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Jim Cirigliano

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Tax-Sheltered Real Estate Accounts: Make Your Kids Rich by 18

The Big Picture On Tax-Sheltered Real Estate Accounts: Setting up a self-directed Roth IRA for your child with annual contributions as early as age 14 allows for tax-free growth and…

11 Ways Tech Is Disrupting Real Estate Investing

The Big Picture On Ways Tech Disrupting Real Estate Investing Platforms like Fundrise and Groundfloor democratize real estate investing, allowing individuals to pool funds for property ventures. Tech-enabled investment clubs…

Appraised Value Versus Market Value: How Appraisals Work

The Big Picture on Appraised Value vs. Market Value: Appraised value, determined by professional appraisers for mortgage purposes, is based on property condition and market trends. Market value is the…

Non-Qualifying Mortgages: Uses & List of Non-QM Lenders

TL;DR On Non-Qualifying or Non-QM Loans: Non-QM loans provide flexible financing options for real estate investors who do not qualify for traditional mortgages. Non-QM loans allow investors to secure financing…

NACA Loans: Can You House Hack with 0% Down Using the NACA Program?

The Neighborhood Assistance Corporation of America (NACA) is a nonprofit organization aimed at making homeownership affordable to underserved borrowers in lower-income communities. Its programs provide great perks like no down…

The Landlord’s Guide to Pet Deposits vs. Pet Rent vs. Pet Fees

I love animals. I have almost always had at least one pet in my home. Pets enrich our lives and provide unmatched companionship and unconditional love. Except for my cat,…

Umbrella Insurance for Rental Properties: What Landlords Need to Know

I have a theory that nobody likes insurance. Don’t get me wrong, it’s important and often required by law or by lenders. But insurance is just so psychologically unsatisfying. I…

6 Ways to Find Expired Real Estate Listings

In hot real estate markets, many properties listed for sale receive offers within hours or days of listing. When my wife and I were house hunting in 2022, we constantly…

Are There Free Skip Tracing Tools for Real Estate? Free & Paid Tools Compared

What is a skip tracer? It sounds like some kind of cool, futuristic sci-fi job — like a cyberpunk private eye who tracks people down through a network of intergalactic…

Can You Use a Business Loan to Buy Rental Properties?

When you need financing to buy a home, you look for a home loan. When you need financing for a small business, you might look for a business loan. But…