Real Estate Rookie

Real Estate vs. Stocks: Which Will Make You MORE Money? (Rookie Reply)

Feb 21, 2025

Mindy Jensen, co-host of the BiggerPockets Money Podcast and a seasoned real estate investor, joins the discussion on investment choices for 2025. The conversation dives into whether to prioritize real estate or stocks and reveals clever strategies to leverage both. They tackle how to build credit for mortgage approval and debunk myths surrounding credit repair companies. Mindy also emphasizes the necessity of having multiple exit strategies while navigating tricky investment situations. Tune in for practical tips and creativity in making your money work!

38:14

Episode guests

Mindy Jensen

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Episode notes

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Quick takeaways

Building credit effectively requires timely payments and low credit utilization, as these significantly impact your credit score.

Investing in both real estate and stocks allows for greater financial flexibility and strategic exit options tailored to market conditions.

Deep dives

Understanding Credit Repair

Repairing credit is a time-intensive process that requires a consistent pattern of on-time payments over a significant period. Payment history constitutes a substantial portion of the credit score, making it crucial to always pay bills timely. Individuals like Ricky should approach reputable credit repair agencies, such as CreditSaint.com, while being cautious of fraudulent services. Maintaining low credit utilization, ideally below 30%, and keeping older credit accounts open can further enhance one's credit profile.

Intro

2min

Understanding Credit Scores and Mortgage Qualification

4min

Navigating Real Estate Investments

11min

Preparing Financially for Homeownership and Real Estate Investments

4min

Navigating Real Estate Investment Strategies

14min

Navigating Financial Challenges in Real Estate Investment

2min

Should you invest in real estate or stocks in 2025? What if you DON’T have to choose? Today, we’ll share how you can have the best of both worlds with strategies you’ve probably never heard about!

Welcome back to another Rookie Reply! Today, Ashley and guest cohost Mindy Jensen are answering more of your recent questions. First, what’s the best way to build credit so you can qualify for a mortgage? We’ll debate the legitimacy of credit repair companies and provide some crucial tips for raising your credit score.

Next, we’ll not only settle the real estate versus stocks debate but also show you some of the best ways to invest in both! Finally, sometimes deals go south, but this is why you need to have multiple investing strategies up your sleeve. We’ll get creative and help an investor get out of a sticky situation!

Looking to invest? Need answers? Ask your question here!

In This Episode We Cover:

Whether you should invest in real estate or the stock market in 2025

Leveraging your brokerage and retirement accounts to buy a rental property

The five factors that make up your credit score (and steps to improve them!)

The BEST financing options for those with less-than-perfect credit

Why you must have multiple exit strategies for your investment property

And So Much More!

Links from the Show

Ashley's BiggerPockets Profile

Tony's BiggerPockets Profile

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