Roar-Society

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Welcome to ROAR Society: Empowering Women to Build Wealth Through Real Estate

ROAR Society is a community of women investors, entrepreneurs, and leaders dedicated to creating financial freedom and generational wealth through real estate. Founded by industry leaders Kathy Ford, Macarena García, Vanessa Lackowitz, and Olga Zuluaga, we empower women with the strategies, mentorship, and confidence to

invest boldly. We specialize in Buy and Hold strategies including BRRRR, Co-Living, Short-Term Rentals (STR), Multi-Tenant Rentals (MTR), and Long-Term Rentals (LTR). Our founders are also experts in Wholesale and Novation, Private Money Lending (PML), and Fix and Flip projects. At ROAR Society, we combine decades of hands-on experience, practical tools, and proven investment strategies to help women analyze deals, maximize profits, and scale their portfolios. We believe every woman can break fear, grow wealth, and create impact through real estate. Follow and share ROAR Society and learn how to invest with confidence, grow your portfolio, and live free.

08/10/2026

Good morning.

Every time the Fed meets, the real estate community holds its breath. Here is the clearest explanation of what to actually watch.

The Fed funds rate does not directly control your mortgage rate. Your mortgage rate is primarily driven by the 10 year Treasury yield and the spread between Treasuries and mortgage backed securities.

Right now, the 10 year Treasury is hovering near 4.46 percent. Mortgage rates are running roughly 200 to 220 basis points above that, landing the 30 year fixed near 6.55 percent.

What would bring that mortgage rate down: a drop in the 10 year yield, which typically happens when inflation cools or when investors move into safe assets during uncertainty. A tightening of the mortgage spread, which can happen as the Fed eases monetary policy.

Neither requires a Fed rate cut announcement to begin moving. Watch the 10 year yield weekly. It is your best early signal.

Bookmark the 10 year Treasury yield and check it once a week. That is one habit that will make you a sharper investor.

What investing action are you kicking off this new week? Drop it below.

08/09/2026

Good morning.

Your debt to income ratio, or DTI, is one of the most important numbers in your investing life, and most people only think about it when a lender denies them.

Here is how it works. Your DTI is your total monthly debt payments divided by your gross monthly income. Most conventional lenders want to see it at 43 percent or below. Some will go to 50 percent with compensating factors.

Why it matters for investors specifically: every investment property you acquire with financing adds to your monthly debt obligations. If you are not tracking your DTI actively, you could find yourself unable to qualify for your third or fourth property even though your portfolio is performing well.

Strategies experienced investors use to manage DTI: using DSCR loans, where the property income qualifies the loan rather than your personal income. Partnering on deals to keep personal debt obligations off your balance sheet. Paying down existing debt before adding a new acquisition.

Pull your DTI today. Know where you stand before you need to know.

What does your current DTI look like and has it factored into your buying strategy? Drop your thoughts below.

08/08/2026

Good morning!

Short term rentals look like an obvious win until you pull the actual expense breakdown.

Here is what most new investors underestimate when they move from long term to short term rental math.

Cleaning fees: $80 to $150 per turnover, which happens multiple times a week. Platform fees: Airbnb and Vrbo take 3 to 15 percent of gross revenue. Furnishing costs: a quality short term rental setup runs $8,000 to $20,000 upfront. Utilities: fully covered by the owner, not split with a tenant. Local licensing: many cities now require short term rental permits, and some have capped or banned them outright.

STRs can absolutely outperform long term rentals in the right location, primarily tourist heavy, high demand markets with low regulation risk. But the income projections you see online almost never include all of the above.

Before you switch strategies, model the full expense picture. Net operating income, not gross revenue, is what actually hits your bank account.

Have you run a full STR expense breakdown on a property you are considering? Drop your numbers below.

One of the most valuable perks inside The Blueprint happens every Monday.Deal Analysis.This is where real estate starts ...
08/07/2026

One of the most valuable perks inside The Blueprint happens every Monday.

Deal Analysis.

This is where real estate starts to feel less overwhelming and more practical.

Investor confidence does not come from guessing. It comes from learning how to study the numbers, calculate risk, compare options, and understand what actually makes a deal work.

