{"id":186362,"date":"2025-12-26T07:04:45","date_gmt":"2025-12-26T14:04:45","guid":{"rendered":"https:\/\/www.biggerpockets.com\/blog\/?p=186362"},"modified":"2026-01-05T07:06:34","modified_gmt":"2026-01-05T14:06:34","slug":"bank-owned-properties-rise-25-percent-year-over-year-what-this-reo-surge-means-for-real-estate-investors","status":"publish","type":"post","link":"https:\/\/www.biggerpockets.com\/blog\/bank-owned-properties-rise-25-percent-year-over-year-what-this-reo-surge-means-for-real-estate-investors","title":{"rendered":"Bank-Owned Properties Rise 25.7% Year-Over-Year\u2014What This REO Surge Means For Real Estate Investors"},"content":{"rendered":"\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"November Distressed Properties: How Foreclosure Data Can Inform Your Real Estate Investing Strategy\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/WmybkN7mFME?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">When a property reaches the REO stage\u2014Real Estate Owned\u2014it signals the final step of the foreclosure cycle. The homeowner is out, the auction has been completed (often unsuccessfully), and the lender now holds title.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">For investors, the REO category can represent a unique opportunity: properties priced below market value, homes <\/span><span data-preserver-spaces=\"true\">needing<\/span><span data-preserver-spaces=\"true\"> renovation, and inventory that banks often prefer to liquidate efficiently.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">November\u2019s REO data reveals a continued rise in completed foreclosures compared to last year, even as early-stage filings pulled back. That combination\u2014fewer new filings, more completed cases\u2014is a hallmark of a maturing foreclosure pipeline. It means the early distress we saw in spring and summer 2025 is now materializing into real, actionable inventory.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">This month, the numbers also revealed fascinating regional and county-level differences. Some states saw REOs surge sharply, others cooled, and several counties experienced dramatic shifts in how quickly properties moved from auction to bank-owned status.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">If you\u2019re an investor looking to understand where real distressed inventory is emerging\u2014and how to position your strategy\u2014November\u2019s REO story is essential reading.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">National REO Activity Climbs Again<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">In November 2025, the U.S. recorded 3,884 REOs (bank-owned properties), down just 0.15% month over month, and up 25.74% year over year.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">This slight monthly dip is negligible\u2014REO activity remains substantially higher than one year ago. Nationwide, more properties are completing the foreclosure process and returning to lenders\u2019 inventories.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Remember: REOs lag Starts and Notice of Sale by several months. So this year-over-year jump reflects the elevated Starts we tracked throughout 2025, especially in fast-moving states like Texas and judicial states like Florida and Ohio.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">State-Level Breakdown: A Tale of Diverging Markets<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Let\u2019s take a look at the five core states driving national REO activity.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">1. Florida<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">311 REOs<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">+27.98% MoM<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">+132.09% YoY<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Florida saw one of the most dramatic increases nationally. Even with a steep decline in new filings this month, the state\u2019s backlog of distressed properties continues to clear.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">2. California<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">314 REOs<\/span><\/li>\n\n\n\n<li>&#8211;<span data-preserver-spaces=\"true\">6.55% MoM<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">-21.89% YoY<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">California bucked the national trend, posting both monthly and annual declines. <\/span><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> suggests that, while distress exists, cases here are <\/span><span data-preserver-spaces=\"true\">dragging<\/span><span data-preserver-spaces=\"true\"> longer through the legal process.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">3. Ohio<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">130 REOs<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">+7.44% MoM<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">-11.56% YoY<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Ohio\u2019s REO activity is steady but slightly lower than last year. <\/span><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> reflects a more normalized cycle after elevated filings earlier in the year.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">4. North Carolina<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">122 REOs<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">-20.26% MoM<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">+40.23% YoY<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">North Carolina <\/span><span data-preserver-spaces=\"true\">continues to be<\/span><span data-preserver-spaces=\"true\"> one of the nation\u2019s fastest-moving foreclosure states. <\/span><span data-preserver-spaces=\"true\">Even with a monthly dip, REOs remain <\/span><span data-preserver-spaces=\"true\">far higher than in<\/span><span data-preserver-spaces=\"true\"> 2024.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">5. Texas<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">546 REOs<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">+52.51% MoM<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">+135.34% YoY<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Texas delivered the <\/span><span data-preserver-spaces=\"true\">biggest<\/span><span data-preserver-spaces=\"true\"> REO spike of any <\/span><span data-preserver-spaces=\"true\">major<\/span> <span data-preserver-spaces=\"true\">state\u2014<\/span><span data-preserver-spaces=\"true\">both month over month and year over year. The state\u2019s fast nonjudicial process continues to push properties from Start to auction to REO faster than any judicial state.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Why the REO Stage Matters for Investors<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">For investors, REOs offer a <\/span><span data-preserver-spaces=\"true\">powerful<\/span><span data-preserver-spaces=\"true\"> mix of opportunities and advantages.