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The Interconnected California & Global Real Estate Markets

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By Rick Tobin

Did you know that the median Southern California and statewide home prices have fluctuated between the $750,000 and $850,000 range over the past year? Generally, the housing price-to-household income for California has varied between 8x to 10x (times or multiplied) for home prices as compared to the qualifying household income. For example, a home with a purchase price of $800,000 is 10 times (10x) the combined household income of $80,000.

While California is usually one of the most expensive places in America to own or lease a property, it’s still “affordable” in comparison to these Top 10 most expensive home price-to-household income locations on the planet which are as follows:

#1 Shanghai, China – 46.6x
#2 Beijing, China – 45.8x
#3 Hong Kong, China – 44.9x
#4 Colombo, Sri Lanka – 43.7x
#5 Beirut, Lebanon – 41.3x
#6 Shenzhen, China – 40.1x
#7 Manila, Philippines – 37.6x
#8 Guangzhou, China – 37.3x
#9 Mumbai, India – 36.6x
#10 Ho Chi Minh City, Vietnam – 34.5x
Source: Numbeo – Property Price Index 2023

The Top 10 priciest home regions have both skyrocketing home prices and annual wages that are extremely low which makes California and the rest of our nation seem reasonably priced when reviewing home price-to-income ratios.

The California economy is now the 5th largest economy in the world. Our economy is on a growth pace that may soon make it the 4th largest economy if our state surpasses Germany. We attract investors and new residents from around the world such as from Asia, Europe, Mexico and Latin America. In fact, there are more Hispanics or Latinos in California as of 2015 than any other race or ethnicity.

The Southern California (So-Cal) region within our state consists of upwards of 24 or 25 million residents located in 10 counties which include: Imperial, Kern, Los Angeles, Orange, Riverside, San Bernardino, San Diego, Santa Barbara, San Luis Obispo, and Ventura.

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So-Cal and U.S. Real Estate Trends

In the So-Cal Real Estate Investors – Canyon Lake group that I lead, we discussed the following real estate and financial topics at our latest in-person meeting at Canyon Lake Golf & Country Club on April 18th, 2023:

1. Home values over the next year could fall, be flat, or even increase if the Fed is forced to pivot and start rapidly cutting rates again. Be prepared for any and all investment possibilities and opportunities.

2. Home equity represents the core wealth: The bulk of a homeowner family’s overall net worth comes from the equity in their primary residence. The average US homeowner at retirement age has approximately 83% of their overall net worth tied up in the equity in their home and pays monthly expenses from the remaining 17% of overall net worth that’s held in checking, savings, or pension accounts.

3. Riverside-San Bernardino-Ontario, CA Metro Area (March 2023)

  • Home Value: $542,000
  • Median Household Income: $77,095
  • Home Price to Household Income Ratio = 7.03x (5x is national avg.)
  • Home Value Growth (Year-over-Year or YoY): 3.0%
  • For Sale Inventory: 7,511
  • Sales Inventory Growth: 71.1% YoY
  • Price Cut Share of Listings: 16.8%
  • Rent for Apartments: 2,494/mo.
  • Monthly House Payment: $3,426 (PITI)
  • Rent for Homes: $3,243/mo.
  • Monthly Difference Between Home Mortgage and Rent: $183
  • Listing Inventory as % of All Homes: 0.5%
    Sources: Realtor.com, Zillow, and US Census Bureau

“The difference between monthly mortgage payments and rents hasn’t been this big since 2006, around the peak of the housing bubble that led to the Great Financial Crisis, according to the National Multifamily Housing Council. Assuming a 10% down payment, the group found that a monthly payment on a 30-year fixed-rate mortgage was $1,176 more than renting an apartment up to the end of 2022. The buy-to-rent premium hasn’t been this steep since the third quarter of 2006.” – Business Insider

The exception to this current massively widening mortgage payment-to- rent trend is Riverside Metro with only a $183 monthly price difference.

