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14/09/2026

Flipping is a full time job. Hindi ka kikita if hindi ka makapag-benta to get your capital and profit back. While having rental properties are like owning a business, capital is tied pero it keeps on giving back.

P.S. New QR code at the end of the posting! I kept receiving emails na people are scanning the QR code pero nka-deactivate daw?!? So I made a new one from a diff. website. Working na sya!

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08/09/2026

Sorry, di ko nadefine what CHB means sa post.
If you're unaware, CHB or katulad nitong nakikita mong construction method sa hero image is Concrete Hollow Blocks or C.H.B. for short.

Patong, patong ng hollow blocks. "Hollow" dahil lalagyan pa ng rebar / bakal for reinforcement then bubuhusan ng wet concrete ang mga butas.

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31/08/2026

Medyo connected with the recent news of PagIBIG increasing the loanable amount from 6M to 10M. Same sentiments pa din noon na what's the point if di naman pwedeng bumili from big developers?

Mukang na-gets na ni PagIBIG and they're finally moving to bring in the big guns. Sana lang ay matapos na ang talks and mag-sign na sila ng agreement with these developers so that we can see if PagIBIG pa din nga ba ang mas affordable option or baka malaki pa din ang asking downpayment nila and people would still lean onto banks.

Or malay natin, if buyers lean more towards PagIBIG, banks would need to stretch their loan terms too to be able to get a piece of the pie, diba?

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02/06/2026

Good news nga ba ito or same-same lang rin?

Actually, wala namang difference, muka lang meron. Mahal pa din ang presyo ng properties and at the same time, limited pa din ang options mo dahil developers don't partner with PagIBIG for financing purposes and kahit na owners selling their own properties as well.

Kung tutuusin pa nga, mas madaming hanash si PagIBIG sa documentary requirements kesa sa banko.

In my opinion, okay lang kahit same 6million loan ceiling pero...
1. Lower downpayment required/ higher appraisal
2. Less higpit sa documents needed
3. at siguro discount sa PagIBIG charges diba?

Something that can be truly felt ng tao. Hindi yung tinaas nyo lang yung loan ceiling pero mahirap pa din mag-apply.

Yawa man uy! Medyo disconnected ang lawmakers sa mga ginagawa nilang rules VS on what's really happening on the ground, sating mga consumers.

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27/05/2026

There are 2 types of people you'll meet.
Mga taong takot umutang at mga taong napaka-daming utang. Let's talk about the first one.

I get it, you're scared na di ka ma-aapproved sa loan ng gusto mong bahay. May I ask why? Kasi mahal? Kasi sa tingin mo? Kasi nabasa mong mahirap ma-approve?

Ayan. Kka-computer mo yan. Masyado ka nang natakot sa kwento ng iba. Well, being scared isn't wrong. Natural lang naman yan pero yung natatakot ka without even consulting a professional is just plain bullsh*t. Tinatakot mo lang sarili mo.

I, on the otherhand, just looks at people's income and work setup, can already give a 95% assurance if papasa or made-deny ang loan application mo. How? Years of experience.

Btw. I am also the one na nagpprocess ng home loan applications ng clients ko regardless of the bank. But ofcourse, we usually opt for the one offering the lowest interest rates!

P.S.
Dapat ppunta akong govt office ngayon to request some docs kaya lang, holiday pala. Yawa. Business is weird ngayon, it's both fast and slow at the same time. Nakakawindang.

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24/03/2026

Long time no post! So onting lore muna tayo on my own journey saking 1st property and how this page was born.

I'm gonna go back to my roots of teaching again this 2026! Last year was a very fruitful year despite of the lack of posting. Salamat po saking mga cliente. I was bombarded with clients na I didn't had time to make postings anymore.

Happy problem diba? I actually managed to hit my personal quota I set for myself. Masaya with how business went pero super stressed din. Ganyan talaga ang buhay.

✅ Want to check if you can afford something?
✅ FREE Property Exploration Session!
Check the typeform link in my bio!
No hard selling , no commitment, no bu****it.

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08/11/2025

🔖 Some people think na transferring your loan to another Bank or kay PagIBIG means mas cheaper or they're saving alot because of the "lower interest" kuno na nakikita nila on face value.

On paper, yes, mas mura nga kasi new loans usually get a low interest rate upfront.

PERO... if you check the actual math, hinde.

People assume na their housing loans are based on a straight line method na their monthly ammortization's interest for the whole term is linear or fixed.

