Podcasts about Refinancing

HE BUILT THE DREAM AND ALMOST LOST HIMSELF IN IT.Emanuele Pani went from mopping floors and fixing leaks…to owning nearly every unit in his building.But success wasn't what he expected.In this episode, you'll hear:How he bought 39 out of 40 units using seller financing & hustleWhat happened when COVID hit, no grace period, no backup planThe creative deals that made it all possible (and profitable)Why burnout and identity loss followed after the winHow he rebuilt his purpose with long-term hospitality and legacy in mindThis isn't a how-to. It's a how-he-did-it.From broke to burned out and back to intentional growth.04:30 – From Cleaning Units to Closing Deals: The Hustle Years Begin09:00 – Bold First Move: Buying 12 Apartments with No Credit13:30 – Managing Chaos: Mortgages, Maintenance, and Mentality18:00 – Refinancing & Reinvesting: How One Refi Fueled the Next Level22:30 – Rising Too Fast: Distractions, Syndications, and Burnout27:00 – The Redemption Plan: 18-Unit Acquisition Through Sheer Will31:30 – Pandemic Pivot: Surviving COVID with Mid-Term Mastery36:00 – The Final Two: Closing the Hardest Sales with Strategic Leverage41:00 – Full Circle Wealth: STR Structure, Community, and Long-Term VisionGet FREE Access to our Community and Weekly Trainings:https://group.strsecrets.com

HE BUILT THE DREAM AND ALMOST LOST HIMSELF IN IT.Emanuele Pani went from mopping floors and fixing leaks…to owning nearly every unit in his building.But success wasn't what he expected.In this episode, you'll hear:How he bought 39 out of 40 units using seller financing & hustleWhat happened when COVID hit, no grace period, no backup planThe creative deals that made it all possible (and profitable)Why burnout and identity loss followed after the winHow he rebuilt his purpose with long-term hospitality and legacy in mindThis isn't a how-to. It's a how-he-did-it.From broke to burned out and back to intentional growth.04:30 – From Cleaning Units to Closing Deals: The Hustle Years Begin09:00 – Bold First Move: Buying 12 Apartments with No Credit13:30 – Managing Chaos: Mortgages, Maintenance, and Mentality18:00 – Refinancing & Reinvesting: How One Refi Fueled the Next Level22:30 – Rising Too Fast: Distractions, Syndications, and Burnout27:00 – The Redemption Plan: 18-Unit Acquisition Through Sheer Will31:30 – Pandemic Pivot: Surviving COVID with Mid-Term Mastery36:00 – The Final Two: Closing the Hardest Sales with Strategic Leverage41:00 – Full Circle Wealth: STR Structure, Community, and Long-Term VisionGet FREE Access to our Community and Weekly Trainings:https://group.strsecrets.com

In today's Banking With Life Q&A, James answers questions such as, "Why dismiss velocity banking if it helps set the table for IBC?", "Is using a one-year renewable term rider a bad idea?", "What's the core issue with refinancing and losing control of the banking function?", and more! As always, we hope you enjoy and thank you for listening!1. 0:22 - Refinancing now—lack of banking control is the real issue.2. 2:12 - Should a one-year renewable term be part of a policy?3. 5:52 - Why dismiss velocity banking as a bridge to IBC?4. 25:07 - Appreciate BWL—great service and genuine support!Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client! ➫ www.bankingwithlife.com/how-t...Buy Nelson Nash's 6.5 hour Seminar on DVD here: ➫ www.bankingwithlife.com/produ... (Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking... ➫ www.bankingwithlife.com/getti...━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here: ➫ www.bankingwithlife.com/produ...━━━Learn more about James Neathery here: ➫ bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts: ➫ podcasts.apple.com/us/podcast...Listen on your Android through Stitcher: ➫ www.stitcher.com/podcast/bank...Listen on Soundcloud: ➫ / banking-with-life-podcast━━━Follow us on Facebook: ➳ / jamescneathery━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

Do you want your owner clients to see you as more than just someone who handles repairs? To truly be an asset advisor, property managers need a solid understanding of property loans. In this episode, Marc chats with Josh Heinz of LendingOne, to demystify the world of property loans and lending.    They discuss the critical differences between individual and portfolio loans, and why this matters to property managers. Learn why choosing between a local bank and a private lender can significantly impact your client's investment strategy.    Josh also addresses common misconceptions held by both property managers and investors. Discover how understanding loan specifics can elevate your expertise and strengthen client relationships.    Whether you're a seasoned property manager or just starting, this discussion provides essential insights to enhance your service and better serve your investor clients. Tune in to gain knowledge that will position you as a true asset advisor.   Learn more about the LendingOne Growth Program here: https://lp.lendingone.com/grow   Manage more doors with less stress with LeadSimple!   Grow your property management business with PMW.   Rentvine - the property management software you can trust   To find out more about Marc's coaching services click here.   Join Marc's new property management Facebook group This podcast is produced by Two Brothers Creative.

What does today's market volatility really mean for your mortgage rate or next home purchase? Host Joe Cucchiara explores how recent market fluctuations are impacting interest rates and the housing market. He breaks down the economic factors contributing to fluctuating rates, such as inflation concerns, global events, and Fed policy. Joe discusses how these shifts affect homebuyers, sellers, and investors, emphasizing the importance of timing and flexibility in today's unpredictable environment. He also offers insights on refinancing strategies and the broader implications for long-term housing trends. Don't wait as this episode provides practical takeaways for anyone trying to make smart real estate decisions amid todays economic uncertainty.   To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk.  We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.  

