FinCEN’s New Real Estate Reporting Rule (March 1, 2026): What Missouri Investors Need to Know

Описание: FinCEN is rolling out a NEW federal real estate reporting rule that starts March 1, 2026 and if you’re a real estate investor buying in an LLC or trust using hard money, private money, or cash, this will affect your closings.

In this Buyers Club Live episode, we’re joined by Kim Kramer (VP of Escrow Operations at True Title Company) to break down what’s changing, who it applies to, what info will be collected, and how to avoid deal delays.

What we cover:

✅ The 3 triggers that require FinCEN reporting
✅ When LLCs & trusts are impacted (and when personal name purchases aren’t)
✅ What “non-financed” really means (hard money, private money, gifts, and more)
✅ What seller info may be required when the buyer triggers reporting
✅ Beneficial Owner Information (BOI): who counts and what you’ll need
✅ Trust purchases: what gets reported and why it can be more complex
✅ Assignments vs. double closes (how wholesalers may be impacted)
✅ Possible added fees + how to keep closings smooth
✅ What investors + agents should do NOW to avoid surprises

This is a federal rule (nationwide), but we’re talking about it from the lens of St. Louis / Missouri investors who use private and hard money regularly.

📌 Effective Date: March 1, 2026
📌 Rule Focus: Certain residential purchases (1–4 units + residential land) involving entities/trusts and non-bank financing.

Official resources (credible links):

FinCEN Residential Real Estate Rule: https://www.fincen.gov/rre

FinCEN RRE FAQs: https://www.fincen.gov/rre-faqs

FinCEN RRE Fact Sheet (PDF): https://www.fincen.gov/system/files/s...

Want to connect?

💬 Join the Buyers Club Community of Real Estate Investors (St. Louis):   / 16qjsaevze  

🏢 True Title Company (O’Fallon, MO): https://truetitle.com/

#realestateinvesting #hardmoney #privatemoney #fincen #stlouisrealestate #wholesaling #fixandflip #brrrr #realestateinvestor

Questions? Leave us a comment below 🔽


🏠 FasterFunds Lending (St. Louis Hard Money Lender): https://fasterfundslending.com/
Phone: (636) 223-4262
IG: https: //www.instagram.com/fasterfundslending/
Facebook:   / fasterfundslending  

#hardmoneystl #stlhardmoneylender #fixandflip #stlrealestate #stlrehabbers #stlflippers #reiflippers #firstrealestateflip #hardmoney #stlrealestate #stlouisrealestate #stlouishardmoneylender #realestateinvesting #hardmoney #privatemoney #fincen #stlouisrealestate #wholesaling #fixandflip #brrrr #realestateinvestor