Daily Affordability Is Unobtainable
What can you do about it?
By Mitchell Vexler, January 7, 2026
How were trillions upon trillions of dollars stolen from this and future generations? Why are major cities rapidly decaying, with infrastructure disintegrating, corruption running amok, middle class shrinking, with most of the population struggling to afford the roof over their head and unable to pay for the basics such as a utility bill each month? Why are we seeing mass layoffs all over the nation? Why are property taxes continuing to rise year after year and the actual property values are decreasing? Why are the streets full of drug addicts and homeless people, and why are millions living in their vehicles???
Read:
We Live in the World of Fraud and Fraudsters - How to Protect Yourself
Proper Analysis = Proper Thought, Why the deep dive into proper analysis (especially part II)
A Bankrupt Population is a National Security Risk
Socialism is a National Security Risk.
You are not alone:
Messages Received From Concerned Americans
What do we know and what are we facing
What you can do about it:
You Can Make a Difference! A Holiday Wish for All.
How to Audit Your School District & Central Appraisal District
The Trials & Tribulations of Advocacy for Permanent Change – Part II
We made a big difference and so can you:
December 9 2025 - Press Release – Texas Attorney General
Either the law exists or it doesn’t. We are about to find out.
With just the videos on Real Estate Mindset’s YouTube channel, along with videos with Daniela Cambone of ITM Trading, available at these links...
https://www.youtube.com/@realestatemindset/videos
https://www.youtube.com/watch?v=uY5EpJl5fUo&list=PLnaZPq6_SQa346R3dyLqNM6irhTrFr4Us&index=5
plus, the information on www.mockingbirdproperties.com/dcad, including the site's section of Articles, Letters & Discussions, https://www.mockingbirdproperties.com/dcad#ArticlesLettersDiscussions, we should reach an audience of 1,000,000+ people per day, but that can’t happen without your help pushing them into every social media outlet you possibly can.
Please push and post the videos and the articles. If someone out there is an AI creator, or content creator, or an interested individual, the videos and all the content on www.mockingbirdproperties.com/dcad and in this Article are all free.
The more people that know, the better off we will all be, but quickly because roughly 42,000,000 households are in harm’s way of bankruptcy and or losing the roof over their head. We want people from Across the U.S. and Canada to be knowledgeable and sign the petition.
https://www.mockingbirdproperties.com/sign-petition
The only way to combat the throttling of the YouTube algorithm is by viewers insisting they want to learn about the topic and view the videos to gain knowledge, which is why we are doing what we are doing. Our goal is to inform all, including politicians, and then obtain advocacy at the local, State and Federal level.
The only way to insist, and get, permanent change starts with knowledge of the issues. The problem being property taxation as a result of socialism…resulting from Institutionalized Systemic Moral Hazard. The change comes from demanding a contract from politicians while simultaneously demanding from the courts true Constitutional results and filing criminal complaints against any politician who does not adhere to the State and Federal Constitutions as well as holding the criminals joint and severally liable.
Together we will make a permanent difference.
Be an advocacy army of one and of many for permanent change.
State(s) Property Tax Codes are criminally violated, not just 1 or 2 sections of code, on an epic level, including failure to comply with Uniform Standards of Professional Appraisal Practice which is required in the code of law. Property Taxes must be repealed in favor of the Uniform State(s) Sales Tax to save us all.
Every Citizen should be greatly bothered by any political party, official, or judge refusing to adhere to Constitutional law, as in the end, all citizens regardless of party affiliation end up paying for the fraud created. Socialism, a means to perpetrate/perpetuate fraud, should be codified illegal. Protect yourself.
There's a direct correlation to property tax fraud, silver scam, & printing of money via U.S. Treasury & Federal Reserve. The nexus is the creation of false value being fraudulent property valuation from which to steal tax revenue, fraudulent paper chasing paper from which there is no physical to back up the paper...
