The Best Real Estate Loans You DON’T Know About

BiggerPockets Real Estate Podcast

BiggerPockets

Education, Business, Investing

4.8 • 16.5K Ratings

🗓️ 20 August 2025

⏱️ 41 minutes

🔗️ Recording | iTunes | RSS

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Summary

These investment property loans can get you a 4% interest rate, a lower monthly payment, or require very little cash at closing. They’re still available in 2025, but most real estate investors are unaware of them. We’ve used these exact strategies on our rental properties in the past, and with rates trending lower, this could be an even better time to take advantage. We’re giving you the full details in this 2025 rental property financing guide! Low credit score or high debt-to-income? You can still invest, but you’ll need to do it wisely. Jeff Welgan is here to help. Jeff is one of our trusted investor-friendly lenders, meaning he’s used to working with rental property investors, not your standard homebuyer who buys a house every thirty years. Jeff is on the inside of the mortgage industry, meaning he knows loans that beginner investors rarely ever hear about. Today, we’re talking about the real estate loans you wish you knew about, mortgage rate predictions and how low interest rates could go by the end of 2025 (Dave and Jeff even place a bet on it), the best beginner loans with little money down, and a sneaky way to snag a 4% interest rate while waiting for rates to get lower. See Jeff and Dave live at BPCON2025! In This Episode We Cover A lower monthly mortgage option most investors have no clue about The one rental property type that investors can get a 4% interest rate on Low credit score? Here’s how to get a mortgage even if you’re in the 500s How much money to put down on your first or next rental (and what it does to your rate) Best beginner real estate investing loans (and how to get 100% financing) Interest rate predictions and where Dave and Jeff think rates will be heading And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1163 Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	To buy rental properties, you need money. That's just the way it is, but it doesn't have to be your money.
0:06.3	And that's why almost all of us get mortgages and loans to grow our real estate portfolios.
0:11.9	But what if you only have limited savings, a poor credit score, an existing mortgage, or high debt to income?
0:18.8	Can you still finance your first or next rental? The answer is
0:22.4	absolutely yes. Today, I'm sharing the many ways that you can get financing for your investment
0:28.0	property, no matter what situation you're in or the money you have in the bank. Plus, I'll even
0:33.0	share a little trick that allows you to improve your cash flow. And this is a strategy I just used on my
0:40.0	most recent purchase 15 years into my investing career. And you can use it too.
0:50.0	Hey everyone. I'm Dave Meyer, head of real estate investing at Bigger Pockets. I've been buying
0:54.4	rental properties for more than 15 years, and on this podcast, we help you achieve financial
0:59.4	freedom with real estate. Today on the show, we're joined by Jeff Welgin. Jeff is a lender
1:05.3	based in Los Angeles who specializes in working with real estate investors. Jeff was last on the show in April
1:11.8	2024, but the housing market is in a very different place now from where it was a year and a
1:17.8	half ago. And as an investor, that means you need to adjust your strategy when it comes to
1:23.4	leverage and financing. So Jeff is going to tell us about some options you may not have heard about that maybe the
1:29.6	difference between making a deal pencil and walking away.
1:32.8	Jeff, welcome back to the Bigger Pockets podcast.
1:35.2	Thanks for being here.
1:36.0	Yeah, thanks for having me back, Dave.
1:37.5	It's a pleasure to have you here.
1:39.3	Well, this is a really interesting time to look for financing in the housing market. So maybe you could just
1:45.3	start by giving us an overview of the landscape for financing right now. I'll tell you,
	...

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