Newport News Real Estate Investing & Real Estate Financial Planning™ Podcast

Learn to lost art of Deal Alchemy™ and manipulate the returns you're earning on your real estate investments. This class discusses Deal Alchemy™ by investing in commercial property with a 39-year depreciation schedule instead of a residential property with a 27.5-year depreciation schedule.

There are risks associated with investing in real estate where the lender will demand that you pay off the entire loan immediately... aka calling a loan due.

Learn how to analyze a rental property you're buying at a discount using The World's Greatest Real Estate Deal Analysis Spreadsheet™.

How do you calculate PMI in Newport News when buying a property with less than 20% down payment?

Compare buying 20% down rentals to buying rentals all cash. In both cases, buy an owner-occupant with 5% down first.

Learn to lost art of Deal Alchemy™ and manipulate the returns you're earning on your real estate investments. This class discusses Deal Alchemy™ by increasing the down payment from 20% down to 25% down.

There are risks associated with investing in real estate that are related to increases in the expenses on your rental property.

Learn how to analyze a new construction single-family home property using The World's Greatest Real Estate Deal Analysis Spreadsheet™.

What are the 3 different strategies for paying Private Mortgage Insurance, PMI, rate in Newport News when buying properties with less than 20% down payment? What are the pros and cons of each?

Compare buying Nomading™ to Nomading™ where you pay off properties early with extra cash flow.

Learn to lost art of Deal Alchemy™ and manipulate the returns you're earning on your real estate investments. This class discusses Deal Alchemy™ by changing from 30-year mortgage to a 15-year mortgage.

There are risks associated with investing in real estate that are related to how much you put down when you buy the property.

Learn how to analyze a 5% down payment single family home Nomad™ property using The World's Greatest Real Estate Deal Analysis Spreadsheet™.

What impacts your Private Mortgage Insurance, PMI, rate in Newport News when buying properties with less than 20% down payment?

Compare buying 25% down payment investment properties as rentals where you either rent a property to live in or buy a 5% down owner-occupant property first.

Learn to lost art of Deal Alchemy™ and manipulate the returns you're earning on your real estate investments. This class discusses Deal Alchemy™ with lease-options.

There are some risks associated with investing in real estate that, for a fee, a third party will happily take on. These are insurable risks.

Learn how to analyze a 20% down payment single family home rental property using The World's Greatest Real Estate Deal Analysis Spreadsheet™.

Private Mortgage Insurance explained and how to avoid paying it when buying properties in Newport News.

Compare Nomading™ to buying 25% down payment rentals. In both cases, you buy an owner-occupant property with 5% down and PMI first.

How to improve cash flow on rental properties in Newport News by making improvements to the property itself.

Tips when refinancing your rental properties in Newport News.

Helpful financing tips for real estate investors when about to write an offer to buy a rental.

Compare Nomading™ versus Nomading™ but being willing to sell off all your rental properties if doing so can make you financially independent and allow you to invest in stocks using a safe withdrawal rate.

Some helpful tips for real estate investors about getting mortgage quotes from lenders when buying investment properties.

Learn about Expected Value (EV) and why leveraging up when investing in real estate adds risk.

Learn how to speed up achieving financial independence.

Don't wait until you're buying the property to start preparing the get a mortgage... there are things you can and should do months or years in advance to make sure you maximize cash flow when you get your mortgage.

As property prices rise and you pay down debt on your mortgage, equity in your properties rise. And even though the returns on your properties may also be increasing, your return on that increasing equity tends to decrease. How do you think about this and how to you access this equity?

Should you put 5% down as a Nomad™? Should you put 15% down and not move in? 20%, 25%, 30%, 40%? Learn about the ROI from putting more down when buying investment properties.

Is It Better to Pay Off Your Owner-Occupant Mortgage When Nomading? How much better is it?

New spreadsheet that allows you to easily see the returns on each property in your portfolio.

Should you put 15% down or 20% down when buying a rental property? How do you know?

New spreadsheet that allows you to easily create budgets for changes or different seasons of your life.

Comparing different loan programs with different down payment amounts, interest rates, private mortgage insurance requirements can significantly impact cash flow. Use a loan comparison spreadsheet to easily see the differences.

When buying a rental property, one way to improve cash flow is to buy down the mortgage interest rate. We explore this idea and how to determine how far to buy down the rate in this class.

Going beyond conventional loans, FHA loans, VA loans and portfolio financing to including all the creative financing, private money, hard money, HELOCs, cash, partnerships and more.

