Eugene Real Estate Investing & Real Estate Financial Planning™ Podcast

Property prices and interest rates are currently high, while rents are not keeping up. Achieving cash flow has become even more crucial and challenging than ever, despite our 88 strategies to maximize it.

One common question that arises is whether it is better to purchase rental properties with 20% down payments or to invest in stocks. Buying rental properties with 20% down allows you to use leverage, which can significantly magnify both good and bad returns. Therefore, selecting the right investment property is crucial to your success or lack thereof.

To be fair, you could also leverage yourself by investing in stocks to a lesser degree. However, we won’t be discussing this in this particular comparison class.

Owning rentals requires a more active approach than passively investing in stocks. Is the extra work worth the extra effort? How much better or worse is it?

In this special class, James will compare the two strategies across 300 US markets, as the numbers differ depending on local market prices, rents, and income. Which strategy - 20% down or stocks - leads to a higher net worth? Which gets you to financial independence faster? Which is safer, and which carries more risk? And much more.

After attending this class, you should have a clearer understanding of whether you should seriously consider saving up 20% down payments to acquire up to 10 rental properties or take the easier route of passively investing in the stock market.

Check out the video and interactive charts from this class here:

https://RealEstateFinancialPlanner.com/model/20-down-payment-versus-stocks/

Or, see Eugene specific, detailed analysis of a variety of strategies here:

https://RealEstateFinancialPlanner.com/model/OR/Eugene/

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:

https://RealEstateFinancialPlanner.com/spreadsheet

Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.

Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Eugene real estate investor podcast? Book a free consultation to discuss.

Is Creative Financing Really Nothing Down?

Every real estate investor has heard stories of the amazing deals that can be found with creative financing, often involving instant equity from buying significantly below current fair market value with nothing down. While these deals do exist, they are not typical. So, what can an investor reasonably expect when it comes to creative financing deals that require no money up-front?

In this mini-class, James tackles this question head-on and examines whether lease-option, subject to, owner financing, and other popular creative financing deals are truly nothing down or if they require some money up-front.

Check out the video from this class here:

Is Creative Financing Really Nothing Down? - Video

In this class, James discusses:

• Nothing down financing options
• Creative financing
• Owner financing
• Wrap financing
• Loan assumption
• Rent to own, lease to own, lease-option, lease-purchase
• Installment land contract, contract for deed, etc
• Subject to
• Private money and hard money
• VA Loans and USDA Loans (especially for house hackers and Nomads)
• Local banks
• Plus, why these may be no down payment required, that doesn't mean no money required
• Plus much more...

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:

https://RealEstateFinancialPlanner.com/spreadsheet

Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.

Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Eugene real estate investor podcast? Book a free consultation to discuss.

Improving Cash Flow on Properties You Already Own

When real estate prices, mortgage interest rates, and rental rates are high, generating great cash flow from a rental property can be more challenging. However, it is also more important than ever to do everything in your power to maximize cash flow.

There are 88 strategies for improving cash flow on rental properties, with some powerful ones related to properties you already own. This mini-class covers the strategies for those properties, which make up the second largest group of strategies.

Check out the video of this class here:

Improving Cash Flow on Properties You Already Own - Video Recording

In this special mini-class for the Real Estate Financial Planner™ coaching program James covers:

• 88 Ways to Improve Cash Flow from Real Estate Rental Properties including the following...
• Improving cash flow by refinancing to extend the term
• Improving cash flow by refinancing to improve the interest rate
• Improving cash flow by paying off the loan completely
• Improving cash flow by correcting assessor info
• Improving cash flow by contesting tax increases with valid comps
• Improving cash flow by voting appropriately on tax related measures
• Improving cash flow by shopping your insurance rates
• Improving cash flow by evaluating your insurance coverage
• Improving cash flow by optimizing who is insured on your policies
• Improving cash flow by setting an appropriate insurance deductible for your situation/properties
• Improving cash flow by removing private mortgage insurance
• Improving cash flow by getting a discount for setting up autopay
• Improving cash flow by getting a discount for paying in full/early
• Improving cash flow by self managing
• Or, alternatively improving cash flow by hiring a professional property manager
• Improving cash flow by managing your property manager
• Improving cash flow by insisting that your team apply best practices
• Improving cash flow by maintaining your properties
• Improving cash flow by using quality materials
• Improving cash flow by accelerating depreciation
• Plus more...

