Mortgage & Commercial Lending News.

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


What to expect from the Fix and Flip industry in TX, and to best prep.

Posted by Jim Emerson

Apr 27, 2023 11:11:36 AM

The Fix and Flip industry, which involves purchasing distressed properties, renovating them, and then selling them at a higher price, has experienced significant growth in recent years. However, the industry's current state can vary depending on the location and overall economic conditions.

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Topics: residential hard money loans, fix and flip, AMI Lenders

What is happening with the Fix and Flip Market?

Posted by Jim Emerson

Mar 30, 2023 5:00:00 PM

Private hard-money lenders have been a significant financing force behind the Fix-and-Flip (F&F) business model, which has risen to prominence among real-estate investors during the past 10 to 15 years. Yet, given the hefty increase in mortgage rates during 2022, and a somewhat cooling housing demand, real estate investors might be hesitant about starting an F&F process during 2023.

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Topics: houston, fix and flip, Fast Hard Money Lenders in Houston, AMI Lenders, market

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

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

Staying Competitive in a Fix and Flip Market

Posted by Jim Emerson

Nov 23, 2021 9:00:00 AM

The 'fix and flip' investment strategy is one of several available to real estate investors. While some consider it to be relatively straightforward, it has its complexities as any other business endeavor. If executed poorly, it can lead to much lower returns than expected. In a competitive market where there is a shortage of houses to flip, workers and materials, flipping houses can become more difficult than usual. In this economic environment, investing in a distressed property that meets all the characteristics needed for high returns becomes essential. Furthermore, if you are new to fix and flipping, or if you already have done several, it is good to remember that seeking the help of professionals can make the entire process efficient and beneficial.

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

How the "Work from Home" Lifestyle Changes have Opened Interesting Opportunities in the Real Estate Market

Posted by Jim Emerson

Nov 9, 2021 12:18:14 PM

The past two years have led to a new economic reality in the US: the evolving, work-related lifestyle in the post-pandemic economy—one where work is all about flexible hours and can be done away from the office, be it from home, the vicinity of your home (a coffeehouse, maybe?) or elsewhere! Employees have more flexibility on their hands regarding their working habits than they ever anticipated. They have been finding ways to spend this newly acquired flexibility for their benefit and for the use of their employers through increased productivity levels. An aspect that has attracted attention recently is that the option of "working from home" has allowed individuals to enjoy fresh air and quality time with friends and family in vacation-like settings without utilizing their vacation days. A new standard option for people who can work from home is spending time in what used to be considered "a vacation home," whether it be on the outskirts of town, at the beach, by a lake, or in a scenic area. You can come into work on time without ever having to commute, and as soon as your workday is over, you are in a "vacation setting." As to how this new trend impacts real estate, there seems to be a booming market as "vacation home" sales (or sale of houses in what we're up to a few years ago considered "vacation towns") continue to grow.

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Topics: houston, residential hard money loans, fix and flip, AMI Lenders

Fix and Flip investments Can Be Lucrative If You Avoid These Common Mistakes Made by Real Estate Investors.

Posted by Jim Emerson

Apr 6, 2021 10:56:03 AM

Experienced investors have a good idea about how to make lucrative investments in fix and flip investments. However, not everyone knows how to make a rewarding deal because numerous new real estate investors do not have accurate knowledge about it. AMI Lenders believes fix and flip investments are very profitable. Hence, we have put together a list of common mistakes you must avoid if you want a beneficial investment. 
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Topics: construction loans, houston hard money lenders, fix and flip, real estate investors


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