Having tenants poses a fair amount of risk to your real estate investment. In this episode we share ways you can get ahead of potential issues to help protect that investment (hint: planning, preparation and routine maintenance are key). We share stories of s**t that can go wrong when you have tenants and give you ideas on how you can prepare for that to limit your exposure and out of pocket expenditure. 

We made a podcast! The Laddercast is geared towards helping women get into real estate. We believe there is power in homeownership and have seen firsthand the the amazing changes that can happen when you buy JUST ONE HOME. Follow along with us as we tell you our stories of buying our first houses, next houses, investment properties and give you all the tips and tricks you need to know when considering getting on the Property Ladder. 

The Laddercast hosts are real estate owners and industry professionals in Portland, Oregon: 

• Sorcha Porter, an Oregon Licensed Real Estate Agent, sold a primary residence for a profit and used that gain to change her life's trajectory and travel the world.
  
  
• Shannon McAlister, a nationally licensed mortgage lender, NMLS 885982, learned how to do mortgages from an investor who owned 50+ properties; she now owns investment property and teaches other people how to become successful real estate owners.

Have questions, want more information, or want to work with us? Reach out to us at https://theladdercast.com/

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The views and opinions expressed in this podcast are solely those of the Podcast authors, hosts or guests of the Podcast. The thoughts and topics shared on this Podcast are intended to be informational and a helpful tool for you to start thinking about how to invest in real estate. There is no one right or wrong way to be a real estate investor. In no way do the thoughts, ideas or recommendations in this Podcast constitute professional consultation or legal advice. Do your research, consult with professionals and make sound choices based on facts and data.  

Everything you are about to hear on this podcast are our the thoughts and opinions. They do not constitute a pre-approval, legal advice or realtor/client advice. We’re simply here to provide information and education to get you thinking about what getting on the Property Ladder could do for you and ways in which you might consider doing that. If you do want to become a client of ours, feel free to contact us through our website to start that process.  

Sorcha Porter with Tiny Empire Group at Living Room Realty, License #201244211

Shannon McAlister, ENG Lending, NMLS 885982

Home maintenance can be daunting. There is always something to do. With winter coming, there are a few things that you should absolutely not neglect. Keeping up with these 4 main areas in your home will help protect your investment and save you big maintenance and repair issues down the road.

Thank you to our partner this episode, ChipDrop. ChipDrop helps gardeners get free wood chip mulch and helps arborists find cheap, local sites to drop their wood chips and logs. But we all know it's more than that. ChipDrop is keeping valuable biomass in the community rather than sending it to the landfill. We're helping people grow food. We're helping small businesses keep their margins and stay in the black. We're supporting micro-organism communities, we're building soil and keeping homes warm with firewood, providing workouts, I mean, it's limitless!

Click here to schedule your ChipDrop today.  

We made a podcast! The Laddercast is geared towards helping women get into real estate. We believe there is power in homeownership and have seen firsthand the the amazing changes that can happen when you buy JUST ONE HOME. Follow along with us as we tell you our stories of buying our first houses, next houses, investment properties and give you all the tips and tricks you need to know when considering getting on the Property Ladder. 

The Laddercast hosts are real estate owners and industry professionals in Portland, Oregon: 

• Sorcha Porter, an Oregon Licensed Real Estate Agent, sold a primary residence for a profit and used that gain to change her life's trajectory and travel the world.
  
  
• Shannon McAlister, a nationally licensed mortgage lender, NMLS 885982, learned how to do mortgages from an investor who owned 50+ properties; she now owns investment property and teaches other people how to become successful real estate owners.

Have questions, want more information, or want to work with us? Reach out to us at https://theladdercast.com/

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The views and opinions expressed in this podcast are solely those of the Podcast authors, hosts or guests of the Podcast. The thoughts and topics shared on this Podcast are intended to be informational and a helpful tool for you to start thinking about how to invest in real estate. There is no one right or wrong way to be a real estate investor. In no way do the thoughts, ideas or recommendations in this Podcast constitute professional consultation or legal advice. Do your research, consult with professionals and make sound choices based on facts and data.  

Everything you are about to hear on this podcast are our the thoughts and opinions. They do not constitute a pre-approval, legal advice or realtor/client advice. We’re simply here to provide information and education to get you thinking about what getting on the Property Ladder could do for you and ways in which you might consider doing that. If you do want to become a client of ours, feel free to contact us through our website to start that process.  

