This is the introduction to the 46-module, 53-hour series called Real Estate Investing Secrets.

In this intro:

• There are no real secrets in life
• The 46 modules (53 hours) of content included in the course
• Nothing is difficult or hard… the only actual skill you’ll need for the real estate investing business
• The most common fears of real estate investors—and how to overcome them
• A brief background on James Orr, your instructor
• The Dunning-Kruger Effect as it applies to real estate investing
• The aggregation of marginal gains and why making just a 1% improvement daily will have an incredible impact on your real estate investing business
• Commencement
• Plus much more...

Check out Real Estate Investing Secrets.

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Learn the secrets of financial independence for real estate investors in Boston.

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

Topics covered in this double-length module include:

• A custom spreadsheet to model where your investment money is coming from and where you will invest it to achieve financial independence.
• Your possible investing options to achieve financial independence.
• Factors to consider when selecting investment options.
• Typical returns an investor might see for each investing option.
• The two reasons for reinvesting some of your returns back into purchasing new investments—especially after reaching financial independence.
• Actions to avoid with your investment returns and why.
• The ideal cash flow engine.
• Financial independence mathematically defined.
• What counts toward being financially independent and what doesn't—some of these are controversial.
• How to speed up your journey toward financial independence.
• Safe withdrawal rates and their application to rental properties.
• Methods to accelerate achieving financial independence beyond earning more money and reducing expenses.
• How to increase returns to achieve financial independence and the importance of Return on Equity.
• The unexpected benefits of reallocating assets to speed up financial independence and how that impacts risk.
• The relationship between risk and speed and why it matters.
• The phases and stages of financial independence explained in detail.
• A discussion on borrowing money to invest in stocks, bonds, etc.
• A secret backdoor... chillaxing into financial independence.
• Plus much more...

Check out the video and additional resources related to Secrets of Financial Independence.

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Learn the secrets of 1031 tax deferred exchanges in Boston.

This class is Module 37 of 46 in a series called Real Estate Investing Secrets.

Topics covered in this module include:

• What is a 1031 tax-deferred exchange?
• What are the key aspects of a 1031?
• The 4 types of 1031 tax-deferred exchanges and when we use each
• Defining like-kind and understanding what you can sell and buy with exchanges
• Specific exclusions with 1031 exchanges
• Refinancing before or after you do a 1031 exchange to pull cash out
• Why you can’t touch any of the money during the exchange
• Who can’t be your intermediary
• The strict time limits on 1031 exchanges
• The 3 rules for identifying replacement properties in 1031 exchanges
• 3 examples: without a tax-deferred exchange, with a 1031 and a 1031 with boot
• The danger to real estate investors of using a Qualified Intermediary (QI)
• Considerations when selecting a QI
• Questions to ask your prospective QI
• 3 sample contract provisions for required for completing a 1031 exchange
• Post-exchange documentation
• Adjusting basis when selling some of the properties you’ve 1031 exchanged into
• Avoiding boot when dealing with closing costs
• Typical costs for 1031 tax-deferred exchanges
• Asset protection and title solutions with 1031 exchanges
• How to 1031 out of a partnership when partnerships are not considered acceptable like-kind property
• How to utilize 1031 proceeds to partner with others when partnerships are not acceptable like-kind property
• Owner-occupying after completing a 1031 exchange to take advantage of the home sale exclusion
• The complicated process of 1031 exchanges into REITs
• How to invest in real estate and never pay capital gains or depreciation recapture taxes
• Can you 1031 exchange and pay off mortgages on other properties with the proceeds?
• Plus much more...

Check out the video and additional resources related to Secrets of 1031 Exchanges.

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

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 Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

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:

https://refp.info/soml

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

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 Nomad™ 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 Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

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 Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

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 Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

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 Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

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 Nomad™ real estate investing strategy to taking the significantly longer extra time to save up and buy rental properties for cash.

With the Nomad™ 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 Boston specific, detailed analysis of a variety of strategies here:

https://RealEstateFinancialPlanner.com/model/MA/Boston/

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

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 Nomad™ 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 Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

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 Nomads™ 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 Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Commercial Loans 101 for Real Estate Investors

Recently, we have been covering a variety of financing options for real estate investors. However, we have primarily focused on financing single-family homes, condos, townhomes, duplexes, triplexes, and fourplexes. But what if you're interested in purchasing a commercial building, an apartment with five or more units, or an industrial property?

That's where commercial financing comes in.

In this mini-class, James will introduce you to commercial financing, explain how it differs from more conventional financing options, and discuss when you might use it as a real estate investor.

Check out the video from this class here:

Commercial Loans 101 for Real Estate Investors - Video

In this class, James discusses:

• An overview of other financing options before we get to commercial loans and commercial lenders in Boston
• What are commercial loans?
• When do we typically use them as real estate investors?
• 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 Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Learn the secrets of buying new construction properties in Boston.

This class is Module 36 of 46 in a series called Real Estate Investing Secrets.

Topics covered in this module include:

• The pros and cons of investing in real estate with new construction properties
• What price of new construction should you focus on for investments
• Different builders, different standards and how to deal with that
• The downsides of the builder contract for real estate investors
• Getting ridiculously amazing deals on new construction properties
• The risks of investing in new construction properties that are different than buying resale properties
• Risks associated with financing new construction and how to mitigate them
• The math and benefits of upgrading to an extra bedroom when buying new construction
• Builders to refuse to sell to investors and what to do in those situations
• How builder pricing works and taking advantage of it as an investor
• Metro taxing districts and how to account for them
• Non-potable water on new construction properties
• Why to be wary of builder’s reps
• Using a real estate agent or broker to buy new construction
• The considerations of choosing a lot when buying new construction
• The math revealed: rolling in premium-priced builder extras or buying extras at a discount post-closing
• The imperfections of dealing with fences when buying new construction
• Customizing new construction properties when investing
• Radon on new construction properties
• Sewer lines and sewer scopes when buying new construction
• Gotcha! Inspecting new construction properties
• The builder walkthrough and dealing with missed expectations
• Dealing with builders using your property as a model before you close
• Visiting your property while under construction and avoiding having your contract terminated
• The PITA clause in builder’s contracts
• What to expect when walking through prior to closing
• Builder warranties and extended warranties on new construction
• Dealing with unsatisfactory concrete on new construction
• The ideal vs reality when taking marketing photos of your property after closing
• Bonus cash flow: assessing new construction properties
• Competition and vacancy of new construction properties
• Renting new construction: an easier sale?
• Warning: builders cutting corners to save money
• The myth and truth behind builder lawsuits
• The dangers and upside of new construction speculation
• Utilizing the new construction lease-option real estate investing strategy
• Plus much more...

