DCSR Rates: What Investors Can Expect to See

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DCSR Rates: What Investors Can Expect to See

Welcome to Your September 2024 Market Update

Today we are focusing on DSCR rates and what investors can expect to see! Here at The Cash Flow Company we want to keep you up to date on where the real estate market is heading and what it means for you as an investor. Let’s take a closer look!

Great News for DSCR Loans: Rates are Dropping

If you’ve been eyeing DSCR loans, there’s some good news. We’ve seen rates drop by about 30 basis points this month alone. For well-qualified clients with strong properties, rates are now in the high sixes for 75% to 80% loan-to-value (LTV) ratios. That’s a significant decrease and nearly half a point lower than just a few months ago.

What’s Next?

Looking ahead, it’s a bit uncertain. The Federal Reserve is likely to increase rates by a quarter-point in September, and they’re talking about a few more hikes before the year ends. However, DSCR rates are based on a 5-year term rather than a 10-year, so they may fluctuate differently. However, by the end of the year, we could see these rates dip into the low sixes and possibly even the high fives early next year.

The Bottom Line

Thankfully we are seeing rates trending down across the board. That’s great news not only for cash flow and affordability, but also for getting your properties sold. The past year has been tough with high rates, but the tide is turning. More buyers are entering the market, properties are starting to cash flow again, and there’s a lot more activity overall.

Stay Updated with Our Mortgage Report

Want to keep up with where rates are headed? We’ve got a mortgage report that tracks the trends and tells you who’s offering the best rates for fix-and-flip, DSCR, and other loan products. Watch our most recent video to find out more about DCSR Rates: What Investors Can Expect to See.

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Real Estate Market Update for Investors – September 2024

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Real Estate Market Update for Investors – September 2024

Welcome to Your September 2024 Market Update

Hey there, it’s Mike with The Cash Flow Company! I’m here to give you a quick rundown of where the real estate market is headed and what it means for you as an investor. Whether you’re looking at DSCR loans, fix-and-flip projects, or even conventional rates, I’ve got you covered. Let’s take a closer look at the real estate market update for investors.

DSCR Loans: Rates are Dropping

If you’ve been eyeing DSCR loans, there’s some good news. We’ve seen rates drop by about 30 basis points this month alone. For well-qualified clients with strong properties, rates are now in the high sixes for 75% to 80% loan-to-value (LTV) ratios. That’s a significant decrease and nearly half a point lower than just a few months ago.

What’s Next?

Looking ahead, it’s a bit uncertain. The Federal Reserve is likely to increase rates by a quarter-point in September, and they’re talking about a few more hikes before the year ends. However, DSCR rates are based on a 5-year term rather than a 10-year, so they may fluctuate differently. However, by the end of the year, we could see these rates dip into the low sixes and possibly even the high fives early next year.

Conventional Rates: A Better Time for Buyers

Why should you care about conventional rates? Well, they’re crucial because they determine what your end buyers can afford. Right now, we’re seeing rates in the high fives and are around 5.625% to 5.75% for those with excellent credit and strong LTVs on owner-occupied properties.

Looking Forward

If the Fed continues to drop rates, we could see conventional rates fall into the low fives by the end of the year or early next year. While I don’t expect rates to drop more than a point or point and a half in the next 12 months, even these modest decreases will make a big difference. More buyers in the market mean more opportunities to sell your properties and move on to the next deal.

Fix-and-Flip Loans: Trending Downward

Now, let’s talk fix-and-flip loans. If you’ve got experience, which is 10 or more projects under your belt in the last two to three years, then you’re in luck. Rates for seasoned investors are now dipping back into the 8% range. Even better, we’re seeing lenders offer 10% down and 100% financing options, depending on your credit score.

What to Expect

This trend of decreasing rates is likely to continue, with some lenders already offering rates below 10% and even into the 8% range for well-qualified investors. Don’t expect huge changes by the end of the year, though. We might see another quarter or half-point drop, but this new reality of lower rates is here to stay, at least for the next 6 to 9 months.

The Bottom Line

So, what’s the takeaway? Rates are trending down across the board. That’s great news for cash flow, affordability, and getting your properties sold. The past year has been tough with high rates, but the tide is turning. More buyers are entering the market, properties are starting to cash flow again, and there’s a lot more activity overall.

