--- title: Mortgages and Lending News | houston (4) description: houston | With 30 years + of Hard Money Lending experience, Jim Emerson, a Private Mortgage Investor, has turned AMI Lenders into one of the largest privately-owned Mortgage Investors Corporation (4) --- English | [Español](https://www.amilenders.com/prestamistas-rapidos-dinero-privado-houston) Call Us: [713-682-4400](tel:713-682-4400) [![Associated_Mortgage_Investors_logo.jpg](https://www.amilenders.com/hs-fs/hubfs/Branding_New_2016/Horizontal_Logo_New.png?width=180&height=64&name=Horizontal_Logo_New.png "Associated_Mortgage_Investors_logo.jpg")](https://www.amilenders.com) # Mortgage & Commercial Lending News. #### Houston's premier blog for all things related to Commercial and Residential [Hard Money Loans](https://www.amilenders.com/specialty-hard-money-loans). ![AMI_Lenders_Txt_Only.png](https://www.amilenders.com/hs-fs/hubfs/Branding_New_2016/AMI_Lenders_Txt_Only.png?width=194&name=AMI_Lenders_Txt_Only.png "AMI_Lenders_Txt_Only.png") ## [Staying Competitive in a Fix and Flip Market](https://www.amilenders.com/blog-ami/staying-competitive-in-a-fix-and-flip-market) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Nov 23, 2021 9:00:00 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/shutterstock_1044265102_web.jpg) ](https://www.amilenders.com/blog-ami/staying-competitive-in-a-fix-and-flip-market) 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. [Read More](https://www.amilenders.com/blog-ami/staying-competitive-in-a-fix-and-flip-market) Topics: [Hard Money Loans](https://www.amilenders.com/blog-ami/topic/hard-money-loans), [houston](https://www.amilenders.com/blog-ami/topic/houston), [fix and flip](https://www.amilenders.com/blog-ami/topic/fix-and-flip), [AMI Lenders](https://www.amilenders.com/blog-ami/topic/ami-lenders) ## [How the "Work from Home" Lifestyle Changes have Opened Interesting Opportunities in the Real Estate Market](https://www.amilenders.com/blog-ami/how-the-work-from-home-lifestyle-changes-have-opened-interesting-opportunities-in-the-real-estate-market) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Nov 9, 2021 12:18:14 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/shutterstock_1689579709_web.jpg) ](https://www.amilenders.com/blog-ami/how-the-work-from-home-lifestyle-changes-have-opened-interesting-opportunities-in-the-real-estate-market) 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. [Read More](https://www.amilenders.com/blog-ami/how-the-work-from-home-lifestyle-changes-have-opened-interesting-opportunities-in-the-real-estate-market) Topics: [houston](https://www.amilenders.com/blog-ami/topic/houston), [residential hard money loans](https://www.amilenders.com/blog-ami/topic/residential-hard-money-loans), [fix and flip](https://www.amilenders.com/blog-ami/topic/fix-and-flip), [AMI Lenders](https://www.amilenders.com/blog-ami/topic/ami-lenders) ## [A Look into Houston's Near-Term Economic Recovery (as of September 2021)](https://www.amilenders.com/blog-ami/a-look-into-houstons-near-term-economic-recovery-as-of-september-2021) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Sep 21, 2021 1:14:59 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/shutterstock_1730106739_web.jpg) ](https://www.amilenders.com/blog-ami/a-look-into-houstons-near-term-economic-recovery-as-of-september-2021) Our good friends at Moody Rambin recently posted a concise and exciting set of regional economic data entitled "Houston's Economy at a Glance."