Epic Real Estate Investing - Trump’s Fannie & Freddie Bombshell (And Homeowners Are On the Clock) | 1492

Episode Date: May 29, 2025

In this episode, we discuss the impact of rising mortgage rates following Trump's consideration of privatizing Fannie Mae and Freddie Mac. Homeowners like Maria are caught in the crossfire in an unstable market, leading to increased rates and stricter lending standards. The episode also critiques the traditional real estate agent model, advocating for a more competitive approach where agents invest upfront to secure listings. The discussion emphasizes the importance of working with committed agents to navigate the complexities of today's housing market. BUT BEFORE THAT, hear the news about Wall Street’s $10 trillion plan that is going to keep you renting forever! Get started with off-market deals: https://docs.google.com/document/d/1EV7cmIuBujFRZqOswpj5Rz5NwdMdY7EddVxbux3rAMY/edit?tab=t.0 About that thing we're doing in Vegas this month: https://intensive2025.com/ Make Agents Compete for You—Get Paid Before You Sell. Don't Let Rates Sink Your Profits: https://drive.google.com/file/d/1T_qDlkeecWRox1TKTeIUIcv-18RugXoL/view 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-i-a-s.com. Let's go, let's go, let's go, let's go, let's go, let's go.

Let's go. They already bought 300,000 homes. But that was just the opening move. Now Wall Street is pouring $10 trillion into a plan that could erase homeownership for good and lock the nation into permanent rent payments. Do you think the American dream is about owning a home? They think it's about owning you. Because that's what they don't want you to realize.

This isn't just about buying homes. They're building a new system, one where ownership becomes privilege, and you're just a lifelong subscriber. No equity, no exit, Just endless payments to Blackstone, Invitation Homes, or some faceless reet with your neighborhood on its balance sheet. And the craziest part, this isn't a conspiracy. It's already happening. You'll know exactly how this works, where the money is coming from, what their real endgame is, and most importantly, how you can get in before the ladder gets pulled up for good. Because while the headlines are telling you, you'll own nothing and be happy, I've got a different plan.

You'll own something and you'll be ready. Let's start here. Wall Street firms now own over 300,000 single-family homes in America. Black Rock, Blackstone, Invitation Homes, Prectium Partners, Tricon Residential. These aren't landlords. These are empires. And they're not stopping. According to analysts at MetLife Investment Management, institutional investors plan to sink $10 trillion into residential real estate by the end of this decade. Why? Because rents go up and tenants don't complain as long as they have Wi-Fi and a working fridge. They're not investing in homes.

They're investing in dependence. Here's how they win. They don't need the cash flow $300 a month on a rental. They just buy the whole zip code and control the comps. They rent the house next door to yours for $400 more than last year. And just like that, your rent goes up too. This isn't capitalism. This is a monopoly with nice landscaping.

They buy in bulk 50, 100, 300 homes at a time before they ever hit the MLS. They use reets, hedge-present. funds, pension funds, even your own retirement dollars to fund the machine. Then they turn your neighborhood into a bond, literally. They bundle the rent payments into securities, sell them to investors, and walk away with guaranteed cash flow. And the crazy part, even if the house loses value, they're fine because they're not betting on the property. They're betting on you never escaping the payment. Here, let me show you what that looks like. In Florida, corporate landlords like Amherst Holdings are slashing rents by 20 to 30% just to stop the bleeding.

Their homes are sitting vacant. Insurance costs are exploding, and their cash flow, it's collapsing. But here's the trick. They don't care. They'll sell that home at a loss if it protects the bigger portfolio. They're not emotional. They're institutional. And if it nukes the comps in your neighborhood in the process,

collateral damage. This isn't just about making money. It's about removing the middle class from the equation. because every time they buy one more property, your shot at ownership moves one step further out of reach. And if you've been told you missed the boat, housing, it's too expensive, just rent for now, guess who paid for that narrative? The same people buying the homes.

Let me say this plainly. You're not priced out by accident. You're priced out on purpose. But while everyone's arguing about affordability on X, Wall Street's executing its plan, quietly, systematically, and fast. That leaves you with two options. One, you just keep renting the dream from someone who already owns it.

Or two, get in now, even if it's just one door, one deal, one property at a time. And there is some good news here. Wall Street can't do what you can. They can't knock on doors. They can't write seller letters. They can't build relationships or structure creative term. They don't do seller finance. They don't negotiate subject to.

They don't take over payments or, work directly with motivated sellers, that's what you do. And that's your edge. Look, you're not going to outbid a hedge fund on Zillow, but you can outsmart them off market. Even if you don't have a fleet of boats in the water, you only need one to stay afloat, just one deal, one cash flowing property, one wedge into the game before it's completely closed off. Because this tidal wave, it's happening with or without you. But if you know a rising tie lifts all boats, why would you stay on shore?

Get a boat. Even if it's small, even if it's ugly, even if it's your first, you don't have to build a Wall Street portfolio. You just need to own something before they own everything. If you're ready to stop renting the dream and start owning a piece of it, that's what we do over here. Show people creative ways to get in, even if you don't have the cash or credit banks require. If you want some help, let me know.

You might like what we're doing this month in Vegas. Maybe that's the move for you. Either way, though, just promise me this. Don't wait for them to give you permission. They never will. I'll link a document in the description below on how to get started with off-market real estate in case you want to dip your toe in the water and try this on your own for a while. Take care.

