CRISIS 🚨 2009 (GFC): 1.7M cars repossessed This year: 2.2M repos already By end of 2025: 3M+ The average new car payment is $748/month. XX% of Americans NEED a car to get to work. This isnt coming. Its already here"
X Link 2025-12-12T11:41Z 4402 followers, XXX 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 2025-12-12T12:00Z 4405 followers, 975.6K engagements
"My math shows 31-42% decline in home prices in the Sunbelt from the peak of Oct 2022. In my market many homes are already down XX% so we are in a correction. Can easily see mid-thirtys decline. Will take several years to play out"
X Link 2025-12-12T12:02Z 4402 followers, 5347 engagements
"Yes this will happen over 4-5 years real estate is illiquid it takes time for it to reset. Where I am we are already down 10-15% in price and rent in many areas. Real estate is micro so it won't happen anywhere It'll be most hit in areas where it's overbuilt and there was a ton of speculation. Like with everything there will be outliers. The general trend is negative"
X Link 2025-12-12T16:35Z 4402 followers, XXX engagements
"@elonmusk any thoughts"
X Link 2025-12-12T21:46Z 4402 followers, 108.7K engagements
"Spoke to a large private money lender for fix and flips He said the borrowers are stressed because theyre running out of cash Houses are sitting much longer than they expected The monthly payment is crushing their returns Many are underwater $30-40k And this isnt even prices coming down much this is just due to hold time Fix and flippers got way over their skis"
X Link 2025-12-12T23:54Z 4405 followers, 14.6K engagements
"Nationally home prices wont fall THAT much next year because it includes areas like the Northeast that have a different setup The majority of the pain will be in the boom markets during COVID (sunbelt states) as prices will have to mean revert as we wait for wages to keep up"
X Link 2025-12-13T00:03Z 4404 followers, 1901 engagements
"@ChrisRamsey60 If rates go up from here will that impact your business model"
X Link 2025-12-13T12:42Z 4404 followers, XX engagements
"A lot of real estate agents made $300-500k during 2021-2022 They spent EVERY DOLLAR. No joke all the money. And they didnt pay their taxes Now their business is down XX% and theyre refusing to change their lifestyles or work harder - theyre just living on credit Very interesting to watch All along the way we were teaching them to save and invest Few did Those who did are basically out of debt and able to retire Just two years of being conservative with their money could have changed their entire familys trajectory Why dont people save and invest their money"
X Link 2025-12-13T18:46Z 4405 followers, 7297 engagements
"I can tell you the folks I know in commercial real estate STILL dont believe whats happening If they acknowledge the market change then they have to have acknowledge their net worth is now negative net of fees"
X Link 2025-12-13T19:18Z 4403 followers, 1618 engagements
"People X months ago were telling me how wrong I was about the changes we will see in housing Now they ask me for data and watch my feed"
X Link 2025-12-13T20:29Z 4402 followers, 1691 engagements
"How can anyone take HousingWire seriously when theyre putting out this slop We are about to go into a XX year housing surge"
X Link 2025-12-13T21:43Z 4405 followers, 2676 engagements
"@WahlstromGrant Im telling you its operational and happening"
X Link 2025-12-14T05:01Z 4399 followers, XX engagements
"@theficouple Get rid of the car student loan and credit card payments"
X Link 2025-12-14T11:31Z 4392 followers, XX engagements
"When the only "plan" to fix the economy is to offer XX year mortgages XX year car loans and to finance your groceries on Klarna you know the cycle is already over"
X Link 2025-11-27T12:44Z 4381 followers, 4471 engagements
"From @m3_melody s new substack post Sadly according to a Harvard study. 15.6M Americans will leave us between now and 2035 23M departing between 2035 and 2045. 38.6M Americans in XX years. 1.93M per year. XX% assumed homeownership rate of Boomers+ (owning at least one home) = 1.5M potential listings coming on the market through inheritance XX% of listings from inheritance are sold = 1.05M listings per year coming to market 1.1M current active listings for sale right now So ultimately this silver tsunami is like adding an ENTIRE YEAR of supply (at our current supply rate) every year just from"