4. Lack of a sufficient down payment is the most common reason why an individual or family can’t qualify to purchase a home unless they can qualify for a VA loan or even FHA loan with $0 down after factoring in seller credits and gift money. There are at least 311 down payment assistance (DPA) programs available to California residents and upwards of 2,300 DPA programs available nationwide, as per the Down Payment Resource group. Yet, many people are only familiar with the California Dream DPA program that had $300 million already committed to buyers in just the first 11 days before it shut down. Originally, the plan was for California to offer first-time buyers up to $500 million, but the state had to use $200 million of those earmarked funds to cover other budget deficits.

5. Short-Term Rentals: Coachella Valley had the highest March/April 2023 ADR (Average Daily Rent) of the top 50 short-term rental markets partly due to the Coachella and Stagecoach music festivals; U.S. short-term rentals earned over $62 billion in revenue in 2022, which was a 25% year-over-year increase; San Diego was the most profitable Airbnb metropolitan region in the world in 2021; Big Bear City was ranked #8 in the entire world for highest-grossing Airbnb revenue in 2020; and Moreno Valley was the most profitable Airbnb city in the U.S. in 2019.

Investors can qualify with as little as 15% cash down using DSCR (Debt Service Coverage Ratio) programs where the current or proposed rents cover the proposed monthly mortgage payment (PITI and HOA, if applicable) on an EZ-Doc type of basis.

Flipping homes or paper: With even shorter term real estate options that may be be completed within hours or days, you can either flip properties or paper such as lease-options, wholesale purchase contract assignments, seller-financed notes or deeds, or partial income streams from beneficial or lender interests in the promissory note (“IOU for debt”) or trust deed.

6. Distressed mortgage and rental property data from 2021. Today’s 2023 numbers are probably significantly worse and rarely published.

  • An estimated 15 million people lived in households that owed more than $20 billion in unpaid rent as of July 2021.
  • 7.43 million rental property units were not current.
  • 5.95 million owner-occupied housing units weren’t current.
  • 8.71 million lived in owner-occupied homes where the homeowners have little or no confidence in their ability to pay their mortgage.
  • 12.71 million lived in rental properties where the heads of household had little or no confidence in their ability to pay their rent.
  • Serious mortgage delinquencies were up 20% in July from June and were the highest recorded since 2010.
  • By mid-August 2021, 3.9 million homeowners were in active forbearance, which represented 7.4% of all mortgages nationwide and $833 billion in total unpaid principal.
  • An estimated 11.6% of all FHA and VA loans were in active forbearance.
    Sources: U.S. Census Bureau and Black Knight Mortgage Monitor

7. 2023 Consumer Debt Data and Trends: It’s claimed that upwards of 15,000 cars are repossessed every single day here in the U.S. alone. Mortgage and all consumer debt and payment rates and fees all just hit record highs at the same time. Average DTI (debt-to-income) ratios for existing mortgage borrowers reached an all-time record 44% DTI and FHA defaults reached almost 12% in February 2023.

Average interest rates (March ‘23):
– Credit Card: 24.5%
– Used Cars: 14.0%
– New Cars: 9.0%

Meanwhile, we have record levels of debt:
– Total Household Debt: $16.5 trillion
– Auto Loans: $1.6 trillion
– Credit Card Debt: $986 billion
– Student Loans: $1.6 trillion

The interest on student loans has been suspended since 2020 due to Covid, but is set to resume later this year. How many defaults will happen?

8. 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%

New Credit Score Models: The average American has a FICO credit score near 690. In October 2022, the Federal Housing Finance Agency (FHFA) announced the approval of a new credit score rating system named FICO 10T and VantageScore 4.0 for use by Fannie Mae and Freddie Mac. FICO 10T and VantageScore 4.0 will consider payment histories from rent, utilities, and telecommunication bills. Yet, a rental payment history can be very bad for tenants on Covid moratoriums with years of no payments.