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:

https://RealEstateFinancialPlanner.com/spreadsheet

Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.

Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Eugene real estate investor podcast? Book a free consultation to discuss.

Nothing Down Financing Options for Real Estate Investors

Some real estate investors are obsessed with investing in real estate with no down payment. For some, it is a practical necessity because they don't have the funds for a down payment. For others, it's about boosting their return on investment.

Although there may be other local options and creative financing options available, there are two primary "no down payment" options for traditional financing. In this mini-class, we will cover these two traditional "no down payment" options.

Check out the video from this class here:

Nothing Down Financing Options for Real Estate Investors - Video

In this class, James discusses:

• Nothing down financing options
• Creative financing
• Owner financing
• Wrap financing
• Loan assumption
• Rent to own, lease to own, lease-option, lease-purchase
• Installment land contract, contract for deed, etc
• Subject to
• Private money and hard money
• VA Loans and USDA Loans (especially for house hackers and Nomads)
• Local banks
• Why no down payment may be at odds with improving cash flow and why it might not matter (depending on your goal)
• Why no down payment may not be no money required
• Plus much more...

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:

https://RealEstateFinancialPlanner.com/spreadsheet

Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.

Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Eugene real estate investor podcast? Book a free consultation to discuss.

Property prices and interest rates are high, while rents are lagging. Cash flow is both more important and harder to achieve than ever, even with our 88 strategies to improve and maximize it.

Another question common rises to the top of the list: I’m going to buy an owner-occupant property with 5% down first, but then… should you put 20% down when acquiring your rental properties, or should you save up a little more and put 25% down even if it means a slightly slower acquisition pace?

Putting 25% down does get you a slightly better interest rate and because you’re borrowing less cash flow is slightly better too. Will that make up for having to wait a little longer saving up for slightly larger down payments?

In this special class, James will conduct a thorough comparison of the two strategies across 300 US markets, as the numbers vary depending on your local market's prices, rents, and income.

Which strategy—20% down or 25% down—gives you a higher net worth? Which gets you to financial independence the fastest? Which is the safest, and which has the most risk? Plus much more.

After attending this class, you should have a much clearer understanding of whether you should seriously consider taking the extra time and effort to save up 25% down payments or push to acquire as quickly as possible with 20% down payments when acquiring up to 10 rental properties.

Check out the video and interactive charts from this class here:

https://RealEstateFinancialPlanner.com/model/20-versus-25-down-payment/

Or, see Eugene specific, detailed analysis of a variety of strategies here:

https://RealEstateFinancialPlanner.com/model/OR/Eugene/

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:

https://RealEstateFinancialPlanner.com/spreadsheet

Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.

Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Eugene real estate investor podcast? Book a free consultation to discuss.

Selecting a Lender for Real Estate Investors

The top two, most commonly used dream team members for real estate investors are real estate agents and lenders. In this mini-class we will discuss how to select a lender to use as a real estate investor.

We will discuss some of the selection criteria I consider when choosing a lender to work with.

Check out the video from this class here:

Selecting a Lender for Real Estate Investors - Video

In this class, James discusses:

• The non-monetary considerations when selecting a lender for your real estate investing
• It's not always, exclusively about price
• Being a good Dream Team member
• Additional or fewer overlays
• Personality
• Accessibility and communication
• Going above and beyond
• Lender programs vary
• Plus much more...

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:

https://RealEstateFinancialPlanner.com/spreadsheet

Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.

Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Eugene real estate investor podcast? Book a free consultation to discuss.

Improving Cash Flow When Marketing Your Property for Rent

When real estate prices, mortgage interest rates, and rent rates are high, generating great cash flow from a rental property can be challenging. However, it is more important than ever to maximize cash flow.

There are 88 strategies for improving cash flow on rental properties. Some are used when searching for properties, some when selecting a real estate investing strategy, and some when financing the property. Other strategies are utilized when marketing the property for rent.