Stay Updated with Our Mortgage Report

Want to keep up with where rates are headed? We’ve got a mortgage report that tracks the trends and tells you who’s offering the best rates for fix-and-flip, DSCR, and other loan products. Watch our most recent video to find out more about Real Estate Market Update for Investors – September 2024

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How Debt Impacts Your Real Estate Investments

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How Debt Impacts Your Real Estate Investments

Debt plays a significant role in real estate investing, and understanding its impact can help you make informed decisions. Let’s explore how debt impacts you real estate investments and why it’s important to manage it wisely.

Why Use Debt in Real Estate?

Debt can be a powerful tool for real estate investors when used correctly. It allows you to leverage your resources and achieve more than you could with cash alone. For example:

1. Using Debt Effectively:

  • When used correctly, debt helps you purchase properties that may have been out of reach. For instance, instead of paying cash for a single property, you can use debt to finance multiple properties, potentially increasing your returns.

2. Choosing the Right Type of Debt:

  • Not all debt is created equal. Whether it’s a cash-out refinance, home equity loan, or a 0% credit card, selecting the right type of debt for your specific situation is crucial. The right choice can save you significant amounts of money over time.

The Importance of Smart Debt Choices

Making smart debt choices can save you hundreds of thousands of dollars over your lifetime. On the flip side, making poor decisions can lead to financial struggles. Here’s how to approach debt:

1. Avoiding Costly Mistakes:

  • One common mistake is choosing a cash-out refinance when a home equity loan might be better. For example, a typical cash-out refinance could end up costing you a quarter of a million dollars more over the life of the loan compared to other options.

2. Getting the Right Advice:

  • It’s essential to get the correct information before taking on debt. Missteps can be costly, so understanding your options is key. Smart with Debt, a new venture focused on helping consumers, aims to provide you with the knowledge needed to make informed decisions without trying to sell you loans.

Balancing Debt and Investment Goals

Your goal should be to use debt to enhance your investments without letting it become a burden. Here are some strategies:

1. Focus on the Best Debt:

  • Always aim to get the best debt for your situation. This could mean choosing between a cash-out refinance and a home equity loan or finding the best lender for your needs.

2. Protect Your Future:

  • Managing debt wisely isn’t just about saving money now; it’s also about protecting your future. By choosing the right type of debt and understanding its long-term impact, you can ensure your investments remain profitable.

Conclusion: Use Debt, Don’t Let It Use You

Debt can be a powerful tool for growing your real estate investments, but it must be used wisely. The key is to understand your options, avoid common pitfalls, and always aim to put more money into your life by making the best debt choices. Remember, the goal is to use debt effectively, not let it use you. Would you like to find out more about how debt impacts your real estate investments? Contact us today!

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Get Smart with Your Debt

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The Cash Flow Company is introducing a new website, Smart with Debt! Our goal is to help you choose the best type of debt, save money, and more importantly protect your financial future. So, let’s dive into some key topics and get smart with your debt!

Why Smart with Debt?

Nowadays, many people get into debt without understanding the best options available. As a result, this can cost them thousands over time. At Smart with Debt, we believe in using debt wisely. Our goal is to help you:

  • First, Choose the best type of debt
  • Next, Save money
  • Finally, Protect your financial future

Use Debt, Don’t Let Debt Use You

Cash-Out Refinance vs. Home Equity Loan

Sometimes, you need extra money for big expenses or investments. Two common ways to get this money are:

  1. Cash-Out Refinance: This replaces your current mortgage with a new, larger one. You get the difference in cash.
  2. Home Equity Loan: This is a second loan against your home’s value.

However, a typical cash-out refinance could cost someone a quarter of a million dollars over the life of the loan.Therefore, you need to always compare the options first.

Getting 0% Credit Cards

0% credit cards can also be a great way to manage debt. These cards offer a period where you pay no interest. Here’s how to use them smartly:

  1. Transfer Balances: Move high-interest debt to a 0% card.
  2. Pay It Off: Aim to pay off the balance before the 0% period ends.
  3. Avoid New Debt: Don’t add new charges while paying off the balance.

Protect Your Future

Choosing the right debt can not only save you money, but it can also protect your future. Here are some tips:

  • Research: Always compare different loan options.
  • Plan: Have a clear plan to pay off your debt.
  • Ask Questions: Don’t be afraid to seek advice.

