Private Mortgage Insurance Myths
Roseville Real Estate Investing & Real Estate Financial Planning Podcast
by James Orr
4d ago
Private Mortgage Insurance Myths Reputation can be a challenging thing. I have found, through many conversations with clients over the years, that Private Mortgage Insurance (PMI) has a questionable reputation with home buyers in general and investors in particular. However, much of its reputation is based on half-truths, bad information, lies, and myths. In this special class, James will discuss some of the more common myths about PMI and the truth about what PMI is, and why its reputation is misguided and/or misunderstood. In this class, James discusses: What is Private Mortgage Insurance ..read more
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Warning - Risks of Neighborhood Decline When Investing in Real Estate
Roseville Real Estate Investing & Real Estate Financial Planning Podcast
by James Orr
1w ago
Warning - Risks of Neighborhood Decline When Investing in Real Estate Everything in life has risks. Not investing adds certain types of risks, while investing adds other risks. One risk that some real estate investors face is the possibility that the neighborhood they're investing in will decline, causing values and/or rents to drop. So, how do we prevent this, and what can we do about it if it happens to us? In this mini-class addressing the dangers and risks of investing in real estate, James discusses the risk of a decline in the neighborhood you're investing in and what to do to mitigate t ..read more
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Is it Better to Pay Off Properties with Cash Flow or In Full When Nomading™?
Roseville Real Estate Investing & Real Estate Financial Planning Podcast
by James Orr
1M ago
In many cases—not all, but many cases—real estate investors can speed up the time it takes to become financially independent by choosing to pay off the mortgages on their properties early. Sometimes it makes sense to take every extra dollar beyond a healthy amount of reserves and aggressively pay off properties as quickly as possible. Other times, it might be better to invest money that you have earmarked to pay off properties in something else—like the stock market, for example—until you have enough to completely pay off the mortgage in one single large payment. In this mini-comparison class ..read more
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Deal Alchemy™ - Residential vs Commercial Property
Roseville Real Estate Investing & Real Estate Financial Planning Podcast
by James Orr
1M ago
Deal Alchemy™ - Residential vs Commercial Property Deal Alchemy™ is all about manipulating the returns you're earning on your investments. Often, this is done through the choices we make when selecting the investment property and the strategies we choose to implement. For example, you could choose to invest in residential properties where your tenants would live in the property. Alternatively, you could choose to invest in commercial properties where your tenants do not live in the property. Often, these investments would have different numbers and characteristics, such as who pays taxes, insu ..read more
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Warning - Risks of Loan Called Due When Investing in Real Estate
Roseville Real Estate Investing & Real Estate Financial Planning Podcast
by James Orr
1M ago
Warning - Risks of Loan Called Due When Investing in Real Estate Investing in real estate adds some risk to an already risk-filled life. However, certain activities and strategies when investing in real estate create additional risks that other strategies and activities do not have. For example, choosing to utilize strategies where the lender has the right to call a loan due—like many types of creative financing, using home equity lines of credit, and many commercial loans—adds the additional risk of possibly having loans on your properties called due and payable in full. Add in the fact that ..read more
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Is it Better to Buy Rentals with 20% Down or For All Cash After Buying an Owner-Occupant First?
Roseville Real Estate Investing & Real Estate Financial Planning Podcast
by James Orr
2M ago
There are a large number of investing strategies you could pursue as a real estate investor: Nomad™, house hacking, fix and flip, buying 20% down rentals, buying 25% down rentals, saving up to buy free and clear rentals and many, many more options. Which is the best? Which gets you to financial independence fastest? Which gives you the highest net worth? Which gives you the highest standard of living in retirement? Which has the lowest amount of risk? Which should you pursue and implement? These are some difficult questions. But, in this mini-class James will compare saving up to buy 20% dow ..read more
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Deal Alchemy™ - Increasing Down Payment
Roseville Real Estate Investing & Real Estate Financial Planning Podcast
by James Orr
2M ago
Deal Alchemy™ - Increasing Down Payment 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 Alch ..read more
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Warning - Risks of Rental Property Expenses When Investing in Real Estate
Roseville Real Estate Investing & Real Estate Financial Planning Podcast
by James Orr
2M ago
Warning - Risks of Rental Property Expenses When Investing in Real Estate Risk is all around us. When we choose to invest in anything, we’re choosing to take on the additional risk characteristics of that investment. For example, when we choose to invest in real estate, we choose to take on the risk characteristics of the specific real estate investing we opt to do minus the risk mitigation and elimination strategies we put in place. One of the risks of investing in real estate is the risk of rental property expenses increasing. James discusses those risks and how to mitigate or eliminate them ..read more
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The 3 Strategies to Pay PMI
Roseville Real Estate Investing & Real Estate Financial Planning Podcast
by James Orr
3M 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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Is It Better to Pay Off Rentals Early With Extra Cash Flow or Traditional Nomad™?
Roseville Real Estate Investing & Real Estate Financial Planning Podcast
by James Orr
3M ago
Investing in real estate is full of truthy-sounding falsehoods: it is always better to do X than Y. However, if you were crazy enough to sit down and do the math, you'd find the truth to be much more nuanced. For example, should you take all your extra cash flow and savings and apply it to your mortgages each month to pay off rental properties faster? And if you do, is that a faster path to financial independence? Does it result in your having a higher overall net worth? A higher overall standard of living in retirement? Is it less risky to do that? That's what we will discuss in this special ..read more
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