2025, Issue No. 26
✨ Quote of the Week
“Fear is the mind-killer.” — Frank Herbert, Dune
💌 Letter to Our Investors
Dear Investor,
As Halloween rolls around, the markets once again start telling ghost stories — whispers of rate scares, housing bubbles, and the “end of the good times.” But if you’ve been in real estate long enough, you know that most of what’s spooky in the headlines rarely shows up in real life.
Yes, rates have been stubborn. Yes, some investors are nervous. But opportunity hasn’t vanished , it’s just wearing a new mask this season. 👻
The truth? Fear is part of the game. The difference between panic and profit is perspective. So let’s turn the flashlight on the market and separate the tricks from the treats.
🕯️ Fear #1: “The Market Is Crashing”
It’s not. The market is correcting, not collapsing.
Home prices are stabilizing, not sinking. Inventory is still tight across the country, and demand for rental housing hasn’t slowed.
🏡 Fact: Real estate is still undersupplied by nearly 4 million units nationwide. That’s not fear — that’s long-term strength.
What Smart Investors Do:
Hold what performs. Improve what you own. Buy with logic, not headlines.
💀 Fear #2: “Rates Make Deals Impossible”
Rates are higher, yes, but they’re not forever. The investors winning right now are the ones using this window to negotiate better pricing and build stronger positions.
The average buyer steps back when rates rise. The disciplined ones step in, structure creatively, and lock equity others will chase next year.
🏦 Fact: Lending spreads are tightening again, and programs like DSCR and bridge are still funding strong borrowers.
What Smart Investors Do:
Focus on cash flow and flexibility. A good deal works in any rate environment.
🕸️ Fear #3: “It’s Not the Right Time to Invest”
Every investor’s favorite ghost story. 👻
Waiting for the perfect time is like waiting for Halloween to land on a full moon, rare and overrated.
📆 Fact: The best opportunities often come when others are sitting on the sidelines.
What Smart Investors Do:
Stay ready. Keep liquidity. Watch for discounted assets or refi opportunities others overlook.
⚠️ Real Risk #1: Liquidity Crunches
This one is real, and it’s quiet.
When fear rises, lenders and banks tighten. Deals that would have sailed through in July can suddenly stall in November.
💡 Keep a cushion. Access lines of credit. And maintain relationships with lenders who move fast when others freeze.
⚠️ Real Risk #2: Emotional Investing
Fear-based decisions kill more portfolios than bad markets ever will.
Chasing every news cycle or jumping out too soon erodes long-term gains.
📊 Fact: Investors who held through 2020–2022 saw double-digit appreciation by 2024.
What Smart Investors Do:
Review data, not drama. Emotions belong at Halloween parties, not in portfolio meetings.
🏡 Investor Corner: 3 Fears to Ignore — 2 Risks to Prepare For
Ignore:
Rate Panic 🕷️ Crash Myths 🦇 Timing Obsession 🎭
Prepare For:
Liquidity Crunch 💀 Emotional Traps 👻
🍬 Final Word
Halloween reminds us that fear sells, in movies, in headlines, and in markets. But behind the spooky stories, real estate keeps doing what it always does: growing quietly, paying monthly, and rewarding patience.
So, grab your coffee, light a candle, and remember, you’re not chasing ghosts; you’re building something real.
Happy Halloween 🎃
Stay steady, stay smart, and don’t forget to enjoy a few treats along the way. 🍫
Need help packaging a file? My team underwrites with you.
We are Direct Lender for Residential Investor Projects.
We do NOT offer loans for homesteads (primary residences), or rural.
For projects that don’t align perfectly with our requirements, we collaborate with other lenders to explore financing alternatives.
— Typically booked out 2-3 days. Secure your spot now.
Thinking about selling your investment?
Our Investment Sales Division gives your property strategic exposure through our nationwide and international investor network. With $10K+ in active investors and buyers constantly seeking opportunities, we ensure your asset gets in front of the right audience.
- Nationwide and international investor reach (Latin America and Saudi Arabia)
- Streamlined process with professional support
- Flat 1% fee — aligned with your success
- Closings handled with our trusted real estate attorney and title company for a seamless, secure transaction
When you partner with us, your property isn’t just listed, it’s positioned in front of a powerful community of serious investors ready to move.
Invest Smarter with Robinhood
Many real estate investors are diversifying into the stock market.
Start small, earn passively, and complement your real estate strategy with market-based gains.
Alanna Avalone - Private Lender 
Leave a comment