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On The Market 300 - Mortgage Rates Hit 2025 Low as Recession Fears Rise

What Is Trump's New Affordable Housing Plan for Federal Lands?

Existing-Home Sales Accelerated 4.2% in February

5 Types of Homes Expected To Plummet in Value by the End of 2025

What went wrong at Redfin?

Grab Dave’s Newest Book, “Start with Strategy”

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100% Bonus Depreciation Could Return This Year: 2025 Tax Update Mar 20, 2025

Show notes

Real estate is one of the most tax-advantaged investments in the country. With bonus depreciation, opportunity zone investing, 1031 exchanges, and more, investing in real estate is not only the best way to build wealth—it’s the key to tax-free (or deferred) wealth. So, with a Republican-controlled House and Senate, will new tax proposals favoring real estate investments pass?

We’ve got some news that could make 2025 a “game-changer” year for real estate investors. CPA Brandon Hall joins us to break it down.

With numerous proposals floated to restore 100% bonus depreciation, extend opportunity zone investments, and eliminate taxes on tips, overtime, and Social Security, 2025’s tax laws could look very different if these changes pass.

Plus, there’s one huge real estate tax write-off you’re (probably) not taking advantage of. Brandon shares how investors can write off even more during rehabs and renovations, using a specific tax deduction most investors have never heard of.

Find investor-friendly tax and financial experts with BiggerPockets Tax & Financial Services Finder!

In This Episode We Cover

100% bonus depreciation—is it coming back, and when could it go into effect?

The most commonly missed real estate tax write-off you MUST know about

Tax-free income sources and which types of income could dodge Uncle Sam’s grip

Opportunity zone updates and whether this tax-deferred investment will be renewed

Still doing your taxes? Tell your CPA this BEFORE you file

And So Much More!

Links from the Show

Join the Future of Real Estate Investing with Fundrise

Find Investor-friendly Tax and Financial Experts

What Is Bonus Depreciation And How Does It Work?

Brandon's BiggerPockets Profile

Work with Brandon’s Team

Top 2025 Tax Strategies For Real Estate Investors

Buy “The Book on Tax Strategies for the Savvy Real Estate Investor”

Jump to topic:

(00:00) - Intro

(01:14) - Bonus Depreciation Update

(08:53) - A Massive Missed Deduction

(12:54) - Tell Your CPA This

(14:29) - Tax Cuts Get Extended?

(18:58) - New Tax Proposals

(20:41) - Renewing Opportunity Zones

(23:04) - When Bonus Depreciation Could Return

Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/on-the-market-305

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Stocks Tank as Recession Threat Grows, but Real Estate HASN’T Cracked Mar 17, 2025

Show notes

Stocks are struggling, recession fears are ramping up, and investors are starting to worry. The stock market has been falling for weeks, major indexes are down, and new (rapidly changing) tariffs are only making things worse. But what does this actually mean for your investments? Is this just a stock market correction, or could real estate soon suffer the same fate?

Today, we’re breaking down what’s going on in the US economy: why stocks are tanking, how the housing market could react, and what smart investors are doing right now. Should you sell, hold, or shift your stocks into real estate? Dave shares a big move he just made with his own portfolio and why he’s rethinking his investment strategy heading into a potential recession.

With so much uncertainty, you need to know what actually matters (and what doesn’t) for your portfolio. Will falling stock prices inadvertently trigger a real estate boom? Could lower inflation and interest rate cuts save the market? And most importantly—what should you do next? We can’t give you financial advice, but Dave is sharing what he’s doing with his money in this episode.

In This Episode We Cover

Why the stock market is sliding and whether a recession is next

The psychological impact of new tariffs on the economy (and YOUR investments)

The almost unbelievable (and borderline frightening) metric about consumer spending

Why Dave sold a sizable chunk of his stock portfolio (and where that money is going)

How a stock market correction could shake up the housing market

What lower inflation and possible rate cuts could mean for real estate

The key economic signals you NEED to watch over the next few months

And So Much More!

