“Victory comes from finding opportunities in problems.” – Sun Tzu
For most investors, identifying the current problems in the real estate market is easy.
To be fair, real estate investors have had some really big wins in recent years.
(To discuss harvesting your gains, Schedule a Personal Strategy Session here)
Taking a broader perspective, to feel doom n’ gloom about real estate investing may hint of unseasoned entitlement (as the quote below highlights).
“Most people miss opportunity because it is dressed in overalls and looks like work.”
– Thomas A. Edison
What? Work?!? Who needs to do that?
After the ride we’ve had on the coattails of massive QE (a.k.a. money printing), it’s no wonder we’d prefer to wait for the next rescue rush to jump in and ride our assets higher (Fed pivot, anyone?).
The era of decreasing productivity (ex. health-based economy shutdown) and yet, increasing returns in stocks, bonds, real estate, etc… has been sending investors false signals.
It’s been telling capital you’ll be easily rewarded in low-productivity sectors.
While there’s nothing wrong with some entertainment, if we shift our investment and workforce toward building apps to share pictures … Where’s the essentials, like energy, housing, and food, going to come from?
Today, as higher borrowing costs dry out liquidity for excess speculation …
True investing (as opposed to gambling) does not base its success on speculation in regard to Fed policy. When the tide goes out (as the Fed pulls the easy-money rug out), true investors are still clothed (their investments are still standing strong).
Fundamentally sound investments do not need mortgage rates to come down, asset prices to inflate, rents to rise, etc… in order to create a risk-adjusted reasonable return. While there’s no risk-free investment, there’s a difference between well-underwritten investing and gambling.
Smart money is accepting of a much-needed correction in the real estate market. Savvy investors remain poised and ready to take advantage of real, valuable opportunities as they are discovered.
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USA Mortgage NMLS #227262 / Stephanie Riley
NMLS #2047373 AZ: Stephanie Riley, 2266 S. Dobson Rd Suite 200, Mesa, AZ 85202, Mortgage Banker License 1015438; GA: Residential Mortgage Licensee (2047373) 2266 S. Dobson Rd Suite 200, Mesa, AZ 85202; TN: 2047373 CA: Licensed by the California Department of Business Oversight under California Residential Mortgage Lending Act; CA-DFPI2047373 FL: LO88105 OH: MLO-OH.2047373 IN: 52858 TX: Stephanie Riley, 2266 S. Dobson Rd Suite 200, Mesa, AZ 85202; CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N. LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT 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 MORTGAGE BANKER 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.; 2047373 AR: Stephanie Riley, 2266 S. Dobson Rd Suite 200, Mesa, AZ 85202, (530) 510-1504; 124442 PA: Licensed as a first mortgage banker by the Department of Banking and licensed pursuant to the Pennsylvania Secondary Mortgage Loan Act; 91793 VT: MLO-2047373
Not a commitment to lend. Additional terms and conditions apply.
DAS Acquisition Company, LLC dba
USA Mortgage is not affiliated with or endorsed by any government entity or agency, including USDA, HUD or VA. All employees, unless individually licensed and specifically denoted in their credentials, are not qualified to, and are prohibited from representing themselves as accountants, attorneys, certified financial planners, estate planners, investment specialists or tax experts, and will not advise you in those matters. Always seek the advice of a licensed professional for such services.
Licensed Lending Area: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NH, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WV and WI. AZ License Number: 942577. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, Regulated by the CO Division of Real Estate, Georgia Residential Mortgage Licensee #33479, MA #ML227262, OH #RM.850291.000, Licensed under the Oregon Consumer Finance Act, OR License #ML-5723, TX: 2150 S. Central Expressway, Suite 310, McKinney, TX 75070, WA #CL-227262.
Headquarters: 12140 Woodcrest Executive Drive, Suite 150, St. Louis, MO 63141 - (888) 250-6522.
Licensed Branch: 2266 S. Dobson Rd. Suite 200, Mesa, AZ 85202 - (833) 476-9332.
Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker 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. 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 license mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with an 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.
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