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Пікірлер
@DawsonDeadEye 10 сағат бұрын
Never ending interest should be illegal as fuck.
@passiveincomeac Күн бұрын
I love my multifamily properties. Great passive income.
@pw-gamer2903 Күн бұрын
then what is the formula? no one is sitting and calculating it manually in hours
@RealEstateFinanceAcademy Күн бұрын
It’s more complicated than just a “formula”. Check out the free course in the description and learn to do it fast. If you don’t want to learn it, you can probably find free calculators out there somewhere. - Trevor
@BenjLesterRealEstate 5 күн бұрын
Great video! Check out my video on 1031 Exchanges for more tips and insight. 1031 Exchange - Everything You Need to Know kzbin.info/www/bejne/boKXqnylia9raa8
@JeffrenRoqueFuentes 15 күн бұрын
Thanks so much!
@Daaannn-g6k 16 күн бұрын
A key factor often overlooked is that over 25% of new homes are being acquired by investors, rather than individuals seeking primary residences. Even if Baby Boomers decide to offload their properties or more housing stock enters the market, it won’t alleviate the underlying issue. Wealthy investors will continue to absorb the available inventory, which will keep home prices elevated.
@Bethyking-o1n 16 күн бұрын
There's also a lack of discussion about the role that major financial institutions-banks, private equity firms, and giants like BlackRock-played by purchasing properties post-2008, treating them as investment assets. It's impossible to fully understand the current housing crisis without acknowledging this trend. Additionally, larger luxury properties are inherently more profitable than smaller, more affordable homes, leading developers to prioritize luxury developments for higher returns.
@WealthJordan-n6w 16 күн бұрын
While I anticipate a future decrease in home prices, I currently recommend diversifying investments away from real estate. Shifting capital into the financial markets or commodities like gold is a safer bet given the current high mortgage rates, recession indicators, and tightened lending standards. Housing prices might need to correct by 40-50% before the market stabilizes. In uncertain times like these, getting independent financial advice from a market-savvy expert is essential.
@FrankJaaay 16 күн бұрын
That's impressive! I'd be happy to share more details. I understand the hesitation, especially when it feels like many firms offer similar services. However, finding a trustworthy advisor has been key to my success.
@WealthJordan-n6w 16 күн бұрын
Rebecca Lynne Buie has consistently been my top recommendation. She’s widely recognized for her expertise in financial markets and has a strong track record. I highly recommend her.
@HotManP-l5g 16 күн бұрын
Thank you for taking my advice. I'm glad you were able to research her background and feel confident moving forward. I hope your call goes well-her track record speaks for itself, and I'm optimistic you'll find her guidance valuable.
@nbguy2010 16 күн бұрын
Thanks!
@CamilleDesmond-y5l 18 күн бұрын
Your energy is contagious! I’m really enjoying your videos!
@RealEstateFinanceAcademy 18 күн бұрын
Thank you! I appreciate that very much. 😊 - Trevor
@tireless_curiosity 20 күн бұрын
Why is FV 0 when calculating the third example (in other words why is FV 0 when there is no sale of the asset at the end)?
@sandilemncube4031 21 күн бұрын
The big short
@RealEstateFinanceAcademy 21 күн бұрын
Exactly!
@anti-stupid-not--vax9629 22 күн бұрын
Paying on a positive balance just doesn't make sense. Bank's pay interest
@TheOrtega001 22 күн бұрын
Good explanation ,Tnahk
@BabuIslam-d2k 22 күн бұрын
This natural soundscape is absolutely stunning! I felt transported to a serene forest. Thank you for sharing such calming content!”
@JahanaraIslam5 23 күн бұрын
I’m impressed by your KZbin channel; the content is so engaging! But some areas in your channel need to be refreshed. Your video content needs better SEO to reach its full potential. With optimised titles, descriptions, and keywords, your videos can attract more viewers. Additionally, leveraging social media-such as Facebook, Instagram, Twitter, and LinkedIn-will increase your visibility and engage a larger audience, adding value to your business. If you’d like, I’m happy to share my experiences with you.
@AnnaOllsson 27 күн бұрын
Predicting the housing market is difficult, as it depends on how effectively the Federal Reserve can reduce inflation and interest rates without causing a significant drop in demand for homes and other goods.
@bartlyAD 27 күн бұрын
A lot of folks have been going on about the bull rally and said stocks that would be experiencing significant growth, any idea which stocks this may be? I just sold my home in the Boca Grande area and I’m looking to remunerate a lump sum into the stock market before stocks rebound, is this a good time to buy or no?
@FinnBraylon 27 күн бұрын
Such market uncertainties are the reason I don’t base my market judgements and decisions on rumors and here-says, got the best of me 2020 and had me holding worthless position in the market, I had to revamp my entire portfolio through the aid of a broker, before I started seeing any significant results in my portfolio, been using the same Adviser and I’ve scaled up 750k within 2 years, whether a bullish or down market, both makes for good profit, it all depends on where you’re looking.
