I’m still young and plan on continuing to put all my money in real estate for the next 10-15 years.

That is how I've operated for years, well before the NAR fiasco and as agents, we have always been advised from referring to status quo, standard, typical, etc when it relates to commissions.It continues to amaze me how many buyers/investors believe the agent value is finding them "deals."

We are ready to continue investing and are interested in traditional financing but want to learn more about Subject To and private equity and other creative financing methods. 

Consider adding this cost into your annual expenses, as it directly impacts your ROI.Incorporate Your 401k Loan Payments:Treat the 401k repayment like any other loan.

One important detail is that my brother currently lives with us, and we are open to having him stay with us if we do make a purchase as a renter to help cover our mortgage.I see our main options as the following:1) Buying an SFDU to live in, and "house hack" with my brother continuing to live with us and pay rent2) House hacking with MFDU.

Being client-centric means putting the interests of my clients first, even if it means walking away from a deal that could have been funded but wasn’t in their best interest.Unfortunately, some unethical lenders take advantage of borrowers, funding deals with the hope that the borrower will fail to repay, allowing the lender to foreclose and profit from the property themselves.

and for the record not here to bash, i know it has helped a lot of people and i know it will continue to improve. 

Although 2024 was generally considered a seller's market, based on what's going on in the new and the real estate market --- Do you think 2025 will be a buyer's market or continue to be a seller's market?

Th iincome needs to be reported on credit, has to have been received for 12 months and likely to continue for the next 3 years in order to count as income. 

Hi there - North Carolina continuing education provider and broker in charge here.