[[1]](https://www.amilenders.com/blog-ami/topic/houston/page/4#_ftn1). Reading their blog set us thinking about letting our faithful readers know what the near-future economy might look like in the Houston area. So without any further delays, we present some interesting information that might help you in your future business and real estate investment plans (we reproduce some information we borrowed from the cited article). [Read More](https://www.amilenders.com/blog-ami/a-look-into-houstons-near-term-economic-recovery-as-of-september-2021) Topics: [houston](https://www.amilenders.com/blog-ami/topic/houston), [AMI Lenders](https://www.amilenders.com/blog-ami/topic/ami-lenders) ## [What will the 2021-2022 residential property market look like for Real Estate investors?](https://www.amilenders.com/blog-ami/what-will-the-2021-2022-residential-property-market-look-like-for-real-estate-investors) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Aug 26, 2021 11:51:46 AM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Blog_Images/residential_hard_money_lenders_new_law.jpg) ](https://www.amilenders.com/blog-ami/what-will-the-2021-2022-residential-property-market-look-like-for-real-estate-investors) It would be nice to have a crystal ball here at AMI Lenders to predict the future, but sadly we don't. In any case, given that the hot housing market is very much in the news these days, we would like to help you decide whether the time is right for you to invest in the real estate market in the next 12 to 18 months (we are writing this blog in early September 2021). So, with all the caveats in place and all the legal disclaimers that we are not fortune tellers, the following are some informed predictions about what you might expect to see in the next year and a half in the residential property market. Spoiler: now is the time to invest in residential property. [Read More](https://www.amilenders.com/blog-ami/what-will-the-2021-2022-residential-property-market-look-like-for-real-estate-investors) Topics: [houston](https://www.amilenders.com/blog-ami/topic/houston), [residential hard money loans](https://www.amilenders.com/blog-ami/topic/residential-hard-money-loans), [real estate investors](https://www.amilenders.com/blog-ami/topic/real-estate-investors), [AMI Lenders](https://www.amilenders.com/blog-ami/topic/ami-lenders) ## [This Is Why Every Property Owner Should Have Flood Insurance](https://www.amilenders.com/blog-ami/this-is-why-every-property-owner-should-have-flood-insurance) Posted by [Jim Emerson](https://www.amilenders.com/blog-ami/author/jim-emerson) Jan 30, 2018 4:41:24 PM - [Tweet](https://twitter.com/share) [![](https://www.amilenders.com/hubfs/Blog_Images/ami-lenders-houston-house-floodinsurance.png) ](https://www.amilenders.com/blog-ami/this-is-why-every-property-owner-should-have-flood-insurance) There are many misconceptions when it comes to **purchasing flood insurance**. Many homeowners think they’re not at risk for flooding, when they usually are. And many believe that if they are flooded, they’re insured for it. For example, the coverage is often inadequate lacking enough coverage to fully rebuild the home. Although flood insurance is available to many homeowners under the NFIP, most don’t have it. This is true for many of Hurricane Harvey’s victims. This hurricane was the most significant tropical hurricane in the United States history. Harvey’s damage was between $90 Billion and $160 Billion with a midpoint at $125 Billion. [Read More](https://www.amilenders.com/blog-ami/this-is-why-every-property-owner-should-have-flood-insurance) Topics: [Houston Commercial Loans](https://www.amilenders.com/blog-ami/topic/houston-commercial-loans), [hard money lenders](https://www.amilenders.com/blog-ami/topic/hard-money-lenders), [mortgage process](https://www.amilenders.com/blog-ami/topic/mortgage-process), [houston](https://www.amilenders.com/blog-ami/topic/houston), [residential