Tag Archive for: The Cash Flow Company

Real Estate Investing at 50: Worth It?

Today we are going to discuss if it is really worth it to invest in real estate at 50. The answer is yes! Many people are getting into real estate investing later in life because they are trying to build wealth for retirement. This additional pocket of money provides not only additional options for them, but financial security as well. Are you interested in building wealth for your retirement and increasing your cash flow? Let’s take a closer look at why it is never too late to invest in real estate!

Example: Building equity

Purchasing properties prior to age 65:

Year 1 Buy 2 properties
Year 2  Buy 3 properties
Year 3  Buy 5 properties
Total  10 properties

 

Property value $250K (per property)
National average 4% We will use 3% for this example
Buying strategy BRRRR
Equity after 3 years $600K in equity  (per property)

What is BRRRR?

BRRRR stands for buy, rehab, rent, refinance, and repeat. These properties are undervalued properties that you fix up and rent. Once they are fixed up then you are able to refinance typically at  75%. Another benefit to starting later in life is that you aren’t using your own money for your investment properties. Instead, you are using the strategies in order to buy these properties. By putting multiple strategies together, you have the opportunity to create more than most people have for retirement within only 3 years time.

Example: Making money for later

Create the options and security you need before age 65!

Number of properties 10
Cash flow $300 (per property) or $3000 (10 properties) 
Property #1 Paid off in 5 years
Property #2  Paid off using Property #1 
Property #3 Paid off using Property #2
By age 65 You own 3 properties free and clear! 
Property #1, #2, and #3  Worth $400K each totaling $1.2 million
Property #1, #2, and #3  They bring in $2100 each per month

Just to clarify, the only things that you would need to pay once the properties are paid off are taxes and insurance.

Supplemental income options.

First and foremost the money that you are making off of the rental properties can supplement social security or retirement. The second option that you have is to take out a new loan and get money out of one or all of the three paid off properties. Finally, you could sell a property every three years, which would get you to age 95 by just using the proceeds from the property. Keep in mind that you will have some taxes, however, it provides more flexibility and financial security in the long run. Just to clarify, once the 10 properties hit maturity, they will be $600K each for a total of $6 million! 

Start now!

It’s never too late to get started in real estate investing! Therefore, you need to set yourself up for the future you want by building your supplemental income today. Those who do it correctly by using BRRRR will have a lot of options down the road. Do you want to learn more about setting yourself up for the life you want? Contact us today

Watch our most recent video to find out more about: Real Estate Investing at 50: Worth It?

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What is a PadSplit?

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What is a PadSplit?

Today we are going to discuss the newest real estate investment concept, PadSplit! This is something that will be growing more and more popular in the near future due to affordability. By creating a PadSplit property, investors will be able to double and even triple their income off of a property.  What exactly is a PadSplit and how can it create greater cash flow?  Let’s take a closer look! 

What is a PadSplit?

A PadSplit is where you take a regular house that is a 3 bedroom/1 resident, and convert it to a property that has 6 to 8 bedrooms/6 to 8 residents. In doing so, individuals are renting the property by the bedroom as opposed to renting the whole house. To clarify, these bedrooms would be a suite and would have a private bathroom attached with only the kitchen being the shared space. Each bedroom can then be rented by the week, month, or year depending on individual needs. By creating a PadSplit property it creates an affordable property for investors because they are getting 2 to 3 times the rent that they would have before. Also, no need to worry about rooms not being rented. There are companies available that can help to ensure your property is full. 

For example:

Regular investment property: 4 Bedroom with 1 stream of income totalling $2,300 

PadSplit property: 6 Bedroom with 6 streams of income totaling $4,800

Affordability is key

Nowadays, more people are only able to afford $800 per month for housing. This includes young people, old people, singles, and others who are traveling for work. Families are typically the ones who want the full house, as opposed to those who are just searching for affordability. PadSplits are becoming a bigger part of the real estate community because there is such a need in the community to create affordable housing. By putting 6 to 8 units into a property, investors can then afford to buy properties where people want to live.

Is a PadSplit right for you?

We are here to help answer your questions regarding PadSplits and run through the numbers with you to see if it’s right for you. If you do it right and make your payments, you will have the opportunity to make a lot of money! Contact us today to find out more and get in before everyone else does! 

Watch our most recent video to answer the question, What is a PadSplit?

