Should I Put 15% or 20% Down When Buying a Rental Property? In a real estate market that has seen significant increases in property prices and rapidly rising mortgage interest rates, it can be harder than ever to obtain decent cash flow. However, many real estate investors are tempted to minimize their down payments to optimize their overall returns by investing as little as possible in the deal. A debate looms regarding whether a 15% or 20% down payment is preferable when purchasing an investment property. In this mini-class, James will guide you through a method for approaching this classic problem and provide some mathematical reasoning to help you reach a rational solution once and for all. Check out the video from this class here: Should I Put 15% or 20% Down When Buying a Rental Property? - Video In this class, James discusses: Comparing various loan programsGetting mortgage interest rates and private mortgage insurance from your lenderHow to compare two differnet loan programs... using the example of 15% down versus 20% down when buying a rentalCalculating the return on the extra down payment for yourself on your own deals Download the Loan Comparison SpreadsheetPlus 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/spreadsheetImprove 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 Portland real estate investor podcast? Book a free consultation to discuss.

Use this special budget spreadsheet to model changes in your situation like buying an owner-occupant property, buying rental properties, getting married or divorced or remarried, retiring and much much more. The spreadsheet allows you to create 6 variations to your budgets for different seasons of your life to easily see how that impacts what you need to have to be financially independent. Download the spreadsheet: https://refp.info/soml 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/spreadsheetImprove 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 Portland real estate investor podcast? Book a free consultation to discuss.

Loan Comparison Spreadsheet for Real Estate Investors Sometimes it can be helpful to compare various loan programs and options simultaneously. For example, it could be useful to compare the monthly payment differences between various "nothing down," "low down," and full-size down payment options when buying a rental property. Visually seeing a chart comparing the monthly payments of your choices of loans can assist you in making better decisions. If you had a spreadsheet to easily compare a variety of loan programs at the same time, it would be even more helpful. In this mini-class, James will share with you a loan comparison spreadsheet that allows you to easily compare all of the most common traditional financing options for real estate investors. Check out the video from this class here: Loan Comparison Spreadsheet for Real Estate Investors - Video In this class, James discusses: Comparing various loan programsGetting mortgage interest rates and private mortgage insurance from your lenderOptimizing cash flow by minimizing monthly loan expensesCommon loan differences between owner-occupant loans for investors utilizing Nomad™ and House Hacker strategiesCommon loan differences for non-owner-occupant loansDownload the Loan Comparison SpreadsheetPlus 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/spreadsheetImprove 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 Portland real estate investor podcast? Book a free consultation to discuss.

Buying Down Mortgage Interest Rates for Real Estate Investors There are several ways to improve cash flow on your rental properties. One option is to put more money down to reduce the amount you borrow. In some cases, this can also improve your interest rate by lowering your overall loan-to-value. However, when comparing putting more money down to buying down the mortgage interest rate, it is usually better to buy down the interest rate for any reasonable holding period. This is true from both a return on investment and improved cash flow perspective. Learn more about buying down your interest rate in this mini-class. Check out the video from this class here: Buying Down Mortgage Interest Rates for Real Estate Investors - Video In this class, James discusses: Buying down mortgage interest rates when buying a rental propertyImproving cash flow by buying down your rateYou can choose your interest rate by how much you're willing to pay or receive as a credit toward closing costsRate changes for the life of the loanWhat's a point and how do they work?What's par rate and why it is critically important to seek clarity from your lender when they quote you a rate?What can you do with extra money when buying a rental property?Comparing more down payment to buying down your interest rateRequesting a buy down table from your lender (and what they look like)Plugging numbers into the buy down spreadsheetLooking at the cost difference when buying down your rates to various levelsSelecting where to buy down toSimple and compound return on investment calculations done for youPutting more down improves cash flow in 3 important waysComparing more down payment to buying down interest rates (not just cash flow... cash flow and equity)Temporary solution to buying down rate or pre-paying PMIDownload the Mortgage Buy Down SpreadsheetPlus 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/spreadsheetImprove 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 Portland real estate investor podcast? Book a free consultation to discuss.

Other Financing Options for Real Estate Investors In the last several classes, we covered a variety of traditional financing options, including nothing-down financing, low down payment financing, conventional financing, and portfolio loans. These options represent the overwhelming majority of financing options used when purchasing properties. However, there are a handful of financing options that are used infrequently, but it's still important to be aware of them. In this mini-class, we will discuss these other financing options, including private money, hard money, utilizing partners for financing, home equity lines of credit, owner financing, life insurance, self-directed retirement accounts, subject to and wrap financing, lease-options/lease-purchases, and foregoing financing to pay cash. Check out the video from this class here: Other Financing Options for Real Estate Investors - Video In this class, James discusses: Primary financing types that make up 90%+ of all loansCreative financing: owner financing, wrap financing, lease-options/lease-purhcases, loan assumption, subject to, etcPrivate financingHard moneyLine of credit (HELOCs)Buying properties for cashPartnerships (utilizing all the other strategies)Portfolio loansLife insuranceSelf-directed retirement accountsPlus 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/spreadsheetImprove 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 Portland real estate investor podcast? Book a free consultation to discuss.