Links from the Show

Join the Future of Real Estate Investing with Fundrise

Stock Market Volatility Makes Real Estate Look a Whole Lot Better

Invest in Any Market Cycle with “Recession-Proof Real Estate Investing”

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Is the Mortgage Industry Safe with CFPB Under Fire? Mar 13, 2025

Show notes

Is the mortgage industry still safe? The Consumer Financial Protection Bureau (CFPB) has been ordered to halt all work while awaiting a new Trump-appointed director. While you may not often hear about this government agency, the CFPB plays a huge role in the mortgage industry and is the reason 2008-style lending practices have not been brought back to the market.

With uncertainty surrounding the CFPB—will it be downsized, shut down, or remain unchanged?—many in the mortgage and real estate industries are concerned about what’s next. Chris Willis, host of The Consumer Finance Podcast, joins the show to share how the Trump administration is thinking of restructuring the CFPB and limiting the scope of its protections.

Will the new CFPB director scale back some of the more inclusive mortgage lending practices or keep them the same? Could your bank account and credit card fees change due to a less strict CFPB directive, and what does this mean for YOU getting your next mortgage? This agency has bigger effects than many Americans realize, so we’re sharing what’s coming next.

In This Episode We Cover

The Consumer Financial Protection Bureau (CFPB) explained, what they do, and how they influence mortgage lending

Why the Trump administration is taking aim at this agency and halting work

The one piece of legislation protecting strict mortgage laws in America (could it be changed?)

The difference between Biden-led and Trump-led CFPB initiatives

How the CFPB affects your mortgages, credit cards, and bank accounts

And So Much More!

Links from the Show

Join the Future of Real Estate Investing with Fundrise

On The Market 300 - Mortgage Rates Hit 2025 Low as Recession Fears Rise

The Consumer Finance Podcast

Grab Dave’s Newest Book, “Start with Strategy”

Jump to topic:

(00:00) Intro

(00:41) The CFPB Explained

(04:52) Taking Massive Financial Action

(07:48) How the CFPB Affects Mortgages

(09:57) Will Trump Administration End It?

(15:35) Scaling Back the CFPB

(16:49) These Changes Affect Americans

(20:06) What Investors Must Watch

Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/on-the-market-303

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Tariff Talks Put the Housing Market on Ice: Prices Down, Delinquencies Up Mar 10, 2025

Show notes

Mortgage rates are down, so the housing market should be entering a frenzy…right? Not quite. The buyer’s market seems alive and well, with sellers offering concessions as the housing market visibly “slows.” What’s causing it? New inventory hitting the market? Tariff talks leading to higher housing costs? We’re getting into it all in this episode as we hit on four of last week’s top headlines.

First, how much will a new home cost now that tariffs are in place? With lumber, labor, and material prices all rising, there could be a five-figure added cost per home for homebuilders, making it even more expensive for buyers. Will labor costs continue to rise in 2025 after years of solid growth, or will renovators and flippers finally get relief?

The housing market is slowing down even as we get closer to the spring homebuying season. Home prices are DOWN year-over-year, but one caveat makes this a half-truth. With more inventory hitting the market, buyers could have their pick! And that inventory could grow even greater as mortgage delinquencies start to rise—should we begin to worry? Enough speculation; let’s get into it!

In This Episode We Cover

How much more a new home will cost with the 2025 tariffs now put in place

A worrying statistic about mortgage delinquencies investors must pay attention to

Labor and material cost predictions for 2025: Can they keep rising?

Updated housing inventory metrics and why sellers are struggling, ready to give concessions

Why Henry really needs a hug this week

And So Much More!

Links from the Show

Join the Future of Real Estate Investing with Fundrise

Henry's BiggerPockets Profile

James' BiggerPockets Profile

Kathy's BiggerPockets Profile

On The Market 301 - Mortgage Rates Fall EVEN Further as “Tariff Tuesday” Triggers Stock Sell-Off

Here’s how tariffs will hit the U.S. housing market

Construction Industry Cost Insights for Q1 2025

Realtor’s February 2025 Monthly Housing Market Trends Report

Mortgage Delinquencies Increase in the Fourth Quarter of 2024

Case-Shiller Index

Grab Henry’s Book, “Real Estate Deal Maker”

Jump to topic:

(00:00) Henry Needs a Hug

(02:23) Homes Could Cost $10K More

(08:04) Construction Prices Rise

(11:36) The Market SLOWS Down

(19:55) Mortgage Delinquencies Are UP

Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/on-the-market-302

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Mortgage Rates Fall EVEN Further as “Tariff Tuesday” Triggers Stock Sell-Off Mar 06, 2025

Show notes

“Tariff Tuesday” just hit, and the economic ripple effects are already in motion. The stock market saw a significant sell-off, key recession indicators are flashing, and mortgage rates dropped yet again. These shifts could have a major impact on the economy, but will they spill over into real estate? And as an investor, could your costs rise even more?

