Pueblo Real Estate Investing & Real Estate Financial Planning™ Podcast

The World's Greatest Real Estate Deal Analysis Spreadsheet™ Updated I know this sounds controversial, but I'll say it because it is true: everyone else's deal analysis spreadsheet for buying rental properties is wrong. How? First, they don't take into account that you MUST have reserves to buy rental properties. A correct deal analysis spreadsheet will take into account both the return you earn on...

Improving Cash Flow When Considering Your Real Estate Investing Strategy When prices are high, mortgage interest rates are high, and rents are lagging, it can be more challenging than ever to generate great cash flow from a rental property. However, it is also more important than ever to do everything in your power to maximize cash flow. There are 88 strategies for improving cash flow on rental pr...

What is the ideal down payment when purchasing a rental property? While some real estate investors may barely scrape together the minimum down payment, there are advantages to putting down more. Additionally, changing your strategy to allow for a smaller down payment may also have advantages. In this mini-class, James discusses how different down payment amounts can affect interest rates, overall...

Property prices and interest rates are high, while rents are lagging. Cash flow is both more important and harder to achieve than ever, even with our 88 strategies to improve and maximize it. But a debate still remains: should you use smaller 5% down payments with the Nomad™ real estate investing strategy to acquire your rental properties, or should you save up 20% and buy non-owner-occupant prope...

How to Get the Down Payment When Buying Rental Properties There are two primary ways to deal with down payments when buying rental properties: first you can REDUCE the need for them and second you can focus on ways to PRODUCE the down payment required. In this mini-class, James discusses strategies to produce the down payments when buying rental properties. Check out the video of this class here:...

Improving Cash Flow When Financing Your Next Rental Property When prices are high, mortgage interest rates are high, and rents are lagging, it can be more challenging than ever to generate great cash flow from a rental property. However, it is also more important than ever to do everything in your power to maximize cash flow. There are 88 strategies for improving cash flow on rental properties, wi...

Reduce the Need for Down Payments When Buying Rental Properties There are two primary ways to deal with down payments when buying rental properties: first you can REDUCE the need for them and second you can focus on ways to PRODUCE the down payment required. In this mini-class, James discusses strategies to reduce the need for down payments when buying rental properties. Check out the video of thi...

How Much Down Payment for Investment Property? Check out the video of this class here: https://realestatefinancialplanner.com/how-much-down-payment-for-investment-property/ In this special mini-class for the Real Estate Financial Planner™ coaching program James covers: The two primary groups of loans for real estate investors... How much down payment for an investment property? Which loans are goo...

What does a real estate agent do when you're buying a rental property? What are you use responsbible for? What do each of your other dream team members do? In this special mini-class for the Real Estate Financial Planner™ coaching program James covers: What's the difference between a real estate agent, broker and Realtor? A word on local variation from market to market and how to find out exactly...

Don't wait until after you own your rental property to start optimizing cash flow. In this special recording, James discusses all the strategies for improving cash flow while you're actively searching for the next rental property to buy. In this special mini-class for the Real Estate Financial Planner™ coaching program James covers: Real Estate Agent Selection - Besides all the things that a typic...

When should you upgrade or do improvements to your rental property? How do you tell if it is worthwhile doing the improvements/upgrades? In this special mini-class for the Real Estate Financial Planner™ coaching program James covers: Where are we as we improve rental property cash flow/now? Distinctions between BRRR/R and taking advantage of forced appreciation for a quick sale and keeping a renta...

The Your Financial Independence module for the new Real Estate Financial Planner Coaching program for folks looking to buy a property in the next 90 days that will move them closer to financial independence despite high prices, high interest rates and lagging rents. James covers: Does buying this property move you closer to your goal of being financially independent? What financial independence is...

Introduction to the Real Estate Financial Planner Coaching program for folks looking to buy a property in the next 90 days that will move them closer to financial independence despite high prices, high interest rates and lagging rents. James covers the 7 steps all real estate investors should go through when buying a rental property and the 20 modules in the new coaching program for those looking...

