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Michael Spivey | Realtor | CA | Bay Area • Central Valley • Sac

@mrunits

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🏘️ I Buy Houses • Real Estate Investor
🏡 Pre Foreclosure • Seller Solutions
👵🏽 Senior Housing Advocate
🔑 EXP Realty • DRE 02059035
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The Lathrop Senior Center organized an incredible event — and we were truly honored to be part of it!

The Lathrop Senior Resource Fair is more than just an event; it’s a powerful reminder of what community truly looks like. Our team came together to serve, support, and connect with seniors from all across the city. Listening to their stories, answering questions, offering guidance, and making sure every person felt seen was the heart of our day.

With 32 vendors gathered in one place and strong support from both the City of Lathrop and the Lathrop Senior Center, this fair has become a meaningful tradition for San Joaquin County.

A heartfelt thank you to the Lathrop Senior Center and the City of Lathrop for bringing this event to life. And a special thank you to every partner, vendor, and volunteer who helped make the day a success — and an even bigger thank you to the seniors who inspire us year after year. ❤️

We look forward to participating again next year!

#SeniorResourceFair #LathropCalifornia #CommunityImpact #SanJoaquinCounty #ServingSeniors #CommunitySupport taken in Lathrop, California by @mrunits

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10 months ago

Welcome to DealHub — the community where property problems meet professional solutions. 🧱

📍Servicing the Bay Area, Central Valley, and surrounding areas

Every property has a story. Some are simple. Others involve probate, foreclosure, urgent timelines, major repairs, or unique needs. That’s where DealHub steps in.

🎯 Who We Serve:

✅ Sellers — Facing financial hardship, an inherited home, or a tough property? DealHub connects you to clear, professional solutions. No pressure. No confusion. Just options.

✅ Agents — Got a difficult listing or client? We protect your relationships while helping you close deals that might otherwise fall apart.

✅ Investors — DealHub links vetted investors with real opportunities, cutting out unqualified wholesalers and building a network based on trust and collaboration.

🧩 What We Do:

• We listen — every situation starts with a conversation.

• We vet — evaluating the property and the challenge.

• We connect — matching sellers, agents, and investors to the right people and strategies.

🎬 What You’ll See in This Series:

DealHub isn’t just another real estate show. From acquisitions to setbacks, strategy to exit, see how problems become opportunities.

🤝 How to Connect:

If you:

• Have a property challenge,
• Are an agent with a difficult listing,
• Or an investor seeking professional opportunities

👉 Reach out to DealHub. Together, we’ll create the right solution.

This is more than a series. It’s a community.

✨ Real problems. Real solutions. Real results.

For More information:

Pamala Spivey
📞 510.500.5428
📧 info@spiveydaniel.com
DRE: 01240977

Michael Spivey
📞 925.203.6996
📧 mrunitsre@gmail.com
DRE: 02059035

#DealHub #RealEstateCommunity #Investors #Agents #Sellers #RealEstateSolutions #PropertyProblems taken in California by @mrunits

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a year ago

I’m thankful for the opportunities Fast Real Estate (#TEAMFAST) has provided. I’m excited to share this video created to spotlight African American agents on the team.

Thank you @kenny_fast! I appreciate a team that supports our diversity and provides a space to reach our full potential! 🚀🔥

Starting my career in Real Estate has been the best decision I’ve made. I’m thankful to work in an industry I can provide value in other peoples lives while creating a future for myself.

Throughout my time in Real Estate I’ve been introduced and experienced new opportunities I would’ve never expected. These opportunities have allowed me to advance in life while opening doors for others to help in their success!

Our show Hello Neighbor 👋🏾 has shown me the importance of community and giving back. Supporting the people around you brings a joy words can’t explain! I’ve learned in life it’s not always about YOU. It’s what YOU can do for other that brings happiness. 💯

As a second generation Realtor I take pride in exceeding what my family has built. Continuing the legacy and passing our knowledge to future generations. This is only the beginning and I look forward to the future! 🏡🚀

THANK YOU @pjnissim for filiming and editing this video! This turned out amazing! I appreciate every oppurtunity I have to work with you 🔥🔥
_____

We're looking to partner with realtors anywhere in the country or internationally that are looking to take their business to the next level an have an entrepreneur mindset 🧠 DM me to set up a time to talk.

@exprealty_

#TEAMFAST #fastrealestate #exprealty #spiveydanielrealestategroup #california #agentspotlight #community #diversity #realestate #bayarearealestate #centralvalleyrealestate taken in California by @mrunits

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5 years ago

How does FHA 203(k) renovation financing actually work when you’re buying a home that also needs repairs?

In this example, @loansbyelisa breaks the numbers down simply:

🏠 Purchase price: $400,000
🔨 Renovation work: $100,000
💰 Combined total: $500,000

She explains that, in this example, the 3.5% down payment is based on the combined $500,000 amount rather than only the $400,000 purchase price.

She also discusses how the property’s after-improved value fits into the overall financing picture.

