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Low Interest Rates Are Available (Here's How Investors Can Get Them)
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- Опубліковано 18 сер 2024
- Are you looking to maximize your profits in real estate investing, but high-interest rates are standing in your way? We've got you covered!
In this insightful video, we reveal insider tips and tricks to help you slash those pesky high-interest rates and unlock the true potential of your real estate investments.
I am also pleased to introduce Richard Advani from Guaranteed Rate, who will join our discussion today. An accomplished industry leader with years of experience, Richard brings a wealth of knowledge and insights into our conversation.
Connect with Richard Advani 👇
Website: www.richardadvani.com
Phone: 949-294-0435
Email: Richard.Advani@rate.com
🔑 Key Insight: "Now you've created the income…" 19:23
Don't allow high-interest rates to drain your profits any longer. It's time to take control of your real estate investing journey and unleash its full profitability. Whether you're a seasoned investor or just starting out, this video is a must-watch.
Join us for our FREE upcoming Tax & Asset Protection workshop to better help you meet your goals and secure your future. 👉 aba.link/09d79d
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Show Notes:
0:00 Intro
1:16 DSCR Loans
4:34 Assume Loan
8:29 Cross Collateral
12:16 Cap Strategy
17:53 No Income
18:50 C-Corp Strategy
20:06 Asset Security
21:07 Obligations
22:49 Financial Statements
24:52 Finding Low-Interest Rates
29:38 Supply & Demand
32:37 Outro
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ABOUT CLINT COONS
Clint Coons, Esq. is one of the founding partners of Anderson Law Group, Clint has grown his legal and tax firm to over 400 employees by assisting real estate investors with creating and implementing solid entity structuring plans. His success in these regards is in large part due to his personal investing experience. A successful attorney, real estate investor, and speaker, Clint has used his innovative and dynamic strategies coupled with knowledge borne from experience to help thousands of people save millions of dollars and build real wealth.
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The information provided in this video should not be construed or relied on as legal advice for any specific fact or circumstance. Its content was prepared by Anderson Business Advisors with its main office at 3225 McLeod Drive Suite 100 Las Vegas, Nevada 89121. This video is designed for entertainment and information purposes only. Viewing this video does not create an attorney-client relationship with Anderson Business Advisors or any of its lawyers. You should not act or rely on any of the information contained herein without seeking professional legal advice.
#clintcoons #dscrloans #interestrates
if you assume a va loan the seller is indeed still liable for that loan unless it is assumed with a va loan also and the buyers entitlement get exchanged for the sellers entitlement .. also i have have many people tell me that the fha loan assumption will still be liable to the seller also ............
The “builder forward” commitment you’re speaking of can be performed by any buyer. It’s just seller concessions. The builder is packing the costs of buying that rate down into your sales price. It’s nothing special and every investor does this if it makes dollars to sense todo so.
Not quite. Say you are buying a 400k house and you wanted to buy down 3 pts. I think that would be 12k. The seller could not do this for you because it is 4k above the 2% concession limitation unless I am missing something.
Please remember that investor loan concessions are limited to 2%. The builder forward allows the builder and developers to contribute far beyond that as Clint alluded to.
@@ClintCoons only on Fannie/Freddie. The reality is most investors are not going to paper quality when you get into multiple unit ownership. The idea sounds nice but it’s just not the majority. DSCR loans are a decent product but the market rents are what truly dictates the final LTV.
@@HPChasers same response I have on Clint’s reply. Now performing a non-owner 2/1 or 3/2/1 temp Buydown on my portfolio product which does allow up to 6% concessions is a much more economical way to go which allows the buyer the privilege of using bank statements or 1 year tax returns to qualify this circumventing the standard full doc paper that most investors just won’t qualify for is in my professional opinion the best bang for the buck. It increases the margin on the rental at the expense of the seller’s money and the points aren’t wasted in a near future sale or refinance. The buyer keeps 100% of the Buydown subsidy regardless of how long they hold the loan.
@@theloanslayer we offer all of that too. Still doesn't beat a conventional Fannie Mae 30 year fixed nothing does. Also, nice to meet you.
Hey Clint. This is pure gold. Listening to Q&A back and forth is so educational. Thank you
Glad you enjoyed it!
Great content Clint - thanks!
Glad you enjoyed it!
Great video, very informative.
Thank you!
For anyone watching this video - the banker conveniently skips over the main caveats of each loan type that makes them less common and not that attractive.
DSCR loans - first, expensive, as already pointed out in the video, but the main thing right now is that they typically include 3+ years of prepayment penalty making potential refinancing costly. With market expecting interest rates to go down - most investors don't want to lock in 8%+ interest rate for 3 years when there is a chance that you could refinance at ~6% within 1-2 years.
Assumable loans - you can only assume the outstanding balance. If the seller bought a house 10 years ago and repaid half of the mortgage + the house price double since then, you would only be assuming a loan for 25% of property's price, so you still need another loan to cover at least another 50%. It's rare for assumable loan to work because the seller must have bought the property fairly recently (~last 5 years) and the price needs to remain fairly close to what it was when the seller bought it. But if that's the case, the seller would mostly be taking a loss on the house (because they pay 6% broker fees to sell) so this happens rarely.
Hi Clint, this is.great information! I need to scale my real estate investments. How can I talk to him about this DSCR Loans or strategy to acquire more properties? Thank you
His info is in the show notes.
This is good but what if rental market volatile out of control? This is more like higher leverage in 2008 when subprime started. Gotta be careful
Hi Clint
How are you?
Do you have a suggestion
For protecting the equity
In a house that has a reverse
Mortgage. ?
Thanx
Sorry not sure on that one because the bank already owns the equity so I am not sure what else to do.