TBT: Is It Wise to Buy Real Estate When Interest Rates are Rising?

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

🗓️ 2 April 2026

⏱️ 28 minutes

🔗️ Recording | iTunes | RSS

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Summary

Click Here for the Show Notes In this episode, we tackle a timely question from a listener: is it still wise to invest in real estate while interest rates are rising? The key takeaway is that rising rates alone shouldn’t deter you—what matters most is whether the deal itself makes financial sense. While borrowing costs have increased, today’s mortgage rates remain below long-term historical averages, and real estate continues to be a reliable wealth-building asset over time. The focus should always be on fundamentals: choosing the right market, evaluating the property’s condition, ensuring the numbers work, and surrounding yourself with the right team. Real estate is a long-term investment—early cash flow may be tighter, but rents and property values tend to increase, and refinancing later can improve returns. Plus, higher rates often push more people into renting, increasing demand for well-positioned investment properties. Ultimately, it’s not about timing the market, but about being prepared and acting when the right opportunity comes along. If you found this helpful, subscribe to the newsletter for weekly insights and strategies to grow your real estate portfolio. Have a question you’d like answered next? Send it in—you might be featured in an upcoming episode! -------------------------------- Throwback Thursday Episode (The episode originally took place in the year 2022) 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Throwback Series and may include references to older content such as web classes, events, promotions, or links that are no longer active or available. While the conversation and insights still hold value, please note that some information may be outdated.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: Financing Multiple Properties with Only One Salary 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.
0:12.7	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
0:20.9	with your real estate investing journey. Today, we're doing something a little different.
0:26.0	We're going to take a trip down memory lane and showcase an important episode from the past
0:30.6	on what we call our Throwback Thursday episode. Now, whether you've been with us since the
0:36.0	beginning, which goes back to 2015,
0:38.5	or you're tuning in for the first time, this episode is a must listen. We are revisiting one of our
0:45.1	more popular episodes from the past. And believe me, what we discussed back then,
0:50.0	whether it's six months ago or six years ago, is just as relevant today. So sit back, relax,
0:56.9	and let's rewind the clock for this great episode. Enjoy. Welcome to another episode of Ask Marco.
1:02.8	Well, sort of. Actually, what I did is I took a question that someone submitted just recently
1:08.6	and decided to do a full episode on it.
1:11.8	It won't be a long episode, but I thought it was a really good question because it's probably a
1:15.4	question that many people are asking themselves today, and that is, is it a wise idea to buy
1:20.8	real estate right now when interest rates are rising? And I thought, wow, you know what,
1:25.3	that's a good question. So the original question came in from John. He said, hi, is it wise to buy real estate or property now when interest rates are hiking in regards John? Well, let me take that question and expand on it because I think it's a good question to ponder. And I'm sure a lot of people have been pumping the brakes or backing off
1:45.0	of investing in real estate because they think it's getting too expensive to cover the financing.
1:50.2	Well, as a side note, just remember that it's not you that's paying the mortgage. You're not the one
1:55.6	paying down the debt. It's your tenant. So as long as the numbers make sense on your investment property,
2:01.9	if you've done your due diligence and the numbers make sense, they pan out, then by all
2:08.3	means, make that purchase, make the investment because over the long term, real estate will
2:13.3	pay for itself. Real estate will create wealth. Real estate will generate increasing amounts of
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