Best Birmingham Real Estate Investor Podcasts (2024)

1
Is it Better to Pay Off Properties with Cash Flow or In Full When Nomading™? 36:02

1d ago36:02

36:02

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 14:52

9d ago14:52

14:52

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 30:12

16d ago30:12

30:12

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…

1
How to Analyze Buying a Rental Property at a Discount 36:48

23d ago36:48

36:48

How to Analyze Buying a Rental Property at a Discount in Birmingham 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 tes…

1
How to Calculate PMI 13:29

30d ago13:29

13:29

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? 31:13

1M ago31:13

31:13

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 19:59

1M ago19:59

19:59

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 43:08

2M ago43:08

43:08

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 33:49

2M ago33:49

33:49

How to Analyze a New Construction Single-Family Home Property in Birmingham 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, Jame…

1
The 3 Strategies to Pay PMI 29:59

2M ago29:59

29:59

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
Is It Better to Pay Off Rentals Early With Extra Cash Flow or Traditional Nomad™? 31:15

2M ago31:15

31:15

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 25:59

3M ago25:59

25:59

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
Warning - The Risk of Down Payment Size When Investing in Real Estate 47:42

3M ago47:42

47:42

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 36:47

3M ago36:47

36:47

How to Analyze a 5% Down Single-Family Nomad™ Property in Birmingham 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 dea…

1
What Affects Your PMI Rate 16:35

3M ago16:35

16:35

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? 31:26

4M ago31:26

31:26

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
Deal Alchemy™ - Lease-Options 27:17

4M ago27:17

27:17

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 …

1
Warning - Insurable Risks When Investing in Real Estate 32:40

4M ago32:40

32:40

Warning - Insurable Risks When Investing in Real Estate Life has risks. Real estate investing in Birmingham 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…

1
How to Analyze a 20% Down Single-Family Home Rental 54:21

4M ago54:21

54:21

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 21:39

4M ago21:39

21:39

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…

1
Is It Better to Put 25% Down and Buy 9 Rental Properties After Buying an Owner-Occupant or Nomad™ with 5% Down? 33:20

5M ago33:20

33:20

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…

1
Improving Cash Flow on Rental Properties by Improving the Property 28:09

5M ago28:09

28:09

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
Refinancing Rental Property Tips 33:21

5M ago33:21

33:21

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…

1
Financing Tips When Writing an Offer to Buy a Rental 18:57

5M ago18:57

18:57

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…

1
Is It Better to Sell Properties to Invest in Stocks If That Means Financial Independece When Nomading™? 30:37

6M ago30:37

30:37

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…

1
Episode 106: Real Estate Myths Debunked! 16:16

6M ago16:16

16:16

Real estate has a long history of some widely held beliefs. Some of these are true, like, "The best time to buy real estate was 20 years ago, and the second best time is today." But other beliefs are simply myths and stories that have been told. In this episode, we'll explore five commonly believed real estate myths. ===============================…

1
Tips for Getting Mortgage Quotes from Lenders 34:13

6M ago34:13

34:13

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…

1
EV - Why It's Risky to Leverage Up When Investing in Real Estate 39:52

6M ago39:52

39:52

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…

1
Ways to Speed Up Achieving Financial Independence 58:47

6M ago58:47

58:47

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…

1
Episode 105: 3 Qualities of the Most Successful Investors in 2023 18:07

6M ago18:07

18:07

The market has changed in the past 24 months, and the most successful investors have adapted. Tune in and hear what Spencer is seeing in the best and brightest investors today. =================================== Connect with Matt and Spencer at Evernest: Evernest.co Visit the Podcast Website: 300to3000.com Email the Show: podcast@evernest.co =====…

1
Preparing to Get Mortgages 31:20

6M ago31:20

31:20

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…

1
Episode 104: Housing Market Update - Five Takeaways 17:32

6M ago17:32

17:32

The real estate market is much different than it was just a year ago. In this episode, Spencer walks through five takeaways for real estate investors. He walks through the following: Consumer Sentiment on Home Buying The Affordability Crisis Locked-in Low Mortgage Rates Challenges Beyond Housing The Investors Opportunity ===========================…

