Mortgage & Commercial Lending News.

Houston's premier blog for all things related to Commercial and Residential Hard Money Loans.


What should we expect in 2022 in the rapidly changing housing market?

Posted by Jim Emerson

Jun 26, 2022 9:00:00 AM

A lot has been written lately about the future of mortgage rates and housing prices. Let's look at some data and figure out what it means for Real Estate Investors in Houston, particularly Fix and Flip or rental property investments.

Mortgage rates are increasing

Earlier in 2022, some industry experts put forth their forecasts as to the future of mortgage rates:

  • Mortgage Bankers Association forecasted the average 30-year fixed to climb up to 4% by year's end.
  • Fannie Mae predicted a 3.3% mortgage rate by the end of 2022.
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Topics: houston, houston hard money lenders, fix and flip, AMI Lenders, mortgage

Selling a flipped property for a profit: A Hard Money Lender’s Perspective

Posted by Jim Emerson

Jun 2, 2022 9:58:16 AM

After you have gone through all the trouble of finding, purchasing, and rehabbing a property, the last step is to try to sell it fast and for a profit. Most people think, incorrectly, that very little planning goes into selling a property. Here are some recommendations to help you sell your fixed and flipped property:

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Topics: Hard Money Loans, hard money lenders, houston, fix and flip, AMI Lenders

How to Carefully Plan Your Repairs Using a Hard Money Loan in Houston

Posted by Jim Emerson

May 23, 2022 12:00:00 PM

We present to you the third of a series of articles about Fix and Flip ("F&F") as a real estate investment strategy. In the first article, we offered our readers some pointers on finding an Fix and Flip property at a discount. This was followed by an article on what to do to get financing fast before someone else does. In this one, we will develop some ideas on how to proceed carefully with repairs.

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Topics: houston, fix and flip, AMI Lenders, Real Estate Investment

Once you find a property to Fix & Flip, what should you do to get financing fast before someone else does?

Posted by Jim Emerson

May 5, 2022 9:00:00 AM

We recently published an article explaining in less than 1,000 words "how to find a property at a discount". Given the interest expressed by our readers, in this article, we expand on the topic of how to be ready to finance a Fix & Flip property fast.

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Topics: houston, fix and flip, AMI Lenders

Financing Real Estate Investments through Hard Money Loans is not “one-size-fits-all”

Posted by Jim Emerson

Apr 26, 2022 12:04:05 PM

It is not the same to evaluate financing unimproved versus improved properties, short term vs long term loans or the level of risk 

the borrower represents.

To put it simply, financing real estate projects varies significantly from one borrower to another, AND from one type of property to another.  

To make sure we are on the same page: in Hard Money Lender's terminology, an unimproved property means the property does not have a structure on it: for example,

  • a vacant lot or vacant acreage is an unimproved property. An improved property means the property has a structure on it (regardless of its condition).
  • In the residential arena, an improved property can be a single-family dwelling, a duplex, or an apartment complex.
  • If it's a commercial property, an example would be an office building, a shopping center, a warehouse, or a data center.
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Topics: Hard Money Loans, houston, AMI Lenders, Real Estate Investment

Will rents keep going up? As a Real Estate Investor in 2022, this is a question you should consider.

Posted by Jim Emerson

Apr 6, 2022 11:15:43 AM

Mr. Marvy Finger, an 86-year-old Houston based real estate investor, was featured this month in Forbes magazine[1] in a fascinating article about the future of rental properties.
Turns out that Marvy Finger recently sold 2 billion dollars worth of rental properties to real estate investor Greystar. Yes, you read it right: 2 billion dollars (worth exactly two thousand million dollars, and that's just half of what Marvy Finger owned before the trade). The article's central theme is that Marvy Finger thinks rents must come down, in short to midterm, from what he thinks are unsustainable levels. In contrast, Gresytar believes that rents will keep increasing, and it's a good time to invest in rental properties.

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Topics: houston, real estate investors, AMI Lenders

Adjusting your Real Estate Investment strategy due to the new economic perils

Posted by Jim Emerson

Mar 30, 2022 4:51:43 PM

Most of us like surprises, when and if they are pleasant surprises. However, the past few weeks surprised the world in a very unpleasant way. The appalling reappearance of war in Eastern Europe. When we look back to the end of last year, we wish world leaders and diplomats had been more determined or forceful to find a solution that would have helped prevent this absurd war. We would have expected things to be different in Eastern Europe and continued to enjoy peace, however fragile. Our deepest desire today is to end the war in Ukraine and return to peace. After witnessing the ravages of war all over our media channels, our hearts go out to all those currently suffering in Ukraine.

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Topics: houston, real estate investors, AMI Lenders, Real Estate Investment

How to find investment property at a discount

Posted by Jim Emerson

Mar 16, 2022 9:00:00 AM

For over 30 years, AMI Lenders has helped hundreds of real estate investors finance their investments in fix-&-flip properties. Therefore, it is evident to us that successful fix-&-flip projects start with the investor (or "flipper") doing their homework and finding an investment property, not only with a significant discount off its market value but also in the right location and at the right time. In this blog, we want to share what we have seen successful flippers do when hunting for an investment property.

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Topics: houston, loans, fix and flip

Would you want to invest in rental property as we face a looming recession?

Posted by Jim Emerson

Mar 4, 2022 6:00:00 AM

In the past few weeks, we have started reading interesting articles on the future of the US economy, mainly dealing with whether trying to rein in inflation will bring about a recession. Since we write this blog for real estate investors and home buyers, and since there are some warnings of a looming recession, if not this year, maybe next (for example, read Bill Conerly's November 2021 article "No Recession In 2022—But Watch Out In 2023" in Forbes magazine), the question that has sprung to mind for us is:

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What to look for when hunting for a multigenerational house

Posted by Jim Emerson

Feb 18, 2022 11:26:01 AM

We recently wrote in one of our blogs about pooling incomes in a household to obtain a mortgage. We mentioned that multigenerational households could be a trend in the housing sector. Changes in demographic behavior could lead to even more households becoming multigenerational. In this blog, we would like to assist you in thinking around some issues when you are looking into purchasing and renovating a home suitable for a multigenerational household.

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Topics: houston, residential hard money loans, AMI Lenders


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