Investor Loans with 20% Down in LOW 6-!!! WHAT?!

Investor Loans with 20% Down in LOW 6-!!! WHAT?!

Author: Michael Zuber July 22, 2024 Duration: 14:57

In this episode, we dive into the exciting world of investor loans with Jonathan from Convoy Home Loans. Did you know it's nearly impossible to get a conventional investor loan with just 20% down? Jonathan shares the inside scoop on a DCR loan product that offers investor loans with 20% down at interest rates in the low 7s, and even potentially in the low 6s if you're willing to put a bit more down. This is a game-changer for real estate investors, especially in lower-cost states where every percentage point counts towards your cash-on-cash return.

We also explore the nuances of maximizing your yield, the advantages of putting more down to secure better rates, and why conventional loans are becoming harder to obtain. Jonathan discusses how this new loan product can help investors lock in fixed debt for 30 years, ensuring predictable returns and minimal risk. Plus, we talk about the current market trends and why now might be the perfect time to jump in and secure these favorable terms.

Episode Highlights:

[00:00] - Introduction to investor loans with 20% down.

[00:44] - Market changes and the importance of getting deals to work.

[01:35] - Cash-on-cash return and the significance of saving 5% on down payments.

[02:26] - Understanding the formula for calculating yield.

[03:42] - Benefits of putting more down to get lower interest rates.

[04:56] - Why locking in a low 6% rate is a smart move for investors.

[08:12] - Challenges with conventional loans and stricter underwriting.

[09:06] - Risks associated with changing titles post-closing and the importance of compliance.

[12:29] - The potential role of AI in mortgage underwriting and audits.

[13:46] - Advice for investors considering DSR loans over conventional options.

Links & Resources:

Closing Remarks:

If you found this episode insightful, please rate, follow, and share our podcast. Your support helps us bring more valuable content to you. Happy investing!


Michael Zuber’s One Rental At A Time is for anyone who’s ever looked at real estate investing from a distance, intrigued by the possibility of financial independence but convinced their current schedule makes it impossible. This podcast dismantles that assumption by focusing on the steady, incremental approach that its title suggests. Instead of complex theories or get-rich-quick schemes, you’ll hear practical conversations about the tangible steps involved in acquiring and managing rental properties. The discussions stem from Michael’s own journey and the experiences of many others who have built a meaningful second income stream through this method. Each episode feels like a straightforward talk about turning a sidelined idea into a actionable plan, addressing the real balancing act between work, family, and building something for the future. Tuning into this podcast, you’ll find a grounded resource in the business and investing space, one that emphasizes how long-term holding and thoughtful acquisition can quietly reshape your financial landscape without demanding you upend your existing life overnight.
Author: Language: en-us Episodes: 100

One Rental At A Time
Podcast Episodes
How Nasty Will This Recession Be??? [not-audio_url] [/not-audio_url]

Duration: 17:05
In this gripping episode, we tackle the burning question on everyone's mind: Just how severe will the upcoming recession be? With economic indicators flashing warning signs, it's crucial to understand what lies ahead and…
Why Emergency Rate Cut Would be a Disaster [not-audio_url] [/not-audio_url]

Duration: 13:10
In this compelling episode, we unravel the complexities behind the potential consequences of an emergency interest rate cut. While it may appear to be a quick solution to economic challenges, the implications could be fa…
Critical Real Estate Market Update [not-audio_url] [/not-audio_url]

Duration: 50:12
In this episode, we dive into the shifting dynamics of the real estate market and explore what it means for buyers and sellers. Broadcasting from a new setup, I discuss the recent transition to a buyer's market and how y…
Chief Economist Says Cut Rates Now! [not-audio_url] [/not-audio_url]

Duration: 13:47
In today's episode, we tackle the growing buzz around potential rate cuts and their implications for the economy. Broadcasting live, I delve into the predictions from leading economists, including those from Wilmington T…
Rate Cuts = Recession? [not-audio_url] [/not-audio_url]

Duration: 11:45
In today's episode, we dive into the latest economic updates, focusing on the upcoming rate cuts and key financial indicators. Broadcasting live from my backyard, I discuss the recent Personal Consumption Expenditure (PC…
HOME BUYERS PLEASE STOP OFFERING LIST PRICE [not-audio_url] [/not-audio_url]

Duration: 14:20
Are you ready to dive into the intricacies of the current housing market? In this episode, we explore the exciting return of a buyer's market and how you can take full advantage of it. Joined by Casey from Brick by Brick…
HUGE RATE CUTS COMING FAST!!! [not-audio_url] [/not-audio_url]

Duration: 41:31
In this episode of "One Rental at a Time," we dive into the current state of the financial market, focusing on the potential for significant rate cuts by the Fed and the implications for the housing and commercial real e…
Housing Affordability Myths Holding You Back [not-audio_url] [/not-audio_url]

Duration: 17:41
In this engaging episode of "One Rental at a Time," we dive into the hot debate on housing affordability with insights from Michael Zuber, Deon, and Matt, the lumberjack landlord. We tackle the bold claim that housing af…
Economy Slowing Down Quickly? [not-audio_url] [/not-audio_url]

Duration: 11:56
In this episode of "One Rental at a Time," we delve into the current state of the bond market and its implications for interest rates, with an insightful analysis by Michael Zuber. We explore the potential for rate cuts…
AI Can NOT Disrupt this Boring Business [not-audio_url] [/not-audio_url]

Duration: 14:06
Episode Summary: In this episode of "One Rental at a Time," we're joined by Beau Eckstein, a concierge for small business lending, to explore the potential of boring yet profitable business models. We discuss a long-stan…