Auditing serves as a critical function, providing credibility to financial information & enhancing accountability of governmental entities. If your school district & appraisal district are participating in a criminal conspiracy to defraud, you have a civic duty to expose them because it is your money they are stealing.
A Sampling of Recent Messages Attached to Petition Signatures
Recapping recent articles, videos, & events related to school & municipal bond debts, property taxes, and the financial stability of property owners and tax paying citizens… along with a reminder that YOU CAN MAKE A DIFFERENCE.
Conroe Texas' example of the pattern & practice of Institutionalized Systemic Moral Hazard that's playing out across the US: Public Private Partnerships, School Bond Fraud, Economic Development Commissions. The common nexus is fraudulent overvaluation & over taxation of property, annually increasing to cover up fraud.
Prepared to go bankrupt to support your school district that is failing in education & equity stripping your home & future via the outstanding fraudulent school bond debt? Let's repeal all property tax in favor of Uniform States Sales Tax, end the socialist nightmare, & feed those strangled by the socialists.
Please forgive bluntness of this letter. The Financial Stability Oversight Council Report December 2025 has a conclusionary fatal flaw especially regarding pgs 29 – 38 which has ramifications in other areas of Report: fraudulent property tax, school district accounting & bond fraud and related State & Federal crimes.
What's the connection between Bitcoin, Trading, Federal Reserve, the Texas investigation of over-taxation, socialism, the repeal of property tax, & Precious Metals... a Crisis of Confidence... loss of faith in ability to achieve goals or trust institutions, leading to feelings of doubt & uncertainty about the future.
Attorney General Ken Paxton Launches Statewide Investigation of Nearly 1,000 Texas Cities to Ensure Municipal Transparency and Stop Illegal Tax Increases. If you believe a municipality is in violation of Section 103.001 or 103.003 of the Local Government Code you may file a complaint.
The Press & Federal Reserve have stated that we are not in a recession. The evidence is the opposite. Any one of the 50 issues presented here is enough to cause a recession or major credit crisis... Existing laws are not enforced... Measures need to be implemented... Stop Institutionalized Systemic Moral Hazard.
Basics of economics are not being taught. Health care costs have exploded. Individual, Local, State, & National debt is at all-time highs. Property taxes are stealing equity. Risk of bankruptcy or loss of home is increasing. Restore Mom & Pop’s balance sheet. Repeal property tax, in favor of Uniform States Sales Tax.
Inflation, loss of purchasing power, debt, and fraud… The real national security risk is the 37.8% (42,000,000) households that are in harms way of bankruptcy or losing the roof over their head.
To expand on yesterday’s Trials & Tribulations of Advocacy for Permanent Change – Repeal Property Tax in favor of Uniform States Sales Tax, this Part II will tie several elements together that we all experience & prove up why we must individually & collectively advocate for permanent change.
What does it take to effect change for the betterment of society? Are you willing to learn to help your family and society? Does helping society have to cost you money? Can my family and I benefit by being involved? What can I do to help? What can I expect for my efforts?
Your equity is being stripped while you sleep. CADs, School Districts, State Comptroller, Attorney General, Governor, Legislators all collude in promoting propaganda with taxpayer funds to make you to believe “it is for the children” & that there's nothing you can do about it, all while they commit crimes against you.
To repeat...Not only is the equity in your home being stripped while you sleep, so are your constitutional rights! This should concern every property owner & every citizen, because you're paying for it regardless of what State you live in. As goes California & New York, so goes Texas! As goes Texas, so goes the USA!
What makes confidence crash? Decreasing confidence is the warning sign. When markets crash, opportunities rise! Stock market is its own ecosystem/economy; it can go up, down, sideways. Just like people’s confidence, being irrational exuberance, depression, & it will be ok. Question is over what time frame?
If you really want to rescue the credibility of U.S. Dollar, including the governments at both State & Federal levels, then a coherent & consistent plan that the public understands & participates in, must be in place. It's said “planning eases instability, consistency defeats confusion and clarity squashes disorder."
