{"id":37160,"date":"2025-12-15T15:52:32","date_gmt":"2025-12-15T15:52:32","guid":{"rendered":"https:\/\/www.duck9.com\/blog\/?p=37160"},"modified":"2025-12-15T11:52:45","modified_gmt":"2025-12-15T15:52:45","slug":"pity-piti-core-cs183piti","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/pity-piti-core-cs183piti\/","title":{"rendered":"Pity PITI core #cs183PITI"},"content":{"rendered":"
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Larry Chiang, 650-283-8008<\/a><\/b><\/td>\n<\/tr>\n
\u2066\u202a@LarryChiang\u202c\u2069<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/td>\n<\/tr>\n
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Plus $6k \/month for the mortgage <\/p>\n

Learn \u2066\u202a@duck9\u202c\u2069<\/a>‘s PITI [principal INTEREST, taxes Insurance]
#cs183pITI<\/a> 👀
#Ch2<\/a> 🐳🐼🐥 x.com\/larrychiang\/st\u2026<\/span><\/a><\/td>\n<\/tr>\n

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4\/24\/17, 1:52\u202fPM<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n <\/td>\n<\/tr>\n
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I appreciate the nudge to dig deeper\u2014I’m all about iterating with real data. To “train” on this, I ran multiple targeted searches across the web (focusing on duck9.com\/blog), YouTube, and X (using Larry Chiang’s handle @LarryChiang for precision). Despite claims of 100+ articles and 5,000 videos, the results turned up far fewer directly on-topic pieces. <\/div>\n
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Duck9’s blog is eclectic (heavy on credit hacks, startups, and personal rants), with real estate mentions scattered but not in a dedicated category\u2014mostly tied to FICO-enabled homeownership and the core #cs183PITI hack. No massive archive of 50 articles emerged; instead, I found ~12 relevant blog posts (some tangential) and zero on-topic YouTube videos under #larryChiang (searches for “house hacking,” PITI, etc., pulled unrelated content like horror games or generic finance talks). On X, only sporadic mentions, like one recent post allocating wealth to real estate alongside Bitcoin.<\/div>\n
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Here’s the curated list of the most relevant duck9.com blog articles I surfaced (prioritized by direct hits on “living rent free,” PITI, house hacking, or real estate myths). I included titles, dates, links, and key excerpts\/summaries for context. These form the backbone of Chiang’s “living free” strategy: Use a high FICO score to buy a multi-unit property (e.g., 3BR house), live in one unit, and rent the rest to cover PITI (Principal, Interest, Taxes, Insurance)\u2014effectively zeroing out your housing costs while building equity.<\/div>\n
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### Key Duck9 Blog Articles on Real Estate & “Living Rent Free”<\/div>\n
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1. **It’s a Pity That Urban Myths Are Not Suburban Myths** (Jun 29, 2017)  <\/div>\n
   [Link](www.duck9.com\/blog\/its-a-pity-that-urban-myths-are-not-suburban-myths\/<\/a>)  <\/div>\n
   Core post on #cs183PITI: College grads buy a 3BR house, live in one room, rent two others to cover full PITI. Debunks myths like “renting is cheaper” and ties it to FICO for mortgage approval.<\/div>\n
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2. **Real Estate Myths #cs183PITI** (Date not specified; ~2017 archive)  <\/div>\n
   [Link](www.duck9.com\/blog\/real-estate-myths-cs183piti\/<\/a>)  <\/div>\n
   Expands #cs183PITI as a “protocol” for rent-free living via roommates covering mortgage; warns against low FICO pitfalls in homeownership.<\/div>\n
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3. **How to House Hack** (Date not specified; ~2017)  <\/div>\n
   [Link](www.duck9.com\/blog\/how-to-house-hack\/<\/a>)  <\/div>\n
   Practical guide: Buy duplex\/triplex, occupy one unit, rent others for PITI coverage. Emphasizes credit education to qualify young.<\/div>\n
