720: Seeing Greene: Why Interest Rates Don’t Matter As Much as You Think
BiggerPockets Real Estate Podcast
BiggerPockets
4.8 • 16.5K Ratings
🗓️ 29 January 2023
⏱️ 55 minutes
🧾️ Download transcript
Summary
How important are mortgage rates to real estate investing? Should I take out as much depreciation as possible to lower my taxes? And what should I do when my DTI (debt-to-income) ratio is too high? You’ve got the questions, and David Greene has the answers! On this episode of Seeing Greene, David goes high-level, getting into the topics like real estate tax benefits, return on equity (ROE), and why loans and leverage are riskier than most rookies think!
We’ve got questions from house hackers, BRRRRers, multifamily and commercial investors, and more on this week’s Seeing Greene. First, we hear from a college student trying to house hack in an expensive housing market. Then, a family who has outgrown their space and wants to use creative financing to buy their next primary residence. And finally, a mother concerned that real estate investing could affect her children’s stability. Don’t know what you’d do in these situations? Then, stick around! David’s got the answers!
Want to ask David a question? 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 to house hack even in a high-priced housing market
BRRRRing into a higher interest rate and when it makes sense to cash out
Creative financing strategies and whether or not they’re worth using for residential real estate
Margin loans and when it makes sense to take out leverage from your stock portfolio
ROI (return on investment) vs. ROE (return on equity) and how to value a primary turned rental property
House hacking’s effect on family life and when moving isn’t worth the money
Bonus depreciation explained and the short-term gain, and long-term pain of big tax deductions
And So Much More!
Links from the Show
Find an Investor-Friendly Real Estate Agent
Listen to All Your Favorite BiggerPockets Podcasts in One Place
Learn About Real Estate, The Housing Market, and Money Management with The BiggerPockets Podcasts
Get More Deals Done with The BiggerPockets Investing Tools
Find a BiggerPockets Real Estate Meetup in Your Area
Understanding Rental Property Depreciation—A Real Estate Investor’s Guide
House Hacking 101—What It Is and How to Get Started
Your Debt-to-Income Ratio Can Make or Break Your Investing Career
Click here to check the full show notes: https://www.biggerpockets.com/blog/real-estate-720
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Transcript
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| 0:00.0 | This is the Bigger Pockets Podcast. |
| 0:02.0 | Show 7, 2, 0. |
| 0:05.0 | Leverages great is not great for everybody. |
| 0:07.0 | It's meant for people that understand how to use it. |
| 0:10.5 | There's a lot of things in life that are like this. |
| 0:13.0 | Cars are great, but we don't let nine-year-olds drive them. |
| 0:15.5 | We don't even let 25-year-olds drive them if they haven't passed a driver's safety course |
| 0:19.5 | and passed the test and understand the rules of the road. |
| 0:22.0 | You gotta earn the right to drive. |
| 0:23.5 | You gotta earn the right to play with fire, right? |
| 0:26.0 | There's people that use fire in their jobs. |
| 0:29.0 | There's welders. |
| 0:30.0 | There's different types of people that use heat to conduct certain things. |
| 0:33.0 | But you don't just give them the tool and let them go play with it right off the bat. |
| 0:36.0 | You gotta earn that right. |
| 0:37.0 | Leverage is very similar. |
| 0:39.0 | What's up everyone? |
| 0:40.0 | This is David Green, your host up, The Bigger Pockets Real Estate Podcast. |
| 0:43.0 | Here today with a seeing green episode for your viewing and listening pleasure. |
| 0:48.0 | If your listening is on a podcast, that's awesome. |
| 0:51.0 | I appreciate that. |
| 0:52.0 | But you can also check us out on YouTube if you want to see what I look like. |
... |
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