Good morning to a New Month of exciting potential;
Residential Lending
Fruits of preparation & Smart Buying – Call us. Call now.
The Middle East conflict seems the singular driving force of the market, with oil prices key. It is affecting everyday decisions and our finances. Good News: It has not decimated the interest rate market while gas pump prices remain below Biden gas prices. And, we are now net exporters of oil. So don’t let market speculators cause uncertainty. Keep, stay, and be better prepared. It is here I can be of great help. I will share a bit more in my below Perspective.
Key: Find a financial professional who cares about you, as their first priority, Call today.
Need a unique interesting Loan programs?
Always check with us. If you find yourself in a need of special financing or lost your current specialized lender, or have a friend not quite fitting into the conventional box. Call us.
You hold crypto? We have lending partners willing to consider their value, with some restrictions – assets to close, assets for translating to income. The market dynamics change and we have lenders changing with the times.
General News from the Nationwide Landscape
1) Housing: Permits 1.45M, Starts 1.40 M, Completions 1.53M. Looking ahead, builders are easing up on the gas pedal to avoid over supply. On the demand side, Household Formation is running about 1.41M. Overall, this looks like an in-balance market. IF mortgage rates drop, household formation will likely rise faster than supply, bringing new appreciation.
Each of us is on a unique path to home ownership. Note this key to success: Early work secures a better range of options and control of timing, when it comes to buying and financing a new home. It is a great way to become the “better” shopper – before buying. Good News: We can help you now, before you take the next big step.
My Best Advice:
Key: Make this month your month to prepare.
We can show you how to buy now and still enjoy future rate cuts. CALL!
2) In-Balance Market: This is the outcome when a housing market is fairly balanced – Supply matching up with Demand, You have stable prices and fewer speculators. In this market, property values typically move in-line with inflation. Key: Before you buy, drill down into your local markets to see how they compare to the general trend. We can help.
3) Interest Rates: We most commonly track the 10-Year Treasury. This number has moved out of my anticipated range of 3.75 – 4.25 %, to holding above 4.3 %. Uncertainties of oil prices.
4) Economy: Final reading for Q4 GDP was revised lower from .7 % to .5 %. This incorporates the government shutdown and resultant softening of the economy. Don’t miss the fact the number is still positive!
New news: The upper middle class is now the largest income group in the US, according to American Enterprise Institute, highlighted by the Wall Street Journal.
The report states the lower rungs of the middle-class shrank, as more Americans got richer. Note: In 2024, 31% of American families were upper middle-class, compared with just 10% in 1979 – those defined as a family of three, $133k to $400k in 2024 dollars. Meanwhile, the share of American households in or near poverty, declined from almost 30% in 1979 to below 19% in 2024.
5) Perspective: We are in a world of a vast range of strong opinions demanding their place on the air waves. For me, stay in the middle, seeking facts and perspective, not the emotional.
Let’s consider inflation fears. Government number, too often relied on, are pushing 3 % – give or take oil fluctuations. Yet, TruFlation reports – removing the faulty housing component – shows inflation below or touching 2 %. Yet, the in real world, consumers are quick to shift their actual spending habits. Key: Consumers set the price and place value, regardless any printed price tag. Here, there is a vast different sense of inflation. Key: A 3 % increase in household income, cover a lot of smaller expenses that jump 10 %. This is life, not numbers, and why I have ‘devils advocate’ style of conversation.
6) Flip side to Inflation: US electricity prices dropped from 1800’s to 1974. Then fear mongers interrupted and stopped nuclear construction. Outcome: Had regulation not intensified, ARK’s research suggest electricity prices would be about 40 % lower today. Looking ahead, as low-cost power generation scales up and serves the power-hungry A-I data centers, retail electricity prices should resume their decline. Good news after 50 years of stagnation, except in CA. Here you kick out refiners and outlaw nuclear. Vote wisely.
Residential Real Estate
Loan spotlight: Change for the positive. Now more options and variations to measuring what’s called qualifying incomes. From our traditional full income documentation, we now add “stated income. Here we can now use: 1) assets as income, 2) Overtime, 3) RSU’s, and more. Even more: Workable low down payment and down-payment assistance programs are once again available. Let’s talk before acting and what better time than now. Preparation is key.
Good news: Commercial Real Estate
Excellent investments are at hand.
Early Preparation Is Key – Start Now
Manufacturers: SBA has increased the loan limits 2X! Great news for manufacturers, especially SBA 504 loan program. Please call for all the many positive benefits. Small business is the true heart of the American spirit – Made In America!
Rents, Rates and Inflation: Trending sideways with a slightly negative overall direction. Deflation? Some, but little overall.
What makes Mike Ryan special is In What we do
Our work begins and ends with you. We meet each person where they are. Offering effective guidance leading to solid, stable, and actionable options and choices. All with a uniquely individual flavor. Give a ring today. Let us help build a solid path for you and those you care about. “Preparation and Patience” wins.
A benefit to our clients: We develop relationships far and wide – over the decades. With each relationship, comes different tools and financing options. My “Associates” are one such special tool, bringing a more comprehensive financial approach to your plans and strategies.
More tools:
– 1031 Exchange: Standard 1031, construction 1031, reverse 1031. With rates falling, this will become more significant.
– Privacy: An LCC business manager, signed papers for a very high, net-worth individual desiring name privacy.
– Pay Capital Gains or Not: A powerful legal strategy, one where capital gains taxes are deferred and current assets remain fully available for a similar re-investment. The beauty: This tool is approved by the IRS. It shelters you against a sizable income tax bills. Keep your money working for you. Don’t miss out – CALL Today.
Bottom Line: Spring Buying Season
Buying Options are far and wide.
Key: Call now for our first Conversation,
Bringing together financing options customized for you.
We look forward to meeting with you, on the phone or face-to-face. Here we can talk through questions, thoughts, and solutions. All in the name of serving you best, with no surprises.
Key: Know who and what’s most important. Never forget those we have around you. Be well and be safe! Enjoy your family and friends.