@HildaBennet 27 күн бұрын
True, we’re only just an information away from amassing wealth, I know a lot of folks that made fortunes from the Dotcom crash as well as the 08’ crash and I’ve been looking into similar opportunities in this present market, could this coach that guides yo help?
@FinnBraylon 27 күн бұрын
Her name is Sonya Lee Mitchell. Hope that helps.
@HildaBennet 27 күн бұрын
Just copied and pasted her on my browser and her page popped up immediately, thank you for saving me hours of researching.
@Jmstr-p6h Ай бұрын
Great video. Thx!
@aliciaserrano9698 Ай бұрын
Thank you! You made it quick and easy to understand :)
@Painlesscotton Ай бұрын
Can u utilize the 1031 if u receive $$ from a private equity real estate investment?? Prolly to put $$ back into a new private placement memorandum Real estate deal…Thanks
@RealEstateFinanceAcademy Ай бұрын
Possibly. Depends on a number of factors. Ask your attorney & accountant to be sure you structure the deal correctly, and don’t take receipt of any funds.
@jeannettedickson3646 Ай бұрын
Thank you for explaining that!❤
@andretatesIII Ай бұрын
I’m just impressed this guy can write backwards!
@JimJones-r1e Ай бұрын
It all a racket
@bryansproles2879 Ай бұрын
Does escrow come into play on a fully cash transaction? I heard that it's primarily used when buying a home on a mortgage.
@RealEstateFinanceAcademy Ай бұрын
Absolutely yes. Escrow is the neutral third-party that protects both buyer and seller, and should be used in every transaction that involves monetary consideration, regardless of whether or not a lender is involved. The escrow company also does the title insurance, which is critically important for the buyer. Worst case scenario, without a title & escrow company, an all-cash buyer could end up paying for a worthless piece of paper or the wrong parcel. Hope that helps! - Trevor
@BlackZeroHawk Ай бұрын
Does this apply to every different property I purchase every time? Ex. I buy House A for 200k and sell it for 300k then I also sell House B for 400k during a similar/same time period. do I get to use a different 1031 exchange for each property? Thus, id have to find a house worth more than 300k for House A and one worth more than 400k for house B, correct?
@RealEstateFinanceAcademy Ай бұрын
1031 can be used anytime capital gains taxes are involved, which is typically for investment properties and not usually your primary residence; be sure to talk to an accountant. Good luck! - Trevor
@xboygaming9267 Ай бұрын
This is such a great and in depth video, I was surprised to see it only had a few thousand views. I've recently gotten an interest in finance specifically and was reading about AIG and this video helped me grasp so many concepts its crazy. Ill definitely be checking out the other videos on your channel. My professors couldn't even explain these concepts as well as you did. AND I PAY THEM.
@RealEstateFinanceAcademy Ай бұрын
Thank you for the kind words. Most professors have never worked in structured finance, and most finance pros don’t teach. I have been fortunate enough to have done both. Glad you liked it. I appreciate the comment. - Trevor
@qutthroat10tail84 Ай бұрын
Great video
@RealEstateFinanceAcademy Ай бұрын
Thank you. Glad you enjoyed it! - Trevor
@jakevolk9837 Ай бұрын
Well that was easier than I thought thanks guy!
@RealEstateFinanceAcademy Ай бұрын
You're welcome! Happy to help! - Trevor
@xx-nd2dk 2 ай бұрын
amazing
@RealEstateFinanceAcademy 2 ай бұрын
Thank you! Glad you think so! - Trevor
@israelendalk 2 ай бұрын
Simply put,, im f..ed..
@harshhirani9991 2 ай бұрын
But why will jr. Debt will wait for the excess amount to be there to finish off his debt? What if there is no excess amount?
@douglasmendoza4055 2 ай бұрын
Thanks for the response Trevor. I'm just trying to find the formula for principal amortization. Basically identifying how amortization will impact cash on cash. I know it sounds convoluted.
@RealEstateFinanceAcademy 2 ай бұрын
It’s not a simple “formula” but it’s easy once you understand the components. I get this question so often that I made a FREE course on how to do the calculations. No strings attached, and it takes less than an hour: learn.realestatefinanceacademy.com/finance-prerequisite
@DrGriff2000 2 ай бұрын
How did you come to this math? How is the formula done?
@RealEstateFinanceAcademy 2 ай бұрын
It’s a simple Loan Amortization calculation using the Time Value of Money. It’s how all loan payments are calculated. Check the link for the free course to learn how to do it in just a few minutes. 😉👍🏻 - Trevor
@DawsonDeadEye 10 сағат бұрын
@@RealEstateFinanceAcademy its basically fucking you so hard even jews cant believe its legal
@douglasmendoza4055 2 ай бұрын
Hey Trevor, is that the same as coc with principal amortization?
