Join TRET for it's 16th episode, as Stephon discusses the effects of current interest rate activity on the real estate market.
Thursday, August 17, 2023
Saturday, July 31, 2021
Stick With Properties—For Now
Cautioning against whole loans almost goes against the very
nature of this blog, which promotes all profitable methods of real estate
investment. Whole loan trading and valuation is the very reason why I started
this blog and whole loan investing can be a great way to find hidden value real
estate. That said, the following are various reasons why whole loan investment
is not the best strategy in the current market:
Tuesday, July 13, 2021
12 Baffling Mortgage Acronyms Explained (UK)

Wednesday, June 30, 2021
Foreclosures and the Moratorium
An increase in residential foreclosures and evictions is certainly bad news for affected homeowners and tenants, who will have to find new living arrangements, undergo costly moves in short timeframes, uproot their lifestyles and, in some instances, face long term financial effects. Increasing foreclosures will also serve as a market correction in the real estate market, which is currently driven by inventory scarcity. Amidst the market change and its social implications, many real estate investors can be left wondering which strategy to employ. The answer is simple—any or all of them.
Sunday, April 4, 2021
ARMs: A Quick Look
Thursday, February 23, 2017
Property Maintenance Laws and Lending

Thursday, September 8, 2016
My How Local Lending Has Changed!

Friday, May 27, 2016
Monte Carlo Mortgages

Tuesday, February 16, 2016
From Property to Liens and Back

Friday, January 29, 2016
Same Mechanism, Different Crisis
The political affiliation of both former heads of the FDIC is tangential to my point, however, I mention it to make two observations. The first observation is that both Mr. Seidman and Ms. Bair are linked by political party. The second is that the economic climate forced them to participate in the goverment takeover of private companies and their assets, an idea that is antithetical to most Republican ideology.
Although one of the chief duties of the FDIC is to close failing institutions and liquidate their assets, under most normal economic circumstances, this duty of the FDIC is either carried out infrequently or confined to a certain sector of the market. Both the S&L crisis of early 1990's and the Great Recession of the late first decade 2000's, however, forced the FDIC and other government agencies to either take ownership an stake or fully national financial institutions in a large, systemic manner.
Sunday, October 4, 2015
Mortgage Backed Securities and Personal Bankruptcy

Tuesday, March 3, 2015
Special Purpose Entity Bankruptcy Concerns for Mortgage-Backed Securities
As a quick review, I would like to restate that mortgage-backed securities are the result of a process of securitization that takes place when a real estate lender sells a package of its loans to an entity, called and SPE. The SPE receives the money to purchase the loans from the sale of either securities, beneficial interests in the entity or trust certificates from a trust set-up to hold the loans. If securities or trust certificates are sold, they are called mortgage-backed securities (MBS). Through the securitization process, real estate lenders are provided with cash to originate more loans and investors are able to purchase MBS and invest in the real estate market without having to hold real property. If you question why one would want to invest in the real estate market at all, please see my earlier post, “Why I Choose Real Estate.”
Tuesday, February 24, 2015
Lender Bankruptcy and Mortgage-Backed Securitization