Sorcha Porter with Tiny Empire Group at Living Room Realty, License #201244211

Shannon McAlister, ENG Lending, NMLS 885982

Investing in multi-unit properties is about to become more affordable. Fannie Mae is about to reduce the down payment required on 2-4 unit properties. In this episode, we cover the details, when it starts and who this is and isn't for. If you've considered purchasing a multi-unit property, this is your chance to get in with minimal down. Let us help you do that! 

Even Grant Cardone is excited about it:  https://www.youtube.com/watch?v=WsR9tHZ0unc  

We made a podcast! The Laddercast is geared towards helping women get into real estate. We believe there is power in homeownership and have seen firsthand the the amazing changes that can happen when you buy JUST ONE HOME. Follow along with us as we tell you our stories of buying our first houses, next houses, investment properties and give you all the tips and tricks you need to know when considering getting on the Property Ladder. 

The Laddercast hosts are real estate owners and industry professionals in Portland, Oregon: 

• Sorcha Porter, an Oregon Licensed Real Estate Agent, sold a primary residence for a profit and used that gain to change her life's trajectory and travel the world.
  
  
• Shannon McAlister, a nationally licensed mortgage lender, NMLS 885982, learned how to do mortgages from an investor who owned 50+ properties; she now owns investment property and teaches other people how to become successful real estate owners.

Have questions, want more information, or want to work with us? Reach out to us at https://theladdercast.com/

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The views and opinions expressed in this podcast are solely those of the Podcast authors, hosts or guests of the Podcast. The thoughts and topics shared on this Podcast are intended to be informational and a helpful tool for you to start thinking about how to invest in real estate. There is no one right or wrong way to be a real estate investor. In no way do the thoughts, ideas or recommendations in this Podcast constitute professional consultation or legal advice. Do your research, consult with professionals and make sound choices based on facts and data.  

Everything you are about to hear on this podcast are our the thoughts and opinions. They do not constitute a pre-approval, legal advice or realtor/client advice. We’re simply here to provide information and education to get you thinking about what getting on the Property Ladder could do for you and ways in which you might consider doing that. If you do want to become a client of ours, feel free to contact us through our website to start that process.  

Sorcha Porter with Tiny Empire Group at Living Room Realty, License #201244211

Shannon McAlister, ENG Lending, NMLS 885982

TLDR: don't go to RocketMortgage.  

In this episode we cover how to shop for your mortgage lender and mortgage. It's OK to shop to find your people. In this market, mortgage lenders are getting very competitive trying to win deals. How do you wade through that and make the right choice? We help you sort through that. 

We made a podcast! The Laddercast is geared towards helping women get into real estate. We believe there is power in homeownership and have seen firsthand the the amazing changes that can happen when you buy JUST ONE HOME. Follow along with us as we tell you our stories of buying our first houses, next houses, investment properties and give you all the tips and tricks you need to know when considering getting on the Property Ladder. 

The Laddercast hosts are real estate owners and industry professionals in Portland, Oregon: 

• Sorcha Porter, an Oregon Licensed Real Estate Agent, sold a primary residence for a profit and used that gain to change her life's trajectory and travel the world.
  
  
• Shannon McAlister, a nationally licensed mortgage lender, NMLS 885982, learned how to do mortgages from an investor who owned 50+ properties; she now owns investment property and teaches other people how to become successful real estate owners.

Have questions, want more information, or want to work with us? Reach out to us at https://theladdercast.com/

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The views and opinions expressed in this podcast are solely those of the Podcast authors, hosts or guests of the Podcast. The thoughts and topics shared on this Podcast are intended to be informational and a helpful tool for you to start thinking about how to invest in real estate. There is no one right or wrong way to be a real estate investor. In no way do the thoughts, ideas or recommendations in this Podcast constitute professional consultation or legal advice. Do your research, consult with professionals and make sound choices based on facts and data.  

Everything you are about to hear on this podcast are our the thoughts and opinions. They do not constitute a pre-approval, legal advice or realtor/client advice. We’re simply here to provide information and education to get you thinking about what getting on the Property Ladder could do for you and ways in which you might consider doing that. If you do want to become a client of ours, feel free to contact us through our website to start that process.  

