Behind The Shine 11/10/23

    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: 7.875%

    FHA: 6.990%

    VA: 6.990%

    DSCR Investment: 8.875%

    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.

    For the longest time, success in real estate was all about one thing: how many properties you could stack up in your portfolio. But it’s time to change the game.

    Success, especially in the 2020s, isn’t just about the numbers you’ve gathered in your real estate journey. It’s about being clever with what you’ve got. The big question is, what’s more impressive: piling up new properties or mastering the art of managing what you already own?

    Consider this scenario: Picture yourself with a massive portfolio. It’s impressive, no doubt. But what if I told you that the real power move might be reducing your debts and making your current investments shine? It’s not just about collecting assets; it’s about mastering the assets you’ve got.

    Maybe it’s not about how much you have, but how you handle what’s already in your hands. Think about it. 

    Introducing the Spartan League: where the spirit of ancient Sparta meets the modern world of real estate and finance. Just as the Spartans were revered in their time, we bring together a community of exceptional individuals who are deeply passionate about real estate investing and financial mastery.

    Like the elite warriors of old, our members share an unwavering commitment to safeguarding each other’s success, an unquenchable determination to achieve their financial goals, and a relentless pursuit of excellence.

    Within the Spartan League, you’ll find a powerful platform for strategizing, exchanging profound insights, and forging indomitable bonds. It’s the place where champions come to conquer their market, master their impulses, and establish dominance within the industry.

    Join our ranks today and become part of a fellowship of modern-day champions, united by their commitment to financial excellence and success in real estate investing. If you’re ready to elevate your investment and financial prowess, enlist now to access the tools of financial strategy and secure your position among the financial elite.

    Check out this clip from one of our recent mastermind calls where real estate attorney and investor Bonnie Galam came to speak on how you can protect yourself in the industry.

    You’ve probably pondered whether it’s time to part ways with your current real estate investments. Before you take that leap, hold up, and let’s chat.

    See, there’s a fantastic opportunity right at your fingertips: exploring new possibilities. That means checking out what’s on the market or how you can add value to your existing properties. Maybe, just maybe, you can supercharge your cash flow and build more equity without saying goodbye to what you’ve got.

    But here’s the scoop. Before you decide to sell, there are two things to consider. First, think about what you could do with the money you get from the sale. Then, take a moment to tally up the costs of making that sale. You’ll want to factor in everything to see if it’s really worth it.

    Now, the golden rule of wealth building: Take the long view. Imagine where you want to be in a decade. Will holding onto your current properties and letting them appreciate over time lead you to that financial sweet spot? Or is it smarter to cash out now?

    Remember, the game of building wealth is a marathon, not a sprint. 

    My latest book, “Pillars of Wealth: How to Make, Save, and Invest Your Way to Financial Freedom,” is now on the shelves! This book represents the culmination of my years of experience in real estate, finance, and wealth-building, and I’m eager to share it with you.

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

    Proven Strategies: Discover time-tested methods to make, save, and invest your money wisely, regardless of where you stand on your financial journey.

    Real-Life Stories: Gain insights from the journeys of individuals who have achieved financial freedom, learning from their real-life experiences.

    Actionable Advice: Find practical tips and guidance that you can put into practice right away to kickstart your wealth-building endeavors.
    Whether you’re at the beginning of your financial journey or well into it, this book offers valuable insights. I’ve invested my heart and soul into this project, and I believe it can have a significant impact on your financial future. Don’t forget to share your thoughts with a review!

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