X Link 2025-12-05T03:37Z 4390 followers, 4496 engagements
"In North Carolina and we are driving around and theres SO many houses for sale and SO many for rent. Wow. Just X years ago you had to sell your kidney to the Seller and name your firstborn son after them to even get your offer looked at"
X Link 2025-12-05T16:23Z 4388 followers, 9494 engagements
"Another call this morning Seller bought in 2022 Needs to sell for job relocation Under water by $80k + closing costs (6%+) If they wanted to rent theyd lose $800/month - minimum vs their mortgage payment Hundreds of homes for sale in the area - including new construction giving massive incentives These sellers are stuck and with negative equity theyre looking at doing a short sale - could take 9-12 months+ depending on the bank and servicer This is a nightmare for them and its just the beginning of the correction Imagine this time next year"
X Link 2025-12-07T15:12Z 4388 followers, 46.5K engagements
"Crypto and sports betting"
X Link 2025-12-09T11:36Z 4364 followers, XXX engagements
"They told us there was a massive NYC Florida exodus. Reality: Florida inventory: +23% vs pre-pandemic New York inventory: XX% vs pre-pandemic The so-called Mamdani Effect isnt playing out in the data"
X Link 2025-12-09T20:42Z 4389 followers, 4699 engagements
"Looks like a great time to buy"
X Link 2025-12-09T21:15Z 4389 followers, 7909 engagements
"@caroljsroth People know in their first 5-10 seconds of entering a home if theyre going to buy it They even know theyre going to buy it when they see the photos online They just go in-person to verify what they saw online"
X Link 2025-12-10T04:33Z 4364 followers, 1168 engagements
"@VagabondRTW They have to keep rents high to stabilize the property for underwriting purposes with the bank Otherwise the whole deal goes south"
X Link 2025-12-11T11:13Z 4364 followers, XX engagements
"Everyone calling the Feds Reserve Management Purchases no big deal is missing the plot. RMPs look like a precursor to QE not massive yet but the playbook is identical to how previous easing cycles started. If the Fed werent prepping the ground theyd be rolling prepayments back into TBA MBS to support mortgages directly. Theyre choosing not to which means they want flexibility for larger-scale asset buying once the data weakens. This is the early stage where the Fed quietly rebuilds its balance-sheet machinery before turning it on. Rates fall next. QE follows if the economy cracks. Were"
X Link 2025-12-11T11:29Z 4366 followers, XXX engagements
"Seeing @m3_melody everywhere and shes spot on. Exactly what she has been describing is happening in our market in 2025. Prices must come down"
X Link 2025-12-11T12:08Z 4379 followers, 5442 engagements
"Just X weeks ago the administration absolutely freaked out and started throwing spaghetti at the housing crisis: 50-year mortgages Portable mortgages Assumable mortgages Ask yourself: Are these real solutions or signs of an administration so desperate that its experimenting in real time while the market unravels Because none of this happens in a healthy housing market"
X Link 2025-12-11T12:16Z 4364 followers, XXX engagements
"Another one bites the dust I was pitched an investment to buy a large apartment complex for $18M Was told that $1-2M would show up in my bank account and I could show that for liquidity to the bank I said: thats fraud. You cant defraud banks. Not to mention the asset being pitched was only worth $10-11M max . I feel horrible for the investors who got wrapped up in this Destroyed a ton of families I got lucky and dodged a bullet Be careful always have your attorney review deals and deals at that size need independent 3rd party review"
X Link 2025-12-11T23:00Z 4381 followers, XXX engagements
"Elon: $2B $486B Ellison: $23B $370B Zuck: $1.5B $245B Bezos: $1.6B $233B Minimum wage: still $XXXX Is this a problem or no"
