In a major legislative win for President Donald J. Trump, H.R. 1 — dubbed the One Big Beautiful Bill Act — has officially become law. Beyond the political headlines, this sweeping budget and tax legislation delivers significant, lasting changes to the mortgage, housing, and investment landscape. For real estate professionals, investors, and mortgage originators, especially those working with underserved and minority communities, these updates represent both opportunity and urgency.
And that’s where InterCapital Funding steps in — to help you take full advantage of these changes with smarter lending strategies, flexible programs, and real people who understand the streets, not just spreadsheets.
💡 Key Provisions That Affect You — and How InterCapital Funding Helps
✅ Permanent Deduction for Mortgage Insurance (PMI, FHA, VA, USDA)
What It Means: Borrowers can now permanently deduct mortgage insurance premiums (subject to income limits).
How We Help: InterCapital Funding specializes in helping low-down-payment borrowers use FHA, VA, and non-bankable financing to build wealth. We make these deductions work for our clients, not against them.
✅ $750K Cap on Mortgage Interest Deduction Made Permanent
What It Means: The cap is locked in — no expansion, no reduction.
How We Help: Our loan officers help borrowers in high-cost markets strategize around this deduction, especially when structuring jumbo or DSCR deals.
✅ Expansion of the Low-Income Housing Tax Credit (LIHTC)
What It Means: More affordable rental housing is coming, thanks to expanded tax incentives for developers.
How We Help: InterCapital Funding works directly with multifamily investors, community developers, and emerging Black and Brown developers building in revitalizing neighborhoods.
❌ No New Federal Down Payment Assistance (DPA)
What It Means: First-time homebuyer grants aren’t coming from this bill.
How We Help: We fill that gap with creative financing and bridge loans, and connect clients with state/local DPA options. Plus, our 3-1-3 referral program lets agents earn three checks per transaction while helping their clients get funded.
✅ Temporary SALT Cap Increase (2025–2029)
What It Means: Deduction cap raised to $40K for high-income households — big win in high-tax states.
How We Help: Our lending team leverages this for high-net-worth investors who can now deduct more, reinvest more, and grow more, tax-smart.
🏠 Major Wins for Real Estate Investors
📉 20% QBI Deduction Made Permanent
Rental income remains tax-advantaged.
With InterCapital: We show minority investors how to maximize returns using this deduction, especially through cash-flowing buy & hold strategies.
📉 Business Interest Deductions Remain
Real estate investors keep writing off mortgage interest.
With InterCapital: Our DSCR and commercial loan programs are structured to maximize interest deductibility, especially for leveraged portfolios.
📉 1031 Like-Kind Exchanges Stay Intact
Tax-deferred growth is still on the table.
With InterCapital: We help clients exit, roll over gains, and reposition capital — all without missing a beat.
📉 Opportunity Zone Rollovers Remain
Capital gains can still be deferred and reinvested.
With InterCapital: We actively work with investors targeting Opportunity Zones across Michigan and beyond.
🚨 What You Should Be Doing Now
- Talk to FHA/VA/3%-Down Borrowers: Mortgage insurance is now deductible — position this as monthly cost relief.
- Use the 750K Deduction Limit as a Planning Tool: High-cost clients can now invest with tax certainty.
- 3.Leverage LIHTC Knowledge: Position yourself as a go-to for multifamily developers in affordable markets.
- 4.Stay Sharp on Local DPA: We partner with programs across the country, and we can help you qualify clients the big banks can’t.
- 5.Educate Your Investor Clients: InterCapital Funding helps you structure deals that take full advantage of QBI, interest deductibility, and 1031 rollovers.
✊ Bottom Line: Opportunity Doesn’t Knock — You Create It
The One Big Beautiful Bill locks in powerful advantages for homeowners and real estate investors. But understanding tax codes isn’t enough — you need a lending partner who can turn policy into profit.
At InterCapital Funding, we’re not the first call investors make — but we’re the one that gets them paid.
Whether you’re building your first rental portfolio, flipping your third deal, or trying to scale beyond what the banks will touch — we’ve got the capital, the community insight, and the commitment to help you win.
Let’s build wealth where it’s needed most.
Click the link or DM us now to get access to our investor programs, creative financing options, and 3-1-3 referral strategy.
InterCapital Funding — Real Money. Real Property. Real People.