Telling the truth and not holding back on them facts about what goes down in Life as madres, educators and travelers!
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Learn all about investing in real estate in Chula Vista, California with a combination of real estate financial planning and modeling with numbers specific to Chula Vista plus syndicated, more generalized recordings of live and pre-recorded real estate investing classes (not all specific to Chula Vista).
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Welcome to the Chula Salinas podcast, where amazing things happen.
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How Return on Investment Changes Based on How You Pay PMI
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29:26
If you're going to put less than 20% down when buying a property, the lender is likely to require that you pay private mortgage insurance (PMI) to protect them in case you default on the loan. This usually applies to Nomads™, house hackers, and investors putting 15% down to acquire non-owner-occupant properties. There are 3 ways to pay PMI: Monthly…
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Class in Session: Protect our Children
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In this episode we are talking about the recent events that have occured in our country, more specifically the school shooting that just happened in GA one week ago. Everyone has their own opinion, in this episode, we give ours! Support the showAutor: True Chulas
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Weren't you always told as a kid that your parents ain't your friend? Do you think as a parent it is ok to be besties with your child? There needs to be boundaries and respect, do you have that when your "best friends?" Support the showAutor: True Chulas
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Warning - Risks of Interest Rates Rising When Investing in Real Estate
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47:19
There's a risk to just about everything in life... including investing in real estate. One risk that some real estate investors fear is that rising mortgage interest rates will: Increase their mortgage payment and therefore hurt cash flow, or The rising mortgage interest rates will lower affordability and demand for properties, and therefore the va…
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Welcome our newest Chulo! How stubborn are you? Is it worth being right than having your partner be happy? When is it essential to compromise? Should you always have to give in? Support the showAutor: True Chulas
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Warning - Risks of Tenants Trashing Properties When Investing in Real Estate
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In this special class about the dangers, risks and warnings of investing in real estate: The #1 fear that keeps potential landlords and new real estate investors up at night! Expert insights on why this fear is more common among inexperienced landlords and investors in challenging real estate markets. Real-life horror stories of tenants causing sig…
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Parents- y'all ready to send your kids back to school? Yeah- now you how teachers feel at the end of the school year! WE BACK with pointless PD, endless trainings and not enough time to get ready for students back in the classroom! Support the showAutor: True Chulas
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How to Analyze an All-Cash Rental Property Purchase
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Interested in learning how to analyze deals using The World's Greatest Real Estate Deal Analysis Spreadsheet™? Specifically, do you need to know how to analyze a deal purchased with an interest-only loan? In this special deal analysis, you will: Discover the secret strategy for analyzing the purchase of a rental property with an interest-only loan …
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Haunted Houses or Hidden Treasures? Decoding Stigmatized Real Estate
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Life has risks. Investing adds new risks. Investing in real estate adds new risks specific to real estate investing. One risk that is unique to real estate investing is the risk of buying a stigmatized property or having a property become stigmatized while you own it. In this class, James will: Uncover hidden gems in the real estate market and turn…
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Real Estate Investing Through Massive Foreclosure Periods
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Real Estate Investing Through Massive Foreclosure Periods Join us for an exclusive episode of the REFP podcast, focusing on "Real Estate Investing Through Massive Foreclosure Periods." In this enlightening episode, you'll dive into the following insights: Discover the secret to making money during economic downturns, a strategy that can set you apa…
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Deal Alchemy™ - Debt Paydown to Cash Flow
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Deal Alchemy™ - Debt Paydown to Cash Flow Join us for an exciting and enlightening class with James Orr as he delves into the fascinating world of Deal Alchemy™. In this class, listeners will discover a surprisingly powerful strategy that has the potential to drastically improve cash flow on rental properties. Whether you're considering buying a ne…
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Tax Deductibility of PMI Payments Are you an owner-occupant puzzled by the ever-changing rules around PMI (Private Mortgage Insurance) deductibility? Or perhaps an ambitious real estate investor, hungry to maximize your deductions and supercharge your profits? Then this class is your golden ticket to the world of tax wisdom! Join us for an exhilara…
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Functional Obsolescence Unveiled: The Silent Value Killer in Real Estate Investments—and How to Defeat It!
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Functional Obsolescence Unveiled: The Silent Value Killer in Real Estate Investments—and How to Defeat It! There's a often overlooked risk of investing in reale state: obsolescence. Whether we're focused on properties that are or will become functionally obsolete or drift directly into economic or physical obsolescence... these are real-world risks…
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How to Analyze an All-Cash Rental Property Purchase
1:08:51
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1:08:51
How to Analyze an All-Cash Rental Property Purchase Deal analysis is important. Learning how to analyze deals is a critical skill for all real estate investors, whether you're financing 100% of the purchase or buying a property without a loan at all and paying all cash. In this class, we will look at how deal analysis changes when you plan to buy a…
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How Return on Investment Changes Based on Credit Score With PMI
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How Return on Investment Changes Based on Credit Score With PMI Does your credit score really matter when you're buying rental properties? Sure, your credit score impacts the mortgage interest rate you can get with traditional mortgages. And yes, your credit score affects how much private mortgage insurance (PMI) will cost. Your credit score can al…
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Is It Better to Buy Rentals with 25% Down or All Cash After Buying an Owner-Occupant?
