Happy New Year

Wishing everyone a bright and healthy New Year from INSIGNIA Financial Services LLC! https://insigniafs.com/wp-content/uploads/2022/12/IFS-2023-Happy-New-Year-Facebook-Post-1-1.mp4

Private Money Loans vs. Hard Money Loans

single family rental portfolio financing

Investing in real estate is a very lucrative business, but you can only succeed with access to capital.

Private and hard money loans are great options for real estate investors because they give you access to capital with fewer requirements and greater certainty.

The Housing Market Correction

Low supply and strong demand will limit the extent home prices depreciate. If our forecast for Fed rate cuts is realized, mortgage rates are likely to fall slightly, which will spur an improvement in sales activity and reignite home price appreciation heading into 2024.

The Impact of Rising Interest Rates on DSCR Loans

Long term rental loans, or DSCR (debt service coverage ratio) loans, have become popular in recent years for investors looking to buy and hold properties. Borrowers love them because these loan types allow them to qualify for a financing using their property’s cash flow rather than their income, and lenders love them because they can be highly accretive to their loan portfolios held for investment.

2020 Mid-Year Multifamily Outlook

The vast majority of apartment properties are performing well despite the crisis caused by the coronavirus; however, that may change if lawmakers do not renew or replace the programs supporting millions who lost jobs or income, according to mid-2020 forecasts from economists at three apartment market research firms.

RESOURCES FOR SMALL BUSINESS DURING COVID-19

INFORMATION AND RESOURCES FOR SMALL BUSINESS DURING COVID-19 As our global community looks to contain and combat COVID-19 (or what’s commonly referred to as the Coronavirus), businesses must take every precaution to ensure the safety of both their employees and their customers. The outbreak and response leave many small business owners feeling stressed and anxious; […]

You Asked: Single Family Rentals

INSIGNIA loves working with investors in single family rental (SFR) properties (single family, townhouse, condo, 2-4 unit) due to their defensive nature and durable moat. Given the late stage of the market cycle, we are seeing a focus on affordable housing since investors largely believe this sector will outperform higher class housing in a recession. Multifamily investing is an excellent strategy, but requires a little more sophistication and capital when done properly.

Americans are Moving Less According to US Census Bureau

Correlation to higher percentage of long-term renters for real estate investors in single family and multifamily rentals.

Fewer than 10% of Americans moved to new places in the 2018-2019 year, the lowest rate since the Census Bureau began tracking domestic relocations in 1947.
Why it matters: Despite a strong economy, more people are feeling locked in place. Young adults, who have historically been the most mobile, are staying put these days thanks to housing and job limitations. So are aging adults who are reluctant to (or can’t afford to) make a move.

Four Trends in REI To Watch For In 2020

INSIGNIA Financial Services

2020 will be an especially challenging time for investors because the economy is slowing, trade wars could drastically affect specific localities, and some of the hottest real estate markets are already cooling down.