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…

Send us a Text Message. These episodes delve into the Gospel of Mark, the shortest of the four New Testament Gospels. Despite its brevity, Mark presents a rich and profound exploration of Christ's life and teachings, offering us three key insights. First, Mark portrays Jesus as God's divine Son, emphasizing his humanity and divinity. He presents Je…

A real testimony of God's practical and miraculous powerPar Strong Tower Casper

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…

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…

A real testimony of God's practical and miraculous powerPar Strong Tower Casper

A real testimony of God's practical and miraculous powerPar Strong Tower Casper

A real testimony of God's practical and miraculous powerPar Strong Tower Casper

A real testimony of God's practical and miraculous powerPar Strong Tower Casper

Send us a Text Message. These episodes delve into the Gospel of Mark, the shortest of the four New Testament Gospels. Despite its brevity, Mark presents a rich and profound exploration of Christ's life and teachings, offering us three key insights. First, Mark portrays Jesus as God's divine Son, emphasizing his humanity and divinity. He presents Je…

Send us a Text Message. These episodes delve into the Gospel of Mark, the shortest of the four New Testament Gospels. Despite its brevity, Mark presents a rich and profound exploration of Christ's life and teachings, offering us three key insights. First, Mark portrays Jesus as God's divine Son, emphasizing his humanity and divinity. He presents Je…

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 …

Send us a Text Message. These episodes delve into the Gospel of Mark, the shortest of the four New Testament Gospels. Despite its brevity, Mark presents a rich and profound exploration of Christ's life and teachings, offering us three key insights. First, Mark portrays Jesus as God's divine Son, emphasizing his humanity and divinity. He presents Je…

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…

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…

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, …

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…

Send us a Text Message. These episodes delve into the Gospel of Mark, the shortest of the four New Testament Gospels. Despite its brevity, Mark presents a rich and profound exploration of Christ's life and teachings, offering us three key insights. First, Mark portrays Jesus as God's divine Son, emphasizing his humanity and divinity. He presents Je…

Send us a Text Message. These episodes delve into the Gospel of Mark, the shortest of the four New Testament Gospels. Despite its brevity, Mark presents a rich and profound exploration of Christ's life and teachings, offering us three key insights. First, Mark portrays Jesus as God's divine Son, emphasizing his humanity and divinity. He presents Je…

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…

How to Analyze Buying a Rental Property at a Discount in Casper 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 test of…

Send us a Text Message. These episodes delve into the Gospel of Mark, the shortest of the four New Testament Gospels. Despite its brevity, Mark presents a rich and profound exploration of Christ's life and teachings, offering us three key insights. First, Mark portrays Jesus as God's divine Son, emphasizing his humanity and divinity. He presents Je…

Send us a Text Message. These episodes delve into the Gospel of Mark, the shortest of the four New Testament Gospels. Despite its brevity, Mark presents a rich and profound exploration of Christ's life and teachings, offering us three key insights. First, Mark portrays Jesus as God's divine Son, emphasizing his humanity and divinity. He presents Je…

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…

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 …

Send us a Text Message. These episodes delve into the Gospel of Mark, the shortest of the four New Testament Gospels. Despite its brevity, Mark presents a rich and profound exploration of Christ's life and teachings, offering us three key insights. First, Mark portrays Jesus as God's divine Son, emphasizing his humanity and divinity. He presents Je…

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…

Send us a Text Message. These episodes delve into the Gospel of Mark, the shortest of the four New Testament Gospels. Despite its brevity, Mark presents a rich and profound exploration of Christ's life and teachings, offering us three key insights. First, Mark portrays Jesus as God's divine Son, emphasizing his humanity and divinity. He presents Je…

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…

Send us a Text Message. These episodes delve into the Gospel of Mark, the shortest of the four New Testament Gospels. Despite its brevity, Mark presents a rich and profound exploration of Christ's life and teachings, offering us three key insights. First, Mark portrays Jesus as God's divine Son, emphasizing his humanity and divinity. He presents Je…

Send us a Text Message. These episodes delve into the Gospel of Mark, the shortest of the four New Testament Gospels. Despite its brevity, Mark presents a rich and profound exploration of Christ's life and teachings, offering us three key insights. First, Mark portrays Jesus as God's divine Son, emphasizing his humanity and divinity. He presents Je…