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9. Generational Home Purchase Trends: Between 2015 and 2022, the Millennial generation was ranked #1 overall as the largest generation of home buyers and tenants. Now, Baby Boomers (born between 1946 and 1964) take back the lead as the #1 home buyers partly due to having more cash and equity available from other properties. Senior housing and reverse mortgage opportunities are rapidly increasing as well.

“Baby boomers now make up 39% of home buyers – the most of any generation – an increase from 29% last year. Generation Z now makes up 4% of buyers, with 30% of Gen Z moving directly from a family member’s home into homeownership. When relocating, all generations are moving farther distances, with younger boomers (ages 58-67) moving the greatest distance at a median 90 miles away.” – National Association of Realtors

10. Ballooning Commercial Loans: $270B of commercial real estate loans are set to mature in 2023, which is an all-time record for loan maturities. An estimated $900 billion in commercial property loan debt may come due within just the next two years. If so, upwards of $630 billion dollars’ worth of commercial loans may come due in 2024 which would be 2.333 times the all-time ballooning commercial record loan set this year. How will this potentially affect commercial property value trends?

For more details, please visit www.socalrealestateclub.com.

Rick Tobin

Rick Tobin has worked in the real estate, financial, investment, and writing fields for the past 30+ years. He’s held eight (8) different real estate, securities, and mortgage brokerage licenses to date and is a graduate of the University of Southern California. He provides creative residential and commercial mortgage solutions for clients across the nation. He’s also written college textbooks and real estate licensing courses in most states for the two largest real estate publishers in the nation; the oldest real estate school in California; and the first online real estate school in California. Please visit his website at Realloans.com for financing options and his new investment group at So-Cal Real Estate Investors for more details. 

Learn live and in real-time with Realty411. Be sure to register for our next virtual and in-person events. For all the details, please visit Realty411.com or our Eventbrite landing page, CLICK HERE.

Short-Term Rentals and DSCR Loans

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Image from Pexels

By Rick Tobin

Over the past several years, most short-term and long-term rental property owners created the bulk of their wealth from the annual equity gains related to buying and holding their properties as values increased anywhere between 10% to 40% per year. In California alone back in 2021, it was reported that the average home statewide increased in value $11,000 per month or $132,000 for the entire year. If so, I doubt that many Airbnb or VRBO hosts collected more than $132,000 in gross or net rent profits.

Image from Pixabay

Did you know that San Diego, California was ranked as the #1 for having the highest gross revenues of any Airbnb region in the world in 2021? Please see the complete Top 10 list of the highest grossing rentals in the world later in this article.

Let’s look next at just some of the short-term rental listing companies which assist vacation rental property owners with the leasing of their properties:

  • Airbnb
  • VRBO (Vacation Rental By Owner)
  • Booking.com
  • TripAdvisor
  • Expedia
  • HomeToGo
  • Tripping
  • Homestay.com
  • Atraveo
  • OneFineStay

The prominent travel booking company named Expedia purchased VRBO back in December 2015. As a result, Expedia continues to be one of the most dominant short-term rental companies in the world.

As per published Airbnb data, here are the Top 10 states for average annual host or property owners earnings for 2021:

  1. Hawaii: $73,247
  2. Tennessee: $67,510
  3. Arizona: $60,448
  4. Colorado: $58,108
  5. California: $54,461
  6. Florida: $53,209
  7. South Carolina: $49,641
  8. Utah: $48,568
  9. Oregon: $42,964
  10. Alabama: $41,937

Image from Pixabay

If a rental property owner confides in you that he or she collected $50,000+ in gross income from Airbnb last year, this number may only represent a small percentage of their overall total revenue collected from both short-term and long-term tenants (30 days+) because they may have multiple income stream options by way of VRBO, Booking.com, or other companies that help supply them with consistent tenants. This is especially true when the property is located in a populous metropolitan region or a prime vacation getaway area like those found in San Diego, Santa Barbara, or Miami.

