{"id":144776,"date":"2022-09-20T10:25:18","date_gmt":"2022-09-20T16:25:18","guid":{"rendered":"https:\/\/www.biggerpockets.com\/blog\/?p=144776"},"modified":"2023-08-08T15:30:13","modified_gmt":"2023-08-08T21:30:13","slug":"house-before-spouse","status":"publish","type":"post","link":"https:\/\/www.biggerpockets.com\/blog\/house-before-spouse","title":{"rendered":"House Before Spouse: Single Women Are Buying More Homes Now Than Ever"},"content":{"rendered":"\n\n      <iframe loading=\"lazy\" frameborder=\"0\" height=\"200\" scrolling=\"no\" src=\"https:\/\/playlist.megaphone.fm?e=BIGPOC6561958332&#038;light=false\" width=\"100%\"><\/iframe>  \n\n\n\n\n<p><span data-preserver-spaces=\"true\">A new trend in home buying shows women are ditching the traditional custom that <a href=\"https:\/\/www.bankrate.com\/mortgages\/single-women-pursue-homeownership\/\" target=\"_blank\" rel=\"noreferrer noopener\">marriage should precede homeownership<\/a>.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">According to the National Association of Realtors, in 2021, single women made up&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.nar.realtor\/women-home-buyers\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">19% of homebuyers<\/span><\/a><span data-preserver-spaces=\"true\">, while single men accounted for only 9% of homebuyers. Since 2010, there has been a&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/sf.freddiemac.com\/articles\/insights\/single-women-are-the-fastest-growing-segment-of-homebuyers-so-why-do-so-many-of-them-still-feel-homeownership-is-out-of-reach\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">30% increase<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;in the number of single women purchasing homes.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">The trend is encouraging not only in terms of women\u2019s increasing financial independence but also because it may chip away at the gender wealth gap, given homeownership\u2019s role in wealth building.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">But women still face challenges with real estate investing. They\u2019ve come a long way from being deemed subordinate to their husbands, but they still earn less income and lag behind men in terms of&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.tiaainstitute.org\/about\/news\/financial-literacy-and-wellness-among-us-women-gender-gap\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">financial literacy<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;and confidence in the home buying process. Fortunately, robust resources are available to women who want to become homeowners and real estate investors.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Single Women Value Homeownership<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">According to a recent&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/about.bankofamerica.com\/content\/dam\/about\/pdfs\/homebuyer-insights-report-single-Women-spotlight.pdf\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Bank of America study<\/span><\/a><span data-preserver-spaces=\"true\">, a whopping 92% of women agree that buying a home is a great accomplishment, and 87% believe they don\u2019t need to be married to pursue homeownership. In fact, 65% of single women would rather buy a home while single than wait for the right partner.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">The study also found that single women value homeownership as a major milestone and point of pride, even more so than men. While only 35% of single men reported feeling proud to tell others the news about their new home, 46% of single women homeowners were excited to tell others they bought a house. And 60% of single women shopping for real estate say homeownership will mean they\u2019ve \u201cmade it,\u201d compared to 52% of single men.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">It\u2019s smart to value homeownership\u2014it\u2019s the primary source of wealth for American families. The National Association of Realtors&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.nar.realtor\/blogs\/economists-outlook\/single-family-homeowners-typically-accumulated-225K-in-housing-wealth-over-10-years\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">estimates<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;that a homebuyer purchasing a single-family home at the median sales price 10 years ago could earn $225,000 by selling that home at the median sales price today. Of course, strategically investing in real estate can yield even greater returns.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">But there are greater obstacles to homeownership for women than for men. 74% of single women are waiting to feel more financially stable before purchasing a home, but achieving financial stability comes with challenges.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Women Face Barriers to Homeownership<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">For many years,&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.urban.org\/sites\/default\/files\/publication\/84206\/2000930-Women-Are-Better-Than-Men-At-Paying-Their-Mortgages.pdf\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">research has shown<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;that women pay higher mortgage rates than men. The most recent&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.housingwire.com\/articles\/women-pay-higher-mortgage-rates-in-49-states\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">analysis<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;of data made available through the Home Mortgage Disclosure Act revealed that women get stuck with higher mortgage rates in 49 states. For example, in Mississippi, single women paid an average rate of 3.47% for a 30-year, fixed-rate mortgage in 2019, compared to the average rate of 3.37% paid by single men.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">While it seems small, the higher rate would result in about $7,000 extra in mortgage payments over a 30-year period. Considering that women already earn less than men based on several studies on&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.census.gov\/library\/stories\/2022\/03\/what-is-the-gender-wage-gap-in-your-state.html#:~:text=In%202020%2C%20women%20earned%2083,gap%20is%20narrowing%20but%20continues.\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">gender pay gaps<\/span><\/a><span data-preserver-spaces=\"true\">, the rate difference exacerbates financial inequality between the genders.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">It\u2019s difficult to pinpoint whether mortgage lending discrimination contributes to the difference since several other factors are at play. Most of the discrepancy can be explained by women\u2019s lower incomes, their historical lack of confidence in the home buying process, and the way they shop for mortgages. The good news is that women have access to resources that can mitigate some of these factors.