In this episode, Criterion breaks down the latest property updates, dives into the impact of tariffs and inflation on commercial real estate, and explains how owning assets positions investors to win in any market cycle. Time Stamps: 0:00 Welcome back to the show! 1:11 Recent property tour highlights 4:03 Landon Square & Richmond deal updates 4:42 Fluorescent outparcel success story 7:13 Introducing today's topic: tariffs & inflation 8:15 How tariffs impact prices & inflation 10:00 Why inflation benefits asset owners 13:33 Rent growth & value-add strategies 17:00 Refinancing strategies in a recession 20:02 Final thoughts: Winning in any market *Be Sure to check us out on Spotify and Apple Podcasts for the Audio version of today's episode!** https://open.spotify.com/show/08KmNvqGV5HjmHUC8fLuce https://podcasts.apple.com/us/podcast/how-to-invest-in-commercial-real-estate/id1543470290 Leave a review and win FREE MERCH! https://maps.app.goo.gl/QaaSZnQVWre1HUMH6 Links mentioned in this episode: www.TheCriterionFund.com www.HowToInvestInCRE.TV Invest.HowToInvestInCRE.com To sign up for our exclusive investor list, click below. https://www.thecriterionfund.com/join-our-investor-list

In this segment, we tackle the challenges of using the BRRRR method in today's real estate market. Learn how to adapt your strategies by incorporating HELOCs as an alternative to refinancing. Discover how small adjustments can safeguard your investments and create opportunities for growth, even in uncertain economic conditions. RESOURCES:  [BACKFLIP] Struggling with property data and financing? Discover Backflip—the all-in-one platform that instantly analyzes properties, pulls high-quality comps, and provides fast evaluations. Plus, apply for loans directly through the app and get help choosing the right investment strategy. Transform your real estate investing today! Click HERE to download the Backflip app.  [OILI EXPERIENCE] Use code PODCAST10 to get 10% off your ticket to the Owning It and Living It Experience, November 1-3 in Atlanta, Georgia! Don't miss out on learning from top industry experts like Henry Washington, Kendra Barnes, Jackie and Preston Perry, Lecrae Moore, and more. Plus, I'm giving away a fully renovated house—this year only! No virtual tickets—be in the room to level up your real estate game and immerse yourself in a unique blend of culture and knowledge. Click HERE to get your ticket.  [FREE CONSULTATION] Looking to buy, sell, or invest in real estate in Atlanta? My team of expert, investor-friendly agents is here to help! Book a free 15-minute consultation with one of my agents today, and let's figure out your next move together. [FB GROUP] Loving the podcast and want to connect with me and our incredible guests? Join the Owning It and Living It Facebook group! It's your go-to spot for real estate tips, advice, and a supportive community of investors just like you. Join us today and let's take your real estate journey to the next level.  Erika Brown IG: @erikabrowninvestor LinkedIn: @erika brown Wealth Within Reach is produced by EPYC Media Network

Fresh Start With HomeStart - Episode 3 Buying a home in Adelaide can feel like an uphill battle with rising prices and a tough market. Enter HomeStart – for 35 years, they’ve been helping South Australians make homeownership a reality with innovative, low deposit home loans. In this episode, we’re joined by HomeStart CEO Andrew Mills to discuss how refinancing can be a game changer! Catch Episode 4 on Tuesday, May 6th, where we’re chatting about how grad loans can help those just starting their careers take the next steps into the property ladder! If you missed anything or want to find out more, head to homestart.com.au for all the details. See omnystudio.com/listener for privacy information.

This week we cover off on something that wont seem important now but trust me when I say, future you will be so glad you listen to this....

In this episode of The Smart Property Investment Show, Phil Tarrant sits down with mortgage expert Eva Loisance from Finni Mortgages to explore the advantages of refinancing and how it can help investors grow their property portfolio. The co-hosts talk about the growing trend of refinancing as many investors seek to secure lower interest rates, particularly with the recent RBA rate cuts, while discussing 10 other reasons to refinance beyond just securing a better rate. One reason to refinance is to secure a higher property valuation, which lowers the loan-to-value ratio (LVR) and unlocks better equity, with Eva pointing out that different banks have varying valuation methods, which can significantly impact a property's value. Refinancing also allows consolidating high-interest debts, like credit cards and car loans, into a single loan with lower repayments. Additionally, it enables extracting equity to fund new investments, accelerating property growth without needing a large deposit. Other reasons to refinance include consolidating bad debts, better policy terms, boosting capacity, and resetting the interest-only period. The co-hosts said investors who refinance their loans can access better mortgage products, improve loan features like offsets, and even switch to more favourable lenders by refinancing. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

Washougal School District is saving local taxpayers $2 million over the next decade by refinancing bonds at lower interest rates. Learn how this move impacts the community and what it means for future financial decisions. Read more at https://www.clarkcountytoday.com/news/washougal-school-district-attempts-to-save-taxpayers-money-through-bond-refinancing/ #WashougalSchoolDistrict #BondRefinancing #TaxpayerSavings #SchoolBoard #FinancialManagement #LocalNews #ClarkCountyWa

