15% ROI, 5% down loans!”,”body”:”3.99% rate, 5% down! Access the BEST deals in the US at below market prices! Txt REI to 33777 “,”linkURL”:”https:\/\/www.renttoretirement.com\/?utm_source=biggerpockets&utm_medium=forum&utm_campaign=forum_ad_tracking”,”linkTitle”:”Contact Us Today!”,”id”:”65a6b25c5d4b6″,”impressionCount”:”794514″,”dailyImpressionCount”:”127″,”impressionLimit”:”1500000″,”dailyImpressionLimit”:”8476″,”r720x90″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/01\/720×90.jpg”,”r300x250″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/01\/300×250.jpg”,”r300x600″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/01\/300×600.jpg”,”r320x50″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/01\/320×50.jpg”,”r720x90Alt”:””,”r300x250Alt”:””,”r300x600Alt”:””,”r320x50Alt”:””},{“sponsor”:”Premier Property Management”,”description”:”Stress-Free Investments”,”imageURL”:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/02\/PPMG-Logo-2-1.png”,”imageAlt”:””,”title”:”Low Vacancy, High-Profit”,”body”:”With $2B in rental assets managed across 13 markets, we\u0027re the top choice for turnkey investors year after year.”,”linkURL”:”https:\/\/info.reination.com\/get-started-bp?utm_campaign=Bigger%20Pockets%20-%20Blog%20B[\u2026]24%7C&utm_source=Bigger%20Pockets&utm_term=Bigger%20Pockets”,”linkTitle”:”Schedule a Call Today”,”id”:”65d4be7b89ca4″,”impressionCount”:”563567″,”dailyImpressionCount”:”136″,”impressionLimit”:”878328″,”dailyImpressionLimit”:”2780″,”r720x90″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/08\/REI-Nation-X-BP-Blog-Ad-720×90-1.png”,”r300x250″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/08\/REI-Nation-X-BP-Blog-Ad-300×250-1.png”,”r300x600″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/08\/REI-Nation-X-BP-Blog-Ad-300×600-1.png”,”r320x50″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/08\/REI-Nation-X-BP-Blog-Ad-320×50-1.png”,”r720x90Alt”:””,”r300x250Alt”:””,”r300x600Alt”:””,”r320x50Alt”:””},{“sponsor”:”Center Street Lending”,”description”:””,”imageURL”:null,”imageAlt”:null,”title”:””,”body”:””,”linkURL”:”https:\/\/centerstreetlending.com\/bp\/”,”linkTitle”:””,”id”:”664ce210d4154″,”impressionCount”:”294941″,”dailyImpressionCount”:”136″,”impressionLimit”:”600000″,”dailyImpressionLimit”:”2655″,”r720x90″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/05\/CSL_Blog-Ad_720x90-1.png”,”r300x250″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/05\/CSL_Blog-Ad_300x250-2.png”,”r300x600″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/05\/CSL_Blog-Ad_300x600-2.png”,”r320x50″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/05\/CSL_Blog-Ad_320x50.png”,”r720x90Alt”:””,”r300x250Alt”:””,”r300x600Alt”:””,”r320x50Alt”:””},{“sponsor”:”CV3 Financial”,”description”:””,”imageURL”:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/07\/Logo-512×512-1.png”,”imageAlt”:””,”title”:””,”body”:””,”linkURL”:”https:\/\/cv3financial.com\/financing-biggerpockets\/?utm_source=biggerpockets&utm_medium=website&utm_campaign=august&utm_term=bridge&utm_content=banner”,”linkTitle”:””,”id”:”66a7f395244ed”,”impressionCount”:”114712″,”dailyImpressionCount”:”108″,”impressionLimit”:”636364″,”dailyImpressionLimit”:”4187″,”r720x90″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/07\/CV3-720×90-1.png”,”r300x250″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/07\/CV3-300×250-1.png”,”r300x600″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/07\/CV3-300×600-1.png”,”r320x50″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/07\/CV3-320×50-1.png”,”r720x90Alt”:””,”r300x250Alt”:””,”r300x600Alt”:””,”r320x50Alt”:””},{“sponsor”:”Baselane”,”description”:”Ad copy