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">1. Banks become motivated sellers<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">When lenders take possession, maintaining the property becomes an expense<\/span><span data-preserver-spaces=\"true\">, <\/span><span data-preserver-spaces=\"true\">not<\/span><span data-preserver-spaces=\"true\"> an asset.<\/span><span data-preserver-spaces=\"true\"> They often want these properties sold efficiently and may price them below comparable retail listings.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">2. Due diligence is easier than at auction<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Unlike at a courthouse sale:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Investors can inspect the property.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">They can order an appraisal.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Title issues can be addressed<\/span><span data-preserver-spaces=\"true\"> before closing.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Financing\u2014including non-recourse loans inside a self-directed IRA\u2014is possible.<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> makes REOs an accessible entry point for new and experienced investors <\/span><span data-preserver-spaces=\"true\">alike<\/span><span data-preserver-spaces=\"true\">.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">3. REOs reveal the end-point of market distress<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">As REO levels rise, it signals that:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">More homeowners have exited their homes.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">More auctions went unsold.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Lenders are about to release inventory to the public market.<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> can create <\/span><span data-preserver-spaces=\"true\">opportunity<\/span><span data-preserver-spaces=\"true\"> in both acquisition pricing and volume.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">4. IRA and Solo 401(k) investors benefit from timing<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Because REOs move slower than auctions, investors using tax-advantaged retirement accounts can:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Perform deeper due diligence.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Arrange non-recourse financing.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Structure long-term buy-and-hold strategies.<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Compared to the fast pace of trustee sales, REOs fit comfortably within retirement account rules and timelines.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">County-Level REO Insights: Where Distress Is Converting Fastest<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Using Option C (only the most meaningful changes), here are the county-level standouts for November:<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Florida: Gulf Coast and Central Florida lead REO growth<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><span data-preserver-spaces=\"true\">Lee County <\/span><\/strong><span data-preserver-spaces=\"true\">saw one of the <\/span><span data-preserver-spaces=\"true\">largest<\/span><span data-preserver-spaces=\"true\"> MoM REO increases in the state.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Orange County (Orlando)<\/span><\/strong><span data-preserver-spaces=\"true\"> also posted a meaningful rise, indicating steady conversion from earlier filings.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Miami-Dade and Broward <\/span><\/strong><span data-preserver-spaces=\"true\">stayed elevated, but moved more modestly this month.<\/span><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Investor insight<\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Florida\u2019s REO growth is real\u2014and geographically diverse. Expect new inventory across both coasts heading into 2026.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">California: Inland Empire slows, LA stabilizes<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">REO declines this month were driven by:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><span data-preserver-spaces=\"true\">San Bernardino:<\/span><\/strong><span data-preserver-spaces=\"true\"> One of the sharpest MoM pullbacks<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Riverside: <\/span><\/strong><span data-preserver-spaces=\"true\">Slowing REO conversion despite persistent distress<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Los Angeles: <\/span><\/strong><span data-preserver-spaces=\"true\">Stabilized, showing neither a surge nor collapse<\/span><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Investor insight<\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">California\u2019s REOs are cooling, suggesting longer foreclosure timelines and fewer quick-turn opportunities.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Ohio: Columbus and Cincinnati shift<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><span data-preserver-spaces=\"true\">Franklin County (Columbus)<\/span><\/strong><span data-preserver-spaces=\"true\"> posted a surprise increase\u2014one of the few counties to rise this month.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Cuyahoga County (Cleveland)<\/span><\/strong><span data-preserver-spaces=\"true\"> dropped, reflecting fewer auctions converting to REO.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Hamilton County (Cincinnati)<\/span><\/strong><span data-preserver-spaces=\"true\"> remained steady.<\/span><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Investor insight<\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Columbus continues to emerge as Ohio\u2019s most dynamic foreclosure market.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">North Carolina: Volatility across major metros<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><span data-preserver-spaces=\"true\">Mecklenburg County (Charlotte)<\/span><\/strong><span data-preserver-spaces=\"true\"> saw a meaningful MoM <\/span><span data-preserver-spaces=\"true\">REO decline<\/span><span data-preserver-spaces=\"true\">.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Wake County (Raleigh)<\/span><\/strong><span data-preserver-spaces=\"true\"> followed the same pattern.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Cumberland County (Fayetteville)<\/span><\/strong><span data-preserver-spaces=\"true\"> experienced the steepest drop.<\/span><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Investor insight<\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">North Carolina is still growing YoY, but November marks <\/span><span data-preserver-spaces=\"true\">a clear<\/span><span data-preserver-spaces=\"true\"> slowdown in REO conversion.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Texas: The biggest REO story in America<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Texas delivered one of the most dramatic county-level stories of the month:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><span data-preserver-spaces=\"true\">Harris County (Houston) <\/span><\/strong><span data-preserver-spaces=\"true\">saw REO volume surge sharply MoM.