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# ![@ricardodallen Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::353173304.png) @ricardodallen Ricardo from One on One

Ricardo from One on One posts on X about inflation, $25m, $70m, $20m the most. They currently have XXXXX followers and XX posts still getting attention that total XXX engagements in the last XX hours.

### Engagements: XXX [#](/creator/twitter::353173304/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::353173304/c:line/m:interactions.svg)

- X Month XXX -XX%
- X Months XXXXX +103%
- X Year XXXXXX -XX%

### Mentions: X [#](/creator/twitter::353173304/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::353173304/c:line/m:posts_active.svg)

- X Month X +350%
- X Months XX +32%
- X Year XX +58%

### Followers: XXXXX [#](/creator/twitter::353173304/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::353173304/c:line/m:followers.svg)

- X Month XXXXX +0.15%
- X Months XXXXX +2.40%
- X Year XXXXX +1.70%

### CreatorRank: XXXXXXXXX [#](/creator/twitter::353173304/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::353173304/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::353173304/influence)
---

**Social category influence**
[finance](/list/finance)  [currencies](/list/currencies) 

**Social topic influence**
[inflation](/topic/inflation) #960, [$25m](/topic/$25m) #35, [$70m](/topic/$70m) #26, [$20m](/topic/$20m) #81, [$288myr](/topic/$288myr) #1, [$371m](/topic/$371m) #3, [$300k](/topic/$300k) #44, [$208m](/topic/$208m) #4, [25m](/topic/25m), [$15myr](/topic/$15myr)
### Top Social Posts [#](/creator/twitter::353173304/posts)
---
Top posts by engagements in the last XX hours

"Perspective 2: Rent Savings Jamaicas X% rental yield on J$25M = J$1.5M/yr (J$125K/mo before costs). Living in it saves that vs. renting. Renting it earns me that. J$40M (cost plus renos) loan at X% (BOJ trend) = J$240K/mo J$2.88M/yr. Savings cover XX% of mortgage"  
[X Link](https://x.com/ricardodallen/status/1979889036581114207) [@ricardodallen](/creator/x/ricardodallen) 2025-10-19T12:35Z 2646 followers, XX engagements


"Break-Even & Protection: At X% interest J$1.5M rent savings + J$37.1M real gain outpace J$2.88M/yr mortgage cost over X yrs. Youre insulated from inflation (unlike cash losing 3-4%/yr STATIN). Loan ties to J$45M cost not J$70M value. smart leverage if you ask me"  
[X Link](https://x.com/ricardodallen/status/1979889038481109237) [@ricardodallen](/creator/x/ricardodallen) 2025-10-19T12:35Z 2646 followers, XX engagements


"Hey @yaneekpage @davidmullings love the mortgage debate But not all mortgages are debt traps. Homeownership isnt just debt. Lets explore it for personal use: 1) appreciation vs. inflation 2) rent savings. Start with a KNG X case: J$300K in 1987 J$25M in 2020 now J$70M (+ J$20M renos)"  
[X Link](https://x.com/ricardodallen/status/1979889029219815445) [@ricardodallen](/creator/x/ricardodallen) 2025-10-19T12:35Z 2646 followers, XXX engagements


"Original Home Owner (1987-2020): J$300K in XX CPI-data (2010=100: XXXX to 170.98) = J$20.8M in 2020. Sold for J$25M a XX% real gain but real compounded returns (30 yrs) 0.56%. Not great but held inflation over XX yrs. Rent savings not factored yet. So you beat inflation"  
[X Link](https://x.com/ricardodallen/status/1979889031333982627) [@ricardodallen](/creator/x/ricardodallen) 2025-10-19T12:35Z 2646 followers, XX engagements


"Why was XXXX% returns okay: Back then Jamaicas X% rental yield on J$20.8M = J$1.25M/yr rent saved (or earned). So if you rented it (or paid rent) you receive (or pay) X% of the cost of the property. At 6-8% mortgage rates (BOJ) it offset costs + no rent hikes beat inflation (CPI-data 4-6%/yr)"  
[X Link](https://x.com/ricardodallen/status/1979889033154269607) [@ricardodallen](/creator/x/ricardodallen) 2025-10-19T12:35Z 2646 followers, XX engagements


"Perspective 1: Capital Appreciation J$25M in 2020 now J$70M in 2025 (with J$20M renos). CPI-data (2019=100: XXXXX to 143.50) = XXXXX% inflation. J$25M J$32.9M. Real gain: J$37.1M (70M - 32.9M). Way above inflation: renos + Kingston X boom did it"  
[X Link](https://x.com/ricardodallen/status/1979889034899190020) [@ricardodallen](/creator/x/ricardodallen) 2025-10-19T12:35Z 2646 followers, XX engagements


"Quick thoughts on your points (Keeping a # of things constant): - CPI vs. PPP: Deval (approx. XXXXX% annual vs. USD) is valid but CPI captures local import/JMD impacts for affordability here no need for global PPP. - TCO: Agreed including 1-2% maintenance 0.5-1% taxes insurance and hurricane fixes. But owners gain equity while "saving" rent (e.g. X% yields = J$100K/month on J$20M home). Let's hold this constant. - No rent hikes: Holds if ratios stay approx. X% (Kingston avg.). rents track values but owners fixed principal paydown. Again hold this constant. - Variable mortgages: Fluctuate on"  
[X Link](https://x.com/ricardodallen/status/1979901125764517986) [@ricardodallen](/creator/x/ricardodallen) 2025-10-19T13:23Z 2646 followers, XX engagements