Sorcha Porter with Tiny Empire Group at Living Room Realty, License #201244211

Shannon McAlister, ENG Lending, NMLS 885982

Can you purchase an investment property without verification of personal income? You sure can. A DSCR (Debt Service Coverage Ratio) Loan is the answer. Join us to learn what a DSCR loan is, who it's for and the other things you need to consider before choosing one. They are a great tool to purchase investment properties based on the cashflow of the property. 

We made a podcast! The Laddercast is geared towards helping women get into real estate. We believe there is power in homeownership and have seen firsthand the the amazing changes that can happen when you buy JUST ONE HOME. Follow along with us as we tell you our stories of buying our first houses, next houses, investment properties and give you all the tips and tricks you need to know when considering getting on the Property Ladder. 

The Laddercast hosts are real estate owners and industry professionals in Portland, Oregon: 

• Sorcha Porter, an Oregon Licensed Real Estate Agent, sold a primary residence for a profit and used that gain to change her life's trajectory and travel the world.
  
  
• Shannon McAlister, a nationally licensed mortgage lender, NMLS 885982, learned how to do mortgages from an investor who owned 50+ properties; she now owns investment property and teaches other people how to become successful real estate owners.

Have questions, want more information, or want to work with us? Reach out to us at https://theladdercast.com/

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The views and opinions expressed in this podcast are solely those of the Podcast authors, hosts or guests of the Podcast. The thoughts and topics shared on this Podcast are intended to be informational and a helpful tool for you to start thinking about how to invest in real estate. There is no one right or wrong way to be a real estate investor. In no way do the thoughts, ideas or recommendations in this Podcast constitute professional consultation or legal advice. Do your research, consult with professionals and make sound choices based on facts and data.  

Everything you are about to hear on this podcast are our the thoughts and opinions. They do not constitute a pre-approval, legal advice or realtor/client advice. We’re simply here to provide information and education to get you thinking about what getting on the Property Ladder could do for you and ways in which you might consider doing that. If you do want to become a client of ours, feel free to contact us through our website to start that process.  

Sorcha Porter with Tiny Empire Group at Living Room Realty, License #201244211

Shannon McAlister, ENG Lending, NMLS 885982

https://theladdercast.com/

In this episode we discuss if and how short-term rentals are impacting Portland's housing supply and housing costs. There are many mixed feelings out there about the impact of short-term rentals like Airbnb. Sorcha set about to look at the numbers specific to Portland, OR to see if she could find a measurable impact. 

We made a podcast! The Laddercast is geared towards helping women get into real estate. We believe there is power in homeownership and have seen firsthand the the amazing changes that can happen when you buy JUST ONE HOME. Follow along with us as we tell you our stories of buying our first houses, next houses, investment properties and give you all the tips and tricks you need to know when considering getting on the Property Ladder. 

The Laddercast hosts are real estate owners and industry professionals in Portland, Oregon: 

• Sorcha Porter, an Oregon Licensed Real Estate Agent, sold a primary residence for a profit and used that gain to change her life's trajectory and travel the world.
  
  
• Shannon McAlister, a nationally licensed mortgage lender, NMLS 885982, learned how to do mortgages from an investor who owned 50+ properties; she now owns investment property and teaches other people how to become successful real estate owners.

Have questions, want more information, or want to work with us? Reach out to us at https://theladdercast.com/

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The views and opinions expressed in this podcast are solely those of the Podcast authors, hosts or guests of the Podcast. The thoughts and topics shared on this Podcast are intended to be informational and a helpful tool for you to start thinking about how to invest in real estate. There is no one right or wrong way to be a real estate investor. In no way do the thoughts, ideas or recommendations in this Podcast constitute professional consultation or legal advice. Do your research, consult with professionals and make sound choices based on facts and data.  

Everything you are about to hear on this podcast are our the thoughts and opinions. They do not constitute a pre-approval, legal advice or realtor/client advice. We’re simply here to provide information and education to get you thinking about what getting on the Property Ladder could do for you and ways in which you might consider doing that. If you do want to become a client of ours, feel free to contact us through our website to start that process.  

Sorcha Porter with Tiny Empire Group at Living Room Realty, License #201244211

Shannon McAlister, ENG Lending, NMLS 885982

https://theladdercast.com/

Interest rates are a little higher than we're used to and it's making some people rethink purchasing a home. What if you could negotiate a lower rate paid by the seller? Sorcha and Shannon take you through the magical 2/1 Buydown. Learn how you can lower your interest rate by 2% in the first year of your mortgage to help you get into your first investment property. We go over a real life example of a 2/1 client and how he used that to save $650/mo on his first duplex. 