Thinking of investing in buy-to-let property? In this episode, we're joined by mortgage expert Tom, who shares crucial insights on the UK mortgage market, fixed vs. tracker rates, and the biggest mistakes landlords make when securing a mortgage. We also discuss refinancing strategies, the impact of interest rates, and how landlords can maximise their returns in 2025. Whether you're an experienced investor or just starting out, this episode is packed with valuable advice to help you navigate the buy-to-let market effectively!   Topics Covered: ✔️ Fixed vs. tracker mortgages – which is smarter in 2025? ✔️ How interest rates impact buy-to-let mortgages ✔️ Biggest mistakes landlords make when securing a mortgage ✔️ The power of overpayments – how to save thousands ✔️ Are landlords really exiting the market in 2025? ✔️ Refinancing strategies to boost rental profits ✔️ Green mortgages & EPC incentives – how landlords can benefit ✔️ Mortgage market predictions for the rest of 2025   Key Takeaways: Fixed Rates Provide Stability – Most landlords prefer fixed rates to plan their investments with certainty. Interest Rate Changes Don't Always Affect Mortgage Rates – Swap rates play a big role in fixed mortgage pricing. Overpayments Can Save Thousands – Rounding up your mortgage payments could save years of interest. Green Mortgages Offer Incentives – A & B EPC-rated properties can unlock better rates and cashback deals.   More About Our Guest: Tom Ashton – Mortgage Tribe Director & Advisor Email Tom: tom@mortgagetribe.co.uk Call Him: 07809 141140   Follow Us: Instagram: https://www.instagram.com/theinvestorscorner_/ Facebook: https://www.facebook.com/profile.php?id=61572857302483 TikTok: https://www.tiktok.com/@investorscornerpodcast   This episode is sponsored by Mortgage Tribe: Helping investors like you find the right mortgage deals and property advice. Website: https://www.mortgagetribe.co.uk Instagram: https://www.instagram.com/mortgage_tribe_/ Facebook: https://www.facebook.com/MortgageTribeLtd/  

Interest rates, market booms, crashes—there's always hype, but what's the reality? Nathan breaks down the uncertainty in the property market, what the media says, and how it all impacts buyer decisions. Tune in to the episode and get the real insights!

This episode is sponsored by...BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ 

This episode is sponsored by...BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ 

Divorce brings tough financial decisions, and one of the biggest is what to do with your home. Should you keep it, sell it, or refinance? And how do you sort through mortgage options while balancing credit, support payments, and financial stability?In this episode, I sit down with Amy Bell, Certified Divorce Lending Professional and  Mortgage Planning Specialist, to break down what you need to know about housing transitions during divorce. Listen in to learn how child support and alimony can affect mortgage approval, how to avoid common mistakes when it comes to credit, and more.For show notes and more, visit: https://tinyurl.com/mr3pk587

Podcast Episode Summary: Wisconsin Real Estate Today – Episode 55Title: Where Are Mortgage Rates Headed in 2025? Expert Insights with Dustin GrenierHost: John GscheidmeierGuest: Dustin Grenier, Epic Mortgage – Brookfield, WIEpisode Overview:In this must-listen episode of Wisconsin Real Estate Today, host John Gscheidmeier sits down with mortgage expert Dustin Grenier of Epic Mortgage to discuss where mortgage rates are today and where they could be headed in 2025.With economic uncertainty, a shifting political landscape, and differing views between the new presidential administration and Federal Reserve Chairman Jerome Powell, the housing market is at a crossroads. Will rates drop soon, or should buyers and homeowners prepare for higher costs?Key Topics Covered:

Join my Facebook group, Tax Strategies for Real Estate Investors, and become part of a community with 11,500+ high-level real estate investors ► Join here: ⁠https://www.facebook.com/groups/taxstrategyforinvestors⁠ In this episode, I sat down with Harrison Goldblatt, a real estate investor who has scaled to 60 units in just a few years. Harrison shares his journey from house-hacking his first property in Los Angeles to building a cash-flowing portfolio in Cleveland, Ohio. Along the way, he dives deep into the BRRRR method, leveraging value-add opportunities, and overcoming challenges in property management. Whether you're just starting out or looking to scale your portfolio, this conversation is packed with actionable strategies and valuable insights. Timestamps: 00:00:00 – Intro 00:01:00 – How Harrison Started in Real Estate: House Hacking in California 00:05:47 – First Property Numbers and Lessons Learned 00:09:09 – Scaling to 60 Units: Transitioning to Out-of-State Investing 00:14:03 – Using the BRRRR Method to Lower Investment Barriers 00:17:31 – Challenges with Refinancing and Avoiding Common Mistakes 00:20:22 – Lessons Learned from a Bad Deal in Detroit 00:24:13 – Importance of Mentors and Learning from Experienced Investors 00:29:27 – Tax Strategies: Cash-Out Refinancing and Depreciation 00:34:31 – Challenges of 1031 Exchanges and Managing Equity 00:39:04 – Beginner's Luck and the Risks of Overconfidence in Investing 00:42:20 – Property Management Pitfalls and Avoiding Scams 00:44:45 – Building a Community for Real Estate Investors Interested in working with me? Apply here: ► https://taxstrategy365.com/apply?el=podcast Let's connect! ► Instagram: https://www.instagram.com/ryanbakkecpa/ ► LinkedIn: https://www.linkedin.com/in/learnlikeacpa/ ► Twitter: https://x.com/RyanBakkeCPA ► Facebook: https://www.facebook.com/ryanbakkecpa ► TikTok: https://www.tiktok.com/@ryanbakkecpa *None of this is meant to be specific investment advice, it's for entertainment purposes only.

