Behind The Shine 11/24/23

    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: 7.750%

    FHA: 6.625%

    VA: 6.625%

    DSCR Investment: 8.500%

    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.

    In the realm of real estate investing, there’s a colossal lie that many of us unwittingly fall for—the belief that accumulating knowledge is synonymous with taking action. It’s like knowing all the ins and outs of a perfect pushup but never actually doing one.

    In this space, it’s easy to immerse ourselves in podcasts, courses, and books, feeling accomplished with the wealth of information we’ve amassed. But then reality hits—we’re caught in the trap of perpetual learning without execution. Meanwhile, there are folks out there not drowning in books but getting fit by consistently putting in the work.

    This lie challenges the conventional wisdom that knowledge equates to action. Sure, we all know the basics—like sugar is bad, exercise is crucial, and investing requires hands-on experience. But knowing doesn’t always translate into doing.

    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.

    Let’s talk about a common pitfall—even the most successful individuals in our industry can stumble upon. It’s the tendency to skip due diligence when influential figures are involved. Picture this: renowned names in real estate backing a venture. It seems foolproof, right?

    But here’s the catch. Everyone, including accomplished investors, can make this critical mistake. The allure of a deal endorsed by industry giants creates a sense of security. It feels right, it seems thorough, and it appears that due diligence is covered.

    It’s akin to underestimating the ocean’s undertow. You’ve been in the water countless times, and it doesn’t seem that perilous. Yet, that one moment, the undertow catches you off guard, and you’re left shaken.

    Similarly, in real estate, the ripple effect of bypassing due diligence is staggering. When one investor, seemingly well-versed, takes the plunge, others follow suit. It creates a chain reaction where due diligence is assumed but often neglected.

    The takeaway? Never underestimate the importance of your due diligence. Don’t rely solely on the endorsements of others, no matter how reputable. The domino effect of overlooking this crucial step can have far-reaching consequences. Please stay vigilant, do your homework, and make sure your investment decisions are grounded in thorough research.

    Exciting news for the Black Friday weekend! My bestselling books, “Pillars of Wealth” and “Long-Distance Real Estate Investing,” are now part of BiggerPockets’ annual Black Friday Sale, with discounts of up to 60%!

    Whether you’re keen on mastering the fundamentals of financial success or delving into the intricacies of long-distance real estate, this bundle is your key to wealth-building wisdom. 💰✨

    Here’s the scoop:

    🎁Books on Sale: “Pillars of Wealth” and “Long-Distance Real Estate Investing”

    🎁Discount: Up to 60% off!

    🎁Bonus: Use code DAVID for an EXTRA 10% off at checkout.

    🎁Sale Period: Today through Monday

    Ready to supercharge your financial journey? Head over to and unlock the secrets to financial freedom! Hurry, this offer is valid only through the weekend. Don’t miss out on this opportunity to level up your wealth-building game! 

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