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So far Brian Carpenter has created 69 blog entries.
6 06, 2025

Protect yourself with title insurance

By |2025-06-06T11:15:14-05:00June 6th, 2025|Home Buyers|0 Comments

Warning signs of title fraud may have occurred if you have unexpected notices cease to receive bills. Title insurance protects you from fraudulent claims on your property. When buying a home, a full title search can be requested, but purchasing title insurance is a great additional step to make sure that the title is protected while you possess the property. Title fraud occurs when an individual transfers the title or deed of your property without your consent. The goal of the criminal is to misappropriate your funds by creating the illusion that another person [...]

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18 09, 2023

Oxford is the second fastest growing college town according to study

By |2023-09-19T09:50:58-05:00September 18th, 2023|Home Buyers|0 Comments

Oxford, MS has been ranked as the second fastest growing college town according to a recent nationwide study by New BrokeScholar. For those of us that live in Oxford, this comes as no surprise. Oxford’s  population grew 102% between 2000 and 2023, and is expected to grow another 24% by 2030. Oxford, Mississippi boasts a thriving real estate market. The city offers a diverse range of properties, including charming historic homes, modern townhouses, and spacious rural estates. With its picturesque landscapes and vibrant community, Oxford is an incredible place to invest in your business, your family, [...]

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22 07, 2022

Getting ready to sell your home? Find real estate comps.

By |2022-07-22T11:38:46-05:00July 22nd, 2022|Home Buyers, Property Value, Selling Your Home|0 Comments

Are you ready to sell your home? A CMA is the key to not overpricing your home. When you are ready to sell your home, you will need to know the true value of your property. This can be achieved by a comparative market analysis. A CMA will look at the age of the home, property location, design and build, condition, and size among other factors. CMA's can be helpful in buying and selling as well as investing and making housing market predictions. Comps are determined by a licensed appraiser or a real estate [...]

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18 04, 2022

Short supply of houses for sale in Oxford

By |2022-04-18T14:45:38-05:00April 18th, 2022|News|0 Comments

There is a shortage of houses for sale in Oxford. Houses for sale in Oxford are few in number and increasingly exceeding the budget of buyers. Housing affordability is becoming a challenge for some homebuyers, especially for real estate in Oxford, MS. The real estate market in Oxford, MS is experiencing a multi-generational apex . Millennial homebuyers are beginning to have growing families and are increasingly purchasing homes. Simultaneously, many baby boomers want to retire in Mississippi to benefit from the tax incentives. The homebuying recovery is also strong. Buyers are eager to purchase [...]

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24 02, 2022

Housing market in Oxford: 2022 outlook

By |2022-02-24T13:54:52-06:00February 24th, 2022|News|0 Comments

We are expecting to see several events occur to change the housing market in Oxford. Here is our outlook for 2022. What is driving the housing market in Oxford? Hint: it's more than just the latest mortgage rates. Let's look back First, we need to begin in 2020. In March 2020, interest rate reduction allowed people to lower their respective payments through refi programs while also allowing people to borrow more money. The shutdown created less homes on the market due to supply chain bottlenecks, rising costs, and labor shortages. The small number of [...]

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23 02, 2022

Oxford, MS building market in early 2022

By |2022-02-23T10:21:08-06:00February 23rd, 2022|Building, Home Buyers|0 Comments

The construction market in Oxford has been grappling with ongoing material bottlenecks and rising prices of construction. Appliances, cabinetry, and finishes have also lengthen the completion date of new builds and remodels. These delays are driving home prices higher and pricing some prospective buyers out of the Oxford real estate market. Producer Price Index The Producer Price Index (PPI) report compiled by the U.S. Bureau of Labor Statistics Rising costs of construction materials are impacting availability and completion times. can be found here. The PPI report was led higher by a 25.4% increase in [...]