Check out the video and additional resources related to Secrets of New Construction.

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Portfolio Loans 101 for Real Estate Investors

Most real estate investors initially use conventional financing options to acquire their rental property portfolio. However, when they hit the limit of conventional loans they can obtain, they may switch to portfolio loan products to continue acquiring properties. Additionally, when doing certain types of partnerships, it may be beneficial to consider portfolio loans.

In this mini-class, James covers the basics of portfolio mortgage financing for real estate investors.

Check out the video from this class here:

Portfolio Loans 101 for Real Estate Investors - Video

In this class, James discusses:

• An overview of other financing options before we get to portfolio loans and portfolio lenders in Boston
• What are portfolio loans?
• When do we typically use them as real estate investors?
• 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 Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Conventional Financing 101 for Real Estate Investors

While about one-third of real estate transactions are all-cash, the majority of real estate investors use conventional financing options to acquire their rental properties. Even new investors often desire to utilize creative financing strategies, but it's important to have a foundational understanding of conventional financing.

In this mini-class, James will cover the basics of conventional financing for real estate investors.

Check out the video from this class here:

Conventional Financing 101 for Real Estate Investors - Video

In this class, James discusses:

• An overview of other financing options before we get to conventional financing
• Conventional financing for both non-owner-occupant investment properties and 3% and 5% down payment loans (especially for house hackers and Nomads™)
• 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 Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Improving Cash Flow on Rental Properties as a Landlord

When real estate prices, mortgage interest rates, and rent rates are high, it can be more challenging to generate great cash flow from a rental property. However, it is also more important than ever to do everything in your power to maximize cash flow.

There are 88 strategies for improving cash flow on rental properties, with some of the best are ones you apply as a landlord managing your rental property. This mini-class covers the cash flow improving strategies when you’re a landlord.

Check out the video of this class here:

Improving Cash Flow on Rental Properties as a Landlord - Video Recording

In this special mini-class for the Real Estate Financial Planner™ coaching program James covers:

• 88 Ways to Improve Cash Flow from Real Estate Rental Properties including the following...
• Improving cash flow by adding additional services
• Improving cash flow by providing desirable done-for-you services
• Improving cash flow by billing back for things you're paying for on behalf of the tenants
• Improving cash flow by tiering rent by credit score
• Improving cash flow by charging pet rent for pets
• Improving cash flow by changing the billing frequency
• Improving cash flow by utilizing autopay
• Improving cash flow by offering a discount for on-time payments
• Improving cash flow by changing the term of the leasing period (short-term rentals as an example)
• Improving cash flow by requiring 60-90 days notice from existing tenants
• Improving cash flow by starting to market your property early for lease and testing higher rent
• Improving cash flow by renewing during peak rental season
• Improving cash flow by requiring tenant's have renter's insurance to protect their personal belongings
• Plus more...

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Low Down Payment Financing Options for Real Estate Investors

Real estate investors often believe that minimizing their down payment leads to higher returns. This is partly true since a lower down payment means higher leverage, which amplifies returns. However, returns can be amplified both positively (when returns are positive) and negatively (when returns are negative or things don't go as planned).

Although there may be additional low-down creative financing options available, there are a few traditional financing options that require a "low down payment." In this mini-class, we will cover these options.

Check out the video from this class here:

Low Down Payment Financing Options for Real Estate Investors - Video

In this class, James discusses:

• FHA 3.5% down payment loans (especially for house hackers and Nomads™)
• Conventional 3% and 5% down payment loans (especially for house hackers and Nomads™)
• Low down payment financing options
• Creative financing
• Owner financing
• Wrap financing
• Loan assumption
• Rent to own, lease to own, lease-option, lease-purchase
• Installment land contract, contract for deed, etc
• Subject to
• Private money and hard money
• Local banks
• 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 Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Property prices and interest rates are currently high, while rents are not keeping up. Achieving cash flow has become even more crucial and challenging than ever, despite our 88 strategies to maximize it.

One common question that arises is whether it is better to purchase rental properties with 20% down payments or to invest in stocks. Buying rental properties with 20% down allows you to use leverage, which can significantly magnify both good and bad returns. Therefore, selecting the right investment property is crucial to your success or lack thereof.

To be fair, you could also leverage yourself by investing in stocks to a lesser degree. However, we won’t be discussing this in this particular comparison class.

Owning rentals requires a more active approach than passively investing in stocks. Is the extra work worth the extra effort? How much better or worse is it?

In this special class, James will compare the two strategies across 300 US markets, as the numbers differ depending on local market prices, rents, and income. Which strategy - 20% down or stocks - leads to a higher net worth? Which gets you to financial independence faster? Which is safer, and which carries more risk? And much more.

After attending this class, you should have a clearer understanding of whether you should seriously consider saving up 20% down payments to acquire up to 10 rental properties or take the easier route of passively investing in the stock market.

Check out the video and interactive charts from this class here:

https://RealEstateFinancialPlanner.com/model/20-down-payment-versus-stocks/

Or, see Boston specific, detailed analysis of a variety of strategies here:

https://RealEstateFinancialPlanner.com/model/MA/Boston/

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Is Creative Financing Really Nothing Down?

Every real estate investor has heard stories of the amazing deals that can be found with creative financing, often involving instant equity from buying significantly below current fair market value with nothing down. While these deals do exist, they are not typical. So, what can an investor reasonably expect when it comes to creative financing deals that require no money up-front?