The Laddercast hosts are real estate owners and industry professionals in Portland, Oregon: 

• Sorcha Porter, an Oregon Licensed Real Estate Agent, sold a primary residence for a profit and used that gain to change her life's trajectory and travel the world.
  
  
• Shannon McAlister, a nationally licensed mortgage lender, NMLS 885982, learned how to do mortgages from an investor who owned 50+ properties; she now owns investment property and teaches other people how to become successful real estate owners.

We made a podcast! The Laddercast is geared towards helping women get into real estate. We believe there is power in homeownership and have seen firsthand the the amazing changes that can happen when you buy JUST ONE HOME. Follow along with us as we tell you our stories of buying our first houses, next houses, investment properties and give you all the tips and tricks you need to know when considering getting on the Property Ladder. 

We will explore the many different paths, ways and journeys people take to getting on the Property Ladder.

Have questions, want more information, or want to work with us? Reach out to us at https://theladdercast.com/

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The views and opinions expressed in this podcast are solely those of the Podcast authors, hosts or guests of the Podcast. The thoughts and topics shared on this Podcast are intended to be informational and a helpful tool for you to start thinking about how to invest in real estate. There is no one right or wrong way to be a real estate investor. In no way do the thoughts, ideas or recommendations in this Podcast constitute professional consultation or legal advice. Do your research, consult with professionals and make sound choices based on facts and data.  

Everything you are about to hear on this podcast are our the thoughts and opinions. They do not constitute a pre-approval, legal advice or realtor/client advice. We’re simply here to provide information and education to get you thinking about what getting on the Property Ladder could do for you and ways in which you might consider doing that. If you do want to become a client of ours, feel free to contact us through our website to start that process.  

Sorcha Porter with Tiny Empire Group at Living Room Realty, License #201244211

Shannon McAlister, ENG Lending, NMLS 885982

https://theladdercast.com/

Considering buying a home in Portland, OR? We got you. This episode covers the top 5 neighborhoods in Portland that first time home buyers should consider in Summer 2023. Portland Realtor Sorcha Porter describes each, gives you the ins and outs and tells you what you can expect price-wise this year. Join us in Keeping Portland Weird! 

The Laddercast hosts are real estate owners and industry professionals in Portland, Oregon: 

• Sorcha Porter, an Oregon Licensed Real Estate Agent, sold a primary residence for a profit and used that gain to change her life's trajectory and travel the world.
  
  
• Shannon McAlister, a nationally licensed mortgage lender, NMLS 885982, learned how to do mortgages from an investor who owned 50+ properties; she now owns investment property and teaches other people how to become successful real estate owners.

We made a podcast! The Laddercast is geared towards helping women get into real estate. We believe there is power in homeownership and have seen firsthand the the amazing changes that can happen when you buy JUST ONE HOME. Follow along with us as we tell you our stories of buying our first houses, next houses, investment properties and give you all the tips and tricks you need to know when considering getting on the Property Ladder. 

We will explore the many different paths, ways and journeys people take to getting on the Property Ladder.

Have questions, want more information, or want to work with us? Reach out to us at https://theladdercast.com/

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The views and opinions expressed in this podcast are solely those of the Podcast authors, hosts or guests of the Podcast. The thoughts and topics shared on this Podcast are intended to be informational and a helpful tool for you to start thinking about how to invest in real estate. There is no one right or wrong way to be a real estate investor. In no way do the thoughts, ideas or recommendations in this Podcast constitute professional consultation or legal advice. Do your research, consult with professionals and make sound choices based on facts and data.  

Everything you are about to hear on this podcast are our the thoughts and opinions. They do not constitute a pre-approval, legal advice or realtor/client advice. We’re simply here to provide information and education to get you thinking about what getting on the Property Ladder could do for you and ways in which you might consider doing that. If you do want to become a client of ours, feel free to contact us through our website to start that process.  

Sorcha Porter with Tiny Empire Group at Living Room Realty, License #201244211

Shannon McAlister, ENG Lending, NMLS 885982

https://theladdercast.com/

In this episode we cover everything you need to know about the zero down payment VA home loan including what it's used for,  gotchas you need to be watching for and how you can use it to kick off building a real estate portfolio. We share a case study of our client who used his VA benefit to help build a portfolio of 3 properties (with 5 units total) by the age of 32. We also share about how a current service member used her VA loan benefit to get into a home with zero down and have her mortgage payment covered by her BAH (military housing allowance).

