Why Homeowners Insurance Rates Are Crushing Buyers Right Now

Are you letting rising home insurance costs or real estate "gurus" derail your property journey? 📈🏡    In this episode of the Listed Podcast, Vanessa Torres and Christy Garnhart break down real-time market updates across Northern Illinois and Southern Wisconsin while tackling national headlines on skyrocketing homeowner insurance premiums and capital gains tax proposals.  Later, they are joined by real estate developer, investor, and private money lender Gabriella Ariza (owner of Elevate Win Estates). Gabriella shares her inspiring journey of buying a home, renting out rooms to cover her living expenses, losing her tech job, and turning house hacking into a full-time portfolio of flips, multi-family units, and private lending. In this episode, you’ll discover: The Home Insurance Reality: How rising premiums and weather risks are changing buyer affordability. The 70% Formula: Gabriella's exact mathematical breakdown for evaluating flips and calculating rehab contingencies. Private Money Lending Insights: What experienced lenders look for when evaluating both deals and borrower reliability. Vetting Real Estate Mentors: Red flags that indicate an online "guru" course might be a scam. The CTC Milestone: Why you should never schedule your moving truck before getting the official "Clear to Close" email from your lender.   Stop getting stuck in analysis paralysis and take calculated action on your next investment. Subscribe, turn on notifications, and get real-world insights from active real estate professionals!  📌 TIMESTAMPS 00:00 – Welcome & Introduction to the Listed Podcast  03:18 – National Real Estate News: Rising Homeowners Insurance Costs    07:23 – Proposed Capital Gains Tax Exclusion Changes in Congress    09:24 – National Builder Mergers & New Construction Trends    12:38 – Regional Market Update: Stephenson, Carroll & Winnebago Counties    18:08 – Lake Community Real Estate Dynamics & HOA Rules    23:26 – Community Spotlight: Interview with Investor & Lender Gabriella Ariza    27:33 – House Hacking, Live-In Flips & The 70% Investment Formula    38:05 – Underwriting Private Money Deals & Vetting Real Estate "Gurus"    48:09 – Overcoming Analysis Paralysis in Real Estate Investing    52:00 – Agent Tip of the Month: Understanding the Clear to Close (CTC)    🎙️ Subscribe to Listed for new episodes every month. 🏡 Connect with our team: https://goldengirlzteam.com/contact-us/ 📍 Follow us: https://www.facebook.com/REMAXGoldenGirlzTeam #ListedPodcast #RealEstate #NorthernIllinoisRealEstate #HousingMarket #RealEstateNews