TBT: Ask Marco - Buying Turnkey Properties With a 15-Year Mortgage?

Passive Real Estate Investing

Real Estate Investing with Marco Santarelli, Investor and Entrepreneur.

Business:investing, Education, Entrepreneurship, How To, Investing, Business

4.8 • 953 Ratings

🗓️ 25 September 2025

⏱️ 10 minutes

🔗️ Recording | iTunes | RSS

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Summary

Click Here for the Show Notes In this episode, we explore a common question from a real estate investor nearing retirement: Does it make sense to use home equity to purchase turnkey rental properties with a larger down payment and a shorter mortgage term? We break down the numbers across different financing scenarios—20% vs. 40% down, 15-year vs. 30-year mortgages—and how each impacts monthly cash flow, cash-on-cash return, and long-term wealth building. Whether you're investing for income, growth, or legacy, this episode will help you align your strategy with your financial goals. 👉 Tune in now and discover which path could maximize your returns and secure your financial future! Connect with one of our experienced investment counselors. -------------------------------- Throwback Thursday Episode (The episode originally took place in the year 2020) This episode is part of our Throwback Series and may include references to older content such as webclasses, events, promotions, or links that are no longer active or available. While the conversation and insights still hold value, please note that some information may be outdated. -------------------------------- If you missed our last episode, be sure to listen to How Lenders Get the Short End of the Stick Download your FREE copy of: The Ultimate Guide to Passive Real Estate Investing. See our available Turnkey Cash-Flow Rental Properties. Our team of Investment Counselors has much more inventory available than what you see on our website. Contact us today for more deals.

Transcript

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0:00.0	Welcome to passive real estate investing, the show where busy people like you learn how to build
0:05.7	substantial passive income while creating wealth for the long term. And now, here's your host, Marco
0:11.7	Santorelli. Hello, my friends. Welcome back to passive real estate investing, where we dive into the
0:17.5	world of real estate investing, among other related topics to help you with your
0:21.1	real estate investing journey. Today, we're doing something a little different. We're going to
0:26.6	take a trip down memory lane and showcase an important episode from the past on what we call
0:31.3	our throwback Thursday episode. Now, whether you've been with us since the beginning, which
0:36.5	goes back to 2015, or you're
0:39.1	tuning in for the first time, this episode is a must listen. We are revisiting one of our more
0:45.3	popular episodes from the past. And believe me, what we discussed back then, whether it's six
0:50.8	months ago or six years ago, is just as relevant today. So sit back,
0:56.0	relax, and let's rewind the clock for this great episode. Enjoy. Today's question comes from Jim,
1:02.5	and Jim says, hi, Marco, I'm one of your listeners in the Southern California market who has
1:07.0	benefited from equity appreciation on my primary residence. I'm considering refinancing to use this idle equity in cash flow markets.
1:15.7	As a 60-year-old, I'd like to accelerate the amortization on the newly purchased
1:19.8	turnkey property.
1:22.1	From a numbers perspective, would it ever make sense to purchase one of Noradus'
1:25.9	turnkey properties by putting down a greater
1:27.7	down payment, say 40%, and financing your investment over 15 years as a way of accelerating
1:34.3	amortization, Jim. Jim, good question, and thanks for sending that in. The first question, I guess,
1:41.5	you need to ask yourself, and what I would ask you is, what is your overall goal?
1:46.3	It sounds to me pretty clearly that cash flow is your primary focus here.
	...

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