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Enhanced SALT Tax Break Will Help Many Homeowners

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By Robert P. Russo, CPA PC

The One Big Beautiful Bill Act (OBBBA), enacted on July 4, will allow more taxpayers to fully deduct their state and local tax (SALT) expenses (including property tax). Here are the details.

SALT Deduction Expanded

Under the Tax Cuts and Jobs Act, the itemized deduction for SALT was limited to $10,000 ($5,000 for married individuals who file separately) beginning in 2018.

This limitation negatively affected taxpayers living in locations with high state income tax rates and those who pay high property taxes because:

  • They live in a high-property-tax jurisdiction,
  • They live in a location with high property values,
  • They own an expensive home, or
  • They own both a primary residence and one or more vacation homes.

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Under the OBBBA, for 2025 through 2029, the SALT deduction limit increases from $10,000 to $40,000 (or $20,000 for separate filers) with 1% annual inflation adjustments. So, for 2026, the cap will be $40,400 ($20,200 for separate filers).

But unless Congress takes further action, the SALT deduction limit is scheduled to revert to the prior-law limit of $10,000 ($5,000 for separate filers) in 2030.

Note: Several states have established SALT deduction workarounds for pass-through entities. These workarounds aren’t addressed or limited by the OBBBA.

Smaller Benefit for Some Taxpayers

Under the OBBBA, for 2025, the higher SALT limit begins to be reduced for taxpayers with modified adjusted gross income (MAGI) over $500,000 ($250,000 for separate filers). These thresholds will also be increased by 1% annually for 2026 through 2029.

When a taxpayer’s MAGI exceeds the applicable threshold, the otherwise allowable SALT deduction limitation is reduced by 30% of MAGI above the threshold, but not below $10,000 ($5,000 for separate filers). Here’s an example: Greg and Tina are a married couple who file jointly and live in a high-tax state. For 2025, their combined SALT expenses are $60,000. Their MAGI is $550,000 for 2025, which is $50,000 above the applicable threshold. Therefore, their SALT deduction for 2025 is limited to $25,000 [$40,000 minus (30% times $50,000)].

Because of the 30% reduction, the expanded SALT deduction doesn’t benefit taxpayers with MAGI at or above $600,000 ($300,000 for separate filers).

Deducting State and Local Income vs. Sales Tax

The SALT deduction continues to be available for property taxes plus the total state and local income taxes or the total of all sales taxes. Choosing to deduct sales taxes is a helpful option if you owe little or nothing for state and local income taxes, or you made a major purchase that causes your sales tax to exceed your state and local income tax.

If you opt to deduct sales tax, you don’t have to save all of your receipts for the year and manually calculate your sales tax; you can use the IRS Sales Tax Calculator on the IRS website to determine the amount of sales tax you can claim. (It includes the ability to add actual sales tax paid on certain big-ticket items, such as a car.)

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Start Planning Now

If you have high SALT expenses, to get the maximum benefit from the increased deduction limit, you need to plan carefully between now and year-end. For example, you may want to take steps to keep your MAGI under the reduction threshold. Or you might want to accelerate property tax payments into 2025.

Contact our office for help determining the right strategy for your specific situation.

MEET ROBERT P. RUSSO, CPA PC

As the founder and principal of Russo CPA, P.C, Bob pleasantly surprises clients (plus the IRS and lawyers) with his proactive, caring, and interested approach. Bob’s authentic passion for both numbers and people is why his accounting firm is sought after by everyone from solopreneurs to CFOs. And it’s what energizes his fast-growing team of top CPAs who follow his lead by providing impeccable service to clients – without the CPA geek speak.

The only thing geeky about Bob is his favorite reading material: the latest tax regulations, codes, and rulings (so he can secure every possible tax advantage for his clients). You might mistake Bob for the charismatic entrepreneur and CFO behind an internet travel startup or a visionary real estate developer. That’s because he held those roles during his 30-year career as an accountant, which began at a high-profile accounting firm. While CPAs aren’t required to have “field” experience, the best ones do. But Bob doesn’t define success by his own achievements, it’s what he achieves for his clients. Because of his entrepreneurial past, Bob relates so well to his clients. In addition to serious tax savings most firms would miss, he empowers his clients with real-world accounting and financial insights to increase business.

