"The 30 year fixed dropped again to 6.23%, the lowest in three spring seasons, and the S&P 500 just hit a record above 7,165. But the Strait of Hormuz remains closed, oil is stuck near $96, and the Fed meets tomorrow. Rates are moving in your favor right now. How long that lasts depends on what happens in Islamabad and Washington this week."
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 Lakewood. 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 $650,000 for a residential acquisition in Los Angeles.
Cleared in 10 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 dropped to 6.23% this week according to Freddie Mac, marking the lowest level in three spring homebuying seasons and down from 6.30% the prior week. Purchase applications and refinance activity both picked up. The S&P 500 closed at a record 7,165 on Thursday, powered by a massive Intel earnings beat and continued AI spending momentum. The Nasdaq gained nearly 1.6% on the day alone. But the rally runs alongside serious geopolitical risk. The Strait of Hormuz remains effectively closed as the U.S. and Iran standoff enters its ninth week. WTI crude is trading near $96 per barrel. Trump instructed negotiators to suspend talks, though Iran subsequently submitted a new proposal via Pakistani mediators calling for a ceasefire extension and the lifting of the U.S. port blockade.
The 10 year Treasury is holding near 4.31%, up about 7bps on the week as the Hormuz closure keeps oil elevated and inflation expectations sticky. The Fed meets April 28 and 29 and is widely expected to hold rates at 3.50% to 3.75%. Markets now see less than a 25% chance of any rate cut by year end, down sharply from earlier expectations. Powell's term as Chair expires May 15 and the transition to nominee Kevin Warsh creates additional uncertainty around forward guidance. In Southern California, inventory remains supply constrained at 2.9 months. The $800K to $1.2M range continues to offer negotiation leverage while coastal luxury above $2M stays competitive.
Rates at 6.23% represent the best pricing in three spring seasons. But the 10 year yield ticked up 7bps this week on Hormuz concerns, meaning the rate drop could reverse if oil stays elevated. The Fed decision lands tomorrow and a hold is nearly certain. Lock pricing now. The next catalysts are the April jobs report (May 2) and April CPI (May 13). If energy driven inflation remains hot, the window for rates near 6% closes.
ATTOM's Q1 2026 data shows foreclosure filings up for a thirteenth consecutive month year over year. March saw 45,921 filings nationally, up 28% from a year ago, with California recording 7,985 foreclosure starts in Q1 alone. The IEA is now calling the Hormuz closure the largest energy supply shock on record. That kind of sustained cost pressure accelerates defaults among overleveraged borrowers. Private capital and bridge solutions are seeing increased demand as the distressed pipeline builds heading into summer.
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 30 year fixed just hit 6.23%, the lowest level in three spring homebuying seasons. The Fed decides tomorrow, oil remains volatile, and the Hormuz standoff could push rates back up at any moment. If you have been waiting for a window, this is it. Contact the team for a confidential rate lock and portfolio strategy session.
Request Strategy Session