What does financially independent mean? Find out in this special, deep-dive podcast episode. James defines financially independent: Passive Income from things like social security, pensions and annuities Net positive cash flow from rental properties Safe withdrawal rate times other invested assets like stocks and bonds James discusses how you need to have clarity on what financial independence loo...

Learn how to calculate Cash on Cash Return on Investment for rental properties in Pueblo. James walks you through, step-by-step, how to calculate Cash on Cash Return on Investment for rental properties in Pueblo including all the sub-calculations including Gross Potential Income (GPI), Gross Operating Income (GOI), Operating Expenses (OpEx), Net Operating Income (NOI), and Cash Flow. And, where to...

Learn how to calculate cap rate on rental properties in Pueblo. James walks you through, step-by-step, how to calculate capitalization rate (cap rate) on rental properties in Pueblo including all the sub-calculations including Gross Potential Income (GPI), Gross Operating Income (GOI), Operating Expenses (OpEx), and Net Operating Income (NOI). And, where to get every number you'll need to do the c...

Real estate prices in Pueblo are high. Mortgage interest rates are high. Rents are lagging in Pueblo. Is real estate a good investment in Pueblo right now? In this special webinar James discusses why you might still want to invest in real estate in Pueblo despite high prices, high interest rates, and lagging rents. James will discuss why Charlie Munger says that the first $100K is the hardest . Pl...

The Nomad™ real estate investing strategy has you buying properties as an owner-occupant, living in them for at least a year… to fulfil your obligations to the lender for getting a low/nothing down loan with better interest rates… then converting them to a rental and moving into a new property. Repeat this until you have the number of rental properties you desire. But, how does the Nomad™ real est...

Learn more about modeling your real estate investing strategy in CityName using a variety of different rules in the Real Estate Financial Planner™ software . Watch the video version of this class: https://realestatefinancialplanner.com/modeling-your-real-estate-investments-rules-overview/ Resources Mentioned In Class Real Estate Financial Planner™ Software - Get a free account on the Real Estate F...

You can purchase a property in Pueblo, Colorado using an FHA loan with just 3.5% down. Heck, sometimes you can even get down payment assistance to help with the 3.5% down payment. But there are other loans with lower down payment options. However, when you put less than 20% down, FHA loans require you buy insurance to protect the lender in case you default on the loan. This insurance… called Mortg...

Are we currently over-building? Have we been over-building in the last few years? Where are all the 5+ unit new construction properties? What can builders tell us about impending recessions? Find out the answers to these questions and more in this first-ever chart reaction podcast episode and video from James as he goes over the following two charts from Bill McBride’s Calculated Risk Blog . See t...

James is interviewed by Dave Goldberg with The Investor's Source about the effects of shifting economic forces on the real estate market. Watch the video version of this interview: https://www.youtube.com/watch?v=DELMeIdX8KE Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to: https://RealEstat...

This is a very personal recording of a class I recorded on March 10, 2021 for our real estate investor group in Northern Colorado. In it I share some very failures and what I wish I knew if I was getting started investing in real estate in Pueblo. Here's my list of tips: Not Get Rich Quick "A great business at a fair price is superior to a fair business at a great price." – Charlie Munger Reserves...

This is a recording of a class I recorded way back in June, 2021 for our real estate investor group in Northern Colorado. So, why am I publishing a class that's over a year old on October 24, 2022? Over the last month, I've had several people suggest to me or ask me if in our current real estate market in Pueblo... a real estate market where... Prices are UP... A LOT! Interest rates are UP... A LO...

With rising interest rates in Pueblo, some real estate investors wonder what's a reasonable mortgage interest rate to use when planning out their next purchases. This episode was recorded to help real estate investors better understand historical mortgage interest rates and what is reasonable to use when modeling future real estate purchases. If you're buying a property in the next 30-90 days... j...