Real Estate Investing Insights Robin Treen

  When interest rates drop, it may seem like the perfect opportunity to refinance your mortgage and lower your payments. However, lenders can still reject refinancing applications for a variety of reasons, even if interest rates are favorable. In this blog post, we'll explore the top reasons lenders may decline a refinance request and what you can do about it. 1. Your Financial Situation Has Changed Your ability to refinance your mortgage is largely tied to your current financial standing. Just like when you first applied for your home loan, lenders will scrutinize your financial health. If you've experienced a change in employment, a drop in income, or increased your debt, it could raise red flags for lenders. They will reassess your credit score, income stability, and debt-to-income (DTI) ratio to determine your eligibility. A lower credit score or higher DTI could disqualify you from refinancing. 👉 Tip : Ensure your financial situation is stable before you apply to refinanc

  In the face of ongoing challenges within commercial real estate, property owners and brokers have been adapting through various strategies, while dealing with a range of stressors primarily related to rising interest rates, fluctuating property valuations, and vacancy rates, especially in office spaces. The pandemic initially caused concerns of a flood of distressed properties, but a more measured increase in distressed transactions has materialized, prompting owners to rethink their approaches. Coping Strategies 1. Flexible Financial Arrangements Commercial real estate owners have had to re-evaluate financing strategies to cope with higher interest rates. One method involves restructuring loans or selling stressed assets to buyers with a lower cost of capital. The distinction between “stressed” and “distressed” properties is crucial here—many properties maintain positive cash flow but struggle with inflated financing costs, prompting owners to seek equity injections or sale opportu

 For many seniors, retirement is a time to relax and enjoy the fruits of a lifetime of work. However, as property values increase in many areas, property taxes can rise sharply, placing a burden on retirees living on fixed incomes. Enter the Senior Freeze Program , a government initiative designed to stabilize property taxes for seniors. By freezing the assessed value of a senior’s home, the program shields them from the rising costs that come with increasing property values. In this blog post, we will explore how the Senior Freeze Program works, who qualifies for it, its pros and cons, and whether it's a good idea for seniors to participate. The post will also touch on variations in the program across different states, examples of its impact, and offer a comprehensive analysis for seniors deciding whether to apply. What is the Senior Freeze Program? The Senior Freeze Program, also known as a "Senior Exemption" or "Property Tax Reimbursement," is designed to red

The U.S. commercial real estate sector is facing a perfect storm of challenges, a reality noted by prominent investor Warren Wachsberger of Eldridge Acre Partners. According to Wachsberger, older commercial buildings, particularly those constructed before 2015, have experienced a dramatic reduction in occupancy—250 million square feet since the COVID-19 pandemic began. This drop is equivalent to losing an entire city the size of Manhattan from the commercial property landscape. In contrast, newer buildings, especially those constructed after 2015, have seen an occupancy boost of 140 million square feet. The root of the problem lies in the evolving demands of tenants. Older office buildings often fail to meet modern expectations for amenities and design, leaving them at a competitive disadvantage. These "stranded" assets, as Lauren Hochfelder, co-CEO of Morgan Stanley Real Estate Investing, calls them, are emblematic of a larger issue within the sector. Compounding the issue i