In today’s high-interest Housing market, RetroRate is helping buyers and sellers rediscover the value of assumable mortgages—home loans that can be transferred from seller to buyer, often at significantly lower rates than current offerings.

 What RetroRate Does RetroRate’s software scans public listings on platforms like Zillow and Realtor.com to identify homes with assumable mortgages. These loans, often backed by agencies like the VA or FHA, can offer monthly savings of over $1,000 compared to new mortgages—especially for homes purchased or refinanced during the 2–3% interest rate era.

 Market Impact Across 10 states, RetroRate found that 22% of listings had assumable loans, averaging 4.42% interest. The company also offers a concierge service—charging 1% of the purchase price—to guide both parties through the complex assumption process.

 Challenges to Consider

www.firstohiotitle.com
Who is FinCEN? FinCEN (Financial Crimes Enforcement Network) is a bureau of the U.S. Treasury tasked with protecting the financial system from money laundering, terrorism financing, and other financial crimes.

 What’s Happening on December 1, 2025?

 What Does It Cover?

• Non-financed (cash) purchases of 1–4 unit residential properties
• When the buyer is a legal entity (LLC, Corporation, or Trust)
• Includes sales, gifts, and some transfers unless exempt

 What Must Be Reported?

• Property address and details
• Name of the buyer (transferee) and their be
  Read More...

 In a recent development, Massachusetts has introduced a new law aimed at enhancing transparency and accountability in the landlord-tenant relationship. The law, which was passed recently, brings in a series of measures that seek to provide tenants with greater visibility into their rights and the responsibilities of their landlords.

Among the key provisions of the law are requirements for landlords to provide more detailed information to tenants regarding rent increases, lease agreements, and security deposits. Additionally, the legislation mandates that landlords must share project cost estimates with tenants before initiating any major renovations or repairs that may impact their living conditions.

These new regulations are designed to empower tenants by ensuring they have access to vital information that can help them make informed decisions and protect their rights. Landlords in Massachusetts will need to adjust their practices to comply with the new law and ensure that they fulfill their obligations towards their tenants.

Overall, the passage of this law reflects a positive step towards promoting transparency and fairness in the state's rental market, benefiting both landlords and tenants alike. Stay tuned for more updates on how this new legislation will impact the real estate landscape in Massachusetts. 

Co-living—once a niche concept—is now a thriving lifestyle choice for many seeking affordability, community, and flexibility. Whether you're a real estate enthusiast, a social entrepreneur, or just someone passionate about creating intentional living spaces, Ohio offers fertile ground for launching your own share house.

Here’s how to get started.

🏠 What Is Co-Living, Really?

Co-living is more than just roommates sharing rent. It’s a lifestyle built around shared values, communal spaces, and often, curated experiences. Think private bedrooms with shared kitchens, living rooms, and maybe even co-working areas. In Ohio, this can range from informal arrangements to structured group homes with services.

📍 Why Ohio?

Ohio is a hidden gem for co-living ventures. With its mix of affordable Housing, vibrant small cities, and supportive business ecosystems, it’s ideal for launching a share house. Cities like Tipp City, Cuyahoga Falls, and Bowling Green offer safety, charm, and community—all essential ingredients for successful co-living.

🧾 Legal Basics You Need to Know

Before you welcome your first housemate, make sure you’re on solid legal ground:

• Occupancy laws: Ohio requires at least 70 sq ft per person in single ro
  Read More...

🚌 Estimating & Rehab Bus Tour: A Hands-On Journey Through Dayton Real Estate

On June 20th and 21st, 2025, a vibrant green-and-red bus rolled through the streets of Dayton, Ohio—not as a sightseeing tour, but as a mobile classroom for aspiring and seasoned real estate investors. The “Estimating & Rehab Bus Tour” brought together a dynamic group of attendees for an immersive, hands-on experience in property evaluation and offer-making.

🔍 What Made This Tour Unique?

Unlike traditional seminars confined to hotel conference rooms, this tour took learning to the streets. Participants visited five real properties across Dayton, each offering a unique set of challenges and opportunities. With boots on the ground, they practiced:

• Estimating rehab costs with real-world examples
• Evaluating property potential based on location, condition, and market trends
• Making offers—with at least one offer submitted during the tour!

🛠️ Learning by Doing

The heart of the event was its workshop-style approach. Attendees didn’t just listen—they measured, calculated, and strategized. Guided by experienced investors and rehab specialists, they learned h
Read More...

 Real estate investing isn’t inherently difficult or complicated. Like many investors from my generation, we simply bought a house, made the necessary repairs, and rented it out. There were no computers, no internet—just a few books at the library, and that was about it.

 Ever feel like you're putting in a ton of effort into your business or investments, but the results just aren't matching up? It's a common frustration, and it often leads to one major problem: burnout.

As GDREIA Vendor member, Chad Harris, discusses in his latest podcast, burnout isn't just about working hard; it's often the direct result of putting in effort and not seeing the desired outcomes. When we feel like we're spinning our wheels, it's natural to get discouraged!

The Common Trap (and The Real Solution):
Many of us believe that if we just work harder on everything, success will follow. We try to manage every detail, pursue every opportunity, and perfect every task. While dedication is crucial, this "scattergun" approach can be counterproductive.

The truth is, we don't have to put massive effort into all actions.   The real secret [...] lies in identifying the one or two key areas that will truly move the needle forward. Then, it's about applying "massive
Read More...

 When we see reports regarding the "Dayton" Housing market, they usually include the entire area. But here is my report for those who invest in the city.