Welcome in the investing in real estate show for this Monday August 3rd. I'm

Clayton Morris. This is a show where we help you become a more intelligent real estate investor,

and we do that by answering some of your questions directly on these Mondays.

We do this Q&A episode where you ask the question and we answer them.

So you can do that by going to Morris Invest.com slash Clayton.

That's how you can leave a voicemail message.

We'll have a link below.

In case you're driving, you don't remember that URL all it'll be in the description of your show notes for this episode

So our first question today is a good one. It comes from Brian and he has a question about cash flow and leverage.

Let's listen.

Hello, Clayton Natalie.

I'm an out-of-state investor living in Texas

and buying in Indianapolis,

with the focus on cash flow to replace my income

and retire at 56 and 7 years. In other words, I'm willing to sacrifice cash on cash return for higher cash flow.

Thanks to your online mentorship, many great books and a great team, I have taken action and I'm well ahead of

schedule acquiring seven properties with eight doors in the last two years. My question

is once a cash flow focused investor approaches the traditional agency debt limits like

number of loans or debt-to-income ratio. Should they transition to paying off those

mortgages aggressively to further increase the cash flow and decrease leverage or transition to more creative finance methods

and continue to grow the portfolio or the often quoted by until you dive on track.

Thank you very much.

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