# @pacemorby on Instagram

- **Type:** Video
- **Original URL:** https://www.instagram.com/p/DdUbaIkPCJL
- **Gondola URL:** https://gondola.cc/posts/70653674-pacemorby-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/9d2fcd3281.jpg
- **Posted:** 2026-09-15T19:09:59.000+00:00
- **Account Owner:** Pace Jordan Morby (@pacemorby) — https://gondola.cc/pacemorby

## Caption

That 25% rule isn’t wrong. It’s just a bank’s rule.

Look at the list again. $60K a year gets you $1,250 a month. Go find a house in a decent area for $1,250. I’ll wait.

So people pick one of two doors. Stretch and become house poor, or spend a year fixing their credit to chase a better rate on a loan they still can’t afford.

You shouldn’t do either...

Just learn creative finance strategies and take over payments on a house that has a low interest rate attached. Terms the seller and I agree on.

No bank approval, no credit checks, and no headaches. It’s the loophole you never knew existed.

Your score matters a lot when you’re asking a bank. It matters way less when you’re sitting across from a seller who just wants out.

For a cheat code on how to get around banks in real estate, comment or dm me “AZ”

#mortgagerates #realestate #investors

## Stats

- **Views:** 138,155
- **Likes:** 563
- **Shares:** 0
- **Comments:** 62

## Tags

realestate, mortgagerates, investors

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