In this episode of The Smart Property Investment Show, Phil Tarrant and mortgage expert Eva Loisance from Finni Mortgages discuss the aftermath of the recent interest rate cut and its impact on investors. The duo explores how the rate cut affects investors, focusing on financial and psychological implications.  While the financial impact, such as reduced repayments and increased borrowing capacity, may seem modest, the rate cut has fuelled buyers' optimism and spending.  Eva said that since not all lenders will accept the rate cut, refinancing can be the solution for smart investors who want to take advantage of competitive rates.  The duo also urges investors to have a financial plan without overcomplicating investment structures for sustainable growth. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

Today I want to look at the question of refinancing after the RBA rate cut, and whether a long term fixed rate mortgage in Australia would be a good idea. While the ‘big four’ banks have committed to passing on the full 0.25 percentage point RBA driven rate cut to their customers, meaning those on … Continue reading "Would Refinancing Mortgages To Fixed 30 Year Loans Help Australians?"

Who Pays for Debt Accrued During the Marriage? | Los Angeles Divorce

In today's newscast, a new preliminary dataset from Moss Landing Marine Labs provides additional evidence linking the recent lithium-ion battery fire to elevated heavy metal levels in Elkhorn Slough soil. Plus, a refinancing move by the Marina Coast Water District saves $2.3 million.

With tech stocks struggling and market volatility rising, how do you navigate investment decisions?Cameron Dawson (@CameronDawson), Chief Investment Officer of New Edge Wealth, returns to the Futures Edge with Jim Iuorio and Bobby Iaccino to discuss the recent fluctuations in the NASDAQ, the concentration of tech stocks, and the implications of current policies on the economy. They explore the dynamics of the market, the potential pain points for investors, and the Federal Reserve's stance on interest rates. The conversation highlights the importance of understanding market sentiment, the role of small businesses, and the challenges posed by immigration policies. They also explore the implications of refinancing in the housing market, the dynamics of treasury debt and liquidity, and the political implications of tariffs and immigration on economic growth. They look closely at inflation drivers, the market outlook for 2025, and the significance of insider selling as a market signal.Takeaways-Cattle futures have seen a significant increase recently.-The NASDAQ sell-off reflects a tightly wound market.-Tech stocks have been disproportionately vulnerable.-The MAG-7 stocks may see reduced dominance going forward.-The economy's sensitivity to interest rates has changed.  The strength in housing may be linked to expectations of rate cuts.-Treasury debt dynamics are crucial for understanding liquidity in the banking system.-Wages have not been a significant inflation driver recently.-High-income earners are at risk from a falling equity market.-The market outlook for 2025 suggests volatility and potential sideways corrections.-Insider selling can indicate market sentiment but is not a definitive signal.-The balance of treasury issuance and interest rates is a complex issue.Chapters00:00 Introduction and Guest Introduction10:29 Tech Sector Concentration and Market Pain22:17 Federal Reserve's Position and Interest Rates28:00 Refinancing and Economic Activity36:02 Inflation Drivers and Economic Growth43:51 Market Outlook for 2025

Sean Zalmanoff, founder and chief loan officer of Better Rate Mortgage, covers an array of mortgage-related topics. The discussion delves into the various types of loans available, the importance of starting early in the mortgage application process, and practical tips for improving credit scores. Sean offers insights into mortgage refinancing, the benefits of different loan terms, and shares useful financial advice for both first-time homebuyers and seasoned borrowers. The episode emphasizes the importance of working with knowledgeable mortgage professionals for a smoother and more informed home-buying experience.[00:00] Introduction and Welcome[01:18] Encouraging Local Businesses[01:53] Challenges of the Restaurant Industry[03:00] Guest Introduction: Sean Zalmanoff[03:24] Sean's Journey into the Mortgage Industry[04:24] The Impact of 9/11 on the Mortgage Industry[05:09] Starting a Mortgage Business[08:44] The Great Recession and Its Aftermath[12:07] Modern Mortgage Industry Insights[15:19] Understanding Different Loan Types[17:46] The Importance of Financial Literacy[22:31] Break and Sponsor Messages[24:46] Return and Mortgage History[25:48] Get Ready: Essential Mortgage Preparation Tips[29:14] Credit Scores Demystified: What You Need to Know[30:36] Down Payments and Financial Planning[33:39] Smart Strategies for Managing Debt[44:11] The Importance of Pre-Approval[48:58] Choosing the Right Realtor and Loan Officer[53:20] Conclusion and Final ThoughtsTakeaways: Supporting local businesses in their first 60 days is crucial for their survival and growth. A simple word of encouragement can energize a new business owner and motivate them to keep going. When entering the mortgage market, starting the application process early can save time and stress later on. Understanding the different types of loans available can empower first-time buyers to make informed decisions. Refinancing can help save money, but it's essential to weigh the costs versus benefits before making a move. Choosing the right loan officer can make a significant difference in your mortgage experience and financial future. Home - Better Rate MortgageThis is Season 8! For more episodes, go to stlintune.comLinks referenced in this episode:betterratemortgage.comdredscottlives.orgCompanies mentioned in this episode: Fannie Mae Freddie Mac USDA Better Rate Mortgage Monster Mortgage#mortgageadvice #mortgagesolutions #mortgages #betterratemortgage #mortgagetips #fanniemaeloans #freddiemacloans #fhaloans #conventionalloans

https://pfgwm.com/wp-content/uploads/sites/2/2025/02/Investing-Simplified-02.09.25.mp3 Navigating the world of finance can be overwhelming, especially when biased advice and outdated strategies cloud the path to financial success. That's why Price Financial Group Wealth Management created Investing Simplified — a podcast dedicated to demystifying the complexities of finance and investing. Join our experienced hosts and guest experts as they break down financial concepts into practical, actionable insights. Whether you're a seasoned investor or just getting started, Investing Simplified is your go-to resource for honest advice and proven strategies to help you build a confident financial future. Meet the Hosts: Matt Mai - CIO & Wealth Manager Matt Sudol - COO & Wealth Manager Bo Caldwell - CCO & Wealth Manager Tune in and take charge of your financial journey with clarity and confidence! Schedule A Complimentary Consultation

