How to Analyze a New Construction Single-Family Home Property
Surprise Real Estate Investing & Real Estate Financial Planning™ Podcast
by James Orr
2d ago
How to Analyze a New Construction Single-Family Home Property in Surprise Your ability to analyze deals is arguably the most important skill as a real estate investor. It allows you to make smart investment decisions and helps you avoid making career-ending bad decisions, such as buying cash-flowing-sucking vampire properties. In this class, James will help you utilize The World's Greatest Real Estate Deal Analysis Spreadsheet™ (a free download) to analyze a new construction single-family home that you plan to buy as an investment. Analyzing new construction is slightly different from analyzin ..read more
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The 3 Strategies to Pay PMI
Surprise Real Estate Investing & Real Estate Financial Planning™ Podcast
by James Orr
1w ago
The 3 Strategies to Pay Private Mortgage Insurance (PMI) Whether they're putting 15% down and buying a non-owner-occupied property or utilizing an owner-occupied loan with 0%, 3%, 3.5%, or 5% down for Nomading™ or house hacking, some real estate investors will choose to put less than 20% down. With the decision to put less than 20% down comes the choice of how to pay for private mortgage insurance (PMI). There are three options (plus some combinations of the three options): up-front lump sum, lender-paid, and monthly. And, as you might have guessed, there are pros and cons to each option. In t ..read more
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Deal Alchemy™ - Cash Flow to Debt Paydown
Surprise Real Estate Investing & Real Estate Financial Planning™ Podcast
by James Orr
3w ago
Deal Alchemy™ - Cash Flow to Debt Paydown There are four primary returns from investing in rental properties: appreciation, cash flow, debt paydown, and the tax benefits of depreciation. Additionally, there is a secondary return in the form of the interest earned on the reserves required to make the investment in the first place. Many real estate investors prefer the cash flow return over the others. Often, we can manipulate the investment to shift returns between appreciation, cash flow, debt paydown, tax benefits, and reserves. We call this Deal Alchemy™. There are many variations of Deal Al ..read more
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Warning - The Risk of Down Payment Size When Investing in Real Estate
Surprise Real Estate Investing & Real Estate Financial Planning™ Podcast
by James Orr
1M ago
Warning - The Risk of Down Payment Size When Investing in Real Estate Life is full of risks. When we choose to invest, we choose to take on additional risks. If we invest in stocks, we choose to take on certain risks. When we choose to invest in bonds, we take on different risks. When we choose to invest in real estate, we choose to take on additional and different risks. One of the risks associated with real estate investing is the risk of down payment size. If you put a large amount down—or even choose to pay cash and put 100% down—you have certain risks. If you choose to put a small amount ..read more
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How to Analyze a 5% Down Single-Family Nomad™ Property
Surprise Real Estate Investing & Real Estate Financial Planning™ Podcast
by James Orr
1M ago
How to Analyze a 5% Down Single-Family Nomad™ Property in Surprise Using the latest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™, we will walk through how to analyze a single-family home Nomad™ property with a 5% down payment. Learn how to analyze deals correctly and avoid buying cash flow vampires. Only buy the best deals that make sense in this special mini-class, which is part of our deal analysis series. Check out the video from this class here: How to Analyze a 5% Down Single-Family Nomad™ Property - Video Or, check out the deal analysis example for Surprise, Ari ..read more
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What Affects Your PMI Rate
Surprise Real Estate Investing & Real Estate Financial Planning™ Podcast
by James Orr
1M ago
What Affects Your PMI Rate Lenders prefer that you put at least 20% down, but if you push hard enough, many will allow you to put less than 20% down if you're willing to purchase insurance to protect them in case you default. This insurance is called Private Mortgage Insurance. The cost of this insurance depends on several factors. Some are primary factors and have a significant impact on the cost of the insurance policy. Other factors are secondary and affect the premium, but only to a smaller extent. In this mini-class, James will go over the things that affect your private mortgage insuranc ..read more
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Is It Better to Rent or Buy an Owner-Occupant Property for 5% Down When Otherwise Buying 25% Down Rentals?
Surprise Real Estate Investing & Real Estate Financial Planning™ Podcast
by James Orr
1M ago
You're a real estate investor looking to acquire properties by saving up and putting 25% down. Should you buy an owner-occupied property first? What if that's more expensive than renting? Should you still do it? What if it means you'll be saving less for acquiring rentals by buying an owner-occupied property first? In this comparison class, we will put buying 25% down rentals in a head-to-head competition... We will analyze 304 real estate markets and see if you can achieve financial independence faster by buying an owner-occupied property first. We'll also look at your net worth and see if bu ..read more
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Deal Alchemy™ - Lease-Options
Surprise Real Estate Investing & Real Estate Financial Planning™ Podcast
by James Orr
2M ago
Deal Alchemy™ - Lease-Options Different real estate investors desire, prefer, and prioritize different returns. For example, many real estate investors have a strong preference for the cash flow part of their return. With Deal Alchemy™, we can manipulate returns and move them from one area to another. Or, we can move them from one or more areas to one or more other areas. For example, using Deal Alchemy™, we can sometimes manipulate the appreciation return in exchange for better cash flow. In this mini-class, James will talk about how to use Deal Alchemy™ with a lease-option deal to manipulate ..read more
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Warning - Insurable Risks When Investing in Real Estate
Surprise Real Estate Investing & Real Estate Financial Planning™ Podcast
by James Orr
2M ago
Warning - Insurable Risks When Investing in Real Estate Life has risks. Real estate investing in Surprise adds some additional risks. Some of these risks can be shifted from your responsibility to the responsibility of a third party for a fee. This is often described as insurance. You choose to pay someone else to take on a risk you don't want to take on yourself. In this mini-class, James will go over a variety of insurable risks that real estate investors experience and how to mitigate or eliminate them. Check out the video from this class here: Warning - Insurable Risks When Investing in Re ..read more
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How to Analyze a 20% Down Single-Family Home Rental
Surprise Real Estate Investing & Real Estate Financial Planning™ Podcast
by James Orr
2M ago
How to Analyze a 20% Down Single-Family Home Rental Using the latest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™, we will walk through how to analyze a single-family home rental property with a 20% down payment. Learn how to analyze deals correctly and avoid buying cash flow vampires. Only buy the best deals that make sense in this special mini-class, which is part of our deal analysis series. Check out the video from this class here: How to Analyze a 20% Down Single-Family Home Rental - Video Or, check out the deal analysis example for Surprise, Arizona: Deal Analys ..read more
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