Our goal is to get you on the right path but not do the loans for you. It can muddy the water when giving advice and trying to get you a loan also.

Join Us!

We’re here to help you get the best debt for your needs. Check out our videos, leave comments, and ask questions. Together, we can help you get on the right path to financial success.

 

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Smart with Debt: Stop Giving the Bank Your Money!

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Debt can be a useful tool, but only if you use it smartly. At Smart with Debt, we believe in helping you find the best debt options, so you keep more money in your pocket. Let’s explore how to stop giving the bank your money and make debt work for you!

Why Smart with Debt?

Many people take on debt without understanding the full cost. This often leads to paying more than necessary over time. Our mission is to educate you on how to choose the best debt options, whether it’s a home loan, HELOC, or credit card.

Use Debt, Don’t Let It Use You

It’s easy to fall into the trap of taking the first loan that you are offered. However, there are better ways to handle debt. Here’s how:

Cash-Out Refinance vs. Home Equity Loan

Imagine you need money for home improvements. You could choose a cash-out refinance, but this might cost you a quarter of a million dollars over the life of the loan. Instead, a home equity loan might be cheaper in the long run.

Example:

  • Cash-Out Refinance: Higher upfront costs and longer terms can add up.
  • Home Equity Loan: Often lower interest rates and better for short-term needs.

0% Credit Cards

Zero percent credit cards can be a smart way to manage short-term debt. Instead of paying high interest on balances, you can move your debt to a 0% card and save on interest.

Example:

  • Typical Credit Card: High-interest rates add up quickly.
  • 0% Credit Card: No interest for an introductory period, giving you time to pay off the balance.

Best Debt Paths in Your Market

Debt options vary depending on changes in the market. Therefore, knowing the best local lenders can in fact save you thousands. Our main focus is helping you find these lenders in order to make the best choices.

Protect Your Future

By choosing the right debt, you can protect your financial future. To put it another way, better rates and terms mean more money in your pocket now as well as down the road.

Example:

  • Better Loan Terms: Lower interest rates reduce your monthly payments.
  • Future Savings: Less money paid in interest over time means more savings.

Get Educated, Make Smart Choices

Our goal at Smart with Debt is to provide you with the information you need to make smart debt choices. We’re here to help you understand your options and choose what’s best for your situation.

Join Us!

Interested in learning more? Visit our new channel, subscribe, and start your journey to smarter debt today. Leave comments, ask questions, and let us help you keep more of your money and learn how to stop giving the bank your money!

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The Six Money Buckets You Need in Real Estate Investing

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The Six Money Buckets You Need in Real Estate Investing

As a real estate investor, it’s crucial to always be ready for opportunities. Successful investors have two key secrets: always looking for properties and being prepared to buy them. Now, let’s dive into the six money buckets that help them stay ready.

1. Other People’s Money (OPM)

Firstly, consider Other People’s Money (OPM). This includes family, friends, and other investors. They can lend you money without credit or income checks. For example, if you need $20,000 for a down payment, you can call someone from your OPM bucket. You might offer them a return of 8-12%, which is better than what they’d get from a bank.

2. Home Equity Lines of Credit (HELOCs)

Next, think about Home Equity Lines of Credit (HELOCs). If you have equity in your home or rental properties, a HELOC can be a flexible funding source. For instance, you can use a HELOC to withdraw money for down payments or to fix up properties. The best part is, you only pay interest on what you use.

3. Business Credit Cards

Moreover, business credit cards are a fantastic tool. Unlike personal credit cards, they don’t affect your personal credit score. This helps keep your credit in good shape for future loans. For example, you can use these cards to pay for repairs or other expenses without impacting your credit score.

4. Hard Money Lenders

Then, there are Hard Money Lenders. These lenders don’t focus on your credit or experience. They can lend you more money for flips or 100% for BRRR projects. Because of their flexibility, they are great for deals in remote areas or properties that need significant work.

5. Private Lenders

Additionally, Private Lenders are essential. They provide loans without needing your tax returns. For example, private lenders like Kiavi or RCN Capital might offer 90% of the purchase price and 100% of rehab costs. While they take longer to close, they are less costly than hard money lenders.

6. Local Banks

Finally, don’t forget Local Banks. They usually offer lower rates and fewer points. They might take longer to close, but they can be great for projects that aren’t time-sensitive. For example, if you’re planning a major renovation, a local bank’s loan might be perfect.

