Zena Lending Insights

Weekly Financing Intel for Real Estate

Market notes, loan program updates, creative structuring ideas, and deal-saving strategies for agents, buyers, and investors.

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FHA 90-day flip rule investor financing insight featured image.

FHA May Be Reconsidering the 90-Day Flip Rule

FHA is reportedly reviewing the long-standing resale restriction that can affect renovated and flipped properties. No rule has changed yet, but investors and agents should watch this closely.

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Professionals reviewing financing strategy and deal structure options.

When Financing Gets Complicated, Structure Matters

Scenario-based guidance for agents dealing with shaky approvals, self-employed borrowers, investor buyers, or files that no longer fit the box.

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What Buyers and Agents Should Watch This Week

Plain-English notes on rate movement, affordability, lender appetite, and the financing conversations happening in the current market.

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New Program Highlights and Payment Strategy Ideas

A breakdown of loan options, buydowns, down payment structures, non-QM programs, and scenarios where they may fit.

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How Buyers Can Strengthen Their Financing Position

Helpful posts on pre-approval, documentation, payment comfort, credit, reserves, and how to prepare before writing an offer.

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Seller Credits, Buydowns, and Structure Before Price Cuts

Simple ways to think through concessions, temporary buydowns, payment relief, and alternative structures before a deal falls apart.

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Built for the People in the Deal

For Agents

Use these updates to identify financing angles, prepare buyers, and get a second look when a file gets complicated.

For Buyers

Understand loan options, documentation, credit, payment strategy, and how to move with more confidence.

For Investors

Compare DSCR, bridge, hard money, fix-and-flip, and commercial financing structures for real estate deals.

Have a buyer, deal, or scenario that needs a second look?

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