Home prices are up a lot over the last 10 years or so, interest rates are up even more in the last 18 months or so, and—while rents are up—they’re not up enough to counteract the higher prices and interest rates. That makes cash flow harder... but not for Ryan and his strategy... We discuss this method of improving cash flow under "Improve Strategy" when we discuss our 88 cash flow improving strategies, but Ryan really drives home just how amazing it is. Check out the interview and his website. 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/spreadsheetImprove 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 Portland real estate investor podcast? Book a free consultation to discuss.

Prices have gone up rapidly in the last few years. And, interest rates are much higher. And even though rents are up, they’re not up enough to counteract the much higher prices and much higher interest rates. That makes it harder to achieve good cash flow with a reasonable down payment. One way to overcome the impact of higher interest rates is to not use loans to buy rental properties. In this comparison mini-class James will compare the Nomad™ real estate investing strategy to taking the significantly longer extra time to save up and buy rental properties for cash. With the Nomad™ strategy, James will have you put 5% down and buy an owner-occupant property that you live in for at least a year until you’ve saved up the next 5% down payment plus closing costs and reserves. Then, buy another 5% down payment owner-occupant property and move into the new property. Convert the previous property to a rental. Repeat this process until you’ve acquired 10 properties total—9 of them rental properties you purchased with 5% down payments. When buying properties for cash, you’ll still buy your first property with 5% down payment and move in. But, after that, you’ll take the significantly longer time to save up 100% to buy a rental property all cash. And, free and clear properties without loans have much, much better cash flow than properties financing with 5% down. But, it takes a lot longer to save up to buy the first property. Keep saving until you buy up to 9 rentals all cash. Which strategy will get you to financial independence fastest? Which will get you the highest net worth? Which is riskiest? We will analyze this comparison for 305 US cities. Check out the video and interactive charts from this class here: https://RealEstateFinancialPlanner.com/model/nomad-versus-1-oo-then-9-all-cash/ Or, see Portland specific, detailed analysis of a variety of strategies here: https://RealEstateFinancialPlanner.com/model/ME/Portland/ 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/spreadsheetImprove 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 Portland real estate investor podcast? Book a free consultation to discuss.

The Importance of Loan Planning for Real Estate Investors Real estate investing is a little like the game of Chess. You can play the game with an elementary understanding of the basic rules. But, you soon learn that just knowing how the pieces move about the board are the table stakes for being able to sit at the game board. If you want to do well, you need to start thinking about the consequences of your actions. And, not just the consequences of your actions for the immediate next move, but the consequences for moves multiple turns into the future. The same applies to real estate investing... you need to be thinking not just about the deal analysis and loan of the property right in front of you; that’s table stakes. You need to be thinking about what the consequences are for that property far off into the future and, if you’re good, for multiple properties and multiple loans into the future. That’s why loan planning is so important and why we’ll cover it in detail in this mini-class. Check out the video from this class here: The Importance of Loan Planning for Real Estate Investors - Video In this class, James discusses: The 10 loan limit from Fannie Mae and Freddie Mac for purchasing non-owner-occupant investment propertiesWhy are these loans important to real estate investorsWhat do you use after you reach the limit?Why is it important to optimize these 10 loan spots?What are some exceptions to the 10 loan rule?A strategy to double your loan spotsThe Nomad™ preferred loan planPlus 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/spreadsheetImprove 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 Portland real estate investor podcast? Book a free consultation to discuss.

Hard Money and Private Money for Real Estate Investors Certain real estate investing strategies suggest certain types of financing. For example, most long-term buy-and-hold real estate investors purchasing non-owner-occupant properties will opt for 30-year fixed rate conventional financing or commercial loans. House hackers and Nomads™ will often seek out low or zero down VA, USDA, FHA, and conventional financing options. However, sometimes the real estate investing strategy will lean toward utilizing hard money and private money loans. Some examples include utilizing the BRRRR strategy or doing fix-and-flips. In this mini-class, James will go over the basics of hard money and private money loans. Check out the video from this class here and access the downloads mentioned in the recording: Hard Money and Private Money for Real Estate Investors - Video and Downloads In this class, James discusses: What is hard money? And, a deep dive into using it as a real estate investor.The aspiration goal of becoming a hard money lender and two possible concernsWhat is private money? And, a deep dive into using it as a real estate investor.A warning about inadvertent ponzi schemesA discussion about licensing required to raise private money and the license I gotDownload a sample of my personal, 25-page Private Lender special reportUsing a business card to raise private money (sample of mine)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/spreadsheetImprove 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 Portland real estate investor podcast? Book a free consultation to discuss.

