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HW Magazine

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April 2017

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From HW Magazine

Build to rent

The newest trend in SFR presents a big opportunity for builders and investors
Build to rent allows investors to buy newly built homes and rent them out instead of selling them. Because the homes are new, investors are able to charge higher rent prices and tenants often stay in the home for longer periods of time. But the question remains: Why would builders move into the rental market during a time when homes are selling quickly and at higher prices than any time in the past decade?
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The American Dream revisited

Why consumers might have to choose between a college education and homeownership
Today the average student debt resulting from a four-year degree stands at $30,000. According to a report released by American Student Assistance in 2015, 71% of non-homeowners surveyed who carry student debt say the burden of monthly payments has kept them from purchasing a home. More than half of those say their student debt loads will likely prevent home ownership for another five years.
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From HW Magazine

HOT or NOT April: What's trending in housing right now

Ben Carson, appraisers and Wells Fargo make the list
Wells Fargo announced March 1 that it plans to claw back the cash bonuses for eight of its top senior executives, including the bank’s new CEO, Tim Sloan, as the fallout from the bank’s fake account scandal continues. According to the bank, the revocation of the senior executives’ bonuses are “not based on any findings of improper behavior in the board of directors’ ongoing independent investigation” into how 5,000 of the bank’s former employees opened as many as 2 million accounts without authorization in order to get sales bonuses.
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From HW Magazine

How "alphabet soup" led to Day 1 Certainty

Fannie Mae combines big data with appraisal data standardization
Combine standardization with so-called “big data” and that’s the power behind the DU validation service – another Day 1 Certainty offering. Data power enables a more accurate, simpler digital process. With electronic validation of income, assets, and employment, lenders and borrowers benefit by moving away from the manual processes prevalent in the industry today. 
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From HW Magazine

April Kudos: celebrating milestones, launches and awards in the mortgage industry

Snapdocs, Waterstone Mortgage, Ally Bank, Primary Residential Mortgage and more
Guild Mortgage donated $116,000 to the Infinite Hero Foundation, which helps provide access to innovative rehabilitation programs that address the unique needs of military veterans and their families. The donation was used to purchase a wearable robotic exoskeleton from ReWalk Robotics, designed for individuals with spinal cord injury.
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From HW Magazine

SFR All-Stars: FotoNotes' mobile-cloud platform streamlines SFR operations

Mobile applications and back-office cloud solutions increase efficiency
FotoNotes enables companies to better manage field services such as bidding, estimation, repair and maintenance, as well as renovation and inspection processes. FotoNotes’ solution includes several key features that are integral to managing and maintaining properties: work order management, vendor management, mobile forms for field data and photo collection, and report generation.  
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From HW Magazine

SFR All-Stars: Xome Auction features intuitive search and bidding process

Customer-centric culture focuses on white-glove approach
Buyers can search and filter from a nationwide inventory of REO, short sale, foreclosure and HUD CWCOT properties then place a bid and complete the purchase, all from the comfort of their home or office. Nearly 70,000 properties have been purchased through Xome Auction since its founding in 2013.
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From HW Magazine

SFR All-Stars: Roofstock provides a curated marketplace for buying and selling leased homes

Tech-enabled platform lets investors diversify
Roofstock allows sellers to earn rent from current tenants through closing and has a fee of just 2.5%, resulting in substantial savings for sellers. Properties on Roofstock’s marketplace are simultaneously marketed worldwide to institutional as well as individual retail buyers.
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From HW Magazine

SFR All-Stars: Renters Warehouse provides highly standardized servicing capabilities

Single-family renting is the new owning
With advanced, highly standardized servicing capabilities, Renters Warehouse can successfully manage a wide range of portfolio sizes - from one to more than 5,000 doors. The company is the only national property management firm focused on single-family rentals to be rated by Morningstar Credit Ratings, a nationally recognized statistical rating organization.
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From HW Magazine

SFR All-Stars: Capaven enables investments in long-term rentals and lease options

Pairs tenants and properties with investors
Many investors don’t have the time to manage their own properties and need a solution to capitalize on the industry without all of the headaches. Capaven controls this process by underwriting the tenants first on their net income, selecting only well-qualified and stable candidates. The strategy of using net income is not just a benefit to the investor, but an education process for the tenants.  
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Commentary

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From HW Magazine

The SFR market in 2017

New players, changing deal structures and a rediscovered business model: cash flow
Currently, institutional investors control approximately 170,000 properties (a relatively small portion of the overall SFR space, which is dominated by smaller investors, and estimated to include 11 to 13 million properties). KBRA reports that 105,000 properties have been included in the 26 single-borrower deals done to date, which suggests there are somewhere north of 60,000 properties that could still be securitized. 
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From HW Magazine

How top producers leverage social media

Lenders now have a direct line to clients

In the past, loan officers have relied primarily on referrals from Realtors for new business. Now, top producers like Cindy Laffey are using simple methods to get their names directly in front of potential clients. She explains, “We post pictures of every closing and tag our real estate agent, referral source, the buyers and their business pages. It goes on and on. That’s really getting a lot of activity and getting me a lot of exposure.” 


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From HW Magazine

Cutting housing off at the knees

Cuts to HUD budget are short-sighted at best
Programs that create homeowners just by helping with down-payment amounts are the lowest-hanging fruit in our industry. These are people with jobs and qualifying income who just need a one-time lift from the government. But that one-time lift is not just beneficial to the new homeowners — the overall housing economy benefits as well, since homeownership begets more homeownership. 
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