November 9, 2025

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Fannie Mae’s 5% Down Payment Policy Revolutionizes Multi-Family Property Ownership

A Game-Changing Policy for Multi-Family Buyers In one of the most significant housing finance updates in recent years, Fannie Mae has rolled out a policy that could transform how buyers enter the real estate investment market. Effective November 18, 2023, Fannie Mae now allows qualified borrowers to purchase or refinance owner-occupied 2- to 4-unit properties with just a 5 % down payment — a...

Unlock Hidden Equity with an SB9 Lot Split in California

What Is an SB9 Lot Split? If you own a home in California, you may be sitting on untapped value. Thanks to Senate Bill 9 (SB9), many single-family homeowners can now split their lot into two legal parcels — opening the door to new development, rental income, or a profitable sale. Passed in 2021, SB9 was created to combat California’s housing shortage by allowing property owners to add housing...

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What Is a Cap Rate and Why It Matters in Commercial Real Estate

What Is a Cap Rate in Commercial Real Estate? A cap rate, short for capitalization rate, is one of the most important metrics in commercial real estate. It measures the rate of return an investor can expect from a property based on its net operating income (NOI) and purchase price — without considering financing. In other words, the cap rate helps you quickly gauge whether a property’s income...