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Daily News Updates:

Business Investment Sees Sharpest Decline in Six Months

New orders for U.S.-manufactured capital goods dropped significantly in April, indicating a slowdown in business spending amid ongoing trade uncertainties. This marks the steepest decline in six months, raising concerns about the strength of the economic recovery.

Consumer Confidence Rebounds After Five-Month Decline

The Conference Board reported a 12.3-point increase in its Consumer Confidence Index for May, reaching 98.0. This uptick follows five consecutive months of decline, suggesting renewed optimism among consumers despite lingering tariff concerns.

Small Business Deduction Faces Uncertainty

The National Federation of Independent Business (NFIB) is urging Congress to make the 20% small business deduction permanent. Without legislative action, the deduction is set to expire at the end of the year, potentially increasing tax burdens for small enterprises.

Historic Dollar Decline Needed to Address Trade Deficit

Analysts suggest that a significant depreciation of the U.S. dollar may be necessary to eliminate the country's trade deficit. However, such a move carries risks, including potential inflationary pressures and impacts on global financial markets.

ASEAN Launches Plan for Economic Integration

The Association of Southeast Asian Nations (ASEAN) unveiled a strategic plan aimed at harmonizing trade standards and enhancing financial integration among member states. The initiative aspires to position ASEAN as the world's fourth-largest economy.

EU and U.S. Resume Trade Talks Amid Tariff Threats

President Trump acknowledged the European Union's proposal to set up trade meetings as a positive development. However, he reiterated the possibility of imposing unilateral trade terms if no agreement is reached, keeping tensions high between the two economies.

Starbucks Announces 1,100 Job Cuts and Menu Simplification

Starbucks revealed plans to eliminate 1,100 positions across its U.S. stores as part of a cost-reduction strategy. The company also intends to streamline its menu by reducing offerings by 33%, aiming to improve operational efficiency.

Granen Insurance Partners with EZLynx for Growth

Granen Insurance has selected EZLynx to enhance its operations across personal and commercial lines. The collaboration aims to leverage real-time insights and data-driven decisions to fuel agency growth.

Side Hustles Reach All-Time High Among U.S. Workers

A record number of full-time office workers are engaging in side gigs and second jobs, driven by economic uncertainties and rising living costs. This trend reflects a growing shift towards diversified income streams among the workforce.

AI Tools Empower Entrepreneurs to Understand Customers

Entrepreneurs are increasingly adopting AI technologies to gain deeper insights into customer behavior. These tools enable businesses to tailor their offerings more effectively, enhancing customer satisfaction and loyalty.

Real Estate Investing

Market Snapshot:

Houston, Texas

Houston's real estate market in April 2025 showcases stability with subtle shifts. The median home price stands at $339,990, reflecting minimal change year-over-year, while the average price is $437,407 . Homes are spending an average of 42 days on the market, a slight increase from the previous year.

Inventory has risen, with 34,989 active listings, marking a 37% increase compared to April 2024 . Notably, 60.8% of homes sold below the asking price, indicating potential negotiation opportunities for buyers.

Overall, Houston presents a balanced market, offering opportunities for both buyers and sellers to navigate with informed strategies.

Deal Of The Day:

5-Unit Multifamily Property in Houston Heights

• Price: $1,100,000

• Units: 5 (2-Bed, 1-Bath)

• Monthly Rental Income: $8,500

• Cap Rate: 8.2%

Situated in the vibrant Houston Heights neighborhood, this 5-unit multifamily property offers a compelling investment opportunity. Each unit rents for approximately $1,700/month, totaling $102,000 in annual rental income. With a cap rate of 8.2%, investors can anticipate strong cash flow.

The property is within walking distance to local eateries, parks, and entertainment venues, enhancing its appeal to tenants seeking an urban lifestyle. Recent renovations include updated kitchens and bathrooms, reducing immediate maintenance costs. Given the area's popularity and ongoing development, this property is poised for both income and appreciation.

