

Get ready for the latest updates on loan rates that will empower you to make informed decisions in the dynamic world of real estate financing.
No matter if you’re a homeowner, a first-time buyer, or a savvy real estate investor, staying up-to-date with current loan rates is essential. In this week’s update, we turn our focus to rates specifically tailored for primary residences in California, featuring a 20% down payment, $500,000 purchase price, a 30-year fixed term, LPC. The DSCR rate is tailored for an investment in California, featuring a 20% down payment, a 30-year-fixed-term, BPC. Are you ready to dive into the details? Let’s explore the rates for conventional, FHA, VA, and DSCR Investment loans, providing you with the insights you need to navigate the financing landscape effectively.
Conventional: 7.125%
FHA: 6.125%
VA: 6.125%
DSCR Investment: 7.625%
If you’re in the market for a loan and need assistance, our team at The One Brokerage is here to help. Visit our website here to explore our loan options and find the right financing solution for your real estate goals and email us at intake@theonebrokerage.com to speak to one of our loan officers.

There’s a noticeable shift—a growing hostility towards real estate investors. When selecting your location, it’s wise to ponder: Are the demographics and politics of the area conducive to real estate investment, or is there a sentiment that investors are driving up housing costs, making it less affordable for others?
This dynamic, not as prevalent in the past, is now crucial to consider, especially if you plan to turn your primary residence into a rental. The landscape is evolving, and being mindful of the community’s stance on real estate investment can be a key factor in your decision-making process. Food for thought as you navigate the ever-changing real estate terrain!

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Let’s challenge the assumption that 20% down is the only path to cash flow in real estate. Often, we analyze a deal, find it doesn’t work at 20% down, and conclude there’s no cash flow. Not true!
Here’s the scoop: If you have more funds to invest, you can still achieve cash flow. The catch? Your ROI may be smaller due to the greater capital invested. It’s not an additional risk; it’s a nuanced strategy.
So, why the continuous emphasis on saving and increasing income? Because having more money expands your options. In both prosperous and average real estate markets, we shouldn’t only focus on acquisition strategies. In my book, “Pillars of Wealth,” I delve into the importance of defense and offense – key elements for success, especially when real estate is just doing okay.
Remember, wealth building is a multifaceted game. Don’t limit yourself to one strategy; diversify and thrive in any market condition!

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