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So, are you stressing out over higher mortgage interest rates and properties not cash flowing as well as they used to, or in some markets, not having positive cash flow at all... even with 25% down? What's a real estate investor seeking financial independence to do? In this class, we will compare two strategies. In both strategies, you first buy an…
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The Impact of Buying Properties at a 5% Discount When Nomading™
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26:25
So, you're considering Nomading™. Excellent! But as you dig into the details, you may wonder what the impact would be if you chose to buy a more desirable, higher quality, but maybe less optimal property at full price (without a discount), versus focusing on finding a slightly less desirable, slightly lower quality, but slightly more optimized rent…
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Deal Alchemy™ - Black Box Cash Flow Deal Alchemy™ is all about manipulating returns to get the returns you desire most. One variation of Deal Alchemy™ has you think about your rental property investment as a black box. You put money into the black box, some magical things happen over the next few years and out pops profit which you can spend like c…
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Welcome Valentina and Fancy Nancy! Talking about their international travel experiences! Best and Worst Airports, layovers, etc. Support the showAutor: True Chulas
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Warning - Risks of Rental Demand Declining When Investing in Real Estate
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Warning - Risks of Rental Demand Declining When Investing in Real Estate Risk, risk, risk... Life is full of risks. To a limited degree, we get to choose which risks we voluntarily take on. For example, if you choose to invest in real estate, you choose to take on some additional risks that you might not—directly—face if you opt to invest in someth…
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@$$holes who take advantage of the system
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Do you know someone who has taken advantage of the system? People who find loopholes or go looking for them? These @$$holes ruin it for everyone! Support the showAutor: True Chulas
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Private Mortgage Insurance Myths Reputation can be a challenging thing. I have found, through many conversations with clients over the years, that Private Mortgage Insurance (PMI) has a questionable reputation with home buyers in general and investors in particular. However, much of its reputation is based on half-truths, bad information, lies, and…
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WHY- why are people in charge of schools sitting in their pretty offices instead of being in the classrooms? Who makes the rules? Professional Development - WHY? Ask the teachers what they want and what they need! Don't give them more $hit to do!!! Support the showAutor: True Chulas
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Warning - Risks of Neighborhood Decline When Investing in Real Estate
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Warning - Risks of Neighborhood Decline When Investing in Real Estate Everything in life has risks. Not investing adds certain types of risks, while investing adds other risks. One risk that some real estate investors face is the possibility that the neighborhood they're investing in will decline, causing values and/or rents to drop. So, how do we …
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Whatever she wants........ according to EARLE!
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Welcome EARLE! Earle gives us his MAN perspective on various topics that we pose to him. Support the showAutor: True Chulas
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How to Analyze a Duplex Some real estate investors are sensitive to their ability to get ten 30-year fixed rate financing loans and would prefer to fill those loan spots with larger purchases than just single family rental homes. One way to do that is to buy more expensive properties like duplexes, triplexes or fourplexes. In this class, James will…
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Do you love the neighbors you live next to? Have you had nightmare neighbor? As a neighbor you should be kind but also mind your own business! Support the showAutor: True Chulas
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How to Analyze Deals with Private Mortgage Insurance (PMI)
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How to Calculate PMI If you're a house hacker, Nomad™, investor buying properties with less than 20% down, or buying creatively where the seller has PMI, you'll want to make sure you know how to analyze deals that have Private Mortgage Insurance. In this mini-class, James will cover how to analyze deals that have PMI, with an emphasis on doing it u…
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Are we sharing $ or splitting? Till $ breaks us apart
42:53
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42:53
For sickness or for debt.. do you and your partner talk about money? Support the showAutor: True Chulas
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Is it Better to Pay Off Properties with Cash Flow or In Full When Nomading™?
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In many cases—not all, but many cases—real estate investors can speed up the time it takes to become financially independent by choosing to pay off the mortgages on their properties early. Sometimes it makes sense to take every extra dollar beyond a healthy amount of reserves and aggressively pay off properties as quickly as possible. Other times, …
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Class in Session: In the beginning.....same $hit, different state.
