Portfolio Loans 101 for Real Estate Investors

Most real estate investors initially use conventional financing options to acquire their rental property portfolio. However, when they hit the limit of conventional loans they can obtain, they may switch to portfolio loan products to continue acquiring properties. Additionally, when doing certain types of partnerships, it may be beneficial to consider portfolio loans.

In this mini-class, James covers the basics of portfolio mortgage financing for real estate investors.

Check out the video from this class here:

Portfolio Loans 101 for Real Estate Investors - 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 Oxnard real estate investor podcast? Book a free consultation to discuss.

Conventional Financing 101 for Real Estate Investors

While about one-third of real estate transactions are all-cash, the majority of real estate investors use conventional financing options to acquire their rental properties. Even new investors often desire to utilize creative financing strategies, but it's important to have a foundational understanding of conventional financing.

In this mini-class, James will cover the basics of conventional financing for real estate investors.

Check out the video from this class here:

Conventional Financing 101 for Real Estate Investors - 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 Oxnard real estate investor podcast? Book a free consultation to discuss.

Improving Cash Flow on Rental Properties as a Landlord

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 of the best are ones you apply as a landlord managing your rental property. This mini-class covers the cash flow improving strategies when you’re a landlord.

Check out the video of this class here:

Improving Cash Flow on Rental Properties as a Landlord - Video Recording

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

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

Low Down Payment Financing Options for Real Estate Investors

Real estate investors often believe that minimizing their down payment leads to higher returns. This is partly true since a lower down payment means higher leverage, which amplifies returns. However, returns can be amplified both positively (when returns are positive) and negatively (when returns are negative or things don't go as planned).

Although there may be additional low-down creative financing options available, there are a few traditional financing options that require a "low down payment." In this mini-class, we will cover these options.

Check out the video from this class here:

Low Down Payment Financing Options for Real Estate Investors - 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 Oxnard real estate investor podcast? Book a free consultation to discuss.

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 Oxnard specific, detailed analysis of a variety of strategies here:

https://RealEstateFinancialPlanner.com/model/CA/Oxnard/

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 Oxnard 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:

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 Oxnard 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:

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 Oxnard 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:

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 Oxnard 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 Oxnard specific, detailed analysis of a variety of strategies here:

https://RealEstateFinancialPlanner.com/model/CA/Oxnard/

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 Oxnard 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:

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