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Most Small Business Owners Fail at THIS

Alex Erlich, a credit advisor and educator, is joining us today to discuss what most small business owners fail at! The main focus for today’s conversation is the importance of leveraging business credit vs personal credit. Credit and debt are not equal in any shape or form, but we have to play the game to win it. Knowing the rules of how to play will get you in the best position to win! Whether it’s the credit card game, credit game, or the leverage game, you need to create a leverage profile. Let’s take a closer look!

How to leverage business credit instead of personal credit?

So many people are putting business expenses on their personal credit. Unfortunately that is not as efficient as one might assume. 70-80% of clients are overextended on projects, and have maxed out their credit cards. Thus making it extremely difficult to be approved for additional loans moving forward without further impacting personal credit scores. In order to prevent this landslide, we need to approach business expenses more professionally and keep everything business focused. In doing so, it will prevent further strain on your personal credit, increase eligibility, and create more leverage. What exactly do we mean by leverage? Leverage is how much you are eligible for and what it looks like on paper. Leverage is the King in real estate. Having more leverage allows for more opportunities, not only your business, but for your personal life as well.  

How do we turn the focus from personal to business? 

First and foremost individuals need to acknowledge that they have a business. Surprisingly, many business owners don’t consider themselves to be entrepreneurs. From realtors, to contractors, and everyone in between, they typically consider themselves to be employees of the overwriting company. However, this mindset needs to change! They should not only view themselves as entrepreneurs, but also a representation of the brand. Another component that should be evaluated are items on your personal credit that need to be removed. This will in turn prevent you from personal liability as you continue to grow your business.

We are here to help you!

Here at The Cash Flow Company we want to set you up for success! Are you ready to start your own business but wondering where to start? Do you have personal credit cards that have business expenses on them? Contact us today to find out what you need to do in order to win in real estate investing! 

Watch our most recent video to find out more about: Most Small Business Owners Fail at THIS. 

Watch the complete interview with Alex Erlich now to learn even more! 

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Real Estate 2024: Your Credit Score Matters

Today we are going to discuss why your credit score really matters. On average, we talk to 20 to 25 investors a day. Many of them are facing a number of hurdles that are not only impacting them, but their investments as well. By looking at the patterns that we have seen over the years, it allows us to better meet the needs of our clients. How can your credit score impact your success as a real estate investor? Let’s take a closer look.

Credit score obstacles.

Your credit score can often hinder your success in real estate investing. Over half of our calls are from people who have a score that is too low for them to get what they want. For example, we have a guy from Texas who is trying to get his property refinanced.  While the property is great and he has an amazing tenant, his credit score is too low for him to get the rate he needs to cash flow. By working on your credit scores and setting things up right, you can achieve the credit score you need to get what you want. 

Business credit cards.

Getting business credit cards is the #1 thing that will help you achieve your goals in real estate investing! Those who are able to get business charges off of their personal credit cards will in turn open up a lot of funding options. Struggles with credit scores is often the cause of people getting out of real estate investing. Don’t let this happen to you! 

Increasing your credit score quickly.

We have a lot of different options available to investors that will help them get their credit score back on track in a matter of weeks! 

  1. Usage loan

A usage loan is used to pay down credit cards by using a private loan. As a result of paying down the credit cards, it raises your credit score. By increasing your credit score it will then allow you to refinance and buy your next investment property. 

  1. Business credit cards

We can not stress enough how important business credit cards are! By setting up business credit cards instead of personal credit cards it will help to increase your funding options. The majority of business credit cards do not report your usage. Therefore they are not hurting your DTI or your credit score. Make the change today and see the effects it can have on your credit score! 

Are you on the right path? 

Contact us today if you have any questions about how to get started in real estate investing! Do you have a property in mind? Send us the numbers and we will see if it is a good investment opportunity for you. Since your credit score and funding are such crucial pieces to your success, it is important that you know them before diving into a deal!  

Watch our most recent video to find out more about Real Estate 2024: Your Credit Score Matters.

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PadSplit: Introducing the Newest Real Estate Investment

Today we are going to discuss the newest real estate investment concept, PadSplit! This is something that will be growing more and more popular in the near future due to affordability. By creating a PadSplit property, investors will be able to double and even triple their income off of a property.  How do you create affordable homes that are cash flowing?  Let’s take a closer look! 

