The Real Estate Guys Radio Show - Real Estate Investing Education for Effective Action Ask The Guys – Interest Rates, Shared Housing, Self-Storage and Proper Legal Structures for Holding Property
Oct 6, 2025
This episode dives into the intricacies of today’s mortgage rates and how Fed policies impact them. It offers strategies for navigating rental property investments amidst high rates. Learn about the pros and cons of setting up LLCs for property holdings and how to manage them effectively. The conversation also touches on the growing opportunities in shared housing and self-storage, as well as how to tackle zoning laws for ADUs. Valuable insights and practical advice flow throughout, empowering listeners to make informed real estate decisions.
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Mortgage Rates Aren't Just The Fed
- Mortgage rates reflect many influences beyond the Fed's target rate, including the yield curve and lender pricing.
- A Fed cut often nudges mortgage rates down, but not always or uniformly across loan types.
Commercial Loans Carry Big Prepay Costs
- Commercial loans (5+ units) differ significantly from residential loans in prepayment flexibility and penalties.
- Commercial lenders expect longer commitment durations and may impose defeasance or yield penalties for early payoff.
Account For Amortization When Refinancing
- When considering refinancing, factor amortization progress, not just rate differences and monthly payment changes.
- Remember refinancing restarts amortization and can delay principal paydown substantially.
