How many times have you seen an ad about loans provided to foreign nationals but once you call, the answer you receive only causes more confusion? There is a very simple way to correct the confusion. We need to understand how to distinguish between two different types of foreign nationals who acquire properties in the […]
Private Lenders Need to Be Aware of How the Fair Housing Act Can Impact Their Success.
The Fair Housing Act was designed to protect against discrimination and unfair practices in the process of purchasing residential real estate, including applying for and acquiring a reasonable loan. For private lenders, it’s essential to understand how the Fair Housing […]
Deeper Meaning: Today’s Concept of Fair Housing Goes Beyond Title VIII of the Civil Rights Act of 1968.
The Fair Housing Act (Title VIII of the Civil Rights Act of 1968) originally introduced meaningful federal enforcement of laws guaranteeing that no person could be denied the ability to buy or rent a dwelling because of race, color, religion, sex, familial status or national origin.
Now the concept of fair housing has even broader reach, […]
January 2017: Fannie Mae announces it will back $1 billion in debt collateralized by single-family rental homes owned by Blackstone.
Whether you are a private lender, new or seasoned real estate operator, or real estate agent, this is important news. The government has rubber-stamped that we are becoming more of a rental nation.
How can we […]
So you made a high-risk loan…now what? The actions a lender takes during the term of a loan can make or break the return. This article provides a best-practice checklist to help increase the likelihood of full recovery.
There was a lot of hair on the deal, but the borrower seemed earnest and the risk-reward analysis tilted […]
Establishing your personal investing fundamentals is the most important—but often overlooked—aspect of real estate investing.
One of the secrets to success in the real estate investing arena is so secret it hardly ever gets mentioned. Seasoned industry professionals believe it’s the very first aspect of becoming a successful real estate investor that anyone nails down.
None of […]
Welcome to the world of financial engineering. Allow us to introduce you to the power and simplicity of some basic financial engineering techniques that will expand your business opportunities, allow you to entertain new lending strategies and help you understand that when Wall Street does financial engineering (referred to hereafter as FE), it is what […]
The mortgage industry is anticipating significant changes when it implements the Consumer Financial Protection Bureau’s 2016 Servicing Rule, but determining how those changes will affect operations will have to wait until the rule is fully implemented.
The CFPB will not allow early compliance with the new regulations, which leaves the mortgage servicing industry left questioning how […]
Purchasing a property for all-cash is rare. Not many people have hundreds of thousands of dollars lying around. The common folks have to rely on an economic function known as “financing,” which is essentially just a fancy term for “borrowing.”
In the world of real estate, the money borrowed to purchase a property is known as […]
This past week, the Securities and Exchange Commission (SEC) made it easier for businesses to raise capital through crowdfunding efforts. The SEC adopted new and amended crowdfunding rules to allow companies to raise capital from small offerings more quickly and from out-of-state investors. SEC Chairwoman Mary Jo White made the announcement of new Rule 147A, […]