In this mini-class, James tackles this question head-on and examines whether lease-option, subject to, owner financing, and other popular creative financing deals are truly nothing down or if they require some money up-front.

Check out the video from this class here:

Is Creative Financing Really Nothing Down? - Video

In this class, James discusses:

• Nothing down financing options
• Creative financing
• Owner financing
• Wrap financing
• Loan assumption
• Rent to own, lease to own, lease-option, lease-purchase
• Installment land contract, contract for deed, etc
• Subject to
• Private money and hard money
• VA Loans and USDA Loans (especially for house hackers and Nomads)
• Local banks
• Plus, why these may be no down payment required, that doesn't mean no money required
• 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 Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Improving Cash Flow on Properties You Already Own

When real estate prices, mortgage interest rates, and rental rates are high, generating great cash flow from a rental property can be more challenging. However, it is also more important than ever to do everything in your power to maximize cash flow.

There are 88 strategies for improving cash flow on rental properties, with some powerful ones related to properties you already own. This mini-class covers the strategies for those properties, which make up the second largest group of strategies.

Check out the video of this class here:

Improving Cash Flow on Properties You Already Own - Video Recording

In this special mini-class for the Real Estate Financial Planner™ coaching program James covers:

• 88 Ways to Improve Cash Flow from Real Estate Rental Properties including the following...
• Improving cash flow by refinancing to extend the term
• Improving cash flow by refinancing to improve the interest rate
• Improving cash flow by paying off the loan completely
• Improving cash flow by correcting assessor info
• Improving cash flow by contesting tax increases with valid comps
• Improving cash flow by voting appropriately on tax related measures
• Improving cash flow by shopping your insurance rates
• Improving cash flow by evaluating your insurance coverage
• Improving cash flow by optimizing who is insured on your policies
• Improving cash flow by setting an appropriate insurance deductible for your situation/properties
• Improving cash flow by removing private mortgage insurance
• Improving cash flow by getting a discount for setting up autopay
• Improving cash flow by getting a discount for paying in full/early
• Improving cash flow by self managing
• Or, alternatively improving cash flow by hiring a professional property manager
• Improving cash flow by managing your property manager
• Improving cash flow by insisting that your team apply best practices
• Improving cash flow by maintaining your properties
• Improving cash flow by using quality materials
• Improving cash flow by accelerating depreciation
• Plus more...

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Nothing Down Financing Options for Real Estate Investors

Some real estate investors are obsessed with investing in real estate with no down payment. For some, it is a practical necessity because they don't have the funds for a down payment. For others, it's about boosting their return on investment.

Although there may be other local options and creative financing options available, there are two primary "no down payment" options for traditional financing. In this mini-class, we will cover these two traditional "no down payment" options.

Check out the video from this class here:

Nothing Down Financing Options for Real Estate Investors - Video

In this class, James discusses:

• Nothing down financing options
• Creative financing
• Owner financing
• Wrap financing
• Loan assumption
• Rent to own, lease to own, lease-option, lease-purchase
• Installment land contract, contract for deed, etc
• Subject to
• Private money and hard money
• VA Loans and USDA Loans (especially for house hackers and Nomads)
• Local banks
• Why no down payment may be at odds with improving cash flow and why it might not matter (depending on your goal)
• Why no down payment may not be no money required
• 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 Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Property prices and interest rates are high, while rents are lagging. Cash flow is both more important and harder to achieve than ever, even with our 88 strategies to improve and maximize it.

Another question common rises to the top of the list: I’m going to buy an owner-occupant property with 5% down first, but then… should you put 20% down when acquiring your rental properties, or should you save up a little more and put 25% down even if it means a slightly slower acquisition pace?

Putting 25% down does get you a slightly better interest rate and because you’re borrowing less cash flow is slightly better too. Will that make up for having to wait a little longer saving up for slightly larger down payments?

In this special class, James will conduct a thorough comparison of the two strategies across 300 US markets, as the numbers vary depending on your local market's prices, rents, and income.

Which strategy—20% down or 25% down—gives you a higher net worth? Which gets you to financial independence the fastest? Which is the safest, and which has the most risk? Plus much more.

After attending this class, you should have a much clearer understanding of whether you should seriously consider taking the extra time and effort to save up 25% down payments or push to acquire as quickly as possible with 20% down payments when acquiring up to 10 rental properties.

Check out the video and interactive charts from this class here:

https://RealEstateFinancialPlanner.com/model/20-versus-25-down-payment/

Or, see Boston specific, detailed analysis of a variety of strategies here:

https://RealEstateFinancialPlanner.com/model/MA/Boston/

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Selecting a Lender for Real Estate Investors

The top two, most commonly used dream team members for real estate investors are real estate agents and lenders. In this mini-class we will discuss how to select a lender to use as a real estate investor.

We will discuss some of the selection criteria I consider when choosing a lender to work with.

Check out the video from this class here:

Selecting a Lender for Real Estate Investors - Video

In this class, James discusses:

• The non-monetary considerations when selecting a lender for your real estate investing
• It's not always, exclusively about price
• Being a good Dream Team member
• Additional or fewer overlays
• Personality
• Accessibility and communication
• Going above and beyond
• Lender programs vary
• 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 Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Learn the secrets of short-term rental properties in Boston.

This class is Module 35 of 46 in a series called Real Estate Investing Secrets.

