by G. Brian Davis | Last updated Nov 5, 2024 | Active Real Estate Investing, Creative Financing, Personal Finance, Spark Blog |
The Big Picture on If And When to Refinance Rental Property: Refinancing is most advantageous when interest rates drop significantly compared to your current mortgage, allowing you to reduce monthly payments and improve cash flow. Landlords can leverage cash-out...
by G. Brian Davis | Last updated Sep 22, 2024 | Active Real Estate Investing, Creative Financing |
The Big Picture On The Minimum Down Payment For An Investment Property: You can borrow at a higher LTV (loan-to-value ratio) if you live in the property for at least a year, have higher credit scores, negotiate seller financing, or cross-collateralize with other...
by G. Brian Davis | Last updated Oct 10, 2024 | Active Real Estate Investing, Creative Financing, Personal Finance, Spark Blog |
The Big Picture On Clever Ways To Come Up With Down Payment For A Rental Property: Various financing options exist for rental property down payments, such as using home equity lines of credit (HELOCs), borrowing from retirement accounts like 401(k)s or IRAs, and...
by G. Brian Davis | Last updated Oct 17, 2024 | Active Real Estate Investing, Airbnb & Short-Term Rentals, Creative Financing, Passive Real Estate Investing, Spark Blog |
The Big Picture on Real Estate Investing Strategies: Real estate investment strategies vary widely, from residential rental properties to commercial real estate and raw land, each with unique benefits and challenges. Proper due diligence, including understanding local...
by G. Brian Davis | Last updated Feb 20, 2024 | Active Real Estate Investing, Creative Financing, Spark Blog |
What’s the difference between hard money and private money loans? Real estate investors sometimes use these terms interchangeably. Many hard money lenders are private lenders, and vice versa, making the discussion more confusing. Fortunately, understanding the...
by G. Brian Davis | Last updated Feb 12, 2024 | Active Real Estate Investing, Creative Financing, Spark Blog |
Financing real estate investments can be tricky when you’re self-employed. Lenders look for consistent income, which is harder to show without a W-2. But getting a mortgage is very doable with the proper documentation verifying your earnings, plus preparation...