A”,”imageURL”:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/09\/SquareLogo-MidnightOnWhite-1.png”,”imageAlt”:””,”title”:””,”body”:””,”linkURL”:”https:\/\/www.baselane.com\/lp\/bigger-pockets?utm_source=partner_biggerpockets&utm_medium=Content&utm_campaign=bp_blog_ad&utm_term=rebranded_v1″,”linkTitle”:””,”id”:”66b39df6e6623″,”impressionCount”:”97963″,”dailyImpressionCount”:”106″,”impressionLimit”:”250000″,”dailyImpressionLimit”:”1713″,”r720x90″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/10\/720×90.png”,”r300x250″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/10\/300×250.png”,”r300x600″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/10\/300×600.png”,”r320x50″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/10\/320×50.png”,”r720x90Alt”:””,”r300x250Alt”:””,”r300x600Alt”:””,”r320x50Alt”:””},{“sponsor”:”Baselane”,”description”:”Ad copy B”,”imageURL”:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/09\/SquareLogo-MidnightOnWhite-1.png”,”imageAlt”:””,”title”:””,”body”:””,”linkURL”:”https:\/\/www.baselane.com\/lp\/bigger-pockets?utm_source=partner_biggerpockets&utm_medium=Content&utm_campaign=bp_blog_ad&utm_term=rebranded_v2″,”linkTitle”:””,”id”:”66b39df70adac”,”impressionCount”:”106931″,”dailyImpressionCount”:”118″,”impressionLimit”:”250000″,”dailyImpressionLimit”:”1713″,”r720x90″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/10\/720×90-1.png”,”r300x250″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/10\/300×250-1.png”,”r300x600″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/10\/300×600-1.png”,”r320x50″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/10\/320×50-1.png”,”r720x90Alt”:””,”r300x250Alt”:””,”r300x600Alt”:””,”r320x50Alt”:””},{“sponsor”:””,”description”:””,”imageURL”:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/08\/REI-Nation-Logo.png”,”imageAlt”:””,”title”:””,”body”:””,”linkURL”:”https:\/\/hubs.ly\/Q02LzKH60″,”linkTitle”:””,”id”:”66c3686d52445″,”impressionCount”:”113658″,”dailyImpressionCount”:”151″,”impressionLimit”:”500000″,”dailyImpressionLimit”:”6173″,”r720x90″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/08\/REI-Nation-X-BP-Blog-Ad-720×90-1.png”,”r300x250″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/08\/REI-Nation-X-BP-Blog-Ad-300×250-1.png”,”r300x600″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/08\/REI-Nation-X-BP-Blog-Ad-300×600-1.png”,”r320x50″:”https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2024\/08\/REI-Nation-X-BP-Blog-Ad-320×50-1.png”,”r720x90Alt”:””,”r300x250Alt”:””,”r300x600Alt”:””,”r320x50Alt”:””}])”>
![]()
![]()
How much should your down payment for investment property be? Should you increase your down payment to maximize cash flow, or does putting all your financial eggs in one basket limit your ability to build and scale your real estate portfolio? Or should you instead pay off that high-interest-rate mortgage early to keep all the cash flow at the end of the month? We’re answering these questions in today’s Rookie Reply!
With high mortgage rates, one rookie asks whether it’s better to pay off their home with a seven percent rate INSTEAD of investing in more rentals. Paying off that loan gets you an automatic return, but there’s a strong argument as to why it isn’t the best move.
Are you doing your first house flip? Another rookie wonders whether they can negotiate when taking on a hard money loan and if the juice is worth the squeeze for a $50,000 profit on their first flip.
Looking to invest? Need answers? Ask your question on the BiggerPockets Forums!
Click here to listen on Apple Podcasts.
Listen to the Podcast Here
Read the Transcript Here
Help Us Out!
Help us reach new listeners on iTunes by leaving us a rating and review! It takes just 30 seconds and instructions can be found here. Thanks! We really appreciate it!
In This Episode We Cover:
- Investment property down payments and how much you should put down to prioritize cash flow
- Whether to keep investing or start paying off your high-interest-rate mortgages
- Why you can’t just look at the cash flow when analyzing a potential investment
- Financing a house flip and negotiating with a hard money lender (should you negotiate?)
- What you should ALWAYS do before you take on a house flip to ensure your numbers are right
- And So Much More!
Links from the Show
Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email [email protected].
Note By BiggerPockets: These are opinions written by the author and do not necessarily represent the opinions of BiggerPockets.