The Governor Abbott's six element plan as released on November 9th 2025 is the continuation of the exact same pattern & practice of kicking the can down the road to the next person in charge. Let's quickly pull the plan apart, and then lay out what his "Contract with Texas" should be.
Not only is the equity in your home being stripped from you while you sleep, so are your constitutional rights! This should concern every property owner & every single citizen; you are paying for it regardless of what State you live. As goes California and New York, so goes Texas! As goes Texas, so goes the U.S.A.!
Comprehensive Review of Texas School Bonds. Outline from California Policy Center shows pattern & practice of defrauding voters in CA & Texas. Results in bankrupting school systems, equity stripping property owners, affecting all citizens. Many are suffering from cognitive dissonance, unwillingness to believe facts.
All property owners and taxpayers bear the responsibility to ensure that the School Districts and Central Appraisal Districts are adhering to the law. The law is to be applied with accuracy and fairness. The mission is fairness, not being the victims of bureaucracies.
Here is a list of questions to be asked by ALL concerned Citizens & Property Taxpayers at their local School District Board Meetings (motion to compel) wherein the School District raises bonds . (applicable across Texas and the U.S.)
Median household incomes cannot sustain the current levels of debt and high property taxes, including the associated school bond debts. Are you protected? Knowledge is key. It's time to get involved.
Effort to obtain OAG records by Mitch is reminiscent of Dr. Michael Burry's research for the 2008 financial crisis in several key ways. Both individuals employed a strategy of meticulous, data-driven analysis to expose a fundamental flaw in a complex financial system that was widely believed to be secure & stable.
Boomers bought homes for two or three times their annual income during an era when interest rates would fall for the next four decades - turning their mortgages via the amortization schedule into wealth-building machines as rates dropped from 15% to near-zero.
The Rule of Law is a principle stating that all individuals and institutions are subject to the same laws, ensuring equality and preventing arbitrary governance. It is fundamental to democracy, promoting justice, accountability, and the protection of rights.
While all property owners agree that property taxes are too high, owners become particularly incensed when property taxes are assessed unfairly due to improper market value appraisals. Owners don’t mind paying their fair share, but it is unacceptable to pay more than other owners pay for similar properties.
This is one more article in a series, that builds upon each other and allows my thought process to become more direct with the goal of helping distill the issues in byte size elements of understanding of both the macro and micro picture of debt and taxes mandated to support that debt.
It is through the writings of Thomas Paine to the Founding Fathers both individually and jointly, that form the basis from which the U.S. Constitution was derived and signed on March 4, 1789. Mr. Paine wrote Common Sense a book published in 1776. The writings of Mr. Paine form the basis of the U.S. Constitution.
Through the past several months of research, quite often a key word trips a thought process, which causes additional research and expansion of previous articles I wrote. This article falls under such expansion, with the goal to add clarity of why we are where we are and how not to fall prey to the narrative.
Through multiple articles including the Federal Reserve is a Failure & CPI The Big Lie, I made the case that most often, at the hands of government officials, the data is abused, made up, ill-timed (lag), ill-conceived, and simply wrong, and quite often wrong for political reasons.
Violating the black letter of law is an attack and offence to America’s founding principles which were created as a result of The American Revolution of 1776.
Are you prepared to go bankrupt to support your school district which is failing in education, equity stripping your money and your future via the outstanding fraudulent school district bond debt?
If you knew that a child is going hungry and the difference between whether that child goes hungry or not is real estate
Gross Negligence... Criminal Conspiracy to Defraud... Equity Stripping... Repeal Real Estate Tax in favor of Uniform States Sales Tax
In the summation on the analysis on over 100 pages of information and articles on the Federal Reserve, combined with the current state of the U.S. economy and its citizens financial well-being, I have compiled a list of over 50 reasons why the Federal Reserve should be shut down:
Property Tax is illegal when there are no longer any enforced laws protecting rights of real estate taxpaying Citizens, when equity is stripped by compound cumulative over-taxation, when CADs & taxing entities' budgets & debts determine values on which to tax, when property tax system has become irretrievably corrupt..