How to Analyze a New Construction Single-Family Home Property in Casper 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, James wi…

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…

Send us a Text Message. In these episodes, we delve into the Gospel of Mark, the shortest of the four New Testament Gospels. Despite its brevity, Mark presents a rich and profound exploration of Christ's life and teachings, offering us three key insights. First, Mark portrays Jesus as the divine Son of God, emphasizing both his humanity and divinit…

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…

Send us a Text Message. Spiritual disciplines are critical for spiritual transformation for a variety of reasons. First and foremost, they provide a framework or structure that facilitates consistent growth and maturation in our faith. This is vital because spiritual growth is not a one-time event but a continuous process. Practices such as prayer,…

Send us a Text Message. Spiritual disciplines are critical for spiritual transformation for a variety of reasons. First and foremost, they provide a framework or structure that facilitates consistent growth and maturation in our faith. This is vital because spiritual growth is not a one-time event but a continuous process. Practices such as prayer,…

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…

Warning - The Risk of Down Payment Size When Investing in Real Estate Life is full of risks. When we choose to invest, we choose to take on additional risks. If we invest in stocks, we choose to take on certain risks. When we choose to invest in bonds, we take on different risks. When we choose to invest in real estate, we choose to take on additio…

Send us a Text Message. Spiritual disciplines are critical for spiritual transformation for a variety of reasons. First and foremost, they provide a framework or structure that facilitates consistent growth and maturation in our faith. This is vital because spiritual growth is not a one-time event but a continuous process. Practices such as prayer,…

How to Analyze a 5% Down Single-Family Nomad™ Property in Casper Using the latest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™, we will walk through how to analyze a single-family home Nomad™ property with a 5% down payment. Learn how to analyze deals correctly and avoid buying cash flow vampires. Only buy the best deals t…

Send us a Text Message. Spiritual disciplines are critical for spiritual transformation for a variety of reasons. First and foremost, they provide a framework or structure that facilitates consistent growth and maturation in our faith. This is vital because spiritual growth is not a one-time event but a continuous process. Practices such as prayer,…

What Affects Your PMI Rate Lenders prefer that you put at least 20% down, but if you push hard enough, many will allow you to put less than 20% down if you're willing to purchase insurance to protect them in case you default. This insurance is called Private Mortgage Insurance. The cost of this insurance depends on several factors. Some are primary…

Send us a Text Message. Spiritual disciplines are critical for spiritual transformation for a variety of reasons. First and foremost, they provide a framework or structure that facilitates consistent growth and maturation in our faith. This is vital because spiritual growth is not a one-time event but a continuous process. Practices such as prayer,…

You're a real estate investor looking to acquire properties by saving up and putting 25% down. Should you buy an owner-occupied property first? What if that's more expensive than renting? Should you still do it? What if it means you'll be saving less for acquiring rentals by buying an owner-occupied property first? In this comparison class, we will…

Send us a Text Message. Spiritual disciplines are critical for spiritual transformation for a variety of reasons. First and foremost, they provide a framework or structure that facilitates consistent growth and maturation in our faith. This is vital because spiritual growth is not a one-time event but a continuous process. Practices such as prayer,…

Send us a Text Message. Spiritual disciplines are critical for spiritual transformation for a variety of reasons. First and foremost, they provide a framework or structure that facilitates consistent growth and maturation in our faith. This is vital because spiritual growth is not a one-time event but a continuous process. Practices such as prayer,…

Deal Alchemy™ - Lease-Options Different real estate investors desire, prefer, and prioritize different returns. For example, many real estate investors have a strong preference for the cash flow part of their return. With Deal Alchemy™, we can manipulate returns and move them from one area to another. Or, we can move them from one or more areas to …

Send us a Text Message. We will explore the letter to the Ephesian Church this fall. We use the CSB translation when we read scripture. We hope you enjoy our discussion. Casper Alliance Church is committed to fighting forward through hope in Jesus Christ. We value meaningful relationships and hard work and expect more from God in our lives. If you …

Warning - Insurable Risks When Investing in Real Estate Life has risks. Real estate investing in Casper adds some additional risks. Some of these risks can be shifted from your responsibility to the responsibility of a third party for a fee. This is often described as insurance. You choose to pay someone else to take on a risk you don't want to tak…