This Month In Real Estate Investing
Aug 30, 2026 · 1 hr 26 min · 17 segments
August 2026 brings a housing market packed with shifting leverage, stubborn affordability, volatile mortgage rates, multifamily stress, builder incentives, and rising inventory, creating fresh…
Patrick YepezGuest
James BrownHost
Melissa DormanGuestNathan TurnerGuest
From GovInfo, Congress considers portable mortgages that could let homeowners take their rate with them.
I actually did some social media content on it this week because one of the things that I teach in my program is how to make your debt mobile, to negotiate directly with a seller, to make really good terms, 3%, 4%, 5% interest rates, interest only, things like cash flow are really great.
and then negotiate during that initial interaction the ability to move the debt from one property to another.
So I think it's really interesting that the government is now considering that as an alternative.
But I actually don't think it's probably going to go through because the banks would lose so much money.
I'm hopeful, like I would love for this to happen because I think it would create a lot more movement in the marketplace, more inventory would come up.
We wouldn't be in such a locked position between buyers and sellers right now, but it would mean the banks would lose a lot of money and we don't typically vote that way in this nation.
And I think the reason it works in Canada is because all mortgages have a short term.
So it's amortized over 30 years, like a regular US mortgage, but then there's a term built in.
So because there's that refinance in your future, it makes sense for the banks to go along with this and say, well, that's fine.
We'll get them on the next rate change in the next couple of years as soon as their term is up.
From GovInfo, Congress considers portable mortgages that could let homeowners take their rate with them.
I actually did some social media content on it this week because one of the things that I teach in my program is how to make your debt mobile, to negotiate directly with a seller, to make really good terms, 3%, 4%, 5% interest rates, interest only, things like cash flow are really great.
and then negotiate during that initial interaction the ability to move the debt from one property to another.
So I think it's really interesting that the government is now considering that as an alternative.
But I actually don't think it's probably going to go through because the banks would lose so much money.
I'm hopeful, like I would love for this to happen because I think it would create a lot more movement in the marketplace, more inventory would come up.
We wouldn't be in such a locked position between buyers and sellers right now, but it would mean the banks would lose a lot of money and we don't typically vote that way in this nation.
And I think the reason it works in Canada is because all mortgages have a short term.
So it's amortized over 30 years, like a regular US mortgage, but then there's a term built in.
So because there's that refinance in your future, it makes sense for the banks to go along with this and say, well, that's fine.
We'll get them on the next rate change in the next couple of years as soon as their term is up.
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