This mini-class will cover the latter group, focusing on strategies to improve cash flow when marketing your property to rent.

Check out the video of this class here:

Improving Cash Flow When Marketing Your Property for Rent - Video Recording

In this special mini-class for the Real Estate Financial Planner™ coaching program James covers:

• 88 Ways to Improve Cash Flow from Real Estate Rental Properties including the following...
• Improving cash flow by optimizing the marketing you're using to rent the property
• Improving cash flow by maximizing your exposure when marketing the property for rent
• Improving cash flow by improving your sales and persuasion skills
• Improving cash flow by optimizing the showings
• Plus more...

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:

https://RealEstateFinancialPlanner.com/spreadsheet

Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.

Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Eugene real estate investor podcast? Book a free consultation to discuss.

WARNING: This is not our typical content.

Normally we teach real estate investing classes. This is not one of those classes.

May 20, 2023 is the 1-year anniversary of launching the new real estate investing podcasts.

To honor the anniversary, we’re recapping how the first year went including:

• Key milestones achieved
• Number of episodes published
• Number of podcast downloads
• Number of subscribers
• How much money we made
• How much expenses were to run this business
• What are goals are for the future of the podcasts, substack and beyond
• Plus much, much more...

So, if you’re just interested in real estate investing... skip this recording.

However, if you’re interested to hear about the behind-the-scenes aspects of this podcast and see us build this in public, this is your chance to celebrate our first year together.

Happy anniversary!

Love,

James Orr

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:

https://RealEstateFinancialPlanner.com/spreadsheet

Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.

Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Eugene real estate investor podcast? Book a free consultation to discuss.

FHA Mortgage Insurance Premiums

New, lower mortgage insurance premium (MIP) rates will apply to mortgages insured by FHA on or after March 20, 2023. These rates were announced by HUD on February 22, 2023.

In this mini-class, James will discuss the improvements to FHA Mortgage Insurance Premiums, as well as their previous rates. Additionally, James will explain how this change could impact your cash flow if you decide to buy a property using FHA financing in the future, especially duplexes, triplexes, and fourplexes as a Nomad™ and/or house hacker.

Check out the video and interactive charts from this class here:

FHA Mortgage Insurance Premiums - Video

In this class, James discusses:

• What the FHA Mortgage Insurance Premium change is and when it goes into affect
• How much it will change cash flow on a typical real estate investor purchase
• What Private Mortgage Insurnace is
• What FHA Mortgage Insurance Premiums are (FHA MIP) and how much they are for a variety of situations
• Plus much more...

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:

https://RealEstateFinancialPlanner.com/spreadsheet

Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.

Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Eugene real estate investor podcast? Book a free consultation to discuss.

Property prices and interest rates are high, while rents are lagging. Cash flow is both more important and harder to achieve than ever, even with our 88 strategies to improve and maximize it.

Another question common rises to the top of the list: should you put 20% down when acquiring your rental properties, or should you save up a little more and put 25% down even if it means a slightly slower acquisition pace?

Putting 25% down does get you a slightly better interest rate and because you’re borrowing less cash flow is slightly better too. Will that make up for having to wait a little longer saving up for slightly larger down payments?

In this special class, James will conduct a thorough comparison of the two strategies across 300 US markets, as the numbers vary depending on your local market's prices, rents, and income.

Which strategy—20% down or 25% down—gives you a higher net worth? Which gets you to financial independence the fastest? Which is the safest, and which has the most risk? Plus much more.

After attending this class, you should have a much clearer understanding of whether you should seriously consider taking the extra time and effort to save up 25% down payments or push to acquire as quickly as possible with 20% down payments when acquiring up to 10 rental properties.

Check out the video and interactive charts from this class here:

https://RealEstateFinancialPlanner.com/model/20-versus-25-down-payment-no-oo/

Or, see Eugene specific, detailed analysis of a variety of strategies here:

https://RealEstateFinancialPlanner.com/model/OR/Eugene/

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:

https://RealEstateFinancialPlanner.com/spreadsheet

Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.

Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Eugene real estate investor podcast? Book a free consultation to discuss.