No Income Verification Loans for Rentals

Most real estate investors usually need third-party mortgage financing to purchase one or more rental properties even if they are very wealthy themselves. Many years ago, it was quite challenging to qualify for a rental property because you were asked to provide two years’ worth of tax returns, a detailed profit-and-loss statement, and the mortgage underwriters would only give you credit for 75% of your gross monthly rents when attempting to qualify or deny your loan request. This 75% number was due to the fact that lenders assumed that you had property management fees, vacancy rates above 0% throughout the year, and operating expenses for repairs.

As a result, that $2,000 gross rent turned into just $1,500 (75%) and many investors were later denied because few lenders wanted to lend on a rental property with negative monthly cash flow if the proposed monthly mortgage payment (principal, interest, property taxes, insurance, and homeowners association fees, if applicable) was $1,501 or higher.

Image from Pexels

Today, many investors are qualifying to purchase short-term and long-term rentals by way of non-QM or DSCR (Debt Service Coverage Ratio) programs which don’t require borrower applicants’ tax returns, W-2s, or other formal income documents to qualify. Now, some lending programs take the closest look at the subject property before determining if the rental property can at least break-even at a 1.0 DSCR number where 100% of the gross monthly rents are at least equal to the proposed mortgage payment. In these underwriting scenarios, 100% of the gross rents are used to qualify instead of just 75% like was more the norm in years past.

For a DSCR loan, it allows borrower applicants to use the market rent (actual or future, in some cases) of the property to qualify rather than the borrower’s business income. This is especially beneficial for self-employed business owners or investors who have a lot of tax write-offs and minimal net income shown on their tax returns.

Some of these DSCR program highlights include:

  • 640+ FICO
  • Up to 80% LTV
  • Available on investment properties only
  • Finance up to 20 properties
  • Loan amounts up to $2M per property

Some of my other lender programs allow negative cash-flow for rental properties up to 70% LTV for cash-out or purchase transactions while not requiring any additional income from the borrower applicant.

Airbnb Statistic

Image from Pexels

Because Airbnb is the biggest name in the short-term rental business sector, let’s review some of these shocking numbers that confirm how successful this investment property model has been for Airbnb corporate and for individual hosts or property owners.

Airbnb History

  • An average of six guests every single second check into an Airbnb listing.
  • Airbnb listings represent 19% of the total demand for lodging in the US.
  • Over 150 million people have booked over one billion nightly stays.
  • The average US Airbnb occupancy rate is 48%.
  • The average stay is 4.3 nights.

2021 Data

  • The global Average Daily Rate (ADR) was $137 per night in 2021 as compared to $110/night in 2020.
  • California properties had a much higher nightly average of $258 per night.
  • In December 2021, there were 12.7 million listings worldwide.
  • There were 2,249,434 listings in the US in 2021.
  • 356.9 million nights were booked on Airbnb in 2021.

Highest Gross Revenues Worldwide for Airbnb Properties

Image from Pixabay

Surprisingly, these populous metropolitan regions such as Los Angeles, San Francisco, New York City, Paris, London, or Hong Kong weren’t ranked #1 for being the most profitable Airbnb region in the world with the highest gross revenues. No, the honor for the most profitable Airbnb region in the world in 2021 was San Diego, California.

In 2020, seven of the Top 10 highest gross revenues for Airbnb properties were all in the US. One region that stands out is Big Bear, California, which is the best-known mountain resort community in Southern California. Listed below are the 2020 gross revenue numbers for the Top 10 regions in the world:

Compounding Wealth With Equity Gains

There are many individual or family investors across the nation who have acquired 5, 10, 15, or 20+ short-term rental properties. The bulk of their family’s net worth doesn’t usually come from the net annual rental income. No, the family’s net worth is compounding each year with double-digit appreciation rates like we’ve all seen for several years now.

