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

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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 add
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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
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 🏢 National REI Summit 2025: The Ultimate Gathering for Real Estate Investors

Mark your calendars—October 30 to November 2, 2025—because Cincinnati, OH is hosting the nation’s longest-running real estate investor conference: the National REI Summit 2025. With over 40 years of empowering independent investors, this summit is more than an event—it’s a movement.

💼 Why You Should Attend

Whether you're a seasoned investor or just starting your journey, the National REI Summit offers a powerhouse lineup designed to elevate your game:

• 🎤 Top-Tier Speakers
  Hear from industry leaders who share real-world strategies that work in today’s market.

• 🛠️ Hands-On Workshops
  Roll up your sleeves and dive into sessions that help you level up your deals—from rehab estimating to creative financing.

• 🤝 Unmatched Networking
  Connect with serious investors from across the country. Build relationships, find partners, and grow your network.

• 📈 Actionable Insights
  Leave with tools, tactics, and confidence to navigate the current real estate landscape.

🎟️ Early Bird Tickets Available

Spots are limited, and early bird pricing won’t last long. If you’re serious about investing, this is your
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🎉 GDREIA’s 46th Annual Picnic: A Celebration of Community and Real Estate Success

The Greater Dayton Real Estate Investors Association (GDREIA) recently marked a major milestone—its 46th Annual Picnic! Held in a welcoming outdoor setting, this beloved tradition brought together over 70 members, guests, and local officials to celebrate nearly five decades of empowering independent real estate investors.

🏡 A Gathering of Leaders and Learners

This year’s picnic wasn’t just about good food and sunshine—it was a vibrant showcase of community engagement. Attendees included prominent local officials such as:

• Willis Blackshear
• Andrea White
• Judy Dodge
• Phil Plummer
• Carolyn Rice
• Rodney Creech

Their presence underscored GDREIA’s growing influence and the importance of real estate investment in shaping Dayton’s future.

🍽️ Food, Fun, and Fellowship

From sizzling grills to heartfelt conversations, the picnic offered a chance for members to unwind, connect, and reflect on their shared journey. Families and friends mingled freely, enjoying:

• Delicious food and refreshments
• Engaging group activities
• A relaxed
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🚌 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 an
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 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.

We’re thrilled to announce two important updates within our vendor network at Greater Dayton REIA!

**Welcoming Our New Vendor Relations Chair – Paul Fiamengo**
A longtime member and seasoned investor, Paul Fiamengo is stepping into the role of Vendor Relations Chair. Paul brings a wealth of experience and dedication to strengthening the connections between our vendors and members. He looks forward to working with our current vendors and expanding the products and services available to our community.

For more details, visit our Board and Chairs page!

**Introducing Our Newest Vendor – Rodney Hines of Farmers Insurance**

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Presenters from the National Fair Housing Alliance will review:
 Special Purpose Credit Programs and the intersection of fair housing
 Best practices around community-based equity-focused homeownership
 Highlights of their publication “First Generation Foundations: A Guide to Advancing Equity with First Generation Homeownership Programs”

Ohio Presenters from County Corp and Homeport will:
 Discuss the opportunities they provide in their communities
 Their local equity-based homeownership programs
 Other services that enhance their communities

REGISTER HERE or CLICK THE IMAGE!

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The Families Flourish Program, (FFP), includes a mobility component to move families into neighborhoods and school districts that assist in a families’ specific career and educational development. FFP needs participating landlords who accept a subsidy as a part of the full market rate rent. This enables families to advance in their careers, create stability for the family through things like increased savings for college and aid minor children with superior educational opportunities. The subsidies continue for three years.  This is a successful program in Columbus, Ohio and is being expanded into the Miami Valley Region. 

Click HERE for a PDF version of the Participating Landlord Program.