Episodios

  • Americans Are Late on Their Mortgages: Why I’m NOT Worried About THAT Chart

    Americans Are Late on Their Mortgages: Why I’m NOT Worried About THAT Chart
    Apr 3 2025
    Mortgage delinquencies are up…or are they? One chart that’s been circulating on social media would have you believe that a growing number of homeowners are on the brink of foreclosure, driving us toward another 2008-style collapse. Is the panic justified or unfounded? We’ll dig into the data in today’s episode! A Freddie Mac chart has been doing the rounds recently, showing a massive jump in delinquencies, but what the data really reveals is a spike in another type of real estate delinquency—a trend that should come as no surprise, given how rising interest rates impact adjustable-rate loans. But what about residential real estate? Are regular homeowners now suddenly missing mortgage payments to 2008 levels? There’s no denying that we’re entering a buyer’s market. While a 2008-style housing market crash is unlikely, inventory is growing, and home prices could decline another 2%-3%. Whether you’re a regular homebuyer or real estate investor, this means you have an unusual amount of negotiating leverage. We’ll share a strategy you can use to insulate yourself from a potential dip and capitalize on an eventual surge in home prices! In This Episode We Cover How mortgage delinquency rates impact the housing market overall Why real estate is historically less volatile than stocks and other markets The “canary in the coal mine” that could signal trouble for the housing industry Why we’re seeing an (expected) surge in these mortgage delinquencies Taking advantage of a buyer’s market and a potential “dip” in home prices And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Sign Up for the On the Market Newsletter Find Investor-Friendly Lenders Over 6 Million Americans Are Late on Their Mortgage Payments—Here’s What It Means for Investors Dave's BiggerPockets Profile Grab the Book, “Recession-Proof Real Estate Investing” Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/on-the-market-309 Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
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    30 m
  • Housing Market Shift: Inventory Catapults Back, Buying Opportunities Grow

    Housing Market Shift: Inventory Catapults Back, Buying Opportunities Grow
    Mar 31 2025
    Home prices are falling fast in some prime real estate markets across the country while others remain stubbornly stuck. What’s the defining factor between a stable housing market and one where sellers are actively cutting prices? Housing inventory! This metric defined the 2020 - 2022 run-up in home prices, but the rubber band of demand is snapping back as buyer power grows, housing inventory rises, and investors get even better buying opportunities. Remember when people said, “I’ll buy when prices drop”? Well, now might be the time. ResiClub’s Lance Lambert joins us to provide a holistic view of housing inventory, prices, demand, and emerging opportunities. Lance walks through the most up-to-date data on where housing inventory is rising fast, where prices are quickly declining, and which markets are holding on as sellers remain in control. We’ll also talk about why homebuilding costs are about to JUMP and the reason Warren Buffett sold his homebuilding stocks shortly after buying them. Will construction slow down, limiting new inventory and leading us back into ultra-low supply? If so, this could push home prices higher, creating a prime opportunity for real estate investors. In This Episode We Cover US real estate markets seeing the most and least new inventory, and where prices are falling Is spiking inventory a worrying sign for the housing market, or are we merely normalizing? What to look at in your housing market to forecast whether prices will rise or fall Why are homebuilding costs about to JUMP, and could this lead to even more inventory problems? The new housing trend: Older renters, but could this mean more demand for rentals? And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Sign Up for the On the Market Newsletter Find an Investor-Friendly Agent in Your Area Dave's BiggerPockets Profile ResiClub: The cost breakdown for constructing a single-family home in 2024 ResiClub: Did Warren Buffett see this coming? Homebuilder margins face pressure in 2025 ResiClub: The vanishing young homebuyer: Median first-time homebuyer age jumps from 28 in 1991 to 38 in 2024 Inventory Is Key to a Stable Real Estate Market—Will It Recover? Join Lance’s Newsletter Grab Dave’s Book, “Real Estate by the Numbers” Jump to topic: (0:00) Intro (1:27) Hottest and Coldest Markets (8:00) Should We Be Worried? (11:00) Where Prices Are Dropping (14:54) What to Look For In YOUR Market (17:39) Homebuilding Costs To JUMP (21:48) Developer Profits Shrink (24:11) Older Renters, Better for Investors Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/on-the-market-308 Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
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    37 m
  • Florida Pushes to Abolish Property Taxes, These States Could Follow Soon