Conclusion

In conclusion, having these six money buckets at your disposal can make you a more flexible and prepared investor. Each bucket serves a different purpose and offers unique benefits. By building and maintaining these funding sources, you can ensure you’re always ready to seize opportunities and grow your real estate business.

For more tips and tools, visit The Cash Flow Company. Here, you’ll find resources like our deal analyzer and a detailed guide on money buckets to help you succeed.

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Why You Need to Fill Your Money Buckets

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Why You Need to Fill Your Money Buckets

Always Be Ready

One of our main goals at The Cash Flow Company is to help investors succeed! Top real estate investors have a secret formula. First, they’re always looking for properties. Second, they’re always ready to buy those properties because they have their money buckets filled. Therefore, when opportunity knocks, they are prepared to answer. How can you fill your money buckets? Let’s take a closer look! 

What Are Money Buckets?

Besides searching for properties, the second key to success is having the money ready to buy properties quickly. This brings us to the concept of a “funding stack” or “money buckets”. Top investors have multiple funding options lined up so they can act fast when a deal comes along. Let’s explore the six types of money buckets!

1. Other People’s Money (OPM)

Why Use OPM?

First and foremost, Other People’s Money (OPM) is a powerful tool. To clarify, OPM means borrowing money from friends, family, or other investors. Consequently, they lend you money because they trust you and want a better return on their investment.

Example:

If you need $20,000 for a down payment, OPM can help you get it without a credit check or income proof.

Benefits:

  • No credit checks
  • No income checks
  • Flexible terms

2. Home Equity Lines of Credit (HELOC)

Why Use HELOC?

Another incredibly helpful tool is a HELOC. A HELOC allows you to borrow against the equity in your home or rental property. It’s like having a credit card linked to your property.

Example:

For example, Jane in North Carolina has a paid-off property. She can then get a HELOC to buy fix-and-flip properties. Moreover, she uses a debit card that is linked to her HELOC for purchases at Home Depot.

Benefits:

  • Access funds anytime
  • No need for repeated applications
  • Fast and easy to use

3. Business Credit Cards

Why Use Business Credit Cards?

Business credit cards don’t affect your personal credit score. They are useful for short-term needs like repairs, as well as for small purchases.

Example:

If you need to buy materials for a renovation, use a business credit card instead of a personal credit card. As a result, your personal credit score remains intact and separate from your business expenses.

Benefits:

  • Doesn’t report to personal credit
  • Flexible for small expenses
  • Easy to obtain

4. Hard Money Lenders

Why Use Hard Money Lenders?

Hard money lenders are flexible and don’t focus on your credit score. Instead, they can provide funds quickly for flips, as well as rentals.

Example:

If you find a great flip but need the money in a few days, a hard money lender can provide it faster than a bank.

Benefits:

  • Fast approval and funding
  • Flexible terms
  • Suitable for flips and rentals

5. Private Lenders

Why Use Private Lenders?

Private lenders are like a middle ground between banks and hard money lenders. They not only offer better rates than hard money lenders, but they also require less paperwork than banks.

Example:

Private lenders can give you 90% of the purchase price and 100% of the rehab costs. Consequently, this helps you get started on your project without waiting for bank approvals.

Benefits:

  • Less paperwork
  • Competitive rates
  • Covers most of the purchase and rehab costs

6. Local Banks

Why Use Local Banks?

Local banks offer lines of credit or loans with lower rates. They may take longer to process, but they are ideal for long-term investments.

Example:

If you’re planning a pop-top renovation, a local bank can provide the necessary funds at a lower rate.

Benefits:

  • Lower interest rates
  • Ideal for long-term projects
  • Personalized service

Be Ready for Every Opportunity

In conclusion, by filling your money buckets now it ensures that you’re always ready to seize opportunities in real estate. By having diverse funding sources, you can act fast and get the best deals. Start building your money buckets today, and watch your investment opportunities grow. For more tips and tools, visit The Cash Flow Company. You’ll find tools like our Deal Analyzer and a comprehensive guide to building your funding stack.

Watch our most recent video to find out more about: Why You Need to Fill Your Money Buckets

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What It Takes to Qualify for a DSCR Loan?

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What It Takes to Qualify for a DSCR Loan?

