How To Get The BEST Loan As A Real Estate Investor - Ep. 64
Release Date: 05/14/2025
Why Multifamily Real Estate Investors Lose Money - Ep. 81
The Tony Stephan Show
If youโre new to my channel, my name is Tony Stephan. Iโm the founder and chief operator of Tony Stephan Enterprises (coaching & consulting), Stephan Group Real Estate Brokerage, and Tony Pro Investments (a family office, which is just a formal way of saying we invest our own money into multifamily real estate) If this is your first time finding me, welcome!โฆHereโs a quick outline of how I got here and what this channel is about. 14 yrs old: My mother abruptly left our home, we filed chapter 7 bankruptcy, and had a few years of very hard times. 18 yrs old: I lost my mother....
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Small Multifamily With Massive Profit: $700K on 12 Units - Ep. 80
The Tony Stephan Show
If youโre new to my channel, my name is Tony Stephan. Iโm the founder and chief operator of Tony Stephan Enterprises (coaching & consulting), Stephan Group Real Estate Brokerage, and Tony Pro Investments (a family office, which is just a formal way of saying we invest our own money into multifamily real estate) If this is your first time finding me, welcome!โฆHereโs a quick outline of how I got here and what this channel is about. 14 yrs old: My mother abruptly left our home, we filed chapter 7 bankruptcy, and had a few years of very hard times. 18 yrs old: I lost my mother....
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How To Renegotiate And WIN During Multifamily Inspection Period - Ep. 79
The Tony Stephan Show
If youโre new to my channel, my name is Tony Stephan. Iโm the founder and chief operator of Tony Stephan Enterprises (coaching & consulting), Stephan Group Real Estate Brokerage, and Tony Pro Investments (a family office, which is just a formal way of saying we invest our own money into multifamily real estate) If this is your first time finding me, welcome!โฆHereโs a quick outline of how I got here and what this channel is about. 14 yrs old: My mother abruptly left our home, we filed chapter 7 bankruptcy, and had a few years of very hard times. 18 yrs old: I lost my mother....
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Multifamily Real Estate Is NOT About Cash Flow - Ep. 78
The Tony Stephan Show
If youโre new to my channel, my name is Tony Stephan. Iโm the founder and chief operator of Tony Stephan Enterprises (coaching & consulting), Stephan Group Real Estate Brokerage, and Tony Pro Investments (a family office, which is just a formal way of saying we invest our own money into multifamily real estate) If this is your first time finding me, welcome!โฆHereโs a quick outline of how I got here and what this channel is about. 14 yrs old: My mother abruptly left our home, we filed chapter 7 bankruptcy, and had a few years of very hard times. 18 yrs old: I lost my mother....
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THIS Is The Best Loan For Small Multifamily Investors (Full Breakdown) - Ep. 77
The Tony Stephan Show
If youโre new to my channel, my name is Tony Stephan. Iโm the founder and chief operator of Tony Stephan Enterprises (coaching & consulting), Stephan Group Real Estate Brokerage, and Tony Pro Investments (a family office, which is just a formal way of saying we invest our own money into multifamily real estate) If this is your first time finding me, welcome!โฆHereโs a quick outline of how I got here and what this channel is about. 14 yrs old: My mother abruptly left our home, we filed chapter 7 bankruptcy, and had a few years of very hard times. 18 yrs old: I lost my mother....
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My BIGGEST Struggles With Owning 257 Multifamily Units - Ep. 76
The Tony Stephan Show
If youโre new to my channel, my name is Tony Stephan. Iโm the founder and chief operator of Tony Stephan Enterprises (coaching & consulting), Stephan Group Real Estate Brokerage, and Tony Pro Investments (a family office, which is just a formal way of saying we invest our own money into multifamily real estate) If this is your first time finding me, welcome!โฆHereโs a quick outline of how I got here and what this channel is about. 14 yrs old: My mother abruptly left our home, we filed chapter 7 bankruptcy, and had a few years of very hard times. 18 yrs old: I lost...
