Deal Alchemy™ - Increasing Down Payment

Houston Real Estate Investing & Real Estate Financial Planning™ Podcast

https://RealEstateFinancialPlanner.com/spreadsheet

50:05

This week, in what might be the funniest episode yet, Molly and Emese are joined by co-stars Amy Schumer and Brianne Howey. They get candid about motherhood, career evolution, and their new film, Kinda Pregnant —which unexpectedly led to Amy’s latest health discovery. Amy opens up about how public criticism led her to uncover her Cushing syndrome diagnosis, what it’s like to navigate comedy and Hollywood as a mom, and the importance of sharing birth stories without shame. Brianne shares how becoming a mother has shifted her perspective on work, how Ginny & Georgia ’s Georgia Miller compares to real-life parenting, and the power of female friendships in the industry. We also go behind the scenes of their new Netflix film, Kinda Pregnant —how Molly first got the script, why Amy and Brianne were drawn to the project, and what it means for women today. Plus, they reflect on their early career struggles, the moment they knew they “made it,” and how motherhood has reshaped their ambitions. From career highs to personal challenges, this episode is raw, funny, and packed with insights. Mentioned in the Episode: Kinda Pregnant Ginny & Georgia Meerkat 30 Rock Last Comic Standing Charlie Sheen Roast Inside Amy Schumer Amy Schumer on the Howard Stern Show Trainwreck Life & Beth Expecting Amy 45RPM Clothing Brand A Sony Music Entertainment production. Find more great podcasts from Sony Music Entertainment at sonymusic.com/podcasts and follow us at @sonypodcasts To bring your brand to life in this podcast, email podcastadsales@sonymusic.com Learn more about your ad choices. Visit podcastchoices.com/adchoices…

大约1年之前 19:55

MP3•单集首页

Deal Alchemy™ - Increasing Down Payment

There are four primary returns from investing in rental properties: appreciation, cash flow, debt paydown, and the tax benefits of depreciation. Additionally, there is a secondary return in the form of the interest earned on the reserves required to make the investment in the first place.

Many real estate investors prefer the cash flow return over the others.

Often, we can manipulate the investment to shift returns between appreciation, cash flow, debt paydown, tax benefits, and reserves. We call this Deal Alchemy™.

There are many variations of Deal Alchemy™, but in this mini-class, James will guide you through the process of shifting your return to cash flow by changing the down payment amount.

In this class, James discusses:

The definition of alchemy
What is Deal Alchemy™
How to manipulate returns and move them between quadrants
An example by increasing the down payment size from 20% down to 25% down and how that impacts your returns... in both dollars and on your overall investment
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:

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 Houston real estate investor podcast? Book a free consultation to discuss.

147集单集

#Trading #Entrepreneur #Business #Real Estate Financial Planner LLC and James Orr #James Orr #Houston Real Estate Financial Planner #Houston Real Estate Investing #Houston Real Estate Investor

Deal Alchemy™ - Increasing Down Payment

Houston Real Estate Investing & Real Estate Financial Planning™ Podcast

published 大约1年之前

MP3•单集首页

Deal Alchemy™ - Increasing Down Payment

Many real estate investors prefer the cash flow return over the others.

Often, we can manipulate the investment to shift returns between appreciation, cash flow, debt paydown, tax benefits, and reserves. We call this Deal Alchemy™.

There are many variations of Deal Alchemy™, but in this mini-class, James will guide you through the process of shifting your return to cash flow by changing the down payment amount.

In this class, James discusses:

The definition of alchemy
What is Deal Alchemy™
How to manipulate returns and move them between quadrants
An example by increasing the down payment size from 20% down to 25% down and how that impacts your returns... in both dollars and on your overall investment
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 Houston real estate investor podcast? Book a free consultation to discuss.

