Scenario With Stocks and Real Estate

📚Peter Contemplates 5%, 20% and 25% Down Payments with Market Variability

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📚Peter Considers 20% Down Payments Amidst Variable Stock Market, Price, Rent and Mortgage Interest Rates

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📚Should Peter Put 20%, 25% or Nomad™ with 5% Down Payments?

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📚Peter Considers 25% Down Payments Instead of 20% Down Payments

Previously, in our series of Real Estate Investor Stories, we met Peter from Denver, Colorado. Previously, we has focused on buying ten 20% down payment rentals to achieve financial independence. Today, Peter is going to go consider saving up 25% instead of 20%. Why? Because the interest rate for 20% down payment loans is about 3.625% right (as I write this) and 25% down payments are 3.25%. Peter is wondering: Will waiting a little longer to save up for my down payment but getting a lower interest rate and borrowing less improve my cash flow and allow me to achieve … Read more

📚Peter Seeks Financial Independence in Denver

Over the last several weeks, I’ve been telling a series of unrelated Real Estate Investor Stories. Each story featured a different investor, their situation, their fears, their strengths, their resources and ultimately how their plan could have worked out based on output from the Real Estate Financial Planner™ software. Today, I am trying something different. One character, Peter, from Denver… considers a variety of different real estate investing strategies. In this first story, we meet Peter, a young professional in Denver seeking financial independence. About this first episode with Peter: Peter is starting with $25,000 in savings He has a … Read more

📚Anthony Works in the Grocery Store Savin’ His Pennies for Financial Independence Someday

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📚How to Acquire 8 Rental Properties With Down Payments for Two

Create an account and log in to watch James narrate the 1 hour presentation of Andrea’s story: 40 years old Has her accounting degree from Arizona State University Works in accounting for a small manufacturing business – she’s a planner Earns about $4,000 per month Divorced, single mom with 2 small boys (age 2 and 4) Has $100K saved up including some of the joint proceeds from the sale of a previous home Money is going to be tight supporting her and two kids on just her salary so not a lot to save Wants to be able to provide … Read more

Sample Scenario 008 – Investing $100,000 in Stocks at Fixed 8.97% per Year while Earning and Spending $5K per Month and Buy 10 Nomads™, Start Earning $2K/mo From Social Security in May, 2040

This is similar to Scenario 006 except in this Scenario we are adding in that you start collecting $2,000 per month (in today’s dollars) in May, 2040. We buy a home to live in with 5% down payment and lender-paid private mortgage insurance (PMI) instead and then a year later we buy a second home to live in, again with 5% down payment and lender-paid PMI. We convert the first one to a rental property. We repeat this process waiting at least a year between each purchase to comply with the owner-occupant lender requirement to live in the property for … Read more