"Rates pulled back nine basis points this week, breaking a five week climb. The spring window just cracked open wider. Clients with capital committed and a clear thesis are the ones who will capture the best positioned assets in Q2."
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 →The 30 year fixed pulled back to 6.37% this week after five consecutive weekly increases pushed the benchmark to 6.46%. This is the first meaningful decline since early March and brings conventional pricing back below where we opened Q2. A year ago the same index stood at 6.62%, so borrowing costs remain lower year over year despite recent volatility.
Inventory across California is tracking roughly 10% above last year but remains well below historical norms. The lock in effect continues to suppress listing activity as approximately 80% of California homeowners hold rates below 5%. In Southern California, the $800K to $1.2M range is showing improved negotiation leverage for buyers while luxury product above $2M remains competitive in coastal Orange County and the Bay Area.
The rate pullback this week gives buyers breathing room heading into peak spring activity. The Fed held rates on March 18 and the next decision is May 7. Inflation at 2.4% keeps cuts uncertain through mid year. Updated pre approvals are essential as new inventory enters the market.
NOD filings have now risen for twelve consecutive months year over year. California's foreclosure rate remains below the national average at 0.06% but the upward trend is building a sustained pipeline for bridge and private capital deployment. Early movers are securing distressed assets before broader competition arrives.
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.
Rates just reversed course after five weeks of increases. Contact the team for a confidential rate analysis and portfolio review while this window holds.
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