Insights from the operating layer of rental housing risk.

NMHC Spring Meeting 2026: Key Takeaways for Multifamily Risk Leaders

The 2026 NMHC Spring Meeting in Chicago brought together senior multifamily leaders at an important moment for the industry. Across capital markets, housing policy, operations, workforce strategy and leadership, one theme came through clearly: the next phase of multifamily performance will be def…

Eric Jeffries·May 3, 2026·3 min

Underwriting Bad Debt Revisited: The True Cost of Tenant Default

In my 30-year career in multifamily investment management, beginning with acquisitions, bad debt was often only superficially analyzed and typically underwritten to a standard of approximately 50 basis points (bps) at stabilization. If a property was acquired with higher bad debt, say 1 or 2 perc…

Steve Zaleski·May 3, 2026·5 min

From Data Silos to Strategic Advantage: Why Every Multifamily Operator Needs a Risk Intelligence Hub

Joe Schwartz·May 3, 2026·11 min

RETCON 2026: Where Multifamily Rental Housing Is Finding Its Next Edge

By Eric Jeffries, Assurified Multifamily executives know their current technology solutions work, but are they settling with good enough? What RETCON 2026 made clear is that the industry has moved on to a more demanding question: can innovative new solutions deliver significant, measurable, incre…

Eric Jeffries·May 3, 2026·3 min

NMHC 2026: AI, Data & Risk - From Experimentation to Execution

By Eric Jeffries, Chief Commercial Officer, Assurified

Eric Jeffries·May 3, 2026·2 min

Fraud Detection in Multifamily Real Estate: Balancing Security and Customer Experience

Introduction In today's multifamily real estate market, property managers face increasing pressure to safeguard communities against fraud while ensuring only qualified renters are approved. Fraud detection and analytics solutions have become essential, enabling property management teams to effici…

Joe Schwartz·May 3, 2026·5 min

OPTECH 2025: Key Takeaways for Multifamily’s Next Chapter

With OPTECH 2025 now wrapped, the conversations shaping multifamily’s next chapter are clearer than ever. Across three days of programming, from packed general sessions to hallway discussions, operators voiced common priorities: more control, more clarity, and more confidence in the systems that …

Joe Schwartz·November 24, 2025·4 min

Transforming Total Cost of Risk into Net Operating Income

Total Cost of Risk (TCOR) in Multifamily A comprehensive guide for institutional rental housing risk & finance leaders navigating today's unforgiving insurance landscape Industry insights sourced from NMHC, Fannie Mae, Freddie Mac, and leading risk management authorities Executive Context: The Pe…

Joe Schwartz·November 24, 2025·8 min

Protecting NOI: Managing the Resident Default Risk Lifecycle in Rental Housing

Joe Schwartz·August 23, 2025·4 min

4 Key Takeaways from the 2025 NMHC Research & Data Analytics Forum

Eric Jeffries·April 15, 2025·3 min

Transforming Risk into Reward: A Strategic Roadmap for Modern Rental Housing Operations

Shelley Robinson·March 24, 2025·3 min

10 Key Takeaways from RETCON 2025: Innovation, Technology, and the Future of Real Estate

Eric Jeffries·March 19, 2025·3 min

The Changing Landscape of Security Deposits in Rental Housing

Joe Schwartz·February 20, 2025·3 min

NMHC 2025 Annual Meeting Recap: Key Takeaways

Joe Schwartz·February 3, 2025·4 min

The Future of Risk Management in Rental Housing

Joe Schwartz·January 23, 2025·5 min

The True Cost of Traditional Security Deposits: Why Single-Family Rental Leaders Are Rethinking Risk Management

Joe Schwartz·January 3, 2025·4 min

Overcoming Obstacles to Implementing a Risk Transformation Platform

Joe Schwartz·December 5, 2024·4 min

Buy vs. Build: Choosing a Risk Transformation Platform for Multifamily

Introduction This post is the fourth in our six-part series on tech-enabled risk transformation for multifamily real estate firms. In the previous installments, we’ve explored: Why Multifamily Risk Management Needs a Tech-Enabled Transformation Key Capabilities of a Risk Transformation Platform H…

Joe Schwartz·November 26, 2024·3 min

How Advanced Analytics is Transforming Risk Management in Multifamily Real Estate

Author's Note: This is the third post in our six-part series on the transformative power of risk management in the multifamily real estate sector. If you missed the first two posts, entitled "Key Capabilities of a Risk Transformation Platform" and "Why Multifamily Risk Management Needs a Tech-Ena…

Joe Schwartz·November 19, 2024·6 min

Key Capabilities of a Risk Transformation Platform

Author’s Note: This is the second post in our six-part series on the transformative power of risk management in the multifamily real estate sector. If you missed the first post, entitled “ Why Multifamily Risk Management Needs a Tech-Enabled Transformation ”, please be sure to check it out for an…

Joe Schwartz·November 5, 2024·5 min

Why Multifamily Risk Management Needs a Tech-Enabled Transformation

Author’s Note : This post is the first in a six-part series on Technology-Enabled Risk Transformation for Multifamily Real Estate. In this series, we’ll explore how technology can empower property owners and operators to manage risk more effectively. Today’s post focuses on the need for a tech-en…

Joe Schwartz·October 31, 2024·4 min

Leveraging Technology and Captive Insurers to Transform Multifamily Housing Insurance

The insurance and reinsurance industry, traditionally seen as a bastion of stability and caution, has been notably slow in embracing new technologies . This hesitance to adopt innovative solutions is not just a quirk of the industry but a significant barrier to its evolution, potentially affectin…

Nick Cardinez·August 28, 2024·3 min

The Impact of Risk Marketplaces on the Commercial Property Insurance Market

Introduction The commercial property insurance market is undergoing significant changes due to the emergence of risk marketplaces. These marketplaces offer alternative risk transfer (ART) solutions, reshaping the landscape of property insurance. This blog post explores the types of risk marketpla…

Nick Cardinez·June 14, 2024·6 min

Optimizing Total Cost of Risk to Boost Returns on Multifamily Assets

Recent surveys reveal that TCOR is skyrocketing for multifamily firms, straining budgets and threatening profitability. Total Cost of Risk (TCOR) encompasses all costs associated with risk management, including insurance premiums, claims losses, risk mitigation expenses, tenant default and administ…

Joe Schwartz·April 27, 2024·4 min

Challenges and Opportunities for CRE Risk Managers

Along with rising interest rates, commercial real estate risk professionals face the challenges of managing escalating insurance costs - up 73% from 2017-2022 per Moody's - further squeezing net operating income. Captives, a form of self-insurance via a wholly owned subsidiary, can provide more f…

Joe Schwartz·April 27, 2024·5 min

Navigating the New Norm in Multifamily Commercial Real Estate Insurance

Nick Cardinez·April 1, 2024·4 min

The Cost of Protection: Insurance Squeeze Threatens Affordable Housing

A crisis is unfolding in the United St at es, with over 1.7 million low-income families across the country facing a threat from soaring insurance premiums.

Steve Zaleski·April 1, 2024·4 min