BiggerPockets Daily

California is leading a quiet revolution in solving the nation’s housing crisis: backyard tiny homes. In today’s episode, we explore how this homeowner is using an ADU to boost their property value and offset their mortgage costs.

From financing strategies to zoning law workarounds, we’ll dive into the practicalities of building ADUs and how this movement is reshaping housing markets—not just in California but across the country.

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The U.S. real estate market feels “stuck,” with transactions stalling even as interest rates are adjusted. But for savvy investors, waiting isn’t an option. In today’s episode, we explore five actionable strategies to keep your real estate journey moving, even when the market seems frozen. From evaluating and optimizing your portfolio to exploring diversification and managing risk, this episode provides the tools you need to stay ahead. Whether you’re an active buyer, a passive investor, or simply navigating uncertain market conditions, this is your guide to thriving in a challenging real estate landscape. Tune in now!

Keep reading the article here: https://www.biggerpockets.com/blog/how-investors-can-keep-moving-when-the-market-is-stuck

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FHA loans are a game-changer for aspiring homeowners, offering low down payments and lenient credit requirements. But did you know they can also serve as a powerful tool for real estate investors? In today’s episode, we’ll uncover creative strategies for using FHA mortgages to jump-start your investing career. From mid-term rentals and small multifamily properties to flipping with a 203(k) renovation loan, we’ll explore how these government-backed loans can pave the way to financial freedom. Plus, we’ll dive into unique scenarios that might allow you to secure a second FHA loan. Tune in to discover how thinking outside the box can turn FHA loans into your next big opportunity!

Keep reading the article here: https://www.biggerpockets.com/blog/you-can-rent-your-fha-property-short-term-but-with-a-medium-term-timeline

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In today’s episode, we dive into the ripple effects of the Federal Reserve’s recent rate cuts on the mortgage market. Despite a much-anticipated dip in rates, refinancing activity has unexpectedly dropped, leaving many wondering what’s really driving these fluctuations.

From geopolitical tensions to Treasury yields and beyond, we’ll explore the hidden forces shaping mortgage rates and what they mean for homeowners and investors alike. If you’re considering refinancing or just trying to make sense of today’s market, this episode is packed with the insights you need.

Keep reading the article here: https://www.biggerpockets.com/blog/over-six-billion-lost-in-potential-savings-after-mortgage-rates-tick-back-up

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Zillow reported that nationwide active inventory was up 22% year over

year in August, although it remained 31% lower than the pre-pandemic

level of August 2019. Meanwhile, new listings grew slightly monthly and

yearly but were 21% lower than the same month in 2019. 

In a separate report, Zillow reported that unlike at the height of the

rate hikes, when renting was cheaper than buying, the opposite is true

in 22 of the 50 largest U.S. metros. New Orleans, Chicago, and

Pittsburgh offer the most significant savings when comparing the cost of

rent to a mortgage payment, assuming that the buyer purchases

conventionally with a 20% down payment.

Keep reading the article here: https://www.biggerpockets.com/blog/fall-housing-market-outlook

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As interest rates finally start to fall after years of painful hikes, the DSCR (Debt Service Coverage Ratio) loan has made rental property investment attractive once more. But how are DSCR loan interest rates calculated, and what influences the final rate you get quoted? In this episode, we take a deep dive into the DSCR loan process and explain how lenders arrive at those interest rates, from the initial base rate to loan-level pricing adjustments (LLPAs).

We’ll break down the key metrics—LTV ratio, DSCR ratio, credit score, and secondary factors like loan size, property type, and loan purpose. Whether you’re a seasoned investor or new to DSCR loans, you’ll gain insights into how each adjustment moves the rate needle, why lenders bucket metrics like credit scores, and how high LTVs and credit issues affect your cost.

For those aiming to optimize their rates, tune in to learn why a conservative leverage strategy and excellent credit can put you in the best position for favorable financing terms.

Keep reading the article here: https://www.biggerpockets.com/blog/how-do-dscr-lenders-calculate-your-interest-rate

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When you think about short-term rental markets, climate matters—but so do the numbers. In this episode, we dive into the extremes of seasonal and nonseasonal STR markets with a real-life story from Houston to New Hampshire. Why does it matter if you’re in a seasonal hotspot or a steady year-round market? And what are the risks of choosing the wrong one?

We’ll break down top STR markets using tools like AirDNA and the BiggerPockets Market Finder to analyze seasonality, average daily rate (ADR), and occupancy. From the high-revenue potential of football-season towns to the year-round demand in Flagstaff and Shenandoah Valley, find out which markets offer the best balance of returns, affordability, and consistency.

If you’re considering an STR investment, you’ll want to hear how metrics like rent-to-price ratio and affordability percentage can help you pivot, even if regulations shift or demand changes. Whether you’re dreaming of beachside bungalows or cozy cabins, this episode will give you the insights you need to pick a market that aligns with your financial goals.

Keep reading the article here: https://www.biggerpockets.com/blog/best-5-nonseasonal-short-term-rental-markets

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In this episode, we dive into the power of the “Who, Not How” mindset—an approach that’s transformed high achievers and passive investors alike. We’ll compare two real-life stories: two house flippers who bought similar properties, yet one doubled his profit over the other, and two wholesalers with almost identical deals but drastically different results.

The difference? It’s not in how they did it, but who did it. Join us as we unpack the principles from Dan Sullivan and Dr. Benjamin Hardy’s groundbreaking book, Who Not How: The Formula to Achieve Bigger Goals Through Accelerating Teamwork, and explore why passive investors should rethink their approach to real estate. Shifting your focus from “How can I do this?” to “Who can help me achieve this?” may just be the key to unlocking new levels of success, freedom, and wealth.

Listen in to learn why your investment’s success may rest on finding the right “who” and how this shift can elevate your real estate journey beyond traditional strategies.

Keep reading the article here: https://www.biggerpockets.com/blog/the-3-letter-word-that-can-supercharge-your-career-and-investments

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Nearly every day, there’s a new article on emerging real estate markets,

boomtowns, or the next hottest metro for investors. It can be confusing

and overwhelming trying to figure out which one is right for you.

Most articles you see online touting the next best real estate market

are usually speaking to homebuyers, not investors. Keep that in mind

when perusing those articles.

Before diving in to study all the data on different markets, first

determine what you want the market to do for you. Real estate investing

encompasses many varying asset classes and business models. A

single-family home investor may be looking for something different from a

storage operator, and a multifamily operator may need different metrics

than an industrial real estate company.

Keep reading the article here: https://www.biggerpockets.com/blog/tips-to-help-you-find-the-right-real-estate-market

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Are you worried about your local rental market cooling off, fearing that you will have a property sit on the market for too long? Well, chances are you are priced too high, and offering rent concessions as a private landlord will not be able to help you speed up the application and leasing process. 

Though rent growth is only slightly softer than last year, far more property managers are offering short-term perks. According to a July rental market report by Zillow, one-third of property managers are offering concessions as the rental market cools.

Keep reading the article here: https://www.biggerpockets.com/blog/private-landlords-should-never-offer-concessions

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