036 Can You Afford a Home in 2025 on a Military Paycheck?

Can you buy smarter for a 2026 PCS? Yes—if you understand the real drivers of mortgage rates and housing prices, and you prep early.

In this episode:
• 2026 Housing Outlook (PCS focus): Why supply constraints + steady demand keep prices firm; why ±1% forecasts don’t change affordability much; why rising BAH + fixed mortgages often help owners more than renters.  
• Mortgage Rates 101: Rates key off the 10-year Treasury, not Fed headlines—so don’t expect point-for-point drops when the Fed trims its overnight rate. Ted connects deficits → bond supply → yields → your mortgage. 
• Financing Choices: VA, FHA, conventional often sit within ~0.25%—pick based on down payment, funding/MI costs, and flexibility; VA is usually the most accessible for zero-down. 
• PCS Playbook: Use PTAD to shop in Feb–Mar, beat the summer surge, and structure extended closes/lease-backs so sellers get cash now and you move in on schedule. Set a monthly payment cap, not just a sticker price.  
• What’s New This Season: Video to show the math; TED’s active projects—flips, BRRRR refis, and a mobile-home park deal—plus a cleaned-up, more readable book rewrite.  

Chapters
• Season 2 reboot + why video
• Housing outlook for 2026 PCS movers
• Mortgage rates vs. the 10-year Treasury
• VA/FHA/conventional: choosing your lane
• PCS tactics: PTAD timing, lease-backs, payment caps
• What’s next this season

Keywords/Tags: military finance, PCS, VA loan, FHA loan, mortgage rates, 10-year Treasury, BAH, housing supply, real estate investing, BRRRR, Service and Wealth, Military Wealth Coach.

CTA: If this helped, share with one teammate or spouse planning a 2026 PCS.
Sign-off: Until next time—stay financially fit and mission ready.

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📢 Challenge:
Share this episode with one friend or teammate who could benefit from learning military money skills. Let’s build a more financially fit force—together.

✌️ Until next time, stay financially fit and mission ready.

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🔎 Keywords:
military finance, military budgeting, military retirement, TSP tips, military money, financial independence, military wealth coach, enlisted finance, officer finance, VA benefits, military pay, service member money, PCS budgeting, saving in uniform