Student rentals with Ryan Chaw.

Is it Better to Nomad™ or Buy a Single Owner-Occupant with 5% down then Buy up to 9 Rentals All Cash?

Loan planning for for real estate investors in Newport News to address the 10 loan limit for purchasing new investment properties.

Hard Money and Private Money for for real estate investors in Newport News.

Commercial loans and commercial financing for real estate investors in Newport News.

Portfolio loans and portfolio lenders for real estate investors in Newport News.

Conventional financing for real estate investors.

All the strategies on how to improve cash flow on properties as a landlord.

Low down payment financing options for real estate investors including house hackers and Nomads™.

Is it better to put 20% down and buy investment properties or invest in stocks instead?

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.

All the strategies on how to improve cash flow on properties you already own.

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.

Is it better to put 20% down or 25% down when buying rentals when you first buy an owner-occupant property with 5% down first?

Learn how to select the right lender for your real estate investments. Consider both financial and non-financial factors, including finding a good fit for your team, understanding loan overlays, and looking for lenders who go above and beyond. Our guide can help you make an informed decision for your investment success.

All the strategies on how to improve cash flow when marketing your property to rent.

A recap of the first year of running our real estate investing podcast business.

With the newest FHA Mortgage Insurance Premium (MIP) change, how will that affect me as a real estate investor?

Is it better to put 20% down or 25% down when buying rentals when you don't buy an owner-occupant property first?

Besides putting more down to decrease the amount you're borrowing, what else could you do with down payments to improve cash flow and make you a stronger borrower?

Updates made to The World's Greatest Real Estate Deal Analysis Spreadsheet™.

All the strategies on how to improve cash flow when considering which real estate investing strategy to use.

How does varying how much you put down impact your returns when buying rental properties?

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

Learn how to produce the down payments you'll need to invest in rental properties.

All the strategies on how to improve cash flow when financing your next rental property.

There are two primary ways to deal with down payments when buying rental properties: reduce the need for them and produce the down payment required. In this mini-class, James discusses strategies to reduce the need for down payments when buying rental properties.

In this mini-class, James discusses the various down payment options available to real estate investors including some special owner-occupant loans for investors using strategies like Nomad™ or house hacking.

James discusses exactly what your real estate agent does when you're buying a rental property.

James discusses how to improve cash flow when searching for your next rental property.

James talks about how to determine when you do upgrades or improvements to a value-add rental property.

Listen in to the Your Financial Independence module for the new Real Estate Financial Planner™ Coaching program for those looking to buy a property.

Listen in to the introductory module for the new Real Estate Financial Planner™ Coaching program for those looking to buy a property.

Learn exactly what financially independent means, especially for real estate investors.

Learn how to calculate Cash on Cash Return on Investment for rental properties in Newport News, Virginia.

Learn how to calculate Cap Rate for rental properties in Newport News, Virginia.

High prices, high interest rates, lagging rents and poor cash flow? Still might be worth investing in real estate in Newport News, Virginia.

James walks you through the assumptions for Nomading™ in Newport News.

James goes over the different rules you can use to model your real estate investing strategy.

James goes over the pros and significant cons of FHA loans and helps you determine if FHA loans are for suckers.

James gives his off-the-cuff reaction to the latest national new construction housing starts charts for 1 units and 5+ units.

James was interview by Dave Goldberg with The Investor's Source about our current real estate market.

A very personal podcast episode where James shares the mistakes he's made as a real estate investor and the 10 things he wish he knew before starting to invest in real estate.

The market has changed so much in the last couple of years... can you even do the same strategies we were doing a few years ago? Find out in this special throwback class recording from last year.

What is a reasonable mortgage interest rate to use when thinking about buying properties over several years? How confident are you in being able to get that rate?

With rising interest rates in Newport News, some investors are wondering if real estate investing is dead. James talks about historical interest rates and the impact of rapidly rising interest rates on real estate investors and begins the discussion of solutions to the problem.

James shares an advanced goal setting process for real estate investors in Newport News with this throwback recording from 2012.

Part 6 of 6 parts. This one is all about inner game: committing, courage, capability and confidence. Real estate investors in Newport News often face similar challenges, hurdles and obstacles? Like how to come up with down payments, improve cash flow, get loans, find deals/partners/team members/tenants and get the right mindset to overcome fear and take action. Learn how to overcome these hurdles for Newport News real estate investors in this 6 part series.