This podcast features a conversation with a real estate investor who specializes in the "rent-by-the-room" strategy, particularly targeting college students near major universities. The guest shares their expertise on identifying suitable properties, adapting spaces to maximize rental income, and navigating financing challenges in this niche. Key Topics Discussed 1. Researching Locations and Understanding the Market Safety First: Tools like Reddit and CrimeGrade.org are invaluable for researching neighborhoods and identifying safe locations. Reddit provides direct insights into student preferences through word-of-mouth discussions. Student Preferences: Understanding what students seek in off-campus housing helps in selecting suitable properties. 2. Pricing and Rental Rates Use platforms like Facebook housing groups, Roomies.com, and Craigslist to determine average rental rates per bedroom. Pricing must align with the local market while ensuring profitability. 3. Maximizing Rental Income Repurposing Spaces: Convert bonus rooms, offices, or large living rooms into additional bedrooms to increase income. General Guidelines: Bedrooms must meet local egress and size requirements (typically 10x10 feet or larger). Estimating Bedroom Potential: Divide total square footage by 300 to estimate the number of bedrooms a property can support. 4. Financing Strategies Lenders typically use market-wide rental comps, even for rent-by-the-room setups. Refinancing to use actual rental income requires at least one year of ownership and showing income on tax returns. DSCR loans (Debt Service Coverage Ratio) may be harder to approve for room-by-room models during refinancing. 5. Target Tenant Base Focus on colleges with professional programs (e.g., medical, dental, law) where students stay for several years. Students are generally reliable tenants, with parents or financial aid often covering rent. Evictions are rare in this demographic. 6. Getting Started and Scaling Start with a single-family home and convert spaces to add bedrooms. Creating additional bedrooms is cost-effective (around $1,500–$2,500 per room). Once a system is established, the process can be repeated for future properties. 7. Advantages of Rent-by-the-Room Strategy Potential to net $1,500–$2,500 per month in cash flow per property. The U.S. has a vast market with colleges in every state, providing consistent tenant demand. Real estate investing offers compounding growth through leverage, equity paydown, and cash flow. Closing Thoughts The guest encourages new investors to consider this strategy due to its accessibility and profitability. They highlight the importance of developing a repeatable system to scale investments efficiently. Real estate investing provides financial independence and control over one's future. Resources: The guest offers a free guide and coaching program through their website, newbierealestateinvesting.com.

In this episode of the RE Social Podcast, hosts Andrew McCormick and Vince Rodriguez interview Jeff Chheuy, a San Diego-based investor who made the leap from his pharmacy career to full-time real estate investing. Jeff shares how his family's real estate background and his own drive led him to focus on long-distance investments, highlighting the financial benefits of targeting smaller markets. He dives into the strategies that help him maximize returns, including leveraging credit, working effectively with contractors, and staying ahead of state regulations. He also talks about the importance of mentorship, overcoming challenges, and building a solid foundation for long-term success. Don't miss this episode packed with actionable advice and inspiration. Listen to this episode now! Key Takeaways 00:00:00Welcome to the RE Social Podcast 00:00:21Jeff's Background and Career Shift 00:02:56His First Steps in Real Estate 00:05:40Lessons from Early Investments 00:08:56Challenges and Successes in STRs 00:11:08How to Explore New Markets 00:14:46West Virginia Investment Insights 00:21:03How to Use an Airbnb Calculator 00:25:43What to Focus on as an Investor 00:33:07Financing and Loan Strategies 00:38:31Property Details and Amenities 00:40:59Revenue and Refinancing 00:52:42Challenges with Contractors 00:58:15Real Estate Market Insights 01:02:21Future Plans and Advice 01:08:05How to Connect with Jeff Resources and Links Airbnb Calculator https://rabbu.com/ Connect with Jeff https://www.instagram.com/jeffchheuy/ https://www.youtube.com/@jeffchheuy https://teeco.co/who-we-are Need Help? BOOK A CALL: https://anviinvest.com/consulting/  Learn more about AnVi Invest

Property refinancing is a powerful real estate investing strategy. In this episode, Charles discusses how to maximize investment returns by using refinancing. Links Referenced in Episode: SS157: How to Prepare Your Property for Sale or Refinancing - https://youtu.be/XRfyaXTJ0b4 Connect with the Global Investors Show, Charles Carillo and Harborside Partners: ◾ Setup a FREE 30 Minute Strategy Call with Charles: http://ScheduleCharles.com ◾ Learn How To Invest In Real Estate: https://www.SyndicationSuperstars.com/  ◾ FREE Passive Investing Guide: http://www.HSPguide.com ◾ Join Our Weekly Email Newsletter: http://www.HSPsignup.com ◾ Passively Invest in Real Estate: http://www.InvestHSP.com ◾ Global Investors Web Page: http://GlobalInvestorsPodcast.com/