Deal Rating: 7.1/10

Investment Strategy:

Utilize the "Lease-Option" Approach

The lease-option strategy involves leasing a property to a tenant with the option to purchase at a predetermined price within a specific timeframe. This approach can generate steady rental income while providing a potential exit strategy.

Example: An investor leases a Houston property for $1,800/month with a 2-year option to buy at $250,000. If the tenant exercises the option, the investor benefits from the sale; if not, they retain the rental income and can reassess the property's value.

Current Interest Rates:

Houston, Texas

• 30-Year Fixed Residential: 6.89%

• 15-Year Fixed Residential: 6.19%

• Commercial Rates: Starting at 5.49% for multifamily properties

Interest rates in Houston have seen slight fluctuations, with the 30-year fixed residential rate at 6.89%, making borrowing costs relatively affordable. The 15-year fixed rate offers a lower interest option for those seeking quicker equity build-up. Commercial rates starting at 5.49% present opportunities for investors looking into multifamily or mixed-use properties.

Real Estate Tip:

Leverage Local Market Expertise

Engaging with local real estate professionals can provide invaluable insights into neighborhood trends, pricing strategies, and investment opportunities. Their on-the-ground knowledge can help identify emerging markets and avoid potential pitfalls.

Example: An investor partnered with a Houston-based real estate agent who identified an undervalued property in an up-and-coming neighborhood. Post-renovation, the property's value increased by 15%, yielding a significant return on investment.

Navigating Houston's Real Estate Landscape in 2025

As we progress through 2025, Houston continues to solidify its position as a prime location for real estate investment. The city's blend of affordability, economic growth, and urban development creates a conducive environment for both novice and seasoned investors.

Neighborhoods like Houston Heights, Montrose, and EaDo are witnessing revitalization, attracting young professionals and families alike. These areas offer a mix of historic charm and modern amenities, making them hotspots for rental properties.

The city's commitment to infrastructure improvements and community development projects further enhances property values. Investors focusing on value-add opportunities can capitalize on properties needing minor enhancements or cosmetic upgrades. Small investments, such as $5,000–$10,000 in kitchen updates or curb appeal improvements, are often yielding double-digit increases in rental value.

Additionally, short-term rentals near attractions like the Museum District or downtown's Discovery Green are seeing increased demand, especially during seasonal events. What's also promising is the local government's support of housing initiatives and mixed-use development, which has helped streamline the permitting process and boosted investor confidence.

While some may be concerned about rising property taxes or insurance rates, these increases are still modest compared to coastal markets, and the rent-to-value ratios remain among the best in the country. For those new to real estate or looking to diversify outside of higher-priced coastal cities, Houston offers strong fundamentals, a stable tenant base, and room for growth.

Economic Conditions

Houston's economy is on a stable growth trajectory. The city's GDP is projected to grow by 2.2% in 2025, reflecting a healthy economic environment . The unemployment rate stands at 4.1%, indicative of a strong labor market .

Key industries such as energy, healthcare, and technology continue to thrive, attracting a skilled workforce and supporting housing demand. The city's affordability compared to other metros makes it an attractive destination for both businesses and residents.

Market Rating: 8.2/10

Key Takeaways:

• Market Snapshot: Houston's real estate market remains stable with a median home price of $339,990 and increased inventory, offering opportunities for buyers and investors.

• Deal Of The Day: A 5-unit multifamily property in Houston Heights priced at $1,100,000 with a cap rate of 8.2% presents a lucrative investment opportunity.

• Real Estate Tip: Leveraging local market expertise can lead to informed decisions and higher returns on investment.

• Investment Strategy: The lease-option approach allows investors to generate rental income while providing tenants the option to purchase, offering flexibility and potential profits.

• Interest Rates: Houston's mortgage rates are competitive, with residential rates around 6.89% and commercial rates starting at 5.49%, facilitating various investment strategies.

• Economic Conditions: Houston's projected GDP growth of 2.2% and a strong labor market underscore its robust economy, supporting a healthy real estate market.

• Insight: Houston's diverse neighborhoods, infrastructure improvements, and supportive policies make it an attractive market for real estate investors in 2025.

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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.

^_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.