Get Rich Education

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386: Today's Mortgage Lending Landscape with Caeli Ridge Feb 28, 2022

Show notes

Residential and warehouse real estate have been two hot sectors.

With spiking house prices, investors are pushing out first-time home buyers. This increases the size of the renter pool.

Historically, when mortgage rates rise, so do home prices. It's the opposite of what most people think.

For income property loans, get started at: RidgeLendingGroup.com

Learn what it takes to qualify for a conventional loan on investment property: down payment, credit score, debt-to-income ratio, etc.

There's an update on today's refinance climate.

Appraisals are generally keeping up with today's hotter appreciation rates.

Learn about the easiest loan to qualify for that you've potentially ever experienced - the "DSCR".

Resources mentioned:

Get mortgage loans for investment property:

RidgeLendingGroup.com or call 877-74-RIDGE

www.GetRichEducation.com/episode/386

Show Notes:

JWB's available Florida income property:

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385: Will Higher Mortgage Rates Crash Housing? Snowballing Effect Of Growing Your Portfolio Feb 21, 2022

Show notes

Inflation hit its highest since 1982. The government admits that the CPI is now 7.5%.

Even if your wages don't keep up proportionally with inflation, learn about how to profit from inflation with real estate.

What happens when your tenant can't afford today's higher rents? You get answers.

Get my prediction on what will happen in a higher interest rate environment.

Our COO Aundrea Newbern, MBA, joins us. She tells us about the snowball effect of scaling up your real estate portfolio.

In a tight market with low real estate inventory, rather than the buyer waiving their inspection, it's often better to shorten your due diligence period.

Aundrea tells us how to pay yourself a W-2 salary through your LLC. This helps you qualify for more mortgage loans.

E-mail Aundrea about finding Georgia income property at: info@getricheducation.com

Resources mentioned:

www.GetRichEducation.com/episode/385

Show Notes:

Get mortgage loans for investment property:

JWB's available Florida income property:

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www.GREmarketplace.com/Belize

384: How To Own A Piece Of Margaritaville Feb 14, 2022

Show notes

A laid-back lifestyle in a tropical climate typifies "Margaritaville".

Margaritaville is a popular and flourishing real estate brand. There's also short-term rental income stream for you here.

A new location is opening in Belize. It is closer to more of the US than Hawaii, and with warmer water.

It has the largest reef in the hemisphere, good for snorkeling, diving, and fishing.

This under-construction project has Caribbean beachfront.

The partners with the development are the largest private employer in Belize and the nation's largest law firm.

Learn more about owning a Margaritaville villa in Belize at: www.GREmarketplace.com/belize

My guest & I discuss the lifespan of tourist locales. They emerge with visits from young backpackers. Later in the cycle, once "discovered", it matures into visits from affluent tourists.

This is a rare opportunity for an everyday investor to partner with a strong brand - Margaritaville.

You can own a villa, use it for a few weeks a year, and rent it out for the remainder of the year. You can leverage Margaritaville's STR management partner.

Prices start in the low $200Ks.

Real estate contracts are brief and written in English. In Belize, you don't need title insurance. The government backs all titles.

In-person tours are available and encouraged. Our show guest really wants to show you Belize.

Learn more and get started at: www.GREmarketplace.com/Belize

Resources mentioned:

Get started with this opportunity at:

Show Notes:

www.GetRichEducation.com/episode/384

Get mortgage loans for investment property:

JWB's available Florida income property:

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www.GetRichEducation.com/383

383: What I'm Afraid Of - Interview Gets Personal Feb 07, 2022

Show notes

Housing prices surged 20% annually. Rents have now caught up, rising 19.3%.

New homebuilding hit a 45-year high.

There are three ways to measure housing market vibrancy: months of available inventory, sale-to-list price ratio, and days on market (DOM).

The level of available housing is now just one-fifth of what it needs to be.

A new poll shows that "work from home" trends benefit both bosses and employees.

I tell you about my Ecuador trip.

Our Operations Lead, Aundrea Newbern, MBA interviews me about real estate and my personal life.

Resources mentioned:

Show Notes:

Today's American housing supply:

https://fred.stlouisfed.org/series/ACTLISCOUUS

Video: Fitness & Financial Freedom, Age:

https://youtu.be/jqxjEFC_CYM

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JWB's available Florida income property:

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www.GetRichEducation.com/382

382: Dismal State Of High School Financial Education Jan 31, 2022

Show notes

A high school teacher reveals the sad state of financial education today. Most students still think the path is: go to school, get good grades, go to college, get a job, work until you're 65, and then start enjoying life.

Dan Sheeks is a Denver, Colorado-based high school teacher and real estate investor.

He enjoys working with teenagers. He also volunteers for the Colorado Attorney General to advance financial education.

Just last month, Dan released a book with Bigger Pockets: "First to a Million: A Teenager's Guide to Achieving Early Financial Independence". See it here.

He discusses solutions for teenage financial independence:

1) When you turn 18, get your first credit card

2) "House hack" real estate by age 21

3) Good debt vs. bad debt - do teens understand?

4) Mindset

5) Avoiding mistakes like "meme coins"

6) Saving

Dan tells us the two main reasons why there's a pathetic lack of financial education in school today - funding and politics.

