Unlocking Off-Market Properties with AI: A 7-Day Roadmap Powered by Grok3

Agent Animals Real Estate Boot Camp!

On the next episode of Agent Animals, Frank Garay, Real Estate Tech Junky and National Show Host, explores how to tap into off-market properties using a 7-day roadmap powered by X-AI’s Grok3. Learn how to leverage local networking, online tools, FSBOs, and direct outreach to identify hidden opportunities and connect with motivated sellers.

Tues, Mar 11 at 9:00 AM PST!
Register here:
https://agentanimals.com/garrickwerdmuller/
(If you are reading this after the event and want the replay, email me: garrick@freshhomeloan.com)

The real estate game is evolving, and the best agents aren’t just waiting for listings to hit the MLS—they’re out there finding hidden opportunities before anyone else. In the latest episode of Agent Animals, Frank dives into how to tap into off-market properties using a powerful 7-day roadmap, fueled by X-AI’s Grok3.

But first—what is Grok3, and why should real estate agents care?

Meet Grok3: The AI Chatbot That Thinks Differently

Grok is an AI chatbot developed by xAI, a company founded by Elon Musk. Unlike traditional AI assistants, Grok is designed to be witty, a little rebellious, and—most importantly—plugged into real-time data from X (formerly Twitter).

Key Features of Grok3:

✅ Edgy & Sarcastic Intelligence – Unlike your typical AI assistant, Grok isn’t afraid to keep it real. Think of it as the AI that tells it like it is.
✅ Real-time Market Insights – Since Grok has access to live data from X, it can pull up trends, conversations, and even potential leads in real-time.
✅ Open-source Flexibility – Developers can tweak and customize Grok to fit their needs, making it an exciting tool for creative applications.
✅ Available on X (Premium+ Users Only) – Want to try it? You’ll need a Premium+ subscription on X to access Grok’s features.

Now, let’s talk about how agents can leverage AI like Grok3 to dominate off-market deals in just one week.

The 7-Day Roadmap to Finding Off-Market Properties

Day 1: Build Your AI-Powered Intel Hub

Use Grok3 to scan real-time posts on X for FSBO (For Sale By Owner) mentions.
Set up keyword alerts like “motivated seller,” “distressed property,” or “cash buyer.”
Identify influencers and local investors sharing off-market leads.

Day 2: Leverage Your Local Network

Reach out to title reps, wholesalers, and property managers for potential leads.
Use social media groups and investor forums to see what’s happening in your market.

Day 3: Contact FSBOs & Expired Listings

Grok3 can help craft personalized outreach scripts based on recent market trends.
Pull lists of FSBO properties and contact sellers via calls, texts, and DMs.

Day 4: Direct Outreach with AI-Powered Scripts

Use AI-driven messaging to increase response rates when reaching out to homeowners.
Grok3 can help optimize tone and content to get better engagement.

Day 5: Deep Dive into Public Records & Data

Cross-check county records for properties with tax liens, foreclosures, or probate status.
Combine AI insights with your own research to refine your target list.

Day 6: Run a Digital Ad Blitz

Use X ads and social media to target distressed sellers and FSBOs.
AI tools like Grok3 can help create ad copy that resonates with motivated sellers.

Day 7: Follow Up & Close the Deal

AI isn’t just for lead gen—use it to schedule follow-ups, automate responses, and track engagement.
By the end of the week, you should have multiple warm leads ready to convert!

Want the Full PDF Guide with Scripts & Timelines?

If you’re serious about finding off-market deals before the competition, we’ve got a full PDF guide that breaks down this 7-day roadmap, complete with scripts and step-by-step timelines.

If you want the pdf you can fill this out and we will email it to you! https://freshhomeloan.com/schedule-a-meeting/ (no meeting required)

AI is revolutionizing real estate, and the best agents are the ones using it to work smarter, not harder. Don’t wait for deals to come to you—go out and find them with the power of Grok3 and AI-driven strategy.

🏡 #RealEstateInvesting 🤖 #AIRealEstate 📈 #RealEstateMarketing 🔥 #AgentAnimals
🏡 #OffMarketDeals 🤖 #PropTech 📈 #LeadGeneration 🔥 #WorkSmarterNotHarder
🏡 #FSBO 🤖 #RealEstateAI 📈 #NetworkingMatters 🔥 #RealEstateHacks
🏡 #MotivatedSellers 🤖 #TechInRealEstate 📈 #AgentTools 🔥 #GameChanger
🏡 #HouseHacking 🤖 #GrokAI 📈 #DigitalRealEstate
🏡 #RealEstateLeads 🤖 #ArtificialIntelligence

The post Unlocking Off-Market Properties with AI: A 7-Day Roadmap Powered by Grok3 appeared first on Fresh Home Loan.

