This week, we're talking about a "new" program Bank of America is piloting targeting Black and Hispanic 1st time homebuyers. It's a zero down payment mortgage that has already been criticized by some as "a plot to accelerate gentrification". We break down: 1. Why that theory is dumb as hell. 2. Why we think gentrification is misunderstood by 95% of the people who talk about it. 3. We give our opinion on what Bank of America is actually doing with this "program" and finally 4. We give a blueprint on what we'd be doing as a first time homebuyer right now in this market instead of joining this program.