147集单集

#Trading #Entrepreneur #Business #Real Estate Financial Planner LLC and James Orr #James Orr #Houston Real Estate Financial Planner #Houston Real Estate Investing #Houston Real Estate Investor

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1
Secrets to Risk Mitigation and Elimination 1:31:46

14 hours之前1:31:46

1:31:46

Learn the secrets to eliminating or, at least, mitigating the risks when investing in real estate in Houston. This class is Module 24 of 46 in a series called Real Estate Investing Secrets . Topics covered in this module include: How to think about risks in terms of severity and likelihood and which are the most devastating? For each risk: what is it, how can we mitigate its impact or completely eliminate it, and what to do if we find ourselves dealing with each one? Which risks are insurable and can be mitigated or completely eliminated? What are the risks associated with how much you put down when buying properties? What are the risks with rental property expenses increasing (like taxes, insurance or maintenance)? What are the risks associated with variable rate mortgages? What are the risks of loans being called due… and how can we avoid it? What are the risks of having neighborhoods decline in desirability, values and rents and what to do about it? What if rental demand declines? How do we deal with functionally obsolete properties? How do we deal with massive foreclosures? How to do we deal with emotionally stigmatized properties? How do we deal with tenants trashing a property we own? How do we deal with the dual impact of mortgage interest rates rising? How do we deal with a tenant not paying rent? How do we address missing costly things on inspection? How to deal with inadequate reserves or not having enough liquidity? How do we deal with zoning and regulatory issues? What can be done about over-leveraging? How to address poor property management? How do we deal with excessive tenant turnover? What about the risks of fraud or scams? Plus much more... Check out the video and additional resources related to Secrets to Risk Mitigation and Elimination . 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 Houston real estate investor podcast? Book a free consultation to discuss.…

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Secrets to BRRRR 40:22

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40:22

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1:03:46

Learn the secrets to the paperwork to buy and sell real estate in Houston. This class is Module 22 of 46 in a series called Real Estate Investing Secrets . Topics covered in this module include: How do you get the contracts and disclosures for buying and selling real estate in your market? When and how should you review the paperwork for your real estate investing? What are some of the most common documents and what do they do? What are the major contract sections for the contract to buy and sell? What does each section cover and what should you be aware of for each section? Plus much more... Check out the video and additional resources related to Secrets to Paperwork to Buy and Sell . 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 Houston real estate investor podcast? Book a free consultation to discuss.…

1
Secrets of Comparing Mortgages and Lenders 57:54

22天之前57:54

57:54

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Secrets of Analyzing Deals 1:20:15

29天之前1:20:15

1:20:15

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Secrets of Flipping Properties 1:02:04

5 weeks之前1:02:04

1:02:04

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1
Secrets of Bookkeeping 57:01

6 weeks之前57:01

57:01

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Secrets to Getting Your First Deal Done 50:53

7 weeks之前50:53

50:53

Learn the secrets to getting your first real estate investment deal done in Houston. This class is Module 17 of 46 in a series called Real Estate Investing Secrets . Topics covered in this module include: A 90-day plan to buy your first rental property. Why there is nothing difficult to do in the real estate investing business and why it is really all about 1 critical skill that anyone can acquire regardless of age, gender, race or income. The resources you need—and we provide as part of the course—for: Determining your real estate investing strategy Understanding your market Managing your rental properties Setting up your asset protection plan with your attorney Achieving financial independence and catching up on saving for retirement Selecting your key dream team member who will refer you to your other dream team members Who should be part of your dream team and why Coming up with or eliminating the need for a down payment The Core Skills required for real estate rentals Financing your rental properties Comparing lenders and mortgages to find the optimal financing for you and your strategy Buying down mortgage interest rates to improve cash flow Understanding the four primary returns on rental properties and the secondary return Analyzing rental properties using The World’s Greatest Real Estate Deal Analysis Spreadsheet™ including single family homes, condos, townhomes, duplexes, triplexes, fourplexes and commercial properties with 5+ units Minimizing rental properties expenses and maximizing rental property income to optimize cash flow Understanding the paperwork to buy and sell real estate Completing your inspection, due diligence and appraisal while under contract to buy the property Understanding and optimizing insurance for your real estate business Determining if you’re over-paying for a property or if you’ll get the price you expect when selling a property Understanding the silent killer of rental properties and how to avoid it Buying a new construction property as an investment Setting up and managing your bookkeeping and accounting for your rental property and real estate investing business Understanding the risks associated with investing in real estate and to how to mitigate some of the risks and completely eliminate some of the other risks Evaluate whether you should sell or refi a property you own using return on equity Deferring taxes on property sales using a 1031 tax-deferred exchange Minimizing and optimizing taxes as a real estate investor Achieving financial independence using real estate Plus much more... Check out the video and additional resources related to Secrets to Getting Your First Deal Done . 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 Houston real estate investor podcast? Book a free consultation to discuss.…

