Bend Real Estate Investing & Real Estate Financial Planning™ Podcast
James Orr
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Top 10 Bend Real Estate Investing & Real Estate Financial Planning™ Podcast Episodes
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Should I Put 15% or 20% Down When Buying a Rental Property?
Bend Real Estate Investing & Real Estate Financial Planning™ Podcast
09/29/23 • 13 min
Should I Put 15% or 20% Down When Buying a Rental Property?
In a real estate market that has seen significant increases in property prices and rapidly rising mortgage interest rates, it can be harder than ever to obtain decent cash flow. However, many real estate investors are tempted to minimize their down payments to optimize their overall returns by investing as little as possible in the deal.
A debate looms regarding whether a 15% or 20% down payment is preferable when purchasing an investment property. In this mini-class, James will guide you through a method for approaching this classic problem and provide some mathematical reasoning to help you reach a rational solution once and for all.
Check out the video from this class here:
Should I Put 15% or 20% Down When Buying a Rental Property? - Video
In this class, James discusses:
- Comparing various loan programs
- Getting mortgage interest rates and private mortgage insurance from your lender
- How to compare two differnet loan programs... using the example of 15% down versus 20% down when buying a rental
- Calculating the return on the extra down payment for yourself on your own deals
- Download the Loan Comparison Spreadsheet
- Plus much more...
Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis SpreadsheetTM by going to:
https://RealEstateFinancialPlanner.com/spreadsheet
Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.
Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Bend real estate investor podcast? Book a free consultation to discuss.
09/29/23 • 13 min
Seasons Of My Life Budget™ Spreadsheet
Bend Real Estate Investing & Real Estate Financial Planning™ Podcast
09/28/23 • 36 min
Use this special budget spreadsheet to model changes in your situation like buying an owner-occupant property, buying rental properties, getting married or divorced or remarried, retiring and much much more.
The spreadsheet allows you to create 6 variations to your budgets for different seasons of your life to easily see how that impacts what you need to have to be financially independent.
Download the spreadsheet:
Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis SpreadsheetTM by going to:
https://RealEstateFinancialPlanner.com/spreadsheet
Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.
Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Bend real estate investor podcast? Book a free consultation to discuss.
09/28/23 • 36 min
Loan Comparison Spreadsheet for Real Estate Investors
Bend Real Estate Investing & Real Estate Financial Planning™ Podcast
09/22/23 • 21 min
Loan Comparison Spreadsheet for Real Estate Investors
Sometimes it can be helpful to compare various loan programs and options simultaneously. For example, it could be useful to compare the monthly payment differences between various "nothing down," "low down," and full-size down payment options when buying a rental property.
Visually seeing a chart comparing the monthly payments of your choices of loans can assist you in making better decisions.
If you had a spreadsheet to easily compare a variety of loan programs at the same time, it would be even more helpful. In this mini-class, James will share with you a loan comparison spreadsheet that allows you to easily compare all of the most common traditional financing options for real estate investors.
Check out the video from this class here:
Loan Comparison Spreadsheet for Real Estate Investors - Video
In this class, James discusses:
- Comparing various loan programs
- Getting mortgage interest rates and private mortgage insurance from your lender
- Optimizing cash flow by minimizing monthly loan expenses
- Common loan differences between owner-occupant loans for investors utilizing NomadTM and House Hacker strategies
- Common loan differences for non-owner-occupant loans
- Download the Loan Comparison Spreadsheet
- Plus much more...
Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis SpreadsheetTM by going to:
https://RealEstateFinancialPlanner.com/spreadsheet
Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.
Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Bend real estate investor podcast? Book a free consultation to discuss.
09/22/23 • 21 min
Buying Down Mortgage Interest Rates for Real Estate Investors
Bend Real Estate Investing & Real Estate Financial Planning™ Podcast
09/15/23 • 47 min
Buying Down Mortgage Interest Rates for Real Estate Investors
There are several ways to improve cash flow on your rental properties. One option is to put more money down to reduce the amount you borrow. In some cases, this can also improve your interest rate by lowering your overall loan-to-value. However, when comparing putting more money down to buying down the mortgage interest rate, it is usually better to buy down the interest rate for any reasonable holding period. This is true from both a return on investment and improved cash flow perspective.
Learn more about buying down your interest rate in this mini-class.
Check out the video from this class here:
Buying Down Mortgage Interest Rates for Real Estate Investors - Video
In this class, James discusses:
- Buying down mortgage interest rates when buying a rental property
- Improving cash flow by buying down your rate
- You can choose your interest rate by how much you're willing to pay or receive as a credit toward closing costs
- Rate changes for the life of the loan
- What's a point and how do they work?
- What's par rate and why it is critically important to seek clarity from your lender when they quote you a rate?
- What can you do with extra money when buying a rental property?