Every Monday, Blueprint members get the opportunity to practice that skill.

Even if you do not have a recent deal to bring, you still belong in the room.

Watching another deal get analyzed can teach you what to look for before you buy. You start to see how repairs affect profit, how financing changes the numbers, why ARV matters, and how hidden costs can shift the entire outcome.

Constant deal analysis builds pattern recognition.

The more deals you study, the faster you learn to spot what is strong, what is risky, and what needs a second look.

Join us for Deal Analysis inside The Blueprint.

📅 Monday, August 10, 2026
🕖 7:00 PM EST
🔐 Log in to your Blueprint portal to get the Zoom details.

Bring a deal. Bring a question. Bring your notebook. Or simply come ready to learn how experienced investors think through the process.

Practice the numbers. Strengthen your strategy. Build investor confidence.

PadSplit is not just a trend. It is a signal. Affordable housing is still one of the biggest conversations in real estat...
08/07/2026

PadSplit is not just a trend. It is a signal.

Affordable housing is still one of the biggest conversations in real estate.

Renters are looking for flexibility.

Investors are looking for better cash flow.

And cities are still trying to figure out how to create more housing without waiting years for new construction to catch up.

That is why shared housing models like PadSplit are getting more attention.

Furnished Finder announced that PadSplit added more than 1,000 rooms to its platform, expanding access to private room rentals across the U.S. PadSplit has also been positioning shared housing as a strategy for investors navigating higher rates, tighter rental margins, and changing renter expectations.

For investors, this is worth paying attention to.

Not because every property should become a PadSplit.
Not because every market allows it.
Not because the numbers work automatically.

But because the demand for affordable, flexible housing is real.

A traditional rental asks one tenant or one family to carry the full rent.
A shared housing model can create multiple income streams inside one property.

But the strategy has to be studied carefully.

Before considering PadSplit or any rent by the room model, ask:

Is it allowed in this city?
Does zoning support it?
Will the layout work?
Are there enough bathrooms?
Can the property handle more occupants?
What are the parking requirements?
How will utilities, cleaning, maintenance, and house rules be managed?
Is there real demand from workforce renters in that area?

Shared housing can be powerful when the market, property, and management plan all align.

But it is not a shortcut.

It is a strategy.

Inside ROAR Society, this is the kind of real estate conversation women need to be having right now.

Not just “What is popular?”

But “What is practical, legal, profitable, and sustainable?”

Because smart investors do not chase trends blindly.

They study the model, understand the risk, and decide with strategy.

Study the demand. Check the rules. Run the numbers.

08/07/2026

Good morning.

J.P. Morgan's Global Research team published their U.S. housing outlook and the headline number is 0 percent national home price growth in 2026.

Before that discourages you, read what follows.

Zero percent national growth is an average. Averages hide enormous regional variation. Northeast and Midwest markets are projected at 3 to 4 percent appreciation. Coastal and overbuilt Sun Belt markets pull that average down. Your return is determined by the market you choose, not the national number.

J.P. Morgan also noted that ARM rates could tick downward if the Fed eases, and that builders are offering buydowns of 100 to 200 basis points below the prevailing rate. They called these factors enough, along with rising household wealth, to shift demand higher.

A flat national number does not mean your deal is flat. It means market selection matters more than ever.

Which specific market and strategy are you focused on going into the back half of Q3? Drop it below.

The tax bill you see today may not be the tax bill you own tomorrow. 👑One hidden cost many investors overlook is propert...
08/06/2026

The tax bill you see today may not be the tax bill you own tomorrow. 👑

One hidden cost many investors overlook is property tax reassessment.

A deal can look strong on paper.

The payment looks manageable.

The rent seems to cover the expenses.

The cash flow appears healthy.

Then the tax bill changes after purchase, and suddenly the numbers feel tighter than expected.

This is why serious investors do not only ask, “What are the taxes now?”

They ask, “What could the taxes become after I buy?”

Some properties may have exemptions, old assessed values, owner occupied benefits, or previous tax treatment that may not apply to the next owner.

That matters.

Because a property tax increase can affect your monthly payment, your escrow, your cash flow, and your long term profit.