Are you a real estate investor looking for a flexible and straightforward loan option? If so, you might want to consider a DSCR loan. Not only is it one of the easiest loans to qualify for, but it also doesn’t require personal income documentation. In other words, your personal financial situation won’t hold you back. Instead, the focus is on the property’s ability to generate income. Today we are going to discuss what it takes to qualify for a DSCR loan. Let’s get started! 

Understanding DSCR Loans

A DSCR loan, or Debt Service Coverage Ratio loan, is a fantastic tool for real estate investors. It’s often called the “no personal income loan” because it doesn’t require personal income documentation. Instead, it focuses on the income that is generated by the property.

Why Choose a DSCR Loan?

DSCR loans are perfect for investors who:

  • Are just starting out
  • Have written off their income
  • Want a fast and flexible loan process

How to Qualify for a DSCR Loan

Step 1: Property Income

To qualify, the property must generate enough income to cover its expenses. These expenses include:

  • Mortgage payments
  • Taxes
  • Insurance
  • Homeowners Association (HOA) fees
  • Flood insurance

For example, if your property earns $2,000 in rent and your expenses are $1,800, you’re good to go. The property’s income should at least break even with its expenses.

Step 2: Rental-Ready Properties

DSCR loans are only for rental-ready properties. This means the property must be ready to rent out right now. Fix and flips or properties needing major repairs don’t qualify.

For instance, if your property has a working kitchen, bathroom, and roof, it’s likely rental-ready. But if it needs a lot of work, consider other loan types.

Step 3: Business Loan Structure

DSCR loans are business loans, so they must be made to a business entity like an LLC or corporation. This means:

  • The loan won’t show up on your personal credit report
  • Your personal credit score still matters
  • Loan-to-value ratios (LTVs) are important

Benefits of DSCR Loans

  1. No Personal Income Documentation: You don’t need to show personal income, which makes it easier for those who write off their income.
  2. Fast Processing: Without the need for tax returns or income verification, the loan process is quicker.
  3. Better Rates: DSCR loan rates can be more favorable than conventional loans, especially now.

Tools to Help You

Here at The Cash Flow Company, we offer a free DSCR calculator. This tool helps you figure out if a property will cash flow before applying for a DSCR loan. Just enter the numbers, and the calculator does the rest. It compares your rental income to your expenses to see if you break even.

Flexibility and Options

Even if your property doesn’t cash flow right away, there are options available. Sometimes, you might get a lower LTV, but it’s worth it if you believe the property value will increase.

Conclusion

DSCR loans are a powerful tool for real estate investors. They offer flexibility, faster processing, and often better rates. Whether you’re starting out or have been in the game for a while, DSCR loans can help you grow your portfolio. Check out our DSCR calculator today to see if your property qualifies!

If you’re interested in learning more, visit The Cash Flow Company’s website! Start taking advantage of DSCR loans today!

Watch our most recent video to find out more about: What It Takes to Qualify for a DSCR Loan

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Real Estate Investing Success: The Secret Formula Revealed

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Real Estate Investing Success: The Secret Formula Revealed

Real estate investing can be incredibly rewarding, but what’s the secret formula for success? The top investors follow two key principles. First, they are always on the lookout for properties. Second, they ensure they have the funding ready to seize opportunities when they arise. Let’s dive into these secrets and how you can use them to your advantage.

Always Be Looking for Properties

Top investors never stop searching for properties. They know that good deals can appear anytime and anywhere. In order to be successful, you must develop a habit of constantly scanning the market, attending open houses, and networking with real estate agents, as well as wholesalers.

Be Ready with Money

Besides searching for properties, the second key to success is having the money ready to buy properties quickly. This brings us to the concept of a “funding stack.” Top investors have multiple funding options lined up so they can act fast when a deal comes along. Let’s explore these funding options.

1. Other People’s Money (OPM)

Using OPM means borrowing money from family, friends, or other investors. This method often involves no credit checks or income verification. Therefore, if you present a good deal, people will be willing to invest.

Example: Borrow $20,000 from a friend for a down payment, promising an 8-12% return, which is better than the 3-5% they’d get from a bank.

2. Home Equity Line of Credit (HELOC)

A HELOC, or home equity line of credit, allows you to borrow against the equity in your home or rental properties. This is like a credit card where you can withdraw money as needed, making it perfect for down payments, renovations, or purchases.

