There are twelve down payment assistance programs in Austin and Travis County alone, and JD Cobb says almost nobody asks. He names TSAC and TDHCA, which cover three to five percent down, plus a mortgage credit certificate he can count as monthly income. He tells Jerremy Alexander Newsome and Dave Conley that a soft credit pull costs the buyer nothing and that he'll pay to rescore a client's credit himself. He calls out new-build "incentives" as money rolled straight back into the loan. In the lightning round he names the biggest myth his clients believe — that they need twenty percent down — and says the real lever on rates is energy.

Timestamps:

• (00:12) A dozen programs – the money buyers never think to ask about
• (00:37) TSAC and TDHCA – three to five percent, handed to you
• (02:50) The builder "incentive" – it's just rolled into your loan
• (04:23) Soft pull, no charge – what talking to a lender really costs
• (06:33) One lever – JD's pick if Congress could pull it
• (10:49) Lightning round – the myth every client walks in with
• (13:23) It's energy – why JD says that sets your rate

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The average American buyer is now 38 years old — Dave Conley bought his first home in his twenties and had to borrow the down payment from friends. Dave and Jerremy Alexander Newsome press JD Cobb on where the starter home went, and JD is blunt: Gen Z is skipping steps, and his own first house cost $187,000. He explains what happens when a self-employed file hits an underwriter's desk, why writing off most of your income makes you unlendable, and the one thing a computer can't catch — occupancy fraud. Then insurance: a file that died on flood costs, and AI drawing block-by-block lines around what can't be covered at all.

Timestamps:

• (00:12) Borrowed the down payment – how Dave bought in the '90s
• (05:15) Starter homes are gone – JD's first house cost $187,000
• (08:15) Self-employed problem – your write-offs are killing your loan
• (11:30) The fraud computers miss – lying about who lives there
• (12:50) "Fast and Easy" – the Countrywide program with no verification
• (16:58) Texas wind insurance – $6,000 a year and climbing
• (20:02) AI draws the line – block by block, who gets covered

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• JD Cobb – Website | Instagram | Email

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Construction spending has fallen every month since Trump took office — except in months when the project was a data center. Jerremy Alexander Newsome and Dave Conley say the Nasdaq rode Nvidia’s earnings higher while the Russell 2000 dropped 1.4% in the same stretch, proof the AI trade and the real economy are pulling apart. They point to Walmart, Target, and Home Depot calling margin pressure “psychological” when people can’t afford gas. Dave flags the U.S. government now holding stakes in 31 private companies and calls it more socialist than anything the left has proposed. Jerremy and Dave also break down Iran, the UK’s leadership shakeup, and why nobody’s building houses or factories anymore — only data centers.

Timestamps

• (00:00) Quasar meets politics – portfolio and policy collide from minute one
• (00:25) No real diplomacy – Iran, Ukraine, and a UK leadership shakeup
• (05:34) AI rally, cracking economy – Nasdaq climbs while Russell 2000 falls
• (08:33) Chart ceilings – SpaceMobile, Rocket Lab, and Nvidia hit resistance
• (10:48) Supply chain squeeze – memory, power, and compute all under stress
• (12:29) Energy at record highs – oil stays stubborn despite the rally
• (13:16) Nuclear on base – military quietly testing small reactors
• (15:28) Robinhood, Reddit, Bitcoin – meme stocks meet a sixty-two-thousand floor
• (18:06) Congress on break – midterm chaos brewing while nobody’s watching

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