No. Housing loans in the Philippines are based on a diminishing balance method na front-loaded ang interest meaning bigger interest ang kinakaltas from the very beginning for the financing institution to recuperate their costs and capital kaagad.

I teach about this kind of stuff on my workshop. Hopefully, this december I could do one since I'm already past 50% done with the content!

Like and share nyo yung post if you’ve read this part! Salamat sa pagbabasa! Tag nyo ako!!!

✅ Want to check if you can afford something?
✅ FREE Property Exploration Session!
Check the typeform link in my bio!
No hard selling , no commitment, no bu****it.

❤️ DM/Collabs/ Inquiries at
[email protected]

16/10/2025

🔖 This is not to discourage you from participating with PagIBIG's ROPA Sale ngayon pero I think, na okay din na makarinig/basa ka ng different perspective contrary the popular belief na "Basta PagIBIG, Mura". If you'll read the post carefully and meron kang proper reading comprehension, it says otherwise.

🔖But then again, case to case basis pa din. I'm not saying na pangit, I'm just stating facts on how things work. You can't say na I'm pro-bank foreclosed kasi kahit kami mismo ng family ko, we also try to bid dati. Pero that was before-before like pre-pandemic season.

💰I honestly think na mahirap magbid ngayon due to public demand? or rather the general knowledge ng public about the said sale. If you're someone who's brave enough to buy an occupied unit, let me know para ihire kitang magpa-alis pag bumili din ako HAHAHAHAHAHA

Kidding aside. Kung may balak ka ngang bumili ng occupied unit, let me know. I want to know your hardships, learnings and processes for educational purposes.

✨P.S. Ngayon lng uli ako gumawa ng posting after so long. Same day posting. October 16, 2025. I'm typing ngayong 12:58pm haha! Nakaka-miss. Medyo nakaka-gana din kasing gumawa ng post if gusto mo yung topic and I think this is something na di naiisip ng mga tao.

Like and share nyo yung post if you've read this part! Salamat sa pagbabasa! Tag nyo ako!!!

✅ Want to check if you can afford something right now?
✅ FREE Property Exploration Session!
Check the typeform link in my bio!
No hard selling , no commitment, no bu****it.

❤️ DM/Collabs/ Inquiries at
[email protected]

28/08/2025

Very timely post since I'll be having a session with a follower ngayon mismong 8pm from the time of this posting having this dilemma.

I didn't prepare this post ngayon lang but matagal na. Sadyang nahihirapan lang ako gumawa ng content dahil super super tagal ko nang di nagsstory tell hahahaha!

Anyway, always ask yourself if naiintindihan nyo ba talaga ang pinapasok nyo and get someone you trust in this aspect to confirm and ipag-double think kayo if you're actually doing the right choice.

✅ Want to check if you can afford something right now?
✅ FREE Property Exploration Session!
Check the typeform link in my bio!
No hard selling , no commitment, no bu****it.

❤️ DM/Collabs/ Inquiries at
[email protected]

08/07/2025

✨ Congrats on your new house, Doc! ✨

If tama ang pagkka-alala ko, Discord acquaintances kami on a finance server. We haven't talked or reached out back then. This was during the pandemic.

Fast forward, Doc reached out last year, 2024 na she's planning to buy na. Medyo biglaan and we had a quickie seminar na may halong benta because may intent to buy na. I had to customize yung talk points na magffit sa situation ni doc. We had 3 separate trippings. We we're trying to find something na magffit sa situation ni doc and Voila! Here we are!

For this transaction, nahirapan lng ako on what payment term and financing ang magwwork sa situation nya because of, syempre, tax docs/ ITR. I had to reach out to different banks just to get an idea kung sinong banks ang mas lenient at hinde. Ano ang common thing at requirement for these situations. After getting answers and making a game plan on how to move forward, saka lang kami nagpush with the reservation.

The whole buying journey took us 11months. From inquiry to trippings hanggang sa magreserve si Doc and I totally understand. Di ako nangru-rush ng cliente at alam yun ng mga clients ko. I always say na pagisipan ng mabuti.

See pics for doc's 1st review for our 1st session, 2nd review when she bought and some pics during our Q&A sa clinic 🥰

Salamat po sa tiwala and congrats uli! 😊

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Pasay City

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Monday	10am - 7pm
Tuesday	10am - 7pm
Wednesday	10am - 7pm
Thursday	10am - 7pm
Friday	10am - 7pm
Saturday	10am - 7pm
Sunday	10am - 7pm

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