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Dallas and Tarrant Counties (DFW)<\/span><\/strong><span data-preserver-spaces=\"true\"> also reported substantial increases.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Bexar County (San Antonio) <\/span><\/strong><span data-preserver-spaces=\"true\">posted a <\/span><span data-preserver-spaces=\"true\">strong<\/span><span data-preserver-spaces=\"true\"> jump, consistent with its rising auction activity.<\/span><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Investor insight<\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Texas continues to convert distress into REO at record speed\u2014ideal for investors seeking bank-owned opportunities.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">How Investors Can Use REO Data to Advance Their Strategy<\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">1. Identify markets where inventory is increasing<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Rising REOs often lead to:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">More distressed listings.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Increased negotiation leverage.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Expanded buying opportunities.<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">2. Target counties where conversion is fastest<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Counties with rapid Start &gt; NOS &gt; REO progression are ideal for:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/the-brrrr-method\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">BRRRR<\/span><\/a><\/li>\n\n\n\n<li><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/guides\/how-to-flip-houses\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Fix-and-flip<\/span><\/a><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Rental acquisitions<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">IRA\/401(k) long-term holds<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">3. Track lender behavior<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Banks with growing REO portfolios may:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Price listings more aggressively.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Offer incentives.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Prioritize faster closings.<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">4. Use REOs to build a tax-advantaged portfolio<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Inside a <\/span><strong><span data-preserver-spaces=\"true\">Self-Directed IRA or Solo 401(k)<\/span><\/strong><span data-preserver-spaces=\"true\">, REO investing may offer:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Potential tax-deferred or tax-free rental income.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Long-term <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/what-is-appreciation-in-real-estate\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">appreciation<\/span><\/a><span data-preserver-spaces=\"true\">.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Structured loan strategies using non-recourse financing.<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Take Control of Your Investment Strategy<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">REOs represent the end of the foreclosure cycle\u2014but for investors, they can represent the beginning of opportunity. With clear inventory trends emerging across key states and counties, now is the time to study local patterns, evaluate property conditions, and be ready for new listings as they hit the market.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">To learn how to invest in real estate using a <\/span><strong><span data-preserver-spaces=\"true\">Self-Directed IRA or Solo 401(k)<\/span><\/strong><span data-preserver-spaces=\"true\">, visit: <\/span><a class=\"editor-rtfLink\" href=\"http:\/\/www.trustetc.com\/RealEstate\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">www.TrustETC.com\/RealEstate<\/span><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><span data-preserver-spaces=\"true\">Equity Trust Company is a directed custodian and does not provide tax, legal, or investment advice. Any information communicated by Equity Trust is for educational purposes <\/span><span data-preserver-spaces=\"true\">only,<\/span><span data-preserver-spaces=\"true\"> and should not <\/span><span data-preserver-spaces=\"true\">be construed<\/span><span data-preserver-spaces=\"true\"> as tax, legal, or investment advice. Whenever making an investment decision, please consult with your tax attorney or financial professional.<\/span><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><span data-preserver-spaces=\"true\">BiggerPockets\/PassivePockets <\/span><span data-preserver-spaces=\"true\">is not affiliated<\/span><span data-preserver-spaces=\"true\"> in any way with Equity Trust Company or any of Equity\u2019s family of companies. Opinions or ideas expressed by BiggerPockets\/PassivePockets are not necessarily those of Equity Trust Company, nor do they reflect their views or endorsement. The information provided by Equity Trust Company is for educational purposes only. Equity Trust Company and <\/span><span data-preserver-spaces=\"true\">their<\/span><span data-preserver-spaces=\"true\"> affiliates, representatives, and officers do not provide legal or tax advice. Investing involves risk, including possible loss of principal. Please consult your tax and legal advisors before making investment decisions. Equity Trust and BiggerPockets\/PassivePockets may receive referral fees for any services performed as a result of being referred o<\/span><span data-preserver-spaces=\"true\">pportunities<\/span><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When a property reaches the REO stage\u2014Real Estate Owned\u2014it signals the final step of the foreclosure cycle. The homeowner is out, the auction has been completed (often unsuccessfully), and the [&hellip;]<\/p>\n","protected":false},"author":613768,"featured_media":155545,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-186362","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-foreclosure-investing"],"acf":[],"comment_count":0,"_links":{"self":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/186362","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\/613768"}],"replies":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/comments?post=186362"}],"version-history":[{"count":0,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/186362\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media\/155545"}],"wp:attachment":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media?parent=186362"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/categories?post=186362"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/tags?post=186362"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}