Ultimate Guides

Buying down your mortgage interest rate can be a great strategy for real estate investors looking to maximize their cash flow. By paying an upfront fee to lower your interest rate, you can potentially save thousands of dollars over the life of your loan. But is it always worth it? And how do you know when to buy down your rate and when to use that money for other investments? Buying Down Your Rate First, let’s look at how buying down your interest rate works. When you apply for a mortgage, your lender will give you a quote for a … Read more

Loan planning is an essential aspect of real estate investing. It involves understanding the limitations of loans that investors can obtain, the optimal order in which to obtain loans, and the types of loans available. In this blog post, we will discuss the importance of loan planning for real estate investors and provide insights into how to develop an effective loan plan. The 10 Financed Properties Limitation Fannie Mae and Freddie Mac are quasi-government loans that most lenders sell their loans to. Investors can obtain these loans until they have ten non-owner-occupant financed properties. However, their personal residence counts as … Read more

Real estate investors often utilize a variety of financing options to fund their investment properties. While traditional financing options like Conventional loans, FHA, VA, and USDA loans are popular, they may not always be the best fit for every investment strategy. That’s where hard money loans come into play. In this post, we’ll discuss what hard money loans are, how they work, and when they’re a good option for real estate investors—especially those looking to utilizing the fix and flip strategy or BRRRR strategy. What Are Hard Money Loans? Hard money loans are short-term, asset-based loans that are typically used … Read more

Real estate investors are always looking for financing options to fund their deals. While conventional financing is the most popular option, there are other popular traditional financing options like FHA, VA, USDA and portfolio loans. Plus, there are also quite a few creative financing options available including owner financing, wrap financing/subject to, the lease-option/lease-purchase family and more. In this blog post, we will discuss private money loans for real estate investors. Private Money Loans Private money loans are loans provided by individuals or companies who are not traditional lenders. These lenders are usually individuals who have extra money to invest … Read more

Are you a real estate investor looking to expand your portfolio beyond single-family homes and small multi-unit properties? Then it’s time to consider commercial loans. But where do you start? In this blog post, we’ll provide a comprehensive guide to navigating commercial loans for real estate investing. Understanding Commercial Loans First things first, let’s define what we mean by commercial loans. In the real estate world, commercial loans refer to financing for properties with five or more units or any type of industrial property. These loans are different from traditional consumer-based loans, such as conventional, FHA, and VA loans, as … Read more

Real estate investors often require financing options to finance their deals, and portfolio loans are a great solution… in some situations. In this blog post, we will discuss everything you need to know about portfolio loans and how they can benefit real estate investors. What is a Portfolio Loan? A portfolio loan is a type of loan that is held by the lender instead of being sold to a third-party investor. This means that the lender has more flexibility in setting the loan terms and can consider additional factors beyond just the borrower’s credit score. Traditionally, many real estate investors … Read more