hard money loans](https://www.amilenders.com/blog-ami/topic/residential-hard-money-loans), [houston hard money lenders](https://www.amilenders.com/blog-ami/topic/houston-hard-money-lenders) [Previous](https://www.amilenders.com/blog-ami/topic/houston/page/3) [All posts](https://www.amilenders.com/blog-ami/all) [![Share on Facebook](https://static.hubspot.com/final/img/common/icons/social/facebook-24x24.png)](http://www.facebook.com/share.php?u=https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fhouston%2Fpage%2F4%3Futm_medium%3Dsocial%26utm_source%3Dfacebook) [![Share on LinkedIn](https://static.hubspot.com/final/img/common/icons/social/linkedin-24x24.png)](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fhouston%2Fpage%2F4%3Futm_medium%3Dsocial%26utm_source%3Dlinkedin) [![Share on Twitter](https://static.hubspot.com/final/img/common/icons/social/twitter-24x24.png)](https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fhouston%2Fpage%2F4%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fhouston%2Fpage%2F4%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=Mortgages%20and%20Lending%20News%20%7C%20houston%20%284%29) [![Share on Email](https://static.hubspot.com/final/img/common/icons/social/email-24x24.png)](mailto:?subject=Check%20out%20https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fhouston%2Fpage%2F4%3Futm_medium%3Dsocial%26utm_source%3Demail%20&body=Check%20out%20https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fhouston%2Fpage%2F4%3Futm_medium%3Dsocial%26utm_source%3Demail) ## Our Hard Money Blog AMI Lenders' Commercial Lending blog contains helpful information to help you understand the intricacies of Commercial Hard Money Lending practices in Texas.  [![Apply Today!](https://no-cache.hubspot.com/cta/default/352755/742551d4-8c56-438e-8546-c53ef6b5db1e.png)](https://cta-redirect.hubspot.com/cta/redirect/352755/742551d4-8c56-438e-8546-c53ef6b5db1e) ### Recent Posts ### Subscribe to Email Updates ### Posts by Topic - [AMI Lenders (51)](https://www.amilenders.com/blog-ami/topic/ami-lenders) - [houston (35)](https://www.amilenders.com/blog-ami/topic/houston) - [Hard Money Loans (34)](https://www.amilenders.com/blog-ami/topic/hard-money-loans) - [hard money lenders (31)](https://www.amilenders.com/blog-ami/topic/hard-money-lenders) - [Hard Money (18)](https://www.amilenders.com/blog-ami/topic/hard-money) - [houston hard money lenders (18)](https://www.amilenders.com/blog-ami/topic/houston-hard-money-lenders) - [residential hard money loans (17)](https://www.amilenders.com/blog-ami/topic/residential-hard-money-loans) - [mortgage loans (15)](https://www.amilenders.com/blog-ami/topic/mortgage-loans) - [fix and flip (14)](https://www.amilenders.com/blog-ami/topic/fix-and-flip) - [real estate (13)](https://www.amilenders.com/blog-ami/topic/real-estate) - [private money lender (11)](https://www.amilenders.com/blog-ami/topic/private-money-lender) - [private mortgage investors (10)](https://www.amilenders.com/blog-ami/topic/private-mortgage-investors) - [Residential Loans (9)](https://www.amilenders.com/blog-ami/topic/residential-loans) - [real estate investors (9)](https://www.amilenders.com/blog-ami/topic/real-estate-investors) - [loans (8)](https://www.amilenders.com/blog-ami/topic/loans) - [Real Estate Investment (7)](https://www.amilenders.com/blog-ami/topic/real-estate-investment) - [Houston Commercial Loans (6)](https://www.amilenders.com/blog-ami/topic/houston-commercial-loans) - [commercial hard money loan (6)](https://www.amilenders.com/blog-ami/topic/commercial-hard-money-loan) - [private money lenders in houston (6)](https://www.amilenders.com/blog-ami/topic/private-money-lenders-in-houston) - [home buyers (5)](https://www.amilenders.com/blog-ami/topic/home-buyers) - [Hard Money Loan (4)](https://www.amilenders.com/blog-ami/topic/hard-money-loan) - [construction loans (4)](https://www.amilenders.com/blog-ami/topic/construction-loans) - [mortgage (4)](https://www.amilenders.com/blog-ami/topic/mortgage) - [mortgage process (4)](https://www.amilenders.com/blog-ami/topic/mortgage-process) - [Low Documentation Loans (3)](https://www.amilenders.com/blog-ami/topic/low-documentation-loans) - [Specialty Loans (3)](https://www.amilenders.com/blog-ami/topic/specialty-loans) - [Tips (3)](https://www.amilenders.com/blog-ami/topic/tips) - [business loans (3)](https://www.amilenders.com/blog-ami/topic/business-loans) - [buying new home (3)](https://www.amilenders.com/blog-ami/topic/buying-new-home) - [residential investment (3)](https://www.amilenders.com/blog-ami/topic/residential-investment) - [Fast Hard Money Lenders in Houston (2)](https://www.amilenders.com/blog-ami/topic/fast-hard-money-lenders-in-houston) - [Fastest Private Mortgage Lenders in Houston (2)](https://www.amilenders.com/blog-ami/topic/fastest-private-mortgage-lenders-in-houston) - [Financing for flipping houses (2)](https://www.amilenders.com/blog-ami/topic/financing-for-flipping-houses) - [ITIN loans (2)](https://www.amilenders.com/blog-ami/topic/itin-loans) - [Residential Investment Loans (2)](https://www.amilenders.com/blog-ami/topic/residential-investment-loans) - [consumer loans (2)](https://www.amilenders.com/blog-ami/topic/consumer-loans) - [dodd frank (2)](https://www.amilenders.com/blog-ami/topic/dodd-frank) - [flood insurance (2)](https://www.amilenders.com/blog-ami/topic/flood-insurance) - [homeowners (2)](https://www.amilenders.com/blog-ami/topic/homeowners) - [market (2)](https://www.amilenders.com/blog-ami/topic/market) - [prestamista de dinero privados (2)](https://www.amilenders.com/blog-ami/topic/prestamista-de-dinero-privados) - [APR (1)](https://www.amilenders.com/blog-ami/topic/apr) - [APY (1)](https://www.amilenders.com/blog-ami/topic/apy) - [Benefits (1)](https://www.amilenders.com/blog-ami/topic/benefits) - [Bridge Loans (1)](https://www.amilenders.com/blog-ami/topic/bridge-loans) - [Budget to Maximize Profits (1)](https://www.amilenders.com/blog-ami/topic/budget-to-maximize-profits) - [Building Multifamily Properties (1)](https://www.amilenders.com/blog-ami/topic/building-multifamily-properties) - [Buyer (1)](https://www.amilenders.com/blog-ami/topic/buyer) - [Commercial Real Estate (1)](https://www.amilenders.com/blog-ami/topic/commercial-real-estate) - [Commercial property (1)](https://www.amilenders.com/blog-ami/topic/commercial-property) - [Data Centers (1)](https://www.amilenders.com/blog-ami/topic/data-centers) - [Debt-to-Income Rule (1)](https://www.amilenders.com/blog-ami/topic/debt-to-income-rule) - [FICO Scores (1)](https://www.amilenders.com/blog-ami/topic/fico-scores) - [Fast-Closing Hard Money Loans (1)](https://www.amilenders.com/blog-ami/topic/fast-closing-hard-money-loans) - [Foreclosure (1)](https://www.amilenders.com/blog-ami/topic/foreclosure) - [Home Sales (1)](https://www.amilenders.com/blog-ami/topic/home-sales) - [ITIN mortgage loans (1)](https://www.amilenders.com/blog-ami/topic/itin-mortgage-loans) - [Lumber Prices (1)](https://www.amilenders.com/blog-ami/topic/lumber-prices) - [New Laws & Regs (1)](https://www.amilenders.com/blog-ami/topic/new-laws-regs) - [Property (1)](https://www.amilenders.com/blog-ami/topic/property) - [Real Estate Financing (1)](https://www.amilenders.com/blog-ami/topic/real-estate-financing) - [Seller (1)](https://www.amilenders.com/blog-ami/topic/seller) - [construction