Secrets to Improving Cash Flow

03/14/25 • 84 min

Santa Clarita Real Estate Investing & Real Estate Financial Planning™ Podcast

Learn the secrets to maximizing cash flow on rentals in Santa Clarita.

This class is Module 26 of 46 in a series called Real Estate Investing Secrets.

Topics covered in this module include how to improve cash flow:

When selecting a real estate agent/broker
Locking/floating your mortgage interest rate
Searching for less expensive properties
Searching for pretty properties that don’t need work
Searching for properties and negotiating for seller concessions
Searching for properties with creative financing
When selecting a lender/mortgage broker
When selecting a loan based on closing costs
Offering less than list price when buying properties
Paying for closing costs upfront instead of financing them
Pre-paying Private Mortgage Insurance (PMI) instead of paying it monthly
Getting a staggered rate mortgage
Buying down your mortgage interest rate
Improving your credit score
Adding a strong borrower to the loan
Removing a weak borrower from the loan
Getting a loan partner
Signing up for auto-pay
Having additional accounts or relationship with your lender
Changing the amortization of the loan including interest only loans, negative amortization loans
Improving your interest rate from changing loan durations
Extending the repayment period
Changing the amount borrowed
Changing your loan-to-value of the mortgage
Accepting an adjustable-rate mortgage
Eliminating PMI
Pre-paying PMI
Utilizing a rate and term refinance before acquisition
Doing a cash out refi to buy/refi a property
Paying cash for a property instead of financing it
When getting private or creative financing
Formally assuming a mortgage
Changing the term of the lease
Utilizing lease-options
Niching down and catering to a specific group of tenants
Utilizing roommates, renting by bed/bedroom and/or renting by parts
Subdividing the property
Upgrading the property
Installing solar
Furnishing the property
Converting the property to more optimal configurations
Collecting improvement rent
Optimizing the marketing of the property
Maximizing exposure when marketing
Improving your sales skills to tenants and tenant-buyers
Optimizing showings
Refinancing the property to extend term and/or improve rate
Paying off the loan completely
Correcting inaccurately assessed properties
Voting to minimize taxes
Shopping insurance rates
Changing insurance coverages
Changing who is insured
Changing insurance deductibles
Requesting PMI be removed
Getting discount for auto-pay
Getting discount for early payment
Self-managing the property
Hiring a professional property manager
Managing your property manager
Insisting on best property management practices
Maintaining your property
Using quality materials in your property
Accelerating depreciation
Offering additional paid services to tenants
Offering done-for-them services to tenants
Correctly billing back for services included
Tiering rent by credit score
Collecting pet rent
Changing billing frequency
Offering auto-pay
Offering discount for early or on-time payments
Insisting on ample notice of lease renewal
Marketing early for next tenant
Renewing leases during peak season
Insisting on tenant’s having renter’s insurance
Plus much more...

Check out the video and additional resources related to Secrets to Improving Cash Flow.

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 Santa Clarita real estate investor podcast? Book a free consultation to discuss.

Learn the secrets to maximizing cash flow on rentals in Santa Clarita.

This class is Module 26 of 46 in a series called Real Estate Investing Secrets.

Topics covered in this module include how to improve cash flow:

When selecting a real estate agent/broker
Locking/floating your mortgage interest rate
Searching for less expensive properties
Searching for pretty properties that don’t need work
Searching for properties and negotiating for seller concessions
Searching for properties with creative financing
When selecting a lender/mortgage broker
When selecting a loan based on closing costs
Offering less than list price when buying properties
Paying for closing costs upfront instead of financing them
Pre-paying Private Mortgage Insurance (PMI) instead of paying it monthly
Getting a staggered rate mortgage
Buying down your mortgage interest rate
Improving your credit score
Adding a strong borrower to the loan
Removing a weak borrower from the loan
Getting a loan partner
Signing up for auto-pay
Having additional accounts or relationship with your lender
Changing the amortization of the loan including interest only loans, negative amortization loans
Improving your interest rate from changing loan durations
Extending the repayment period
Changing the amount borrowed
Changing your loan-to-value of the mortgage
Accepting an adjustable-rate mortgage
Eliminating PMI
Pre-paying PMI
Utilizing a rate and term refinance before acquisition
Doing a cash out refi to buy/refi a property
Paying cash for a property instead of financing it
When getting private or creative financing
Formally assuming a mortgage
Changing the term of the lease
Utilizing lease-options
Niching down and catering to a specific group of tenants
Utilizing roommates, renting by bed/bedroom and/or renting by parts
Subdividing the property
Upgrading the property
Installing solar
Furnishing the property
Converting the property to more optimal configurations
Collecting improvement rent
Optimizing the marketing of the property
Maximizing exposure when marketing
Improving your sales skills to tenants and tenant-buyers
Optimizing showings
Refinancing the property to extend term and/or improve rate
Paying off the loan completely
Correcting inaccurately assessed properties
Voting to minimize taxes
Shopping insurance rates
Changing insurance coverages
Changing who is insured
Changing insurance deductibles
Requesting PMI be removed
Getting discount for auto-pay
Getting discount for early payment
Self-managing the property
Hiring a professional property manager
Managing your property manager
Insisting on best property management practices
Maintaining your property
Using quality materials in your property
Accelerating depreciation
Offering additional paid services to tenants
Offering done-for-them services to tenants
Correctly billing back for services included
Tiering rent by credit score
Collecting pet rent
Changing billing frequency
Offering auto-pay
Offering discount for early or on-time payments
Insisting on ample notice of lease renewal
Marketing early for next tenant
Renewing leases during peak season
Insisting on tenant’s having renter’s insurance
Plus much more...