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This NEW LAW Just Changed Multifamily Real Estate Investing Forever - Ep. 75
The Tony Stephan Show
If youโre new to my channel, my name is Tony Stephan. Iโm the founder and chief operator of Tony Stephan Enterprises (coaching & consulting), Stephan Group Real Estate Brokerage, and Tony Pro Investments (a family office, which is just a formal way of saying we invest our own money into multifamily real estate) If this is your first time finding me, welcome!โฆHereโs a quick outline of how I got here and what this channel is about. 14 yrs old: My mother abruptly left our home, we filed chapter 7 bankruptcy, and had a few years of very hard times. 18 yrs old: I lost...
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24-Year-Old Investor Buys His First 14-Unit Multifamily Apartment - Ep. 74
The Tony Stephan Show
If youโre new to my channel, my name is Tony Stephan. Iโm the founder and chief operator of Tony Stephan Enterprises (coaching & consulting), Stephan Group Real Estate Brokerage, and Tony Pro Investments (a family office, which is just a formal way of saying we invest our own money into multifamily real estate) If this is your first time finding me, welcome!โฆHereโs a quick outline of how I got here and what this channel is about. 14 yrs old: My mother abruptly left our home, we filed chapter 7 bankruptcy, and had a few years of very hard times. 18 yrs old: I lost...
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How Buying This 7 Unit Multifamily Apartment 4 Years Ago Changed My Life - 73
The Tony Stephan Show
If youโre new to my channel, my name is Tony Stephan. Iโm the founder and chief operator of Tony Stephan Enterprises (coaching & consulting), Stephan Group Real Estate Brokerage, and Tony Pro Investments (a family office, which is just a formal way of saying we invest our own money into multifamily real estate) If this is your first time finding me, welcome!โฆHereโs a quick outline of how I got here and what this channel is about. 14 yrs old: My mother abruptly left our home, we filed chapter 7 bankruptcy, and had a few years of very hard times. 18 yrs old: I lost...
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Buying My Next Multifamily Apartment Deal & 3 Lessons For You - Ep. 72
The Tony Stephan Show
If youโre new to my channel, my name is Tony Stephan. Iโm the founder and chief operator of Tony Stephan Enterprises (coaching & consulting), Stephan Group Real Estate Brokerage, and Tony Pro Investments (a family office, which is just a formal way of saying we invest our own money into multifamily real estate) If this is your first time finding me, welcome!โฆHereโs a quick outline of how I got here and what this channel is about. 14 yrs old: My mother abruptly left our home, we filed chapter 7 bankruptcy, and had a few years of very hard times. ...
info_outlineIn this video, Tony Stephan interviews one of his favorite mortgage brokers to gain her insights and industry secrets on obtaining the best loan as a real estate investor. The optimal loans for real estate investors depend on their investment strategy (e.g., fix-and-flip, buy-and-hold, commercial properties) and financial situation.
Here are the most common and effective loan options, with their key pros and cons:
Conventional Loans Best for: Buy-and-hold investors with good credit.
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Pros: Low interest rates. Long terms (15โ30 years).
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Cons: Strict credit and income requirements. Limited number of financed properties (usually up to 10).
Portfolio Loans Best for: Investors with multiple properties or complex financials.
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Pros: Flexible underwriting. Can finance multiple properties under one loan.
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Cons: Higher interest rates. Shorter terms than conventional loans.
DSCR Loans (Debt-Service Coverage Ratio) Best for: Buy-and-hold investors with rental income.
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Pros: Approval based on property cash flow, not personal income. Great for full-time investors.
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Cons: Slightly higher interest rates than conventional. Requires strong property performance (DSCR 1.2 ideally).
FHA or VA Loans (House Hacking) Best for: New investors living in part of the property (e.g., duplex).
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Pros: Low down payment (3.5% FHA, 0% VA). Low interest rates.
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Cons: Must live in the property. Limits on property types and number of units (max 4).
Commercial Real Estate Loans Best for: Large multifamily (5+ units) or mixed-use properties.
Ready to launch, grow or scale your business and invest in real estate for true time and lifestyle freedom? I have a few easy steps...
Get my Multifamily Due Diligence Check list here: https://tony-stephan.com/multi-family-check-list/
Get my real estate investing BRRRR BLUEPRINT (how to BUY, REHAB, RENT, REFINANCE, and REPEAT for an INFINITE return with apartment buildings) https://tony-stephan.com/blueprint/
Grab my BRAND NEW BOOK The New Rules To Financial Freedom: https://tony-stephan.com/financial-freedom-ebook/
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