594: BiggerPockets Podcast 594: Seeing Greene: FHA Loans, Cash Flow Shrinkage, & Bidding $200k Over Asking
BiggerPockets Real Estate Podcast
BiggerPockets
4.8 • 16.5K Ratings
🗓️ 10 April 2022
⏱️ 60 minutes
🧾️ Download transcript
Summary
Inflation and cash flow have been fighting against each other for decades. As soon as you increase the rent on an income property, inflation comes right in to eat some of that gain. So in today’s borderline hyperinflationary environment, is cash flow still coming out on top? A better question to ask may be, what happens in five, ten, or twenty years? Will inflation completely erode your financial freedom dreams? Or will cash flow match (or beat) this destructive force.
This isn’t just a question that impacts real estate investors—it affects almost every individual working within today’s economy. In today’s episode of Seeing Greene, David goes deep into this question (and others) so you, the investors, can have a better understanding of our economy as a whole. You’ll also hear topics like whether or not you can transfer title on an FHA loan, what to do when bidding wars push prices well above market comparables, when to cosign and when to ask for a cosigner, and what every investor in their twenties should start doing today.
Heard a topic that you wanted more explanation on? Want to ask David a question you’ve never heard before? If so, submit your question here so David can answer it on the next episode of Seeing Greene. Hop on the BiggerPockets forums and ask other investors their take, or follow David on Instagram to see when he’s going live so you can hop on a live Q&A and get your question answered on the spot!
In This Episode We Cover:
How spending power changes the way investors calculate cash flow
Transferring title from your personal name into an LLC with an FHA loan
How to know a house is “worth it” and what to look for in a loan officer
Cosigning for a relative to house hack and staying up-to-code with owner-occupied loans
Pivoting markets from a cash flow market to an appreciation market
David’s advice to every young, aspiring real estate investor
And So Much More!
Links from the Show
Submit Your Questions to David Greene
BiggerPockets Podcast 567: Seeing Greene: Finding Cash Flow, Refinancing Sooner, & NNN Properties
BiggerPockets Podcast 570: Seeing Greene: Signs of a Great Agent, When to Refi, and How to Scale
BiggerPockets Podcast 571: Is This Deal Worth My Time? The 6 Crucial Steps to Vet a Multifamily Sea
BiggerPockets Podcast 588: Seeing Greene: Climate Change, ADU Dilemmas, & Retiring with Rentals
BiggerPockets Podcast 591: Seeing Greene: The Cash Flow Market “Mirage” That Traps New Investors
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Transcript
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| 0:00.0 | This is the bigger pockets podcast show five ninety four. |
| 0:04.8 | Focus on what you learn way more than what you earn. |
| 0:07.5 | Okay. |
| 0:08.2 | I don't think you should work your life away. |
| 0:10.4 | I do think you should work your twenties away. |
| 0:12.6 | Years twenty through thirty, you need to go gangbusters and give it everything you |
| 0:16.3 | have and work as hard as you can. |
| 0:17.6 | And then in your thirties, you will be making incredibly good income based on what you |
| 0:21.0 | learn. |
| 0:26.1 | What's going on, everyone? |
| 0:27.2 | It is David Green, your host of the bigger pockets real estate podcasts here today with |
| 0:32.1 | a special seeing green edition, as you can tell from this green light. |
| 0:37.2 | If you are here because you want to build financial independence through real |
| 0:40.4 | state, you are in the right place. |
| 0:43.3 | Here at bigger pockets, our goal is to help you do just that. |
| 0:46.6 | This is a community of over two million people that are all focused on the same |
| 0:50.5 | journey as you, giving themselves a better life, adding to their freedom and |
| 0:53.6 | finding financial independence, specifically through using real estate as a |
| 0:56.8 | tool of choice to do it. |
| 0:58.2 | We help you by bringing on different people who have walked this journey before |
| 1:01.4 | you. |
| 1:02.6 | Experts in certain niches and strategies that will teach you what they do, people |
... |
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