Check out the video and additional resources related to Secrets to Improving Cash Flow.

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 Santa Clarita real estate investor podcast? Book a free consultation to discuss.

Previous Episode

Secrets to Low and Nothing Down Strategies

Learn the secrets to buying investment properties with little or no down payments in Santa Clarita.

This class is Module 25 of 46 in a series called Real Estate Investing Secrets.

Topics covered in this module include:

What are the loans you use to invest in real estate with little or no down payment?
What are the real estate investing strategies you can use to invest in real estate with little or no down payment?
Why it makes sense... sometimes... to not do a deal even if it is low or nothing down.
What are the best nothing down options and why?
What are the best low down payment options and why?
What are all the creative financing options and how can they be low or nothing down?
Which are the loans that you borrow down payments for?
What is the special loophole for borrowing down payments from partners?
What is the limiting factor in doing some of the nothing down strategies? And, how do you overcome it?
Which strategies are going to be more likely to be low and nothing down?
How do you utilize traditional buy and hold with low and nothing down options?
How do you house hack with low and nothing down options?
How to use roommate income to help qualify for mortgages.
How do you utilize the NomadTM real estate investing strategy with low and nothing down options?
How do you fund the purchase of your entire real estate portfolio starting with just one—no down payment or low down payment—property purchase?
How do you BRRRR with low and nothing down options?
How do you flip properties with low and nothing down?
How do you wholesale properties with little or no down payments?
How do you utilize real estate entrepreneurship and creative financing to do deals with little or no down payment?
How do you use option fees to eliminate the need for down payments?
How do you combine a low/nothing down BRRRR strategy with short-term rentals or student rentals?
How do you do short-term rentals or student rentals without owning properties?
How to utilize partners and structure partnerships to eliminate the need for down payments?
Using a magical concept to take financing with you from previous properties to eliminate the need for down payments on future purchases?
Better than nothing down: how do you pull money out when you buy?
Plus much more...

Check out the video and additional resources related to Secrets to Low and Nothing Down Strategies.

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 Santa Clarita real estate investor podcast? Book a free consultation to discuss.

Next Episode

Secrets of Contract to Close

Learn the secrets to what happens while you're under contract to buy an investment property in Santa Clarita.

This class is Module 27 of 46 in a series called Real Estate Investing Secrets.

Topics covered in this module include:

What happens once you’re under contract through when you’re closing on a property?
What due diligence should you be doing?
Who is responsible for managing the dates and deadlines in a real estate contract?
What is meant by good faith?
When do you verify rent on the property?
When do you bring in a contractor to verify costs of repairs?
When do you verify HOA restrictions?
What should you do immediately after having a contract accepted by the seller?
What should you be doing during your title period? What does the real estate agent do?
What should you be doing during the association review period? What should your real estate agent/broker do?
What must you do regarding the Seller’s Property Disclosure?
What should you be doing during the loan application period?
How does the appraisal deadline work? What should you be doing? What does your real estate agent do?
What should you be doing regarding surveys on properties?
What due diligence should you be doing during the inspection period?
What three things should you get from your dream team prior to inspecting the property?
What should you be doing during the insurance period?
Plus much more...

Check out the video and additional resources related to Secrets of Contract to Close.

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 Santa Clarita real estate investor podcast? Book a free consultation to discuss.