Bob is even results-driven outside of work, whether it’s finishing the 2012 NYC Iron Man or volunteering for 12 years as President of a kids’ soccer league. While his bottom-line results are always impressive, what matters to Bob are the people who benefit from them.

When he’s not immersed in accounting, Bob is with his family, cooking up elaborate 18-course meals or globetrotting.

Robert P Russo CPA PC
Certified Public Accountants
231 W. 29th Street (bet 7th & 8th Ave)
Suite 500
New York, NY 10001
O: 212-279-9800
C: 917-207-9278
F:866-396-2310
www.robertprussocpa.com 

AB-130: The New California Law that States That a Homeowner Association Fee Violation Cannot be More than $100?

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By Dan Harkey

Abusive HOA practices: Some homeowner associations harass their property owners with continuous fee assessments for every little thing. The propensity is irritating and makes property owners feel like another big brother is watching and harassing them. The practice is abusive and creates a bureaucratic infrastructure that supports itself on the backs of homeowners.

Summary

Abusive HOA practices: Some homeowner associations harass their property owners with continuous fee assessments for every little thing. The propensity is irritating and makes property owners feel like another big brother is watching and harassing them. The practice is abusive and creates a bureaucratic infrastructure that supports itself on the backs of homeowners.

It may now be a better strategy to merely pay a $100 fine to keep them off your back.  And smile all the way to the refrigerator for a cold beer or glass of wine.

The new California Law, which caps most homeowner association (HOA) fines at $100, is Assembly Bill 130 (AB 130), effective 1 July 2025.

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Language of the new Law:

SEC. 3.

 Section 5850 of the Civil Code is amended to read:

5850.

 (a) If an association adopts or has adopted a policy imposing any monetary penalty, including any fee, on any association Member for a violation of the governing documents, including any monetary penalty relating to the activities of a guest or tenant of the Member, the board shall adopt and distribute to each Member, in the annual policy statement prepared pursuant to Section 5310, a schedule of the monetary penalties that may be assessed for those violations, which shall be in accordance with authorization for Member discipline contained in the governing documents.  Monetary penalties shall be reasonable.

(b) Any new or revised monetary penalty that is adopted after complying with subdivision (a) may be included in a supplement that is delivered to the members individually, pursuant to Section 4040.

(c) A monetary penalty for a violation of the governing documents shall not exceed the lesser of the following:

(1) The monetary penalty stated in the schedule of financial penalties or supplement that is in effect at the time of the violation.

(2) One hundred dollars ($100) per violation.

(d) (1) Notwithstanding subdivision (c), the board may impose a penalty stated in the schedule of monetary penalties or supplement that is in effect at the time of the violation that is greater than one hundred dollars ($100) per violation, if the violation may result in an adverse health or safety Impact on the common area or another association Member’s property.

(2) Before imposing a penalty on a violation pursuant to this subdivision, the board shall make a written finding specifying the adverse health or safety Impact in a board meeting open to the members.

(e) A late charge or interest shall not be charged to a Member for a monetary penalty.

(f) An association shall provide a copy of the most recently distributed schedule of monetary penalties, along with any applicable supplements to that schedule, to any Member upon request.

SEC. 4.

 Section 5855 of the Civil Code is amended to read:

5855.

 (a) When the board is to meet to consider or impose discipline upon a Member, or to impose a monetary charge as a means of reimbursing the association for costs incurred by the association in the repair of damage to the common area and facilities caused by a Member or the Member’s guest or tenant, the board shall notify the Member in writing, by either personal delivery or individual delivery pursuant to Section 4040, at least 10 days before the meeting.

(b) The notification shall contain, at a minimum, the date, time, and place of the meeting, the nature of the alleged violation for which a Member may be disciplined or the nature of the damage to the common area and facilities for which a monetary charge may be imposed, and a statement that the Member has a right to attend and may address the board at the meeting.  The board shall meet in executive session upon the request of a Member.

(c) A Member shall have the opportunity to cure the violation before the meeting.  The board shall not impose discipline in either of the following circumstances:

(1) The Member cures the violation before the meeting.

