Private lending articles covering market crashes, recession signals, FHA changes and how private lenders fill the gap when banks pull back.
Happy summer to everyone, hopefully you are taking some time to get outside with your friends and family to de stress . Last week, I wrote about the general economy not following a V shaped economic pattern, which I still believe, but housing seems to be marching to...
The picture above is a bit more relaxing to look at as opposed to the media barrage of the coronavirus and stock market (do you know where I took the pic, hint in CO, email me if you know). The Coronavirus has caused stock markets around the world to quickly sell off...
Happy Holidays to you and your family. With 2019 coming to an end quickly it is time for my 2020 real estate market predictions. 2020 is shaping up to be considerably more exciting than 2019 economically speaking! The main economic drivers in 2020 will be consumer...
The Federal housing administration over the last several years has been quietly easing the lending standards to increase home ownership. Montgomery, the director of the FHA, did an abrupt change this month tightening standards “to maintain a better balance of...
As Thanksgiving week begins, there was a surprising economic report just released. The National Association of Home Builders/Wells Fargo Housing Market Index dropped eight points in November to 60, according to a report Monday. That compared with the median estimate...
For anyone watching the markets, it has been quite the ride. I’m feeling a bit seasick from all the motion taking place in the markets! Stocks plummet then come roaring back all within the same day. What is going on? As stocks are swooning so are 10-year treasuries...
It has been 10 years since Lehman Brothers collapsed and the mortgage market tanked with Fannie and Freddie taken over by the US government. Have we learned any lessons from the last collapse? Is the mortgage market substantially safer than before? Who will take it...
What is a government’s role in real estate whether it is mortgages, subsidized housing, flood insurance, etc… Is government really the best equipped to solve various real estate issues or should private enterprise take the lead. Has the government created a...
Less relocation impacts real estate investments. About 3.5 million workers relocated for a new job last year, a 10% drop from 3.8 million in 2015. The current relocation rate of 10 percent is 72 percent lower than in the mid-to-late 1980s. The average annual...
The Commerce Department reported GDP surged to 4.1% this past quarter from 2% the prior quarter (full article). Is this the beginning of an era of increased economic prosperity or a house of cards ready to crumble? Should you buy real estate now due to expected...
I know this sounds pretty crazy that a mushroom should be your guide to real estate investing. First, put the magic mushroom down! I’m not talking about actually consuming a mushroom. Do you know the mushroom theory? I think most people would agree, the...
Pretty crazy to think of a small task like using an iPhone or a Windows computer is increasing your mortgage rates. How can a computer or phone have any impact on rates? Apple, Microsoft, and Google are the largest holders of offshore cash piles. Under the new law...
The map above is the most important picture for Real Estate Profitability. What does it signify? What do the dark green areas mean? A recent article in the Wall Street Journal stated 19 million jobs will be eliminated in the next 15 years, but 21 million new jobs...
Can the animals predict our next “storm”? Should we all be listening to our “primal” instincts a bit more? We probably should. I was doing a long trail run last week in the Colorado backcountry outside of Steamboat Springs, Colorado. On my run, I saw tons of...
Where to turn when a bank says no? I hope each of you are having a great summer and beating the heat. The focus of this month’s column is on hard money, an alternative to traditional lending avenues. I’m commonly asked what is hard money. When I answer this...
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