In Part 1 of Joey Romero’s conversation with Oscar Wei, Deputy Chief Economist at the California Association of REALTORS® (C.A.R.), they discuss the 2027 housing market forecast, mortgage rate projections, inflation, and housing affordability. Oscar also shares how AI is improving economic research and explores how employment trends, mortgage rate lock-in, and housing supply could shape California’s real estate market.

In this episode:

• C.A.R.’s 2027 housing market forecast and the economic factors shaping its projections.
• How artificial intelligence is transforming economic research, data analysis, and forecasting.
• Federal Reserve interest rate expectations and their potential impact on mortgage rates.
• Inflation, wage growth, consumer spending, and the effects on household budgets.
• Employment trends, AI-related job displacement, and economic uncertainty.
• Mortgage rate lock-in and why homeowners may hesitate to sell their properties.
• California’s housing affordability challenges and the potential benefits of smaller homes and higher-density development.
• How stabilizing mortgage rates, increased housing inventory, and policy changes could help improve homeownership opportunities.

The Norris Group originates and services loans in California and Florida under California DRE License 01219911, Florida Mortgage Lender License 1577, and NMLS License 1623669. For more information on hard money lending, go to www.thenorrisgroup.com and click the Hard Money tab.

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In Part 2 of Joey Romero’s conversation with Karin Hall, discover how self-directed IRAs can help investors explore alternative investments and prepare for retirement. Karin shares practical insights on avoiding costly mistakes, evaluating investment opportunities, and building valuable connections through real estate investor communities.

In this episode:

• Recent retirement account rule changes, required minimum distributions, and alternative investment options
• Identifying investment red flags and conducting proper due diligence before investing.
• Steps to open and fund a self-directed IRA using existing retirement funds
• Understanding prohibited transactions and IRS rules for retirement accounts.
• How OCRIA educates real estate investors through expert panels, meetings, and networking.
• Building valuable relationships and finding investment opportunities through real estate investor communities.
• Preparing for future investments by researching credible sources and understanding different asset classes.

Exclusive Offers for Our Listeners:

Self-Directed IRA Investing: A BiggerPockets Guide:
https://store.biggerpockets.com/products/self-directed-ira-investing-a-biggerpockets-guide

uDirect IRA Services — The Norris Group Partner Offer:
https://udirectira.com/partner/the-norris-group/

Listeners can receive $50 off their setup through the uDirect IRA Services partner offer.

Learn more about Kaaren Hall:
uDirect IRA Services: https://udirectira.com/

The Norris Group originates and services loans in California and Florida under California DRE License 01219911, Florida Mortgage Lender License 1577, and NMLS License 1623669. For more information on hard money lending, go to www.thenorrisgroup.com and click the Hard Money tab.

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Radio Show

In Part 1 of Joey Romero’s conversation with Karin Hall, founder and CEO of uDirect IRA Services and owner of OCREIA, they explore how self-directed IRAs give investors more flexibility in using their retirement funds to invest in real estate and other alternative assets. Karin explains how these accounts work, how investors can move existing retirement funds into a self-directed IRA, and why understanding investment regulations is essential before getting started. They also discuss the role of non-recourse loans, real estate syndications, and the importance of making informed investment decisions when using retirement savings.

In this episode:

• How self-directed IRAs allow investments in real estate and alternative assets beyond the stock market.
• Using retirement funds and non-recourse loans to invest in real estate.
• Transferring existing 401(k) funds and IRAs into a self-directed account.
• Understanding prohibited transactions, disqualified persons, and potential tax penalties.
• How real estate syndications work and what investors should evaluate before committing funds.
• Why due diligence, reviewing investment documents, and researching investment partners are essential.
• Understanding UBIT, UDFI, Roth conversions, and IRA contribution rules.

Exclusive Offers for Our Listeners:

Self-Directed IRA Investing: A BiggerPockets Guide:
https://store.biggerpockets.com/products/self-directed-ira-investing-a-biggerpockets-guide

uDirect IRA Services — The Norris Group Partner Offer:
https://udirectira.com/partner/the-norris-group/

Listeners can receive $50 off their setup through the uDirect IRA Services partner offer.

Learn more about Kaaren Hall:
uDirect IRA Services: https://udirectira.com/

The Norris Group originates and services loans in California and Florida under California DRE License 01219911, Florida Mortgage Lender License 1577, and NMLS License 1623669. For more information on hard money lending, go to www.thenorrisgroup.com and click the Hard Money tab.

Video Link

Radio Show