What is a PadSplit?

A PadSplit is where you take a regular house that is a 3 bedroom/1 resident, and convert it to a property that has 6 to 8 bedrooms/6 to 8 residents. In doing so, individuals are renting the property by the bedroom as opposed to renting the whole house. To clarify, these bedrooms would be a suite and would have a private bathroom attached with only the kitchen being the shared space. Each bedroom can then be rented by the week, month, or year depending on individual needs. By creating a PadSplit property it creates an affordable property for investors because they are getting 2 to 3 times the rent that they would have before. Also, no need to worry about rooms not being rented. There are companies available that can help to ensure your property is full. 

For example:

Regular investment property: 4 Bedroom with 1 stream of income totalling $2,300 

PadSplit property: 6 Bedroom with 6 streams of income totaling $4,800

Affordability is key

Nowadays, more people are only able to afford $800 per month for housing. This includes young people, old people, singles, and others who are traveling for work. Families are typically the ones who want the full house, as opposed to those who are just searching for affordability. PadSplits are becoming a bigger part of the real estate community because there is such a need in the community to create affordable housing. By putting 6 to 8 units into a property, investors can then afford to buy properties where people want to live. 

A growing need in our community.

There is going to be a greater need for PadSplits and smaller units in order to help people afford housing. With the ever increasing taxes, insurance, and rising rates, affordability means less. Also, there are a lot of people who need less and don’t want to take care of a whole house. That is where PadSplit can really make a big impact not only for investors, but for the public as well. It provides both affordability and the opportunity to interact with real people on a regular basis.

How do you finance a PadSplit?

PadSplits are a newer concept in real estate investing and because of that, they are new to the lending community as well. It is important that investors approach this strategically in order to get the funding they need to be successful. Keep in mind that there is a more limited market for PadSplits when you decide to sell the property down the road. However, it is just a matter of time before this concept becomes more common within our community. Here at The Cash Flow Company we are receiving a lot of inquiries regarding PadSplits and financing options. Let’s take a look at some of the options that are available for pad splits.

  1. The most important thing that you need to do is to get it funded before splitting it up. Get the property locked into a 30 year loan before dividing it into multiple units.
  2. There are also options under commercial for DSCR that could be used for PadSplits. These options are continuing to grow and there will be more available in the next few months.
  3. If you are looking for a refinance and you already have a PadSplit it is important that you have 12 months of experience and can show the numbers from bank statements or PNL from your company. This would allow us to use the income from the property to refinance the property

Is a PadSplit right for you?

We are here to help answer your questions regarding PadSplits and run through the numbers with you to see if it’s right for you. If you do it right and make your payments, you will have the opportunity to make a lot of money! Contact us today to find out more and get in before everyone else does! 

Watch our most recent video to find out more about PadSplit: Introducing the Newest Real Estate Investment.

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How to create wealth with a portfolio loan

Many real estate investors wonder how they can create wealth with a portfolio loan. Investors enter this community with the goal of creating generational wealth. This can be achieved by creating a portfolio of homes, as opposed to just acquiring just a few properties. What do you need to do financially in order to successfully create a portfolio? Let’s take a closer look at how you can create wealth with a portfolio loan! 

Changes in lending options. 

Investors who expand from a few properties to a portfolio of properties will need to open the door to other loan products. Those who invest in single family homes or have 1 to 2 units are using traditional loans, conforming loans, bank loans, or single DSCR loans. If you are transitioning to a portfolio loan it is important to take everything into consideration before diving in. 

Flexibility of a commercial loan.

A commercial loan can provide the flexibility you need to create generational wealth. One of the biggest benefits is that it provides the opportunity for you to use another person’s credit score as long as they are under your LLC. In doing so, a higher score can not only keep the transaction going, but it can open more doors. Another thing to keep in mind is that commercial loans are primarily based on the cash flow and the property value. This allows you to lock them in when rates are good so that you can use the slots to build up some additional properties on the side.

Create generational wealth.

By using a portfolio loan you are creating a bigger asset. More importantly commercial loans, unlike traditional loans, will not show up on your credit. Another thing to keep in mind is that banks often restrict your growth either by the number of properties or the loan amount. Those who are aggressive and use a portfolio loan have the flexibility they need to create the generational wealth that they want.

Is a portfolio loan right for you?