Before you buy, check this:

Look at the current tax bill.

Check if the seller has exemptions that may disappear.

Call the county assessor or review the property appraiser site.

Estimate taxes based on your purchase price, not just the seller’s current bill.

Ask your lender how taxes may affect the monthly payment.

Run the deal again with a higher tax estimate.

Leave room in your cash flow for changes after closing.

A property that only works with the old tax number may not be as strong as it looks.

Real estate investing is not just about finding the opportunity.

It is about understanding what the property will cost you once it becomes yours.

Inside ROAR Society, this is the kind of detail we want more women paying attention to.

Because small numbers can become big lessons when they are ignored.

And smart investors do not just look at the deal today.

They study what the deal could become tomorrow.

Check the taxes. Rerun the numbers. Protect the cash flow.

Fueling wealth. Amplifying women.

08/06/2026

Good morning.

Here is something economists keep saying that investors should be listening to more closely.

Home sales projections for 2026 were revised downward earlier this year, from 4.5 million to around 4.2 million, primarily because rates stayed higher than expected. But those sales did not disappear. Those buyers are still out there. They are renting, waiting, and accumulating down payments.

That pent up demand does not evaporate. It releases. Usually fast, and usually the moment rates move meaningfully in any direction.

Two things happen when that demand releases. One, properties sell faster and with more competition. Two, the investors who already own assets in those markets see values respond accordingly.

The time to own the property is before the demand surge, not during it.

Where is pent up demand building in your target market right now? Look at your rent trends and absorption rates. That is where you will find it.

The purchase price is not the whole deal. A lot of new investors focus on one number first.The price.But experienced inv...
08/05/2026

The purchase price is not the whole deal.

A lot of new investors focus on one number first.

The price.

But experienced investors know the real question is not just, “Can I buy this property?”

The better question is, “Can this property carry itself after every hidden cost shows up?”

Insurance.
Taxes.
Maintenance.
Vacancy.
Repairs.
Utilities.
HOA fees.
Property management.
Lawn care.
Turnover costs.
Capital reserves.

These are the numbers that do not always look exciting on paper, but they can quietly decide if a deal becomes profitable or painful.

This matters even more right now because housing costs are not only being shaped by interest rates. Insurance costs, replacement costs, weather risk, and property expenses are also changing the way investors need to underwrite deals. NAIC notes that home insurance premiums can be influenced by replacement costs, inflation, interest rates, and broader economic factors, while GAO found that homeowners in disaster-prone areas have seen greater affordability and availability pressure.

So before you call a property a good deal, look beyond the asking price.

Ask yourself:

Can the rent support the real monthly cost?

What happens if insurance renews higher next year?

Are taxes likely to reassess after purchase?

Do I have enough reserves for repairs?

Can the property survive one vacant month?

Is the cash flow still healthy after management and maintenance?

A deal that only works when everything goes perfectly is not a strong deal.

It is a fragile one.

Inside ROAR Society, we want more women learning how to see the full picture before they make the move.

Not just the pretty listing.

Not just the discount.

Not just the excitement of getting started.

The full cost.

The full risk.

The full strategy.

Because wealth is not built by buying property blindly.

It is built by understanding what that property will demand from you after closing.

Look past the price. Study the expenses. Protect the cash flow.

08/05/2026

Good morning.

If you have not updated your market research since 2023, you are working with the wrong map.

Realtor.com's 2026 top housing markets list is dominated by the Northeast and Midwest. Hartford CT, Rochester NY, and Worcester MA are leading nationally. Columbus, Indianapolis, and Kansas City continue to rank strong for cash flow and price growth.

Meanwhile, the markets that topped every list two years ago are softening. Texas and Florida new home construction slowed due to overbuilding. Sun Belt metros that saw explosive pandemic era migration are now seeing demand cool as insurance costs rise, HOA fees climb, and prices stay elevated.

The fundamentals have shifted. The investors who adjusted early are already in position.

If your current target market is where every influencer was pointing in 2021, it might be time to revisit your criteria with fresh data.

Which market are you targeting right now and when did you last pull fresh comps and rent data on it?

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