Company: LRHC
Filing Date: 2025-04-15
Form Type: 10-K
Source: 0001213900-25-032211
Chunk: 296

Company: La Rosa Holdings Corp.
Filing Date: 2025-04-15
Form: 10-K
Item: Item 1A
Chunk 296
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 foreclosures by lenders, the last one occurring in the early 2000’s.

Any of the following could
be associated with cyclicality in the housing market by halting or limiting the current growth in the housing market, and have a material
adverse effect on our business by causing periods of lower growth or a decline in the number of home sales and/or home prices which, in
turn, could adversely affect our revenue and profitability:

    ●
    a continued rise in inflation;

    ●
    a period of slow economic growth or recessionary conditions;

    ●
    a continued increase in mortgage interest rates;

    ●
    a tightening of credit standards by financial institutions;

    ●
    legislative, tax or regulatory changes that would adversely impact the residential real estate market, including but not limited to those relating to mortgage financing, restrictions imposed on mortgage originators as well as retention levels required to be maintained by sponsors to securitize certain mortgages, the elimination of the deductibility of certain mortgage interest expense, the application of the alternative minimum tax, and real property taxes and employee relocation expense;

    ●
    insufficient home inventory levels in our markets;

    ●
    a continued increase in the acquisition of single-family homes by corporate buyers for rental purposes;

    ●
    a decrease in the affordability of homes;

19

    ●
    a decrease in consumer confidence;

    ●
    increase in the cost of premiums for home insurance due to recent hurricanes; and

    ●
    natural disasters, such as hurricanes, earthquakes and other disasters that disrupt local or regional real estate markets.

The lack of financing
for homebuyers in the U.S. residential real estate market at favorable rates and on favorable terms has had a material adverse effect
on our financial performance and results of operations.

Our business is significantly
impacted by the availability of financing at favorable rates or on favorable terms for homebuyers, which may be affected by government
regulations and policies. Certain on-going governmental actions or inactions, such as the U.S. federal government’s conservatorship
of Fannie Mae and Freddie Mac, capital standards imposed on banks by the Office of the Comptroller of the Currency, the monetary policy
of the U.S. government, and any rising interest rate environment may adversely impact the housing industry, including homebuyers’
ability to finance and purchase homes.

The monetary policy of the
U.S. government, and particularly the Federal Reserve Board, which regulates the supply of money and credit