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Garrick Werdmuller

510-282-5456

garrick@freshhomeloan.com

A man is standing in front of a before and after picture of a house.

From Garage to ADU: How a 203(k) Loan Helped One Family Maximize Their Space

By Garrick Werdmuller • June 18, 2025

🛠️ From Garage to ADU: How a 203(k) Loan Helped One Family Maximize Their Space 🛠️ Buy It and Fix It With One Loan: The FHA 203(k) Limited A few years ago, I helped a couple purchase their home with just 5% down. It was a great fit for them at the time — solid neighborhood, the space they needed, and a bonus: a detached garage with potential. Fast forward to today — their teenage son was getting older and needed his own space. Naturally, they started exploring how to turn that detached garage into an Accessory Dwelling Unit (ADU) so he could move in and have a bit more independence. They gave me a call, hoping to tap into their home’s equity with a line of credit. But after running the numbers, it became clear that a traditional HELOC wouldn’t provide enough funds to cover the full conversion. That’s when I brought up a lesser-known option: the FHA 203(k) Limited loan . The FHA 203(k) Limited program snapshot outlines a renovation loan product allowing borrowers to finance both the purchase and rehabilitation of a property with a single mortgage , specifically for non-structural repairs or improvements. Here's a summarized overview for reference or communication: 🏡 What Is It? The FHA 203(k) Limited is designed for: Homebuyers purchasing a fixer-upper Homeowners refinancing and remodeling Primary residences only You can finance both the home and non-structural renovations—like kitchens, bathrooms, floors, HVAC systems, roofs, appliances, and more—with a single mortgage . 💡 Why Use a 203(k) Limited? ✅ Finance up to $75,000 in repairs and upgrades ✅ Only 3.5% down payment ✅ One loan, one closing ✅ No 203(k) Consultant required ✅ Ideal for non-structural repairs and cosmetic improvements ✅ Perfect for first-time buyers and FHA borrowers 🛑 What You Can’t Do With It This is for light remodeling only. You can’t use this loan for: Structural changes or additions Foundation work Landscaping (except for erosion prevention) Pools, hot tubs, or other luxury features (Bummer ! I know! 😒) 🧾 Borrower Submission Checklist Here’s what we’ll need to get started on your FHA 203(k) Limited loan: ✅ Basic Docs Loan Application (apply online or schedule an appointment) Government-issued ID Most recent 30 days of paystubs Last 2 years of W-2s or tax returns (for self-employed borrowers) Most recent 2 months of bank statements ✅ Property & Repair Info Signed Purchase Contract (if purchasing) Contractor’s Written Proposal with: Itemized list of repairs Cost breakdown (labor + materials) Statement that work is non-structural W-9 form from contractor Contractor license & insurance (if required by local jurisdiction) ✅ Appraisal & Renovation Docs Appraisal supporting As-Is and After-Improved Value Permit list (if applicable) Final Work Plan (signed off before close) 💬 Final Thoughts The FHA 203(k) Limited can turn a fixer into your dream home—or give your current space the refresh it deserves. With just one loan , you get flexibility , affordability , and peace of mind . Have a property in mind? Let's talk! 👉 Schedule a Free Consultation https://freshhomeloan.com/schedule-a-meeting/ 🏡 #FHA203k #203KLoan #RenovationLoan #FixerUpper #HomeRemodel #MortgageSolutions #FirstTimeHomeBuyer #HomeLoanHelp #RealEstateTips #MortgageBrokerLife #CaliforniaHomes #BayAreaRealEstate #CentralValleyHomes #DreamHomeGoals

A man is holding a card in front of a house.