X Link 2025-12-12T00:27Z 4381 followers, XXX engagements
"@RealtorMambuca Everyone has their preference"
X Link 2025-12-12T01:08Z 4381 followers, 1190 engagements
"When things get more expensive people dont buy. They rent. Thats the entire housing market in one sentence"
X Link 2025-12-12T01:15Z 4379 followers, XXX engagements
"@MEKowalski All across the sunbelt - not Jax"
X Link 2025-12-12T14:38Z 4392 followers, XXX engagements
"@AlexBeecher5 yes ever since the fed started raising rates in 2022"
X Link 2025-12-12T15:15Z 4390 followers, XXX engagements
"Due diligence fell off a cliff during the boom years of 2021-2022 and now people are paying the price Especially in the commercial real estate space"
X Link 2025-12-12T16:29Z 4388 followers, XXX engagements
"We are seeing 40%+ of people's income going to their mortgage payment. Prices must come down"
X Link 2025-12-12T16:31Z 4379 followers, 3203 engagements
"Yeah I have an investment banking model I used when underwriting $2B of SFRs at a Wall Street bank The math shows me some areas will be hit harder than others - for various reasons - incomes rent new construction etc. But to make the numbers make sense for renting vs buyer + investors purchasing - the backstop is at XX% decline. Though its a range because of all these different factors Now of course it can a lot longer to mean revert and the Fed can step in and manipulate if they start buying MBS again it can keep being delayed When that happens (at todays rates if they stay up and keep going"
X Link 2025-12-12T16:54Z 4379 followers, XX engagements
"It looks worse today than it did in 1929 and 2007"
X Link 2025-12-12T19:26Z 4381 followers, 2182 engagements
"Wont be much of whats left of a middle class in a few years"
X Link 2025-12-12T21:20Z 4381 followers, XXX engagements
"@LeadingReport How is this breaking news They said theyd release the files and then didnt Of course its a cover up"
X Link 2025-12-13T00:30Z 4380 followers, XXX engagements
"Labor market is deteriorating fast"
X Link 2025-12-13T00:32Z 4381 followers, XXX engagements
"@theficouple Yes so its important to speak more regionally than nationally. Blanket statements are really tough"
X Link 2025-12-13T00:39Z 4388 followers, XX engagements
"Where are we now"
X Link 2025-12-13T01:28Z 4381 followers, XXX engagements
"74% of real estate agents didn't sell a SINGLE home in 2024"
X Link 2025-12-13T03:25Z 4381 followers, XXX engagements
"@StealthQE4 I pay for chatgpt pro and use Atlas every day worth every cent"
X Link 2025-12-13T12:27Z 4392 followers, XXX engagements
"Rents are coming down fast In Jacksonville rents that used to be $2500 are often found at $2000-2200 depending on upgrades Thats a MASSIVE shift in just X years and its going to go lower with how much inventory we are seeing coming online A lot of it is accidental landlords who couldnt sell and got frustrated"
X Link 2025-12-07T15:17Z 4396 followers, 9900 engagements
"@theficouple Its a serious problem needs to be addressed People are just scraping by taking care of themselves how can they afford to take care of others"
X Link 2025-12-12T14:22Z 4403 followers, 43.6K engagements
"@Paki12160658037 Stop man just stop"
X Link 2025-12-12T20:16Z 4402 followers, 12.7K engagements
"@mimi_teaching I love having kids"
X Link 2025-12-12T21:35Z 4405 followers, 20.8K engagements
"@TheSharkPunch @elonmusk Who asked him to fix society"
X Link 2025-12-12T23:37Z 4403 followers, 4898 engagements
"Falling rates has driven housing for XX years We are at an inflection point What comes next"
X Link 2025-12-13T12:13Z 4400 followers, XXX engagements
"@cbatty Lender may be fine good LTVs and careful underwriting"
X Link 2025-12-13T13:29Z 4401 followers, XXX engagements
"Are you leaving any money to your kids when you pass away If yes why If no why"
X Link 2025-12-13T18:43Z 4404 followers, XXX engagements
"Why investors stopped buying real estate = it's easier and pays more to buy short-term Treasuries"
X Link 2025-12-11T15:14Z 4405 followers, 2056 engagements
"@kmcubine exactly putting lipstick on a pig no longer works"
X Link 2025-12-14T14:47Z 4405 followers, XX engagements
/creator/x::jonbrooks