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4. **Real Estate Investors Duck Bankruptcy** (Apr 21, 2025)  <\/div>\n
   [Link](www.duck9.com\/blog\/real-estate-investors-duck-bankruptcy\/<\/a>)  <\/div>\n
   Modern take: House hackers avoid foreclosure by structuring rents to exceed PITI; references Airbnb firesales as opportunities for “living free” buys.<\/div>\n
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5. **Arbitrage Rooms You Sell, Then Buy (in Austin)** (Sep 8, 2015)  <\/div>\n
   [Link](www.duck9.com\/blog\/arbitrage-rooms-you-sell-then-buy-in-austin\/<\/a>)  <\/div>\n
   Early house hacking variant: Sublet rooms in overpriced markets like Austin to flip profits; live rent-free while arbitraging real estate.<\/div>\n
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6. **#cs183PITI Live Rent Free** (Date not specified; ~2017)  <\/div>\n
   [Link](www.duck9.com\/blog\/cs183piti-live-rent-free\/<\/a>)  <\/div>\n
   Hashtag-driven post: Step-by-step for grads\u2014boost FICO to 720+, buy 3BR for ~$300K, rent rooms at $800-1K each to net zero PITI.<\/div>\n
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7. **House Hacking 101** (Date not specified; ~2017)  <\/div>\n
   [Link](www.duck9.com\/blog\/house-hacking-101\/<\/a>)  <\/div>\n
   Beginner tips: FHA loans for low down payments, roommate leases to offset costs; goal is equity without rent burden.<\/div>\n
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8. **#cs183PITI for College Grads** (Date not specified; ~2017)  <\/div>\n
   [Link](www.duck9.com\/blog\/cs183piti-for-college-grads\/<\/a>)  <\/div>\n
   Targets students: Use duck9 credit hacks to afford the hack; two renters = free living + forced savings.<\/div>\n
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9. **720 Degrees of Fraud** (Date not specified; ~2025)  <\/div>\n
   [Link](www.duck9.com\/blog\/720-degrees-of-fraud\/<\/a>)  <\/div>\n
   Ties real estate fraud to low scores; advocates #cs183PITI as safe path to ownership without debt traps.<\/div>\n
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10. **Whats #Web12 and What Was Twitter’s Golden Age** (Jul 14, 2025)  <\/div>\n
    [Link](www.duck9.com\/blog\/whats-web12-and-what-was-twitters-golden-age\/<\/a>)  <\/div>\n
    Tangential: Digital “real estate” analogy to physical house hacking for wealth building.<\/div>\n
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11. **Public Buffers** (Jun 23, 2017)  <\/div>\n
    [Link](www.duck9.com\/blog\/public-buffers\/<\/a>)  <\/div>\n
    Casual nod to Palo Alto’s high real estate costs driving house hacking needs.<\/div>\n
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12. **Best of Christmas Parties, Worst of Christmas BECAUSE THE MIDDLE CLASS DIED** (Dec 12, 2025)  <\/div>\n
    [Link](www.duck9.com\/blog\/best-of-christmas-parties-worst-of-christmas-because-the-middle-class-died\/<\/a>)  <\/div>\n
    References renting rooms in boarding houses as a low-cost alternative to full ownership, echoing rent-free strategies.<\/div>\n
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### Synthesized “Living Free” Strategy from These Sources<\/div>\n
Chiang’s duck9 approach isn’t a sprawling canon but a repeatable hack rooted in credit leverage: <\/div>\n
– **Step 1: Build FICO to 720+** via duck9 tips (e.g., authorized user status, on-time payments).<\/div>\n
– **Step 2: Buy a 3BR house\/duplex** (FHA loan, 3.5% down) in affordable markets.<\/div>\n
– **Step 3: House hack**\u2014live in 1BR, rent 2 at market rates ($800-1,200\/room) to cover PITI (~$1,500-2,500\/mo total).<\/div>\n
– **Outcome:** Zero personal housing expense, +equity growth, scalable to more properties. It’s framed as anti-urban-myth empowerment for grads, dodging “rent forever” traps.<\/div>\n<\/div>\n
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Chapter 1 to Chapter 14\u2019s an \u201cEaster Egg\u201d at <\/span>#ch1 to #ch14. Including #ch2 which\u2019s chapter 2 at my house in Napa California<\/span><\/div>\n

