Key Topics Covered
- Lending guideline updates for 2024
- FHA and conventional loan limit increases
- Using boarder income for qualification
- The latest effects of St. Paul rent control
- Investor access and affordability in the changing market
Episode Summary
In TCREI Show #8, Tim and Adam take the mics solo to cover two timely and high-impact topics: 2024 lending updates and the continued saga of St. Paul rent control.
Tim outlines key mortgage guideline changes, including raised FHA and conventional loan limits — a significant win for househackers targeting 2–4 unit properties. New flexibility around boarder income also opens the door for more renters-turned-investors to qualify for their first properties.
Then the hosts pivot to local policy and its fallout. Despite the intent of rent control, permits are down, landlord uncertainty is rising, and rents are going up. What does that mean for investors — and where does the market go from here? Tune in for honest insight and practical takeaways.
Here is a link to the official city rules: https://www.stpaul.gov/departments/safety-inspections/rent-buy-sell-property/rent-stabilization
If you still aren’t clear on a rule, call the city! They have been helpful every time we’ve contacted them for specifics.
Sponsor
Shuk Rentals
Minnesota-based property management software designed to help real estate investors make more money, reduce vacancies, streamline rental efficiencies, and more.
Website: www.shukrentals.com
Promo Code: TCREI20 — Get 20% off all subscriptions for the first year
Resources & Links
- Listen on Spotify
- Apply with Tim – Mortgage Application
- Book a Strategy Call with Adam
- Book a Strategy Call with Tim
- Twin Cities Investing Facebook Group
- Twin Cities Investing Meetup Group
- Twin Cities Investing Website
- Contact Adam: Adam@UpsidePropertySales.com
- Contact Tim: Tim@TimSwierczek.com
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About the Show
The Twin Cities Real Estate Investing Show is hosted by Tim Swierczek, a mortgage expert with over 22 years of experience and 2,000+ loans closed, and Adam Tafel, a top-producing Realtor and Twin Cities investor. Each week, they dive into real-world investing strategies, share local market insights, and interview active investors to help you grow your portfolio — one smart decision at a time.
Meet Your Hosts
Tim Swierczek
Mortgage Loan Officer | Real Estate Investor
Specializing in house hacking, investment lending, and creative finance
Based in the Twin Cities
Apply with Tim | Book a Call
Email: Tim@TimSwierczek.com
Adam Tafel
Realtor | Real Estate Investor
Helping clients buy, sell, and invest in Twin Cities real estate
Based in Highland Park
Book a Call
Email: Adam@UpsidePropertySales.com