Behind The Shine 9/22/23

    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:   6.990%

    VA:  6.990%

    DSCR Investment: 8.375%

    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.

    Let’s address a common challenge for real estate investors: the down payment.

    For many, this initial hurdle can feel like a substantial roadblock. The truth is, you must find ways to either increase your income or minimize your upfront investment. As you progress, your properties start generating equity, which becomes the foundation for future purchases. 

    At first, progress can be slow, but eventually, you’ll hit a rhythm where capital isn’t a concern anymore. It’s coming from the properties you acquired years ago. 

    However, don’t expect lenders to readily accept less than a 20% down payment, even if you have a solid track record. In fact, 20% is often the minimum requirement, and 25% to 30% is more common. 

    So, how do we move beyond this challenge? One solution is tapping into private money lending from individuals who have idle funds. It’s a form of creative finance where you offer competitive interest rates in exchange for their capital, which can become a significant part of your down payment. Another strategy worth exploring is house hacking. 

    These approaches, coupled with a strong investor’s mindset and an understanding of your long-term real estate goals, can help you navigate the down payment dilemma. 

    Don’t forget to set a reminder in your phone that I’ll be on YouTube live tonight at 5 PM PST with Kyle. We’ll be talking about 

    Come join and ask us questions!

    Step into a vibrant community where kindred spirits come together with a common goal: achieving financial freedom through the dynamic realm of real estate. Prepare for an immersive journey beyond the ordinary and dive into an exceptional realm offering transformative tools, expert mentorship, and unwavering camaraderie from fellow trailblazers.

    Whether you’re a seasoned pro conquering new heights or an eager learner seeking wisdom, your unique path thrives within the Spartan League. Immerse yourself in personalized coaching, tailored strategies, and priceless insider insights that will revolutionize your approach to real estate.

    Embrace the relentless spirit of a Spartan, connect with fellow high-achievers, and embark on an evolutionary expedition into uncharted realms of success. With the Spartan League, we lead the way in pioneering new frontiers and redefining the boundaries of real estate excellence. Join us in shaping the future of financial prosperity.

    Check out this clip from one of our mastermind calls where I came on to give advice to my members about their properties, finances, and get them connected to the right people.

    Let’s talk about wealth and energy. 

    Money, with inflation, loses value over time, like a leaky vessel for your energy. Real estate, however, is a potent energy store. When you invest in property, it not only safeguards your energy but multiplies it through appreciation, cash flow, and value addition opportunities. 

    Each dollar from real estate represents preserved work energy. And when you upgrade to a better-performing property, you’re still a buy-and-hold investor, just optimizing your energy storage. 

    Embark on a transformative journey towards financial freedom with my upcoming book, “Pillars of Wealth: How to Make, Save, & Invest Your Money to Achieve Financial Freedom.” When you pre-order your copy before October 17th, you gain access to exclusive pre-order bonuses:

    🎁 FREE 4-part series of LIVE coaching calls directly with me 

    🎁 FREE Wealth Cake Recipe

    🎁 FREE Worksheet: Building Your Pillars of Wealth

    🎁 PLUS, 1 pre-order will win a 1:1 coaching call with me to be recorded and aired on the Real Estate Podcast!

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