Real estate investors who have 20 properties or more need to start searching for other lending options in order to create the wealth they need to suceed. A portfolio loan is an excellent way to put all of your properties under one blanket loan. Is this the right loan for you? Contact us today to find out more about portfolio loans and other ways you can create generational wealth. 

Watch our most recent video to find out How to create wealth with a portfolio loan.

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Investor Code Red: Doing Too Many Projects at Once

Today we are going to discuss how doing too many projects at once can create a roadblock in your success. For example, we just worked with a guy who is a very successful business owner whojust got into flipping. He found 3 great properties and bought them all with our help. After finishing his first property, he gave us a call and said that he would never do that again. Unfortunately this is not uncommon in real estate investing. By biting off more than you can chew, you can quickly become overwhelmed. Don’t let this happen to you! 

Having too many projects can cost you more

By taking on too many projects at once, you can slow down the process entirely. From multiple property costs to paying contractors, investors can get too big too fast. It is important to “err on the side of caution” to prevent the “finance crunch” that often occurs. So, slow down, be realistic, and limit your losses.

Don’t focus on the unicorns.  

While there are some people who are unicorns and able to juggle multiple properties at once, they do not make up the majority of investors. The rest of us have to play by the rules and work hard in order to make money on our real estate investments. It is important to be aware of your own strengths and weaknesses throughout the process so that you can set yourself up for success. 

Limit your losses

You don’t want to get into your first property and lose $40K! In order to move onto the next property, it is important that you make money on your investments. We have seen so many investors who have hit a wall because they didn’t understand escrow, the need for cash flow, or they are doing too many things. Prevent the stress and move at a pace that’s right for you.

We are here to help!

Remember, what you can do in a couple years is a lot more than what you can do in a few months. Take the time to do things correctly in order to create the generational wealth you want. This is only one of the 5 major roadblocks that can prevent you from being successful in real estate investing. Where do you start? We can help you get on the path to success! Contact us today to find out more.

 

Watch our most recent video to find out more about Investor Code Red: Doing Too Many Projects at Once.

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Real Estate Investing Tips: Getting 100% Financing

Today we are going to focus on one of the biggest questions real estate investors have, which is how they can get 100% financing. Here at The Cash Flow Company, we talk to an average of 20 to 25 investors a day. Many of them are facing a number of hurdles that are not only impacting them, but their investments as well. By looking at the patterns that we have seen over the years, it allows us to better meet the needs of our clients. How can you get 100% financing on your next investment property? Let’s take a closer look.

How do I get 100% financing?

Everyone wants to get into real estate investing with 100% financing. However, many of them wonder how can they get the money they need for their rental property or fix and flip. While there are some lenders who offer 100% financing, they will only do so if you have already done 1 or 2 deals. To put it another way, investors who have not had the experience yet, need other lending options immediately. Many traditional lenders will only lend 80% to 90%. Become a real Real Estate Investor by building your confidence to go ask people for the money you need for your investments. By finding good deals and demonstrating your confidence, the sky is the limit to your success.

First, HELOCS:

HELOC stands for home equity line of credit. A HELOC allows you to take money out of your property or a rental property. You can then use these funds to bridge the lending gap for your next investment.

Second, Real peoples money:

Real people are those within the community who are in search of better returns on their funds. There are a ton of people out there who have $20K to $100K to invest and are looking for better returns. 

Third, Start using creative financing today:

Creative financing includes business credit cards, which can be used to fund the rehab, staging, and even a Vrbo. However, it is important to keep in mind that the credit card needs to be a business credit card at 0%, otherwise it will not be beneficial to you or your investment needs. 

Fourth, What is stacking and how can it help you reach your financing needs?

The lending journey begins with your primary mortgage company who will give you 80% to 90% financing. As a result, investors must begin the search for additional financing options in order to get up to 100% financing. Gap funding options can actually include HELOCS, family friends, real peoples money, as well as establishing a partnership. 

Are you on the right path? 

Contact us today if you have any questions on how to get started in real estate investing! Do you have a property in mind? Send us the numbers and we will see if it is a good investment opportunity for you. Nowadays funding is a critical piece to real estate investors’ success, it is important that you know your numbers ahead of time to make things easier, cheaper, and faster. 

Watch our most recent video  to learn more Real Estate Investing Tips: Getting 100% Financing.