Topics covered in this module include:

• What are the different variations of short-term rentals and what are some of the pros and cons of each.
• What are the most common ways to finance properties that you’re utilizing as a short-term rental? And what are some of the more unusual ways?
• Are short-term rentals typically an active or passive investment?
• How long do you typically hold short-term rentals for? And, why might you change that?
• How do you typically exit a short-term rental? How does your buyer typically finance the purchase when they buy from you?
• Is the short-term rental strategy typically for real estate investors or real estate entrepreneurs… and what’s the difference?
• How much money is typically required to utilize the short-term rental strategy? What are some of the less common money requirements?
• What credit is required to buy short-term rentals? And, what are some less common credit-related requirements?
• What are the primary skills required for the short-term rentals business?
• Is the short-term rentals strategy actively or passively stable? And, what does that means in terms of the entire business blowing up in your face?
• How scalable is the short-term rentals strategy?
• What is your risk exposure when utilizing the short-term rentals real estate strategy? What are some of your risks? How does that increase with certain sub-strategies?
• How quickly do you make money when doing short-term rentals? What amount of money do you make at that interval?
• How does one typically find short-term rental deals? What are some of the more unusual ways to find deals?
• What do you use to analyze short-term rental properties?
• What are the ideal market conditions for the short-term rentals strategy and what is a challenging market to utilize this strategy in?
• How accessible or available are viable short-term rental properties?
• Can you utilize your retirement money with the short-term rentals real estate investing strategy?
• Plus much more...

Check out the video and additional resources related to Secrets of Short-Term Rentals.

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Improving Cash Flow When Marketing Your Property for Rent

When real estate prices, mortgage interest rates, and rent rates are high, generating great cash flow from a rental property can be challenging. However, it is more important than ever to maximize cash flow.

There are 88 strategies for improving cash flow on rental properties. Some are used when searching for properties, some when selecting a real estate investing strategy, and some when financing the property. Other strategies are utilized when marketing the property for rent.

This mini-class will cover the latter group, focusing on strategies to improve cash flow when marketing your property to rent.

Check out the video of this class here:

Improving Cash Flow When Marketing Your Property for Rent - Video Recording

In this special mini-class for the Real Estate Financial Planner™ coaching program James covers:

• 88 Ways to Improve Cash Flow from Real Estate Rental Properties including the following...
• Improving cash flow by optimizing the marketing you're using to rent the property
• Improving cash flow by maximizing your exposure when marketing the property for rent
• Improving cash flow by improving your sales and persuasion skills
• Improving cash flow by optimizing the showings
• Plus more...

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

WARNING: This is not our typical content.

Normally we teach real estate investing classes. This is not one of those classes.

May 20, 2023 is the 1-year anniversary of launching the new real estate investing podcasts.

To honor the anniversary, we’re recapping how the first year went including:

• Key milestones achieved
• Number of episodes published
• Number of podcast downloads
• Number of subscribers
• How much money we made
• How much expenses were to run this business
• What are goals are for the future of the podcasts, substack and beyond
• Plus much, much more...

So, if you’re just interested in real estate investing... skip this recording.

However, if you’re interested to hear about the behind-the-scenes aspects of this podcast and see us build this in public, this is your chance to celebrate our first year together.

Happy anniversary!

Love,

James Orr

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

FHA Mortgage Insurance Premiums

New, lower mortgage insurance premium (MIP) rates will apply to mortgages insured by FHA on or after March 20, 2023. These rates were announced by HUD on February 22, 2023.

In this mini-class, James will discuss the improvements to FHA Mortgage Insurance Premiums, as well as their previous rates. Additionally, James will explain how this change could impact your cash flow if you decide to buy a property using FHA financing in the future, especially duplexes, triplexes, and fourplexes as a Nomad™ and/or house hacker.

Check out the video and interactive charts from this class here:

FHA Mortgage Insurance Premiums - Video

In this class, James discusses:

• What the FHA Mortgage Insurance Premium change is and when it goes into affect
• How much it will change cash flow on a typical real estate investor purchase
• What Private Mortgage Insurnace is
• What FHA Mortgage Insurance Premiums are (FHA MIP) and how much they are for a variety of situations
• 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 Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Property prices and interest rates are high, while rents are lagging. Cash flow is both more important and harder to achieve than ever, even with our 88 strategies to improve and maximize it.

Another question common rises to the top of the list: should you put 20% down when acquiring your rental properties, or should you save up a little more and put 25% down even if it means a slightly slower acquisition pace?

Putting 25% down does get you a slightly better interest rate and because you’re borrowing less cash flow is slightly better too. Will that make up for having to wait a little longer saving up for slightly larger down payments?

In this special class, James will conduct a thorough comparison of the two strategies across 300 US markets, as the numbers vary depending on your local market's prices, rents, and income.

Which strategy—20% down or 25% down—gives you a higher net worth? Which gets you to financial independence the fastest? Which is the safest, and which has the most risk? Plus much more.

After attending this class, you should have a much clearer understanding of whether you should seriously consider taking the extra time and effort to save up 25% down payments or push to acquire as quickly as possible with 20% down payments when acquiring up to 10 rental properties.

Check out the video and interactive charts from this class here:

https://RealEstateFinancialPlanner.com/model/20-versus-25-down-payment-no-oo/

Or, see Boston specific, detailed analysis of a variety of strategies here:

https://RealEstateFinancialPlanner.com/model/MA/Boston/

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Alternate Uses for Down Payments

It might seem obvious that the more money you save up for down payments, the more you can and maybe should put down as a means of improving cash flow.

But that might not always be the most optimal and effective strategy. In fact, there are a variety of other options available as alternatives that might improve how you look as a borrower and that may ultimately impact how well the property cash flows.

This mini-class discusses the alternate uses of down payments you might want to consider that can improve cash flow versus putting more down.

Check out the video and interactive charts from this class here:

Alternate Uses for Down Payments - Video

In this class, James discusses:

• Improving how you look as a borrower
• Using down payment to boost your reserves
• Using down payment to pay off other debt
• Using down payment to buy down interest rate
• Using down payment to pre-pay Private Mortgage Insurance (PMI)
• Using down payment to lower your LTV to improve interest rate and/or rid yourself of PMI
• 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 Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

The World's Greatest Real Estate Deal Analysis Spreadsheet™ Updated

I know this sounds controversial, but I'll say it because it is true: everyone else's deal analysis spreadsheet for buying rental properties is wrong.

How?