(2) If curing the violation would take longer than the time between the notice provided pursuant to subdivision (a) and the meeting, the Member provides a financial commitment to remedy the violation.

(d) If the board and the Member are not in agreement after the meeting, a Member shall have the opportunity to request internal dispute resolution pursuant to Section 5910.

(e) If the board and the Member are in agreement after the meeting, the board shall draft a written resolution.  The written resolution, signed by the board and the Member of the dispute pursuant to procedures not in conflict with the Law or governing documents, binds the association and is judicially enforceable.

(f) If the board imposes discipline on a Member or imposes a monetary charge on the Member for damage to the common area and facilities, the board shall provide the Member with a written notification of the decision, by either personal delivery or individual delivery pursuant to Section 4040, within 14 days following the action.

(g) A disciplinary action or the imposition of a monetary charge for damage to the common area shall not be effective against a Member unless the board fulfills the requirements of this section.

 Key provisions of AB-130:

$100 fine cap: For most violations of the HOA’s rules, the association cannot fine a homeowner more than $100 per violation.  This is a significant reduction from previous practices, where daily fines could quickly escalate into thousands of dollars.

  • No interest or late fees: The Law explicitly prohibits HOAs from charging late fees or interest in monetary penalties, which in the past could cause a financial hardship for residents.
  • Health and safety exception: HOAs can still issue fines above the $100 cap if the violation poses an adverse public health or safety risk.  However, the board must first make a written finding detailing the specific health or safety Impact at a public meeting.
  • Right to cure: Before a fine can be imposed, the homeowner must be given the opportunity to correct the violation.  If the issue is fixed within the specified timeframe, the HOA cannot impose a penalty.  The Law also requires homeowners to receive at least 10 days’ advance notice before a disciplinary hearing.
  • Written decision: After a disciplinary hearing, the HOA board must issue a written decision to the homeowner within 14 days. 

Context of the Law:

AB 130 was enacted to address and curb what lawmakers and housing advocates described as excessive and punitive HOA fines that contribute to the state’s housing affordability crisis.  The goal was to rebalance power between homeowners and HOA boards, focusing on compliance with regulations rather than using hefty fines as a form of revenue or harassment. 

What violations allow fines over $100?

Under California’s Assembly Bill 130 (AB 130), an HOA can fine a homeowner more than the $100 cap only if the violation creates an “adverse health or safety Impact.”

The board must first issue a written finding detailing the specific risk at an open meeting before imposing a higher fine.  While the Law does not provide an exhaustive list of qualifying violations, legal experts and related HOA sources have provided examples.  These are generally conditions that expose residents to a risk of harm or negatively Impact the well-being and safety of the community.

Examples of health and safety violations:

Safety hazards: Violations that create unsafe conditions in common areas, such as:

  • Use glass containers in areas near pools or other hazardous locations.
    • Parking illegally in a fire lane or in a way that blocks visibility for drivers.
    • Setting off fireworks.
    • Not properly securing aggressive or dangerous pets.
    • Hazardous construction or maintenance on a property.
  • Public nuisance and property damage: Actions that cause damage or threaten the structural integrity of a property:
    • Severe hoarding that leads to insect or rodent infestations.
    • Improperly disposing of hazardous materials.
    • Performing unpermitted or dangerous work, such as with plumbing or electrical lines.
  • Air quality issues: Some HOAs may classify secondhand smoke as a health risk, potentially allowing for higher fines.  This is especially the case for secondhand marijuana smoke that infiltrates another unit.
  • Excessive noise: While a single loud party may only warrant a $100 fine, a violation that significantly disrupts sleep and well-being, particularly in high-density buildings, may be deemed a health issue.
  • Short-term rentals: Some HOAs may impose higher fines on unapproved short-term rentals, mainly if they are found to disrupt community security. 

What is required for higher fines:

 To enforce a fine higher than $100 for a health or safety violation, the HOA board must follow strict procedures: 

 ·       Hold an open meeting for homeowners.

·       Make a written finding that the violation poses a specific, adverse health or safety risk.

·       Include a copy of this finding in the disciplinary hearing notice sent to the homeowner. 