To better understand how the acquisition of multiple rental properties is more likely to create the bulk of your net worth, let’s take a look at a fictional California property owner who saw each of his rental homes appreciate $11,000 per month or $132,000 for the entire year in 2021:

Investors can apply any excess net rental income each year to paying off their mortgage faster. With consistent annual rents, a 30-year mortgage or a shorter-term 5-year or 7-year interest-only mortgage with much lower monthly payments than the best 30-year fully amortizing rates can be paid off much faster as more principal is paid off with extra payments.

The sooner that your homes are free and clear, the earlier you can retire and live off of the monthly cash flow while not touching your equity gains. A fairly consistent plan of buying and holding short-term and/or long-term rental properties is a prime example of letting your money work hard for you instead of the other way around.

Rick Tobin

Rick Tobin has a diversified background in both the real estate and securities fields for the past 30+ years. He has held seven (7) different real estate and securities brokerage licenses to date, and is a graduate of the University of Southern California. Rick has an extensive background in the financing of residential and commercial properties around the U.S with debt, equity, and mezzanine money. His funding sources have included banks, life insurance companies, REITs (Real Estate Investment Trusts), equity funds, and foreign money sources. You can visit Rick Tobin at RealLoans.com for more details.

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Think Differently to Uncover Huge Hidden Profits

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By Karen A. Walker

Nobel Prize-winner Albert von Szent-Gyorgy once said that “discovery consists of seeing what everybody has seen and thinking what nobody has thought.” It’s a description that captures what sets LuxHomePro, its processes and its co-founders apart from others. In a nutshell, they think differently about luxury vacation rental property.

Founding partners Jerry Conti and Dave Bynum were introduced by a mutual friend. At the time, Jerry was looking for a fresh, innovative and lucrative opportunity to market.

Dave had just completed an eight-year, remarkably innovative and profitable lead generation program he had developed and managed for a number of major banks from 2001-2008. With that project finished, Dave was also looking for something new that he could really embrace and enjoy as much as he had enjoyed the lead-gen project.

Keep an open mind: Unexpected connections

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In truth, nothing innovative happens in a vacuum, and rarely at a convenient time.

As it turns out, Dave was in the midst of planned chaos on the day Jerry called to follow up. That chaos included a camera crew and live taping session with Dean Graziosi. Just days earlier, someone else previously unknown to Dave had tracked him down in an effort to become a silent financial partner on any project Dave had in mind. At the time, Dave didn’t have anything in mind.

Dave kept an open mind to see where it all would lead.

Something clicked in the conversations with Jerry. Their synergy, diverse areas of expertise, shared ethics of openness and trust, serving others, and creating win-win-win opportunities that also allowed for big, ethical profits resulted in the launch of LuxHomePro at the end of 2017.

Culling from his years of experience fixing and flipping homes and short-term rentals, Dave applied his knowledge to what he saw as a new emerging trend: an increasing demand by travelers to rent luxury homes, rather than stay in hotels. AirBNB, VRBO and similar platforms were beginning to pay attention to the trend as well, which opened up even more opportunities for the untapped win-win-win Dave recognized.

“I see opportunities that people don’t see,” said Dave. “I can align the dots enough to get it going and then work through any failures to fix things and make it work.”

And that’s what happened.

Further fine-tuning was needed and the business was in full operation by April 2018, now offering about six seminars a year, with turn-key systems and a variety of optional, more intense training levels to participants.

“I have always led my life by being the quiet guy,” confesses Dave. “When I’m at a meeting or in a crowd, I tend to read the room, figure it out, plant a seed and then listen. I spend more time listening than talking. I find you learn more from others that way.”

In contrast, Jerry is a front and center, get onboard and let’s have fun on the journey kind of person. The two co-founders complement each other wonderfully, and they forged a bond of mutual respect and trust, which makes for engaging, in-depth and hands-on, achievement-oriented learning for their students.