First, they don't take into account that you MUST have reserves to buy rental properties. A correct deal analysis spreadsheet will take into account both the return you earn on the reserves you need to set aside to prudently buy rentals and take those reserves into account when calculating your return on investment. The "investment" part of the "return on investment" calculation must include the reserves you need to set aside. The World's Greatest Real Estate Deal Analysis Spreadsheet™ does this correctly.

Besides ignoring the fifth return... the one from reserves... hardly any deal analysis spreadsheets take into account the four areas of return: appreciation, debt paydown, Cash Flow from Depreciation™ and the one most do include... cash flow. The World's Greatest Real Estate Deal Analysis Spreadsheet™ does look at all 5 areas of return.

If you happen to be in a market where it is difficult to cash flow with little or nothing down and you choose to put little or nothing down, you're likely to have negative cash flow. Negative cash flow is really deferred down payment... if you put more down, you could get rid of it. But sometimes investors choose to put little or nothing down and therefore choose to pay a deferred down payment (aka negative cash flow) over time. Well, if your spreadsheet does not correctly calculate you setting aside the cumulative negative cash flow you need to prudently, more conservatively make your investment... then it is not analyzing deals correctly. The World's Greatest Real Estate Deal Analysis Spreadsheet™ does allow you to model setting aside your cumulative negative cash flow to analyze your low down and nothing down deals with deferred down payments correctly.

If your old deal analysis spreadsheet does not focus on return on equity... and more specifically your return on the equity you'd have net of all the expenses to access that equity like closing costs, real estate commissions, capital gains taxes, and depreciation recapture taxes... then it is not analyzing deals correctly. The World's Greatest Real Estate Deal Analysis Spreadsheet™ does look at your return on equity... and specifically your return on True Net Equity™ and the cost to access that equity.

And if your deal analysis spreadsheet is useless after you acquire the property, it is doing it wrong. The World's Greatest Real Estate Deal Analysis Spreadsheet™ allows you to update the returns you're earning on your property over time to track the performance of your deal.

Discover some of the updates we made to The World's Greatest Real Estate Deal Analysis Spreadsheet™ in this mini-class.

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Improving Cash Flow When Considering Your Real Estate Investing Strategy

When prices are high, mortgage interest rates are high, and rents are lagging, it can be more challenging than ever to generate great cash flow from a rental property. However, it is also more important than ever to do everything in your power to maximize cash flow.

There are 88 strategies for improving cash flow on rental properties, and some of the most powerful are related to the strategy you use for the property you are purchasing. This mini-class covers all the cash flow improving strategies related to your chosen strategy.

Check out the video of this class here:

Improving Cash Flow When Considering Your Real Estate Investing Strategy - Video Recording

In this special mini-class for the Real Estate Financial Planner™ coaching program James covers:

• 88 Ways to Improve Cash Flow from Real Estate Rental Properties including the following...
• Strategies to improve cash flow by changing the term (short-term rental, medium-term rental, long-term rental)
• Strategies to improve cash flow by utilizing the lease-option, lease-purchase family of strategies
• Strategies to improve cash flow by selecting a niche to serve
• Strategies to improve cash flow by house hacking including: getting roommates, renting by the bed/bedroom, renting by parts
• Plus more...

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

What is the ideal down payment when purchasing a rental property?

While some real estate investors may barely scrape together the minimum down payment, there are advantages to putting down more. Additionally, changing your strategy to allow for a smaller down payment may also have advantages.

In this mini-class, James discusses how different down payment amounts can affect interest rates, overall return on investment, and changes you are likely to see in both interest rate and cash flow.

Check out the video and interactive charts from this class here:

https://refp.substack.com/p/how-much-should-you-put-down-when

In this class, James discusses:

• Not just down payment... total cost to close + reserves + probably cumulative negative cash flow
• How much should you put down?
• Interest rates vary based on owner-occupant and non-owner-occupant
• Interest rates vary based on loan program
• Interest rates vary based on down payment
• Return in dollars - what changes and what stays the same?
• Return on investment - how does it change with various down payment options
• Chart showing effective interest rate for various down payment options (owner-occupant and non-owner-occupant investor loans)
• Chart showing monthly payments for various down payment options (owner-occupant and non-owner-occupant investor loans)
• Chart showing difference in monthly payment (and therefore cash flow) for the same down payment
• Chart showing return in dollars for various down payment options (owner-occupant and non-owner-occupant investor loans)
• Chart showing return on investment for various down payment options (owner-occupant and non-owner-occupant investor loans)
• 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 Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Property prices and interest rates are high, while rents are lagging. Cash flow is both more important and harder to achieve than ever, even with our 88 strategies to improve and maximize it.

But a debate still remains: should you use smaller 5% down payments with the Nomad™ real estate investing strategy to acquire your rental properties, or should you save up 20% and buy non-owner-occupant properties at a slightly slower pace?

In this special class, James will conduct a thorough comparison of the two strategies across 300 US markets, as the numbers vary depending on your local market's prices, rents, and income.

Which strategy gives you a higher net worth? Which gets you to financial independence the fastest? Which is the safest, and which has the most risk? Plus much more.

After attending this class, you should have a much clearer understanding of whether you should seriously consider the Nomad™ strategy or opt for a slightly slower pace with 20% down payments when acquiring up to 10 rental properties.

See how putting 5% down compares to putting 20% down to acquire 10 properties compares in 300 US cities.

Check out the video and interactive charts from this class here:

https://RealEstateFinancialPlanner.com/model/nomad-versus-20-down-payment/

Or, see Boston specific, detailed analysis of both the Baseline Nomad™ strategy and 20% down payment strategy here:

https://RealEstateFinancialPlanner.com/model/MA/Boston/

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

How to Get the Down Payment When Buying Rental Properties

There are two primary ways to deal with down payments when buying rental properties: first you can REDUCE the need for them and second you can focus on ways to PRODUCE the down payment required. In this mini-class, James discusses strategies to produce the down payments when buying rental properties.

