最高の Beaverton ポッドキャスト (2024)

1
Warning - Risks of Missed Inspection Issues When Investing in Real Estate 34:51

7d ago34:51

34:51

There's a risk to just about everything in life... including investing in real estate. One risk that some real estate investors fear is the risk of buying a property having missed important, expensive issues with the property during the inspection period. In this class, James will discuss the risk of investing in real estate and specficially the ri…

1
How Return on Investment Changes Based on How You Pay PMI 29:20

14d ago29:20

29:20

If you're going to put less than 20% down when buying a property, the lender is likely to require that you pay private mortgage insurance (PMI) to protect them in case you default on the loan. This usually applies to Nomads™, house hackers, and investors putting 15% down to acquire non-owner-occupant properties. There are 3 ways to pay PMI: Monthly…

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Warning - Risks of Interest Rates Rising When Investing in Real Estate 47:13

21d ago47:13

47:13

There's a risk to just about everything in life... including investing in real estate. One risk that some real estate investors fear is that rising mortgage interest rates will: Increase their mortgage payment and therefore hurt cash flow, or The rising mortgage interest rates will lower affordability and demand for properties, and therefore the va…

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Warning - Risks of Tenants Trashing Properties When Investing in Real Estate 45:05

28d ago45:05

45:05

In this special class about the dangers, risks and warnings of investing in real estate: The #1 fear that keeps potential landlords and new real estate investors up at night! Expert insights on why this fear is more common among inexperienced landlords and investors in challenging real estate markets. Real-life horror stories of tenants causing sig…

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How to Analyze an All-Cash Rental Property Purchase 1:13:19

1M ago1:13:19

1:13:19

Interested in learning how to analyze deals using The World's Greatest Real Estate Deal Analysis Spreadsheet™? Specifically, do you need to know how to analyze a deal purchased with an interest-only loan? In this special deal analysis, you will: Discover the secret strategy for analyzing the purchase of a rental property with an interest-only loan …

1
Haunted Houses or Hidden Treasures? Decoding Stigmatized Real Estate 24:48

1M ago24:48

24:48

Life has risks. Investing adds new risks. Investing in real estate adds new risks specific to real estate investing. One risk that is unique to real estate investing is the risk of buying a stigmatized property or having a property become stigmatized while you own it. In this class, James will: Uncover hidden gems in the real estate market and turn…

1
Real Estate Investing Through Massive Foreclosure Periods 51:09

2M ago51:09

51:09

Real Estate Investing Through Massive Foreclosure Periods Join us for an exclusive episode of the REFP podcast, focusing on "Real Estate Investing Through Massive Foreclosure Periods." In this enlightening episode, you'll dive into the following insights: Discover the secret to making money during economic downturns, a strategy that can set you apa…

1
Deal Alchemy™ - Debt Paydown to Cash Flow 25:16

2M ago25:16

25:16

Deal Alchemy™ - Debt Paydown to Cash Flow Join us for an exciting and enlightening class with James Orr as he delves into the fascinating world of Deal Alchemy™. In this class, listeners will discover a surprisingly powerful strategy that has the potential to drastically improve cash flow on rental properties. Whether you're considering buying a ne…

1
Tax Deductibility of PMI Payments 14:17

2M ago14:17

14:17

Tax Deductibility of PMI Payments Are you an owner-occupant puzzled by the ever-changing rules around PMI (Private Mortgage Insurance) deductibility? Or perhaps an ambitious real estate investor, hungry to maximize your deductions and supercharge your profits? Then this class is your golden ticket to the world of tax wisdom! Join us for an exhilara…

1
Functional Obsolescence Unveiled: The Silent Value Killer in Real Estate Investments—and How to Defeat It! 31:00

2M ago31:00

31:00

Functional Obsolescence Unveiled: The Silent Value Killer in Real Estate Investments—and How to Defeat It! There's a often overlooked risk of investing in reale state: obsolescence. Whether we're focused on properties that are or will become functionally obsolete or drift directly into economic or physical obsolescence... these are real-world risks…

