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...
Jul 21, 2023•25 min•Ep. 57
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 ...
Jul 14, 2023•37 min•Ep. 56
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 inves...
Jul 07, 2023•39 min•Ep. 55
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 whet...
Jun 30, 2023•28 min•Ep. 54
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 ...
Jun 23, 2023•52 min•Ep. 53
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 ...
Jun 16, 2023•32 min•Ep. 52
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%...
Jun 09, 2023•41 min•Ep. 51
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 considerati...
Jun 02, 2023•23 min•Ep. 50
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 utiliz...
May 26, 2023•17 min•Ep. 49
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...
May 21, 2023•1 hr 25 min•Ep. 88
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, tripl...
May 19, 2023•23 min•Ep. 48
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 borr...
May 12, 2023•46 min•Ep. 47
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 y...
May 05, 2023•17 min•Ep. 46
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 wh...
May 04, 2023•40 min•Ep. 75
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...
Apr 28, 2023•31 min•Ep. 45
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 o...
Apr 21, 2023•48 min•Ep. 44
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 ...
Apr 14, 2023•56 min•Ep. 43
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-cla...
Apr 07, 2023•1 hr 21 min•Ep. 42
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...
Mar 31, 2023•1 hr 3 min•Ep. 41
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 t...
Mar 24, 2023•48 min•Ep. 40
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 Jersey City? The no money down real estate investor loan options....
Mar 17, 2023•20 min•Ep. 39
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 an...
Mar 10, 2023•45 min•Ep. 38
Don't wait until after you own your rental property to start optimizing cash flow. In this special recording, James discusses all the strategies for improving cash flow while you're actively searching for the next rental property to buy. In this special mini-class for the Real Estate Financial Planner™ coaching program James covers: Real Estate Agent Selection - Besides all the things that a typical real estate agent might be able to do like help you select a better cash flowing rental property,...
Mar 03, 2023•34 min•Ep. 37
When should you upgrade or do improvements to your rental property? How do you tell if it is worthwhile doing the improvements/upgrades? In this special mini-class for the Real Estate Financial Planner™ coaching program James covers: Where are we as we improve rental property cash flow/now? Distinctions between BRRR/R and taking advantage of forced appreciation for a quick sale and keeping a rental for long-term wealth building and cash flow/now. How Return Quadrants™ are impacted by upgrades. A...
Feb 24, 2023•46 min•Ep. 36
The Your Financial Independence module for the new Real Estate Financial Planner Coaching program for folks looking to buy a property in the next 90 days that will move them closer to financial independence despite high prices, high interest rates and lagging rents. James covers: Does buying this property move you closer to your goal of being financially independent? What financial independence is using the Financial Independence Definition Star The Phases of Financial Independence™ The Stages o...
Feb 17, 2023•1 hr 3 min•Ep. 35
Introduction to the Real Estate Financial Planner Coaching program for folks looking to buy a property in the next 90 days that will move them closer to financial independence despite high prices, high interest rates and lagging rents. James covers the 7 steps all real estate investors should go through when buying a rental property and the 20 modules in the new coaching program for those looking to buy a rental property in the next 90 days. Free Real Estate Deal Analysis Spreadsheet: Download a...
Feb 10, 2023•24 min•Ep. 34
What does financially independent mean? Find out in this special, deep-dive podcast episode. James defines financially independent: Passive Income from things like social security, pensions and annuities Net positive cash flow from rental properties Safe withdrawal rate times other invested assets like stocks and bonds James discusses how you need to have clarity on what financial independence looks like for you... especially as a real estate investor... and then what you need to do to get there...
Jan 27, 2023•1 hr 25 min•Ep. 33
Learn how to calculate Cash on Cash Return on Investment for rental properties in Jersey City. James walks you through, step-by-step, how to calculate Cash on Cash Return on Investment for rental properties in Jersey City including all the sub-calculations including Gross Potential Income (GPI), Gross Operating Income (GOI), Operating Expenses (OpEx), Net Operating Income (NOI), and Cash Flow. And, where to get every number you'll need to do the calculations yourself. Find out why it is hard to ...
Jan 20, 2023•1 hr 6 min•Ep. 31
Learn how to calculate cap rate on rental properties in Jersey City. James walks you through, step-by-step, how to calculate capitalization rate (cap rate) on rental properties in Jersey City including all the sub-calculations including Gross Potential Income (GPI), Gross Operating Income (GOI), Operating Expenses (OpEx), and Net Operating Income (NOI). And, where to get every number you'll need to do the calculations yourself. Find out what a typical cap rate might be including some historical ...
Jan 13, 2023•43 min•Ep. 30
Real estate prices in Jersey City are high. Mortgage interest rates are high. Rents are lagging in Jersey City. Is real estate a good investment in Jersey City right now? In this special webinar James discusses why you might still want to invest in real estate in Jersey City despite high prices, high interest rates, and lagging rents. James will discuss why Charlie Munger says that the first $100K is the hardest . Plus, why its not ALWAYS just about cash flow with real estate investments and why...
Jan 06, 2023•1 hr 2 min•Ep. 29