For buyers considering properties that need renovation, understanding how the purchase price and renovation budget work together can make FHA 203(k) financing much easier to understand.

💬 Want more FHA 203(k) education? Comment “BASICS”.

Michael Spivey
Realtor • Investor | eXp Realty
Phone: 510-500-5428
Email: mrunitsre@gmail.com
DRE 02059035

Pamala Spivey
Realtor • Investor | eXp Realty
Phone: 510-500-5428
Email: info@spiveydaniel.com
DRE 01240977

#FHA203K
#RenovationFinancing
#HomebuyerEducation
#CaliforniaRealEstate taken in California by @mrunits

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2 days ago

Buying a home that needs renovation work changes the way you have to think about the numbers.

In this FHA 203(k) example, @loansbyelisa breaks it down simply:

A $400,000 purchase + $100,000 in renovation work = a $500,000 total purchase price.

In the example, the 3.5% down payment is based on that $500,000 total rather than only the $400,000 purchase price.

Elisa also explains why the after-improved value matters when looking at the complete financing picture.

Understanding how the numbers work together can make the FHA 203(k) process much easier to follow.

💬 Want more FHA 203(k) basics? Comment BASICS.

Michael Spivey
Realtor • Investor | eXp Realty
Phone: 510-500-5428
Email: mrunitsre@gmail.com
DRE 02059035

#FHA203K
#RenovationFinancing
#HomebuyerEducation
#CaliforniaRealEstate taken in California by @mrunits

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5 days ago

Why do so many buyers overlook FHA 203(k) financing? 🤔

One reason is that renovation financing can feel more complicated when the team involved does not have experience with the process.

With a traditional purchase, the focus is largely on the property’s current condition. With FHA 203(k), the transaction also considers what the property is expected to become after the planned improvements are completed.

That difference can cause some buyers to automatically pass on homes that need repairs or renovation.

But that can also create opportunity.

Move-in-ready homes often attract more competition, while properties needing improvements may receive less attention. For buyers who understand the FHA 203(k) process and have the right team in place, those properties may be worth a closer look.

If a property has also been sitting on the market longer with fewer offers, there may be opportunities to discuss price or seller credits depending on the property, seller, and overall circumstances.

The goal is not to assume every property needing repairs is a good opportunity.

The goal is to understand your financing options so you can evaluate more of the available inventory.

Want to learn more about FHA 203(k) financing?

Comment or DM “FHA 203K.”

Michael Spivey
Realtor | eXp Realty
Phone: 510-500-5428
Email: mrunitsre@gmail.com
DRE 02059035

Pamala Spivey
Realtor | eXp Realty
Phone: 510-500-5428
Email: info@spiveydaniel.com
DRE 01240977

#FHA203K
#RenovationFinancing
#HomebuyerEducation
#CaliforniaRealEstate
#CaliforniaHomebuyers taken in California by @mrunits

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4 days ago

FHA 203(k) financing can be used for much more than basic repairs.

In Part 2 of our FHA 203(k) series, we take a deeper look at how renovation financing may apply to more complex projects—including ADUs, mixed-use properties, and situations where a home may not be safely occupied during the renovation.

In this carousel, we break down several important considerations:

🏠 How certain ADU projects may fit within a Standard FHA 203(k)

🏢 What buyers should understand about mixed-use properties

💰 How mortgage-payment reserves may work during qualifying renovations

📊 Why the purchase price is only one part of the total project budget

🔨 How contractor draws, inspections, documentation, and project timelines factor into the process

One of the biggest takeaways: understand the full project before making the offer.

A property may fit your purchase budget, but the purchase price, renovation costs, eligible expenses, resulting mortgage payment, and overall qualification all have to work together.

If you’re considering a property that needs renovation and want to learn more about FHA 203(k), comment or DM FHA 203(k).

Michael Spivey
Realtor • Investor | eXp Realty
Phone: 510-500-5428
Email: mrunitsre@gmail.com
DRE 02059035

Pamala Spivey
Realtor • Investor | eXp Realty
Phone: 510-500-5428
Email: info@spiveydaniel.com
DRE 01240977

#FHA203k
#RenovationFinancing
#CaliforniaRealEstate
#CaliforniaHomebuyers
#DownPaymentAssistance taken in California by @mrunits

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5 days ago

Move-in-ready homes often attract the most attention and more buyer competition.

So what happens to the properties that need repairs or renovation?

In this FHA 203(k) conversation, Mike Belfor explains why some buyers overlook renovation financing. One major factor is the team and process involved. Instead of evaluating only what the property is today, an FHA 203(k) transaction also requires the team to understand what the property is expected to become after the planned improvements.

That additional complexity can feel daunting, but it can also lead buyers to consider properties other buyers may be passing over.

And when a property has been sitting longer with fewer offers, there may be opportunities to discuss price or seller credits depending on the seller and the circumstances.

Want to learn more about how FHA 203(k) financing works?

Comment or DM “FHA 203K.”

