Behind The Shine 9/8/23

    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:  7.125%

    VA: 7.250%

    DSCR Investment: 8.250%

    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 clarify a common misconception: appreciation is not synonymous with speculation. Often, when people hear ‘appreciation,’ they assume it’s all about hoping prices rise without a solid plan in place. No cashflow, no equity strategy, just fingers crossed for price hikes. But that’s not what we’re discussing here.

    There’s a calculated approach to real estate investment that harnesses the power of appreciation effectively. That’s smart investing. Even smarter? Aligning your strategy with your market’s strengths. If your area thrives on cashflow, focus there. 

    If it’s an appreciation hotbed, seize the opportunity. And when creativity opens doors, walk right through. Go with the flow and make the most of your unique market conditions.

    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 thriving haven where kindred spirits unite, fueled by a common mission: attaining financial liberation through the dynamic realm of real estate. Brace yourself for an immersive journey beyond the ordinary. Dive into an unparalleled realm offering transformative tools, expert mentorship, and unwavering camaraderie from fellow trailblazers.

    Whether you’re a seasoned pro conquering new summits or a wisdom-hungry seeker, your unique path thrives within the Spartan League. Immerse yourself in bespoke coaching, tailor-made strategies, and invaluable insider insights that will revolutionize your approach to real estate.

    Embrace the unbreakable spirit of the Spartan, connect with fellow high-achievers, and embark on an evolutionary expedition into uncharted realms of triumph. With the Spartan League, we pioneer new frontiers and redefine the boundaries of real estate excellence.

    Check out this exclusive clip from one of our Spartan League calls where we had a guest on, Brandon Neth, who came on to talk about the importance of credit and credit card rewards real estate investors should be taking advantage of!

    Time and energy are finite resources, but we sometimes forget that capital also has its limits, especially when we’re putting down hefty 20% payments on every deal. The worst-case scenario is buying a handful of bad deals, exhausting your capital prematurely, and losing faith in real estate investing.

    As you’re learning the ropes, my advice is to preserve as much capital as possible in your initial deals. Avoid large-scale renovations that demand hundreds of thousands of dollars upfront. Don’t feel compelled to put down 20 or 25% just to chase cashflow. Instead, start with primary residence loans, 3.5% or 5% down. Learn the fundamentals while safeguarding your capital. Once you’re comfortable with the investing rhythm, then unleash your financial potential. 

    Start small, then scale up when you’ve mastered the game.

    My upcoming book, “Pillars of Wealth: How to Make, Save, and Invest Your Way to Financial Freedom,” is set to hit the shelves on October 17, 2023. To mark this milestone, I’m thrilled to share that Bigger Pockets is hosting an incredible giveaway. You could win a bundle of my books, including the much-anticipated “Pillars of Wealth”!

    If you’re ready to dive into the secrets of financial freedom and discover how to maximize your money, this giveaway is your golden ticket to gain invaluable insights and game-changing strategies.

    Don’t miss out on this opportunity! To enter and seize your chance to win, click here.

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