What's next for student loan borrowers in a world of shifting repayment plans and interest rates? Financial planner Sim Terwilliger, CFP®, CSLP®, joins us to break down the potential repeal of the SAVE plan and how it could reshape repayment strategies. We explore why PAYE or IBR might take center stage, when refinancing could make sense, and why it's always a case-by-case decision. If you're PSLF-eligible or unsure how these changes impact your financial future, this episode has the answers you need. Key moments: (01:51) PAYE might be the go-to repayment plan if SAVE is repealed (and we think it will be) (07:04) Refinancing your loans could make sense, but it isn't for everyone (16:08) The trade-offs of refinancing, including losing federal protections (22:30) Why refinancing is a no-go if you're PSLF-eligible Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

HR3 Kurt Rogers - Navigating the Housing Market: Rates, Refinancing, and Buying Insights 1-16-25 by John Rush

Home renovations can substantially increase your equity and cash flow on a rental property, but when doing one, there are two key things you need to pay attention to: budgets and timelines. Today, rookie real estate investor Rene Hosman is back to teach you how to do both after just finishing a three-month, $36,000 rental renovation where she turned an outdated apartment into a cash-flowing condo! Rene was able to rehab the entire unit (two bedrooms, one bathroom) with a budget of around $30,000, and although she may have gone slightly over, her returns look nothing less than phenomenal. How did she do everything—new floors, electrical, bathroom, AND furnishings—with such a reasonable budget? If you're ready to renovate your home or rental property, take her tips. Rene goes through every aspect of the project: the good (renting it out right after finishing) and the bad (a BIG flood in the master bedroom), plus everything in between. She'll share what she chose to DIY, what was smarter to hire out, and how she paid for it all. We also get the final numbers of the renovation—what the property appraised for AND how much it's renting for now! In This Episode We Cover: How to stay on budget and on timeline when doing your next home renovation  Unexpected costs that led to thousands of more dollars in renovation expenses  Whether you should buy the materials or let your workers buy them instead (cost-saving tip!) Furnishing your rental property for cheap and where Rene finds low-cost, quality furniture  How to negotiate with your bank so you can get a LOWER interest rate when you refinance  How much cash flow Rene will make off of this small (but mighty) medium-term rental  And So Much More! Links from the Show Ashley's BiggerPockets Profile Tony's BiggerPokckets Profile Join BiggerPockets for FREE Real Estate Rookie Facebook Group Real Estate Rookie YouTube BiggerPockets Forums $1,000,000/Year with 22 Rentals by Focusing on This Ultra-Profitable Niche w/Jesse Vasquez  Maximize Your Real Estate Investing with a Self-Directed IRA Join BiggerPockets Momentum 2025 to Supercharge Your Investing This Year Grab Your Copy of “The Book on Estimating Rehab Costs” Find Investor-Friendly Lenders How to Do Your FIRST House Flip in 2024: Budgets, Renovations, and Loans w/Rene Hosman Connect with Rene (00:00) Intro (01:07) Property Renovation Progress (03:35) How to Hit Your Renovation Timeline (06:56) Staying On-Budget (11:38) Unexpected Costs... (19:29) Building Your Renovation Budget (21:18) Paying for Materials and Rehab Expenses (30:42) Furnishing the Property (32:18) Refinancing and Rent Numbers (40:12) Connect with Rene! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-510 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2999: Discover when refinancing your mortgage could be a smart financial move and when it might not be worth the effort. This guide demystifies key factors like interest rates, loan terms, and closing costs to help you make informed decisions that align with your financial goals. Read along with the original article(s) here: https://marriagekidsandmoney.com/when-it-makes-sense-to-refinance-your-mortgage-when-it-doesnt Quotes to ponder: "Refinancing isn't always about lowering your interest rate; it's about aligning your loan with your long-term financial goals." "The savings from refinancing depend on how long you stay in the home after the refinance closes." "Don't let lower rates fool you into forgetting the upfront costs - it's the overall picture that counts." Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the RE Social Podcast, hosts Andrew McCormick and Vince Rodriguez sit down with their first major external investor, Steve Diaz also known as “Stevie D”, to uncover his inspiring story. They delve into his background, where he shares his work ethic and early jobs, illustrating his journey from working construction with his dad to buying his first car as a teenager. The conversation shifts to Steve's successful real estate investment journey, highlighting his partnership with them and the significant returns on his investments. They also discuss the importance of trust, finding reliable partners, and leveraging existing resources like 401Ks and stocks. They reflect on their strategic approach to real estate, leveraging, and the benefits of working with like-minded partners. The episode also covers various investment milestones and future plans, providing insightful advice for potential investors and emphasizing the values of collaboration and smart decision-making. Tune in to learn more! Key Takeaways 00:00:00Welcome to the RE Social Podcast 00:00:44Steve's Background and Early Work 00:02:19His First Jobs and Education 00:05:56How Did He Transition to Real Estate 00:14:22First Real Estate Investment 00:23:59What is the “Steve Deal” 00:28:46Real Estate Deals During COVID 00:29:09The Importance of Refinancing 00:30:26A Winning Strategy in Real Estate 00:31:43How to Leverage Your 401k 00:34:10The Power of Partnerships 00:35:58Investing with Friends and Family 00:38:20Benefits of Real Estate Over Stocks 00:42:20Building Trust in Investments 00:50:15Final Thoughts and Future Deals Resources and Links Invest Like a Shark by James DePorre https://www.amazon.com/Invest-Like-Shark-Limited-Investing/dp/0132213087 Books by Warren Buffett https://www.goodreads.com/author/list/756.Warren_Buffett Connect with Steve https://www.meetup.com/re-social/ Learn more about AnVi Invest

Rate & Term vs. Cash Out Refinance Unlock the financial power of your property investments by understanding the nuances of refinancing!