If you are a current or former service member and have questions about how the VA loan works or what your eligibility status is, don't hesitate to reach out. We're happy to help! https://theladdercast.com/ 

The Laddercast hosts are real estate owners and industry professionals in Portland, Oregon: 

• Sorcha Porter, an Oregon Licensed Real Estate Agent, sold a primary residence for a profit and used that gain to change her life's trajectory and travel the world.
  
  
• Shannon McAlister, a nationally licensed mortgage lender, NMLS 885982, learned how to do mortgages from an investor who owned 50+ properties; she now owns investment property and teaches other people how to become successful real estate owners.

We made a podcast! The Laddercast is geared towards helping women get into real estate. We believe there is power in homeownership and have seen firsthand the the amazing changes that can happen when you buy JUST ONE HOME. Follow along with us as we tell you our stories of buying our first houses, next houses, investment properties and give you all the tips and tricks you need to know when considering getting on the Property Ladder. 

We will explore the many different paths, ways and journeys people take to getting on the Property Ladder.

Have questions, want more information, or want to work with us? Reach out to us at https://theladdercast.com/

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The views and opinions expressed in this podcast are solely those of the Podcast authors, hosts or guests of the Podcast. The thoughts and topics shared on this Podcast are intended to be informational and a helpful tool for you to start thinking about how to invest in real estate. There is no one right or wrong way to be a real estate investor. In no way do the thoughts, ideas or recommendations in this Podcast constitute professional consultation or legal advice. Do your research, consult with professionals and make sound choices based on facts and data.  

Everything you are about to hear on this podcast are our the thoughts and opinions. They do not constitute a pre-approval, legal advice or realtor/client advice. We’re simply here to provide information and education to get you thinking about what getting on the Property Ladder could do for you and ways in which you might consider doing that. If you do want to become a client of ours, feel free to contact us through our website to start that process.  

Sorcha Porter with Tiny Empire Group at Living Room Realty, License #201244211

Shannon McAlister, ENG Lending, NMLS 885982

https://theladdercast.com/

Does your yard need some love? In this episode, we cover 10 great resources to beautify your home without breaking the bank. You just spent all your money buying your home, and then they expect you to buy a lawn mower, too? We'll teach you a few tips and tricks to get you going on those home improvements. We cover items such as Chip Drop and tool libraries to get you going on making your home shine. 

The Laddercast hosts are real estate owners and industry professionals in Portland, Oregon: 

• Sorcha Porter, an Oregon Licensed Real Estate Agent, sold a primary residence for a profit and used that gain to change her life's trajectory and travel the world.
  
  
• Shannon McAlister, a nationally licensed mortgage lender, NMLS 885982, learned how to do mortgages from an investor who owned 50+ properties; she now owns investment property and teaches other people how to become successful real estate owners.

We made a podcast! The Laddercast is geared towards helping women get into real estate. We believe there is power in homeownership and have seen firsthand the the amazing changes that can happen when you buy JUST ONE HOME. Follow along with us as we tell you our stories of buying our first houses, next houses, investment properties and give you all the tips and tricks you need to know when considering getting on the Property Ladder. 

We will explore the many different paths, ways and journeys people take to getting on the Property Ladder.

Have questions, want more information, or want to work with us? Reach out to us at https://theladdercast.com/

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The views and opinions expressed in this podcast are solely those of the Podcast authors, hosts or guests of the Podcast. The thoughts and topics shared on this Podcast are intended to be informational and a helpful tool for you to start thinking about how to invest in real estate. There is no one right or wrong way to be a real estate investor. In no way do the thoughts, ideas or recommendations in this Podcast constitute professional consultation or legal advice. Do your research, consult with professionals and make sound choices based on facts and data.  

Everything you are about to hear on this podcast are our the thoughts and opinions. They do not constitute a pre-approval, legal advice or realtor/client advice. We’re simply here to provide information and education to get you thinking about what getting on the Property Ladder could do for you and ways in which you might consider doing that. If you do want to become a client of ours, feel free to contact us through our website to start that process.  

Sorcha Porter with Tiny Empire Group at Living Room Realty, License #201244211

Shannon McAlister, ENG Lending, NMLS 885982

https://theladdercast.com/