Check out the video of this class here:

How to Get the Down Payment When Buying Rental Properties - Video Recording

In this special mini-class for the Real Estate Financial Planner™ coaching program James covers:

• We're not just talking about down payment... but...
• Reduce and Produce
• Will it work for me? Fools will... and intelligent, gritty, resolved people will...
• “Investment Cards” (aka Credit Cards)
• Security Deposit
• Maintenance Reserves
• Property equity
• Depreciation
• Retirement Account
• Family Members (Legacy Nomad™)
• Sell stuff you don’t need or want
• Saving
• From regular job, part-time, extra job, business to fund your retirement (or build your fortune)
• Partnering
• Rents (including House Hacking)
• Lease-Option Fees
• Plus more...

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Learn the secrets of improving cash flow by buying down your mortgage interest rates on rental properties in Boston.

This class is Module 34 of 46 in a series called Real Estate Investing Secrets.

Topics covered in this module include:

• How improving cash flow by buying down your mortgage interest can help you get to financial independence faster and with less risk
• One way of calculating the benefit of buying down your mortgage interest rate and a better, more sophisticated metric I’d probably use
• We’re focusing on buying down mortgage interest rates when buying a property, but similar math could be applied when doing cash out refinances, cash in refinances, rate and term refinances or recasting a mortgage
• The big picture: buying down mortgage rates and receiving credits for taking higher rates
• How long does the mortgage buy down last
• What’s a point and how to calculate them
• Can I use credits to fund my down payment
• What is par rate and how to get par rate when talking to lenders
• Your options if you find yourself with extra money after your minimum total cost to acquire a property (down payment, reserves, closing costs, rent ready costs, cumulative negative cash flow/deferred down payment, etc)
• Comparing putting more down versus buying down your mortgage interest rate
• A sample mortgage buy down table from a lender and how to read it
• Downloadable spreadsheet for analyzing mortgage buy downs
• How to use the spreadsheet
• What are vanity rates and how to deal with them
• Using the spreadsheet to take advantage of market inefficiencies
• Use the spreadsheet to automatically calculate simple and compound rates of return for various mortgage buy downs
• Comparing the return in dollars for putting more down or buying down mortgage interest rates
• Including improved equity growth in our comparisons
• When you should not buy down your mortgage
• How to determine if you should buy down your mortgage interest rate or pre-pay PMI instead
• Plus much more...

Check out the video and additional resources related to Secrets of Buying Down Mortgage Interest Rates.

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Improving Cash Flow When Financing Your Next Rental Property

When prices are high, mortgage interest rates are high, and rents are lagging, it can be more challenging than ever to generate great cash flow from a rental property. However, it is also more important than ever to do everything in your power to maximize cash flow.

There are 88 strategies for improving cash flow on rental properties, with the largest number of strategies related to financing the rental property. This mini-class covers all the cash flow improving strategies related to financing your rental property.

Check out the video of this class here:

Improving Cash Flow When Financing Your Next Rental Property - Video Recording

In this special mini-class for the Real Estate Financial Planner™ coaching program James covers:

• 88 Ways to Improve Cash Flow from Real Estate Rental Properties including the following...
• Strategies to improve cash flow before getting the loan
• Strategies to improve cash flow by paying upfront instead of financing
• Strategies to improve cash flow by changing/improving the borrower(s)
• Strategies to improve cash flow by improving the relationship with the lender
• Strategies to improve cash flow by changing the amortization schedule with the loan
• Strategies to improve cash flow by changing the loan terms
• Strategies to improve cash flow by improving Private Mortgage Insurance (PMI)
• Strategies to improve cash flow by using other properties you own
• Strategies to improve cash flow by uising non-traditional financing options
• Plus more...

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Reduce the Need for Down Payments When Buying Rental Properties

There are two primary ways to deal with down payments when buying rental properties: first you can REDUCE the need for them and second you can focus on ways to PRODUCE the down payment required. In this mini-class, James discusses strategies to reduce the need for down payments when buying rental properties.

Check out the video of this class here:

Reduce the Need for Down Payments When Buying Rental Properties - Video Recording

In this special mini-class for the Real Estate Financial Planner™ coaching program James covers:

• We're not just talking about down payment... but...
• Reduce and Produce
• Will it work for me? Fools will... and intelligent, gritty, resolved people will...
• Minimize price to minimize down payment and some warnings with this strategy
• A discussion of an image from Gary Keller's book The Millionaire Real Estate Investor
• Strong seller's markets
• Nothing down financing options
• Creative financing options
• Plus more...

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

How Much Down Payment for Investment Property?

Check out the video of this class here:

https://realestatefinancialplanner.com/how-much-down-payment-for-investment-property/

In this special mini-class for the Real Estate Financial Planner™ coaching program James covers:

• The two primary groups of loans for real estate investors...
• How much down payment for an investment property?
• Which loans are good for Nomads™ and house hackers in Boston?
• The no money down real estate investor loan options.
• What's interesting about hard money loans, private loans and creative financing?
• Plus more...

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

What does a real estate agent do when you're buying a rental property? What are you use responsbible for? What do each of your other dream team members do?

In this special mini-class for the Real Estate Financial Planner™ coaching program James covers:

• What's the difference between a real estate agent, broker and Realtor?
• A word on local variation from market to market and how to find out exactly what is different in your market.
• The key roles and responsbilities when buying a rental property and who does what with an emphasis on what your real estate agent does.
• A list of additional things you should be concerned on that your real estate agent probably won't do, but that you should do as the owner of a real estate investing business.

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Don't wait until after you own your rental property to start optimizing cash flow. In this special recording, James discusses all the strategies for improving cash flow while you're actively searching for the next rental property to buy.