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Gender Wage Gap<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">While the wage gap has shrunk significantly since women entered the workforce, women still earned&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.bls.gov\/opub\/ted\/2022\/median-earnings-for-women-in-2021-were-83-1-percent-of-the-median-for-men.htm\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">17% less<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;than men on average in 2021.&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.americanprogress.org\/article\/explaining-the-gender-wage-gap\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Much of the gap is due<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;to the occupations women choose and differences in hours that occur because women often take on family caregiving duties.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">But the gender wage gap can\u2019t entirely be explained by these factors. About 41% of the gender pay gap is due to factors we can\u2019t quantify. In&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/blog.dol.gov\/2021\/03\/19\/5-facts-about-the-state-of-the-gender-pay-gap\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">almost every industry<\/span><\/a><span data-preserver-spaces=\"true\">, women earn less than men, even when accounting for education and experience. Some experts contend that some discrimination is likely, even if it\u2019s unintentional, but once again, it is very difficult to prove.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Income is the main determining factor in qualifying for a mortgage, so it\u2019s a big reason why women are&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.urban.org\/urban-wire\/were-still-shortchanging-women-when-it-comes-mortgages\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">denied mortgages at higher rates<\/span><\/a><span data-preserver-spaces=\"true\">. Also, a higher debt-to-income ratio can result in higher mortgage rates, putting women at a disadvantage when buying a home.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Home Buying Confidence Gap<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">According to data from&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/sf.freddiemac.com\/articles\/insights\/single-women-are-the-fastest-growing-segment-of-homebuyers-so-why-do-so-many-of-them-still-feel-homeownership-is-out-of-reach\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Freddie Mac<\/span><\/a><span data-preserver-spaces=\"true\">, almost 60% of single, head-of-household women renters believe homeownership will never be possible. And fewer than half feel confident in their knowledge of the home buying process, including understanding the types of mortgages and how to evaluate interest rates and terms.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">63% of women report not knowing how to start the process, while 55% say they don\u2019t know anyone who can help. Three-quarters of women also believe that a mortgage would be more costly than renting, even though mortgages are&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.attomdata.com\/news\/market-trends\/home-sales-prices\/attom-2022-rental-affordability-report\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">more affordable than rents<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;in most housing markets in the U.S.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Single women can take steps to develop a better understanding of homebuying, and demystifying the process can go a long way in increasing women\u2019s confidence. A variety of resources for women homebuyers and investors are available online, and women can access a particularly robust set of educational materials through BiggerPockets\u2019&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/investher\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">InvestHER<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;community.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Financial Literacy Gap<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Issues with women\u2019s confidence in the home buying process are exacerbated by the financial literacy gap between genders. Women tend to lag behind men in their financial knowledge, in general, and with regard to mortgages. There\u2019s a cultural explanation for this\u2014<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.pewresearch.org\/fact-tank\/2017\/09\/20\/americans-see-men-as-the-financial-providers-even-as-womens-contributions-grow\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">more people<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;believe it\u2019s important for men to be providers than women, and men&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.ncbi.nlm.nih.gov\/pmc\/articles\/PMC3462438\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">more often<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;make financial decisions for the household, which builds their financial knowledge. Studies have also shown&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.fastcompany.com\/90283344\/how-parents-talk-about-money-differently-to-their-sons-and-daughters\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">differences<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;in how parents talk to their sons and daughters about finances.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">The financial literacy gap is reflected in women\u2019s self-assessment of their mortgage knowledge. Only 21% of women first-time homebuyers report feeling very familiar with available mortgage types, compared to 27% of men buying homes for the first time, according to a LendingTree&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.lendingtree.com\/home\/mortgage\/mortgage-knowledge-gender-gap\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">study<\/span><\/a><span data-preserver-spaces=\"true\">. And just 28% of women first-time homebuyers say they\u2019re very familiar with the current mortgage rates, as opposed to 37% of men.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">But the difference that is costing women the most is that they tend to be less likely to shop around. 21% of women apply to multiple lenders, compared to 23% of men. LendingTree estimates that skipping the rate comparison process could be costing women $1 billion every year.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">That\u2019s not counting the higher rates women already pay on the mortgages they do apply for, which may be caused by weaker credit characteristics.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Credit Challenges<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Are women\u2019s credit profiles less attractive to lenders? It\u2019s difficult to say with accuracy. Thanks to the Equal Credit Opportunity Act, credit reports aren\u2019t attached to demographic characteristics, so data about gender and credit history don\u2019t typically come from the same sources. Analysts have imperfect data to work with when determining disparities in credit scores.