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Private Wealth Event | Mortgage Strategy, Asset-Based Lending & Market Outlook
In this video, Kenn Renner, real estate expert serving Central Texas and investors nationwide, sits down with Eddie Garcia, Private Wealth Mortgage Banker with US Bank, for a deep dive into private wealth lending, advanced mortgage strategies, and what buyers and investors should be thinking about as we move toward 2026.
This conversation previews an upcoming Private Wealth Event being held on February 20 at the US Bank Building in San Jose, where Eddie will be one of several featured experts sharing insights on financing, asset protection, and long-term wealth planning.
Kenn Renner opens the discussion by highlighting the importance of working with experienced professionals — especially for high-net-worth individuals who are purchasing primary residences, second homes, or investment properties across multiple states. Eddie Garcia brings more than 25 years of experience in mortgage banking and has seen multiple market cycles, from early-2000s rate cuts to the housing crash, the COVID-era rate environment, and today’s evolving market.
Eddie explains how today’s lending environment is far more structured and disciplined than in the past, with proper income verification, asset documentation, and debt-to-income analysis. While interest rates reached historic lows during COVID, he emphasizes that those levels were a one-time event — not the norm. Historically, a healthy market sits closer to the high-3% to low-4% range, which is where rates are expected to trend again over time as inflation cools.
A major focus of the conversation is asset-based lending and private wealth mortgage solutions. Eddie shares how high-net-worth clients can access capital without liquidating investments or triggering unnecessary taxes. Through tools like secured asset lines, clients can borrow against brokerage accounts for down payments or investment opportunities while keeping their assets invested and positioned for long-term growth.
The discussion also covers:
• Lending directly into LLCs for asset protection
• Investment property financing across all 50 states
• Construction loans and lot loans
• Flexible guidelines for private wealth clients with substantial reserves
• Interest-rate buy-down strategies and refinancing positioning
Kenn and Eddie also talk about how private wealth clients often face unique challenges — such as needing liquidity while assets are tied up in investments, stock portfolios, or a departing residence. These strategies allow clients to move forward confidently without disrupting their broader financial plans.
Another key theme is long-term positioning. Rather than focusing only on today’s rate, this conversation emphasizes aligning mortgage decisions with future refinancing opportunities, market shifts, and overall wealth goals. Eddie also shares insight into programs for first-time buyers, investor lending, and how builder incentives and buy-downs can be used strategically in the current market.
This video is especially valuable for:
• High-net-worth individuals
• Business owners and entrepreneurs
• Real estate investors
• Buyers with complex income or asset structures
• Anyone interested in private wealth lending and strategic financing
Private Wealth Event Details
Date: February 20
Time: 3:00–5:00 PM
Location: US Bank Building, San Jose
Website: privatewealthinvesting.com
If you’re interested in smarter mortgage strategies, asset protection, leveraging investments without liquidation, and positioning your wealth for the future, this is a conversation you don’t want to miss.
Watch the full video to learn how private wealth mortgage banking and strategic lending can help you move from where you are today to where you want to be — with clarity, flexibility, and confidence.
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