Learn all about investing in real estate in Fort Collins, Colorado with a combination of real estate financial planning and modeling with numbers specific to Fort Collins plus syndicated, more generalized recordings of live and pre-recorded real estate investing classes (not all specific to Fort Collins).
…
continue reading
Lauren & Todd bring you "It's Always Sunny in Colorado", a podcast where we share our best tips & tricks to growing your real estate business by just being YOU. No cold calling, no lead buying, no door knocking, just sharing your life & your business to attract more clients & build relationships. We are a Father & Daughter real estate team in Fort Collins, CO & have built our business solely through social media & investing time into our relationships. We want to share what works to help oth ...
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Is It Better to Buy Rentals with 25% Down or All Cash After Buying an Owner-Occupant?
31:24
31:24
Play later
Play later
Lists
Like
Liked
31:24
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…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
The Impact of Buying Properties at a 5% Discount When Nomading™
26:22
26:22
Play later
Play later
Lists
Like
Liked
26:22
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…
…
continue reading
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…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Warning - Risks of Rental Demand Declining When Investing in Real Estate
27:08
27:08
Play later
Play later
Lists
Like
Liked
27:08
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…
…
continue reading
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…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Warning - Risks of Neighborhood Decline When Investing in Real Estate
28:21
28:21
Play later
Play later
Lists
Like
Liked
28:21
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 …
…
continue reading
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…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
How to Analyze Deals with Private Mortgage Insurance (PMI)
12:37
12:37
Play later
Play later
Lists
Like
Liked
12:37
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…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Is it Better to Pay Off Properties with Cash Flow or In Full When Nomading™?
36:00
36:00
Play later
Play later
Lists
Like
Liked
36:00
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, …
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Deal Alchemy™ - Residential vs Commercial Property
14:50
14:50
Play later
Play later
Lists
Like
Liked
14:50
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…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Warning - Risks of Loan Called Due When Investing in Real Estate
30:10
30:10
Play later
Play later
Lists
Like
Liked
30:10
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…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
How to Analyze Buying a Rental Property at a Discount
36:46
36:46
Play later
Play later
Lists
Like
Liked
36:46
How to Analyze Buying a Rental Property at a Discount in Fort Collins 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 t…
…
continue reading
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…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Is it Better to Buy Rentals with 20% Down or For All Cash After Buying an Owner-Occupant First?
31:11
31:11
Play later
Play later
Lists
Like
Liked
31:11
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 …
…
continue reading
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…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Warning - Risks of Rental Property Expenses When Investing in Real Estate
43:06
43:06
Play later
Play later
Lists
Like
Liked
43:06
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…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
How to Analyze a New Construction Single-Family Home Property
33:48
33:48
Play later
Play later
Lists
Like
Liked
33:48
How to Analyze a New Construction Single-Family Home Property in Fort Collins 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, Ja…
…
continue reading
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…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Is It Better to Pay Off Rentals Early With Extra Cash Flow or Traditional Nomad™?
31:14
31:14
Play later
Play later
Lists
Like
Liked
31:14
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…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Deal Alchemy™ - Cash Flow to Debt Paydown
25:57
25:57
Play later
Play later
Lists
Like
Liked
25:57
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…
…
continue reading
Juggling work & life is always challenging as a real estate agent but it's not something to ignore! In this episode, we share how we tackle the big issues such as taking care of our health, our loved ones & still running a rockstar business. This episode should help you create new rules for your business that don't hurt your business. You shouldn't…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Warning - The Risk of Down Payment Size When Investing in Real Estate
47:40
47:40
Play later
Play later
Lists
Like
Liked
47:40
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…
…
continue reading
Ever wondered how how some real estate agents have reels that go viral? It's not all luck of the draw - there is serious strategy that goes into creating Reels that change your business. In this episode, Lauren is sharing all her secrets to creating viral reels that could skyrocket your reach by 21%. But wait, there's more! This isn't just about cr…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
How to Analyze a 5% Down Single-Family Nomad™ Property
36:45
36:45
Play later
Play later
Lists
Like
Liked
36:45
How to Analyze a 5% Down Single-Family Nomad™ Property in Fort Collins 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 d…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Identifying & Attracting Your Ideal Client
31:33
31:33
Play later
Play later
Lists
Like
Liked
31:33
Discover the secret sauce to magnetizing your dream real estate clients and building a business that thrives on genuine connections. As we share how we went through the process of identifying our ideal clients, you'll grasp the importance of understanding who your ideal client is & what they need from you. By the time you're done listening, you'll …
…
continue reading
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…
…
continue reading
Get ready to uncover the secrets of real estate success that can skyrocket your business strategy for 2024! We've just wrapped up our most insightful business planning session ever, and we're here to lay down the game plan that's been a complete game-changer for us. Have you ever wondered why some real estate agents thrive while others barely scrap…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Is It Better to Rent or Buy an Owner-Occupant Property for 5% Down When Otherwise Buying 25% Down Rentals?