Part 5 of 6 parts. This one is about finding what you're mising: deals, a dream team, partners, tenants. Real estate investors in Newport News often face similar challenges, hurdles and obstacles? Like how to come up with down payments, improve cash flow, get loans, find deals/partners/team members/tenants and get the right mindset to overcome fear and take action. Learn how to overcome these hurdles for Newport News real estate investors in this 6 part series.

Part 4 of 6 parts. This one is about qualifying for loans. Real estate investors in Newport News often face similar challenges, hurdles and obstacles? Like how to come up with down payments, improve cash flow, get loans, find deals/partners/team members/tenants and get the right mindset to overcome fear and take action. Learn how to overcome these hurdles for Newport News real estate investors in this 6 part series.

Part 3 of 6 parts. This one is about coming overcoming negative cash flow. Real estate investors in Newport News often face similar challenges, hurdles and obstacles? Like how to come up with down payments, improve cash flow, get loans, find deals/partners/team members/tenants and get the right mindset to overcome fear and take action. Learn how to overcome these hurdles for Newport News real estate investors in this 6 part series.

Part 2 of 6 parts. This one about coming up with down payments. Real estate investors in Newport News often face similar challenges, hurdles and obstacles? Like how to come up with down payments, improve cash flow, get loans, find deals/partners/team members/tenants and get the right mindset to overcome fear and take action. Learn how to overcome these hurdles for Newport News real estate investors in this 6 part series.

Real estate investors in Newport News often face similar challenges, hurdles and obstacles? Like how to come up with down payments, improve cash flow, get loans, find deals/partners/team members/tenants and get the right mindset to overcome fear and take action. Learn how to overcome these hurdles for Newport News real estate investors in this 6 part series.

How much can rents go down in Newport News before you have negative cash flow? How much can property values (price) go down in Newport News before you have negative equity? In other words, how resilient are you to drops in rent or price?

Real Estate Investing in Newport News? There are some things that could SHOCK you that you did not expect to happen. Find out what some of the most common shocks are and how to either mitigate and/or eliminate them in this special class.

Interested in learning how to find off-market deals in Newport News? This class is a deep-dive into how to use marketing (and other strategies) to find off-market deals in Newport News.

Interested in learning about real estate partnerships in Newport News? This class is a deep-dive into real estate partnerships for each role... deal maker/syndicator, money partner and loan partner. The class includes a qualitative class discussing what real estate partnerships are and how to do them plus quantitative, numbers-based discussions showing how each partnership role might perform toward a goal of achieving financial independence.

Interested in learning about creative financing and real estate entrepreneurship in Newport News? This class is a deep-dive into creative financing strategies like owner financing, wrap financing, subject to, lease-options, lease-purchases, rent to own, lease to own, agreement for deed, contract for deed and loan assumptions. The class includes a qualitative class discussing what the strategies are and how to do them plus quantitative, numbers-based discussions showing how the strategy performs toward a goal of achieving financial independence.

Interested in learning about quick turning and flipping properties as a real estate investing strategy in Newport News? This class is a deep dive into the strategy of flipping properties for chunks of cash. The class includes a qualitative class discussing what the strategy is and how to do it plus quantitative, numbers-based discussions showing how the strategy performs toward a goal of achieving financial independence.

Interested in learning about using the BRRRR real estate investing strategy in Newport News? This class is a deep dive into the strategy of buying properties at a deep discount, rehabbing them, renting them and refinancing out all or most of your money to keep it as a long-term rental. This is called the BRRRR strategy which stands for Buy, Rehab, Rent, Refi, and Repeat. The class includes a qualitative class discussing what the strategy is and how to do it plus quantitative, numbers-based discussions showing how the strategy performs toward a goal of achieving financial independence.

Interested in learning how to house hack in Newport News? This class is a deep dive into the strategy of buying properties as an owner-occupant with 0%, 3%, 3.5% or 5% down payments, moving in and getting income from the property while living in it (house hacking). Includes a qualitative class discussing what the strategy is and how to do it plus quantitative, numbers-based discussions showing how the strategy performs toward a goal of achieving financial independence.

Interested in learning how to invest in real estate with little or nothing down using the Nomad™ real estate investing strategy in Newport News? This class is a deep dive into the strategy of buying properties as an owner-occupant with 0%, 3%, 3.5% or 5% down payments, moving in and then, after living in the property for at least a year, converting them to rental properties. Includes a qualitative class discussing what the strategy is and how to do it plus quantitative, numbers-based discussions showing how the strategy performs toward a goal of achieving financial independence.