@RealEstateFinanceAcademy 2 ай бұрын
I’m not sure I understand the question. But cash-on-cash is your annual net cash flow (after debt service) divided by your total cash invested. Principal amortization isn’t a part of the formula, in this case… Let me know if you have more questions. Happy to help! - Trevor
@D.WilliamStaples 2 ай бұрын
why not just refinance with a cashout option and roll the heloc into the new mortgage?
@RealEstateFinanceAcademy 2 ай бұрын
Depending on where you are in the market cycle, the current interest rates, lender guidelines, etc., you may or may not be able to refinance the total debt and pay off the HELOC. The assumption that you always can do that is what hurt most borrowers leading up to the 2008 financial crisis, and it’s also what’s hurting a lot of borrowers in 2023-24, because rates are too high and people can’t refinance everything they owe against the property. - Trevor
@TheBekLoverPodcast 2 ай бұрын
If the house was 400 originally and sold for 900k. Is the gain of 500k allowed to be 1031 and I can keep my original 400?
@RealEstateFinanceAcademy 2 ай бұрын
No, you cannot take any funds from the transaction and you must replace an equivalent amount of debt. Talk to your accountant for details on the tax consequences. Hope that helps. - Trevor
@TheBekLoverPodcast 2 ай бұрын
@@RealEstateFinanceAcademy appreciate u my guy
@Southindiancouple 2 ай бұрын
What is significance of the loan to value ratio and how does it impact mortgage approval?
@RealEstateFinanceAcademy 2 ай бұрын
LTV is a measurement of how much risk is born by lender (using their money) versus the borrower. It’s a maximum limit of the loan amount relative to the property value. Lower LTV loans usually have a slightly lower interest rate, because of the lower risk to the lender. Hope that helps! - Trevor
@MelissaJones-l5p 2 ай бұрын
0397 Alf Manor
@DullesDick-u6c 2 ай бұрын
Jackson Jessica Lewis Jose Garcia Jessica
@carlamariebernice1 2 ай бұрын
Yes. Awesome
@GodxMischief 2 ай бұрын
So interest is just as criminal as taxation
@grahamshackley5941 2 ай бұрын
76193 Lavonne Crest
@1992loran 2 ай бұрын
when do you realize the 6% inteest? In the 30th year?
@RealEstateFinanceAcademy 2 ай бұрын
I don’t understand the question… can you elaborate? - Trevor
@andreavandekleut6379 2 ай бұрын
no wonder all those buildings are empty they are sim-ply NOT WORTH the money and headaches.
@MuhammadRezqyGhifari 2 ай бұрын
How to applicate on simple interest?
@RealEstateFinanceAcademy 2 ай бұрын
I don’t understand the question… can you elaborate? - Trevor
@BobLena-l2i 2 ай бұрын
83362 Spinka Lights
@ShanmugarajS-v7x 2 ай бұрын
I am having hard time in finding the link to download the spreadsheet. Pls help
@RealEstateFinanceAcademy 2 ай бұрын
See the top of the description.
@jinkynuqui8500 2 ай бұрын
Wow thats the Bank Version, but the reality is reverse... The last payment is $2 for the principal and $596 is the interest. so your loan balance is $2 and you have to pay it for $596 gotcha..
@ako849 2 ай бұрын
Can you please help me with my mortgage payments. I have a $60,000,00 left on my mortgage loan and I pay $345,00 a fortnight and my interest rate is 9% percent and the loan term is 11 years. Could you please explain how I should get this loan out and how I can pay it off. I love your videos about, Real Estate and Finances . Well the Academy is a great resource for people looking for a new career opportunity like myself.
@RealEstateFinanceAcademy 2 ай бұрын
Thank you for the kind words. Where are you located? You should be able to refinance your debt with a community bank or a mortgage lender at a rate lower than 9%.
@julioilarraza3173 2 ай бұрын
You the best your explain that In PR language En Arroz Con Habichuela / With Raíces & Bean 👏👏👏
@BestGlass-xi8cw 3 ай бұрын
That’s right if you get a home loan for 30years 7% interest in paying more than a double of the loan amount
@vinceliu605 3 ай бұрын
So with defeasance, you would use the proceeds that would have been used to pay off the loan to purchase treasury securities instead? And the proceeds can come from another loan/institution (refinance) or a buyer (sale)?
@RealEstateFinanceAcademy 3 ай бұрын
Check the loan terms. The borrower must reimburse the lender for the lost interest that isn’t covered by the lender’s reinvestment. The lender defines the calculation in the loan documents. To estimate, check out www.defeasewithease.com Hope that helps. - Trevor