2026 is going to be a make or break year for real estate investors.

Some are going to lose everything and others are going to create generational wealth.

The difference between the two is knowing what's coming before it all happens.

So stick around for this video because we're going to go over the trends that are going to determine whether you win or you get wiped out.

If you're new to my channel, my name is Ryan Paneda. I have bought and sold over $100 million

worth of real estate, and I have founded multiple eight-figure businesses. So what's going to make or break 2026? Well, are we going to have more transaction volume or not? It's really that simple, in my opinion. Even if prices don't go up, even if they stay the same, but we're transacting so much more, it's going to be better

for the whole industry. Now, I'm going to cover that later in the video for my predictions at the

end, but let's just talk about, hey, what happens if things stay the same? What do we do? How do we

win in that scenario? Well, there are currently homeowners who are sitting pretty on a low

interest rate home, but there's a lot of homeowners who bought sitting pretty on a low interest rate home,

but there's a lot of homeowners who bought in 22, 23, and 24 who now have negative equity. They fell into the trap of people saying, buy the home, date the rate, but here's the thing, the rate didn't change. And therefore, the price of the home did not go up. Everyone thought that if rates drop, prices are going to go up. And so even if they're overpaying a little bit by now, you know, they'll have refinanced and then they're going to be all square. Well, that hasn't happened for anybody who's bought a home in the last few years. And so now we are seeing more foreclosures than we have since the pandemic. And it makes sense. People are getting underwater. Housing is very unaffordable. The cost of living just keeps going up.

Inflation is going up. It is really, really difficult to afford home ownership right now in America.

In fact, this is the first time in my life that I have recommended that people might want to consider renting a home.

One of my friends, Grant Cardone, who's been on my show many times, you know, he's famously said that home ownership is not where it's at. You know, he believes that you only want cash flow properties, that buying, you know, a personal residence is not a good thing. And, you know, most people have hated on them for many years for that. And even for me, for the last 10 years, I have disagreed with that. I've bought all the homes that I've lived in. They have made me a lot of money from appreciation over the years. I've been able to sell them, move up to different homes. It's been great. But right now, I actually think it might be better to rent a home. And that is a scary proposition when it comes to transaction volume, because if people are thinking like that as well, there's going to be low transaction volume because they don't want to buy.

It's more affordable to rent.

So in the community that I live in, the cheapest homes are about $2 million.

And if you factor in getting a mortgage, your HOA expenses, you know, maintenance, all that stuff. Your total all-in monthly is probably like $14,000.

Well, that same home right now in the community, I saw one for rent for like $7,000.

Now, most of them are usually like $8,500 or $9,000, but this is my point.

If somebody was willing to rent out that home for $7,000 and the

mortgage and everything else would have normally been $14,000, plus when you rent, you don't even

have to fix anything up. It's the landlord's responsibility. It's like, well, why would you ever

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