Ever hear someone say, I have too much money? Me neither. Let's get you some more. Back to the first. the show. Trump just reached for the pin, and mortgage rates are already jumping. The fallout? It's not just about Fannie and Freddie. It's homeowners, like Maria, who could become the unintended casualties. She did everything right, but even the smartest sellers can get blindsided in a market this unstable. Here's what's happening behind the scenes. Mortgage rates just spiked to 6.86%

according to Freddie Mac. That's the highest we've seen in months. And it's not really, random. Because bond markets. They're in full panic mode. Investors are dumping U.S. bonds because of new tax proposals, rising government debt, and a wildcard announcement from Donald Trump. Last week, Trump said he's seriously considering freeing Fannie Mae and Freddie Mac, taking them out of government control for the first time since the 2008 crash. And if you're thinking, wait, what does that even mean? Well, let me break it down. Fannie Mae and Freddie Mac guarantee over 40% of U.S. home loans, not just for homeowners, but investors too. They buy loans from banks, so those banks can keep lending. That keeps credit flowing and rates low. If they're suddenly privatized without a rock

solid plan, it could send shockwaves through the housing finance system. I mean, we're talking stricter lending standards, fewer loan approvals, and yes, even higher interest rates. Think that's dramatic? Lori Goodman from the Urban Institute said it bluntly. Without a well-defined vision, exiting conservatorship could cause havoc in financial markets and in the U.S. housing market. And here's the worst part. Nobody agrees on what that vision should be.

Meet Maria. She just landed her dream job in another state. She's smart, fast, and organized, got professional photos, priced her condo competitively, made it super easy to show. Now she just needs to sell quickly before she relocates. Easy, right? Here's what happened next. Maria got three proposals from local agents.

One promised full service, but wanted top commission with minimal marketing. Another wanted more money, but offered slick ads and digital exposure. A third pushed for a lower list price to guarantee speed and wouldn't budge on the commission at all. So no clear winner, no way to know who's legit. and the clock is ticking. She's got rent due in the new city. Her mortgage still active on the old one.

And every week the property sits, it's burning cash. And with rates rising and market uncertainty growing, the longer she waits, the harder it gets. Maria's not just selling a condo. She's racing a ticking clock. And the worst part, she's stuck choosing between agents who are guessing. You're expected to choose a real estate agent based on vibes, commission math, or whose face is on the local bus bench, no transparency, no leverage,

and zero way to verify what an agent is actually going to do. There was a time when a great real estate agent truly made a difference in how fast your home sold and how much you got for it. But over the last decade, the market has been booming. Homes have been selling in days. Prices skyrocketed, and suddenly anyone with a license and a pulse looks like a genius. The truth? The market was done.

doing the work, not the agent. Now that the market's cooling off, the tide's gone out, and we're finally seeing who's been swimming without pants. You can still get top dollar in today's market, but only if you pick the right agent. And the real question is, how do you know actually who's legit and who just got lucky? You're the one selling a six- or seven-figure asset, and yet they're the ones interviewing you? How does that make sense? Look, I'll give it to you straight. Real estate works. Sellers can still sell. Investors can still flip. It's still the most proven way to build wealth in America, especially with inflation doing what it's doing. But owning or selling property the old way, that's where people have it tough. That's where people can lose. Sellers are being crushed because the system puts all the power in the agent's hands, not yours. And most buyers, they're getting scared off by rates and bad advice, even though creative financing has never been more relevant. Let's call it what it is. The traditional agent model, it's outdated.

It's like using a flip phone in the age of iPhones. So the question is, is the problem real estate or the way that you've been told to do it? Because what if agents had to compete for your listing? What if they had to put real money on the table? Before you even signed, what if the process wasn't just easier, but actually profitable for you? But in this market, just any old agent ain't going to cut it. You don't need a listing taker. You need a teammate, someone who's committed,

who puts their money where their mouth is, and is willing to bet on your sale with their own cash. Because when the pressure is high and you're on the clock, the agent who's invested will fight harder, think smarter, and work faster, like your outcome actually matters. Now, picture this. You get paid just for listing your money. property, not when the deal closes on day one, and not from the buyer, from the agent who's putting

money in your pocket up front, just for the privilege of representing your property. Why? Well, because they know your home is valuable and they're willing to prove their commitment before the first showing even happens. When agents compete with skin in the game, guess what happens? They hustle harder. They sell faster, and you make more. In fact, homes sold through this model go for 12% more on average. So yeah, the old way, it's not just outdated. It's expensive. I put together a simple one-page breakdown of how this works.

The link is below in the description. You'll see exactly how to create agent competition and walk away with the upper hand like Maria wished she had. Here's the truth. Real estate, it's not broken. the way most people do it is. Trump's bombshell announcement may shake the market. Rates are climbing, and the exit doors are getting crowded.

You're on the clock. So pick a pro who acts like it. Get what you deserve. Sell on your terms and never fly blind again. I'll see you next time. Take care. 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 a epic show. 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. Yeah, yeah, we got the cash flow. You didn't know home for us. We got the cash flow. This podcast is a part of the C-Suite Radio Network. For more top business podcasts, visit c-sweetradio.com.