Guía definitiva de préstamos ITIN – Tu paso hacia la compra de casa

By Smith Chung • June 18, 2025

¿Qué es un préstamo ITIN? Un préstamo ITIN es una hipoteca diseñada para personas que declaran impuestos usando un Número de Identificación de Contribuyente Individual (ITIN) en lugar de un número de Seguro Social (SSN). El ITIN lo otorga el IRS a quienes no son elegibles para un SSN pero aún así deben declarar impuestos en EE. UU. 💬 En resumen: ¿No tienes SSN? ¡No hay problema! Si has sido financieramente responsable y cuentas con documentación básica, ¡podrías calificar! 💪 👨‍👩‍👧‍👦 ¿Quién se beneficia de un préstamo ITIN? Los préstamos ITIN están diseñados para quienes persiguen el sueño americano — incluso sin documentación tradicional. Podrías beneficiarte si: 🌎 Eres inmigrante viviendo en EE. UU. sin green card ni SSN 🧾 Declaras impuestos usando un ITIN 💼 Tienes ingresos estables (W-2, por cuenta propia o incluso en efectivo con comprobantes) 💳 Pagas renta y servicios a tiempo y puedes demostrarlo 💥 Hemos ayudado a familias que pensaban que comprar casa era imposible — ¡y cerraron en solo 30–45 días! 🛠️ ¿Cómo funcionan los préstamos ITIN? Los préstamos ITIN generalmente son financiados por prestamistas no tradicionales (non-QM) o bancos especializados que operan fuera de los lineamientos de Fannie Mae/Freddie Mac. Aquí te explicamos cómo funcionan: 💰 Tipos de préstamo: Tasa fija o ajustable Compra, refinanciamiento o retiro de efectivo Propiedad principal, segunda vivienda y algunas propiedades de inversión 💵 Pago inicial: Generalmente del 10 % al 20 % A menudo se permiten fondos de regalo 📊 Crédito: En algunos casos no se requiere puntaje FICO Se puede usar historial de renta, servicios públicos o incluso crédito internacional 📉 Tasas y plazos: Ligeramente más altas que las convencionales Disponibles con tasa fija a 30 años o ARM de 5/7/10 años 📄 Documentación que necesitarás Para obtener una precalificación, debes demostrar estabilidad, ingresos y solvencia. La mayoría de los prestamistas solicitarán: 🆔 ITIN válido y vigente 📑 2 años de declaraciones de impuestos 💼 Comprobante de ingresos (W-2s, 1099s, o P&L si trabajas por cuenta propia) 🏦 2–3 meses de estados de cuenta bancarios 🌐 Identificación válida (pasaporte, matrícula consular, etc.) 🏘️ Historial de renta (comprobante bancario o carta del arrendador) 💡 Consejo extra: ¡Algunos prestamistas incluso aceptan ingresos o activos del extranjero! 🚫 Conceptos erróneos comunes sobre los préstamos ITIN ❌ Mito 1 : Los préstamos ITIN son ilegales. ✅ Falso. Son 100 % legales y cumplen con las regulaciones federales. ❌ Mito 2 : No calificas si eres trabajador independiente o te pagan en efectivo. ✅ No es cierto. Con declaraciones de impuestos o registros bancarios, definitivamente puedes calificar. ❌ Mito 3 : Te van a estafar o cobrar de más. ✅ ¡No con nosotros! Buscamos la mejor opción para tu préstamo y te explicamos todo con claridad. 🌱 ¿Por qué los préstamos ITIN son importantes para nuestras comunidades? 🏘️ Ser dueño de una casa crea riqueza generacional, estabiliza vecindarios y eleva a las familias. Para muchos inmigrantes, los préstamos ITIN son un puente hacia un futuro mejor — y nos enorgullece ser parte de ese proceso. ❤️ 🧑‍💼 Cómo pueden ayudar los agentes de bienes raíces Agentes inmobiliarios — ¡no dejen pasar esta oportunidad! Los compradores con ITIN son leales, motivados y, en muchos casos, están bien establecidos en sus comunidades. Aquí algunas formas de atenderlos mejor: 🤝 Haz equipo con prestamistas que conozcan las reglas de ITIN • 📆 Establece tiempos y expectativas realistas • 💗 Lidera con empatía y orientación 📣 ¿Quieres destacar? Dirige tu marketing a clientes con ITIN — ¡nosotros te respaldamos! 💼 El enfoque de Fresh Home Loan hacia los préstamos ITIN En Fresh Home Loan Inc., trabajamos con prestamistas confiables para ofrecer soluciones hipotecarias ITIN rápidas, justas y transparentes. Ya sea tu primera casa o una inversión, estamos contigo en cada paso. ✅ 🚀 ¿Listo para comenzar? ¿Conoces a alguien que pueda beneficiarse de un préstamo ITIN? Hagamos realidad el sueño de ser dueño de una casa — de la forma correcta, con apoyo y claridad desde el primer día. 🏠✨ “Llama hoy mismo para empezar tu precalificación — en Fresh Home Loan hablamos tu idioma y creemos en tu futuro.”