I'd like to share the article "Who Owns the U.S. Debt?" found on visualcapitalist.com by Bruno Vendetti and expand on the topic to include a discussion on Modern Monetary Theory.
Following the last article that I wrote on Homestead and Circuit Breakers now comes more proof of fraud on a mass scale. I asked in one of the videos a very specific question to Mr. Don Spencer, the Chief Appraiser in the Denton County Central Appraisal District. Knowing, based on irrefutable evidence as found at www.mockingbirdproperties.com/dcad, that the real estate tax laws are being violated not just in Texas but in any County or Province that claims to use Uniform Standards of Professional Appraisal Practice, the question was, Mr. Spencer, what is to stop you from raising the real estate tax to infinity in 2025? The answer, by virtue of violating USPAP, is nothing. (See our violations reviewed pdf document.)
Circuit Breaker Limitation and Residence Homestead are examples of illegal regulations written by the Texas Legislature and exist both in temporary status with expiration dates and subject to amendment, to cover the fraud created by the Central Appraisal Districts on behalf of their owner the Taxing Entities.
My career was built on thought, as a result of thorough analysis with numbers at the forefront. Although it sounds tough, yet often stated by me, is that I don’t give a damn what someone has to say, but very much I care what can be proven. People / Media talk, yet the majority of the time, have nothing to say which in itself becomes divisive. Knowledge vs Ignorance. Repetition of ignorance is ignorance raised to the power two.
In reviewing the multitude of issues that we discovered or encountered with property tax appraisals and the protest/appeal value process in the Denton Central Appraisal District, one cannot help but stop and say, how is this sustainable? Can property owners in other appraisal districts across Texas, or across the U.S., survive this equity stripping attack?
Have you wondered why prices are so out of control? Governments never reduce consumer prices because they benefit from inflation, dissolving their political spending commitments in a constantly depreciated currency. Inflation is the perfect hidden tax. The government makes the currency less valuable by issuing more units of fiat money, partially dissolves its debt in real terms, collects more taxes, and presents itself as the solution to rising prices with subsidies in an increasingly worthless currency. That is why socialism and hyperinflation are one in the same. This is why elections matter. This is why math matters.
The depth of the property tax issues results in Equity Stripping. Property Value Fraud does not discriminate between party lines. Roughly 37% of the households (multifamily & single family) will go bankrupt and or lose their homes as a result of the fraudulent real estate tax scam being perpetrated on all of us.
Quantitative Easing leads to Quantitative Tightening , removal of liquidity in financial system. This is Inflation, loss of purchasing power. This is a form of Tax. Then QE=TAX at both Federal & local level. At local level, CADs created tax on inflation outside USPAP & Law by way of falsely increasing property values.
1) Bankrupt the CADs, force them out of existence and as we have seen in Missouri. Find the corruption, wherever it is, and expose it. Break those who would dare break your family, friends and you. 2) Eliminate property taxes, own the land under your investment. Replace with a quantifiable non-subjective sales tax.
Lawsuit Update May 2024... Let’s be clear. If the Commissioners Court of Denton County is running cover for Denton Central Appraisal District and it’s criminal activity, and if the Judge rules that DCAD has immunity and also rules that DCAD does not have to adhere to the law in the future, then the Judge and Commissioners Court (Judge Eads) have made the State of Texas violate the 1st, 5th, 14th, 16th and Article VI of the U.S. Constitution. It would also mean that the Judge would have chosen criminals over the Citizens of Denton County.
March 2024 Letter to Texas Real Estate Taxpayers & Governor Abbott... We need to discuss issues concerning Texas Central Appraisal Districts, and specifically, the Denton Central Appraisal District. Starting in 2016, we realized that DCAD was manufacturing values, to the point where lawsuits had to be filed annually. So we started documenting what has been done, how, by whom, the ramifications, and then tied what we learned to the Law and USPAP (Uniform Standards of Professional Appraisal Practice).