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Hans Stone - BluPrint Home Loans

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Long Beach, CA
Hans Stone - BluPrint Home Loans

Hans Stone - Division Director of Sales, EVP - NMLS # 237063 | Equal Housing Lender Be Unforgettable and Undeniably Valuable.

I love a good challenge and believe that giving creates more. A well-balanced mind and spirit have limitless potential. The best part of every day is sunrise and the clean canvas of opportunity. I’ve found passion in real estate for the opportunity to help others in creating sustainable careers and family wealth. Our only limitations are those that we allow others to give us.

08/31/2026

A $3 Billion Opportunity Just Opened for Individual Investors.

A major shift is happening in the single-family rental market, and individual investors are in a stronger position than ever.

Since the ROAD Act placed limits on large institutional investors, institutional SFR listings have climbed from roughly 4,000 to nearly 9,500 homes—representing more than $3 billion in inventory coming to market.

Some see institutions exiting.
We see opportunity changing hands.

Here's why:
✅ Institutions have always owned less than 2% of single-family rentals.
✅ Individual investors already make up about two-thirds of investor purchases.
✅ Most rental homes have always been owned by everyday investors—not Wall Street.

The market isn't shifting away from individual investors. It's shifting toward them.
If you've been waiting for the right time to grow your portfolio, this may be one of the best opportunities we've seen in years.

Rent To Retirement finds the properties. BluPrint Home Loans structures the financing. You build the portfolio.

🔗 Learn more at https://bluprinthomeloans.com/renttoretirement/

08/27/2026

You’ve built equity in your home. Now it may be able to help you reach your next financial goal. 🏡

Whether you’re looking to consolidate debt, invest, or cover a major expense, your home equity could give you another option to consider.

Want to know what your equity could do for you? Let’s take a look.

📲 Message me to learn more, or visit https://equitytapper.com/invite/nfm-lending/hans-stone/signup

BluPrint Home Loans

08/24/2026

Most investors are overlooking one of the biggest opportunities in today's new construction market.

Right now, many major builders are offering 10%+ in buyer incentives. In a typical market, those incentives are closer to 3–3.5%.

On a $500K property, that's $50,000+ in available credits.
Most buyers use those funds for closing costs.
Smart investors use them to permanently buy down their interest rate.

When structured correctly, those same builder credits can:
✅ Lower your rate from around 7% to 5%
✅ Reduce your payment by $400–$600/month
✅ Faster equity growth
✅ Turn a marginal deal into a strong cash-flowing investment

The incentive is the same. The strategy is what changes the outcome.

Through our partnership with Rent To Retirement, BluPrint Home Loans helps investors maximize builder concessions by pairing vetted new construction properties with financing designed to improve long-term returns.

🔗 Check out current inventory and let's run the numbers on your next investment --> https://bluprinthomeloans.com/renttoretirement/

08/21/2026

Most investors buying rental properties today are financing at 6.5%–7%.
What they don't realize? That higher rate isn't just costing them in monthly payment. It's slowing down how quickly they build wealth.

At 6.5%, about 86% of your first mortgage payment goes to interest. At 5%, significantly more goes toward principal, helping you build equity faster from day one.

Through our partnership with Rent To Retirement, BluPrint structures builder concessions into permanent rate buydowns, helping investors secure new construction rentals at rates around 5%.

That difference means:
✅ $300-$500 more monthly cash flow
✅ More principal paid down from day one
✅ Faster equity growth
✅ A brand-new, warranty-backed investment

The property matters. But how you finance it can have just as much impact on your long-term returns.

📞 Want to see the numbers on a specific property? DM us or call 888-343-1043.

08/20/2026

Your next investment opportunity could already be sitting in your portfolio. 🏡📈

If you’ve built equity in an investment property, you may be able to access those funds to help purchase your next property and keep growing your portfolio.

Instead of waiting years to save, let’s take a look at the equity you already have and see what’s possible.

📲 Ready to explore your options? Let’s connect! https://equitytapper.com/invite/nfm-lending/hans-stone/signup

BluPrint Home Loans

08/14/2026

Your home equity could help fund what’s next, without changing the rate or terms on your current mortgage. 🏡

If you’ve built equity in your home, you may have options to access those funds for things like:
🔨 Home renovations or upgrades
💳 Paying down high-interest debt
🎓 Education expenses
💰 Unexpected costs
📈 A large purchase or investment

For homeowners who want to put their equity to work but don’t love the idea of giving up their existing mortgage, this could be an option worth exploring.

Every homeowner’s situation is different, so let’s look at the numbers together and see what makes sense for you.

📲 Reach out to learn more about your options: https://equitytapper.com/invite/nfm-lending/hans-stone/signup

BluPrint Home Loans

08/10/2026

Most people invest in real estate for the cash flow. The smart ones stay for the tax treatment.