    Florida Pushes to Abolish Property Taxes, These States Could Follow Soon
    Mar 27 2025
    Florida property taxes could drop to 0%. As the state struggles with some of the lowest affordability in the country, with home insurance almost doubling in five years and home prices increasing by more than 50% compared to pre-pandemic pricing, Floridian homeowners have seen their housing costs explode. So, what if they could save thousands of dollars a year by ditching property taxes? If Florida makes it work, this could open up the floodgates for many other states to pass similar bills. But WILL it work? A significant amount of Florida’s tax revenue comes from property taxes, so will they be efficient enough to work with a tighter budget, or will infrastructure break down due to the massive loss in government funding? And, if property taxes are eliminated, boosting affordability, could buyer demand surge as well? We ran the numbers, and the potential savings on housing costs are substantial. If Florida proves a successful 0% property tax test case, other states (including yours) could be next. In This Episode We Cover Florida’s new legislative push to abolish or reduce property taxes for homeowners How much homeowners would save every month if their property taxes were eliminated Can Florida afford to ban property taxes, and which services would be compromised if they did? States that are most likely to eliminate property taxes if Florida succeeds Serious side effects of eliminating property taxes and who pays the price And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Sign Up for the On the Market Newsletter Find an Investor-Friendly Agent in Your Area How You Can Legally Minimize Rental Property Taxes as Much as Possible Dave's BiggerPockets Profile Sources of State and Local Tax Collections Know Your Numbers BEFORE You Buy with “Real Estate by the Numbers” Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/on-the-market-307 Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
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    31 m
  • Buyers Return as Lower Rates Hold, Trump Trades Federal Land for BIG Housing Bet

    Buyers Return as Lower Rates Hold, Trump Trades Federal Land for BIG Housing Bet
    Mar 24 2025
    Buyers are finally funneling back to the housing market thanks to recently lower mortgage rates. But, we’ve still got a BIG housing problem to fix—undersupply. What’s President Trump’s plan to put more houses on the map? Freedom cities! By turning federal lands into high-tech hubs for workers, we may be able to solve our housing shortage. Is this possible, or are “freedom cities” just a far-off developer dream? We’re getting into this headline and all the others filling your newsfeed in today’s episode! Home prices are about to PLUMMET…says one article for a select few property types. While much of this might be clickbait, James does think it’s time to scoop up some sweet property deals on second homes in hot vacation markets. With good value, economic weakness putting pressure on sellers, and long-term upside, this could be a solid move to make! Want to pay even LESS to a real estate agent? That’s what everyone says, but it doesn’t seem like that’s what everyone wants as Redfin gets bought out by Rocket Companies. Is the low-cost real estate agent model finally about to bite the dust, or could Rocket turn things around, bringing buyers a whole new suite of low-cost services? Stick around; we’re sharing our thoughts! In This Episode We Cover Trump’s plan to trade federal lands for “freedom cities” that could increase housing inventory Fed rate cut update: Should we still expect rate cuts sometime in 2025? Great news for real estate agents and lenders as sales accelerate thanks to lower interest rates One type of rental property that could be a killer deal in 2025 (in SOME markets) The end (or beginning) of Redfin as Rocket Companies buys out the low-cost-agent brokerage And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Sign Up for the On the Market Newsletter Find an Investor-Friendly Agent in Your Area Dave's BiggerPockets Profile Henry's BiggerPockets Profile James' BiggerPockets Profile Kathy's BiggerPockets Profile On The Market 300 - Mortgage Rates Hit 2025 Low as Recession Fears Rise What Is Trump's New Affordable Housing Plan for Federal Lands? Existing-Home Sales Accelerated 4.2% in February 5 Types of Homes Expected To Plummet in Value by the End of 2025 What went wrong at Redfin? Grab Dave’s Newest Book, “Start with Strategy” Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/on-the-market-306 Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
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    32 m
  • 100% Bonus Depreciation Could Return This Year: 2025 Tax Update

