I'm going to show you four levers that you can pull to make these deals pencil even at

7% and why waiting for rates to drop is probably the worst move that you could make.

We'll get tactical on team setup, insurance traps, and the simplest way busy pros can go from

analysis paralysis to property in escrow in 30 days.

This is the epic real estate podcast.

Contrarian takes on money, housing, and policy without the guru nonsense.

Let's go, let's go, let's go, let's go, let's go, let's go.

Let's go.

Investor rates are 7.1 to 7.6% right now. Insurance costs are up 119% since 2020. So if your rentals are

feeling squeezed, it's not you. It's the math. The rates are up, insurance is up, and rents barely

moving. Busy W-2 earners, small landlords, first-time buyers, this is for you. As of today, the National 30-year fixed mortgage rate

is 6.61%. For investors, that's really 7.1 to 7.6%. Insurance here is the silent killer. Landlord premium

has jumped 20% in the last year. Now $2,100 to $4,000 annually for just a single rental.

Multi-family operators pay $65 per month. That's up from $30 before the pandemic.

In some markets, $150 per unit per month. This is why buy and hold feels so broken right now.

But it doesn't have to be. I'm going to show you four levers that you can pull to make these deals pencil even at 7%.

And why waiting for rates to drop is probably the worst move that you could make.

So lever one, you've got to really rethink cash flow.

Yes, you want positive or break even for sure.

But cash flow is only one cylinder in the four cylinder engine.

You've got cash flow. You've got amortization. You've got the tax benefits and you've got

appreciation. If you focus on one, you stall. If you use all four, you move forward, even at

...