Commercial Loans 101 for Real Estate Investors Recently, we have been covering a variety of financing options for real estate investors. However, we have primarily focused on financing single-family homes, condos, townhomes, duplexes, triplexes, and fourplexes. But what if you're interested in purchasing a commercial building, an apartment with five or more units, or an industrial property? That's where commercial financing comes in. In this mini-class, James will introduce you to commercial financing, explain how it differs from more conventional financing options, and discuss when you might use it as a real estate investor. Check out the video from this class here: Commercial Loans 101 for Real Estate Investors - Video In this class, James discusses: An overview of other financing options before we get to commercial loans and commercial lenders in PortlandWhat are commercial loans?When do we typically use them as real estate investors?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/spreadsheetImprove 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 Portland real estate investor podcast? Book a free consultation to discuss.

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: An overview of other financing options before we get to portfolio loans and portfolio lenders in PortlandWhat are portfolio loans?When do we typically use them as real estate investors?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/spreadsheetImprove 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 Portland 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: An overview of other financing options before we get to conventional financingConventional financing for both non-owner-occupant investment properties and 3% and 5% down payment loans (especially for house hackers and Nomads™)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/spreadsheetImprove 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 Portland 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: 88 Ways to Improve Cash Flow from Real Estate Rental Properties including the following...Improving cash flow by adding additional servicesImproving cash flow by providing desirable done-for-you servicesImproving cash flow by billing back for things you're paying for on behalf of the tenantsImproving cash flow by tiering rent by credit scoreImproving cash flow by charging pet rent for petsImproving cash flow by changing the billing frequencyImproving cash flow by utilizing autopayImproving cash flow by offering a discount for on-time paymentsImproving cash flow by changing the term of the leasing period (short-term rentals as an example)Improving cash flow by requiring 60-90 days notice from existing tenantsImproving cash flow by starting to market your property early for lease and testing higher rentImproving cash flow by renewing during peak rental seasonImproving cash flow by requiring tenant's have renter's insurance to protect their personal belongingsPlus 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/spreadsheetImprove 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 Portland 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: FHA 3.5% down payment loans (especially for house hackers and Nomads™)Conventional 3% and 5% down payment loans (especially for house hackers and Nomads™)Low down payment financing optionsCreative financingOwner financingWrap financingLoan assumptionRent to own, lease to own, lease-option, lease-purchaseInstallment land contract, contract for deed, etcSubject toPrivate money and hard moneyLocal banksPlus 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/spreadsheetImprove 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 Portland 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 Portland specific, detailed analysis of a variety of strategies here: https://RealEstateFinancialPlanner.com/model/ME/Portland/ 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/spreadsheetImprove 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 Portland 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 optionsCreative financingOwner financingWrap financingLoan assumptionRent to own, lease to own, lease-option, lease-purchaseInstallment land contract, contract for deed, etcSubject toPrivate money and hard moneyVA Loans and USDA Loans (especially for house hackers and Nomads)Local banksPlus, why these may be no down payment required, that doesn't mean no money requiredPlus 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/spreadsheetImprove 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 Portland 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 termImproving cash flow by refinancing to improve the interest rateImproving cash flow by paying off the loan completelyImproving cash flow by correcting assessor infoImproving cash flow by contesting tax increases with valid compsImproving cash flow by voting appropriately on tax related measuresImproving cash flow by shopping your insurance ratesImproving cash flow by evaluating your insurance coverageImproving cash flow by optimizing who is insured on your policiesImproving cash flow by setting an appropriate insurance deductible for your situation/propertiesImproving cash flow by removing private mortgage insuranceImproving cash flow by getting a discount for setting up autopayImproving cash flow by getting a discount for paying in full/earlyImproving cash flow by self managingOr, alternatively improving cash flow by hiring a professional property managerImproving cash flow by managing your property managerImproving cash flow by insisting that your team apply best practicesImproving cash flow by maintaining your propertiesImproving cash flow by using quality materialsImproving cash flow by accelerating depreciationPlus 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/spreadsheetImprove 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 Portland 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 optionsCreative financingOwner financingWrap financingLoan assumptionRent to own, lease to own, lease-option, lease-purchaseInstallment land contract, contract for deed, etcSubject toPrivate money and hard moneyVA Loans and USDA Loans (especially for house hackers and Nomads)Local banksWhy 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 requiredPlus 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/spreadsheetImprove 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 Portland 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 Portland specific, detailed analysis of a variety of strategies here: https://RealEstateFinancialPlanner.com/model/ME/Portland/ 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/spreadsheetImprove 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 Portland 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 investingIt's not always, exclusively about priceBeing a good Dream Team memberAdditional or fewer overlaysPersonalityAccessibility and communicationGoing above and beyondLender programs varyPlus 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/spreadsheetImprove 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 Portland real estate investor podcast? Book a free consultation to discuss.