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Plain-text accounting insights, tutorials, and updates from the Beancount.io team.

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Wall Street Can't Buy That House Anymore: What the ROAD to Housing Act's Ban on Large Investors Means for Small Landlords and Property Managers

The 21st Century ROAD to Housing Act (Public Law 119-101, enacted July 11, 2026) bans institutional investors controlling 350+ single-family homes from buying more, with exceptions for build-to-rent, renovate-to-rent rehabs costing at least 15% of purchase price, and rent-to-own programs. Here is how the thresholds, exceptions, and a two-year grace window affect small landlords and property managers — and the ownership-count and job-cost records to set up now.

mike

real-estateproperty-managementcompliance

NVIDIA Q2 FY2027: $96.2B Revenue, $59.7B Net Income — and Operating Cash Flow Cut in Half

NVIDIA's Q2 FY2027 revenue reached $96.2B (+106% YoY) on $59.7B of net income, yet operating cash flow fell 52% sequentially to $24.1B — accounts receivable rose $22.3B and DSO went from 45 to 60 days on extended payment terms. In the same quarter NVIDIA issued $25B of debt, returned $26B to shareholders, and disclosed guarantees of up to $105B for a single data-center campus. Full cash-flow bridge, balance sheet and FY2024–Q2 FY2027 history in a public Beancount ledger.

mike

financial-reportingfinancial-analysiscash-flow

Revenue-Based Financing vs. Merchant Cash Advance: What You're Really Paying and How to Keep the Books Clean

A $50,000 advance at 1.30x costs $15,000 either way — but repaid over 20 months at 8% of revenue it annualizes near 18%, while the same fee via $400 daily debits over 7 months behaves like 80%+ APR. Learn how to convert factor rates to comparable APRs, when RBF vs. MCA fits, and the liability and processor-reconciliation entries that keep your books honest.

mike

revenue-based-financingmerchant-cash-advancefinancing
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