1
How to Analyze an All-Cash Rental Property Purchase 1:08:45

3M ago1:08:45

1:08:45

How to Analyze an All-Cash Rental Property Purchase Deal analysis is important. Learning how to analyze deals is a critical skill for all real estate investors, whether you're financing 100% of the purchase or buying a property without a loan at all and paying all cash. In this class, we will look at how deal analysis changes when you plan to buy a…

1
How Return on Investment Changes Based on Credit Score With PMI 41:47

3M ago41:47

41:47

How Return on Investment Changes Based on Credit Score With PMI Does your credit score really matter when you're buying rental properties? Sure, your credit score impacts the mortgage interest rate you can get with traditional mortgages. And yes, your credit score affects how much private mortgage insurance (PMI) will cost. Your credit score can al…

1
Is It Better to Buy Rentals with 25% Down or All Cash After Buying an Owner-Occupant? 31:20

3M ago31:20

31:20

So, are you stressing out over higher mortgage interest rates and properties not cash flowing as well as they used to, or in some markets, not having positive cash flow at all... even with 25% down? What's a real estate investor seeking financial independence to do? In this class, we will compare two strategies. In both strategies, you first buy an…

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The Impact of Buying Properties at a 5% Discount When Nomading™ 26:18

3M ago26:18

26:18

So, you're considering Nomading™. Excellent! But as you dig into the details, you may wonder what the impact would be if you chose to buy a more desirable, higher quality, but maybe less optimal property at full price (without a discount), versus focusing on finding a slightly less desirable, slightly lower quality, but slightly more optimized rent…

1
Deal Alchemy™ - Black Box Cash Flow 31:50

3M ago31:50

31:50

Deal Alchemy™ - Black Box Cash Flow Deal Alchemy™ is all about manipulating returns to get the returns you desire most. One variation of Deal Alchemy™ has you think about your rental property investment as a black box. You put money into the black box, some magical things happen over the next few years and out pops profit which you can spend like c…

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Episode 19: The Fall of Jerusalem and Matthew 23:37-24:35 1:16:10

4M ago1:16:10

1:16:10

Today Adam and Matthew discuss more material that was left out of Sunday's sermon. This material relates to the historical narrative around what exactly happened to the city of Jerusalem and the temple in 70 AD. What is it about the fall of the temple to the Zealots, and of the city to the Roman General Titus, that makes these events as a whole a g…

1
Warning - Risks of Rental Demand Declining When Investing in Real Estate 27:04

4M ago27:04

27:04

Warning - Risks of Rental Demand Declining When Investing in Real Estate Risk, risk, risk... Life is full of risks. To a limited degree, we get to choose which risks we voluntarily take on. For example, if you choose to invest in real estate, you choose to take on some additional risks that you might not—directly—face if you opt to invest in someth…

1
Private Mortgage Insurance Myths 27:18

4M ago27:18

27:18

Private Mortgage Insurance Myths Reputation can be a challenging thing. I have found, through many conversations with clients over the years, that Private Mortgage Insurance (PMI) has a questionable reputation with home buyers in general and investors in particular. However, much of its reputation is based on half-truths, bad information, lies, and…

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Warning - Risks of Neighborhood Decline When Investing in Real Estate 28:17

4M ago28:17

28:17

Warning - Risks of Neighborhood Decline When Investing in Real Estate Everything in life has risks. Not investing adds certain types of risks, while investing adds other risks. One risk that some real estate investors face is the possibility that the neighborhood they're investing in will decline, causing values and/or rents to drop. So, how do we …

1
How to Analyze a Duplex 20:58

4M ago20:58

20:58

How to Analyze a Duplex Some real estate investors are sensitive to their ability to get ten 30-year fixed rate financing loans and would prefer to fill those loan spots with larger purchases than just single family rental homes. One way to do that is to buy more expensive properties like duplexes, triplexes or fourplexes. In this class, James will…