Resources mentioned:

Show Notes:

If you have a child, get Dan's book:

First to a Million: A Teenager's Guide to Achieving Early Financial Independence

Dan Sheeks' online community for young people:

www.SheeksFreaks.com

Dan Sheeks' e-mail (It's OK to message him):

dan@sheeksfreaks.com

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Get mortgage loans for investment property:

JWB's available Florida income property:

New Const. Florida SFHs & multifamilies:

Best Financial Education:

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Top Properties & Providers:

Keith's personal Instagram:

www.GetRichEducation.com/381

381: The Most Resilient Real Estate Market In America Jan 24, 2022

Show notes

There are two main ways to create wealth. Debt-free is not one of them. If you only use your own money, you'll stay small.

Learn why most investments are like baseball cards.

One market in America has such astounding resilience that prices were hardly dented in the 2008 financial crisis.

Median home prices are still below $300K here today.

Dallas-Fort Worth now spans 11 counties, with 7.6M people.

This real estate provider focuses on the DFW suburbs. That's where the growth is happening.

Importantly, they use a plan for mitigating their higher Texas property taxes.

Housing here appears undervalued and underpriced. People are often underhoused.

Due to supply shortages, next day appliance delivery has disappeared.

This real estate provider has plenty of available inventory right now. They offer you in-house property management at 6.5%. SFR prices are $160K-$225K.

This is an actionable resource where you could buy property and benefit from the five ways you're paid at: www.GREmarketplace.com/Texas

Resources mentioned:

Show Notes:

Get started with Texas property:

www.GREmarketplace.com/Texas

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Get mortgage loans for investment property:

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New Const. Florida SFHs & multifamilies:

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www.GetRichEducation.com/380

380: Does This State Have The Most Profitable Properties? Jan 17, 2022

Show notes

You've been making $438 each night in your sleep. That's one result if you've been following my plan.

I compare real estate's annual performance to: stocks, gold, silver, bitcoin, bonds, and oil.

This state ranked 3rd in Moody's Housing Affordability Index, has the 7th-largest domestic economy, and is a two-hour flight from 75% of the US & Canada.

This state is also home to offices for Google, Facebook, Carvana, and more. In 2020, it ranked 4th of 50 states in U-Haul's net in-migration.

You can still achieve a full 1% rent-to-value ratio here. Get started at: gremarketplace.com.

Today's guests own a turnkey company with three models:

Signature Series - fully renovated

Instant CashFlow Series - occupied, not rehabbed

Equity Advantage Series - vacant, not rehabbed

This provider has stopped charging leasing fees for property management. Remarkable.

Resources mentioned:

Show Notes:

Get started with Ohio property:

www.GREmarketplace.com/Cincinnati

www.GREmarketplace.com/Dayton

Check out Flip & Dani Lynn's new podcast:

Freedom Through Passive Income

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Get mortgage loans for investment property:

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www.GetRichEducation.com/379

379: The President of the Mises Institute Jan 10, 2022

Show notes

A homeowner's average equity position is now $294K. That's what the median home value was not long ago - now it's one's equity.

I give a quick recap of major economic and real estate events this past year.

Last year, there was an average $56,700 of equity growth per property.

Our new website, GREmarketplace.com is rolling out. Register and get access to all of our: turnkey providers, pro formas, and sample properties. See videos of us interviewing property managers too.

Jeff Deist, President of the Mises Institute joins me.

The Mises Institute champions liberty and free market principles. Learn more about them at www.Mises.org

Jeff & I discuss: real estate and rental markets, inflation, work from home, cash, low interest rates, debt.

I ask Jeff how long he thinks we'll see real price inflation through the 2020s decade, and prospects for a double dip recession.

Get our free wealth-building "Don't Quit Your Daydream" Letter. I write it myself: www.GetRichEducation.com/Letter

Resources mentioned:

Show Notes:

Mises Institute website:

www.Mises.org

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www.GetRichEducation.com/378

378: Happy New Fear: RV Ratios, Property & Crypto Taxes with Tom Wheelwright Jan 03, 2022

Show notes

With higher property prices, what rent-to-value ratio makes sense today? I answer this thoroughly.

Lower RVs make sense today due to: lower interest rates, new-build properties, the timing of equity harvesting and more.

GRE Marketplace is coming soon.

Tom Wheelwright joins us to help you reduce your property tax and cryptocurrency tax.

Learn why some states have higher property tax than income tax or vice versa - CA, TX, NY, NJ, AK, and more.

Many property tax professionals only get paid based on how much they reduce your property tax.

Learn what works in actually getting your property tax reduced: comparables.

In cryptocurrency, you are taxed on either a sale or an exchange - not just a sale. For example, if you trade bitcoin for ethereum, you have a tax consequence.

If you buy a $3 cup of coffee with crypto, that is usually taxed.

Miners of crypto are taxed when they mine it, not only when they sell it.

Crypto is taxed at capital gains tax rates.

Tom does not believe that crypto will be outlawed in the US. Rather, it will be regulated through taxation and reporting.

Get our free wealth-building "Don't Quit Your Daydream" Letter. I write it myself: www.GetRichEducation.com/Letter

Resources mentioned:

Show Notes:

Tom Wheelwright's website:

www.WealthAbility.com

Tom's popular book (I've read it):

Tax-Free Wealth

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Get mortgage loans for investment property:

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