TBT: Ask Marco - How Can I Better Manage My Property Taxes?

Passive Real Estate Investing

Real Estate Investing with Marco Santarelli, Investor and Entrepreneur.

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

4.6 • 968 Ratings

🗓️ 29 January 2026

⏱️ 8 minutes

🔗️ Recording | iTunes | RSS

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Summary

Click Here for the Show Notes In today’s episode, Marco answers a listener question from Rose, a newer real estate investor navigating the frustrations of escrow shortages and surprise payment demands. After purchasing a three-unit property in Massachusetts, Rose wonders whether it’s worth managing property taxes on her own or sticking with lender-managed escrow accounts. Marco breaks down how escrow works, why lenders strongly prefer it, and how PITI payments simplify long-term property management. He also tackles the common concern of “interest-free money” sitting with the mortgage company, weighing the real opportunity cost against the value of time, simplicity, and scalability—especially as an investor grows from one property to many. If you’ve ever been confused or frustrated by escrow, this episode will bring clarity—listen now, subscribe for more real-world investing insights, and send in your own questions to be featured on a future episode. 🎙️ -------------------------------- 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Throwback Series and may include references to older content such as web classes, events, promotions, or links that are no longer active or available. While the conversation and insights still hold value, please note that some information may be outdated.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 TBT: Ask Marco - How to Invest When You're a Nomad? 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 substantial passive income while creating wealth for the long term. And now, here's your host, Marco Santorelli.
0:13.0	Hello, my friends. Welcome back to passive real estate investing, where we dive into the world of real estate investing, among other related topics, to help you with your real estate investing journey.
0:23.8	Today, we're doing something a little different.
0:26.5	We're going to take a trip down memory lane and showcase an important episode from the past on what we call our throwback Thursday episode.
0:34.9	Now, whether you've been with us since the beginning, which goes back to 2015,
0:39.1	or you're tuning in for the first time, this episode is a must listen. We are revisiting one of our
0:45.8	more popular episodes from the past. And believe me, what we discussed back then, whether
0:51.0	it's six months ago or six years ago, is just as relevant today. So sit back,
0:56.8	relax, and let's rewind the clock for this great episode. Enjoy. Today's question comes from Rose,
1:03.7	and she says, Hi, Marco, I've been a subscriber for over a year and love your podcast. Thank you.
1:08.7	I was hoping you can answer my escrow-related question.
1:11.8	I am a relatively new investor, one and a half years. I bought a three-unit property in Massachusetts
1:17.3	in April 2019. Four months ago, the loan servicer sent me an annual escrow analysis with the
1:23.6	projected shortage that I paid. Today, I've received another letter demanding another
1:28.2	check. Basically, every time I manage to accumulate some cash, I have to give it interest-free
1:33.3	to the mortgage company. Question, is it even worth it to try to handle the property tax payments
1:39.9	on my own? If that path is not worth exploring, what can I do on my end to better manage the escrow?
1:47.0	Thank you in advance, and please stay safe. Sincerely, Rose, Rose, thank you for the question.
1:52.3	Okay, you've got a simple question, and I'll give you a simple answer.
1:56.4	The best way to manage your property taxes, in my opinion, and probably in the opinion of many
2:03.8	other real estate investors, is simply this. Most, if not all lenders, offer and actually
2:10.6	encourage you to use their escrow services so they collect the property taxes and the property insurance for the property
	...

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