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Meet Me In Beaverton

The Beaverton Area Chamber of Commerce

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Meet Me In Beaverton is all about the people and places you should know in Beaverton, Oregon and the surrounding area. In each episode, we interview people in the Beaverton community who own or do business with you, their neighbors. Sure, we’ll talk a bit about their business, but only just a bit. Mostly, this is about introducing you to your Beaverton neighbors, to hear their stories, learn about who they are, where they came from, and maybe have a laugh or two or learn something interestin ...
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Every week Beaverton editor-in-chief Luke Gordon Field assembles some of the country's best comedians and writers to talk, mock and riff their way through the news of the week. Then he puts their knowledge to the test in a very important quiz where the winner gets absolute nothing. Part panel show, part interview, the Beaverton Weekly Report is an hilarious look at what's going on in the world around us. It'll be just like watching CNN, only funnier and with fewer erectile dysfunction ads.
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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…
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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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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…
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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…
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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 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…
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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…
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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…
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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…
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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…
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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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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 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 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…
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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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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 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…
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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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Refinancing Rental Property Tips There are many flavors of refinancing rental properties: cash-out refinances, cash-in refinances, rate and term refinances, and recasting loans. Understanding each one, when you might want to use them in your real estate investing, the general rules and guidelines for using them, and the impact of each are all impor…
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Financing Tips When Writing an Offer to Buy a Rental So, you understand financing for buying your next property, and you're ready to go out in search of a property to buy. There are a few financing-related tips that might help set you up for success, improve the odds of getting your offer accepted, getting the best price and terms on your offer, an…
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Meet Dick Nichols of the Beaverton Oregon History Association For Dick Nichols, growing up on his parents' farm made life pretty simple. During the school year, it was go to school, then chores. Some extra-curriculars like track – he never finished last, by the way, but mostly it was a list of to-dos for him and his two brothers. Then summer came, …
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Sometimes buying rental properties is merely a means to an end: financial independence. Some folks don't want to hold onto their rental properties, manage them, or deal with the business of owning them when they achieve financial independence. Instead, they may prefer to have their money more passively invested in stocks. Can a real estate investor…
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Tips for Getting Mortgage Quotes from Lenders If you choose a random lender, you'll have a random chance of closing with financing. And in many markets, if your lender fails to perform, you as the buyer are in default (since your lender is not a party to the contract). Wouldn't you rather have more certainty that your lender will perform and that y…
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Meet Josh Johnson of Binary Brewing Josh Johnson’s grandfather, Adolf Leroy, made a simple decision. Instead of getting the milk and bread he went out for back in Nebraska, he hopped on a freight train that landed him in Oregon. If not for that fateful, “simple” decision, we might not have some of the best beer in the area. Like his grandfather, Jo…
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In the last few years, we've seen equity explode. Property prices have been growing like a weed in a spring. And, lower mortgage interest rates mean loan paydown has been more like the Mississippi than a backyard creek. Many real estate investors who owned property during that period will be tempted to tap into that equity to invest in more propert…
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How can you speed up your journey to financial independence (FI)? In this special class, James will go over a brand-new spreadsheet and walk you through all the different ways to speed up your achievement of financial independence. James covers the following in this class: What is financial independence? How is financial independence defined mathem…
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Preparing to Get Mortgages So, you’ve decided to invest in real estate and know that you’ll need a mortgage to buy property. There are some things you should do BEFORE you apply for your mortgage. You should be thinking about these things ideally for multiple years before you try to get a mortgage. In this mini-class, we will discuss the preparatio…
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Accessing Equity in Properties With prices up a lot over the last few years and interest rates having lingered near all-time lows, many real estate investors find themselves sitting on massive amounts of equity in their properties. But, how do you access that equity? In this mini-class, James will look at a variety of ways to access equity in prope…
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Meet Donna Meeuwsen, Topography Team eXp OK, let’s just address the elephant in the room – the open grave. That’s right. That’s where Donna Meeuwsen’s story begins. It’s where her mom met her dad. No, not at a funeral. Barney Meeuwsen was digging a grave when his future wife Janice happened upon him. It’s where they buried their pasts and started a…
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The Return on Investment on Extra Down Payments You’re buying a rental property. You have more than you need for a down payment, closing costs and reserves. One option you’re considering is putting more down. Putting more down will often improve cash flow and Cash on Cash Return on Investment. The dollar amount of returns from Appreciation and Depr…
