Behind The Shine 10/27

    Get ready for the latest updates on loan rates that will empower you to make informed decisions in the dynamic world of real estate financing.

    No matter if you’re a homeowner, a first-time buyer, or a savvy real estate investor, staying up-to-date with current loan rates is essential. In this week’s update, we turn our focus to rates specifically tailored for primary residences in California, featuring a 20% down payment, $500,000 purchase price, a 30-year fixed term, LPC. The DSCR rate is tailored for an investment in California, featuring a 20% down payment, a 30-year-fixed-term, BPC. Are you ready to dive into the details? Let’s explore the rates for conventional, FHA, VA, and DSCR Investment loans, providing you with the insights you need to navigate the financing landscape effectively.

    Conventional: 8.375%

    FHA: 7.375%

    VA: 7.375%

    DSCR Investment: 9.000%

    If you’re in the market for a loan and need assistance, our team at The One Brokerage is here to help. Visit our website here to explore our loan options and find the right financing solution for your real estate goals and email us at to speak to one of our loan officers.

    There’s a common thread among those who’ve successfully built substantial portfolios – a combination of continuous income generation and living below their means.

    It’s about saving, not extravagant spending, that paves the way to wealth. Money is valued and managed carefully, influencing smart investment decisions that lead to portfolio growth. This often overlooked step of disciplined financial management is key. Many aspire to grow extensive portfolios, yet they aim to skip the crucial phase of frugal living and fiscal discipline. Let’s not forget, these steps are the foundation upon which enduring wealth is built.

    Feared by their adversaries, revered by those they confronted, the Spartans stood as an elite force. Known for their unwavering commitment to safeguarding their comrades, an unquenchable determination to achieve their objectives, and a relentless pursuit of excellence.

    Introducing the Spartan League, an exclusive community of exceptional individuals passionate about real estate investing and finance.

    Crafted to strategize, share profound insights, and forge indomitable bonds, it serves as a rallying cry for those poised to conquer their market, master their impulses, and assert dominance within the industry.

    Enlist with us today and be part of a fellowship of champions, akin to the valorous warriors of ancient Sparta.

    If you’re primed to elevate your real estate investment and financial prowess, enroll now to access the tools of financial strategy and secure your position among the financial elite.

    Check out this clip from our most recent Spartan League call where we had Ben Harris, a fear coach, come and speak to our members.

    Leveraging a HELOC (Home Equity Line of Credit) can be a smart move in certain situations, like flipping, lending, or the BRRRR strategy. However, when it comes to using it for a down payment on a home, caution is key. 

    Economic downturns and tenant challenges can quickly create a double financial bind, even when you’ve done everything right. Remember, the market’s unpredictability can sometimes throw you a curveball. So, weigh your options wisely and stay informed. Your financial security depends on it.

    I’m thrilled to announce that my latest book, “Pillars of Wealth: How to Make, Save, and Invest Your Way to Financial Freedom,” has officially hit the shelves! This book is the culmination of my years of experience in real estate, finance, and wealth-building, and I can’t wait to share it with you.

    In “Pillars of Wealth,” you’ll discover:

    Proven Strategies: Learn the time-tested strategies to make, save, and invest money wisely, no matter where you are in your financial journey.

    Real-Life Stories: Gain insights from real-life stories of successful individuals who have achieved financial freedom.

    Actionable Advice: Get practical tips and guidance that you can implement right away to start building your wealth.

    Whether you’re just starting or well into your wealth-building journey, this book has something for you. I’ve poured my heart and soul into this project, and I believe it can make a significant impact on your financial future. Be sure to leave a review!

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