Understanding Credit: FICO scores range from 300 to 850. The higher the score, the better the credit grade. The three main credit bureaus or credit reporting agencies (CRAs) include Experian, TransUnion, and Equifax. The credit scores are derived from the following factors: ● Payment history—35% ● Amount owed—30% ● Length of credit history—15% ● New credit—10% ● Types of credit used—10% For more details, please read the entire article below: https://realty411guide.com/boost-your-credit-to-afford-home-purchases/

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"While everyone's debating whether we're in a housing crash in the U.S. Housing Market or recovery, institutional investors just made the biggest bet in American real estate history - and the mainstream media is completely silent about it. New data from Cotality reveals that investors spent a staggering $483 BILLION purchasing nearly one million homes in 2025. But here's what they're NOT telling you: This happened during the same year home price growth collapsed to just 1.1% - the lowest since 2012. While regular buyers stayed on the sidelines, Wall Street was quietly positioning for the largest wealth transfer in housing history. In this deep-dive analysis, I expose: Why sophisticated investors spent record amounts during the "worst" price growth year since 2012 The specific metro areas where institutional buyers control 20-25% of starter home inventory How Trump's "most aggressive housing reform plans in US history" validates Wall Street's strategy Which pension funds and retirement accounts are betting billions more in 2026 The exact markets where individual buyers can still compete (and win) against institutional capital Why 22 states are rushing to ban Wall Street from buying homes - and what this means for your strategy This isn't just another housing market video. This is about Wall Street's systematic plan to convert America from a nation of homeowners to permanent renters - with themselves as the landlord. The $483 billion deployment reveals exactly where smart money thinks housing is headed, and the implications are MASSIVE for anyone buying, selling, or investing in the next 18 months. Plus: The shocking demographic data showing why institutional investors aren't worried about rental income growth hitting 15-year lows. Whether you're a first-time buyer competing with cash investors, a current homeowner wondering about market timing, or an investor looking to follow smart money, you need to understand what this $483 billion is really telling us about the future of American housing.

A recent video from our So-Cal Real Estate TV (socalretv.com) platform:

Linked below is my article about the slowing second half of 2025: https://realty411guide.com/the-fall-of-2025-and-rise-of-new-opportunities/ Published December 5, 2025