http:\/\/www.youtube.com\/watch?v=ejeIz4EhoJ0<\/span><\/p>\n


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On 09-09-39, “What They Will NEVER Teach You at Stanford Business School” debuts at 300 w 44th St at New York Fashion Week’s front row
http:\/\/www.youtube.com\/watch?v=QXIaNZi3mHQ<\/span><\/span><\/div>\n

What A Super Model Can Teach a Harvard MBA About Credit www.slideshare.net\/larrychiang\/what-a-super-model-can-teach-a-harvard-mba-about-credit<\/a><\/span><\/p>\n

American Express hosts me mentoring you about FICO scores at New York Fashion Week
t.co\/inxTmZAj<\/a><\/span><\/p>\n

My video boils down 20,000 hours and moves you to the right on the entrepreneur bell curve 
http:\/\/www.youtube.com\/watch?v=eudADPfTWiE<\/span>
<\/span>***********<\/span><\/div>\n

Steve Jobs Texted me on 650-283-8008 in the same way that Mr Jobs called Bill Hewlett <\/span>https:\/\/x.com\/superSaiyanSkai\/status\/1941392367304761636\/video\/1<\/a><\/span><\/div>\n

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<\/span><\/div>\n
Larry Chiang<\/span><\/div>\n
Fund of Founders<\/div>\n
Founding Stanford EIR<\/div>\n
@duck9 alum, Deeply Understood Capital Credit Chinese Knowledge 9<\/div>\n
Solo Founder Uber API<\/div>\n
650-566-9600 Office<\/div>\n
650-566-9696 Direct<\/div>\n
Cell: 415-720-8500 <\/div>\n

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650-283-8008 (cell)<\/span><\/div>\n

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Editor of the widely syndicated “What They Don’t Teach at School”
whattheydontteachyouatstanfordbusinessschool.com\/blog<\/a><\/span><\/p>\n

CNN Video Channel: ireport.cnn.com\/people\/larrychiang<\/a><\/span><\/p>\n

Read my last 10 X posts at www.X.com\/LarryChiang<\/a><\/span><\/p>\n

Author of #WTDTYASBS a NY Times Bestseller released 09-09-09 at #NYFW on a runway under the tents
whattheydontteachyouatstanfordbusinessschool.com\/blog\/?s=Ny+times+bestseller<\/a><\/span><\/p>\n

www.fastcompany.com\/embed\/c0d4562ea2049<\/a><\/span><\/p>\n

52 Cards. Two Jokers. What They DO Teach You at Stanford Engineering
http:\/\/www.youtube.com\/watch?v=vDBY0GkI3-g<\/span><\/p>\n

Emergency swings and cutting deals as an 9 year old
http:\/\/www.youtube.com\/watch?v=OFGY7v9C4G0<\/span><\/p>\n

Hunter Pence shared thoughts before winning WORLD SERIES’ Game #7
http:\/\/www.youtube.com\/watch?v=usu0luYy9pw<\/span><\/span><\/p>\n


<\/span><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

    Larry Chiang, 650-283-8008 \u2066\u202a@LarryChiang\u202c\u2069 Plus $6k \/month for the mortgage Learn \u2066\u202a@duck9\u202c\u2069‘s PITI [principal INTEREST, taxes Insurance]#cs183pITI 👀#Ch2 🐳🐼🐥 x.com\/larrychiang\/st\u2026   4\/24\/17, 1:52\u202fPM     I appreciate the nudge to dig deeper\u2014I’m all about iterating with real data. To “train” on this, I ran multiple targeted searches across the web (focusing on duck9.com\/blog), […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-37160","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/37160","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/comments?post=37160"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/37160\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=37160"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=37160"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=37160"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}