Example: Use a HELOC to withdraw funds to buy a fixer-upper, then pay it back as you flip and sell the property.

3. Business Credit Cards

Business credit cards are crucial as they offer financial flexibility without affecting your personal credit score. These cards can cover expenses such as materials and labor for your real estate projects.

Example: By using a business credit card for rehab projects, you can in turn avoid the impact on your personal credit score while keeping your finances organized.

4. Hard Money Lenders

Hard money lenders provide short-term loans based on the property’s value rather than personal credit scores. They are more flexible and can close deals quickly. This makes them ideal for flips or urgent purchases.

Example: Secure a hard money loan in order to purchase and renovate a property that is in a remote area. Properties that are more remote are often avoided by traditional banks.

5. Private Lenders

Private lenders are national companies that offer loans without requiring extensive documentation such as tax returns. They often provide up to 90% of the purchase price and can cover 100% of the renovation costs.

Example: Use a private lender to buy a rental property. Then use OPM or a HELOC to cover the down payment and renovation costs.

6. Local Banks

Local banks often have favorable terms for real estate investors. Although they may take longer to process loans, they offer lower rates and can provide lines of credit for future purchases.

Example: Partner with a local bank to secure a line of credit. This gives you the flexibility to buy new properties or cover ongoing project costs.

Building Your Funding Stack

In order to build your funding stack, start with the most flexible options. These include OPM and business credit cards. As you grow you can begin to incorporate HELOCs, hard money lenders, private lenders, and local banks. In doing so, you’ll be prepared for any opportunity that comes your way.

Conclusion

Success in real estate investing comes down to two things: always looking for properties and being ready with the funding to buy them. By building a robust funding stack, you can ensure you’re always prepared to seize the best deals and grow your wealth exponentially.

For more information and resources, visit The Cash Flow Company website. You’ll find tools like our Deal Analyzer and a comprehensive guide to building your funding stack.

Watch our most recent video to find out more about: Real Estate Investing Success: The Secret Formula Revealed

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HELOC vs Cash Out Refinance

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HELOC vs Cash Out Refinance

Are you thinking about tapping into your home equity? If so, you might be wondering whether or not a HELOC or a Cash Out Refinance is the better choice. Both options have their perks, however one may suit your needs better than the other in 2024. Let’s break down the differences to see which option is best for you! 

What is a HELOC?

First and foremost, what is a HELOC? A HELOC is a Home Equity Line of Credit, or an equity line on your property. It operates like a credit card and you can draw from it as needed by using your home as collateral. To clarify, you only pay interest on the amount you borrow, not on the entire line of credit. Here are some key points about HELOCs:

What is a Cash-Out Refinance?

A Cash-Out Refinance on the other hand replaces your existing mortgage with a new, larger one. Therefore, you receive the difference in cash. This option can be helpful if you need a large sum of money and would prefer a single monthly payment. Here are some key points about a cash-Out Refinances:

Which One is Better for You?

Choosing between a HELOC and a Cash-Out Refinance depends on your financial goals and current market conditions. Here are some scenarios to help you decide:

Choose a HELOC if:

  • Low upfront costs.
  • Flexibility in borrowing.
  • You plan to pay off the borrowed amount quickly.
  • Receive 80% to 85% LTV.
  • Interest on mortgage is 3% to 4% and will not be affected by HELOC. 
  • Less paperwork and closing in 1 to 3 weeks.

Choose a Cash-Out Refinance if:

  • You need a large sum of money all at once.
  • Fixed monthly payments.
  • Payments are included within the life of the mortgage.
  • Receive up to 75% LTV.
  • Interest on mortgage will increase to 7%.
  • More paperwork and closing in 3-4 weeks. 

Conclusion

In 2024, a HELOC often provides more flexibility and lower upfront costs than a Cash-Out Refinance. However, your choice should depend on your specific needs and financial situation. Think about your goals, how much money you need, and how quickly you plan to repay the loan. What works best now might not be the best choice in the future. Therefore, always keep an eye on the market and consult with a financial advisor to make an informed decision.By making the right choice, you can save money, reduce stress, and improve your overall financial well-being.

Need More Information?

If you have questions or want more personalized advice, check out our website or give us a call. We’re here to help you make the best financial decision for your future.

Watch our most recent video to find out more about: HELOC vs Cash Out Refinance

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