Most of the world’s analysts are still on the inflation-and-higher-rates train. But there are still a lot of analysts who believe we’ll see lower rates this year, like the gentleman I referenced...
“Condo Concerns” include low owner-occupancy ratios, HOA litigation, low reserves, and insufficient coverage under the master insurance policy. These issues often render condo projects...
Today we are in the slowest housing market and it is even slower than 1995’s brutal market in relative terms. Today’s market is also even slower than the notoriously slow 2008 and 2011 markets.
I. VantageScores Are Saving Deals! I blogged about the new credit-scoring model, VantageScore, last year and got yelled at by my team because no investors (lenders that buy our loans) accepted...
A bridge loan is a short-term loan that helps you cover the cost of a new home before selling your existing one. It sounds convenient, right? Well, yes and no. While bridge loans can indeed provide...
Understanding the ins and outs of Miami-Dade property tax is crucial for your property management and financial planning. This guide is designed to cover the basics and nuances of property taxes in...
I. Are Appraisers Giving Bigger Condition Adjustments in 2026? There is a neighborhood about a mile west of my CA home that crashes when the market slows. I blog about it often, in fact,...
I. Appraisal Waivers (PIWs) do not run with properties alone; borrowers need to qualify too. An agent asked me last night whether we could check whether his listing was eligible for a PIW. And...
Congress passed another ridiculous bill to address housing affordability – that will do nothing to address housing affordability (it’s just pure political theater). The bill restricts...
We’re working with a CA couple in their mid-80s who bought their $1.3 million home in the early 1970s for about $57,000. They want to sell and move to Idaho – and their capital gains taxes...
Interest rates moved higher yesterday in response to the Fed's comments implying we will not see a rate cut this year, among other things. The bond market then decided to remind the Fed who’s...
I. Oil prices (WTI) have already fallen to $76 per barrel. I share this because “experts” like Doomberg and Peter Zeihan have been telling us that so much oil infrastructure was knocked offline...
Factoid #1: If the spread between mortgage rates and the 10-Year Treasury were as high now as it was in 2023, the average mortgage rate would be almost 7.7%. Last year on this date, average rate was...
Unlock the potential of your real estate investments with DSCR loans. Our comprehensive guide takes you through the basics and beyond, helping you understand how this powerful financial tool can help...
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