The market landscape is evolving fast, and your investment strategy should keep pace. In recent weeks, we’ve seen mortgage rates spike, local regulations tighten, and capital shift into new asset classes like build-to-rent and industrial flex. Whether you're flipping in Atlanta, building a rental portfolio in Miami, or wholesaling in North Carolina, here’s what you need to know this month:

Mortgage Rates Hit 2025 High – Time to Recalibrate

As of May 22, the average 30-year fixed mortgage rate climbed to 6.86%, the highest level since mid-February 2025. While the increase is just 0.05%, the impact is significant in coastal and Sun Belt markets where acquisition costs are already tight.

• For a $500,000 property, that rate jump could mean an extra $250/month in mortgage payments.

• Investors relying on leverage should reassess assumptions.

Takeaway

• Fix-and-flip and multifamily investors: Now is the time to revisit your cash flow models and adjust your offers accordingly.

Miami-Dade Inventory Surge Signals Buyer Leverage

New data released on May 19 shows 20,735 active listings in Miami-Dade County, marking an 8.6% month-over-month increase. Despite this surge in supply:

• Median home prices continue to rise: up 9.5% year-over-year to $575,000.

Takeaway

• If you're pursuing bulk condo acquisitions or SFR rentals in areas like Hialeah or Homestead, it’s officially a buyer’s market.

• Now is the time to negotiate aggressively and lock in favorable terms.
   

North Carolina Finalizes Wholesaler Licensing Law

On May 23, 2025, North Carolina finalized implementation rules for House Bill 797, a regulatory law passed in 2024. Beginning October 1, residential wholesalers will be required to hold a real estate broker license to legally operate in the state.

• Wholesaling represented 12% of all residential transactions in Charlotte and Raleigh last year.

• This regulatory shift will require operational and legal restructuring.

Takeaway

• If you're wholesaling in NC, begin compliance preparations immediately.

• Consider legal support, process audits, and licensing pathways.
   

️ Atlanta 2025 Market: Balanced Growth & Strategic Opportunity

Atlanta is entering a phase of controlled appreciation and rising sales volume, driven by:

• Strong job creation

• Demographic momentum

• Improved affordability metrics

Market Projections

• Home prices:

  • Average growth: +3.2% annually

  • Goldman Sachs forecast: +4.4%

  • Moody’s forecast: +0.3%

• Sales volume: Projected to rise 13.5% due to demand growth and anticipated rate drops (potentially to 5.2% later this year)

Top Performing Areas

• Urban:

  • Buckhead

  • Midtown

  • Brookhaven

• Suburban:

  • Lower entry prices

  • Strong long-term rental upside

  • Ideal for Buy-and-Hold strategies

Takeaway

• Focus on suburban expansion, tech-adjacent neighborhoods, and transit-linked mixed-use developments.