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How to Analyze Deals with Private Mortgage Insurance (PMI) 12:34

5M ago12:34

12:34

How to Calculate PMI If you're a house hacker, Nomad™, investor buying properties with less than 20% down, or buying creatively where the seller has PMI, you'll want to make sure you know how to analyze deals that have Private Mortgage Insurance. In this mini-class, James will cover how to analyze deals that have PMI, with an emphasis on doing it u…

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Is it Better to Pay Off Properties with Cash Flow or In Full When Nomading™? 35:57

5M ago35:57

35:57

In many cases—not all, but many cases—real estate investors can speed up the time it takes to become financially independent by choosing to pay off the mortgages on their properties early. Sometimes it makes sense to take every extra dollar beyond a healthy amount of reserves and aggressively pay off properties as quickly as possible. Other times, …

1
Deal Alchemy™ - Residential vs Commercial Property 14:46

5M ago14:46

14:46

Deal Alchemy™ - Residential vs Commercial Property Deal Alchemy™ is all about manipulating the returns you're earning on your investments. Often, this is done through the choices we make when selecting the investment property and the strategies we choose to implement. For example, you could choose to invest in residential properties where your tena…

1
Warning - Risks of Loan Called Due When Investing in Real Estate 30:07

5M ago30:07

30:07

Warning - Risks of Loan Called Due When Investing in Real Estate Investing in real estate adds some risk to an already risk-filled life. However, certain activities and strategies when investing in real estate create additional risks that other strategies and activities do not have. For example, choosing to utilize strategies where the lender has t…

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How to Analyze Buying a Rental Property at a Discount 36:43

6M ago36:43

36:43

How to Analyze Buying a Rental Property at a Discount in Beaverton Some real estate investors insist on only buying properties where they can purchase them at a significant discount. While not mutually exclusive, other investors insist on buying quality properties at a fair price as long as it gets them their desired returns and will stand the test…

1
How to Calculate PMI 13:23

6M ago13:23

13:23

How to Calculate PMI If you're planning to buy a property and put less than 20% down, you're likely to be required to pay Private Mortgage Insurance. Lenders prefer that you put at least 20% down, but if you insist on putting less than 20% down, they may still make the loan. However, they will usually do so at a slightly higher mortgage interest ra…

1
Is it Better to Buy Rentals with 20% Down or For All Cash After Buying an Owner-Occupant First? 31:08

6M ago31:08

31:08

There are a large number of investing strategies you could pursue as a real estate investor: Nomad™, house hacking, fix and flip, buying 20% down rentals, buying 25% down rentals, saving up to buy free and clear rentals and many, many more options. Which is the best? Which gets you to financial independence fastest? Which gives you the highest net …

1
Deal Alchemy™ - Increasing Down Payment 19:53

6M ago19:53

19:53

Deal Alchemy™ - Increasing Down Payment There are four primary returns from investing in rental properties: appreciation, cash flow, debt paydown, and the tax benefits of depreciation. Additionally, there is a secondary return in the form of the interest earned on the reserves required to make the investment in the first place. Many real estate inv…

1
Warning - Risks of Rental Property Expenses When Investing in Real Estate 43:02

7M ago43:02

43:02

Warning - Risks of Rental Property Expenses When Investing in Real Estate Risk is all around us. When we choose to invest in anything, we’re choosing to take on the additional risk characteristics of that investment. For example, when we choose to invest in real estate, we choose to take on the risk characteristics of the specific real estate inves…

1
How to Analyze a New Construction Single-Family Home Property 33:44

7M ago33:44

33:44

How to Analyze a New Construction Single-Family Home Property in Beaverton Your ability to analyze deals is arguably the most important skill as a real estate investor. It allows you to make smart investment decisions and helps you avoid making career-ending bad decisions, such as buying cash-flowing-sucking vampire properties. In this class, James…

