Banks dumping real estate in 2025 (only 31% left) | 1440

Epic Real Estate Investing

Matt Theriault

Education, Business, Investing, How To

4.8 • 955 Ratings

🗓️ 11 March 2025

⏱️ 9 minutes

🔗️ Recording | iTunes | RSS

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Summary

In this episode, we reveal significant shifts in the lending market and how they impact real estate investors. Traditional banks now only handle 31% of all loans, down from 44% two years ago, and the number of U.S. commercial banks has decreased drastically since 1984. Investors face challenges as traditional lenders take 30-60 days for approvals, while life insurance companies, commercial mortgage-backed securities, and agency lending are stepping in to fill the void. We share a compelling example of how these changes affected one investor, Elena. She faced significant delays and obstacles with traditional banks but turned her fortunes around using specialized lenders. Our discussion includes how these lenders differ from traditional banks and why they are better suited for today’s market needs. A Google Doc playbook is available through the link provided, offering strategies for navigating the current lending environment. Elena's playbook: https://docs.google.com/document/d/1kzB9133SCpNk9Q4oZAT6Th0lmAsdLzPLKemSomfFhKU/edit?tab=t.0#heading=h.gjxl0kndg2lx Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	This is Terio Media.
0:04.0	Hey, strap in!
0:07.0	It's time for the epic real estate investing show.
0:10.0	We'll be your guides as we navigate the housing market, the landscape of creative financing strategies, and everything you need to swap that office chair for a beach chair.
0:19.0	If you're looking for some one-on-one help, meet us at
0:21.7	rei-aise.com. Let's go, let's go, let's go, let's go, let's go, let's go, let's go.
0:28.2	While the general public has no clue, industry experts are quietly forecasting a major
0:32.5	lending bounce back in 2025. But here's the shocking truth. Traditional banks now handled just 31% of all loans,
0:40.8	down from 44% just two years ago. If you're struggling to find good financing, and let's be
0:46.0	honest, that's every investor's biggest challenge. Stay with me, because what I'm about to share
0:49.9	could completely change how you fund your next deal. Let me take you behind the scenes and show you
0:54.7	some numbers very different than what you'll see in the mainstream media. Look at this shocking trend.
0:59.1	The number of U.S. commercial banks has plummeted by 70% since 1984, dropping from 14,400 to just
1:07.2	4,375 today. That's not just a statistic.
1:11.4	That's fewer options for you as an investor.
1:13.9	And here's what most people don't realize about this decline.
1:16.5	Traditional banks are moving at a glacial pace, taking 30 to 60 days for approvals while
1:21.4	deals are getting snatched up in hours.
1:23.3	A massive $957 billion in commercial mortgages are maturing in 2025 alone. That's 3% more than last year,
1:31.8	creating a perfect storm of competition for financing. Despite the Fed starting its rate-cutting cycle
1:37.7	last year, Fannie Mae still expects 30-year fixed-rate mortgages to average around 6.8% throughout
1:43.7	2025, higher than their earlier
	...

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