Mortgage Rules Changed: What Creative Investors Must Do Now
Sat Nov 15 2025
Big news just dropped in the real estate world… and creative investors need to pay attention.
This week, Jeff Coffman and Ken Rossics break down two HUGE policy shifts that could reshape the entire housing market:
1. The proposal for a 50-year mortgage
2. Fannie Mae removing its minimum credit-score requirement
Both changes sound wild on the surface… but if you look a little deeper, they actually open new doors for creative real estate investors who know how to structure deals the right way.
In this episode, we break down what these updates really mean for the market, how they’ll affect buyers and sellers, and why they could create the perfect storm of opportunity for investors using creative strategies like subject-to, seller financing, wraps, and hybrids.
💡 In This Episode You’ll Learn:
✅ How 50-year mortgages impact monthly payments, affordability, and cash flow
✅ Why removing minimum credit scores could increase mortgage failures
✅ How looser credit rules create more motivated sellers
✅ The hidden upside for investors who buy sub2 and wrap mortgages
✅ Why lower payments can boost your long-term profits
✅ How these shifts could spark a wave of buy-downs, defaults, and deal flow
✅ The practical steps creative investors should take right now
🧠 The Creative Investing Angle
Lower payments mean more spread for creative investors.
Looser credit rules mean more distressed sellers down the line.
If you understand the cycle, these changes can put you in front of the wave instead of behind it.
🎧 Catch the show every Friday at 11AM Central — LIVE
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📌 Keywords
50 year mortgage explained, Fannie Mae credit score changes, real estate investing 2025, creative finance strategies, subject to investing, seller financing 2025, housing market update, real estate news 2025, no credit score mortgage, mortgage failures 2025, creative real estate podcast, Sub2Empire
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Big news just dropped in the real estate world… and creative investors need to pay attention. This week, Jeff Coffman and Ken Rossics break down two HUGE policy shifts that could reshape the entire housing market: 1. The proposal for a 50-year mortgage 2. Fannie Mae removing its minimum credit-score requirement Both changes sound wild on the surface… but if you look a little deeper, they actually open new doors for creative real estate investors who know how to structure deals the right way. In this episode, we break down what these updates really mean for the market, how they’ll affect buyers and sellers, and why they could create the perfect storm of opportunity for investors using creative strategies like subject-to, seller financing, wraps, and hybrids. 💡 In This Episode You’ll Learn: ✅ How 50-year mortgages impact monthly payments, affordability, and cash flow ✅ Why removing minimum credit scores could increase mortgage failures ✅ How looser credit rules create more motivated sellers ✅ The hidden upside for investors who buy sub2 and wrap mortgages ✅ Why lower payments can boost your long-term profits ✅ How these shifts could spark a wave of buy-downs, defaults, and deal flow ✅ The practical steps creative investors should take right now 🧠 The Creative Investing Angle Lower payments mean more spread for creative investors. Looser credit rules mean more distressed sellers down the line. If you understand the cycle, these changes can put you in front of the wave instead of behind it. 🎧 Catch the show every Friday at 11AM Central — LIVE 🔹 Join our FREE Facebook Group → https://www.facebook.com/groups/sub2empire 🔹 Follow us on Instagram → https://www.instagram.com/sub2empire/ 🔹 Connect on LinkedIn → https://www.linkedin.com/company/sub2empire/ 📌 Keywords 50 year mortgage explained, Fannie Mae credit score changes, real estate investing 2025, creative finance strategies, subject to investing, seller financing 2025, housing market update, real estate news 2025, no credit score mortgage, mortgage failures 2025, creative real estate podcast, Sub2Empire Subscribe to The Creative Real Estate Investing Mastery Podcast - Powered by Sub2Empire on Soundwise