We just got to $100M+ tapes from two larger lenders in the RTL/DSCR space and they are laying off people left and right as we received several calls from people looking for employment.One lender capped their lending in california to no more than $1M - which in california and non-rural is basically there way of saying we are not doing business here anymore

Especially here in CA?

.- These will be investment properties, not primary residences, as I currently live in San Francisco, CA.- I've already started the pre-approval process with a credit union based in North Carolina, but I'd love some help understanding how to structure the gift of equity correctly for investment properties, what documentation may be required, and if there are any specific limitations or tax implications I should consider.- My goal is to close on both homes by the end of the year or early next year.If anyone has experience with gift of equity transactions for invest properties -- especially in North Carolina or involving out-of-state buyers -- or can recommend a loan officer, lender, or real estate attorney familiar with this setup, I'd really appreciate your insight.Thanks in advance!

A lot of CPAs can file a return, but very few really understand the nuances of agents, investors, short-term rentals, cost segregation, entity structure, and compliance.For example, I’m based in California, but I help clients nationwide, and many real-estate-focused CPAs operate the same way.

We have the experience and work within our niche so we ca get funding and have the trades to call on that support us.  

House hacking is a smart move, especially in a higher-cost city like Chicago.

For originators, the near-term outlook still favors improved affordability if the Fed cuts next week, but today’s move is a reminder that strong labor prints can temper the pace of rate relief.https://www.fastcompany.com/91452411/realtors-just-forced-zi...Addison, Allen, Anna, Azle, Batch Springs, Bedford, Benbrook, Burleson, Cedar Hill, Celina, Cleburne, Colleyville, Coppell, Corinth, Crowley, DeSoto, Duncanville, Ennis, Euless, Farmers Branch, Fate, Flower Mound, Forest Hill, Forney, Glenn Heights, Grapevine, Greenville, Haltom City, Highland Village, Hurst, Keller, Lancaster, Little Elm, Mansfield, Midlothian, Mineral Wells, Murphy, North Richland Hills, Prosper, Red Oak, Rockwall, Rowlett, Royse City, Sachse, Saginaw, Seagoville, Southlake, Terrell, The Colony, Trophy Club, University Park, Watauga, Waxahachie, Weatherford, White Settlement, Wylie, Dallas, Fort Worth, Plano, Irving, Garland, Grand Prairie, McKinney, Frisco, Mesquite, Carrollton, Denton, Richardson, Lewisville, or Arlington

The market’s tone is defensive, with participants hedging against surprises in Fed guidance while positioning for potential volatility around next week’s data-heavy calendar.WEEKLY INTEREST RATE SNAPSHOT (Images)  *National average rates are provided by Bankrate.com and Bloomberg Professional as of 12/8/2025 and are not advertised rates from Rate, Inc.Addison, Allen, Anna, Azle, Batch Springs, Bedford, Benbrook, Burleson, Cedar Hill, Celina, Cleburne, Colleyville, Coppell, Corinth, Crowley, DeSoto, Duncanville, Ennis, Euless, Farmers Branch, Fate, Flower Mound, Forest Hill, Forney, Glenn Heights, Grapevine, Greenville, Haltom City, Highland Village, Hurst, Keller, Lancaster, Little Elm, Mansfield, Midlothian, Mineral Wells, Murphy, North Richland Hills, Prosper, Red Oak, Rockwall, Rowlett, Royse City, Sachse, Saginaw, Seagoville, Southlake, Terrell, The Colony, Trophy Club, University Park, Watauga, Waxahachie, Weatherford, White Settlement, Wylie, Dallas, Fort Worth, Plano, Irving, Garland, Grand Prairie, McKinney, Frisco, Mesquite, Carrollton, Denton, Richardson, Lewisville, or Arlington

That partnership is essential.I’m personally licensed in both California and Kentucky and continue to work with several clients in the Louisville market.

For example, I can tell you that the City of Phoenix has greenlit homeowners adding ADUs on their lots.