Is debt good or bad? Well, it depends on how you pay for it. One thing is for sure – this topic is a lightning rod. Some people are diehard proponents of leverage and debt, and believe that financial success is in many ways driven by debt. Many others, most notably Dave Ramsey, believe and […]
This article will discuss whether you can buy rental properties in today’s 2016 market with nothing down. Before diving in though, we need to lay the framework by discussing market efficiency. Indeed, one of the most attractive features of the real estate asset class is that it is inefficient. What do I mean by that? […]
What is so scary about commercial loans? Well, interest rate adjustments for one thing. Here’s how to reduce risk of adjustable rate real estate loans. I wrote a post a couple of weeks ago for the BiggerPocket blog entitled Are Nothing Down Real Estate Deals Risky in which I discussed the essence of risk as […]
Recently, one of my Cash Flow Freedom Builders told me that he is considering borrowing $40,000 against the equity in his home to pay cash for a single family rental house. This proposition opens the door to a meaningful discussion which can shed some light on what is needed for you to get ahead financially […]
As you know by now, I am of the opinion that financial freedom resides within the world of passive cash flow. And since the later is the domain of investing, we must learn to invest. I hate to once again point out the obvious, but as I’ve stated before you will have to find some […]
Would you be terribly surprised if I told you that in the world of Real Estate Investing we sit and try to come up with the most confusing terminology that only we, and no one else, can understand? Seriously, this business is full of terms and acronyms that make no sense whatsoever to anyone outside […]
The answer to this question can be as easy, or as difficult, as you want to make it. The answer is in many ways a function of your sophistication as real estate investor. The thing to understand is that there can be what I call “static analysis” of ROI, and there can be time-sensitive analysis, […]
Real Estate Investing is a cash-intensive sport, and chances are that at some point you’ll be raising capital to do your deals. If that’s so, you need to establish in your own mind exactly what it is that attracts capital… For me, $250,000 is quite literally one phone call. Why – because people trust me […]
The 2% Rule is a hot topic in the world of real estate investing today, specifically among newbies. A lot of gravitas seems to be placed on the metric when people analyze rentals, which bothers me since in my experience this 2% Rule is such a poor indicator of value that in my mine it […]
Is real estate income safe? I hear this question all the time. This wasn’t always a question; indeed, at one point they were flat out telling me that it’s not safe and I am crazy. Now, having seen me succeed, they ask. Well – while there’s no one way to answer it, today I’ll tell […]
Well, it’s that time again. Perhaps it’s because I write a lot, or may be it’s cause I’m so good-looking, but I do get asked to participate in investment podcast with some regularity. One thing is for sure, though – it ain’t cause I’m smart… Joe Fairless is a fellow investor and syndicator. He is […]
If you’ve been following me for a while, you know that I am, how should I say…rather forward with my comments around real estate investing – I call it as I see it. And what do I see? I see that which can not easily be seen. Thus is the essence of creative financing…. I’ve […]
When building a pro-forma for a potential acquisition, there are certain elements that are often overlooked, one of which is Loss to Lease. Why – because while we kinda all know what it means, most people’s understanding is very uni-dimensional and lacking in-depth perspective. Thus, let’s define the term, and consider some of the perspective… WHAT […]