31:24
31:24
Play later
Play later
Lists
Like
Liked
31:24
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…
…
continue reading
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 …
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Warning - Insurable Risks When Investing in Real Estate
32:38
32:38
Play later
Play later
Lists
Like
Liked
32:38
Warning - Insurable Risks When Investing in Real Estate Life has risks. Real estate investing in Fort Collins 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 …
…
continue reading
![Artwork](/static/images/128pixel.png)
1
How to Analyze a 20% Down Single-Family Home Rental
54:20
54:20
Play later
Play later
Lists
Like
Liked
54:20
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…
…
continue reading
The holidays should be your time to spend with friends and family and taking a break so you can be refreshed for a busy new year. We have some tips on how to set healthy boundaries, communicate them well with your clients and feel guilt-free for enjoying yourself during the holidays. Grab a coffee or cocktail & join us as we dive in!…
…
continue reading
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…
…
continue reading
The holidays are typically slow for real estate agents but that doesn’t mean your business needs to come to a full stop, it just means you need to shift your efforts. The holidays are a perfect time to focus less on real estate & more on the things that matter - but you can do it in a way to stay relevant with your sphere. Grab a coffee or cocktail…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Is It Better to Put 25% Down and Buy 9 Rental Properties After Buying an Owner-Occupant or Nomad™ with 5% Down?
33:18
33:18
Play later
Play later
Lists
Like
Liked
33:18
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…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
What are the 9 daily/weekly habits of a Ninja Agent?
45:31
45:31
Play later
Play later
Lists
Like
Liked
45:31
What is a real estate Ninja? What is the Ninja 9? If you don’t know, this episode is for you! The Ninja 9 is made up of 5 daily habits and 4 weekly habits that make a great Ninja in real estate! We love the Ninja 9 and decided we needed to dedicate an entire episode to all 9 habits. Grab a coffee or cocktail & join us as we dive in!…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Improving Cash Flow on Rental Properties by Improving the Property
28:07
28:07
Play later
Play later
Lists
Like
Liked
28:07
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…
…
continue reading
This is Part 3 & our final part of our Rental Property Series where we each share our own journeys of acquiring investment properties. As real estate agents, we know the benefits of investing in real estate and the importance of building your real estate portfolio. It’s equally important to know the ins and outs of owning investment properties so w…
…
continue reading
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…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Financing Tips When Writing an Offer to Buy a Rental
18:55
18:55
Play later
Play later
Lists
Like
Liked
18:55
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…
…
continue reading
This episode is Part 2 of our Rental Property Series where we each share our own journeys of acquiring investment properties. This episode is all about the ins and outs of renting and managing our own rental properties. We share our own experiences as a landlords and tips and tricks to managing your rentals! We also share some advice on what NOT to…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Is It Better to Sell Properties to Invest in Stocks If That Means Financial Independece When Nomading™?
30:36
30:36
Play later
Play later
Lists
Like
Liked
30:36
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…
…
continue reading
This episode is Part 1 of our Rental Property Series where we each share our own journeys of acquiring investment properties. As real estate agents, we know the benefits of investing in real estate and the importance of building your real estate portfolio. It’s equally important to know the ins and outs of owning investment properties so we can hel…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Tips for Getting Mortgage Quotes from Lenders
34:11
34:11
Play later
Play later
Lists
Like
Liked
34:11
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…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
EV - Why It's Risky to Leverage Up When Investing in Real Estate
39:50
39:50
Play later
Play later
Lists
Like
Liked
39:50
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…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
7 Free Things To Do To Get More Clients By Christmas
22:27
22:27
Play later
Play later
Lists
Like
Liked
22:27
There are only 2 more months left in Q4 but that doesn’t mean it’s time to slow down in your business (even if the market has). We are sharing 7 FREE things you can do to get more clients by Christmas - these are things we are doing too! Grab a coffee or cocktail & join us as we dive in!By Lauren Galbate & Todd Galbate
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Ways to Speed Up Achieving Financial Independence
58:45
58:45
Play later
Play later
Lists
Like
Liked
58:45
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…
…
continue reading
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…
…
continue reading
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…
…
continue reading
“If you’re not using email templates, you’re doing it wrong.” - Lauren We live by our email templates and have been able to streamline our business practices by using email templates for all different parts of a transaction. If you desire to save yourself more time and have a consistent way of communicating with clients, agents, lenders, etc, this …
…
continue reading