project financers (1)](https://www.amilenders.com/blog-ami/topic/construction-project-financers) - [credit report (1)](https://www.amilenders.com/blog-ami/topic/credit-report) - [federal reserve system (1)](https://www.amilenders.com/blog-ami/topic/federal-reserve-system) - [home equity loans (1)](https://www.amilenders.com/blog-ami/topic/home-equity-loans) - [homestead loans (1)](https://www.amilenders.com/blog-ami/topic/homestead-loans) - [non qm loans (1)](https://www.amilenders.com/blog-ami/topic/non-qm-loans) - [non qualified mortgage loans (1)](https://www.amilenders.com/blog-ami/topic/non-qualified-mortgage-loans) - [non-qualified mortgage (1)](https://www.amilenders.com/blog-ami/topic/non-qualified-mortgage) - [prestamo privado (1)](https://www.amilenders.com/blog-ami/topic/prestamo-privado) - [prestamos residenciales (1)](https://www.amilenders.com/blog-ami/topic/prestamos-residenciales) - [private money for flipping houses (1)](https://www.amilenders.com/blog-ami/topic/private-money-for-flipping-houses) - [qualified mortgage loan (1)](https://www.amilenders.com/blog-ami/topic/qualified-mortgage-loan) - [refinanciar (1)](https://www.amilenders.com/blog-ami/topic/refinanciar) - [seguro inundaciones en texas (1)](https://www.amilenders.com/blog-ami/topic/seguro-inundaciones-en-texas) - [subrpime loans (1)](https://www.amilenders.com/blog-ami/topic/subrpime-loans) - [wraparound mortgages (1)](https://www.amilenders.com/blog-ami/topic/wraparound-mortgages) [see all](https://www.amilenders.com/blog-ami/topic/houston/page/4#) © AMI Lenders Inc. 2023 **[PRIVACY NOTICE ](https://www.amilenders.com/hubfs/Home_Website_Page_Images/Privacy_Notice/AMIL_PrivacyNotice_NoAffil_NoOptOut-1.pdf) |  [TERMS OF SERVICE](https://www.amilenders.com/apply_for_a_hard_money_loan?hsCtaTracking=742551d4-8c56-438e-8546-c53ef6b5db1e%7C852c713d-547c-46cb-b9a4-42c50558cbc0)  |  [CONTACT US](https://www.amilenders.com/hard-money-loans-bad-credit)** [![Share on Facebook](https://static.hubspot.com/final/img/common/icons/social/facebook-24x24.png)](https://www.facebook.com/AMILenders/) [![Share on LinkedIn](https://static.hubspot.com/final/img/common/icons/social/linkedin-24x24.png)](https://www.linkedin.com/company/ami-lenders/) [![Share on Twitter](https://static.hubspot.com/final/img/common/icons/social/twitter-24x24.png)](https://twitter.com/Jim1947e) [![Share on Email](https://static.hubspot.com/final/img/common/icons/social/email-24x24.png)](mailto:?subject=Check%20out%20https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fhouston%2Fpage%2F4%3Futm_medium%3Dsocial%26utm_source%3Demail%20&body=Check%20out%20https%3A%2F%2Fwww.amilenders.com%2Fblog-ami%2Ftopic%2Fhouston%2Fpage%2F4%3Futm_medium%3Dsocial%26utm_source%3Demail) ![Equal Housing Lender at AMI Lenders](https://www.amilenders.com/hs-fs/file-454348357-jpg/Equal_Housing_and_other_icons/url.jpg?width=75&name=url.jpg "Equal Housing Lender at AMI Lenders") ![AMI Lenders, 710 N Post Oak Rd #208, Houston, TX 77024](https://www.amilenders.com/hs-fs/hubfs/Branding_New_2016/AMI_Lenders_Txt_Only.png?width=135&name=AMI_Lenders_Txt_Only.png "AMI Lenders, 710 N Post Oak Rd #208, Houston, TX 77024") AMI Lenders Inc. Residential Mortgage Loan Originator NMLS 320385 State of Texas Office of Consumer Credit Commissioner Regulated Lender License #51409 710 N Post Oak Rd Suite 208 Houston TX 77024 Jeff Emerson: NMLS #320687 Figure: 7 TAC §80.200(b) "CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT [WWW.SML.TEXAS.GOV](http://WWW.SML.TEXAS.GOV). A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT [WWW.SML.TEXAS.GOV](http://WWW.SML.TEXAS.GOV).” **Designed by [Big Bite Marketers](https://unleashbig.com/)**