In this special mini-class for the Real Estate Financial Planner™ coaching program James covers:

• Real Estate Agent Selection - Besides all the things that a typical real estate agent might be able to do like help you select a better cash flowing rental property, negotiate a better deal on your behalf, refer you to quality, good value dream team members… your real estate agent may also be able to rebate part of their commission back to you at closing and you could use that money to improve cash flow. One way to improve cash flow with the rebated commission is to buy down your mortgage interest rate.
• Lock/Float Your Mortgage Interest Rate - Lock in your mortgage interest rate while searching for properties to avoid having rates rise while you’re finding your next rental property.
• Search for Less Expensive Properties - Buying less expensive properties and getting the same rent you’d get on higher priced properties can improve cash flow.
• Search for Pretty Properties - Use money you would otherwise use for fixing up properties to buy down the interest rate might result in improved cash flow.
• Search for Seller Concessions - Look for properties where sellers are willing to contribute some money toward your closing costs. You could use their contributions to improve cash flow by buying down the interest rate.
• Search for Creative Financing - Find properties where the terms of the loan aren’t directly dictated by the lender but negotiated between buyer and seller.

This covers one section of the 88 Ways to Improve Cash Flow from Real Estate Rental Properties.

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

When should you upgrade or do improvements to your rental property? How do you tell if it is worthwhile doing the improvements/upgrades?

In this special mini-class for the Real Estate Financial Planner™ coaching program James covers:

• Where are we as we improve rental property cash flow/now?
• Distinctions between BRRR/R and taking advantage of forced appreciation for a quick sale and keeping a rental for long-term wealth building and cash flow/now.
• How Return Quadrants™ are impacted by upgrades.
• A look at Return in Dollars Quadrants™.
• A look at Return on Investment Quadrants™.
• A look at Return on Equity Quadrants™.
• How to determine if you should do the upgrades/improvements or not... will it improve returns (with a math example)
• Will doing the upgrade/improvement make your return better or worse? A quick, math-based, decision-making thought process.
• The simple math discussion
• The more complicated math discussion including how to do it using Internal Rate of Return (IRR)

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

The Your Financial Independence module for the new Real Estate Financial Planner Coaching program for folks looking to buy a property in the next 90 days that will move them closer to financial independence despite high prices, high interest rates and lagging rents.

James covers:

• Does buying this property move you closer to your goal of being financially independent?
• What financial independence is using the Financial Independence Definition Star
• The Phases of Financial Independence™
• The Stages or Milestones of the financial independence journey
• The Ultimate Financial Independence Retire Early Budget™
• FIRE Belgium's The Simple Path to Financial Independence infographic
• Having Cash Flow as a goal
• Why The First $100K Is The Hardest
• And the Property Lifecycle™

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Introduction to the Real Estate Financial Planner Coaching program for folks looking to buy a property in the next 90 days that will move them closer to financial independence despite high prices, high interest rates and lagging rents.

James covers the 7 steps all real estate investors should go through when buying a rental property and the 20 modules in the new coaching program for those looking to buy a rental property in the next 90 days.

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

What does financially independent mean? Find out in this special, deep-dive podcast episode.

James defines financially independent:

• Passive Income from things like social security, pensions and annuities
• Net positive cash flow from rental properties
• Safe withdrawal rate times other invested assets like stocks and bonds

James discusses how you need to have clarity on what financial independence looks like for you... especially as a real estate investor... and then what you need to do to get there.

What you NEED to be financially independent is your ultimate destination. That's what your budget looks like when financially independent.

What you choose to invest in is the path to financial independence. That's your action plan.

James provides you with The Ultimate FIRE Budget so you can plan your budget now, when you're at lean FIRE and when you're at fat FIRE... and specifically what your sources of income are for being financially independent at each of those three stages.

James also discusses Warren Buffett's two list strategy as described by James Clear and how that applies to real estate investors seeking financial independence.

Bonus conversation about whether you should pay off your primary residence or not and how that has far reaching implications on other financial questions.

Watch the video version of this class:

https://realestatefinancialplanner.com/what-does-financially-independent-mean/

Resources Mentioned In Class

• The Ultimate FIRE Budget - Determine what your budget and investments look like now, when you're lean FIRE and when you've achieved fat FIRE with this free video and spreadsheet download.
• Boston, Massachusetts Real Estate Modeling - Click on the link to copy any Scenario for Boston, Massachusetts to have James walk you through any calculation including Cash on Cash Return on Investment for any property used in the modeling.

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Learn how to calculate Cash on Cash Return on Investment for rental properties in Boston.

James walks you through, step-by-step, how to calculate Cash on Cash Return on Investment for rental properties in Boston including all the sub-calculations including Gross Potential Income (GPI), Gross Operating Income (GOI), Operating Expenses (OpEx), Net Operating Income (NOI), and Cash Flow. And, where to get every number you'll need to do the calculations yourself.

Find out why it is hard to give you an idea of what a typical Cash on Cash Return on Investment calculation might be on properties.

Learn how Cash on Cash Return on Investment is similar to Cap Rate and, more importantly, how it is different.

Plus, James will show you how to have The World's Greatest Real Estate Deal Analysis Spreadsheet™ (free spreadsheet download) do the Cash on Cash Return on Investment calculation for you.

See the Cash on Cash Return on Investment calculation with the newest spreadsheet: James's Visual Cash on Cash Return on Investment Calculator for Rental Property™ and the Improve Cash on Cash Return on Investment Focuser™ to see where to focus your energy to improve Cash on Cash Return on Investment with the least effort. Or, see another new spreadsheet: Rental Portfolio Cash on Cash ROI for tracking Cash on Cash Return on Investment on properties in your portfolio.

Watch the video version of this class:

https://realestatefinancialplanner.com/cash-on-cash-roi/

Resources Mentioned In Class

• Return Quadrants™ - Learn about all the different Return Quadrants™ and how we use them to show you how a property is performing.
• Boston, Massachusetts Real Estate Modeling - Click on the link to copy any Scenario for Boston, Massachusetts to have James walk you through any calculation including Cash on Cash Return on Investment for any property used in the modeling.

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Learn the secrets of comparable sales to determine property value in Boston.

This class is Module 33 of 46 in a series called Real Estate Investing Secrets.

