Searches for HELOCs appear more frequent in Irvine, Honolulu and Denver with Seattle and Charlotte rounding out the top 5. The map below shows the cities with significant search interest. Disclaimer - This material has been distributed for informational purposes only and should not be considered as investment advice or a recommendation of any particular security, strategy or investment product.

Data from the St. Louis Fed shows rates on 24 month personal loans trending up in recent quarters. The recent increase in rate has not kept pace with the increase in 2 year treasury yields. The spread of the loan minus treasury rates has decreased from a peak of 10.67% in May 2012 to 7.81% in May 2018. This decrease of almost 300 basis point may be a result of banks getting more comfortable with personal credit. For banks to maintain this spread personal loan rates will incr

Institutional investor focus on traditional Fix & Flip (or Hard Money) loans has been the result of several factors. The primary motivation for the increased focus is displayed in the above chart. Fix & Flip loans have a higher yield for assets of similar maturity. In today's market, assets with similar yields are closer to maturities of 8-10 years versus the 1.5 - 2 year duration for the loans. Improved business intelligence (BI) tools for real estate are another factor in t