Alternate Uses for Down Payments

It might seem obvious that the more money you save up for down payments, the more you can and maybe should put down as a means of improving cash flow.

But that might not always be the most optimal and effective strategy. In fact, there are a variety of other options available as alternatives that might improve how you look as a borrower and that may ultimately impact how well the property cash flows.

This mini-class discusses the alternate uses of down payments you might want to consider that can improve cash flow versus putting more down.

Check out the video and interactive charts from this class here:

Alternate Uses for Down Payments - Video

In this class, James discusses:

• Improving how you look as a borrower
• Using down payment to boost your reserves
• Using down payment to pay off other debt
• Using down payment to buy down interest rate
• Using down payment to pre-pay Private Mortgage Insurance (PMI)
• Using down payment to lower your LTV to improve interest rate and/or rid yourself of PMI
• Plus much more...

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:

https://RealEstateFinancialPlanner.com/spreadsheet

Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.

Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Eugene real estate investor podcast? Book a free consultation to discuss.

The World's Greatest Real Estate Deal Analysis Spreadsheet™ Updated

I know this sounds controversial, but I'll say it because it is true: everyone else's deal analysis spreadsheet for buying rental properties is wrong.

How?

First, they don't take into account that you MUST have reserves to buy rental properties. A correct deal analysis spreadsheet will take into account both the return you earn on the reserves you need to set aside to prudently buy rentals and take those reserves into account when calculating your return on investment. The "investment" part of the "return on investment" calculation must include the reserves you need to set aside. The World's Greatest Real Estate Deal Analysis Spreadsheet™ does this correctly.

Besides ignoring the fifth return... the one from reserves... hardly any deal analysis spreadsheets take into account the four areas of return: appreciation, debt paydown, Cash Flow from Depreciation™ and the one most do include... cash flow. The World's Greatest Real Estate Deal Analysis Spreadsheet™ does look at all 5 areas of return.

If you happen to be in a market where it is difficult to cash flow with little or nothing down and you choose to put little or nothing down, you're likely to have negative cash flow. Negative cash flow is really deferred down payment... if you put more down, you could get rid of it. But sometimes investors choose to put little or nothing down and therefore choose to pay a deferred down payment (aka negative cash flow) over time. Well, if your spreadsheet does not correctly calculate you setting aside the cumulative negative cash flow you need to prudently, more conservatively make your investment... then it is not analyzing deals correctly. The World's Greatest Real Estate Deal Analysis Spreadsheet™ does allow you to model setting aside your cumulative negative cash flow to analyze your low down and nothing down deals with deferred down payments correctly.

If your old deal analysis spreadsheet does not focus on return on equity... and more specifically your return on the equity you'd have net of all the expenses to access that equity like closing costs, real estate commissions, capital gains taxes, and depreciation recapture taxes... then it is not analyzing deals correctly. The World's Greatest Real Estate Deal Analysis Spreadsheet™ does look at your return on equity... and specifically your return on True Net Equity™ and the cost to access that equity.

And if your deal analysis spreadsheet is useless after you acquire the property, it is doing it wrong. The World's Greatest Real Estate Deal Analysis Spreadsheet™ allows you to update the returns you're earning on your property over time to track the performance of your deal.

Discover some of the updates we made to The World's Greatest Real Estate Deal Analysis Spreadsheet™ in this mini-class.

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:

https://RealEstateFinancialPlanner.com/spreadsheet

Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.

Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Eugene real estate investor podcast? Book a free consultation to discuss.

Improving Cash Flow When Considering Your Real Estate Investing Strategy

When prices are high, mortgage interest rates are high, and rents are lagging, it can be more challenging than ever to generate great cash flow from a rental property. However, it is also more important than ever to do everything in your power to maximize cash flow.

There are 88 strategies for improving cash flow on rental properties, and some of the most powerful are related to the strategy you use for the property you are purchasing. This mini-class covers all the cash flow improving strategies related to your chosen strategy.

