“I was always a home builder, but lately I’ve developed an apartment complex.” Here in Florida, so many structures are made of stucco because stucco is fairly inexpensive, creates a great finished look, and is easy to apply to homes constructed with concrete blocks. But it can be damaged as a house shifts and settles over time. Companies like Icon, or COBOD International, are making news with their 3-D printed homes (and communities) that build houses layer by layer with cement-based material. But they have generated more headlines than buildings: “Building houses that work twice as good in half the time at the half the price” is a noble goal. The method is largely used to construct walls while conventional methods are used for foundations, floors, roofs, and finishes. Builders have created innovation arms… Lennar, for example, has LenX). Speaking of which, MBA Chairperson Laura Escobar echoed what every MLO in Florida, and most around the nation, know: make homeowner’s insurance and HOA fees part of the pre-qual discussion. (After 6:30AM PT today’s podcast can be found here and this week’s are presented by Flyhomes, the leading wholesale lender for Buy Before You Sell solutions. Whether your borrowers run into DTI issues, need to unlock home equity for down payment, make a stronger, cash-like offer, or even move potentially with no cash out of pocket, Flyhomes provides a full suite of financial products to help them move forward, before selling their current home. Hear an interview with Jeremy Potter and Brian Levy on how the conforming credit box that once offered liquidity to the mortgage market is now fading into obsolescence with the rise of products like non-QM and other creative lending solutions.)