Newsletter 1/23/2026 - Minh’s Weekly Update (Week ending Jan 23, 2026) Markets: turbulence is here (up… down… then right back up)
What’s up What’s A Mortgage fam — hope you had a good week.
This week was pure headline-driven whiplash. Any time tariffs / geopolitics / government financing headlines hit, markets and Treasury yields can swing fast — and that’s when mortgage pricing gets choppy too.
We saw stocks pull back, then rebound quickly the moment tariff talk cooled off tied to the Greenland headlines.
Housing / Policy Watch: institutional buyers (not a ban)
The White House is not banning Wall Street from owning single-family homes and not forcing anyone to sell. The move is more about pulling back government backing/support and tightening the lane that helps large institutional buyers compete against everyday families.
Mortgage Corner
California Dream For All lottery dates are live
Registration window: February 24, 2026 – March 16, 2026.
Dream For All Slides + Talk to My Team
Family Wealth Building (Enzo)
Enzo’s Custodial Roth IRA (2025 + 2026 plan)
2025: Even though it’s January, we went back and maxed out the full $7,000 for 2025 since we just opened his custodial Roth last year.
And for anyone reading this: if you haven’t funded your (or your kid’s) 2025 IRA yet, you can still contribute for 2025 until the tax deadline — April 15, 2026 (not extended).
2026: The IRA limit increases to $7,500.
Since Enzo is making about $1,000/month, the clean setup is:
$625/month → Roth IRA (that gets to $7,500 for the year)
$375/month → for now HSA, and once we decide which T-bills we want, we’ll split between T-bills + HSA
Inside the Roth, we’re keeping it simple with:
FXAIX (Fidelity 500 Index)
FNCMX (Fidelity NASDAQ Composite Index)
Cover Calls / Wall Street Landlord
Wall Street Landlord kicks off next Friday
Kickoff date: Friday, January 30, 2026.
It’s FREE for February — foundations + our strategy — and you can even watch us place the first trade with us so you can see it’s real (we’re not telling you to copy trades, just showing it live). After February, there’ll be a monthly subscription if you want to follow along with what we’re doing in real time.
✅ Register here: https://www.skool.com/wall-street-landlord-1577/welcome-future-landlords?p=7087a48d
Personal update: I’ve been doing this strategy about 3–4 months with $20,000, and now I’m going in with another ~$75,000. My personal goal is to push toward $200,000 by the end of 2026, and I’d love for you to join me on the journey.
Real Talk: Debt math (HELOAN example)
Consolidating $100,000 over 20 years at 7.709% APR
Principal + Interest payment: about $818/month.
That’s why I keep saying: I’d rather pay ~800/month at a normal rate than get crushed by the interest on $100,000 of high-rate debt.
Investor Note (rentals): DSCR vs conventional investment loans
If you have rentals, be careful assuming conventional (Fannie) investment loans are automatically best. We’re seeing cases where DSCR pricing can be lower and the cash flow can be better — which can mean:
lower payment
more cash flow
or even cash-out options to scale
If you want a side-by-side breakdown (DSCR vs HELOC vs conventional), reach out and I’ll map it out.
Stay Connected
Daily Rate Watch (updates every day)
👉 https://www.instagram.com/channel/AbaV1H4Vnb5Qu4fC/
Upcoming Webinar
Home Buyer Webinar
Thursday, February 19, 2026 @ 6:00 PM PT
Topic: Buy New Construction 2026 Made Easy