Check out the video of this class here:

Improving Cash Flow When Considering Your Real Estate Investing Strategy - Video Recording

In this special mini-class for the Real Estate Financial Planner™ coaching program James covers:

• 88 Ways to Improve Cash Flow from Real Estate Rental Properties including the following...
• Strategies to improve cash flow by changing the term (short-term rental, medium-term rental, long-term rental)
• Strategies to improve cash flow by utilizing the lease-option, lease-purchase family of strategies
• Strategies to improve cash flow by selecting a niche to serve
• Strategies to improve cash flow by house hacking including: getting roommates, renting by the bed/bedroom, renting by parts
• Plus more...

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:

https://RealEstateFinancialPlanner.com/spreadsheet

Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.

Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Eugene real estate investor podcast? Book a free consultation to discuss.

What is the ideal down payment when purchasing a rental property?

While some real estate investors may barely scrape together the minimum down payment, there are advantages to putting down more. Additionally, changing your strategy to allow for a smaller down payment may also have advantages.

In this mini-class, James discusses how different down payment amounts can affect interest rates, overall return on investment, and changes you are likely to see in both interest rate and cash flow.

Check out the video and interactive charts from this class here:

https://refp.substack.com/p/how-much-should-you-put-down-when

In this class, James discusses:

• Not just down payment... total cost to close + reserves + probably cumulative negative cash flow
• How much should you put down?
• Interest rates vary based on owner-occupant and non-owner-occupant
• Interest rates vary based on loan program
• Interest rates vary based on down payment
• Return in dollars - what changes and what stays the same?
• Return on investment - how does it change with various down payment options
• Chart showing effective interest rate for various down payment options (owner-occupant and non-owner-occupant investor loans)
• Chart showing monthly payments for various down payment options (owner-occupant and non-owner-occupant investor loans)
• Chart showing difference in monthly payment (and therefore cash flow) for the same down payment
• Chart showing return in dollars for various down payment options (owner-occupant and non-owner-occupant investor loans)
• Chart showing return on investment for various down payment options (owner-occupant and non-owner-occupant investor loans)
• Plus much more...

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:

https://RealEstateFinancialPlanner.com/spreadsheet

Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.

Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Eugene real estate investor podcast? Book a free consultation to discuss.

Property prices and interest rates are high, while rents are lagging. Cash flow is both more important and harder to achieve than ever, even with our 88 strategies to improve and maximize it.

But a debate still remains: should you use smaller 5% down payments with the Nomad™ real estate investing strategy to acquire your rental properties, or should you save up 20% and buy non-owner-occupant properties at a slightly slower pace?

In this special class, James will conduct a thorough comparison of the two strategies across 300 US markets, as the numbers vary depending on your local market's prices, rents, and income.

Which strategy gives you a higher net worth? Which gets you to financial independence the fastest? Which is the safest, and which has the most risk? Plus much more.

After attending this class, you should have a much clearer understanding of whether you should seriously consider the Nomad™ strategy or opt for a slightly slower pace with 20% down payments when acquiring up to 10 rental properties.

See how putting 5% down compares to putting 20% down to acquire 10 properties compares in 300 US cities.

Check out the video and interactive charts from this class here:

https://RealEstateFinancialPlanner.com/model/nomad-versus-20-down-payment/

Or, see Eugene specific, detailed analysis of both the Baseline Nomad™ strategy and 20% down payment strategy here:

https://RealEstateFinancialPlanner.com/model/OR/Eugene/

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:

https://RealEstateFinancialPlanner.com/spreadsheet

Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.

Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Eugene real estate investor podcast? Book a free consultation to discuss.

How to Get the Down Payment When Buying Rental Properties

There are two primary ways to deal with down payments when buying rental properties: first you can REDUCE the need for them and second you can focus on ways to PRODUCE the down payment required. In this mini-class, James discusses strategies to produce the down payments when buying rental properties.

Check out the video of this class here:

How to Get the Down Payment When Buying Rental Properties - Video Recording

In this special mini-class for the Real Estate Financial Planner™ coaching program James covers:

• We're not just talking about down payment... but...
• Reduce and Produce
• Will it work for me? Fools will... and intelligent, gritty, resolved people will...
• “Investment Cards” (aka Credit Cards)
• Security Deposit
• Maintenance Reserves
• Property equity
• Depreciation
• Retirement Account
• Family Members (Legacy Nomad™)
• Sell stuff you don’t need or want
• Saving
• From regular job, part-time, extra job, business to fund your retirement (or build your fortune)
• Partnering
• Rents (including House Hacking)
• Lease-Option Fees
• Plus more...

