"Headline CPI jumped to 3.3% on the back of a wartime energy spike, but core inflation held at 2.6%. The Fed will look through the noise if the ceasefire holds. For borrowers and investors, this is the moment to move while the market digests conflicting signals."
Strategic Liquidity. High cost area limits for 2026 empower buyers up to $840,000. This is the tactical foundation for strong credit profiles seeking to optimize long term leverage.
Tactical Leverage. We are using FHA financing to bridge the gap for buyers with higher debt ratios ensuring success in competitive multiple offer scenarios across Southern California.
Elite Access. The premier tool for those who served. 0% Down · No PMI. We specialize in positioning VA offers to win against traditional bids in high demand coastal markets.
Compliance Reminder. Signed Buyer Representation agreements are mandatory prior to property tours. California law caps initial terms at 90 days to protect your flexibility.
Effective immediately, all cash acquisitions by entities require beneficial ownership disclosure to federal authorities for residential properties up to 4 units.
Institutional Refinements. New 2026 zoning guidelines have simplified ADU conversions. This is currently the primary mechanism for forced equity expansion in high density portfolios.
Wealth Prep: Ensure 2025 depreciation schedules align with your 2026 acquisition goals.
Primary: SALT cap adjustments are providing tactical relief for California property owners.
A rare off market estate opportunity in Carson. Well positioned asset with strong equity fundamentals and immediate value add potential. Exclusive access for Private Clients only.
Troy Mire · CA DRE #01199870 · NMLS #1795353
Deployed $900,000 for a residential acquisition in Cerritos.
Cleared in 5 Days. Asset based private capital utilized to secure the property ahead of conventional competitors.
Engineered for business owners where tax filings do not reflect actual liquidity. We qualify based on 12 or 24 month deposit history to maximize purchasing power.
Run My Scenario →DSCR structures focus solely on property rental income rather than personal DTI. A powerful tool for scaling a portfolio without traditional income constraints.
View Investor Pricing →Adjust the inputs below for an instant estimate including taxes and insurance. For a precise qualification and your actual APR, contact the team directly.
* Estimate shown is principal and interest only at the benchmark interest rate. APR varies based on loan amount, credit profile, LTV, property type, term, and fees. Tax estimate uses entered rate applied to purchase price, divided by 12 months. Insurance estimated at 0.5% annually. Actual figures subject to credit, property type, location, and market conditions. This is not a loan commitment or offer to lend. For your actual rate, APR, and qualification, contact Troy Mire directly. CA DRE #01199870 | NMLS #1795353. Equal Housing Lender.
Get My Actual Rate →Friday's March CPI report landed at 3.3% annually, the highest reading since April 2024, driven almost entirely by a 10.9% surge in energy costs tied to the Iran conflict. Gasoline alone jumped 21.2% in a single month. The headline number will grab attention, but the number that matters for the Fed and for mortgage pricing is core CPI, which came in at 2.6% and actually undershot expectations. Shelter costs rose just 0.3% for the month and 3.0% annually, the lowest since August 2021.
The 30 year fixed sits at 6.37% after the ceasefire pulled rates down nine basis points last week. That relief may be temporary. Treasury yields were already ticking back up by Thursday as markets questioned the durability of the two week agreement. Mortgage application volumes have now declined for four consecutive weeks according to the MBA. In Southern California, inventory is tracking roughly 10% above last year but listing activity remains suppressed by the lock in effect. The $800K to $1.2M range continues to offer improved negotiation leverage while coastal luxury above $2M stays competitive.
Core inflation at 2.6% gives the Fed room to look through the energy driven headline spike, but rate cuts remain off the table near term. The next Fed decision is May 7. The ceasefire window is narrow and any resumption of hostilities would push Treasury yields and mortgage rates higher immediately. Lock pricing while this window holds.
NOD filings have now risen for twelve consecutive months year over year. Rising energy costs and four straight weeks of declining mortgage applications are adding pressure to overleveraged borrowers. California's foreclosure rate remains below the national average at 0.06% but the pipeline is building. Private capital and bridge solutions are in demand as distressed opportunities accelerate into Q2.
If you or someone you know has received a Notice of Default, has an active lien on their property, or is falling behind on payments, there are options. Acting quickly is the single most important factor in preserving equity and protecting your credit.
We work with homeowners and investors in distressed situations every week. Private capital, bridge solutions, and strategic options exist that most people never hear about until it is too late.
This content is for general informational purposes only. It does not constitute legal, financial, or tax advice, nor a commitment to lend or a promise to cure any default. Results vary based on individual circumstances. Consult a licensed California attorney regarding foreclosure, lien, or default matters. Troy Mire · CA DRE #01199870 · NMLS #1795353 · Equal Housing Lender.
You typically have 90 days before a trustee sale is scheduled. That window is your leverage. Contact Troy to explore your options.
Liens cloud title and block transactions. We help structure payoff solutions that protect your ability to sell or refinance.
Bridge capital and private money can cure arrears, stabilize the asset, and buy time to restructure or sell on your terms.
The ceasefire gave rates a brief reprieve. Inflation data is sending mixed signals. This is exactly when prepared clients separate from the field. Contact the team for a confidential rate lock and portfolio strategy session.
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