- Comparing more down payment to buying down your interest rate
- Requesting a buy down table from your lender (and what they look like)
- Plugging numbers into the buy down spreadsheet
- Looking at the cost difference when buying down your rates to various levels
- Selecting where to buy down to
- Simple and compound return on investment calculations done for you
- Putting more down improves cash flow in 3 important ways
- Comparing more down payment to buying down interest rates (not just cash flow... cash flow and equity)
- Temporary solution to buying down rate or pre-paying PMI
- Download the Mortgage Buy Down Spreadsheet
- Plus much more...
Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis SpreadsheetTM by going to:
https://RealEstateFinancialPlanner.com/spreadsheet
Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.
Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Bend real estate investor podcast? Book a free consultation to discuss.
09/15/23 • 47 min
Other Financing Options for Real Estate Investors
Bend Real Estate Investing & Real Estate Financial Planning™ Podcast
09/08/23 • 42 min
Other Financing Options for Real Estate Investors
In the last several classes, we covered a variety of traditional financing options, including nothing-down financing, low down payment financing, conventional financing, and portfolio loans. These options represent the overwhelming majority of financing options used when purchasing properties.
However, there are a handful of financing options that are used infrequently, but it's still important to be aware of them. In this mini-class, we will discuss these other financing options, including private money, hard money, utilizing partners for financing, home equity lines of credit, owner financing, life insurance, self-directed retirement accounts, subject to and wrap financing, lease-options/lease-purchases, and foregoing financing to pay cash.
Check out the video from this class here:
Other Financing Options for Real Estate Investors - Video
In this class, James discusses:
- Primary financing types that make up 90%+ of all loans
- Creative financing: owner financing, wrap financing, lease-options/lease-purhcases, loan assumption, subject to, etc
- Private financing
- Hard money
- Line of credit (HELOCs)
- Buying properties for cash
- Partnerships (utilizing all the other strategies)
- Portfolio loans
- Life insurance
- Self-directed retirement accounts
- Plus much more...
Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis SpreadsheetTM by going to:
https://RealEstateFinancialPlanner.com/spreadsheet
Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.
Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Bend real estate investor podcast? Book a free consultation to discuss.
09/08/23 • 42 min
Amazing Rental Property Cash Flow Strategy with Ryan Chaw
Bend Real Estate Investing & Real Estate Financial Planning™ Podcast
09/03/23 • 57 min
Home prices are up a lot over the last 10 years or so, interest rates are up even more in the last 18 months or so, and—while rents are up—they’re not up enough to counteract the higher prices and interest rates.
That makes cash flow harder... but not for Ryan and his strategy...
We discuss this method of improving cash flow under "Improve Strategy" when we discuss our 88 cash flow improving strategies, but Ryan really drives home just how amazing it is.
Check out the interview and his website.
Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis SpreadsheetTM by going to:
https://RealEstateFinancialPlanner.com/spreadsheet
Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.
Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Bend real estate investor podcast? Book a free consultation to discuss.
09/03/23 • 57 min
Is it Better to Nomad™ or Buy Rentals All Cash?
Bend Real Estate Investing & Real Estate Financial Planning™ Podcast
09/01/23 • 36 min
Prices have gone up rapidly in the last few years. And, interest rates are much higher. And even though rents are up, they’re not up enough to counteract the much higher prices and much higher interest rates. That makes it harder to achieve good cash flow with a reasonable down payment.
One way to overcome the impact of higher interest rates is to not use loans to buy rental properties.
In this comparison mini-class James will compare the NomadTM real estate investing strategy to taking the significantly longer extra time to save up and buy rental properties for cash.
With the NomadTM strategy, James will have you put 5% down and buy an owner-occupant property that you live in for at least a year until you’ve saved up the next 5% down payment plus closing costs and reserves. Then, buy another 5% down payment owner-occupant property and move into the new property. Convert the previous property to a rental. Repeat this process until you’ve acquired 10 properties total—9 of them rental properties you purchased with 5% down payments.
When buying properties for cash, you’ll still buy your first property with 5% down payment and move in. But, after that, you’ll take the significantly longer time to save up 100% to buy a rental property all cash. And, free and clear properties without loans have much, much better cash flow than properties financing with 5% down. But, it takes a lot longer to save up to buy the first property. Keep saving until you buy up to 9 rentals all cash.
Which strategy will get you to financial independence fastest? Which will get you the highest net worth? Which is riskiest? We will analyze this comparison for 305 US cities.
Check out the video and interactive charts from this class here:
https://RealEstateFinancialPlanner.com/model/nomad-versus-1-oo-then-9-all-cash/
Or, see Bend specific, detailed analysis of a variety of strategies here:
https://RealEstateFinancialPlanner.com/model/OR/Bend/
Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis SpreadsheetTM by going to:
https://RealEstateFinancialPlanner.com/spreadsheet
Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.
Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Bend real estate investor podcast? Book a free consultation to discuss.