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40:05
What it is like to be a new teacher. What brand new teachers have to go thru and what they have to learn. Support the showAutor: True Chulas
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Deal Alchemy™ - Residential vs Commercial Property
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Deal Alchemy™ - Residential vs Commercial Property Deal Alchemy™ is all about manipulating the returns you're earning on your investments. Often, this is done through the choices we make when selecting the investment property and the strategies we choose to implement. For example, you could choose to invest in residential properties where your tena…
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Have you ever wanted your friend's significant other? Because you thought that person would be more compatible with you? Support the showAutor: True Chulas
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Warning - Risks of Loan Called Due When Investing in Real Estate
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Warning - Risks of Loan Called Due When Investing in Real Estate Investing in real estate adds some risk to an already risk-filled life. However, certain activities and strategies when investing in real estate create additional risks that other strategies and activities do not have. For example, choosing to utilize strategies where the lender has t…
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How to Analyze Buying a Rental Property at a Discount
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How to Analyze Buying a Rental Property at a Discount in Chula Vista Some real estate investors insist on only buying properties where they can purchase them at a significant discount. While not mutually exclusive, other investors insist on buying quality properties at a fair price as long as it gets them their desired returns and will stand the te…
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How many boundaries do you have in your life? Support the showAutor: True Chulas
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How to Calculate PMI If you're planning to buy a property and put less than 20% down, you're likely to be required to pay Private Mortgage Insurance. Lenders prefer that you put at least 20% down, but if you insist on putting less than 20% down, they may still make the loan. However, they will usually do so at a slightly higher mortgage interest ra…
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Our guest speaker -Caesar (primo)from Chicago talks about a co-worker that he cannot stand! Support the showAutor: True Chulas
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Is it Better to Buy Rentals with 20% Down or For All Cash After Buying an Owner-Occupant First?
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31:14
There are a large number of investing strategies you could pursue as a real estate investor: Nomad™, house hacking, fix and flip, buying 20% down rentals, buying 25% down rentals, saving up to buy free and clear rentals and many, many more options. Which is the best? Which gets you to financial independence fastest? Which gives you the highest net …
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Class in Session: What teacher should not have to do
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It is not a teachers job to educate your kid on relationship boundaries or personal hygiene. Parents need to parent. 1. Kids need to shower 2. Kids need to brush their teeth (OHHHH dragon breath is gross at 8 am!) 3. Kids need to keep their hands to themselves 4. Kids need to wear deodorant 5. Kids need to NOT date Support the show…
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Deal Alchemy™ - Increasing Down Payment
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20:00
Deal Alchemy™ - Increasing Down Payment There are four primary returns from investing in rental properties: appreciation, cash flow, debt paydown, and the tax benefits of depreciation. Additionally, there is a secondary return in the form of the interest earned on the reserves required to make the investment in the first place. Many real estate inv…
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Warning - Risks of Rental Property Expenses When Investing in Real Estate
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43:09
Warning - Risks of Rental Property Expenses When Investing in Real Estate Risk is all around us. When we choose to invest in anything, we’re choosing to take on the additional risk characteristics of that investment. For example, when we choose to invest in real estate, we choose to take on the risk characteristics of the specific real estate inves…
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Mickey is back to talk about her love life! She took back the one who got away! Listen to her personal growth and how she managed to find her beau! Support the showAutor: True Chulas
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How to Analyze a New Construction Single-Family Home Property
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How to Analyze a New Construction Single-Family Home Property in Chula Vista Your ability to analyze deals is arguably the most important skill as a real estate investor. It allows you to make smart investment decisions and helps you avoid making career-ending bad decisions, such as buying cash-flowing-sucking vampire properties. In this class, Jam…
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Let's talk about SEX! Enough said! Support the showAutor: True Chulas
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The 3 Strategies to Pay Private Mortgage Insurance (PMI) Whether they're putting 15% down and buying a non-owner-occupied property or utilizing an owner-occupied loan with 0%, 3%, 3.5%, or 5% down for Nomading™ or house hacking, some real estate investors will choose to put less than 20% down. With the decision to put less than 20% down comes the c…
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Thanks to Fancy Nancy, we answered more questions. Listen if you want to know! Support the showAutor: True Chulas
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Is It Better to Pay Off Rentals Early With Extra Cash Flow or Traditional Nomad™?
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31:17
Investing in real estate is full of truthy-sounding falsehoods: it is always better to do X than Y. However, if you were crazy enough to sit down and do the math, you'd find the truth to be much more nuanced. For example, should you take all your extra cash flow and savings and apply it to your mortgages each month to pay off rental properties fast…
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Our first Class in Session of the new season. We are talking about kids having sex in schools. Do you teach your kids about sex or are they getting their information from their SEX Education class at school? Support the showAutor: True Chulas
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Deal Alchemy™ - Cash Flow to Debt Paydown
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Deal Alchemy™ - Cash Flow to Debt Paydown There are four primary returns from investing in rental properties: appreciation, cash flow, debt paydown, and the tax benefits of depreciation. Additionally, there is a secondary return in the form of the interest earned on the reserves required to make the investment in the first place. Many real estate i…
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