Perpetual Payments

In partnership with

Splits and Caps Daily: Action for Agents

November 11, 2025

📈 Market Move:

Mortgage Marathon

Over the weekend, Trump pitched a wild idea: the 50-year mortgage. The goal? Make homes “more affordable.” The problem? It doesn’t actually do that.

Here’s the breakdown: yes, your monthly payment might drop by a couple hundred bucks. But over the life of the loan, you’d pay nearly double the interest — and take half a century to own your home outright.

Experts are calling it what it is: debt gymnastics. You’d build equity slower, risk going underwater longer, and if anything, give sellers an excuse to raise prices even more since buyers can “afford” bigger payments.

Economists say the real fix isn’t a longer leash on debt — it’s more housing supply. As one mortgage CEO put it, “We’re just stretching the debt, not creating real affordability.”

Oh, and one more snag: a 50-year mortgage isn’t even legal under current lending rules. So it’d need new legislation before anyone could actually offer it.

TL;DR: A 50-year mortgage sounds like affordability — but it’s really just a long, expensive way to say you’ll die with a mortgage.

🌟Quote of the Day:

“A smooth sea never made a skilled sailor.” — Franklin D. Roosevelt

⚡ Quick Win:

Market Minute: Record a 60-second video on one local market trend. Post it on socials. Short, valuable, repeatable.

🎉 Fun Fact of the Day: 

Seed Money: 🪴 Adding “garden” to your listing can bump your price. Listings with words like “garden,” “patio,” or “landscaped” sell up to 5% faster — even if it’s just a potted plant and some mulch.

📚 Book Recommendation:

“The 5AM Club” by Robin Sharma — Look, if you’re serious about leveling up your life — not just in real estate, but in everything — this book is a mental hack disguised as a morning routine. Sharma’s core idea is simple: wake up at 5AM, do 20 minutes of exercise, 20 minutes of reflection, and 20 minutes of learning, and suddenly you’re starting your day ahead of the world.

It’s not magic. It’s about claiming the quiet hours while everyone else is scrolling, snoozing, or reacting. That’s when the compounding kicks in. Little wins in the morning = big wins over time.

I’m not saying you have to literally start your day at 5AM tomorrow, but read this, understand the framework, and ask yourself: what can I do every day to get ahead without anyone noticing? That’s the real game.

One more step forward and the view changes.

What did you think of today’s edition?
Hit ‘reply’ to this email and let us know!

Shoppers are adding to cart for the holidays

Over the next year, Roku predicts that 100% of the streaming audience will see ads. For growth marketers in 2026, CTV will remain an important “safe space” as AI creates widespread disruption in the search and social channels. Plus, easier access to self-serve CTV ad buying tools and targeting options will lead to a surge in locally-targeted streaming campaigns.

Read our guide to find out why growth marketers should make sure CTV is part of their 2026 media mix.

Learn more.