Mortgage & Commercial Lending News.

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


Real Estate Investors: Money is well spent for a home inspection.

Posted by Jim Emerson

May 12, 2023 5:00:00 PM

Here at AMI Lenders, where we specialize in private money loans to finance real estate, we are frequently asked by our clients: “Should I go through the expense of getting a home inspection even if the seller (or their realtor) assures me that the house is in good condition?” And the answer is: most definitely yes!

Read More

Topics: houston, residential hard money loans, homeowners, business loans, AMI Lenders

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.

Read More

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

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.

Read More

Topics: houston, residential hard money loans, AMI Lenders

Pooling incomes in a multi-generational Household to qualify for a hard money loan in Houston.

Posted by Jim Emerson

Feb 2, 2022 9:00:00 AM

In one of our weekly updates, we recently wrote to our clients that home prices might be growing faster than rents in most places across the country. But, financially speaking, homeownership still beats renting, as shown by a new study from ATTOM Data Solutions, a real estate data firm. In about 6 out of 10 localities across the U.S., it is cheaper to own a home than rent, so it is still a good idea to own rather than rent, even more so in creeping inflation environments like we have been experiencing. Still, it is usually easier to sign a lease contract than to get a mortgage.

Read More

Topics: Hard Money Loans, houston, residential hard money loans, 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.

Read More

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

What will the 2021-2022 residential property market look like for Real Estate investors?

Posted by Jim Emerson

Aug 26, 2021 11:51:46 AM

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

Topics: houston, residential hard money loans, real estate investors, AMI Lenders

Learn How to Prioritize Repairs to a Fix and Flip Property and Make the Most of your Hard Money Loan.

Posted by Jim Emerson

Apr 1, 2021 12:13:52 PM

As Fix and Flip investments gain popularity, they can help experienced Fix and Flippers make a substantial profit. In the past four years, the average gross flipping profit for investors has been between $60,000 and $70,000. However, if you don't do it properly, it's also possible to end up with a loss instead. As the name suggests, these properties need to be "fixed" before they are sold again. Fixing most commonly refers to repair work. It may be tempting to repair a few things in the house here and there and resell them. However, we also recommend following the advice from a professional home inspector for the highest profit. 

Read More

Topics: hard money lenders, residential hard money loans, fix and flip

What Is the Difference Between a Non-Qualified Mortgage and a Qualified Mortgage Loan

Posted by Jim Emerson

Oct 1, 2020 12:26:19 PM

When looking for hard money loans in Houston, you'll realize that lending falls into two main categories: non-qualified mortgage and qualified mortgage loan. Although these loans provide lenders with much-need financial assistance, they're also different. Understanding the two types of loans is paramount when taking a mortgage. Continue reading for more information on how to select a loan that suits you.


Read More

Topics: mortgage loans, residential hard money loans, houston hard money lenders, non-qualified mortgage, qualified mortgage loan

High Cost VS Higher Priced Mortgages

Posted by Jim Emerson

Jun 10, 2020 5:15:55 PM


In 2010, and in response to the financial crisis that we now know as the Great Recession, President Obama signed the Dodd-Frank Wall Street Reform and Consumer Protection Act into law. The law places strict regulations on lenders and banks in an effort to protect consumers and prevent another all-out economic recession. It was this act that outlined a set of rules around higher priced vs. high cost mortgage rates.

Read More

Topics: mortgage loans, home buyers, dodd frank, residential hard money loans, private money lender

Houston Hard Money Lenders Advice for First Time Home Buyers

Posted by Jim Emerson

Apr 1, 2019 4:31:12 PM

Are you ready to own your first home? Do you have enough money saved for a down payment? Have you figured out how to finance the purchase? Owning a home is the number one goal for most people, and the more informed you are, the better chances you’ll have to get into the right first home for you.

Read More

Topics: residential investment, mortgage loans, home buyers, residential hard money loans, houston hard money lenders


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!

Recent Posts

Subscribe to Email Updates

Posts by Topic

see all