    100% Bonus Depreciation Could Return This Year: 2025 Tax Update
    Mar 20 2025
    Real estate is one of the most tax-advantaged investments in the country. With bonus depreciation, opportunity zone investing, 1031 exchanges, and more, investing in real estate is not only the best way to build wealth—it’s the key to tax-free (or deferred) wealth. So, with a Republican-controlled House and Senate, will new tax proposals favoring real estate investments pass? We’ve got some news that could make 2025 a “game-changer” year for real estate investors. CPA Brandon Hall joins us to break it down. With numerous proposals floated to restore 100% bonus depreciation, extend opportunity zone investments, and eliminate taxes on tips, overtime, and Social Security, 2025’s tax laws could look very different if these changes pass. Plus, there’s one huge real estate tax write-off you’re (probably) not taking advantage of. Brandon shares how investors can write off even more during rehabs and renovations, using a specific tax deduction most investors have never heard of. Find investor-friendly tax and financial experts with BiggerPockets Tax & Financial Services Finder! In This Episode We Cover 100% bonus depreciation—is it coming back, and when could it go into effect? The most commonly missed real estate tax write-off you MUST know about Tax-free income sources and which types of income could dodge Uncle Sam’s grip Opportunity zone updates and whether this tax-deferred investment will be renewed Still doing your taxes? Tell your CPA this BEFORE you file And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Sign Up for the On the Market Newsletter Find Investor-friendly Tax and Financial Experts Dave's BiggerPockets Profile What Is Bonus Depreciation And How Does It Work? Brandon's BiggerPockets Profile Work with Brandon’s Team Top 2025 Tax Strategies For Real Estate Investors Buy “The Book on Tax Strategies for the Savvy Real Estate Investor” Jump to topic: (00:00) - Intro (01:14) - Bonus Depreciation Update (08:53) - A Massive Missed Deduction (12:54) - Tell Your CPA This (14:29) - Tax Cuts Get Extended? (18:58) - New Tax Proposals (20:41) - Renewing Opportunity Zones (23:04) - When Bonus Depreciation Could Return Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/on-the-market-305 Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
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    30 m
  • Stocks Tank as Recession Threat Grows, but Real Estate HASN’T Cracked

    Stocks Tank as Recession Threat Grows, but Real Estate HASN’T Cracked
    Mar 17 2025
    Stocks are struggling, recession fears are ramping up, and investors are starting to worry. The stock market has been falling for weeks, major indexes are down, and new (rapidly changing) tariffs are only making things worse. But what does this actually mean for your investments? Is this just a stock market correction, or could real estate soon suffer the same fate? Today, we’re breaking down what’s going on in the US economy: why stocks are tanking, how the housing market could react, and what smart investors are doing right now. Should you sell, hold, or shift your stocks into real estate? Dave shares a big move he just made with his own portfolio and why he’s rethinking his investment strategy heading into a potential recession. With so much uncertainty, you need to know what actually matters (and what doesn’t) for your portfolio. Will falling stock prices inadvertently trigger a real estate boom? Could lower inflation and interest rate cuts save the market? And most importantly—what should you do next? We can’t give you financial advice, but Dave is sharing what he’s doing with his money in this episode. In This Episode We Cover Why the stock market is sliding and whether a recession is next The psychological impact of new tariffs on the economy (and YOUR investments) The almost unbelievable (and borderline frightening) metric about consumer spending Why Dave sold a sizable chunk of his stock portfolio (and where that money is going) How a stock market correction could shake up the housing market What lower inflation and possible rate cuts could mean for real estate The key economic signals you NEED to watch over the next few months And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Sign Up for the On the Market Newsletter Find Investor-Friendly Lenders Dave's BiggerPockets Profile Stock Market Volatility Makes Real Estate Look a Whole Lot Better Invest in Any Market Cycle with “Recession-Proof Real Estate Investing” Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/on-the-market-304 Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
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    32 m
  • Is the Mortgage Industry Safe with CFPB Under Fire?

