2025 Investing Update: Mortgage Rates Fall, New Tax Laws Coming

Real Estate Rookie

BiggerPockets

How To, Education, Business, Investing, Entrepreneurship

4.8 • 1.7K Ratings

🗓️ 3 September 2025

⏱️ 47 minutes

🔗️ Recording | iTunes | RSS

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Summary

Is 2025 the perfect time to get into real estate investing? With falling mortgage rates, favorable tax laws, and shifting real estate markets across the US, there are all kinds of opportunities for rookie investors, and in this episode, we’ll show you how to make your first or next move! Welcome back to the Real Estate Rookie podcast! The housing market is shifting fast, and today, we’re providing you with an all-in-one investing update—chock-full of actionable advice to implement before the year ends. We’ll also get into how the recent market shifts have affected our own real estate portfolios. Ashley shares the progress on her current live-in flip and why she’s self-managing her short-term rentals, while Tony shares his latest revenue numbers on his 13-unit motel investment and why he’s branching off into a new southwestern market! Whether you’re a true beginner, a seasoned investor, or somewhere in between, we’ll provide the game plan you need to get started in 2025 and a handful of tips on adapting to the current climate! In This Episode We Cover Whether you should invest in real estate in 2025 (or hold off until 2026!) How the One Big Beautiful Bill Act will affect new real estate investors Major rental pivots Ashley and Tony are making to prepare for 2026 The strategies Tony is using to stabilize his underperforming rentals Why Ashley is choosing to self-manage her short-term rental properties And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/rookie-609 Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Real estate investing feels a little different today, but it shouldn't stop you from getting started.
0:04.6	In today's episode, we're going to break down how we're navigating interest rates, while we're maybe changing our strategies, and what our portfolios look like today.
0:13.2	We're also going to get a little insight as to what market Tony is looking at today and also why Ashley is now a short-term rental manager.
0:28.3	Welcome to the Real Estate Rookie podcast. I'm Ashley Care. And I'm Tony J. Robinson. And with that,
0:33.7	let's get into a few updates on the market first. Tony, let's start the discussion off today with some of the market conditions in 2025
0:42.2	and some of the changes we've seen happening and maybe will be happening.
0:47.2	So the first change I want to discuss is the big, beautiful tax bill.
0:54.0	So, Tony, is there anything that maybe you are going to do to
0:58.7	pivot and change your strategy going forward? I think for me, a lot of it is more so doubling down
1:05.6	on what we've already done. Part of the reason that we started investing in short-term rentals
1:10.1	was because of the short-term rental tax loophole, which allowed W-2 employees to leverage
1:17.8	depreciation of their short-term rentals and apply that against their W-2 income, which is unique
1:22.9	to short-term rentals. You can't do that with long-term rentals unless you're what's called
1:26.7	the real estate professional, which is virtually impossible to do if you're working a W-2 job.
1:31.1	But as a W-2 employee, the short-term rental tax loop allows you to do that.
1:35.2	And the way that it was initially set up when we started investing was that you could buy
1:39.9	a short-term rental, do this cost segregation study, and there was this 100% bonus appreciation,
1:46.4	which allowed you to basically get this big, massive write-off in year one. That was phasing out
1:52.0	year-over-year, so it went from 100% you could use to 80% to 60% to 40%. But now, with the One Big
1:58.9	Beautiful Bill, it's back up to 100%. So I think there's going to be a
2:03.1	renewed interest in short-term rental investing, if no other reason than the tax benefits to come
2:08.1	along with it. So we did a lot of Cossacks in the last few years. We've got like a good bank
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