Epic Real Estate Investing - BREAKING: Redfin's New Data Just Exposed WEIRD Market 'Loophole' | 1422

Episode Date: February 9, 2025

Let’s dive into a surprising report from Redfin that reveals a strange trend in the housing market! Houses are sitting on the market for much longer than during the pandemic, mortgage rates are stuck at 7%, and yet sellers continue to raise prices despite a drop in sales. As a result, the National Association of Realtors reports an unexpected increase in home sales and builder confidence. Discover three creative strategies to navigate this unusual market: the 40-year play, the interest rate escalator, and the interest rate split. Plus, learn about a shocking loophole for creating zero-interest money backed by major banks. Don't miss out on these unique opportunities - tune in and get ahead in the real estate game! Learn more about your ad choices. Visit megaphone.fm/adchoices

This is Terio Media. Hey, strap in. It's time for the epic real estate investing show. We'll be your guides as we navigate the housing market, the landscape of creative financing strategies, and everything you need to swap that office chair for a beach chair. If you're looking for some one-on-one help, meet us at rei-aise.com. Let's go, let's go, let's go, let's go, let's go, let's go.

Let's go. So Redfin just dropped this report, and honestly, it's pretty disturbing. Look, something really weird is happening in the housing market. And what I'm about to show you actually exposed this strange loophole that, well, let me just show you the data first. I mean, when Redfin, you know, one of the biggest real estate companies in the country, starts showing numbers like this, let's just say it's not pretty. And the data that I'm about to show you, it's actually kind of freaking me out. And I'm not usually the type to get worked up about market stats. But, well, just look at this.

Houses are now sitting on the market for two months. And that probably doesn't sound crazy until you realize these same houses were selling in, like, less than 30 days during the pandemic. And check this out. This is the part that's actually insane. We've got 5.2 months of housing supply right now. The last time we saw numbers like this, TikTok wasn't even a thing. Here, let me break this down into three things that'll probably blow your mind.

I mean, they blew my mind when I first read. through this redfin report. Thing number one, 54 days of nothing. Remember when houses were selling before the for sale sign even hit the lawn? Yeah, those days are gone. Like, gone, gone. Thing number two, $2,753. That's the median monthly payment buyers are looking at right now.

Almost a record high. With mortgage rates stuck at 7%, which is just, I mean, come on. Thing number three, the really weird part. Sales are down 9.4%. That's the biggest drop since September 2023. But here's the thing that makes absolutely zero sense. Sellers are still raising prices, like by 5.2% year over year. And it gets worse.

Check this out. Miami, down 25% in sales. 25%. Atlanta crashed 23%. San Diego and Houston both down about 20%. Pretty scary stuff, right? But here's where it gets really strange and where that loophole I mentioned starts to show up. I'm looking at all this doom and gloom from Redfin, right?

And then I see something that made me do a double take. The National Association of Realtors just reported something completely different. Get this. Home sales actually jumped 4.8% in November. First increase since 2021. Builder confidence? At a three-year high. Buyers?

Finally accepting rates between 6% and 7%. You see what's happening here? This weird contradiction is creating something that I've never seen before in real estate. I mean, you've got sellers. sitting on houses for months, still wanting their premium prices, but buyers starting to come back to the market and builders ramping up construction. This bizarre situation, this loophole, if you will, it's creating opportunities that I haven't seen since 2008, but only if you know how to play it right, because you've got motivated sellers who've been sitting for months, but you've also got

increasing competition coming from buyers who are done waiting for rates to drop. Look, what I'm about to share isn't exactly mainstream knowledge, but this small window that we're in right now, it's creating some pretty insane opportunities. And most people are completely missing it because they're too busy trying to figure out if the market is good or bad. But here's the thing. When you've got sellers sitting on houses for 54 days, still wanting their price, and you've got buyers starting to come back to the market, that's when you can get creative. And here's what we're doing. And you can do this if you're just shopping for a home to live in, too. Strategy number one, the 40-year play. My students and I were going to sellers who've been sitting for two months and saying, hey, you can have your price. But let's

stretch this out over 40 or 50 years instead of 15 or 30. The seller gets their number and buyers get payments that they can actually afford. Everybody wins. Pretty cool, right? Strategy two, the escalator. And this one's my favorite. You start at like, say, 2% interest, which is ridiculous, I know. But then you step it up slowly over time. And by the time you hit market rates, you've probably already refinanced anyway. Strategy number three, the split. Now, this one's cool. You split that interest rate payment, pay half monthly deferred. the other half until you sell or refinance. So your payments, they stay low and the seller gets their full return. A pretty clever win-win, right? Now, speaking of clever money moves, I need to show

you another one that's going to seem completely insane at first. You know how the really wealthy always seem to have these secret ways of getting money that regular people don't know about? Well, I stumbled on to something recently that honestly shocked me. And most people aren't going to figure this out, but after seeing what happened with some of my students, I mean, just last week, one of our guys in Phoenix basically created $150,000 out of thin air. No joke. The crazy part, zero interest. Yeah, you heard that right. Zero. And it's not some sketchy thing either. It's actually backed by major banks who created this loophole themselves. Pretty wild, right? Look, here's the deal. If you've got a decent credit score, we're talking 680 or better, and you haven't had any major financial hiccups in the last seven years,

you might want to check this out before they close this loophole. Just go to loopholelending.com, but do it soon because, well, you know how these things go. Once, two, many people find out about stuff like this. Just saying. All righty, that's it for today. Pretty wild stuff happening in the market right now, right? I'll see you next time. And that wraps up the epic show. If you found this episode valuable, who else do you know that might too?

There's a really good chance you know someone else who would. And when their name comes to mind, please share it with them and ask them to click the subscribe button when they get here and I'll take great care of them. God loves you and so do I. Health, peace, blessings, and success to you. I'm Matt Terrio. Living the dream. We got the cash flow.

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