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2024 Real Estate Investing: Most Popular Questions Asked and Answered

Today we will be answering a few popular questions in real estate investing. On average, we talk to 20 to 25 investors a day. Many of them are facing a number of hurdles that are not only impacting them, but their investments as well. By looking at the patterns that we have seen over the years, it allows us to better meet the needs of our clients. What are the hurdles and how can you avoid them? Let’s take a closer look.

#1: How do I get 100% financing?

Everyone wants to get into real estate investing with 100% financing. How can they get the money they need for their rental property or fix and flip? While there are some lenders who offer 100% financing, they will only do so if you have already done 1 or 2 deals. For those who have not, it is important that they look into other options. If you are looking for 100% financing on a property it is important that you open up to other financing options other than traditional loans. Many traditional lenders will only lend 80% to 90%. Become a real Real Estate Investor by building your confidence to go ask people for the money you need for your investments. By finding good deals and demonstrating your confidence, the sky is the limit to your success.

HELOCS:

HELOC stands for home equity line of credit. A HELOC allows you to take money out of your property or a rental property. You can then use these funds to bridge the lending gap for your next investment.

Real peoples money:

Real people are those within the community who are in search of better returns on their funds. There are a ton of people out there who have $20K to $100K to invest and are looking for better returns. 

Start using creative financing:

Creative financing includes credit cards, which can be used to fund the rehab, staging, and even a Vrbo. However, it is important to keep in mind that the credit card needs to be a business credit card at 0% in order to be beneficial to you and your investment needs. 

What is stacking and how can it help you reach your financing needs?

The lending journey begins with your primary mortgage company who will give you 80% to 90% financing. This creates a funding gap that leaves you searching for additional financing options in order to get up to 100% financing. Gap funding options can include HELOCS, family friends, real peoples money, and even establishing a partnership. 

#2: Be prepared. 

Inflation is causing everything to become tighter and as a result it is harder to find financing for your investments. In order to be successful, investors need to be prepared before they go out and look for properties. This will give them a better chance of being approved for the lending that they need. Here at The Cash Flow Company we are searching  for deals where we can lend people money, get it back, and lend it back out again. What do you need to do to be prepared?

Valuation:

It is imperative that you have all of your numbers in line before talking to lenders. Keep in mind that wholesalers often stretch the value of the property. That is why it is important that you look at the numbers yourself to prevent frustration. When you are coming to lenders make sure that you know your values, know how appraisers look at properties, and make sure that your numbers are in line. These numbers include purchase, rehab, and rent. At the end of the day your goal is to create income and wealth. 

For example:

Someone reached out who is buying a single family house and he is going to make it into a two unit property. This single family property will sell for $200K. However, his belief was that the property will be worth $400K because he is splitting it into two properties. Unfortunately, that is not how the market works. 

#3: The future of real estate investing.

Many people wonder what the future of real estate investing is. How can they make money on buying rentals? Making money on rental properties right now is becoming a struggle because properties are $600K to $800K. While this is a concern for many investors, there are some options available to make investments more profitable. 

What is a padsplit?

A padsplit is when a property is divided into multiple single units. For example, a 3 bedroom could be divided into a 6 or 8 bedroom property. Just to clarify, each of the bedrooms would have a bathroom and all they would share is the kitchen space. Each unit could bring in a rental amount of $1,000, which could potentially total $6,000 to $8,000 per month depending on how many units you have. With an overall monthly rent of $3,500, the investor would have the cash flow they need to be successful. This method provides the flexibility and affordability that many people are looking for.

#4: Credit score obstacles.

Your credit score can often hinder your success in real estate investing. Over half of our calls are from people who have a score that is too low for them to get what they want. For example, we have a guy from Texas who is trying to get his property refinanced.  While the property is great and he has an amazing tenant, his credit score is too low for him to get the rate he needs to cash flow. By working on your credit scores and setting things up right, you can achieve the credit score you need to get what you want. 

Business credit cards.

Getting business credit cards is the #1 thing that will help you achieve your goals in real estate investing! Those who are able to get business charges off of their personal credit cards will in turn open up a lot of funding options. Struggles with credit scores is often the cause of people getting out of real estate investing. Don’t let this happen to you! 

Increasing your credit score quickly.

We have a lot of different options available to investors that will help them get their credit score back on track in a matter of weeks!

