Josh Cummings Business Page - Ruhl & Ruhl Realtors

Josh Cummings Business Page - Ruhl & Ruhl Realtors I enjoy connecting with buyers & sellers. Helping them through one of life's biggest decisions: buying or selling a home. Let's connect

As a licensed realtor & proud member of the Ruhl team, I bring integrity, hard work, & local expertise to every client. Born and raised in Davenport Iowa. Married my college sweetheart in 2006, Erica, and we have 2 beautiful daughters. We moved to Wilton in 2006 where I accepted my first job as a Police Officer. From 2009-2015 I worked for the Muscatine Police Department. 2015-2022 I worked in the

Local 145 Union Electrical Trade and got my Journeyman Card as an Inside Wireman. All these positions gave me a unique skill-set to pursue Real Estate Investing. I also obtained my coaching certificate in the State of Iowa in 2023, and am an assistant coach for the Wilton Girls Wrestling Team. I started Sugar Creek Properties LLC in 2022 and obtained my Iowa Real Estate License in May of 2023. I have had 3 successful listings since May of last year. 2 were business projects; one I was able to wholesale to other real estate investors, and the other was a house flip. My goal is to reach 100 real estate investment properties: flipping, wholesaling, or rental units. The other main focus of my business is to give back to the local community where I live. I have had the wonderful opportunity to pursue my dreams because of Real Estate, and can now add Philanthropist to that list. I set aside a portion of the profits from investment properties to donate to the Wilton Community. My hobbies are quite extensive: I enjoy reading, writing/journaling, and philosophy. I workout on a regular basis, lifting, running, & biking. I am also an avid investor, stocks, gold, silver, and real estate. I enjoy things that appreciate over time and love to diversify my portfolio

Did you know nearly 1 in 3 home purchases today involves co-buyers?That's right, more and more first-time buyers are tea...
06/06/2026

Did you know nearly 1 in 3 home purchases today involves co-buyers?

That's right, more and more first-time buyers are teaming up with friends, siblings, or unmarried partners to make homeownership happen.

And honestly? It makes a lot of sense given how tough affordability can still be for first-time buyers.

Combining incomes means a bigger down payment, better loan qualification, and lower monthly costs for everyone involved.

If you've been feeling priced out, co-buying might be the move you haven't considered yet. Drop your questions in the comments. I'd love to help you explore your options.

Here is the one update I suggest before almost every listing. Fresh paint. Not a full renovation. Not a complicated proj...
06/05/2026

Here is the one update I suggest before almost every listing. Fresh paint. Not a full renovation. Not a complicated project. Just clean, neutral walls that make the home feel lighter, brighter, and easier for buyers to imagine themselves in.

It is one of the simplest changes that can completely shift how a home feels the moment someone walks in, especially during spring showings when natural light does most of the work. Sometimes the updates that create the biggest impact are also the simplest ones.


When’s the last time you checked how much equity you’ve built? Because the number might surprise you.In just the past 6 ...
06/05/2026

When’s the last time you checked how much equity you’ve built? Because the number might surprise you.

In just the past 6 years, the average homeowner has gained over $128,000 just from price growth and making their payments.

That’s money that could help fund your next move or a major life goal.

And if you’ve lived there longer than 6 years, your number could be even higher.

Want to find out? I’m offering a free equity assessment for homeowners in our market right now. Just send me a DM to get started.



Here is the roadmap most buyers follow whether they realize it or not.Clarity around numbers. Real preparation. Learning...
06/04/2026

Here is the roadmap most buyers follow whether they realize it or not.

Clarity around numbers. Real preparation. Learning how to evaluate. Then acting without panic when the moment comes Miss a step and things get stressful fast.

Want help knowing where you are in the process? Tell me.


06/04/2026

Wondering if buyers ever catch a break in this market? Look at this. 39% of sellers say they expect to make concessions this year. That’s up from 30% in 2025.

So, you may have more room to negotiate than you think. Want to know what you can ask for as a buyer? Let’s chat.

06/03/2026

When I'm not showing houses, you can find me driving around the neighborhood or trying out a new coffee shop. I love exploring local spots and discovering hidden gems.

What about you, what are your favorite hobbies or activities to do in your free time? Let me know in the comments below.

Thinking about selling your house soon? Don't skip staging.With more houses on the market now, anything you can do to he...
06/03/2026

Thinking about selling your house soon? Don't skip staging.

With more houses on the market now, anything you can do to help yours stand out counts. And while staging costs vary, whatever you spend could pay you back big time.

For example, if you invest the typical $4k for mid-level staging on a $400k home, that can turn into roughly $18k in added value when you sell.

That gives you the potential to net about $14k more at closing – about a 350% return on your investment.

But staging doesn’t have to mean hiring a full crew. There’s an option for almost every budget, from professional staging to virtual staging to simple DIY updates.

DM me if you're getting ready to sell and let's talk about what level of staging makes sense for your house and your budget.

You’ve probably heard of the Veterans Affairs (VA) home loan. But do you know what it offers?In a recent survey, 68% of ...
06/02/2026

You’ve probably heard of the Veterans Affairs (VA) home loan. But do you know what it offers?

In a recent survey, 68% of Veterans didn’t know they may be able to buy a home with zero money down. 77% didn’t know PMI isn’t always required.

Many also have no idea they may be able to count their Basic Allowance for Housing (BAH) and Basic Allowance for Subsistence (BAS) as income.

Any of those VA loan benefits could make homeownership more achievable than you realize.

If you’ve served (or know someone who has), get in touch with a trusted lender for more information on VA home loan options and what you may qualify for.

I am not saying you have to love every finish… but you should make sure the bones make sense. Paint changes. Fixtures ch...
05/30/2026

I am not saying you have to love every finish… but you should make sure the bones make sense. Paint changes. Fixtures change. A layout that does not work usually stays that way. When you walk into a home, what do you notice first, the finishes or the layout?


Address

226 E 2nd Street
Muscatine, IA
52761

Telephone

+15633439627

Website

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