In this episode, Dave breaks down what actually happened on “Tariff Tuesday,” which tariffs were imposed, and how they could shape the months ahead. We’ll cover how different countries are responding and what this could mean for inflation, the stock market, and what you really want to hear about—mortgage rates. Could rates continue their months-long decline, or are we bottoming out for 2025?

These new tariffs directly affect real estate investors and anyone within the industry, but is Dave changing his investing strategy for 2025? Should you second-guess your stock portfolio and search for more stable assets as the market rollercoaster continues? We’re getting into it in this episode!

In This Episode We Cover

The “recession indicators” going off that have economists and everyday Americans worried

Why mortgage rates are FALLING even though inflation concerns are rising

Whether tariffs will make real estate investing even more expensive (and which homes will be hit the hardest)

The stock market’s “Tariff Tuesday” reaction and what it signals about the economy

Retaliatory tariffs and which countries are firing back at the Trump administration

And So Much More!

Links from the Show

Join the Future of Real Estate Investing with Fundrise

On the Market 293 - New Tariffs Mean Much More for Mortgage Rates Than You Think

Invest in Any Market Cycle with “Recession-Proof Real Estate Investing"

New Tariffs Mean Much More for Mortgage Rates Than You Think

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Mortgage Rates Hit 2025 Low as Recession Fears Rise Mar 03, 2025

Show notes

Mortgage rates are now at their lowest point in months, giving homebuyers and real estate investors some much-needed relief. But it isn’t all good news. With lower mortgage rates comes more market volatility, a weaker job market, recession risks, and new inflation fears. A lot is impacting the housing market, and in a time when nothing seems to make sense, Dave is breaking down the logic behind why mortgage rates are falling even as the Fed pauses.

First, let’s talk about the good news: mortgage rates dropping half a percentage point from their three-month high to hit a new 2025 low. This is great news for buying real estate but may signal a bigger, more substantial economic shift. The bad news? Americans are growing fearful of the economy. A recession seems like it’s still in the cards, unemployment is rising, high-paying jobs are getting terminated left and right, and everything costs more.

With all that taken into account, what should YOU, a real estate investor, do right now to ensure you still build wealth regardless of which direction the market moves? Should you lock down a mortgage rate now or wait for even greater interest rate relief? Stick around; Dave is giving a full analysis of today’s economic state.

In This Episode We Cover

A new 2025 mortgage rate LOW as rates drop below the 7% threshold

Why Americans are pinching pennies and fearing for the economy

Is a recession still possible, or are we close enough to a “soft landing”?

How tariffs, inflation, and job losses (NOT the Fed) are moving mortgage rates

What investors should do NOW if they’re under contract (or will be) for their next property

And So Much More!

Links from the Show

Join the Future of Real Estate Investing with Fundrise

On The Market 290 - Redfin: Tariff Fears Drive Up Mortgage Rates, Throwing 2025 Off-Track

Consumer Confidence Survey

Consumer Sentiment Index - University of Michigan

Invest in Any Market Cycle with “Recession-Proof Real Estate Investing”

Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/on-the-market-300

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Weaker Home Prices Ahead | Zillow Downgrades 2025 Home Price Forecast Feb 27, 2025

Show notes

Only two months into 2025, Zillow has significantly changed its original housing market prediction. With rising inventory, suppressed buyer demand from high mortgage rates, and sluggish market sentiment, Zillow’s home price forecast has been downgraded. Why the change, and what data is leading Zillow to project little or no home price growth this year? Orphe Divounguy, Senior Economist at Zillow, is on to share.