What other enforcement options can HOAs use besides fines?

In addition to fines, California HOAs can employ several other enforcement options, including suspending a homeowner’s privileges, pursuing legal action to enforce compliance, and engaging in alternative dispute resolution (ADR).  These options are typically outlined in the association’s governing documents, such as the Covenants, Conditions, and Restrictions (CC&Rs).

 Suspension of privileges:

An HOA may have the power to suspend a homeowner’s rights to use specific standard amenities for violations, provided that due process requirements are met and permitted by the governing documents.

 Examples of suspendable privileges:

  • Use of standard facilities like pools, gyms, or clubhouses.
    • Access to community meeting facilities for non-association functions.
    • Special services, such as valet or guest parking.
  • Limitations: Under California Law, an HOA cannot suspend an owner’s right to:
    • Attend board meetings (except for executive sessions).
    • Vote in elections (as of 1 January 2020).
    • Access basic utilities like water, electricity, or gas. 

Alternative Dispute Resolution (ADR):

For many disputes, California Law requires an HOA to engage in ADR before filing a lawsuit.  If a Member requests it, the HOA must participate in a “meet and confer” to resolve the issue.

 Mandatory ADR: Civil Code §5930 requires ADR for most enforcement actions in the superior court.

  • IDR (“meet and confer “): An internal dispute resolution process where the Member and HOA board meet in good faith to resolve the issue.  If the owner requests IDR, the association must participate.
  • Mediation: If IDR fails, the parties can agree to mediation with a neutral third party. 

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Legal action:

For severe or persistent violations, an HOA can seek legal remedies to force compliance.

Injunctive relief: The HOA can file a civil action in court to obtain an injunction, a court order that requires the homeowner to correct a violation.

  • Litigation for compliance: The association can file a lawsuit to enforce its governing documents legally.  If the HOA prevails, the court may order the homeowner to comply and pay the association’s legal fees and costs.
  • Foreclosure: While fines cannot be used for nonjudicial foreclosure, if a homeowner fails to pay assessments, the HOA can place a lien on the property and pursue a judicial foreclosure. 

Self-help remedies:

In some cases, the HOA’s governing documents may grant the board the authority to take direct action to correct a violation on the owner’s property.

For an unapproved modification that violates architectural rules, the board might be able to enter the property and remedy the violation itself.

  • Caution: This option is high-risk and carries significant legal exposure; therefore, it is rarely used and should only be considered after consulting with legal counsel. 

Dan Harkey
Educator & Private Money Real Estate Lending Consultant
[email protected] 949 533 8315
www.danharkey.com

Understanding the Tax Treatment of Cryptocurrency

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By Robert P. Russo, CPA PC

The tax treatment of cryptocurrency, particularly for activities like “staking,” has become a critical topic for investors. The IRS continues to clarify its position on digital assets, with new rules and reporting requirements taking effect in 2025. Here’s an updated look at what you need to know.

What is Staking?

Staking is a way for cryptocurrency holders to earn rewards by participating in the security and operation of a blockchain network. It’s a key function of blockchains that use a “proof-of-stake” consensus mechanism. Instead of using powerful computers to solve complex puzzles (the “proof-of-work” method used by Bitcoin), proof-of-stake networks rely on users who “lock up” or “stake” a certain amount of their cryptocurrency.

By staking your crypto, you are essentially helping to validate and verify new transactions and create new blocks on the blockchain. In return for your participation and for keeping your crypto locked, the network rewards you with additional units of that cryptocurrency. This is similar to earning interest in a traditional savings account, but with the added risks and volatility of the crypto market.

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How Staking Rewards Are Taxed

According to the IRS, cryptocurrency is treated as property, not currency. This means that when you receive staking rewards, they are considered a form of income.

  • When to Report Income: You must include the fair market value of staking rewards in your gross income in the year you gain “dominion and control” over them. This generally means when you can sell, exchange, or otherwise dispose of the rewards.
  • Calculating Fair Market Value: The amount of income you report is based on the fair market value of the cryptocurrency on the date you received it.
  • Filing Requirements: This income is typically reported on Form 1040, Schedule 1.