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">That\u2019s likely why the credit bureau, Experian, has found going back several years that women have about the&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/women-and-credit\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">same average credit scores<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;as men, while other studies have shown different results. It\u2019s also possible the credit score gap is concentrated in the young, single population, which is the segment of homebuyers we\u2019re concerned with. For example, a 2018&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.federalreserve.gov\/econres\/notes\/feds-notes\/gender-related-differences-in-credit-use-and-credit-scores-20180622.html\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">report<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;from the Federal Reserve showed that single women under 40 have somewhat lower credit scores than demographically similar single men.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">In any case, a 2016 Urban Institute&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.urban.org\/sites\/default\/files\/publication\/84206\/2000930-Women-Are-Better-Than-Men-At-Paying-Their-Mortgages.pdf\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">study<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;found that a higher percentage of mortgages taken out by single women are subprime, and women both pay higher mortgage rates and face higher denial rates than men. Yet women are better at keeping up with their mortgage payments than men. With all other credit characteristics held constant, single-women borrowers are less likely to default than single men. Credit scores are therefore flawed as predictors of responsible payment behavior, and women are shouldering the negative impact of that fact.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Why Women Should Invest in Real Estate<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">Women may lag behind men in financial literacy, but they\u2019re savvier than they think when making financial decisions. Though they have more self-doubt than men, they\u2019ve proven to be&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.cnbc.com\/2021\/10\/27\/why-women-get-better-returns-on-their-investments-than-men.html\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">very good at investing<\/span><\/a><span data-preserver-spaces=\"true\">, and they&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.magnifymoney.com\/banking\/savings-by-gender\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">save a higher percentage<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;of their earnings than men. The diligence and consistency with which women manage their finances set them up to be successful real estate investors.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Research shows women are also&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.pnas.org\/doi\/10.1073\/pnas.0907352106\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">more risk-averse<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;than men when it comes to making financial decisions. The best way to deal with risk aversion isn\u2019t to avoid investing, since that comes with its own risks, but rather to diversify your portfolio of investments. Real estate investments, whether passive or active, can be an excellent way to provide diversification. During most market downturns, real estate prices have held steady or continued to appreciate.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">For women who feel discouraged, just acknowledging the confidence gap in the homebuying process can help to shrink it. Self-education can go even further in helping women feel prepared to begin the home buying process.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">If you\u2019re looking for a place to start, join the&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.therealestateinvesther.com\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">InvestHER community<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;to learn from other women real estate investors who are already making it work. You\u2019ll find blog articles and podcasts you can explore on your own time, as well as live webinars and in-person events. The sooner you begin your real estate investing journey, the longer you\u2019ll have the chance to build wealth. Let\u2019s shrink the gender wealth gap together, one woman real estate investor at a time.<\/span><\/p>\n\n\n\n<div id=\"hero-block_62df1a82bfc88\" class=\"first:mt-0 hero-block py-4    has-background has-slate-200-background-color has-text-color has-theme-gold-color\">\n    <div\n        class=\" flex flex-wrap lg:flex-nowrap max-w-screen-xl mx-auto px-4 relative lg:items-center \">\n\n        <div class=\"relative z-30 w-full \">\n            <main class=\"py-4\">\n                \n\n<p class=\"has-slate-800-color has-text-color has-large-font-size\" style=\"font-style:normal;font-weight:800\">The Real Estate InvestHER Show<\/p>\n\n\n\n<p class=\"my-3 md:my-5 lg:my-8 has-slate-900-color has-text-color\" style=\"font-size:16px\">The Real Estate InvestHER Show delivers straight talk and inspiration for current and aspiring investors to live both balanced and financially free lives. Co-hosts, Liz Faircloth and Andresa Guidelli, bring on rockstar women investors who open up their lives and share practical tools for investing, running businesses, and taking care of their families &#8211; and themselves.  <\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size is-style-theme\" style=\"font-size:16px\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.biggerpockets.com\/blog\/investher\" target=\"_blank\" rel=\"noreferrer noopener\">Subscribe<\/a><\/div>\n<\/div>\n\n            <\/main>\n        <\/div>\n\n                <div class=\" first:mt-0 relative h-full lg:flex lg:items-center\">\n            <img decoding=\"async\" class=\"object-cover w-full relative z-20 my-0  shadow-xl rounded-md hidden lg:block\" src=\"https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2021\/07\/InvestHER-Logo-BP-Black-e1660862488481.png\" alt=\"investher-podcast\" title=\"\">\n        <\/div>\n            <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>A new trend in home buying shows women are ditching the traditional custom that marriage should precede homeownership.&nbsp; According to the National Association of Realtors, in 2021, single women made [&hellip;]<\/p>\n","protected":false},"author":613615,"featured_media":144779,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5528,7119],"tags":[],"class_list":["post-144776","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-news","category-biggerpockets-daily"],"acf":[],"comment_count":0,"_links":{"self":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/144776","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/users\/613615"}],"replies":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/comments?post=144776"}],"version-history":[{"count":0,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/144776\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media\/144779"}],"wp:attachment":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media?parent=144776"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/categories?post=144776"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/tags?post=144776"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}