Gresham Real Estate Investing & Real Estate Financial Planning™ Podcast

How to Analyze a 5% Down Single-Family Nomad™ Property in Gresham

Using the latest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™, we will walk through how to analyze a single-family home Nomad™ property with a 5% down payment.

Learn how to analyze deals correctly and avoid buying cash flow vampires. Only buy the best deals that make sense in this special mini-class, which is part of our deal analysis series.

Check out the video from this class here:

How to Analyze a 5% Down Single-Family Nomad™ Property - Video

Or, check out the deal analysis example for Gresham, Oregon:

Deal Analysis for Gresham 5% Down Single-Family Home Nomad™ Property

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 Gresham real estate investor podcast? Book a free consultation to discuss.

What Affects Your PMI Rate

Lenders prefer that you put at least 20% down, but if you push hard enough, many will allow you to put less than 20% down if you're willing to purchase insurance to protect them in case you default. This insurance is called Private Mortgage Insurance.

The cost of this insurance depends on several factors. Some are primary factors and have a significant impact on the cost of the insurance policy. Other factors are secondary and affect the premium, but only to a smaller extent.

In this mini-class, James will go over the things that affect your private mortgage insurance rate if you decide to put less than 20% down when buying properties.

Check out the video from this class here:

What Affects Your PMI Rate - Video

In this class, James discusses:

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 Gresham real estate investor podcast? Book a free consultation to discuss.

You're a real estate investor looking to acquire properties by saving up and putting 25% down. Should you buy an owner-occupied property first? What if that's more expensive than renting? Should you still do it? What if it means you'll be saving less for acquiring rentals by buying an owner-occupied property first?

In this comparison class, we will put buying 25% down rentals in a head-to-head competition... We will analyze 304 real estate markets and see if you can achieve financial independence faster by buying an owner-occupied property first. We'll also look at your net worth and see if buying an owner-occupied property or renting leads to a higher overall net worth.

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

https://RealEstateFinancialPlanner.com/model/25-rent-oo/

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

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

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 Gresham real estate investor podcast? Book a free consultation to discuss.

Deal Alchemy™ - Lease-Options

Different real estate investors desire, prefer, and prioritize different returns. For example, many real estate investors have a strong preference for the cash flow part of their return.

With Deal Alchemy™, we can manipulate returns and move them from one area to another. Or, we can move them from one or more areas to one or more other areas.

For example, using Deal Alchemy™, we can sometimes manipulate the appreciation return in exchange for better cash flow.

In this mini-class, James will talk about how to use Deal Alchemy™ with a lease-option deal to manipulate returns from appreciation to cash flow, plus much more.

Check out the video from this class here:

Deal Alchemy™ - Lease-Options - Video

In this class, James discusses:

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 Gresham real estate investor podcast? Book a free consultation to discuss.

Warning - Insurable Risks When Investing in Real Estate

Life has risks. Real estate investing in Gresham adds some additional risks.

Some of these risks can be shifted from your responsibility to the responsibility of a third party for a fee.

This is often described as insurance. You choose to pay someone else to take on a risk you don't want to take on yourself.

In this mini-class, James will go over a variety of insurable risks that real estate investors experience and how to mitigate or eliminate them.

Check out the video from this class here:

Warning - Insurable Risks When Investing in Real Estate - Video

In this class, James discusses:

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 Gresham real estate investor podcast? Book a free consultation to discuss.

How to Analyze a 20% Down Single-Family Home Rental

Using the latest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™, we will walk through how to analyze a single-family home rental property with a 20% down payment.

Learn how to analyze deals correctly and avoid buying cash flow vampires. Only buy the best deals that make sense in this special mini-class, which is part of our deal analysis series.

Check out the video from this class here:

How to Analyze a 20% Down Single-Family Home Rental - Video

Or, check out the deal analysis example for Gresham, Oregon:

Deal Analysis for Gresham 20% Down Single-Family Home Rental Property

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 Gresham real estate investor podcast? Book a free consultation to discuss.

What is PMI And How to Avoid It

You want to work with a lender so that you don't need to purchase a property with all cash. The lender is willing to lend you money, charging you interest to make a profit, and ensuring there is a safety buffer of equity in case you default and they need to foreclose to recover their funds.

Your goal is to minimize the amount you need to invest in the deal to maximize your return on investment, but the lender requires a minimum down payment of 20% to feel secure in loaning you the money in case you default and they need to foreclose to recover the property and their money.

You insist on putting down less than 20%.

Reluctantly, they agree to let you put less than 20% down, but only if you purchase third-party insurance to protect them in case of default. You agree.

The third-party insurance company is offering private mortgage insurance (PMI), which is insurance you pay to protect the lender in case you default because you put down less than 20%.

In this mini-class, we will look at PMI, what it is, and how you can avoid it as a real estate investor.

Check out the video from this class here:

What is PMI And How to Avoid It - Video

In this class, James discusses:

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 Gresham real estate investor podcast? Book a free consultation to discuss.

Should you use the Nomad™ strategy to acquire properties with a minimal 5% down payment as quickly as possible? Or is it better to be a little more patient and save up for full 25% down payments and buy rentals without moving into each?

By saving up for a 25% down payment, the properties will cash flow better. That may allow you to save up faster for subsequent properties and maybe... just maybe... ultimately be able to buy properties faster.

If you're buying properties with a 5% down payment, there's a chance they could have negative cash flow—or what we often refer to as deferred down payment. Deferred down payments mean that it is slower to save up for the next property purchase. This could ultimately slow down how fast you can acquire properties.

Of these two strategies—25% down payment rentals or 5% down Nomad™—which will lead to the fastest path to financial independence? Which leads to the highest net worth? Which has the least amount of risk?

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

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

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

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

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 Gresham real estate investor podcast? Book a free consultation to discuss.

Improving Cash Flow on Rental Properties by Improving the Property

When real estate prices, mortgage interest rates, and rent rates are high, it can be more challenging 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 some significant ones that you can apply by making improvements to your rental property. This mini-class covers the cash flow improving strategies that you may make by improving the property.

Check out the video from this class here:

Improving Cash Flow on Rental Properties by Improving the Property - Video

In this class, James discusses:

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 Gresham real estate investor podcast? Book a free consultation to discuss.

Refinancing Rental Property Tips

There are many flavors of refinancing rental properties: cash-out refinances, cash-in refinances, rate and term refinances, and recasting loans.

Understanding each one, when you might want to use them in your real estate investing, the general rules and guidelines for using them, and the impact of each are all important bits of knowledge you should have as a real estate investor.

In this mini-class, James will cover some tips for refinancing rental properties.

Check out the video from this class here:

Refinancing Rental Property Tips - Video

In this class, James discusses:

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 Gresham real estate investor podcast? Book a free consultation to discuss.