    Is the Mortgage Industry Safe with CFPB Under Fire?
    Mar 13 2025
    Is the mortgage industry still safe? The Consumer Financial Protection Bureau (CFPB) has been ordered to halt all work while awaiting a new Trump-appointed director. While you may not often hear about this government agency, the CFPB plays a huge role in the mortgage industry and is the reason 2008-style lending practices have not been brought back to the market. With uncertainty surrounding the CFPB—will it be downsized, shut down, or remain unchanged?—many in the mortgage and real estate industries are concerned about what’s next. Chris Willis, host of The Consumer Finance Podcast, joins the show to share how the Trump administration is thinking of restructuring the CFPB and limiting the scope of its protections. Will the new CFPB director scale back some of the more inclusive mortgage lending practices or keep them the same? Could your bank account and credit card fees change due to a less strict CFPB directive, and what does this mean for YOU getting your next mortgage? This agency has bigger effects than many Americans realize, so we’re sharing what’s coming next. In This Episode We Cover The Consumer Financial Protection Bureau (CFPB) explained, what they do, and how they influence mortgage lending Why the Trump administration is taking aim at this agency and halting work The one piece of legislation protecting strict mortgage laws in America (could it be changed?) The difference between Biden-led and Trump-led CFPB initiatives How the CFPB affects your mortgages, credit cards, and bank accounts And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Sign Up for the On the Market Newsletter Find Investor-Friendly Lenders Dave's BiggerPockets Profile On The Market 300 - Mortgage Rates Hit 2025 Low as Recession Fears Rise The Consumer Finance Podcast Grab Dave’s Newest Book, “Start with Strategy” Jump to topic: (00:00) Intro (00:41) The CFPB Explained (04:52) Taking Massive Financial Action (07:48) How the CFPB Affects Mortgages (09:57) Will Trump Administration End It? (15:35) Scaling Back the CFPB (16:49) These Changes Affect Americans (20:06) What Investors Must Watch Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/on-the-market-303 Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
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    31 m
  • Tariff Talks Put the Housing Market on Ice: Prices Down, Delinquencies Up

    Tariff Talks Put the Housing Market on Ice: Prices Down, Delinquencies Up
    Mar 10 2025
    Mortgage rates are down, so the housing market should be entering a frenzy…right? Not quite. The buyer’s market seems alive and well, with sellers offering concessions as the housing market visibly “slows.” What’s causing it? New inventory hitting the market? Tariff talks leading to higher housing costs? We’re getting into it all in this episode as we hit on four of last week’s top headlines. First, how much will a new home cost now that tariffs are in place? With lumber, labor, and material prices all rising, there could be a five-figure added cost per home for homebuilders, making it even more expensive for buyers. Will labor costs continue to rise in 2025 after years of solid growth, or will renovators and flippers finally get relief? The housing market is slowing down even as we get closer to the spring homebuying season. Home prices are DOWN year-over-year, but one caveat makes this a half-truth. With more inventory hitting the market, buyers could have their pick! And that inventory could grow even greater as mortgage delinquencies start to rise—should we begin to worry? Enough speculation; let’s get into it! In This Episode We Cover How much more a new home will cost with the 2025 tariffs now put in place A worrying statistic about mortgage delinquencies investors must pay attention to Labor and material cost predictions for 2025: Can they keep rising? Updated housing inventory metrics and why sellers are struggling, ready to give concessions Why Henry really needs a hug this week And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Sign Up for the On the Market Newsletter Find Investor-Friendly Lenders Dave's BiggerPockets Profile Henry's BiggerPockets Profile James' BiggerPockets Profile Kathy's BiggerPockets Profile On The Market 301 - Mortgage Rates Fall EVEN Further as “Tariff Tuesday” Triggers Stock Sell-Off Here’s how tariffs will hit the U.S. housing market Construction Industry Cost Insights for Q1 2025 Realtor’s February 2025 Monthly Housing Market Trends Report Mortgage Delinquencies Increase in the Fourth Quarter of 2024 Case-Shiller Index Grab Henry’s Book, “Real Estate Deal Maker” Jump to topic: (00:00) Henry Needs a Hug (02:23) Homes Could Cost $10K More (08:04) Construction Prices Rise (11:36) The Market SLOWS Down (19:55) Mortgage Delinquencies Are UP Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/on-the-market-302 Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
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    31 m