Topics covered in this module include:

• How do you know if you’re paying a good price for a property you’re buying (not too high)?
• How do you know if you’re getting for a good price for a property you’re selling (not too low)?
• Why use comparable sales to determine a property’s value
• What makes a property comparable?
• What are the most important factors for finding true comparable properties?
• How do you find comparable sales to use?
• How to use sold comparable sales and how to use active for sale properties when doing comps
• What range of square footage should use for comparable sales?
• How do you deal with outliers?
• What should you use for proximity when determining comps?
• How do you compare properties of different types or styles?
• How do you deal with the age of a property for comps?
• Narrowing the net to come up with a handful of really good comps
• Addressing your current competition in actively listed, comparable properties
• Reconciling asking price versus sold price
• Why and when you might want to get access to the MLS
• A warning when you can’t find many comps
• What are the value of upgrades when comparing properties?
• What is so important about market-based adjustments?
• Stable markets versus changing markets: how far back should you go for sold comps?
• Comping income properties versus owner-occupant properties
• List of websites to get free comps from
• How accurate are automated valuations (like Zillow, Redfin, etc)?
• Determining value and comparable sales
• Walking through a property’s value on the free comp websites as an example
• A tool for plotting square footage versus price to determine your property value
• The importance of buyer’s eyes as the final step when determining price
• Plus much more...

Check out the video and additional resources related to Secrets of Comparable Sales.

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Learn how to calculate cap rate on rental properties in Boston.

James walks you through, step-by-step, how to calculate capitalization rate (cap rate) on rental properties in Boston including all the sub-calculations including Gross Potential Income (GPI), Gross Operating Income (GOI), Operating Expenses (OpEx), and Net Operating Income (NOI). And, where to get every number you'll need to do the calculations yourself.

Find out what a typical cap rate might be including some historical cap rates for a variety of investment types.

Learn how cap rate is similar to Cash on Cash Return on Investment and, more importantly, how it is different.

Plus, James will show you how to have The World's Greatest Real Estate Deal Analysis Spreadsheet™ (free spreadsheet download) do the cap rate calculation for you.

See the cap rate calculation with the newest spreadsheet: James's Visual Cap Rate Calculator for Rental Property™ and the Improve Cap Rate Focuser™ to see where to focus your energy to improve cap rate with the least effort. Or, see another new spreadsheet: Rental Portfolio Cap Rates for tracking cap rates on properties in your portfolio.

Watch the video version of this class:

https://realestatefinancialplanner.com/cap-rate/

Resources Mentioned In Class

• Return Quadrants™ - Learn about all the different Return Quadrants™ and how we use them to show you how a property is performing.
• Boston, Massachusetts Real Estate Modeling - Click on the link to copy any Scenario for Boston, Massachusetts to have James walk you through any calculation including Cap Rate for any property used in the modeling.

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

Real estate prices in Boston are high. Mortgage interest rates are high. Rents are lagging in Boston. Is real estate a good investment in Boston right now?

In this special webinar James discusses why you might still want to invest in real estate in Boston despite high prices, high interest rates, and lagging rents.

James will discuss why Charlie Munger says that the first $100K is the hardest. Plus, why its not ALWAYS just about cash flow with real estate investments and why you still might want to invest in real estate in Boston despite our current market conditions.

James has modeled just over 300 different US cities for this class for you to choose from, jump right to Boston:

https://RealEstateFinancialPlanner.com/model/MA/Boston/

Watch the video version of this class:

https://realestatefinancialplanner.com/why-you-still-might-want-to-invest-in-real-estate-despite-high-prices-high-interest-rates-and-lagging-rents/

Resources Mentioned In Class

• First $100K is the Hardest - Learn the surprising math behind why the first $100K is the hardest to acquire and what you should do about it.
• Return Quadrants™ - Learn about all the different Return Quadrants™ and how we use them to show you how a property is performing.
• Model - Select Boston, Massachusetts and see the Baseline Nomad™ Scenario, 20%/25% down, and buying properties for cash and how it performs in your city.

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.

The Nomad™ real estate investing strategy has you buying properties as an owner-occupant, living in them for at least a year… to fulfil your obligations to the lender for getting a low/nothing down loan with better interest rates… then converting them to a rental and moving into a new property.

Repeat this until you have the number of rental properties you desire.

But, how does the Nomad™ real estate investing strategy work in Boston with Boston housing prices, rents, taxes, insurance and rents with today’s interest rates?

How quickly can you achieve financial independence using the strategy?

How risky is the strategy?

In this class, James will walk you through the basics of the Nomad™ real estate investing strategy including all the assumptions we used for Boston and you can see exactly how effective… or ineffective… the Nomad™ strategy is in Boston with Boston, Massachusetts numbers.

BONUS: Plus, you’ll be able to copy the Scenario into your own Real Estate Financial Planner™ account to modify any of our assumptions that you think we might have got wrong and see how that impacts the plan.

James has modeled just over 300 different US cities for this class for you to choose from, jump right to Boston:

https://RealEstateFinancialPlanner.com/model/MA/Boston/

Watch the video version of this class:

https://realestatefinancialplanner.com/real-estate-nomad-in-your-city/

Resources Mentioned In Class

• Cash Flow Power Meter™ - Learn about the Cash Flow Power Meter™ that appears at the top of assumptions for every property.
• Return Quadrants™ - Learn about all the different Return Quadrants™ and how we use them to show you how a property is performing.
• Everything You Learned About Deal Analysis is Wrong – ROIQ+R™ - A full class on the Return Quadrants™ and both the why we use reserves in our return calculations and how to use reserves when doing these cacluations.
• Model - Select YOUR CITY and see the Baseline Nomad™ Scenario.
• Real Estate Investor FIRE - Learn about the different types of Financial Independence Retire Early (FIRE) for real estate investors with this full class.
• Asset Allocation Secrets of Real Estate Investors - Learn about asset allocation for real estate investors in this special class recording.
• The Ultimate Guide to Private Mortgage Insurance - Learn all about Private Mortgage Insurance (PMI) in this special class recording.

Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ 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 Boston real estate investor podcast? Book a free consultation to discuss.