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This week, we're exploring a market that we believe offers a unique blend of affordability, culture, and economic momentum: Cincinnati, Ohio. The Queen City is steadily gaining a reputation as a prime location for real estate investors, and we want to give you the inside scoop on why it deserves your attention.

Let's take a look at the key trends in interest rates, inventory, and rent growth that are shaping opportunities in Cincinnati right now.

What Makes Cincinnati's Market So Appealing?

Cincinnati boasts a diverse economy with major players in healthcare, finance, and consumer goods, creating a stable job market that attracts and retains residents. This economic resilience, combined with the city's vibrant neighborhoods, makes it a compelling place to invest. We're seeing a market that provides a solid foundation for long-term growth.

What investment is rudimentary for billionaires but ‘revolutionary’ for 70,571+ investors entering 2026?

Imagine this. You open your phone to an alert. It says, “you spent $236,000,000 more this month than you did last month.”

If you were the top bidder at Sotheby’s fall auctions, it could be reality.

Sounds crazy, right? But when the ultra-wealthy spend staggering amounts on blue-chip art, it’s not just for decoration.

The scarcity of these treasured artworks has helped drive their prices, in exceptional cases, to thin-air heights, without moving in lockstep with other asset classes.

The contemporary and post war segments have even outpaced the S&P 500 overall since 1995.*

Now, over 70,000 people have invested $1.2 billion+ across 500 iconic artworks featuring Banksy, Basquiat, Picasso, and more.

How? You don’t need Medici money to invest in multimillion dollar artworks with Masterworks.

Thousands of members have gotten annualized net returns like 14.6%, 17.6%, and 17.8% from 26 sales to date.

*Based on Masterworks data. Past performance is not indicative of future returns. Important Reg A disclosures: masterworks.com/cd

Here are the dynamics we're currently watching:

  • Interest Rates and Affordability: While interest rates have risen nationally, Cincinnati's affordable property values provide a significant advantage. We believe this helps keep homeownership and investing accessible. For investors, lower entry costs mean that achieving positive cash flow on a rental property is more attainable, even in today's rate environment.

  • A Normalizing Housing Inventory: The fast-paced market of the last few years is beginning to find a healthier balance. We're seeing an increase in the number of homes available for sale, which is great news for buyers. This shift gives you more time to analyze deals properly and more power to negotiate, creating a more favorable purchasing environment.

  • Strong and Consistent Rent Growth: Cincinnati's growing population and thriving urban core are driving strong demand for rental housing. From the historic streets of Over-the-Rhine to family-friendly suburbs, the rental market remains robust. We see this consistent demand as a reliable indicator of a city with a bright future, perfect for building a dependable stream of rental income.

When Is the Right Time to Retire?

Determining when to retire is one of life’s biggest decisions, and the right time depends on your personal vision for the future. Have you considered what your retirement will look like, how long your money needs to last and what your expenses will be? Answering these questions is the first step toward building a successful retirement plan.

Our guide, When to Retire: A Quick and Easy Planning Guide, walks you through these critical steps. Learn ways to define your goals and align your investment strategy to meet them. If you have $1,000,000 or more saved, download your free guide to start planning for the retirement you’ve worked for.

How to Find Your Opportunity in Cincinnati

We're optimistic that investors who do their homework can find excellent deals in the Cincinnati market. Success lies in identifying up-and-coming neighborhoods and properties that offer value-add potential. Look for areas benefiting from ongoing revitalization efforts or those near major employment centers like the University of Cincinnati or the city's major hospital systems.

The current market conditions in Cincinnati are ideal for a strategic investor. Its blend of affordability and steady demand creates a powerful opportunity to add a high-performing asset to your real estate portfolio.

If you’re ready to see how the Queen City can help you achieve your investment goals, we encourage you to start exploring the possibilities.

To your success,

The Financial Freedom Team

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