New for 2025: Broker Reporting and Form 1099-DA

Beginning January 1, 2025, there are significant changes to how cryptocurrency transactions are reported to the IRS.

  • Form 1099-DA: Crypto brokers and exchanges are now required to issue a new form, Form 1099-DA, to report digital asset sales and exchanges to both you and the IRS. For transactions in 2025, this form will report the gross proceeds from your sales.
  • Cost Basis Reporting: While brokers will report gross proceeds for 2025, they are not yet required to report your cost basis (the original value of your crypto plus any fees). This is scheduled to begin in 2026. Therefore, for your 2025 tax return, you will need to rely on your own records to calculate capital gains and losses.
  • Wallet-Level Accounting: The IRS now requires investors to track cost basis on a wallet-by-wallet basis, rather than using a universal accounting method.

Capital Gains and Losses

After you receive staking rewards and report them as income, any subsequent sale or exchange of that cryptocurrency is a separate taxable event.

  • Capital Gains: If you sell your staking rewards for more than their fair market value on the day you received them, you will realize a capital gain.
  • Short-Term vs. Long-Term: The tax rate on your capital gains depends on how long you held the asset before selling.
    • Short-Term: If you held the crypto for one year or less, your gain is taxed at your ordinary income tax rate.
    • Long-Term: If you held the crypto for more than one year, your gain is taxed at the lower long-term capital gains tax rates (0%, 15%, or 20%, depending on your income).
  • Form 8949 and Schedule D: You will need to use Form 8949 and Schedule D to report your capital gains and losses.

*Disclaimer: This blog post is for informational purposes only and is not a substitute for professional tax advice. Book an appointment to discuss your specific situation.

MEET ROBERT P. RUSSO, CPA PC

As the founder and principal of Russo CPA, P.C, Bob pleasantly surprises clients (plus the IRS and lawyers) with his proactive, caring, and interested approach. Bob’s authentic passion for both numbers and people is why his accounting firm is sought after by everyone from solopreneurs to CFOs. And it’s what energizes his fast-growing team of top CPAs who follow his lead by providing impeccable service to clients – without the CPA geek speak.

The only thing geeky about Bob is his favorite reading material: the latest tax regulations, codes, and rulings (so he can secure every possible tax advantage for his clients). You might mistake Bob for the charismatic entrepreneur and CFO behind an internet travel startup or a visionary real estate developer. That’s because he held those roles during his 30-year career as an accountant, which began at a high-profile accounting firm. While CPAs aren’t required to have “field” experience, the best ones do. But Bob doesn’t define success by his own achievements, it’s what he achieves for his clients. Because of his entrepreneurial past, Bob relates so well to his clients. In addition to serious tax savings most firms would miss, he empowers his clients with real-world accounting and financial insights to increase business.

Bob is even results-driven outside of work, whether it’s finishing the 2012 NYC Iron Man or volunteering for 12 years as President of a kids’ soccer league. While his bottom-line results are always impressive, what matters to Bob are the people who benefit from them.

When he’s not immersed in accounting, Bob is with his family, cooking up elaborate 18-course meals or globetrotting.

Robert P Russo CPA PC
Certified Public Accountants
231 W. 29th Street (bet 7th & 8th Ave)
Suite 500
New York, NY 10001
O: 212-279-9800
C: 917-207-9278
F:866-396-2310
www.robertprussocpa.com 

September’s Top 10 Celebrity Real Estate News: Sylvester Stallone, Sabrina Carpenter & Jennifer Lopez

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From TopTenRealEstateDeals.com

Sabrina Carpenter Heads To Manhattan
Sabrina Carpenter has released her new album Man’s Best Friend, and she will be both the host and a performer for the third episode of the new season of Saturday Night Live. And to celebrate, Sabrina recently purchased a $10.5 million duplex apartment in New York City’s Tribeca neighborhood. The 2,910-square-foot apartment has four private terraces with an additional 973 square feet of outdoor space. Building amenities include a theater, wine cellar, a hot tub, a 75-foot lap pool, a theater, and a wine cellar. Clive Davis and Nicole Kidman have also been owners at Tribeca.  

