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Investing In Real Estate Podcast

Being an investor can often mean wearing a lot of hats. Dealing with things like taxes, financing, and tenant woes can create a lot of stress. What’s the best way to handle the stress of investing? That’s the first question I’m answering on today’s show!

On this episode of Investing in Real Estate, I’m answering three great listener questions on managing stress, DSCR loans for real estate investors, and how to handle multiple financial products at once. I’m also sharing my take on a coming recession, and what we can expect in the economy moving forward.

On this episode you’ll learn:

  • Tips for managing stress as a real estate investor
  • What a DSCR loan is
  • The truth about using two financial products on an investment

Tips for Managing Stress as a Real Estate Investor

There are many different reasons why you might be dealing with stress as an investor. Without knowing the specifics of your stressors, here is some general advice I can give:

  1. Don’t get emotional about real estate investing. Let the numbers guide you, and don’t get caught up with the allure of specific properties.
  2. Outsource where you can. If you think you have too much on your plate, consider hiring help. Whether it be a bookkeeper or a property manager, there’s probably at least one role in your business you can outsource.
  3. Allow your team to handle things. I’m a big proponent of letting my team do their jobs independently. I don’t need to be asked every time a doorknob needs to be replaced. You can give your property manager permission to take care of tasks under a certain dollar amount.
  4. I also highly recommend checking out the Getting Things Done Method, as well as the book Atomic Habits.

What a DSCR Loan Is

I’ve personally never used a DSCR loan, but in some ways, it reminds me of a non-recourse loan. A DSCR loan, or debt service coverage ratio loan, is based on the potential cash flow of a property. Since I’ve never used this loan type, I can’t really say if it’s worth it or not. My advice would be to make sure you run the numbers. You can likely expect a higher interest rate with DSCR loan, so make sure you pursue all of your options before making a commitment.

The Truth About Using Two Financial Products on an Investment

If you’re considering using a HELOC to make a down payment on a rental property, you might be wondering how this can possibly work since you’ll also a need a mortgage on the remaining balance. It’s true that using two financial products will set you up to have double the payments. This may or may not be the right choice for you, and it will honestly depend on the income from your rental property. If possible, you should be using your rental income to get these loans paid down quickly so you can cash flow sooner.

Ask Me a Question at morrisinvest.com/clayton

Episode Resources

Book a Call with Our Team
Getting Things Done Method
Atomic Habits by James Clear
The Millionaire Real Estate Investor by Gary Keller
morrisinvest.com/bootcamp ← Download your FREE 90-Day Bootcamp!
Subscribe to Investing in Real Estate on iTunes
Find Your Financial Freedom Number
Subscribe to the Morris Invest YouTube channel
Like Morris Invest on Facebook

DISCLAIMER: I am not a financial adviser. I only express my opinion based on my experience. Your experience may be different. These videos are for educational and inspirational purposes only. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own research. There is no guarantee of gains or losses on investments.

AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning, at NO additional cost to you, I may earn a commission if you click through and make a purchase and/or subscribe. However, this does not impact my opinion. We recommend them because they are helpful and useful, not because of the small commissions we make if you decide to​ use their services. Please do not spend any money on these products unless you feel you need them or that they will help you achieve your goals.

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Posted on

December 19, 2022

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