Pamala Spivey
Realtor • Investor | eXp Realty
Phone: 510-500-5428
Email: info@spiveydaniel.com
DRE 01240977

#FHA203K
#RenovationFinancing
#CaliforniaRealEstate
#CaliforniaHomebuyers taken in California by @mrunits

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6 days ago

Sometimes you just have to be in the room. 🔑🏠

A few moments from the @blackops_invest Field Session in Hayward.

Real property. Real conversations. Investors asking questions, exchanging ideas, walking the project, and learning from people actively doing the work.

There is something different about getting out from behind the screen and seeing a project firsthand.

Appreciate @blackops_invest for putting the day together, and Eric Devine (@thedevinewaytv ) for opening the doors to his project and allowing all of us to come through, learn, connect, and experience it firsthand.

Nothing beats being in the room.

#RealEstateInvesting #BlackOps #RealEstate #BayAreaRealEstate #california taken in Hayward, California by @mrunits

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14 days ago

What types of properties can you purchase with FHA 203(k) financing? 🤔

FHA 203(k) isn’t limited to one type of home. It may allow eligible buyers to purchase a property that needs repairs or improvements and finance eligible renovation costs as part of the transaction.

In this carousel, we break down several property types and scenarios worth understanding:

🏡 Single-family homes

🏢 Condos

🏘️ 2–4 unit multifamily properties

🏬 Certain mixed-use properties

🏠 ADU-related opportunities

One important distinction: three- and four-unit properties must also meet FHA’s self-sufficiency requirements.

And when it comes to mixed-use properties or ADUs, eligibility can depend on the individual property, proposed scope of work, and FHA guidelines.

The bigger takeaway? Your options may be broader than you initially thought.

👉 Swipe through the carousel to see how each property type fits into the FHA 203(k) conversation.

💬 Comment “BASICS” if you want more FHA 203(k) education or have a question you’d like us to cover next.

Michael Spivey
Realtor/Investor | eXp Realty
Phone: 510-500-5428
Email: mrunitsre@gmail.com
DRE 02059035

Pamala Spivey
Realtor/Investor | eXp Realty
Phone: 510-500-5428
Email: pamalaspivey@gmail.com
DRE 01240977

#FHA203K
#HomebuyerEducation
#RenovationFinancing
#RealEstateEducation
#California

Which property type would you want to learn more about? taken in California by @mrunits

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19 days ago

What types of properties can you purchase with an FHA 203(k) renovation loan? 🤔

In this clip from our FHA 203K Series, lender @loansbyelisa explains that FHA 203(k) financing can generally be used with the same property types FHA would traditionally finance, including:

• Single-family homes
• Condos
• Two-unit properties
• Three-unit properties
• Four-unit properties

➡️ One important distinction: three- and four-unit properties must pass the FHA self-sufficiency test.

Understanding the eligible property types is an important first step when determining whether FHA 203(k) could fit your homebuying and renovation plans.

⭐️ Comment “BASICS” below if you have questions about FHA 203(k) or want us to continue breaking down the fundamentals of the program.

Michael Spivey
Realtor/Investor | eXp Realty
Phone: 510-500-5428
Email: mrunitsre@gmail.com
DRE 02059035

#FHA203K
#FHALoan
#HomebuyerEducation
#multifamilyinvesting
#californiarealestate taken in California by @mrunits

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a month ago

Have you ever found a home with potential but immediately ruled it out because it needed repairs? 🤔

🏡 The FHA 203(k) renovation loan may give eligible homebuyers another way to approach properties that need work.

In this first conversation of our FHA 203(k) Series, we break down the basics of how this renovation financing program works and how buyers may be able to purchase a property and finance eligible improvements through the same loan.

We cover:

➡️ What is an FHA 203(k) loan?
 ➡️ How can I purchase a fixer-upper?
 ➡️ How can I purchase a property that needs repairs and complete the repairs after close of escrow?
 ➡️ What types of properties can qualify, including single-family homes and multifamily properties up to four units?
 ➡️ How does the renovation financing work?
 ➡️ What is the difference between Limited and Standard FHA 203(k)?
 ➡️ When does a HUD consultant become involved?
 ➡️ What types of renovations may qualify?
 ➡️ How does the contractor and renovation process work?
 ➡️ What are some of the biggest mistakes buyers and real estate professionals should avoid?

One of the biggest lessons is that the condition of a property today does not necessarily represent what that property could become.

For the right buyer, property, renovation plan, and financing structure, FHA 203(k) can create another way to evaluate homes that may otherwise have been overlooked.

This FHA 203(k) Series is part of our broader Down Payment Assistance Lender Series, where we bring lenders and industry professionals into the conversation to help homebuyers better understand their options.

Want to watch the full conversation? 👀

⭐️ Comment “BASICS” below and we’ll send you the link.

Michael Spivey Realtor/Investor | eXp Realty Phone: 510-500-5428 Email: mrunitsre@gmail.com DRE 02059035

#FHA203K #RenovationLoan #HomebuyerEducation #FixerUpper
#california taken in California by @mrunits

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a month ago