Welcome Back,

Good Morning, happy Thursday everyone. Your almost there, just a couple more days until the weekend. Today we will be discussing yet another real estate market that you might consider investing in. Enjoy!

— Ryan Rincon

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Daily News Updates:

Market Volatility Ahead of Tariff Announcement

U.S. stock futures declined as investors braced for President Trump's tariff announcement. Tech stocks, including Tesla, experienced downturns, with Tesla's shares down 2.5% pre-market in anticipation of lower Q1 deliveries. Additionally, Visa reportedly offered $100 million to acquire Apple's credit card payment network business, competing with Mastercard and American Express. ​

Democratic Leaders Criticize Tariff Plans

House Minority Leader Hakeem Jeffries criticized President Trump's proposed tariffs, stating they will raise the cost of living for Americans and potentially drive the country toward a recession. Speaking to reporters, Jeffries labeled the day as "Recession Day" instead of "Liberation Day," emphasizing concerns over the economic impact of the tariffs. ​

Investor Strategies Amid Tariff Uncertainty

Investors are exploring defensive strategies to mitigate risks associated with the impending tariffs. Focus has shifted toward stable sectors like consumer staples, healthcare, and utilities. Additionally, there's a flight to safe-haven assets such as U.S. government debt and gold, with the 10-year Treasury yield dropping and gold seeing significant gains in the first quarter of 2025. ​

Citi Warns of Stagflation Risks Due to Tariffs

Citi has issued a warning about the potential for stagflation in the U.S. economy, attributing the rising risks to President Trump's new tariff plans. Stagflation, characterized by weak economic growth and high inflation, presents significant challenges for policymakers. Tariffs exceeding 20%, such as the proposed 25% on imported cars and parts, could lead to significant economic shocks and stagflation over time. ​

SEC Encourages Investor Education During Financial Literacy Month

The Securities and Exchange Commission (SEC) is promoting investor education during Financial Literacy Month. Throughout April, the SEC encourages investors to utilize free saving and investing tools available on Investor.gov, including the "Ten Investment Tips for 2025 Investor Bulletin" and a Financial Literacy Month Quiz. ​

Small Business Owner Testifies Before U.S. House Committee

Elden Johnson, a small business owner from Minnesota and member of the National Federation of Independent Business (NFIB), testified before the U.S. House Committee, urging Congress to alleviate regulatory burdens impacting Main Street businesses. Johnson emphasized the challenges small businesses face due to complex regulations and the need for legislative support to foster growth and innovation. ​

Wall Street Experiences Volatility Ahead of Tariff Announcement

U.S. stocks experienced fluctuations as investors awaited details of President Trump's tariff plans. The S&P 500 hovered near recent lows, with the Wall Street "fear gauge" elevated, reflecting market anxiety over potential trade disruptions and economic impacts. ​

Trump Administration Adds Beer, Can Imports to Aluminum Tariffs

The Trump administration has expanded its tariff measures by adding beer and can imports to the existing 25% U.S. aluminum tariffs. This move aims to further protect domestic aluminum producers but has raised concerns among beverage manufacturers about increased production costs. ​

Private Employers Added 155,000 Jobs in March

Private employers added 155,000 jobs in March, surpassing expectations and indicating resilience in the labor market. Gains were widespread across sectors, led by business and financial services, suggesting continued economic expansion despite looming trade uncertainties.

Real Estate Investing

Market Snapshot:

Toledo, Ohio

As of March 2025, the Toledo housing market has shown a notable uptick. The median home sold price reached $136,168, marking a 9.8% increase from the previous year. Homes are selling at an average of $107 per square foot. The market is brisk, with properties typically going pending in around 10 days. ​

• Median Home Sold Price: $136,168​

• Year-over-Year Price Growth: 9.8%​

• Median Price per Square Foot: $107​

• Median Days to Pending: 10 days

Deal Of The Day:

Multifamily Property in Toledo, OH

• Price: $200,000​

• Units: 5 (2-Bed, 1-Bath each)​

• Monthly Rental Income: $5,000

• Cap Rate: 9.5%​

This 5-unit multifamily property offers a compelling 9.5% cap rate. With each unit renting at $1,000 per month, the property generates an annual rental income of $60,000. Located near downtown Toledo, it provides tenants with easy access to local amenities and employment centers. This investment promises immediate cash flow with potential for appreciation as Toledo's market continues to strengthen.

Deal Rating: 9.1/10

Investment Strategy:

Seller financing involves the seller acting as the lender, allowing the buyer to make payments directly to them. This strategy can be beneficial when traditional financing is challenging to secure. For example, purchasing a property for $200,000 with a 10% down payment and negotiating a 5% interest rate with the seller can lead to favorable terms compared to conventional loans. This approach often results in a quicker closing process and flexible payment structures.

Current Interest Rates:

Real Estate Tip:

Toledo, Ohio

• 30-Year Fixed Residential: 6.925%​

• 15-Year Fixed Residential: 6.132%​

• 5-Year Adjustable-Rate Mortgage (ARM): 7.900%​

Mortgage rates in Toledo are currently averaging 6.925% for a 30-year fixed-rate mortgage and 6.132% for a 15-year fixed-rate mortgage. These rates have seen slight fluctuations, emphasizing the importance for potential buyers to monitor trends and consult with mortgage professionals to secure the best terms.

Navigating Real Estate Investments Amidst Rising Interest Rates

With interest rates on the rise, real estate investors face new challenges in maintaining profitability. Higher borrowing costs can compress profit margins, making it essential to adopt strategic approaches. One effective tactic is to focus on properties with high cap rates, ensuring that the income generated sufficiently offsets financing expenses. Additionally, exploring seller financing or assumable mortgages can provide more favorable terms. Investors should also consider markets with strong rental demand, as consistent cash flow can mitigate the impact of increased debt service. Staying informed about economic indicators and fostering relationships with local real estate professionals can further aid in identifying lucrative opportunities despite the prevailing interest rate environment.

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Economic Conditions

As of January 2025, Toledo's unemployment rate stands at 6.7%, higher than the national average of 4.4%. This elevated rate may influence housing demand and affordability. However, ongoing economic development initiatives aim to bolster job creation, which could positively impact the real estate market in the near future

Market Rating: 7.2/10

Key Takeaways:

• Toledo Market Update: Median home sold price at $136,168, reflecting a 9.8% YoY increase.​

• Deal of the Day: $200,000 multifamily property in Toledo with a 9.5% cap rate, generating $5,000/month in rental income.​

• Tip: Understanding local market trends is crucial for informed investment decisions.​

• Investment Strategy: Seller financing can offer flexible terms and quicker closings.​

• Interest Rates: Current 30-year fixed mortgage rates in Toledo are at 6.925%.

That’s All For Today

I hope you enjoyed today’s issue. If you have any questions regarding today’s issue or future issues feel free to ask. Come back tomorrow for information on how to grow your income and wealth. I hope to see you.

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Disclaimer: This newsletter is for informational and educational purposes only and reflects the opinions of its editors and contributors. The content provided, including but not limited to real estate tips, stock market insights, business marketing strategies, and startup advice, is shared for general guidance and does not constitute financial, investment, real estate, legal, or business advice. We do not guarantee the accuracy, completeness, or reliability of any information provided. Past performance is not indicative of future results. All investment, real estate, and business decisions involve inherent risks, and readers are encouraged to perform their own due diligence and consult with qualified professionals before taking any action. This newsletter does not establish a fiduciary, advisory, or professional relationship between the publishers and readers.