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Tour Sylvester Stallone’s Palm Beach Home
Sylvester Stallone showed off his recently renovated Palm Beach home, memorabilia from his many films, and his art collection in an interview for the September/October edition of Veranda magazine. Stallone was one of Southern California’s busiest home buyers and sellers, including a home in Beverly Hills he sold to Adele for $58 million, a Pacific Palisades home designed by Paul Williams, an equestrian compound in Hidden Hills, and his La Quinta golf home. He was one of the first of the Hollywood celebrities to leave California for Florida in late 2020, when he paid $35.4 million for a waterfront home in Palm Beach. 

Staff Sgt. Addie Zinone, Public domain, via Wikimedia Commons

Jennifer Lopez & Ben Affleck Try Again
The Beverly Hills mansion that Jennifer Lopez and Ben Affleck bought after their marriage to be their forever home has returned to the market for $52 million. Initially listed at $68 million with very little interest from prospective buyers, the now-divorced couple paid almost $61 million for the home in 2023. The 38,000-square-foot home has every feature anyone could imagine, including 24 bathrooms and indoor basketball and pickleball courts. 

Richard Gere’s Connecticut Home Demolished
The New Cannan, Connecticut home that Richard Gere sold to a real estate developer in 2024 for $10.75 million has been demolished. Richard bought the 8,800-square-foot home in 2022 from singer Paul Simon for $10.85 million. The 32-acre property will be subdivided for construction of nine homes. 

White House/Pete Souza, Public domain, via Wikimedia Commons

George Clooney’s Kentucky Home
George Clooney grew up in Augusta, Kentucky, about an hour from where his father, Nick Clooney, worked as a news anchor in Cincinnati. George’s parents continue to reside in Augusta, and rumors suggest that he and his wife, Amal Clooney, also own a nearby home. George has also owned an Italian villa on Lake Como since 2002 that is now worth about $100 million.

Johnny Carson’s Malibu Home Lists $110 Million
The over-the-top Malibu beach home where Johnny Carson lived from 1984 until his death in 2005 is for sale. Carson bought the 7,100-square-foot home with 300 feet of oceanfront for $9.5 million. The asking price is $110 million. 

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MLB Hall of Famer Greg Maddux’s San Diego Home
MLB Hall of Famer and longtime pitcher for the Chicago Cubs and Atlanta Braves, Greg Maddux has listed his San Diego home for $3.675 million. The four-bedroom home in the popular Sunset Cliffs neighborhood is located just one block from the beach, with beautiful ocean views.

Marilyn Monroe Home Saved from Demo
Marilyn Monroe purchased only one house during her 36-year lifetime when she bought a home in LA’s Brentwood neighborhood in early 1962—just a few months before her overdose death from sleeping pills. She paid $75,000 for the partially furnished home; her mortgage payments were only $320 a month. The current owners bought the home in 2023 for $8.35 million and planned to tear it down to expand their own next-door home. A judge has denied the current owners’ plan to demolish the home.

Sam Shaw, Public domain, via Wikimedia Commons

Ricky Martin’s Old Mansion Gets Fast Price Cut
Ricky Martin’s former Beverly Hills mansion recently came on the market for $75 million, and the price was quickly slashed to $49.95 million. Built in 1956, the 9,200-square-foot home on 2.37 acres has undergone a multi-year renovation. It was also once home to Michael Caine and to Doris Day’s family.

Alex Trebek’s Home Demolished & Replaced With Modern Farmhouse
Alex Trebek didn’t move around much. He was married to Jean Trebeck for 30 years, hosted Jeopardy! for 37 years, and lived almost 30 years in the same Studio City home. That Studio City home was sold for $8 million in 2022 and was then demolished and replaced with a 20,000-square-foot modern-style farmhouse. It is going on the market for $42 million.   

For more celebrity home news and celebrity home video tours, visit TopTenRealEstateDeals.com.

Three Events, Three Regions — Realty411 Continues to Expand Throughout California

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Realty411 Expands their Conferences to Connect with As Many Readers and Real Estate Investors as Possible

Realty411, a real estate media company producing magazines, conferences and webinars to provide investors with knowledge, will host events in three regions of the state: Northern, Central, and Southern California.