1
Secrets of Return on Investment 55:34

8 weeks之前55:34

55:34

Learn the secrets of return on investment for rental properties in Houston. This class is Module 16 of 46 in a series called Real Estate Investing Secrets . Topics covered in this module include: What are the 4 primary areas of return on rental properties? And, what is the secondary return? What time period do we typically look at for returns on rentals? How does that change from analyzing the deal to steady-state of owning the rental property? What are the two types of appreciation? Is appreciation just inflation? How much might appreciation be on a typical rental property? What is cash flow? What expenses does cash flow include in its calculation? How much cash flow might you see on a typical rental property? And, what can cause that number to vary... and by how much? How do you think about paying down the loan on rental properties? How much might you be paying down on a typical rental property? What about the tax benefits on rental properties? How much might you see in tax benefits from a typical rental property? How do we account for needing reserves when buying rental properties? Do we earn returns on reserves? What might that look like on a typical rental property? Looking at all the returns in terms of dollars for three distinct cases. A special downloadable spreadsheet for tracking returns on all your rentals. A deeper look into how good these returns are... and introducing a new way to measure returns to compare them to other investments. What gets included as part of “investment” in return on investment calculations—including two unexpected components that most people miss? And, how do we deal with reserves? Examples of what the return on investment might look like for three distinct cases on a typical rental property. When looking at the return on investment from purchase through sale, what gets included as a cost of sale? How do we calculate Net Sale Price, Profit From Sale Before Taxes, Capital Gains Taxes, Depreciation Recapture Taxes, and Profit After Taxes? A look at annualized return on investment, compound return on investment and internal rate of return (IRR) for rental properties... and why you don’t need to calculate these yourself when using The World’s Greatest Real Estate Deal Analysis Spreadsheet™. Why return on investment is perfect when analyzing a property you’re considering buying and when looking at how an investment performed between when you bought it and when you sold it... but why we use something completely different for properties we currently own. Plus much more... Check out the video and additional resources related to Secrets of Return on Investment . 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 Houston real estate investor podcast? Book a free consultation to discuss.…

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Secrets to House Hacking 1:16:38

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1:16:38

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1
Secrets to Financing 1:21:03

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1:21:03

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1
Secrets to Down Payments 1:42:47

11 weeks之前1:42:47

1:42:47

Learn the secrets of down payments for real estate investing in Houston. This class is Module 13 of 46 in a series called Real Estate Investing Secrets . Topics covered in this module include: Why focusing on down payments is short-sighted and what you should be focused on instead. The two primary ways to address down payments; it is not just about generating down payments. Will it work for me? How to apply these strategies to your unique situation. What’s the median down payment for a house by US state? According to the National Association of Realtors (NAR), what are the top sources of down payments for buyers with transactions in 2023? How do we eliminate or reduce the need for down payments altogether? One (obvious) way to reduce down payments... and the little known, but nasty little problems that method creates instead. What price range of properties will give the best cash flow, lowest hassle, best appreciation and best liquidity? Even though we’re not in a strong seller’s market right now, what are some tips for reducing the need for down payments to utilize if we find ourselves in a strong seller’s market again in the future? What are the best low and nothing down loan programs to reduce the need for larger down payments? What are the nothing down financing options we could utilize? 12 powerful strategies to produce the down payments we need to invest in real estate. Why we strongly recommend you don’t utilize the first strategy for come up with down payments. The dirty little secret about your tenants that could help you with down payments in a pinch. How to “rob from Peter to pay Paul” when you’re in a pinch and why this is not the ideal strategy to generate down payments. How to tap into existing property equity to generate down payments to buy your next property... and what to watch out for when utilizing this strategy. How to utilize “rate and term” refinances—not something typically associated with creating down payments—to create some down payment money. What two things must you consider when borrowing money to generate down payments for buying new properties... and when should you walk away from the idea knowing you made the right decision? How to utilize depreciation to fund your next purchase? Tapping retirement accounts for down payments. Tapping family members for down payments and one little tip that moves providence with you when utilizing family members for down payments. Spinning cobwebs into cash flow by converting unwanted items into new streams of money. Learn how to moonlight for mortgages by earning extra money to generate down payments to start and strengthen rental property cash flows. Why house hacking, short-term rentals, and student rentals are like a profitable, part-time side hustle... and how to utilize them to generate down payments. Why starting a fixer upper business could be your golden road to down payments for real estate riches. Down payments by partnering for real estate profits. Generating down payments from rents on existing properties. The magic of utilizing option fees as down payments and how to get previous properties to completely fund the purchase of your next investment property. Mixing and matching to maximize speed and profitability. Plus much more... Check out the video and additional resources related to Secrets to Down Payments . 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 Houston real estate investor podcast? Book a free consultation to discuss.…