With a downgraded forecast, the question becomes: is the housing market leveling off, or could we be in store for home price dips? How will rent prices be affected with the massive wave of multifamily construction finally starting to taper off? With less supply coming online, will these units get absorbed, resulting in higher rents for single-family homes?

Have we finally reached the supply-demand equilibrium, putting the housing market on pause? What’s the one thing that could reignite buyer demand and lead to home price appreciation? Or, is this the new normal, and with little interest rate relief in sight, are we headed for years of a stagnant housing market? We’re getting Orphe’s expert take!

In This Episode We Cover

Zillow’s new February 2025 housing market forecast (and the sizable home price forecast downgrade)

Why home prices are stagnating, and the one crucial factor causing this

Mortgage rate predictions and whether we’ll see some real rate relief this year

Single-family and multifamily rent price predictions for 2025 (which will see the most growth?)

What should investors do: sit on the sidelines or capitalize on current conditions?

And So Much More!

Links from the Show

Join the Future of Real Estate Investing with Fundrise

BiggerPockets Real Estate 1083 - Feb 2025 Housing Market Update: Are Our Predictions Already Wrong?

Zillow Home Value and Home Sales Forecast (February 2025)

Grab Dave’s Book, “Real Estate by the Numbers”

Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/on-the-market-299

Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com.

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2025 Mortgage Delinquencies Tick Up: Will Housing Bounce Back OR Break Down? Feb 24, 2025

Show notes

ICE’s February 2025 Mortgage Monitor report is out, revealing new data that may signal a “shift” in the housing market. Could these changes lead housing to bounce back or break down? One worrying metric is beginning to rise, but could it cause a downward spiral for the rest of the housing market? We’re uncovering it all on this episode with ICE’s Andy Walden.

From mortgage delinquencies to interest rate fluctuations, insurance overhauls, and more buyer power, the housing market is changing quickly. We’ll first talk about why a specific subset of homeowners is becoming increasingly delinquent on their mortgage payments. This group makes up a significant portion of the market, but could this uptick trigger a rise in foreclosures?

California’s wildfires became one of the costliest natural disasters in history, and with insurance providers already struggling, you may begin to feel the fiery effects on your next insurance bill regardless of where you live. Finally, some great news for buyers as Andy shares his optimistic forecast for mortgage rates and housing inventory, making it easier for you to buy your next property.

In This Episode We Cover

The worrying housing market metric that could signal distress among homeowners

Whether California’s wildfires could cause your insurance rates to jump

Foreclosure activity and why it isn’t vastly increasing as unemployment rises and inflation melts away spending power

Andy’s 2025 mortgage rate forecast and when rates could fall this year

Why homebuyers could have even better choices come this spring homebuying season

And So Much More!

Links from the Show

Join the Future of Real Estate Investing with Fundrise

Over 6 Million Americans Are Late on Their Mortgage Payments—Here’s What It Means for Investors

February 2025 Mortgage Monitor

Grab Dave’s Book, “Start with Strategy”

Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/on-the-market-298

Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com.

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The #1 Factor That Leads to Home Price Growth (You CAN Predict This) Feb 20, 2025

Show notes

There’s one key housing market factor that leads to home price growth. It doesn’t have to do with interest rates, property taxes, or weather. This single metric is the strongest predictor of your home price rising, staying stagnant, or falling. If you know where this metric is peaking, you can follow a data-driven trail to housing markets that will soon have higher home prices and get in before the masses.

What’s the secret metric we’re talking about?

Well, it’s not so much of a secret. This metric is easy to find online and can help you pinpoint markets with the highest potential for price growth. So, if it’s so easy to find, why isn’t every real estate investor using it? Mainly because most investors don’t know how important this metric is.

But today, we’re showing you exactly how to track where home prices could rise, how to pinpoint the neighborhoods within your market that could experience high price growth, and why this easily available predictive metric may change as the economy shifts.

In This Episode We Cover

The number one way of predicting whether home prices will grow in an area

How this metric strongly influences migration and brings more demand to cities

Where to find this data for free and the easy way to predict home price growth

Trends to start watching now that could foretell which cities will rise (and shrink)

How to find the fast-growing (and stable) neighborhoods to invest in within your city

And So Much More!

Links from the Show

Join the Future of Real Estate Investing with Fundrise

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