11/11/2025
💡 There’s always a way to win in real estate — even when others say it’s not the right time. Real estate isn’t a one-size-fits-all game, and the pros know the ins and outs that make all the difference.
Don’t take advice from someone who bought once and suddenly became a “market expert.” 🏈 Leave the Monday morning quarterbacking to the sidelines — talk to someone who lives this market every day.
It’s an interesting take for sure!
Here’s his rationale behind it:
WHY I LOVE THE 50-YEAR MORTGAGE:
Here’s the full picture of the 50-year mortgage opportunity, including the extra interest you get "wrecked" by on the 50-year mortgage.
Monthly payments (6% interest, $500k home):
• 30-year: $2,997.75
• 50-year: $2,632.02
• Monthly difference: $365.73
Total interest paid:
• 30-year interest: $579,190.95
• 50-year interest: $1,079,214.38
• Extra interest from choosing 50-year: $500,023.44
So stretching the loan to 50 years means you pay an extra half a million dollars in interest to the bank.
But here’s the twist:
If you take the $365.73 monthly savings and throw it into Bitcoin compounding at 20% for 30 years, you get:
✅ $8,403,654
So the trade-off is basically:
• Pay the bank $500k more,
• But stack $8.4M in Bitcoin.
Even a 20% CAGR on BTC gets you $1m status in about 18 years with that small monthly contribution.
But remember, this is a 50 year mortgage. Instead of 30 years, you keep stacking $365.73 per month into Bitcoin compounding at 20% annually for 50 years, your final stack becomes:
✅ $445,081,564
Yes.
Four hundred forty five million dollars.
Off the mortgage-payment difference.
This is why the 50-year mortgage discourse is hysterical.
Boomers see “more interest to the bank,” you see “half a billion in BTC.”
Is the 20% terminal CAGR too high?
Perhaps, but a lot of people think it's going to be even higher at 30-40% over the next decade or so.
Saylor himself thinks the terminal CAGR will be around 20% after the next two decades are up.
Crazy numbers, but that's what the math says.
Take it or leave it.
