One of the biggest surprises for parents is that when your child turns 18, you no longer automatically have access to their educational or medical information—even if they’re still on your insurance and you’re paying for college. These three simple documents can make a huge difference if an emergency ever happens: ✅ FERPA Waiver ✅ Healthcare Power of Attorney ✅ Financial Power of Attorney Hopefully you’ll never need them—but if you do, you’ll be glad you planned ahead. Do you already have these in place for your college-aged child, or was this new information to you? Let me know in the comments.

Many investors assume the bank can immediately call the loan due when a homeowner dies. Not necessarily. Federal law provides important protections for heirs and family members. In many cases, when a property passes to a relative through inheritance, the lender cannot accelerate the loan solely because of the transfer caused by the borrower's death. That means: ✅ The mortgage doesn't automatically disappear.✅ The mortgage payments still need to be made.✅ Heirs may be able to continue making payments and keep the existing loan in place.✅ The lender generally cannot call the loan due simply because ownership transferred through inheritance. However, this protection doesn't necessarily extend forever. If the heir later sells the property to a third-party investor, the lender's due-on-sale rights may be triggered, giving the lender the contractual ability to accelerate the loan. For investors, this creates opportunities—but also risks. Understanding how inheritance, probate, due-on-sale clauses, and title transfers work can make the difference between a great deal and a costly mistake. Have you ever inherited a property or purchased one from an estate? What challenges did you run into?

First DSC Accountability Call for Premium Members kicking off at 11am. If you're interested in joining and executing on one of your To-Dos, join us on Zoom.

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Hey all! Just returned from Coaching Inc. - a mastermind for real estate educators. We're flattered to have been invited as the legal go-to for members. What masterminds are you part of or what conferences do you recommend we check out?