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13 04, 2021

Real Estate in Oxford MS: Should I rent or buy

By |2021-04-14T09:03:15-05:00April 13th, 2021|Home Buyers|0 Comments

Trends for real estate in Oxford MS Building permits are not keep pace with the ever-expanding homebuyer demand for real estate in Oxford MS. Real estate in Oxford MS has seen a boom in housing developments. Meanwhile, the national market was recovering from the housing crash. This trend is largely correlated to the rising Ole Miss enrollment as well as the second home ownership. More housing inventory is needed.  For these reasons, the boom in apartment construction over the past few years has not caused rent increases to level off. Likewise, many young homebuyers [...]

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20 03, 2021

How Real Estate Gains or Losses are Computed

By |2021-03-21T11:35:56-05:00March 20th, 2021|Investment|0 Comments

Real estate gains or losses affect investors. The IRS is more favorable to taxpayers who live in the property and use it as their primary residence. For a single taxpayer or married filing separately, $250,000 in profit is tax-free. For married couples filing jointly, $500,000 gain is tax-free. Likewise, sellers pay capital gains on any profit that exceeds these amounts. There are two qualifiers. First, you must actually live in the house during two of the last five years before its sale. Secondly, you must have owned the home for two out of those five years. [...]

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19 03, 2021

Finding a condo for sale in Oxford, MS for rental income

By |2021-04-13T14:20:42-05:00March 19th, 2021|Investment|0 Comments

If an investor purchases a condo for sale in Oxford, MS that is furnished, it can be used for gameday and other weekend event rental! All about investment condos Are you looking at investment condos for sale in Oxford, MS to create passive rental income? Your decision will ultimately hinge on the potential profit and net yield that the investment can make. Airbnb is widely growing in popularity with a 102% increase since 2017. The largest growing demographic are over 60 years of age as well as women. Reporting an average of $20,619 [...]

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1 04, 2020

COVID-19 and real estate

By |2020-04-03T17:00:00-05:00April 1st, 2020|News|0 Comments

COVID-19 and its impacts on real estate REALTORS® response to Covid-19 is enforcing sanitary and cleanliness at all time in real estate. Much like other sectors of life, COVID-19 is also having its impact on real estate. In response, Mississippi REALTORS® have been working diligently to respond to some of the challenges in this industry. Among these changes are the following in forms. COVID-19 Addendum to the F1 Contract for the Sale and Purchase of Real Estate (F1) This addendum provides some relaxing of the “Time is of the essence” provision of the Contract. [...]

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10 02, 2020

Millennials greatly value homeownership

By |2020-02-19T10:52:44-06:00February 10th, 2020|News|0 Comments

Most millennials value the purchase of a home over most other life decisions including marriage. Millennial home buyers are taking a long, careful approach to buying Millennial home buyers are a very calculating demographic. According to a Bank of America study conducted in 2018, most millennials value homeownership (72%) over over life events such as marriage (50%) or having children (44%). Therefore, they find themselves making very careful, well-planned home buying decisions. Needless to say, a home buyer should always take a methodical approach to purchasing regardless of age or financial position. Need advice for [...]

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20 09, 2019

Costs of buying a home

By |2020-02-19T10:53:09-06:00September 20th, 2019|Home Buyers|0 Comments

Buying a home is a big step for many people, and it also takes a substantial amount of money. Some people will assume that they could never afford to purchase a home. Likewise, others will assume that their credit score is inadequate for banks to lend money. Buying a home requires due diligence From your down payment to figuring out how much you can afford to pay monthly, it takes a lot of due diligence and patience to be sure you can afford a home. The problem is many people tend to forget about some of [...]

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29 01, 2019

Business Income Deduction for Self-Employed

By |2020-02-19T10:53:20-06:00January 29th, 2019|Investment, News|0 Comments

The regulations will benefit individuals, partnerships, S corporations, trusts and estates engaged in domestic trades or businesses. A business income deduction is available for eligible taxpayers with pass-through real estate businesses. The 2017 tax reform bill brought about Section 199A, the 20 percent business income deduction. The IRS created deduction by way of the Tax Cuts and Jobs Act of 2017. Almost any self-employed person or owner of a pass-through business (such as an S corporation, limited liability company, or partnership) with eligible income can take 20 percent off the top after business expenses are [...]