Keep it Real, Keep it Simple

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“For us, it always has to be a win-win-win,” underscores Dave. “It’s a whole lot better if everyone is upfront and transparent. When you have a problem, get it out in the open so we can solve it together and move forward. Otherwise it can fester, people sneak around behind others’ backs and it’s just a waste of time and energy. Keep it real! In every negotiation, every relationship, keep it open and upfront.”

“One of the most exciting things for me,” Dave adds, “is when I finally put together all the pieces of a problem or project and it works! It’s exciting for me when people say yes, believe in us, take action on what they learn, and then achieve the same or better results. It’s exciting because it helps change other people’s lives for the better. That matters a lot to Jerry and to me.”

Core Concept

For those who’ve not yet experienced the LuxHomePro opportunity, the core concept is brilliant.

There are basically three components:
▪ Luxury vacation renters. Offer dream housing options to those seeking luxury vacation home accommodations.

▪ Luxury home owners. Offer owners of qualified luxury homes an option to sell at a good price and also to earn significant revenue prior to selling, without any work on their part and without having to wait many months and even years to sell their high-end luxury home.

▪ LuxHomePro Student “Connectors.” Earn high profits, on a consistent basis, following a proven-successful strategy and easy-to-follow templates and systems, without the need to own anything or have good credit.

It’s essential, of course, that the person connecting all parties (“the connector”) follow the system correctly. Everything is laid out for seminar attendees, including how to properly market a property, how to develop attractive pricing, how to upgrade for vacation renters and how to manage the operation efficiently and profitably.

Leave out—or even worse, cut corners—on any one of these components and the promised, sure-fire success is in jeopardy.

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For example, rent a luxury vacation rental home from Dave and you’re sure to find such amenities as a hot tub, in-home games, pool or foosball table, baby-sitting and personal chef upgrade options and super-discounted access to local golf club or other luxury amenities. You can count on your experience in one of his homes to be truly luxurious and of more value than that for which you paid. Not cheap, but over-the-top value. That’s what LuxHomePro trains its students to provide.

So, if the LuxHomePro plan is followed as laid out, and if it’s managed correctly, it’s a beautiful thing all around—amazing profits for you within 4-6 months or so, amazing experience for the renter, and amazing profits for the home-owner. A win-win-win.

Not to mention, a no questions asked, money-back guarantee.

What others say

A broker in Michigan who had done fix and flips for years and recently got into short term rentals said he found himself struggling with the short term rentals. “I tried do it the traditional way like you see on YouTube,” he explained “and really struggled with it. I met Dave and he helped me with it, looked at the resources I had to work with and took it from there. He’s thorough. He’s patient and he starts working with you at wherever you are starting out. He can take it to where you want to go.”

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Shelly Clayton from Scottsdale echoes the Michigan broker. Shelly raves about how Dave’s system took her from 4% booking rate, which translated into two bookings a year (one of them even cancelled) to a 96% booking rate.

That’s a small segment of real-world, first-hand feedback from those who implemented the LuxHomePro training and systems. And all of it is music to the co-founders’ ears!

For Jerry and Dave, it’s all about helping to change other people’s lives for the better.

Looking forward

Jerry and Dave recently introduced a super simplified option in which they’ll act as a partner for select students who have financial limitations, but a strong desire to participate in the vacation rental industry.

To learn more about all of LuxHomePro’s offerings, go to www.LuxHomePro.com

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Top Five Take-Aways from LuxHomePro Seminars:

1. Keen eye. Walk away knowing exactly how to identify profitable luxury rental properties.

2. Love what you do. Find your own niche or niches in the industry from which you’ll be able to master and profit year after year.

3. Only win-win-win. Learn the secrets to setting up deals and negotiations on the basis of a win-win-win where no one gets a bad deal.

4. Positive negotiation. Learn how to successfully negotiate with homeowners so they will jump onto your side and will want to work directly with you.

5. Systems and Automation. Learn which systems to put into place to automate your business for maximum profits and efficiency.