In an effort to connect with as many readers in person as possible, Realty411 is hosting three complimentary events in three regions of the Golden State. The dates and cities are:

Oct. 25th – Santa Clara, CA
Nov. 15th – Santa Barbara, CA
Dec. 6th – Pasadena, CA

Beginning in Santa Clara, the heart of Silicon Valley, Realty411 will unite local guests, readers and visiting educators and subscribers to learn about the local, statewide and national real estate markets and trends.

Realty411’s “Invest with Confidence” Summit will take place on Saturday, October 25th at the Embassy Suites by Hilton Santa Clara located at 2885 Lakeside Dr, Santa Clara, CA 95054.

Starting at 9 AM, the event will focus on market trends, industry news, insight from real estate investors, real-life real estate stories, motivational speaking, networking sessions, real estate exhibitors, plus many resources.

If you have an interest in real estate and want to learn more about investing, be sure to reserve tickets today. This free event is open to the public and is of special interest to brokers/agents, private lenders and other realty professionals. As a bonus, this venue also offers plenty of complimentary parking.

This important Summit, in the center of the technology industry, is a must for all new and established real estate investors and is attended by guests throughout the Bay Area and San Jose. Be sure to plan to attend Realty411’s Investor’s Conference in the birthplace of numerous tech giants like Apple, Google, and Facebook! Silicon Valley is also well known for venture capital and research universities, don’t miss this exciting event in a great area.

Next, Reaty411 will host their “Invest with Confidence” Summit in Santa Barbara, California on November 15th at the Hilton Santa Barbara Beachfront Resort. Known as the American Riviera, Santa Barbara offers a fantastic weekend escape and past events in Santa Barbara have been attended by investors and companies from throughout the country. Free parking is available around the perimeter of the venue, plus hotel self-parking is complimentary for Realty411 guests.

Hosted by Dan Ringwald, a local multiple business owner and director of the Santa Barbara Real Estate Investors Association, Realty411’s Santa Barbara Summit offers complimentary ocean-front learning and the perfect opportunity to visit one of the most beautiful areas of California.

To celebrate the end of the year and the publishing of their last issue for 2025, Realty411 is hosting a “Holiday Gathering & Investing Summit” and networking mixer on Saturday, December 6th. Be sure to attend this one-day event featuring timely insight, top educators, and exhibiting companies.

Realty411’s “Holiday Gathering & Investing Summit” is being held at the Hyatt Place Pasadena, located in Old Town Pasadena. The venue’s address is 399 E Green St, Pasadena, CA 91101.

Realty411’s Holiday Summit will take over the entire venue with multiple rooms inside and outside available to maximize networking. For those wishing to elevate their experience, Realty411’s Summit will also feature VIP tickets with reserved seating and delicious food plus beverage options. Parking for this one-day event is only $18 for the entire day. Be sure to reserve tickets to this holiday educational event featuring raffles, giveaways, and joyous cheer.

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For more information about Realty411 events, visit Realty411.com
As an alternative, visit Realty411’s Eventbrite page at:
https://www.eventbrite.com/o/realty411com-1322876767
To inquire about speaking or exhibiting at these events, please call 805.693.1497.

Are You Ready to Level Up Your Game in Real Estate and Life? Then Join Us…

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Learn all the strategies that top real estate investors use to keep more money, protect their assets, and improve their lives. We have important information from leading experts in the financial and real estate sectors ready to share their insight with our guests at Realty411’s Invest with Confidence Summit on Saturday, July 19th, 2025.

Joining us for a special day of education and insight starting at 9 AM are savvy real estate educators, such as Michael Ryan, a top Mortgage Broker. Michael is ready to provide timely as well as time-tested advice.

Michael Ryan,

Mortgage Broker

Learn More About Michael:

35 years primary focus financing on real estate secured property

25 years – build, subdivide, notes, bulk, rehab, reposition, etc

Education focused, armchair economist.

He will share a bullet-point presentation on:

  • Myths vs. Facts
  • The Build
  • Clarifying Investment Plans
  • Why Each Person / Plan is Different
  • The Need for Agnostic Advice