part of the confusion may be because "portfolio loan", in addition to the way @Fred Shatzoff correctly used it, is also used to describe loans that an individual bank will keep in its portfolio of loans that it does not immediately sell/layoff to fannie and freddie.

During a break, we saw a commercial for ‘Robinhood’, the trading application that claimed ‘You’re born an investor’.

I've seen companies lay off thousands of engineers and programmers at a time, but no one walks away from infrastructure.Amazon announced three more centers in Las Vegas.

But isn't there already enough of a craze going on in stuff like that and with the whole Robin Hood mentality that we should have little interest in encouraging bright-eyed and busy-tailed amateurs from speculating on such stuff?

Covid and layoffs from large employers have forced many homeowners back in the rental market and will continue to do so as forbearances and loan mods come to fruition.

A brief lapse in extended federal unemployment benefits and fresh layoffs at restaurants and other businesses toward the end of 2020 added more financial stress on working Americans.

There is nothing like homeownership as we learned during covid and had to ask for forbearance due to layoffs.

However, here are few to ponder: 1) Consider a 401(k) loan from yourself. 2) If you have stocks after tax, like through Robinhood or eTrade, consider a margin loan against that stock portfolio.

(Layoff, or other unforseen events) and my credit is great.What realistic purchase price point I should be evaluating?

What do you think about the robin hood app and people investing in meme stocks?