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Most real estate investors consider themselves financially independent when the income from all of their investments exceeds their personal expenses. To achieve this, they need net positive cash flow from all rental properties after all expenses, any income generated from stocks, bonds, or other investments times a safe withdrawal rate, and any soc…
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Meet Kelsey Scotch of Madden Industrial Craftsmen Kelsey Scotch’s grandfather, Ron Madden, came up in the business side of the trades, so he knew that to build anything that would last, you needed to have the right people on the job. When he launched Madded Industrial Craftsmen back in 1988 with his sons, his goal was to serve the building trades b…
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Use this special spreadsheet to track the returns on each property in your portfolio. It utilizes the Return in Dollars Quadrant™ methodology to easily allow you to track appreciation, cash flow, debt paydown, Cash Flow from Depreciation™ and the return on your reserves all in one place. Plus, see how and when each return is taxed. And, whether the…
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Should I Put 15% or 20% Down When Buying a Rental Property? In a real estate market that has seen significant increases in property prices and rapidly rising mortgage interest rates, it can be harder than ever to obtain decent cash flow. However, many real estate investors are tempted to minimize their down payments to optimize their overall return…
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Use this special budget spreadsheet to model changes in your situation like buying an owner-occupant property, buying rental properties, getting married or divorced or remarried, retiring and much much more. The spreadsheet allows you to create 6 variations to your budgets for different seasons of your life to easily see how that impacts what you n…
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Loan Comparison Spreadsheet for Real Estate Investors Sometimes it can be helpful to compare various loan programs and options simultaneously. For example, it could be useful to compare the monthly payment differences between various "nothing down," "low down," and full-size down payment options when buying a rental property. Visually seeing a char…
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Meet Steven DaSilva of Timmco Insurance You know, some people just come out that way, right? I’d bet anything… well, almost anything, that when Steven DaSilva was born, he came into the world holding a golf club. The oldest of three boys born to Chuck & Christine DaSilva, he lead the way for his brothers, Joe and Mike, to pick up the sticks and fol…
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Buying Down Mortgage Interest Rates for Real Estate Investors There are several ways to improve cash flow on your rental properties. One option is to put more money down to reduce the amount you borrow. In some cases, this can also improve your interest rate by lowering your overall loan-to-value. However, when comparing putting more money down to …
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Other Financing Options for Real Estate Investors In the last several classes, we covered a variety of traditional financing options, including nothing-down financing, low down payment financing, conventional financing, and portfolio loans. These options represent the overwhelming majority of financing options used when purchasing properties. Howev…
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Meet Nadia Hasan, Beaverton City Councilor Her parents were immigrants. Her dad, Wasim, was born in India, and her mom, Shagufta, was a native of Pakistan. Wasim was a physicist and Shagufta was an MD. They came together through an arranged marriage and eventually found their way to Connecticut along with several other family members. The two start…
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Home prices are up a lot over the last 10 years or so, interest rates are up even more in the last 18 months or so, and—while rents are up—they’re not up enough to counteract the higher prices and interest rates. That makes cash flow harder... but not for Ryan and his strategy... We discuss this method of improving cash flow under "Improve Strategy…
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Prices have gone up rapidly in the last few years. And, interest rates are much higher. And even though rents are up, they’re not up enough to counteract the much higher prices and much higher interest rates. That makes it harder to achieve good cash flow with a reasonable down payment. One way to overcome the impact of higher interest rates is to …
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The Importance of Loan Planning for Real Estate Investors Real estate investing is a little like the game of Chess. You can play the game with an elementary understanding of the basic rules. But, you soon learn that just knowing how the pieces move about the board are the table stakes for being able to sit at the game board. If you want to do well,…
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Meet Dianne Danowski-Smith of Publix Northwest and Answer2Cancer If you’ve ever been through or alongside someone in a fight with cancer, you know how brutal that battle is, and how much a support circle can make a difference. So many people face that fight alone and many of them may not have the resources – medical, financial, family – to help the…
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Hard Money and Private Money for Real Estate Investors Certain real estate investing strategies suggest certain types of financing. For example, most long-term buy-and-hold real estate investors purchasing non-owner-occupant properties will opt for 30-year fixed rate conventional financing or commercial loans. House hackers and Nomads™ will often s…
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Commercial Loans 101 for Real Estate Investors Recently, we have been covering a variety of financing options for real estate investors. However, we have primarily focused on financing single-family homes, condos, townhomes, duplexes, triplexes, and fourplexes. But what if you're interested in purchasing a commercial building, an apartment with fiv…
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Meet Ashley Hartmeier-Prigg, Beaverton City Council President At a young age, Ashley Hartmeier-Prigg learned the lessons of hard work. She and her siblings would help out their parents when it came to keeping up the building owned by her grandparents. That, and watching her parents, who came to parenthood early, working hard themselves to keep the …
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Portfolio Loans 101 for Real Estate Investors Most real estate investors initially use conventional financing options to acquire their rental property portfolio. However, when they hit the limit of conventional loans they can obtain, they may switch to portfolio loan products to continue acquiring properties. Additionally, when doing certain types …
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Conventional Financing 101 for Real Estate Investors While about one-third of real estate transactions are all-cash, the majority of real estate investors use conventional financing options to acquire their rental properties. Even new investors often desire to utilize creative financing strategies, but it's important to have a foundational understa…
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Meet Ron & Deborah Threadgill of Threadgill Memorial Services Threadgill Memorial Services 4815 SW Jamieson Road | Beaverton, OR 97005 | ph. 503-526-3952 Nobody wants to think about dealing with a mortician. But when you need one, you want one with a human touch. Not someone that’s more like Lerch from the Addams Family, or a used car salesman. Ron…
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