To view this email as a web page, go to the following address: https://info.dominionfinancialservices.com/index.php/email/emailWebview?mkt_tok=MDA0LUVNRC04MTEAAAGit22nyZHFKeCdDaiLW2REiWigT_OpRgXMfmDTyo5chZBbZPndEK76YYr3JXsqM0A3i5UPIG2dxkhNKr-jVTQaz2nkMpNRbvhuxXwi In this monthly update, we'll keep you informed about market insights, share exciting Dominion Financial news, and give you a heads-up on upcoming events. Your success in real estate investing is our priority, and we're grateful to be your trusted partner on this journey. Dominion News Dominion Financial Ranks Among the Nation’s Top Private Lenders for the Second Consecutive Year Dominion Financial is proud to share that we've earned top placements in the Scotsman Guide 2026 Top Private Lenders report, our second consecutive year of national recognition. We ranked 5th in Multifamily loans, 8th in DSCR loans, 9th in New Construction loans, 11th in Fix and Flip loans, and 15th overall. This recognition reflects what we've always believed: lenders who have operated as real estate investors understand the deals differently. That perspective shapes how we underwrite, structure, and close, and it's what keeps experienced investors coming back. As Jack BeVier, Partner at Dominion Financial, put it: "We've had two consecutive years of being recognized at the top of our industry, and none of it happens without the investors who keep bringing us their deals. We've lived through the same headaches they have. That shared experience is what drives how we lend." ${sec2-col1-btn-text} FHA 90-Day Flipping Rule: Is It Finally Going Away? The FHA's 90-day flipping rule may be on its way out. The current administration is actively reviewing it, the Mortgage Bankers Association supports eliminating it, and the FHA has the authority to change it without an act of Congress. The rule has penalized legitimate operators for decades, prohibiting FHA-backed buyers from purchasing a property until 91 days after the investor's acquisition date regardless of how much work was done. The FHA is now pointing to advances in automated valuation models as a technology-based alternative to time-based seasoning requirements.If the rule is removed, the benefits are immediate: lower carry costs, better deal economics, and project timelines that reflect reality. For investors running BRRRR strategies, a ripple effect on DSCR seasoning requirements could accelerate capital recycling as well. Nothing is official yet, but the direction is encouraging. Mini Analysis | Why This Winter Could Be Brutal for Sellers In this episode, Craig Fuhr and Jack BeVier analyze the current state of the real estate and mortgage markets, discussing the impact of geopolitical events, interest rate movements, and industry consolidation. They explore how th