1
Secrets to Selecting an Investor-Friendly Real Estate Agent 1:22:14

12 weeks之前1:22:14

1:22:14

Learn the secrets of selecting an investor-friendly real estate agent in Houston. This class is Module 12 of 46 in a series called Real Estate Investing Secrets . Topics covered in this module include: What is the NAR settlement and how will it likely impact buyers and sellers? What’s the difference between real estate agents, brokers, and REALTORS®? What does the real estate agent do in the transaction? What do the other professionals do? What do you do? Pros and cons of working with one real estate agent versus working with multiple real estate agents? How are brokerage fees paid and what are some typical examples? How do real estate commission splits work? What if a fancy sports car cost the same as a totaled wreck? And, how does this apply to real estate agents? Who saves the commission? A discussion. How to get recommendations for an investor-friendly real estate agent. What real estate agent designations matter and which are fluff? What is the typical annual income of real estate agents before and after taxes/expenses? Why you might want to consider sales volumes as selection criteria. Can you rely on reviews and testimonials? The answer may surprise you. Focusing on real estate agent specialization. Should you hire a lone wolf agent or a team? What are typical value propositions for real estate agents and what else should you look for? What do buyers want most from their real estate agent? Plus much more... Check out the video and additional resources related to Secrets to Selecting an Investor-Friendly Real Estate Agent . 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 Houston real estate investor podcast? Book a free consultation to discuss.…

1
Secrets of Retirement Catch-Up 54:41

13 weeks之前54:41

54:41

Learn the secrets of catching up on saving for retirement in Houston... with an emphasis on using real estate investing. This class is Module 11 of 46 in a series called Real Estate Investing Secrets . Topics covered in this module include: What do you do if you wake up one morning and realize that you’re behind on saving for retirement? What can you do to get back on track? Or, better yet, what can you do to get ahead? Where do most of us begin? What should we do as our first step? What should we try to avoid? What should we aim for ideally? And, what is the end goal? Why “WHAT” you do with your money matters—especially when catching up on retirement saving. The three primary buckets for catching up... The bucket you can rely on the least and why you have little to no control over that bucket... but the one thing we can do to increase our chances with this bucket. A simple discussion of the second bucket... and what’s one little thing—with the dirty B word—that you can do to help jumpstart your catch up. What are the ways we can increase earnings to help us catch up saving for retirement? A discussion on why time saving for retirement does not seem linear: it doesn’t usually take you 10 times longer to save a million than it takes to save $100K. In fact, it may only take you 3 times as long—or less... with the math proving this to be true. A little trick to get that first $100K faster, easier and with less risk than you imagined A discussion of the last 150 years of S&P 500 annual returns... including some surprising facts about what is normal investing in stocks. How does the last 150 years of S&P 500 annual returns compare to the last 133 years of real estate appreciation? Which one is better? Why do I say that? But, what about leverage? What if we leverage when investing in the S&P 500? What if we leveraged investing in real estate? But, what about the 3 other areas of return with real estate investing... cash flow, debt paydown and tax benefits? How do those come into play? How risky is investing in real estate for appreciation? A preview of upcoming module on risk and specifically our Risk Matrix: Appreciation to understand how likely you were to see property values increase and by how much plus how likely you were to see property values decline and by how much. What might you expect to earn from an unleveraged rental property purchased for all cash? How does the return on investment vary for the same property depending on how you finance it (5% down, 15% down, 20% down, 25% down, 30% down, 40% down and all cash or 100% down). How does the return vary if you opt to utilize a vastly improved cash flow strategy like Nomad™ to Short-Term-Rentals? How can this impact your ability to catch up for retirement? The briefest introduction to a future module on return on equity. Plus much more... Check out the video and additional resources related to Secrets of Retirement Catch-Up . 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 Houston real estate investor podcast? Book a free consultation to discuss.…

1
Secrets of Nomad™ Real Estate Investing 1:18:07

14 weeks之前1:18:07