In this episode of Wash Talk: The Carwash Podcast, host Rich DiPaolo sits down with Reuven Birnkrant, CEO of PetroCal Associates, for a deep dive into refinancing strategies for carwash operators. Building on an article featured in the December 2024 issue of Professional Carwashing & Detailing magazine, Birnkrant shares expert insights on navigating refinancing costs, timing loans in fluctuating interest rate environments, and optimizing financial structures for long-term success. Birnkrant educates us on the impact of resetting amortization, strategies for demonstrating business stability to lenders and how refinancing can be a tool for growth beyond just lowering payments. He also explores the benefits and risks of cash-out refinancing and key indicators operators should monitor to make informed decisions. Whether you're considering refinancing to simplify debt, improve loan terms or leverage equity, this episode is packed with actionable advice to help carwash owners make smarter financial moves. Don't miss Birnkrant's expert take on common mistakes to avoid and when refinancing may not be the ideal choice.

In this episode of The Real Wealth Show, Kathy Fettke answers your top listener questions on real estate investing. Kathy breaks down actionable strategies for both beginners and seasoned investors. Tune in for insights on acquiring your first property, house hacking, seller financing, and knowing when your portfolio is "enough." Today we're covering: -How to get started in real estate investing with little to no capital, -Using home equity (HELOC vs. refinancing) to buy a property, and -Knowing when to stop scaling your portfolio and how to find balance Join over 77,000 members in the Real Wealth community and start building your wealth today! https://realty.realwealth.com/join-now/

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Learn how to refinance your mortgage, manage credit card debt, and navigate home equity with practical tips and strategies. When is the right time to refinance a mortgage? How can you use a HELOC or home equity to your advantage? Hosts Sean Pyles, freshly returned from time off to focus on the CFP exam, and Sara Rathner discuss mortgage refinancing, home equity, and credit card debt management to help you make smarter financial decisions. But first, they share an update on Sean's CFP journey and discuss what to do about recent changes in interest rates, including how they may impact your finances and how you can proactively respond to them. Then, mortgage Nerd Kate Wood joins Sean and Sara to discuss mortgage refinancing, sharing tips on determining the best time to refinance, understanding the costs, and calculating the break-even point. They also discuss HELOCs and home equity, exploring when to lock in a HELOC rate, the difference between paying down and paying off a HELOC, and practical ways to decide whether a HELOC or refinance is the better choice for your situation. Learn more about refinancing a car loan in NerdWallet's writeup here: https://www.nerdwallet.com/article/loans/auto-loans/how-to-refinance-your-car-loan Use NerdWallet's free mortgage refinance calculator to determine if refinancing can help you achieve your financial goals: https://www.nerdwallet.com/calculator/refinance-calculator To help you choose among mortgage lenders, NerdWallet's editorial team has picked some of the best in a variety of categories to help you find the home loan that's right for you: https://www.nerdwallet.com/best/mortgages/mortgage-lenders   In their conversation, the Nerds discuss: interest rates, mortgage refinancing, mortgage refinance calculator, HELOC vs refinance, CDs, home equity loan, refinance costs, refinance tips, refinance break-even point, HELOC rate lock, HELOC payoff, refinancing options, how to refinance your mortgage, refinancing costs, refinancing calculator, mortgage tips, HELOC draw period, refinancing with low equity, credit card payoff strategies, refinancing pros and cons, refinancing 101, mortgage refinance tips, home equity explained, refinancing vs HELOC, mortgage interest rates, refinancing advice, HELOC tips, home equity advice, refinancing myths, how to save on refinancing, mortgage payment calculator, home equity tips, refinancing calculator tips, refinancing interest rates, managing credit card debt, debt payoff strategies, refinancing strategies, HELOC strategies, and what is a home equity line of credit. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend.

Sandhya Seshadri shares her journey from electrical engineer to multifamily syndicator, managing $140M in assets. She reveals key strategies for navigating rising interest rates, the power of networking, and the importance of efficient asset management. Plus, hear about her new ventures in oil and gas investments! Resources mentioned in the episode: Sandhya Seshadri ACE Operators Website Engineered Capital Website Interested in learning how to take your capital raising game to the next level? Meet us at Capital Raiser's Edge. Learn more here: https://raisingcapital.com/cre

If you're in the market for a giant screen TV  this holiday season - Clark's got news to help you Save More.   Also - there is one thing that a business can do to make employees happier, and in turn give customers a better experience, and in turn - be more profitable.  Big Screen TVs: Segment 1 Ask Clark: Segment 2 Employer Enlightened Self-Interest: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Deals - TVs Are Online ESA Letters Legitimate? Even large corporations should consider employee ownership. Here's why Should I Refinance My Car Loan? 4 Questions To Ask Yourself Clark Howard's Simple Rule for Refinancing an Auto Loan How To Refinance a Car Loan: A Step-by-Step Guide Auto Loan Refinance Calculator - Clark Howard How To Open a Roth IRA Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

⚡ Get Coach's BLACK FRIDAY SPECIALS until 12/2 ⚡  https://www.coachcarson.com/BF24P    ⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: http://coachcarson.com/rpm   

