By Vena Jones-Cox

If you don’t do subject to, this probably isn’t going to interest you a lot, but if you do, here’s a weaponized autism evaluation of the new FHA modification rules for ya:

I just talked to about the fifth FHA-insured loan holder in three months who re-defaulted after a loan modification in which both the interest rate AND the payment went UP.

By Vena Jones-Cox

The time to do big cosmetic renovations on your rentals is when property values and rents are climbing, and incomes are keeping up with rents. In those scenarios, it’s easy to BRRRR your way out of $20k in new kitchens and bathrooms, and it’s easy to justify the cost of the improvements, because…

By Vena Jones-Cox

Ya’ll.
PLEASE stop asking general-purpose AI for financial and real estate advice. Or…go ahead and ask it. But don’t automatically do what it says. I’m not saying AI isn’t useful. I use it every day. And there are people building specialized GPTs and AI agents that are trained on particular kinds of…

by Mr. Land Trust®

There are few (if any) benefits to owning investment real estate in your own name. There are many reasons NOT to own investment real estate in your personal name. Here is a real-life case in point.

by Mr. Land Trust®

I write and teach a lot about the many benefits of using a Land Trust to hold title to real estate investments. There is a lot of misinformation in the marketplace about Land Trusts and a lot of bad advice given regarding these title-holding trusts. After using these trusts for more…

By Vena Jones-Cox

Note: Laws and regulations regarding the advertising, registering, and formalization of private loans vary enormously state-to-state. Generally, these rules apply to the borrower rather than the lender, but even lenders should be aware of what the laws in your state say about these transactions. Of course, this article is not intended as…