TBT: Ask Marco - Investing Using Cash versus a HELOC (Line of Credit)

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

🗓️ 24 July 2025

⏱️ 14 minutes

🔗️ Recording | iTunes | RSS

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Summary

Click Here for the Show Notes When faced with the opportunity to invest in real estate, one key decision often comes up: Is it better to use cash on hand or tap into home equity through a HELOC? This episode dives into the pros and cons of both strategies. Using cash can provide simplicity, speed, and peace of mind—without monthly repayment obligations or exposure to rising interest rates. On the other hand, accessing equity through a HELOC offers flexibility and leverage, but also introduces debt service, rate variability, and risk that must be managed carefully. We explore how current market conditions, interest rate trends, and property performance in different markets can all impact the effectiveness of either approach. You'll also learn how strategic tools like the 1031 exchange can help preserve capital and build long-term wealth, regardless of which funding path you choose. If you're deciding between using equity or cash to fund your next move, don't make the decision in a vacuum. Speak with one of our expert investment counselors for a free consultation to help you map out the strategy that best fits your goals and financial situation. Contact Us to schedule your call today. And if you’re enjoying the podcast, don’t forget to subscribe and leave a review—it helps others discover the show and start their own investing journey. -------------------------------- Throwback Thursday Episode (The episode originally took place in the year 2024) 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Throwback Series and may include references to older content such as webclasses, events, promotions, or links that are no longer active or available. While the conversation and insights still hold value, please note that some information may be outdated.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 ONE Rental Property Paid for my Kid's College! 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
0:18.1	world of real estate investing, among other related topics, to help you
0:21.3	with your real estate investing journey. Today, we're doing something a little different.
0:26.4	We're going to take a trip down memory lane and showcase an important episode from the past
0:31.1	on what we call our Throwback Thursday episode. Now, whether you've been with us since the beginning,
0:36.8	which goes back to 2015,
0:39.0	or you're tuning in for the first time, this episode is a must listen. We are revisiting one of our
0:45.6	more popular episodes from the past. And believe me, what we discussed back then,
0:50.4	whether it's six months ago or six years ago, is just as relevant today. So sit back,
0:56.6	relax, and let's rewind the clock for this great episode. Enjoy. Thank you for joining me here
1:02.3	today. Another great question. Someone wrote in and asked me about investing using cash versus
1:09.3	using a helock, which is a home equity line of credit or just
1:13.2	simply a line of credit against your home or property. And the question came in from, well,
1:19.4	it's actually two people by the looks of it, Jay and Julie working together here. I'll just read
1:24.4	their email real quick and then address it.
1:28.9	So they write and say,
1:33.4	Hi, Marco, I love your podcast and actually bought my first property with Norata.
1:34.1	Well, thank you.
1:37.8	Thank you for all of your information, informative episodes.
1:38.7	I can't get enough.
	...

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