1
Episode 18: Evangelism and Our Identity in Christ (Interview w/ Benjamin Flores) 56:10

7M ago56:10

56:10

On this episode, Adam and Matthew interview Benjamin Flores, who is a member of Evergreen. Benjamin has a deep passion to see average church members realize their own calling to be faithful and speak of Jesus. It is tempting to believe that evangelism can and should really only be done by church officers, but Benjamin is eager to help all members t…

1
The 3 Strategies to Pay PMI 29:54

7M ago29:54

29:54

The 3 Strategies to Pay Private Mortgage Insurance (PMI) Whether they're putting 15% down and buying a non-owner-occupied property or utilizing an owner-occupied loan with 0%, 3%, 3.5%, or 5% down for Nomading™ or house hacking, some real estate investors will choose to put less than 20% down. With the decision to put less than 20% down comes the c…

1
To Serve & Protect 47:24

7M ago47:24

47:24

Meet Chief Stacy Jepson, Beaverton Police Department Stacy Jepson grew up in a blended family way back when that wasn’t a thing… or at least it didn’t have a name. If you’re a person of a certain age, think Brady Bunch… kind of. Stacy’s mom and dad each brought 3 kids into their marriage. Then they added two more, a boy, Todd, and a couple of years…

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Is It Better to Pay Off Rentals Early With Extra Cash Flow or Traditional Nomad™? 31:10

7M ago31:10

31:10

Investing in real estate is full of truthy-sounding falsehoods: it is always better to do X than Y. However, if you were crazy enough to sit down and do the math, you'd find the truth to be much more nuanced. For example, should you take all your extra cash flow and savings and apply it to your mortgages each month to pay off rental properties fast…

1
Deal Alchemy™ - Cash Flow to Debt Paydown 25:53

7M ago25:53

25:53

Deal Alchemy™ - Cash Flow to Debt Paydown There are four primary returns from investing in rental properties: appreciation, cash flow, debt paydown, and the tax benefits of depreciation. Additionally, there is a secondary return in the form of the interest earned on the reserves required to make the investment in the first place. Many real estate i…

1
Birds of a Feather 59:35

7M ago59:35

59:35

Meet Chris & Dean Hogan of Chick-fil-A Raleigh Hills When you know, you know. Right? That’s what Chris and Dean Hogan both said when asked about how they got together. Now, this wasn’t one of those connections that happened in early elementary school… kind of. And it could never have happened at all. The two did live near each other on the Oregon c…

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Warning - The Risk of Down Payment Size When Investing in Real Estate 47:36

8M ago47:36

47:36

Warning - The Risk of Down Payment Size When Investing in Real Estate Life is full of risks. When we choose to invest, we choose to take on additional risks. If we invest in stocks, we choose to take on certain risks. When we choose to invest in bonds, we take on different risks. When we choose to invest in real estate, we choose to take on additio…

1
How to Analyze a 5% Down Single-Family Nomad™ Property 36:41

8M ago36:41

36:41

How to Analyze a 5% Down Single-Family Nomad™ Property in Beaverton Using the latest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™, we will walk through how to analyze a single-family home Nomad™ property with a 5% down payment. Learn how to analyze deals correctly and avoid buying cash flow vampires. Only buy the best deal…

1
Tell Me Your Picture 1:12:03

8M ago1:12:03

1:12:03

Meet Pauline Lee, Program for Intellectual Empowerment Pauline Lee, even before she came into the world, was putting others' needs ahead of her own. She’s the youngest of 4 kids, the last two being twins, of which she was the younger. But when her mom Nancy went into labor Pauline was the twin who was ready to enter the world first. Then… her siste…

1
What Affects Your PMI Rate 16:29

8M ago16:29

16:29

What Affects Your PMI Rate Lenders prefer that you put at least 20% down, but if you push hard enough, many will allow you to put less than 20% down if you're willing to purchase insurance to protect them in case you default. This insurance is called Private Mortgage Insurance. The cost of this insurance depends on several factors. Some are primary…