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29 11, 2018

Market Comparison Report for North Central Mississippi

By |2020-02-19T10:53:25-06:00November 29th, 2018|News|0 Comments

Home property values are on the rise while condo property values have slightly fallen. The following market comparison report is a property statistics analysis for Lafayette County. It covers the periods of January through August for 2017 and 2018. The residential market data covers all forms of residential real estate such as single-family homes, multi-family, and townhouses. Due to the number of condo/townhouse sales, statistics are likely skewed to this property type. Likewise, the residential market sales are requiring a trained professional to assess their true value. Beginning your property search? Are you thinking about buying [...]

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8 11, 2018

Prequalifying Worksheet for Prospective Buyers

By |2020-02-19T10:53:31-06:00November 8th, 2018|Lending|0 Comments

Prospective buyers knowing what they can borrow save time in their property searches. To become an educate buyer, customers and clients need to have a budget. To this end, the pre-qualifying worksheet is intended to be a guide to helping prospective buyers understand their affordable home price range. It can also provide your maximum borrowing limit. Getting pre-approved for a mortgage enables you to move quickly when you find the perfect place. As a result, the offer will not be contingent on obtaining financing and the seller will know that you are a ready, [...]

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5 11, 2018

Home Inspection Red Flags

By |2020-02-19T10:53:40-06:00November 5th, 2018|Selling Your Home|0 Comments

The home inspection is the most important pre-purchase task that a buyer can perform. A home inspection helps buyers by identifying repairable items that sellers may have been otherwise aware. A buyer can expect to receive a 40- to 60-page report with high-resolution color photos, detailed diagrams, and links to additional information. The reality is that buyers have access to more information about the home they are purchasing than ever before. The primary focus of the home inspector is to provide buyers and sellers with a better understanding of the physical condition. Items such as the [...]

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5 11, 2018

Real Estate professionals earning passive activity loss

By |2023-09-08T11:09:35-05:00November 5th, 2018|Lending|0 Comments

Qualifying for passive activity loss as a real estate professional Real estate investors who qualify are permitted to deduct their rental real estate losses against other income sources (e.g., commissions, wages, and so forth). A real estate professional (salespersons and brokers) can make rental losses fully deductible if the person meets the following criteria: He/she works at least 750 hours in the year as a real estate agent, property manager, or other listed real estate occupation. Real estate professionals must be prepared to prove to the IRS that they are really real estate professionals. For part-time real [...]

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9 07, 2018

Building equity oxford ms real estate

By |2020-02-19T10:53:51-06:00July 9th, 2018|Property Value|0 Comments

Many homeowners in the Oxford real estate market look to their home as a means to increase their overall net worth. Here, we will discuss several techniques that homeowners can use. Building equity in Oxford real estate market with capital The initial equity in the home will come in the form of the down payment. Increasing the equity in the home will require additional monthly payments to the principle as well as property appreciation. From 2016-2017, property values showed an average appreciation of 1.6% or more. In this way, a home behaves much like a publicly traded [...]

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5 07, 2018

Professionals do it better

By |2020-02-19T10:53:56-06:00July 5th, 2018|News|0 Comments

Would you perform your own surgeries or dental work? If your answer to the question is "no", then I have a follow-up question. Do you trust professionals with expertise in a specific topic? If your answer is "yes", then next time you are assessing real estate, I highly recommend hiring a REALTOR. Professional of all types cost money Professionals do not work for free. Have you ever visited your doctor and expected the trip to be pro bono? Of course not. REALTORS are no different. The principle advantage is exposure. Hiring a REALTOR allows your property [...]

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25 06, 2018

1031 Tax Deferred exchange for business real estate owners

By |2020-02-20T10:24:46-06:00June 25th, 2018|Investment, News|0 Comments

Meet with your CPA to see if you could qualify and save tons of money with the Section 1031. Tax benefits for businesses owning real estate The 1031 Tax Deferred exchange has been beneficial for individuals in agriculture and small businesses since the 1920's. Over the years, it has provided tax benefits for businesses owning real estate by deferring capital gains taxes. As a result, the business owners have been reinvesting the sale proceeds on assets held for business and investment purposes. The basis of the 1031 Tax Deferred exchange is related to [...]

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