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:

https://RealEstateFinancialPlanner.com/spreadsheet

Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.

Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Eugene real estate investor podcast? Book a free consultation to discuss.

Improving Cash Flow When Financing Your Next Rental Property

When prices are high, mortgage interest rates are high, and rents are lagging, it can be more challenging than ever to generate great cash flow from a rental property. However, it is also more important than ever to do everything in your power to maximize cash flow.

There are 88 strategies for improving cash flow on rental properties, with the largest number of strategies related to financing the rental property. This mini-class covers all the cash flow improving strategies related to financing your rental property.

Check out the video of this class here:

Improving Cash Flow When Financing Your Next Rental Property - Video Recording

In this special mini-class for the Real Estate Financial Planner™ coaching program James covers:

• 88 Ways to Improve Cash Flow from Real Estate Rental Properties including the following...
• Strategies to improve cash flow before getting the loan
• Strategies to improve cash flow by paying upfront instead of financing
• Strategies to improve cash flow by changing/improving the borrower(s)
• Strategies to improve cash flow by improving the relationship with the lender
• Strategies to improve cash flow by changing the amortization schedule with the loan
• Strategies to improve cash flow by changing the loan terms
• Strategies to improve cash flow by improving Private Mortgage Insurance (PMI)
• Strategies to improve cash flow by using other properties you own
• Strategies to improve cash flow by uising non-traditional financing options
• Plus more...

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:

https://RealEstateFinancialPlanner.com/spreadsheet

Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.

Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Eugene real estate investor podcast? Book a free consultation to discuss.

Reduce the Need for Down Payments When Buying Rental Properties

There are two primary ways to deal with down payments when buying rental properties: first you can REDUCE the need for them and second you can focus on ways to PRODUCE the down payment required. In this mini-class, James discusses strategies to reduce the need for down payments when buying rental properties.

Check out the video of this class here:

Reduce the Need for Down Payments When Buying Rental Properties - Video Recording

In this special mini-class for the Real Estate Financial Planner™ coaching program James covers:

• We're not just talking about down payment... but...
• Reduce and Produce
• Will it work for me? Fools will... and intelligent, gritty, resolved people will...
• Minimize price to minimize down payment and some warnings with this strategy
• A discussion of an image from Gary Keller's book The Millionaire Real Estate Investor
• Strong seller's markets
• Nothing down financing options
• Creative financing options
• Plus more...

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:

https://RealEstateFinancialPlanner.com/spreadsheet

Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.

Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Eugene real estate investor podcast? Book a free consultation to discuss.

How Much Down Payment for Investment Property?

Check out the video of this class here:

https://realestatefinancialplanner.com/how-much-down-payment-for-investment-property/

In this special mini-class for the Real Estate Financial Planner™ coaching program James covers:

• The two primary groups of loans for real estate investors...
• How much down payment for an investment property?
• Which loans are good for Nomads™ and house hackers in Eugene?
• The no money down real estate investor loan options.
• What's interesting about hard money loans, private loans and creative financing?
• Plus more...

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:

https://RealEstateFinancialPlanner.com/spreadsheet

Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.

Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Eugene real estate investor podcast? Book a free consultation to discuss.

What does a real estate agent do when you're buying a rental property? What are you use responsbible for? What do each of your other dream team members do?

In this special mini-class for the Real Estate Financial Planner™ coaching program James covers:

• What's the difference between a real estate agent, broker and Realtor?
• A word on local variation from market to market and how to find out exactly what is different in your market.
• The key roles and responsbilities when buying a rental property and who does what with an emphasis on what your real estate agent does.
• A list of additional things you should be concerned on that your real estate agent probably won't do, but that you should do as the owner of a real estate investing business.

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:

https://RealEstateFinancialPlanner.com/spreadsheet

Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.

Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Eugene real estate investor podcast? Book a free consultation to discuss.