09/01/23 • 36 min
The Importance of Loan Planning for Real Estate Investors
Bend Real Estate Investing & Real Estate Financial Planning™ Podcast
08/25/23 • 28 min
The Importance of Loan Planning for Real Estate Investors
Real estate investing is a little like the game of Chess. You can play the game with an elementary understanding of the basic rules. But, you soon learn that just knowing how the pieces move about the board are the table stakes for being able to sit at the game board.
If you want to do well, you need to start thinking about the consequences of your actions. And, not just the consequences of your actions for the immediate next move, but the consequences for moves multiple turns into the future.
The same applies to real estate investing... you need to be thinking not just about the deal analysis and loan of the property right in front of you; that’s table stakes. You need to be thinking about what the consequences are for that property far off into the future and, if you’re good, for multiple properties and multiple loans into the future.
That’s why loan planning is so important and why we’ll cover it in detail in this mini-class.
Check out the video from this class here:
The Importance of Loan Planning for Real Estate Investors - Video
In this class, James discusses:
- The 10 loan limit from Fannie Mae and Freddie Mac for purchasing non-owner-occupant investment properties
- Why are these loans important to real estate investors
- What do you use after you reach the limit?
- Why is it important to optimize these 10 loan spots?
- What are some exceptions to the 10 loan rule?
- A strategy to double your loan spots
- The NomadTM preferred loan plan
- Plus much more...
Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis SpreadsheetTM by going to:
https://RealEstateFinancialPlanner.com/spreadsheet
Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.
Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Bend real estate investor podcast? Book a free consultation to discuss.
08/25/23 • 28 min
Hard Money and Private Money for Real Estate Investors
Bend Real Estate Investing & Real Estate Financial Planning™ Podcast
08/18/23 • 49 min
Hard Money and Private Money for Real Estate Investors
Certain real estate investing strategies suggest certain types of financing. For example, most long-term buy-and-hold real estate investors purchasing non-owner-occupant properties will opt for 30-year fixed rate conventional financing or commercial loans. House hackers and NomadsTM will often seek out low or zero down VA, USDA, FHA, and conventional financing options.
However, sometimes the real estate investing strategy will lean toward utilizing hard money and private money loans. Some examples include utilizing the BRRRR strategy or doing fix-and-flips.
In this mini-class, James will go over the basics of hard money and private money loans.
Check out the video from this class here and access the downloads mentioned in the recording:
Hard Money and Private Money for Real Estate Investors - Video and Downloads
In this class, James discusses:
- What is hard money? And, a deep dive into using it as a real estate investor.
- The aspiration goal of becoming a hard money lender and two possible concerns
- What is private money? And, a deep dive into using it as a real estate investor.
- A warning about inadvertent ponzi schemes
- A discussion about licensing required to raise private money and the license I got
- Download a sample of my personal, 25-page Private Lender special report
- Using a business card to raise private money (sample of mine)
- Plus much more...
Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis SpreadsheetTM by going to:
https://RealEstateFinancialPlanner.com/spreadsheet
Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.
Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Bend real estate investor podcast? Book a free consultation to discuss.
08/18/23 • 49 min
Rental Portfolio Return in Dollars Quadrant™ Spreadsheet
Bend Real Estate Investing & Real Estate Financial Planning™ Podcast
10/02/23 • 43 min
Use this special spreadsheet to track the returns on each property in your portfolio.
It utilizes the Return in Dollars QuadrantTM methodology to easily allow you to track appreciation, cash flow, debt paydown, Cash Flow from DepreciationTM and the return on your reserves all in one place.
Plus, see how and when each return is taxed. And, whether the return is cash now or cash later. And finally, whether the return is more speculative and uncertain or less speculative and more certain.
Download the spreadsheet:
Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis SpreadsheetTM by going to:
https://RealEstateFinancialPlanner.com/spreadsheet
Improve Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.
Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Bend real estate investor podcast? Book a free consultation to discuss.
10/02/23 • 43 min
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FAQ
How many episodes does Bend Real Estate Investing & Real Estate Financial Planning™ Podcast have?
Bend Real Estate Investing & Real Estate Financial Planning™ Podcast currently has 81 episodes available.
What topics does Bend Real Estate Investing & Real Estate Financial Planning™ Podcast cover?
The podcast is about Entrepreneurship, Investing, Podcasts and Business.
What is the most popular episode on Bend Real Estate Investing & Real Estate Financial Planning™ Podcast?
The episode title 'Should I Put 15% or 20% Down When Buying a Rental Property?' is the most popular.
What is the average episode length on Bend Real Estate Investing & Real Estate Financial Planning™ Podcast?
The average episode length on Bend Real Estate Investing & Real Estate Financial Planning™ Podcast is 51 minutes.
How often are episodes of Bend Real Estate Investing & Real Estate Financial Planning™ Podcast released?
Episodes of Bend Real Estate Investing & Real Estate Financial Planning™ Podcast are typically released every 7 days.
When was the first episode of Bend Real Estate Investing & Real Estate Financial Planning™ Podcast?
The first episode of Bend Real Estate Investing & Real Estate Financial Planning™ Podcast was released on May 21, 2022.
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