Something interesting is happening behind the scenes with Fannie Mae and Freddie Mac, and it’s worth paying attention to as investors. Over the past year, both of them have been holding onto more mortgages instead of immediately selling them off as mortgage-backed securities (MBS). Their retained portfolios are now at some of the highest levels we’ve seen in years. Why does this matter? Fannie and Freddie are two of the largest players in the mortgage market. Normally, they buy loans from lenders, bundle them into MBS, and sell them to investors. But recently, they’ve been acting more like a long-term buyer, keeping a bigger portion of those loans on their own balance sheets. That does a few important things: • It absorbs supply in the secondary market • It increases demand for mortgages and MBS • And when demand goes up, yields tend to come down Lower yields = lower or more stable mortgage rates. The key takeaway here is that this support isn’t coming from: ❌ Fed rate cuts ❌ Looser lending guidelines ❌ Some big policy overhaul It’s coming from the plumbing of the mortgage market itself. In a market where affordability has been tight and rates have stayed higher than many expected, this kind of steady institutional buying can quietly put downward pressure on rates — or at the very least, help prevent them from rising further. For investors, this is a good reminder that mortgage rates aren’t driven by headlines alone.The secondary market mechanics matter just as much — sometimes more. 📌 Translation: there are multiple forces at work right now that could create better financing conditions ahead, especially for those who are prepared and paying attention. If you’re positioning yourself to buy in the next cycle, this is exactly the type of signal you want to understand early. But remember: NOW is always the best time to buy. If you keep waiting around for rates to drop to start buying, you're going to compete with the rest of the investors on the sidelines waiting for the same thing to happen...

If you’re serious about buying your 1st or 2nd auction property in 2026, this is for you. I’m officially opening enrollment for my 6-Week Auction Investing Group Coaching Program — built for beginner → intermediate investors who want a clear system + hands-on support to actually close a deal. What You’ll Learn: ✔ How to find solid auction deals ✔ How to get financing (even without W-2 income) ✔ How to build your investor team ✔ How to analyze deals + choose the right exit strategy How It Works: 📆 6 weeks 📞 2 live calls per week 🤝 1:1 support included 👥 Only 20 spots available (over half already filled) 📅 Starts January 15th — designed to position you to buy in 2026. This isn’t for spectators. It’s for investors ready to take action. 👉 Click here to book a call to see if this is a good fit. Spots are limited and enrollment will close once they’re filled. Let’s make 2026 your year. 🚀

Happy Monday, everyone! Today we’re going over one of the most important skills you can develop as an investor — quick property analysis. When you’re working with auctions, speed matters. Deals move fast, bidding moves fast, and opportunities come and go in hours. So here’s a simple framework you can use to analyze ANY auction property in under 10 minutes. ⏱️ Step 1: Check the Comps (2 minutes) Go straight to: - Recently sold properties (last 1–6 months) - Same bed/bath count - Similar square footage - Within 0.25–0.5 miles You’re looking for the ARV (After Repair Value) — what the home will sell for in its best condition. If there are zero comps, that’s a MAJOR red flag. Move on. 🔧 Step 2: Evaluate Condition (2 minutes) Use the photos + description (and Google Street View) to get a quick read: - Light cosmetic? - Mid-level rehab? - Full gut? You don't need to be a contractor. Just determine which category it falls into — because your numbers will be based on it. Rule of thumb: - Cosmetic = $5K–$20K - Medium = $20K–$40K - Heavy = $40K+ 📁 Step 3: Check for Liens, Violations & HOA (2 minutes) Quick checks: - Property Appraiser - Clerk of Courts - Probate/Foreclosure records - HOA listed? → Expect rules + monthly dues If you see unpaid taxes, utility liens, or heavy code violations…Bake that into your numbers or consider passing. 💰 Step 4: Estimate Total Cost (2 minutes) Add together: - Projected bid price - Rehab - Closing + holding costs (usually 8–12% total) This gives you your all-in number. Now compare it to the ARV you found in Step 1. 📊 Step 5: Make Your Call (1–2 minutes) A deal is worth pursuing if: - The spread is strong (aiming for a 30%+ Profit) - The neighborhood supports your ARV - Rehab is reasonable - Financing works - Risk is manageable If not?✨ PASS. Remember — passing is a winning strategy in auction investing. 💬 Your Turn If you feel like you’re ready for more help and you’re serious about investing —drop a message below and I’ll reach out with details on how to work with me 1:1 to lock in your first auction deal.

Happy Monday, everyone!Today we’re breaking down two very different types of auction platforms — and why understanding the difference can save you thousands of dollars (and major headaches). Not all auctions are created equal. 🖥️ 3rd-Party Auction Sites (Ex: Auction.com) These are platforms that host bank-owned or lender-controlled properties. ✅ Why Beginners Like These: - Often allow financing (DSCR, Fix & Flip, Non-QM, etc.) - Some properties allow inspections and appraisals - Liens are typically cleared at closing (but still verify) - More time between winning the bid and closing - Familiar buying process (title company, escrow, etc.) ⚠️ Things to Watch For: - Buyer’s premiums and auction fees - Reserve prices (not always disclosed) - Competition can drive prices up ➡️ These are generally lower risk and more beginner-friendly when paired with proper analysis. 🏛️ State & County Auctions (Tax Deeds / Foreclosures) These auctions are run directly by the county or state — and the rules are VERY different. 🚨 Why These Are Riskier: - Properties can come with liens, code violations, or unpaid utilities - You usually cannot inspect the interior - No financing — ALL CASH - Payment is often due within 24–48 hours of winning - Title issues are common (quiet title actions may be needed) 💡 Why Some Investors Still Love Them: - Less competition - Deep discounts - Strong margins if you know what you’re doing ➡️ These auctions reward advanced investors with strong systems and cash reserves. 🧠 Quick Rule of Thumb If you’re newer: ➡️ Start with 3rd-party auction platforms where risk is more controlled. If you’re experienced, well-capitalized, and understand title: ➡️ County auctions can be powerful — but mistakes are expensive. 💬 Which type of auction are you most interested in right now? 🚀 Ready to Go Deeper? If you’re serious about buying your first (or next) auction property and want step-by-step guidance, live deal breakdowns, and support inside a proven system…

Welcome to Auction Property Academy. I'm excited to have you apart of this amazing community! That being said, I want to go over some community guidelines with you all and give you a chance to introduce yourself and get active in this community Step 1: IMPORTANT - First please introduce yourself in the Welcome tab using this copy-paste template 1. What's your name? 2. Where are you from/based? 3. What you wanna learn about from this community? Step 2: Head over to the modules and start going through the content Step 3: Answer the poll below Step 4: Comment on this post to let you know you've introduced yourself. Last thing, be respectful, add value and follow the rules. Welcome to the best Auction Property Academy in the world. Glad to have you. - Tiffany