Welcome to Dominion Financial's monthly Real Estate Investor Update. Scroll for market insights, investor tips, upcoming events, and more.  Market Insights

Dominion Financial Services (https://click.thedominiongroup.com/NTk5LVBYUS00MDEAAAGlK7gGRC1DUwaOLBzpqIkiA7y5eRtOg6fRbocVSItAkXf8jF95JHbJQKQrcWxquhFBnUsRUY4=) What Treasury's New Institutional Investor Rules Mean for Real Estate Investors On October 22, Treasury released proposed rules for the ROAD to Housing Act. Starting January 7, 2027, any investor that controls 350 or more single-family homes will generally be barred from buying more, with penalties of up to $1 million per violation or three times the purchase price. Homes institutions already own stay put. The law limits only future purchases. The exceptions point institutional money toward building and rehab: build-to-rent, renovate-to-rent with improvements worth at least 15% of the purchase price, and homeownership programs. If you control fewer than 350 homes, the ban doesn’t apply to you. Learn how it could thin out the competition on existing homes and where it opens new opportunities for builders and rehabbers. Continue Reading (https://click.thedominiongroup.com/NTk5LVBYUS00MDEAAAGlK7gGREAV4JnEG7G1dWQPh_HdTFGmSC83MMgxVJCPo_kqparcGThKC0zLBZkj4LgYwk24dk0=)

Dominion Financial Services (https://click.thedominiongroup.com/NTk5LVBYUS00MDEAAAGlK7gGRC1DUwaOLBzpqIkiA7y5eRtOg6fRbocVSItAkXf8jF95JHbJQKQrcWxquhFBnUsRUY4=) The DSCR Dividend: How One Lending Product Changed the Game for Real Estate Investors and Communities Jack BeVier, Partner at Dominion Financial, argues that the DSCR loan did more than add a financing option. It de-risked real estate investing. A dependable refinance-to-rental exit changed which deals investors were willing to take on, and that pushed renovation capital into neighborhoods conventional lenders had largely written off. DSCR grew from roughly $5 to $7 billion a year in 2019 to $50 billion or more by 2024. Volume kept growing straight through the 2022–2023 rate shock, even as agency refinance volume collapsed. Jack then tried to disprove his own theory. He ran four tests against Baltimore courthouse records, mortgage data from 39 metros, and every rate shock since 1994. Two tests confirmed it, one split, and one came back null. He reports all four results, along with the strongest arguments against his thesis. Continue Reading (https://click.thedominiongroup.com/NTk5LVBYUS00MDEAAAGlK7gGRDdzuTGMeIEaLFu9kON6puBwXpHfWDNE_CVA-aIshZoHiu8FXm-pMUJLO_DcaIjAu7M=)

Dominion Financial Services (https://click.thedominiongroup.com/NTk5LVBYUS00MDEAAAGlK7gGRC1DUwaOLBzpqIkiA7y5eRtOg6fRbocVSItAkXf8jF95JHbJQKQrcWxquhFBnUsRUY4=) Migration + Demographics: The Real Estate Thesis Supply Data Can’t Replace Supply data tells you where a market sits in its current cycle. Migration data tells you whether demand will hold once that cycle plays out. In 20