The Dodd-Frank Act requires creditors to make a reasonable, good faith determination of a consumer’s ability to repay any consumer credit transaction secured by a dwelling (excluding an open-end credit plan, timeshare plan, reverse mortgage, or temporary loan) and establishes certain protections from liability under this requirement for “qualified mortgages.”

It attracts traveling nurses, families needing temporary housing, and professionals on short-term projects.If you can offer a comfortable, well-equipped space with good Wi-Fi and parking, you’ll likely see consistent demand.

This came up in a recent conversation, and the more I talk with newer and experienced investors, the clearer it becomes that most people don’t have an actual framework, they’re just going off emotion, fear, or habit.Here’s the thinking I shared (and where I’m curious if people agree or disagree):1.

Situations involving inherited property can be emotional and legally complex, so taking a breath before moving forward is smart.That said, opportunities like this can be great if handled correctly.Here are a few things to think through:Who legally owns the home right now?

It’s a structural one.Why it’s happeningBuilders have tools individual sellers do not:• They can buy down mortgage rates into the 3’s-mid-5s while resales are stuck at 6.5%+• They can offer closing cost credits without triggering appraisal issues• They adjust pricing based on absorption rates, not emotions• Inventory carries measurable costs for them, so they act fasterMeanwhile, resale sellers are slow to reprice and anchored to peak-era expectations.That creates a pricing gap investors aren’t used to seeing.The investor angleFor most of the 2010s, investors avoided new construction because it was more expensive, taxed higher, and offered no rent premium.

We were told at first it was the kids, then it was an emotional support dog and then a service dog with documentation to be provided which of course never was. 

A number of the top REITS have found a technique that lets the investor initially 1031 into a DST on a temporary basis and after 2 years the REIT absorbs the DST and the investor receives the equivalent of shares in the REIT which makes the investment liquid.

Hey Jerrell — even though this post is older, here’s a simple way to think about owner financing:Owner financing can actually benefit both sides: the seller gets steady income and potential tax benefits, and the buyer can avoid traditional lending hurdles.Focus on showing the seller the security: explain how the note will be structured (promissory note, mortgage/deed of trust) and that you can make timely payments.Sometimes it helps to offer a slightly higher interest rate than market — sellers like the idea of a return on their money.Keep the discussion on numbers and security, not emotions.

My initial interest was in rehabilitating distressed properties, but I've found that land flipping and home wholesaling offers a more accessible entry point with fewer financial barriers and less emotional complexity.I'm pleased to join this group and look forward to networking with fellow professionals, expanding my knowledge, and contributing where I can be of assistance to others.Best regards,Samir Kaouche

Its all the emotions all at once with the first rental.