Dividend scorecards, built like a house.

The House is a dividend portfolio built like a house: every holding is a room with a job — foundation income, reliable payers, defensive rooms, a small growth sleeve — each held at a fixed target weight and bought for monthly income, not price swings. Every ticker here gets one permanent card, graded against that framework: is the payout covered, is the yield real or a trap, and does it compound or just pay? Income first — growth lives in the 401k.

Snapshot · October 2026 · One definition for every number

Going ex-dividend next

DECLARED SCHEDULES · OCTOBER 2026 SNAPSHOT
O
Realty Income · monthly · ~5.2% yield
Ex-dividendFri, Oct 30
JEPI
JPMorgan Equity Premium Income · monthly · ~7.3% dist.
Ex-dividendMon, Nov 2
JEPQ
JPMorgan Nasdaq Equity Premium Income · monthly · ~9.3% dist.
Ex-dividendMon, Nov 2

Own a payer before its ex-dividend date and that payment is yours; buy on or after it and the seller keeps it. Dates are the declared schedules behind the October 2026 snapshot — a company can move one, so confirm the date with your broker before acting on it.

Request a Card

Look up any company by name or ticker. If its card is already in the library, it comes up on the spot — same House test, same verdict rules. If it isn't, you can send us a request — we build the card from the company's real filings and add it to the library, so the next search finds it.

Try:
Nothing up yet. Search a name above — Apple works, and so does every permanent scorecard below. Don't see the name you want? Search it anyway — if it isn't covered yet, you'll get a button to request the card.

The permanent scorecards

Eleven cards, eleven fixed addresses. The ticker on a card never changes — that's what lets searchers find it, bookmark it, and come back. Only the numbers inside move.

Every card has its own page

The library holds 18 cards — the permanent scorecards above plus the names visitors have asked for. Each one lives at its own permanent address, graded on the same House test, so it can be found, bookmarked, and checked again next quarter.

SCHDQuality compounderSchwab U.S. Dividend Equity ETFDividend ETF · Yield 3.41% · Consumer Reliability room JEPIIncome sleeve — capped upsideJPMorgan Equity Premium Income ETFOption-income ETF · Yield ~7.3% · Foundation Income room JEPQIncome sleeve — capped upsideJPMorgan Nasdaq Equity Premium Income ETFOption-income ETF · Yield ~9.3% · Tech Income room OWell coveredRealty Income CorporationREIT · Yield ~5.2% · Rental Income room MAINWell covered — read both yieldsMain Street Capital CorporationBDC · Yield ~5.9% · Credit / BDC room VPUDefensive ballastVanguard Utilities ETFSector ETF · Yield ~2.7% · Utilities room QQQGrowth holding — not incomeInvesco QQQ TrustGrowth ETF · Yield ~0.45% · Tech Infrastructure room VYMSolid compounderVanguard High Dividend Yield ETFDividend ETF · Yield ~2.6% · Consumer Reliability room DGROGroweriShares Core Dividend Growth ETFDividend growth ETF · Yield ~2.2% · Consumer Reliability room HDVQuality-tilted yieldiShares Core High Dividend ETFDividend ETF · Yield ~3.1% · Consumer Reliability room AAPLSafe — but it's not incomeApple Inc.Stock · Yield 0.32% · Tech Infrastructure room MSFTGrower, not a payer — yetMicrosoft CorporationStock · Yield 0.74% · Tech Infrastructure room NVDAHuge raise, still not incomeNVIDIA CorporationDividend Stock — Technology (semiconductors) · Yield 0.47% · Tech Infrastructure room JPMGrower crossing into incomeJPMorgan Chase & Co.Stock — Bank · Yield 2.0% · Credit / BDC room XOMCovered — commodity-linkedExxon Mobil CorporationStock — Energy · Yield 2.30% · Utilities room TSLANo dividend — not incomeTesla, Inc.Stock — EV / Growth · Yield 0.00% · Active / Research room NKEReal payer — earnings in a slumpNIKE, Inc.Stock — Consumer · Yield ~2.4% · Consumer Reliability room MSTYYield trap — income is principal erosionYieldMax MSTR Option Income Strategy ETFOption-income ETF · Distribution rate ~100% · Yield trap room

Order a New House

Pick up to seven cards from the library — every card is fair game, traps included. Each pick takes its room in the House, that room's target weight, and a share of the plan's potential blended yield. The weights are the House's own, room for room: Consumer Reliability 19%, Foundation Income 17%, Rental Income 16%, Utilities 13%, Tech Income 13%, Tech Infrastructure 12%, Credit / BDC 9%, Active / Research 1%. Pick fewer than the full set and the same proportions scale up to fill the whole plan — a three-way split keeps the rooms' relative weights, just bigger. Anything that fails the trap check is allocated zero.

0 of 7 picked

Nothing picked yet. Tap the cards you'd hold and the plan builds itself here — the room each one fills, its target allocation, and the blended yield the combination would pay.

How a card works

One ticker, forever

The SCHD card is always SCHD. A page that swapped tickers would never rank for “MAIN payout ratio” and nobody could return to it. Permanence is the whole search strategy.

