The Tony Stephan Show

The Tony Stephan show is the one place to find REAL, RAW, and AUTHENTIC information on growing and scaling your business, money management and wealth creation, real estate investing and passive income for financial freedom, as well as how to balance and maintain a healthy marriage with your success and business.

How I Did A 100% Cash Out BRRRR Refinance On My 16 Unit Apartment - Ep. 71 06/23/2025

How I Did A 100% Cash Out BRRRR Refinance On My 16 Unit Apartment - Ep. 71 If you’re new to my channel, my name is Tony Stephan. I’m 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!…Here’s 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. My dad taught me fitness as an outlet to manage the stress. I wanted to help others dealing with trauma or stress via fitness, so I became a certified personal trainer and made $6/session. 23 yrs old: I graduated from Wayne State with a degree in Dietetics and became a Registered Dietitian, I took a 100% commission job at Lifetime Fitness. 26 yrs old: I quit that job, charged up my credit card to hire a mentor, and started an online coaching business. 27 yrs old: I broke even on the year and had massive struggles. 28 yrs old: I made my first $1m profit. 29 yrs old: I grew that business to 1000’s of customers in 21 different countries and made multiple 7 figures at 90% margins. 30 yrs old: We bought our first rental property, a single family rental in Royal Oak MI. 31 yrs old: We bought our first 7-unit apartment for $660k. One year later, it was worth $1m. The game completely changed. Watch the case study here: 32 yrs old: We launched The Stephan Group brokerage to help other people discover the power of small multifamily 33 yrs old: We completed 5, 100% cash out refinances on small multifamily deals. We decided to go ALL in on multifamily and build to 1000 units. That’s when I started this YouTube channel to help YOU buy your first small multifamily apartment deal. Today: We currently own and operate 258 units of multifamily real estate on the road to 1000 units. This channel is about sharing our journey and helping YOU get in the game. Reach out if there’s ever anything we can do for you. Never quit and NEVER compromise on your dreams and goals What did you think of today’s video? We want to make each video BETTER and MORE VALUABLE for you. Drop your feedback in the comments so we can improve for you! If you enjoyed this video, please give it a thumbs up, and don't forget to subscribe to our channel for new videos weekly. Ready to invest in real estate for true time and lifestyle freedom? I have a few easy steps... GET THE TOOLS FOR SUCCESS: Apply to work with me 1:1 in my coaching programs: GET MY MULTIFAMILY DEAL ANALYZER SPREADSHEET HERE: HIRE MY TEAM at The Stephan Group Real Estate Brokerage to help you buy / sell / invest in real estate: FREE RESOURCES: Get my Multifamily Due Diligence Check list here: Get my real estate investing BRRRR BLUEPRINT (how to BUY, REHAB, RENT, REFINANCE, and REPEAT for an INFINITE return with apartment buildings) Grab my BRAND NEW BOOK The New Rules To Financial Freedom: 𝗛𝗮𝘃𝗲 𝗔 𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻? 𝗦𝗲𝗻𝗱 𝗠𝗲 𝗔 𝗗𝗠 𝗼𝗻 𝗜𝗻𝘀𝘁𝗮𝗴𝗿𝗮𝗺: CONNECT WITH ME ON SOCIAL MEDIA YouTube: Instagram: LinkedIn: TikTok: Facebook: Subscribe to my channel: /episode/index/show/financialfreedomuniversity/id/37109155

How To Convince Your Partner To Try Small Multifamily Real Estate Investing - Ep. 70 06/16/2025

