In analyzing past quotes from hard money lenders, I am seeing a disturbing pattern where lenders of certain ethnicities seem to charge more compared to those whose identity is American.

These patterns suggest a transformation in how luxury real estate is being viewed: less as a splurge, more as a smart investment tool. 

These conflicting signals have left investors in a holding pattern, awaiting further clarity from upcoming data releases.

Some investors are holding tight, others are still buying but being a lot more selective, especially if they’re doing STRs or MTRs.A lot of people seem focused on making what they already own more profitable instead of expanding too fast.What about you, what kinds of patterns are you noticing with your clients?

What a “Healthy” Listing Looks LikeIn most cases, strong-performing listings follow a clear pattern: high inquiry volume in the first 7 days.

I’ve seen similar patterns in other markets where long-term hold strategies build real wealth quietly over time.

Relying on these calls opens you up to inconsistent decision-making, and can even create risks around Fair Housing or discrimination claims.Instead of relying too much on rental verifications, I'd recommend focusing more on verifiable facts through a complete screening report that includes:🔹 Credit Report – Reviews overall financial responsibility, payment patterns, and open accounts.🔹 Judgments & Liens Search – Identifies court judgments or unpaid debts that no longer show up on traditional credit reports.🔹 Nationwide Eviction Search – Flags any prior evictions that may not have been disclosed or mentioned during a landlord call.🔹 Nationwide Criminal and Sex Offender Search – Provides a broader view of any criminal background or offenses across multiple states.🔹 Income Verification Report – Pulls actual deposit data directly from the applicant’s bank account history to confirm real income (much better than chasing pay stubs or letters that could be manipulated).By leaning more on verified, factual data instead of subjective rental references, you can make safer, more consistent decisions while protecting yourself against claims of unfair screening practices.

Less about automation—more about pattern recognition.Curious what your radar picks up these days.

That’s not guaranteed – but it is a common pattern.

The property owner signs a lease and begins collecting passive income.CompensationAgreements may offer either fixed monthly payments or a share of the revenue generated by the charging station.Properties Best Suited for EV ChargingCertain property types are particularly well-positioned to host EV chargers:Retail centers and malls – Allow customers to charge while shopping.Office buildings – Appeal to tenants and employees with EVs.Multifamily units – Increasingly sought after by renters.Industrial parks – Growing demand for fleet vehicle charging.Hotels – Overnight guests often plan their stays based on charging access.Added Value to Your PropertyEV charging can enhance more than just income:Improves tenant satisfactionIncreases lease renewal likelihoodContributes to environmental and sustainability goalsDifferentiates your property in a competitive marketFinancial IncentivesGovernment and utility-backed programs can significantly offset installation costs:Federal Tax Credit – Up to 30% of the project cost, capped at $100,000 per charging unitState and Utility Rebates – Vary by location, with some offering generous subsidiesThese programs are often accessible when working in partnership with charging providers or developers.What Charging Networks Look ForTo be considered for a partnership, a property generally needs to offer:Reliable electrical infrastructure (240V or higher)Accessible, visible off-street parkingSteady foot or vehicle trafficParking situations with longer dwell times (10+ minutes)Steps to Explore the OpportunityEvaluate Your SiteConsider tenant needs, traffic patterns, and parking layout.Reach Out to Charging ProvidersExplore options with companies seeking site partnerships.Review Lease Terms CarefullyLegal guidance is recommended to ensure the agreement aligns with your interests.Communicate With TenantsOnce installed, let tenants or occupants know about the new amenity.ConclusionElectric vehicle charging is not just a modern convenience—it’s a step toward the future of real estate.