In this eye-opening episode, we dive deep into the hidden dangers of refinancing your home mortgage and how banks use this common financial tool to quietly erode your hard-earned equity. Refinancing can seem like a quick fix, but it often leads to long-term financial setbacks. We'll expose the deceptive strategies that banks use to lure homeowners in, such as flashy advertisements promising lower monthly payments, while in reality, they're resetting your debt terms and locking you into higher interest rates over the life of your loan. You'll learn how refinancing can trap you in a cycle of mounting interest payments, draining your equity and delaying your financial freedom. But don't worry, we won't leave you stranded. We'll offer practical alternatives to refinancing, such as home equity lines of credit (HELOCs), that allow you to tap into your home's value without losing control of your financial future. By keeping your equity intact, you can make smarter decisions, invest wisely, and grow your wealth. Additionally, we'll show you how to leverage your home equity to build additional streams of income—such as purchasing rental properties—which can pave the way toward financial independence. You'll also discover why the upcoming interest rate cuts in 2025 present a unique opportunity for homeowners and investors to make strategic moves. If you're tired of being taken advantage of by banks and want to start taking control of your wealth, this episode is a must-watch. Join us as we explore how you can avoid the refinancing trap, retain your equity, and unlock the financial freedom you deserve. Don't miss out—make informed decisions today and take the first step toward a brighter financial future. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Epic Real Estate Investing Show, Matt welcomes back Aaron Chapman, a seasoned expert with decades of experience in the real estate investment world. Together, they dive into a range of thought-provoking topics that offer both practical insights and a deeper understanding of the current market landscape. Aaron shares firsthand stories from his recent adventure during a Florida hurricane, shedding light on the unpredictable nature of real estate investing and the importance of preparation. They also explore the unique, thriving community of *The Villages* in Florida, discussing its growth, demographics, and why it's become such an attractive area for investors.   Shifting focus to the broader economic environment, Aaron and Matt break down the complex effects of quantitative easing and tightening on the real estate market. Aaron stresses the need for investors to look beyond the typical metrics like cash-on-cash return and rent-to-value ratio. He highlights the importance of considering a property's full financial picture, taking into account factors such as amortization, depreciation, and inflation, which can unlock multiple profit centers and better long-term returns.   The conversation also touches on essential strategies for leveraging debt and refinancing properties to optimize your portfolio's performance. With the housing market facing increasing demand, but a significant supply shortage, Aaron offers valuable insights into how investors can navigate these challenges, stay ahead of trends, and capitalize on market opportunities. He emphasizes the importance of working with a knowledgeable team and remaining active in the market to stay informed and uncover deals that others might miss. Whether you're a seasoned investor or just getting started, this episode is packed with actionable advice for building wealth and protecting your investments in today's dynamic real estate landscape. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Personal Finance Podcast, we're going to talk about the best financial strategies by income. How Andrew Can Help You:  Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/ Monarch Money: Get an extended 30 day free trial at monarchmoney.com/pfp Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Go to joindeleteme.com/pfp20 for 20% off! This show is sponsored by Better Help. Go to betterhelp.com/pfp and be on your way to your best self.  Recent Episodes:  Investing Your First $100K, Refinancing, Real Estate Investing and More! - Rapid Fire Money Q&A The Bucket Method For Managing Your Savings (Master Multiple Savings Goals) Should I reduce my 401(K) Contributions to Save for a House? - Money Q&A The 6 Numbers You Must Know to Build Wealth (The Financial Scorecard) Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

Congress has agreed on a temporary spending bill to fund the federal government through Dec. 20. The House GOP’s hotly debated SAVE Act didn’t make the final cut. We’ll get into what did make it into the bill beyond bare-bones funding measures. And, a wave of homeowners are looking to refinance their mortgages as borrowing costs ease. Plus, we’ll cry happy tears over a “Homeward Bound” story come to life. Here’s everything we talked about today: “Kushner's Fund Has Reaped Millions in Fees, but So Far Returned No Profits” from The New York Times “US Mortgage Rates Fall Again, Triggering Big Wave of Refinancing” from Bloomberg “The final countdown” from Punchbowl News “Shippers scramble for workarounds ahead of looming US East Coast port strike” from Reuters “Cat Missing in Yellowstone Returns Home to California After an 800-Mile Trek” from The New York Times Tweet from Jacqui Heinrich about President Biden’s hot mic moment on “The View” Got any questions about inflation or interest rates? Send ’em to makemesmart@marketplace.org or leave us a voicemail at 508-U-B-SMART.

Congress has agreed on a temporary spending bill to fund the federal government through Dec. 20. The House GOP’s hotly debated SAVE Act didn’t make the final cut. We’ll get into what did make it into the bill beyond bare-bones funding measures. And, a wave of homeowners are looking to refinance their mortgages as borrowing costs ease. Plus, we’ll cry happy tears over a “Homeward Bound” story come to life. Here’s everything we talked about today: “Kushner's Fund Has Reaped Millions in Fees, but So Far Returned No Profits” from The New York Times “US Mortgage Rates Fall Again, Triggering Big Wave of Refinancing” from Bloomberg “The final countdown” from Punchbowl News “Shippers scramble for workarounds ahead of looming US East Coast port strike” from Reuters “Cat Missing in Yellowstone Returns Home to California After an 800-Mile Trek” from The New York Times Tweet from Jacqui Heinrich about President Biden’s hot mic moment on “The View” Got any questions about inflation or interest rates? Send ’em to makemesmart@marketplace.org or leave us a voicemail at 508-U-B-SMART.