Here's what the IRS allows real estate investors to do that almost no other asset class offers:
Depreciation: The IRS lets you depreciate a residential rental property over 27.5 years. On a $300K property, that's roughly $10,900/year in a paper loss you can use to offset rental income, even if the property is cash flowing positively.

Cost Segregation: A cost segregation study accelerates that depreciation by reclassifying certain components of the property: appliances, fixtures, landscaping, and flooring, into 5, 7, or 15-year schedules. The result: significantly larger deductions in the early years when they're worth the most. New construction is particularly well-suited for this because everything is brand new and easily categorized.

1031 Exchange: When you're ready to sell, a 1031 exchange lets you roll your gains into a new property and defer capital gains taxes indefinitely. Investors who execute this strategy consistently can build multi-million dollar portfolios while deferring taxes across decades.

Interest Deductibility: Mortgage interest on investment properties is generally deductible against rental income.

None of this is a loophole. It's exactly what the tax code was designed to incentivize investment in housing.

New construction amplifies every one of these advantages. And BluPrint can connect you with the right CPA and loan structure to make sure you're capturing all of it.

📩 https://bluprinthomeloans.com/renttoretirement/

08/06/2026

Build-to-rent isn't a trend. At this point, it's a strategy shift — and the data backs it up.

Here's the setup that's drawing serious investors in:

The legislative piece: Congress just passed the ROAD Act, placing hard limits on how many single-family homes large institutional investors — Invitation Homes, AMH, Progress Residential — can acquire. These operators have already delayed or canceled approximately 6,000 planned SFR homes as a result. That's institutional capital stepping back from the exact assets individual investors are now stepping into.

The product piece: New construction rentals are fundamentally different from existing home rentals. No deferred maintenance. No aging systems. Full builder warranty. Property management in place from day one. Your first call from a tenant is not about a broken water heater.

The financing piece: Builder concessions — sometimes running into the tens of thousands of dollars — can be structured as permanent rate buydowns, meaning your effective rate and monthly payment are significantly lower than what you'd find on a resale property at the same price point.

The return piece: 17–19% projected ROI on vetted new construction inventory, with $300–$650/month in cash flow depending on the market and structure.

The institutions didn't leave because the opportunity dried up. They left because the law made them. The opportunity is still there — it just shifted to individual investors.

That's where Rent To Retirement and BluPrint Home Loans come in.

🔗 Learn more here: https://bluprinthomeloans.com/renttoretirement/

08/03/2026

If you've ever been told you "make too much" or "not the right kind of income" to qualify for an investment property loan, DSCR financing was built for you.

DSCR stands for Debt Service Coverage Ratio. In plain terms: the loan qualifies based on what the property earns, not what you earn.

Here's how it works:
If a property generates $2,000/month in rent and the mortgage payment is $1,600/month the DSCR is 1.25. Most lenders want to see 1.0 or above. That's it. No W-2 required. No two years of tax returns showing write-offs that shrink your qualifying income. No explanation letters for your LLC structure.

Why this matters for scaling:
Most investors hit a wall at 2–4 properties because conventional financing starts counting every debt against them. DSCR breaks that ceiling. Each property qualifies on its own merits, which means your portfolio can grow as fast as you can find good deals.

And right now, new construction is producing some of the cleanest DSCR ratios in the market. Brand-new assets with predictable rents, no deferred maintenance eating into your cash flow, and builder concessions that lower your payment from day one.

RTR finds the deals. BluPrint structures the DSCR financing. That's the combination.

📞 Questions about whether DSCR is the right fit for your next acquisition? DM us or call 888-343-1043.

07/27/2026

Every week, investors tell us they're waiting for rates to drop before they buy.

We understand the instinct. But here's the problem: rate is not the number that determines whether a deal works.
Cash-on-cash return is.

Let's say rates drop 1%. On a $300K property, that saves you roughly $180/month. Meaningful but not transformational.

Now let's say instead of waiting 12-18 months for that rate drop, you bought today with a builder concession that buys your rate down permanently and generates $400/month in cash flow.

You just collected $4,800–$7,200 in cash flow during the time you were waiting. And you locked in today's price before inventory tightens again.

The math doesn't favor waiting. It never really has.

The investors who build real portfolios ask a different question. Not "what's the rate?" but "what does this asset return on my capital?"

That's the shift. And once you make it, the entire market looks different.

RTR sources the assets. BluPrint structures the financing to hit your return targets, not just give you a rate quote.

📊 Want to see what the actual numbers look like on a current deal? DM us or hit the link in bio.

Address

5280 E 2nd Street
Long Beach, CA
90808

Opening Hours

Monday	7am - 7pm
Tuesday	7am - 7pm
Wednesday	7am - 7pm
Thursday	7am - 7pm
Friday	7am - 7pm
Saturday	9am - 5:30pm
Sunday	10am - 4pm

Website

https://bluprinthomeloans.com/hans/

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