1
Is It Better to Rent or Buy an Owner-Occupant Property for 5% Down When Otherwise Buying 25% Down Rentals? 31:20

8M ago31:20

31:20

You're a real estate investor looking to acquire properties by saving up and putting 25% down. Should you buy an owner-occupied property first? What if that's more expensive than renting? Should you still do it? What if it means you'll be saving less for acquiring rentals by buying an owner-occupied property first? In this comparison class, we will…

1
Grandson of the Century 56:22

8M ago56:22

56:22

Meet Andy Oldenburg, Marsh McLennan Agency His grandfather Don served in World War II, came home, launched a retail empire, and was ultimately named Man of the Century. His dad, John, was an attorney who ultimately rose to become a judge of the county courts. His mom, Dianne, found her space in education, helping people gain their GEDs, and then fo…

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Episode 17: Technology Is Changing Us 1:14:23

8M ago1:14:23

1:14:23

Technology inevitably has an impact on the way we think and relate to others. Decades into our own experiments with computers and the internet, researchers have begun to gather data on what that technology is doing to us. Anecdotally, we know that the internet is changing how we relate, how we speak, and how we work. As Christians, then, what are w…

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Deal Alchemy™ - Lease-Options 27:12

9M ago27:12

27:12

Deal Alchemy™ - Lease-Options Different real estate investors desire, prefer, and prioritize different returns. For example, many real estate investors have a strong preference for the cash flow part of their return. With Deal Alchemy™, we can manipulate returns and move them from one area to another. Or, we can move them from one or more areas to …

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Warning - Insurable Risks When Investing in Real Estate 32:34

9M ago32:34

32:34

Warning - Insurable Risks When Investing in Real Estate Life has risks. Real estate investing in Beaverton adds some additional risks. Some of these risks can be shifted from your responsibility to the responsibility of a third party for a fee. This is often described as insurance. You choose to pay someone else to take on a risk you don't want to …

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How to Analyze a 20% Down Single-Family Home Rental 54:16

9M ago54:16

54:16

How to Analyze a 20% Down Single-Family Home Rental Using the latest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™, we will walk through how to analyze a single-family home rental property with a 20% down payment. Learn how to analyze deals correctly and avoid buying cash flow vampires. Only buy the best deals that make sen…

1
What is PMI And How to Avoid It 21:33

9M ago21:33

21:33

What is PMI And How to Avoid It You want to work with a lender so that you don't need to purchase a property with all cash. The lender is willing to lend you money, charging you interest to make a profit, and ensuring there is a safety buffer of equity in case you default and they need to foreclose to recover their funds. Your goal is to minimize t…

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Is It Better to Put 25% Down and Buy 9 Rental Properties After Buying an Owner-Occupant or Nomad™ with 5% Down? 33:15

10M ago33:15

33:15

Should you use the Nomad™ strategy to acquire properties with a minimal 5% down payment as quickly as possible? Or is it better to be a little more patient and save up for full 25% down payments and buy rentals without moving into each? By saving up for a 25% down payment, the properties will cash flow better. That may allow you to save up faster f…

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Improving Cash Flow on Rental Properties by Improving the Property 28:03

10M ago28:03

28:03

Improving Cash Flow on Rental Properties by Improving the Property When real estate prices, mortgage interest rates, and rent rates are high, it can be more challenging 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 im…

1
Battling the Big C and a Chamber Update 33:31

10M ago33:31

33:31

Alicia Bermes, President/CEO, Beaverton Area Chamber of Commerce. Cancer. There’s no way to really prepare yourself when the doctor lays that news on you. Whether it’s your own diagnosis, or that of a family member or friend, it’s a gut punch. Some folks whither when they get the diagnosis. Others stiffen their spine and lean into it. They say no –…

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