Millennials and Short-Term Rentals

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By Holly Lynn

Millennials or Generation Y are a demographic that range in birth dates between 1980 and 1996. They are becoming an increasing group that is opting for short-term rentals instead of purchasing homes. Especially the younger members of the millennial group.

There are many reasons why this is a growing trend among young people. One reason is that millennials are staving off parenthood until later in life if at all. This brings about change in the family dynamic. There are more single people now than ever. With the decision to go solo, a millennial might choose to go on more vacations or work outside of their community. Short-term rentals are being favored by millennials for business as well.

living-room-3539587_1280Short-term renting provides patrons with access to full kitchens, larger living spaces, and a home away from home feeling. More often than not, these rentals are easier on the pocketbook than traditional hotel stays. Hotels may offer more services for additional upcharges, but more millennials prefer accommodations that offer much more than a set of towels and bathroom coffee.

According to a report published in 2016 by Airbnb, millennials when asked the question “How likely are you to consider staying in a home as opposed to a hotel, hostel, etc on future trips?” They answered 67%. This makes sense when you factor in that millennials are spending their money on traveling and vacation in lieu of purchasing homes.

girl-4530426_1280Some of the decisions to travel may be due to the “Instagram lifestyle.” Everywhere you turn there is a post showing somebody living their best life on a beach somewhere. Or videos panning far and away places in New Zealand or the south of France. This would inspire anyone to want to vacation or work abroad. In addition, these travelers often partner with friends. Which makes staying in a short-term rental a wiser, financial decision.

Many companies are now offering their employees short-term rentals as housing. There are sites that provide a platform for traveling nurses, medical and business professionals. This tends to be a more cost-efficient way for companies to provide housing in lieu of hotels.

There are some millennials who choose to purchase homes just for short-term renting. The idea of roommates it’s still a viable option. Many people take on roommates to offset mortgage payments. Now they have the option to rent their spare rooms to travelers instead of permanent renters. This is a great way to make more money by charging by the night, rather than by the month.

airbnb-3399753_1280The very idea of Airbnb was founded by young men trying to make an extra buck by renting out an air mattress in the living room. These entrepreneurs are in fact Generation Y. So the fact that the leading platform for short-term rentals was founded by millennials is a good indication that the market is here to stay.

For more information on how I can assist you with your short-term rental, private lending, or hard money loans, contact me at: www.hollylynn.com or [email protected]

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Holly Lynn

Experienced Owner with a demonstrated history of working in the real estate industry. Skilled in Team Building, Television, Leadership, Marketing, and Digital Marketing. Strong business development professional who graduated from San Francisco State University, College of Business.

The Queen of Capital, Holly Lynn specializes in helping people with their real estate needs. She is a creative and results-driven resource who can help investors at every level.

Her authentic, personal relationships with both lenders and investors coupled with her vision, work ethic and endless desire to make the deal work position her as a sought-after, leader in the industry.

Holly Lynn can help you with hard money, private financing and other funding for your investments and projects.

She is a self-taught deal maker who has always had a keen business sense. She works with investors and syndication across the board who are looking for real estate investments that produce passive income streams.

She built B.A.M.F into the single most recognized name that is designed to build strong relationships and invest in multifamily projects to create massive cash flow and wealth. B.A.M.F monthly meetups in San Francisco, San Mateo, Fremont, San Jose and those conducted through webinars are open for everyone. As the multifamily properties continue to be an investment megatrend, She gives everyone an opportunity to learn about multifamily property investments and opportunities that would only be otherwise available for top dealers and those who met the qualifications by SEC. But through B.A.M.F, you can meet with experts and deal organizers who can provide you with great investment options.

Holly’s reputation has been earned one transaction at a time with no substitute for hard work and honesty. Take advantage of her deep proven experience in the real estate and investment market by joining her events and mixers. Mixers that are organized by B.A.M.F is sought after by reputable individuals in the investment and finance field. It is your chance to learn and grow.

“I have always believed that your money is waiting for you, but you have to keep yourself open to receiving it.”

– Holly Lynn –