Why Small Multifamily Real Estate Is The Best Investment - Ep. 69 06/09/2025

Why Small Multifamily Real Estate Is The Best Investment - Ep. 69 In this video, Tony Stephan explains why small multifamily real estate (typically 2–4 units) is considered a strong investment for several reasons, especially for new or intermediate investors. Tony was also joined by Nawaf Kalasho of Kalasho CO and they discussed why they've built an impressive portfolio of over 700+ small multifamily units. Small multifamily real estate is the safest and best investment for every day Americans to build wealth. Here's why: Economies of Scale You get multiple income-producing units under one roof, which makes management and maintenance more efficient compared to owning multiple single-family homes in different locations. Better Cash Flow With more than one tenant, you’re spreading risk. Even if one unit is vacant, the others can still generate income, reducing the impact on your bottom line compared to a single-family rental. Easier Financing Than Larger Properties Properties with 2–4 units still qualify for residential financing, which means: Lower interest rates compared to commercial loans. You can use FHA, VA, or conventional loans. You may only need 3.5% down with an FHA loan if you live in one unit (house hacking). Appreciation + Rental Income Multifamily properties benefit from both market appreciation and cash flow. In hot rental markets, both the value of the property and the rents can increase over time. Tax Benefits You get depreciation, mortgage interest deductions, repair write-offs, and more—just like other real estate investments—but spread over multiple units. Exit Flexibility You can: Sell to another investor. Sell as a single-family home with rental upside. Convert units to short-term rentals. Refinance and pull out equity. Strong Demand Affordable rental units are in constant demand, especially in urban and suburban areas where housing costs are rising. Portfolio Growth Small multifamily properties can be a stepping stone to larger commercial real estate. They offer a way to learn the ropes of managing multiple units without the complexity of large buildings. 📢 What did you think of today’s video? We want to make each video BETTER and MORE VALUABLE for you. Drop your feedback in the comments so we can improve for you! 👍 If you enjoyed this video, please give it a thumbs up, and don't forget to subscribe to our channel for new videos weekly. Ready to invest in real estate for true time and lifestyle freedom? I have a few easy steps... 1️⃣ GET THE TOOLS FOR SUCCESS: Apply to work with me 1:1 in my coaching programs: GET MY MULTIFAMILY DEAL ANALYZER SPREADSHEET HERE: 2️⃣ HIRE MY TEAM at The Stephan Group Real Estate Brokerage to help you buy / sell / invest in real estate: 3️⃣ FREE RESOURCES: Get my Multifamily Due Diligence Check list here: Get my real estate investing BRRRR BLUEPRINT (how to BUY, REHAB, RENT, REFINANCE, and REPEAT for an INFINITE return with apartment buildings) Grab my BRAND NEW BOOK The New Rules To Financial Freedom: 📲 𝗛𝗮𝘃𝗲 𝗔 𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻? 𝗦𝗲𝗻𝗱 𝗠𝗲 𝗔 𝗗𝗠 𝗼𝗻 𝗜𝗻𝘀𝘁𝗮𝗴𝗿𝗮𝗺: Connect with Nawaf: 💥CONNECT WITH ME ON SOCIAL MEDIA 💥 YouTube: Instagram: LinkedIN: TikTok: Facebook: Subscribe to my channel: /episode/index/show/financialfreedomuniversity/id/36920430

Why This Investor Gave Up Single Family Rentals To Buy A 12 Unit Multifamily Apartment - Ep. 68 06/02/2025

