Calling All Real Estate Investors

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 11-14-2022.  The topics reviewed are: Low Housing Inventory Remains Supportive of Home Prices Construction of Homes Continues to Slow Builder Confidence Drops for Eleventh Consecutive Month Wholesale Inflation Cooler Than Est...

Caeli'e interview begins at the Chapter Marker of 11:30 A housing crash is upon us. But it may not be the kind of crash that you think. I explain what this sales crash means to the housing market's future.  Caeli Ridge, President of Ridge Lending Group, joins us. She gives an exact prediction about where and when mortgage interest rates will peak.  37% of homeowners have no mortgage at a...

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 11-7-2022.  The topics reviewed are: Consumer Inflation Cooler Than Estimated in October Inflation Remained a Top Problem for Many Small Businesses Last Month Rising Continuing Jobless Claims Suggests Slower Pace of Hiring Fa...

This is a special podcast Caeli did with Dan Lane Rental Income Podcast With Dan Lane INFO Rising interest rates has made it difficult to make the numbers work on a rental deal. On the first part of this bonus episode, Larry Myer, who has been investing in rentals for 40 years, shares how he has invested in times of higher interest rates. On the second part of the show Caeli Ridge shares from a le...

Larry Bailey and Caeli Ridge hosted this episode, where Caeli reviewed a Schedule E from a personal 1040 Schedule E. Here is what we covered at this event: Reviewed a 1040 Schedule E as a Lender would Encouraged you to get your mortgage application into Ridge Lending Group in time to close this year Check out the video with the screen share and the documentation in the Community. You can join thes...

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 10-31-2022.  The topics reviewed are: Fed Hikes Rates as Expected, Yet Press Conference Roils Markets Headline Jobs Number Not What It Seems Private Sector Payrolls Beat Expectations, But Hiring “Not Broad-Based” Continuing J...

Larry Bailey and Caeli Ridge host this episode where we spent time reviewing a residential appraisal report. Here is what we covered at this event: Open Q&A Reviewing a Residential Appraisal Check out the video with the screen share and the documentation in the Community. You can join these live each week by following this link to join the call: https://community.ridgelendinggroup.com/events/l...

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 10-24-2022.  The topics reviewed are: Consumer Inflation Needs Cooling Signed Contracts on Existing Homes Fall for Fourth Consecutive Month After August’s Uptick, September New Home Sales Fall Annual Home Price Appreciation D...

Larry Bailey and Caeli Ridge host this episode where we spent time reviewing new topics that are important with the times. Here is what we covered at this event: Open Q&A Current Market News Physical Property Reviews Waiting vs. Not Waiting in this market (and others) Check out the video with the screen share and the documentation in the Community. You can join these live each week by followin...

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 10-17-2022.  The topics reviewed are: What Housing Supply and Demand Dynamics Mean for Prices Construction of Single-Family Homes Continues to Decline Builder Confidence Falls for Tenth Straight Month Jobless Claims Remain Vo...

Larry Bailey and Caeli Ridge host this episode where we spent time with the community to review a new loan program and to review a community member property he is considering investing in. Here is what we covered at this event: Open Q&A Reviewing a new loan program that allows for cross-collateralization A community member brought a property to Caeli to review. She provided invaluable insights...

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 10-10-2022.  The topics reviewed are: Consumer Inflation Remains Hot But Is Hope Ahead? Producer Inflation Also Higher Than Expectations Fed Minutes Convey Hawkish Tone Family Hack of the Week - Carving Pumpkins from Good Hou...

Larry Bailey and Caeli Ridge host this episode where we spent time with the community to help explain what is happening in these changing times for loan programs and interest rates. Here is what we covered at this event: Open Q&A Reasons and methods for cashing out (harvest equity) Owner-occupied loan options Here are some highlights: 1. Borrowed funds are non-taxable 2. Non-QM is available in...

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 10-3-2022.  The topics reviewed are: The Real Scoop on September’s Job Gains Private Payrolls Showed Job Growth Picked Up in September Labor Market Starting to Show Signs of Pressure Annual Home Price Appreciation Slowing But...

Larry Bailey and Caeli Ridge host this episode with a very special guest. Ashish Acharya is known as the "Investor Friendly CPA" and is a WEALTH of knowledge for Real Estate investors everywhere.  We had a fantastic time and spent over 1 hour talking about how to create opportunities to reduce your federal and state income taxes using cost segregation. Here is what we covered at this eve...

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode is reviewing the events from the week of 9-19-2022.  The topics reviewed are: Fed Hikes Rates Another 75 Basis Points Low Housing Inventory Remains Supportive of Prices Household Formations Continue to Outpace Completions More Home Builders Offering Incentives...

Larry Bailey and Caeli Ridge host this episode and they talk about: Loan Programs for Owner Occupied homes Conventional FHA VA USDA HELOC Construction Loans And more... Interest Rates for Owner Occupied homes  More volatile and best pricing Enhanced processing, underwriting, and closing for Owner Occupied homes Usually less documentation and quicker processing and closing times   Check out the vid...

Larry Bailey and Caeli Ridge host this episode and they talk about: Asset protection through using an LLC and also through using a non-recourse loan  How to mentally make it through this kind of environment as an investor  Announcing our special CPA guest for a future show Fannie Mae and Freddie Mac "Due on Sale " Clause Caeli reminds you about how to set up the best way to capture the m...

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail.  Today's episode is reviewing the events from the week of 9-5-2022.  The topics reviewed are: Home Prices Still Forecasted to Appreciate at Meaningful Level Initial Jobless Claims Reach Lowest Level Since Late May Fed Talks Tough About Inflation Family Hack of the Week - Fall...

Larry Bailey and Caeli Ridge host this episode, and she talks about: Caeli discusses current market conditions for the value of your home Current interest rates can try to undermine your efforts in investing Equity Harvesting - now is the time to do it Owner-Occupied loan programs that are available Fixed versus ARM (Adjustable Rate Mortgage) products Full Amortization versus Interest Only Discuss...

Larry Bailey hosts this episode and he talks about: General open questions and answers Mortgage Market Meltdown Personal Situations The All-in-One loan program Sweep Account usage Explaining ARMs - Adjustable Interest Rates Short-Term versus Long-Term Rentals You can join these live each week by following this link to join the call: https://community.ridgelendinggroup.com/events/live-with-caeli-ea...

Larry Bailey and Caeli Ridge host this episode and they talk about: Open Questions and Answers Full breakdown of the All-in-One Simulator Check out the video with the screen share and the documentation in the Community. You can join these live each week by following this link to join the call: https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list A...

Larry Bailey and Caeli Ridge host this episode and they talk about: Getting ready for your next Long Term Rental Neighborhood Property Class Tenant Pool Industry Schools Age Many, Many More... Check out the video with the screen share and the documentation in the Community. You can join these live each week by following this link to join the call: https://community.ridgelendinggroup.com/events/liv...

Larry Bailey hosts this episode, and he reviews some Community questions: The Process of changing an owner-occupied into an investment property Cost Segregation practices/strategies 1031 Exchanges Dealing with a Lender that limits your limits on lending based on your financed properties Some other great information Check out the video with the screen share and the documentation in the Community. Y...

Caeli Ridge hosts this episode and she talks about: Secured vs. Unsecured Line of Credit Open Questions and Answers Quality of Investments when working with TurnKeys 2nd Lien HELOCs for Investment Properties Buying down your interest rates Negotiating Prices are in your favor now! Seller-Paid closing costs - how to take advantage of these now! Check out the video with the screen share and the docu...