1
Accessing Equity in Properties 30:13

6M ago30:13

30:13

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…

1
Episode 103: Avoid These Contractor Nightmares 27:58

6M ago27:58

27:58

If you're a rental real estate investor, renovations and repairs are a part of your life! And an important part. In this episode, Craig Bengston and Spencer Sutton discuss how to work successfully with contractors and avoid the nightmares that are lurking around every corner. =================================== Connect with Matt and Spencer at Ever…

1
The Return on Investment on Extra Down Payments 40:55

7M ago40:55

40:55

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…

1
Episode 102: Columbus, Ohio Real Estate Update 24:12

7M ago24:12

24:12

Columbus, Ohio is one of the most popular real estate markets for investors from around the country. Join us as we hear an update from local investment expert and investor-friendly broker Rachael Schwalenberg. =================================== Connect with Matt and Spencer at Evernest: Evernest.co Guest: Rachael Schwalenberg Visit the Podcast Web…

1
Is It Better to Pay Off Your Owner-Occupant Mortgage When Nomading? 22:57

7M ago22:57

22:57

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…

1
Rental Portfolio Return in Dollars Quadrant™ Spreadsheet 43:52

7M ago43:52

43:52

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…

1
Episode 101: Should You Buy This $25,000 Property? 22:32

7M ago22:32

22:32

Cashflow is the name of the game for most rental investors. Yet, in this market of higher interest rates and shrinking inventory, it has become more difficult to identify these deals. In this episode, Spencer walks through a deal where a local investor bought a $25,000 property, and he shares both the pros and cons of buying low-to-moderate-income …

1
Should I Put 15% or 20% Down When Buying a Rental Property? 13:48

7M ago13:48

13:48

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…

1
Seasons Of My Life Budget™ Spreadsheet 36:22

7M ago36:22

36:22

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…

1
Episode 100: How to Analyze a Rental Property 34:46

7M ago34:46

34:46

Welcome to our 100th Episode!! 🎉 In this episode we are going to explore the four easy ways you can analyze a rental property in order to understand your ROI. Each one of these methods builds on the other. =================================== Connect with Matt and Spencer at Evernest: Evernest.co Visit the Podcast Website: 300to3000.com Email the Sh…

1
Loan Comparison Spreadsheet for Real Estate Investors 21:46

7M ago21:46

21:46

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…

1
Episode 99: Short-Term vs. Long-Term Rentals - Which is Best for You? 23:58

7M ago23:58

23:58

With higher interest rates squeezing profits on long-term rentals, some investors are eyeing or making the move to short-term rentals. But is that the best decision for you? In this episode, Spencer walks through the pros and cons of both investments. =================================== Connect with Matt and Spencer at Evernest: Evernest.co Visit t…

1
Buying Down Mortgage Interest Rates for Real Estate Investors 47:43

8M ago47:43

47:43

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 …

1
Episode 98: Five Principles of Rental Real Estate Investing 22:31

8M ago22:31

22:31

There are five principles that every real estate investor should live by - especially if you currently own less than ten properties. In this episode, Spencer walks through these principles and gives real-world examples of how these can serve you no matter what the current real estate market is doing. =================================== Connect with…

1
Other Financing Options for Real Estate Investors 42:58

8M ago42:58

42:58

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…

1
Episode 97: 4 Hot Rental Markets You Should Consider 19:59

8M ago19:59

19:59

Times have changed, and housing is expensive. For example, look at this comparative data from the past 23 years. Median House Price: In 2000: $119,000 Today: $416,000 Median Household Income: In 2000: $42,000 Today: $70,000 In this episode, we're going to look at four hot markets that average under the current US median house price. ===============…

1
Amazing Rental Property Cash Flow Strategy with Ryan Chaw 57:57

8M ago57:57

57:57

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…

1
Is it Better to Nomad™ or Buy Rentals All Cash? 36:43

8M ago36:43

36:43

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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Birmingham Real Estate Investor Podcasts

Podcasts Worth a Listen

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