Checked numbers, dated

The layout and template never change. Yield, coverage, ex-dividend dates, and dividend growth are checked against the company's own filings and announcements, then dated to the snapshot above — every card rebuilt the same way, on the same definitions, so pages never drift apart.

Verdicts move only when earned

A verdict changes when the data crosses a House threshold — coverage slips, a raise streak breaks, a yield outruns its payout. Every change becomes an item in the Weekly House Score. Nothing is re-opined by hand.

The test adjusts by type

ETFs: yield, expense ratio, dividend growth. REITs: AFFO payout, debt-to-EBITDA, raise history. BDCs: payout plus the regular-vs-supplemental split. Option funds: distribution vs. total return — the yield-trap check.

The Weekly House Score

The paid report isn't written — it's reported. Each week the cards surface whatever crossed a threshold, and that becomes the issue.

ISSUE · WEEK OF OCT 12, 2026
  • MAIN

    Supplemental dividend declared again this quarter. Regular dividend coverage stays the story: ~5.9% yield on the regular payout alone, 8%+ only when supplementals are counted. The card keeps both numbers separate, always.

  • JPM

    Quarterly dividend raised to $1.65. Payout holds at 27.7% even after the raise — its coverage check passes with room. A grower crossing into real income.

  • O

    No threshold crossed. AFFO payout and the monthly raise streak are unchanged. Quiet weeks get reported as quiet — that's what makes the loud weeks believable.

Subscribe to the Weekly House Score — $9.99/month The full tracked universe, every week. Cancel anytime in your Payhip account.

The House Tracker

The scorecards grade the holdings. The House Tracker is the tool the framework itself runs on — the spreadsheet command center behind every card on this page.

One sheet tracks the whole House: every holding in its room, current weight against its target weight, live prices, and an income summary — estimated annual and monthly income, portfolio yield, and the weekly contribution that keeps the plan on pace. When a room drifts off target, the tracker shows it. The cards above tell you whether the holding still deserves its room.

One-time purchase, delivered instantly as a digital download — yours to keep, no subscription.

Get the House Tracker — $19

New to this? How to open an account

A scorecard only helps once you have somewhere to actually buy. If you don't have a brokerage account yet, Robinhood is the app the House itself runs on — it's free to open, has no account minimum, and lets you buy fractional shares, so a first deposit can be small. Opening one takes about ten minutes:

  1. 1

    Start from the link below and create a login.An email address and a password are all the first step asks for.

  2. 2

    Complete the application.Name, date of birth, address, and Social Security number. Every U.S. brokerage is required by federal law to verify your identity — this part is normal, not a red flag.

  3. 3

    Link a bank account and make a first deposit.There's no minimum. Start with an amount you can afford to leave invested — money you might need next month doesn't belong in the market.

  4. 4

    Place your first order.Search any ticker from the cards above. Fractional shares mean you can start with a few dollars of a stock instead of a full share's price.

Open a Robinhood account

Referral disclosure: That button is a referral link. If you open and fund an account through it, Robinhood may pay us a referral reward — it costs you nothing extra and doesn't change your account's terms. It also buys no influence here: no scorecard, verdict, or number on this page is affected by it, and Robinhood doesn't review or endorse this site's content. Any sign-up reward and its conditions are Robinhood's offer, set by Robinhood's terms, and can change or end at any time.

Disclaimers

Not financial advice. Everything on this page — the scorecards, verdicts, target allocations, and blended-yield estimates — is published for general information and education only. Nothing here is investment, tax, or legal advice, and nothing is a recommendation or solicitation to buy, sell, or hold any security. The House framework is one investor's personal screening method, not a professional standard. This site is not operated by a registered investment adviser or broker-dealer. Before investing, do your own research and consider talking to a licensed financial professional who knows your situation.

Investing involves risk. The value of stocks and funds goes down as well as up, and you can lose some or all of the money you invest. Past performance — a company's, a fund's, or this framework's — does not guarantee future results. Dividends are never guaranteed: companies and funds can cut, suspend, or eliminate them at any time, and a high yield is often a warning sign rather than a bargain. Some distributions, including from option-income funds, may be classified partly or mostly as return of capital — your own money paid back to you — rather than income earned. Estimated income figures, including the blended yield in Order a New House, are arithmetic on a dated snapshot, not a promise of what any portfolio will pay.

Numbers are a dated snapshot, not a live feed. Figures are checked against company filings and announcements and dated to the snapshot shown at the top of the page (October 2026). Prices, yields, payout ratios, and ex-dividend dates change constantly, and despite the checking, a figure here can be wrong or out of date. Verify any number that matters with the company's own filings or your broker before acting on it.

How this site earns money. This page sells its own products (the House Tracker and the Weekly House Score, through Payhip) and contains affiliate and referral links — including the Robinhood link above — for which we may receive compensation if you sign up or buy through them. Compensation never changes a score, a verdict, or an allocation on this page, and no company or fund pays to be covered or to be graded well.

Third parties. Robinhood and the Robinhood logo are trademarks of Robinhood Markets, Inc.; brokerage services are offered through Robinhood Financial LLC. Payhip is a separate company that processes payments for the products sold here. Naming a broker, product, or company on this page is not an endorsement by them of this site, and links to third-party sites are governed by those sites' own terms and privacy policies, not ours.