Usage loan

A usage loan is used to pay down credit cards by using a private loan. As a result of paying down the credit cards, it raises your credit score. By increasing your credit score it will then allow you to refinance and buy your next investment property.

Business credit cards

We can not stress enough how important business credit cards are! By setting up business credit cards instead of personal credit cards it will help to increase your funding options. The majority of business credit cards do not report your usage. Therefore they are not hurting your DTI or your credit score. Make the change today and see the effects it can have on your credit score! 

#5: Small steps vs Giant leaps

Oftentimes real estate investors make the process of getting started into such a big deal that their brain shuts off. As opposed to looking at one property a day, many attend a class that says that they need to purchase their first property within the first 30 days. This method is not always realistic for most people. Instead, you need to focus on the steps that stretch you a little bit as opposed to shutting you down. Consistency is the tortoise in real estate investing. By looking at one property a day and talking to one contractor a day, you will be better prepared to purchase your first investment property. Remember, it’s better to have 2 properties that are successful than to have 5 that are struggling.

Are you on the right path? 

Would you like to find out more about the popular questions in real estate investing? Contact us today! Do you have a property in mind? Send us the numbers and we will see if it is a good investment opportunity for you. Since funding is such a critical piece in real estate investors’ success, it is important that you know your numbers ahead of time to make things easier, cheaper, and faster. Also remember that by building your team now, you can set yourself up for the generational wealth that you want. 

Watch our most recent video 2024 Real Estate Investing: Most Popular Questions Asked and Answered to find out more.

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How Credit Affects Your Entire investment

Today we are going to explore how credit affects your entire investment. Here at The Cash Flow Company we have a magical solution that can easily solve this problem, which is the 911 usage loan! Our goal is to help people raise their score immediately so that they can get the loan they need. On average we see 7 out of 10 people struggle with a usage problem. As a result of the immense strain on their credit, investors are struggling with getting the funding they need. Don’t let your credit affect your entire investment. Let’s take a closer look!

Credit score struggles.

The percentage that is used on your credit card is referred to as the credit utilization rate. If you are above 30% usage on your credit cards, your  score  will begin to decrease. Investors who come in with a 640 or a 660 credit score often need to increase their score to 700. In doing so, they will be able to get either the LTV or rate they need to create cash flow. Nowadays rates are still in the 7’s or 8’s. That is why it is so important to get the best rate you can in order to maximize both your LTV and cash flow. 

Where do you get started?

The first thing that you need to do is run a simulation. We ask investors to do a simulation on MyFico, Credit Karma, or Experian to see how paying off a credit card will impact their credit score. We have seen people max out their credit cards at $3K, while others are maxed out at $175K. These maxed out credit cards are not only impacting their credit scores, but their DTI as well. To clarify, DTI stands for the debt to income ratio. 

For example: A client in Texas just went through a simulation and his credit score went up 100 points. He went from 653 to over 753 by simply paying off the credit cards that he had maxed out. 

High credit score means higher cash flow.

In the following example we are going to look at how credit scores can drastically impact your ability to qualify for a DSCR loan. Not only will a lower credit score increase your interest rate, but it will decrease the cash flow for your property as well. Remember, hurdle number one is making sure that both you and your property qualify for the loan. By taking 2 to 4 weeks to get the 911 usage loan, you will be able to not only buy the property, but you can then refinance it later on. This method also provides the opportunity for you to move over any remaining balances over to a business credit card.

Loan Type Property LTV of 80% Net Rent
DSCR $312K $250K $1,800
Credit Score Interest Rate Monthly Payment Can it Qualify?
680 8.8% $1,976 No
760 7.45% $1,740 Yes

Learn this magic trick today! 

Business credit cards are an excellent way to separate business expenses from your personal accounts. These credit cards are not only easy to get, but they also work the same as a personal credit card. By moving expenses over to business credit cards, it wipes the charges off of your personal credit completely. As a result, your credit score, cash flow, and ability to qualify will all increase. 

We are here to help!

Don’t let credit affect your entire investment! Here at The Cash Flow Company we are here to help you get on the right path. Contact us today to find out more about usage loans and how they can set you up for long term financing. To clarify, the usage loan is a private loan that does not show up on your credit for 60 to 90 days and won’t affect your DTI. Now is the time to set yourself up for success! 

Watch our most recent video to find out more about How Credit Affects Your Entire investment.

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