Why This Investor Gave Up Single Family Rentals To Buy A 12 Unit Multifamily Apartment - Ep. 68 Transitioning from single-family rentals to multifamily properties can offer numerous benefits, particularly for investors seeking to expand their real estate portfolios. Here are the key advantages: Economies of Scale: Efficiency: Managing multiple units under one roof reduces costs for maintenance, property management, and utilities (e.g., shared systems like HVAC, plumbing). Increased Cash Flow Potential: More Units = More Rent: A multifamily property typically generates higher overall income than a single-family home. Vacancy Risk is Spread: In SFRs, one vacancy = 100% vacancy. In multifamily, one vacancy might only be 10% or less of total income. Better Financing Terms: Commercial Loans: Lenders often view multifamily properties (5+ units) as less risky due to diversified income streams, which can lead to: Lower interest rates Longer amortization periods More flexible underwriting criteria Forced Appreciation: Unlike SFRs, which are typically valued based on comps, multifamily properties are valued based on income (NOI). This means you can: Force Appreciation by increasing rents or reducing expenses. More directly influence the value of the property. Tax Advantages Depreciation: More structures = more depreciation. Cost Segregation: Multifamily properties offer more opportunities for accelerated depreciation through cost segregation studies. 1031 Exchanges: Easier to scale up and defer taxes when trading into larger multifamily properties. Stronger Hedge Against Market Downturns Demand Stability: During economic downturns, more people rent rather than buy, often boosting multifamily occupancy. Affordability: Multifamily units tend to be more affordable than single-family homes, keeping them in demand in tougher markets. 📢 What did you think of today’s video? We want to make each video BETTER and MORE VALUABLE for you. Drop your feedback in the comments so we can improve for you! 👍 If you enjoyed this video, please give it a thumbs up, and don't forget to subscribe to our channel for new videos weekly. Ready to invest in real estate for true time and lifestyle freedom? I have a few easy steps... 1️⃣ GET THE TOOLS FOR SUCCESS: Apply to work with me 1:1 in my coaching programs: GET MY MULTIFAMILY DEAL ANALYZER SPREADSHEET HERE: 2️⃣ HIRE MY TEAM at The Stephan Group Real Estate Brokerage to help you buy / sell / invest in real estate: 3️⃣ FREE RESOURCES: Get my Multifamily Due Diligence Check list here: Get my real estate investing BRRRR BLUEPRINT (how to BUY, REHAB, RENT, REFINANCE, and REPEAT for an INFINITE return with apartment buildings) Grab my BRAND NEW BOOK The New Rules To Financial Freedom: 📲 𝗛𝗮𝘃𝗲 𝗔 𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻? 𝗦𝗲𝗻𝗱 𝗠𝗲 𝗔 𝗗𝗠 𝗼𝗻 Instagram 💥CONNECT WITH ME ON SOCIAL MEDIA 💥 YouTube: https://www.youtube.com/channel/UCGeM9zcikxhYkdLh7aPObRQ Instagram: https://www.instagram.com/tony_stephan_/ LinkedIN: https://www.linkedin.com/in/tonystephandietitian/ TikTok: https://www.tiktok.com/@tony_stephan?lang=en Facebook: https://www.facebook.com/tonystephanRD Subscribe to my channel: https://www.youtube.com/channel/UCGeM9zcikxhYkdLh7aPObRQ /episode/index/show/financialfreedomuniversity/id/36820915

How These New Real Estate Investors Bought 23 Multifamily Units In 1 Year - Ep. 67 05/27/2025

How These New Real Estate Investors Bought 23 Multifamily Units In 1 Year - Ep. 67 Tony Stephan interviews his coaching clients Hugo and Joe who have bought 23 multifamily apartment units in their first year of real estate investing using the BRRRR method. This video is to inspire and help anyone get into the multifamily real estate game. Be sure to watch to the very end to get the answers to the following questions: Financial Questions How much money do I need for a down payment? Can I qualify for a loan for a multifamily property? What’s the difference between residential and commercial loans? How do I evaluate if the property is a good investment? What are common financing options (e.g., FHA, conventional, DSCR loans)? What hidden costs should I expect (repairs, insurance, property management)? How do I estimate cash flow and ROI? What is a cap rate, and how is it calculated? What tax benefits come with owning an apartment complex? Property Evaluation Questions What should I look for during property inspections? How do I know if the area is a good market for rentals? What makes a good or bad apartment complex investment? How many units should I start with? What’s the difference between Class A, B, C, and D properties? Should I buy a turnkey property or a value-add opportunity? Legal and Compliance Questions Do I need an LLC or other business structure? What are my responsibilities as a landlord? What local landlord-tenant laws should I know? Do I need special insurance for an apartment complex? Are there zoning or occupancy restrictions? Property Management Questions Should I self-manage or hire a property manager? How do I find good tenants? What software/tools should I use for managing rent and maintenance? How do I handle tenant issues like non-payment or damage? Risk and Exit Strategy Questions What are the biggest risks of owning an apartment complex? How do I protect myself from lawsuits? What’s the best exit strategy (sell, refinance, 1031 exchange)? 📢 What did you think of today’s video? We want to make each video BETTER and MORE VALUABLE for you. Drop your feedback in the comments so we can improve for you! 👍 If you enjoyed this video, please give it a thumbs up, and don't forget to subscribe to our channel for new videos weekly. Ready to invest in real estate for true time and lifestyle freedom? I have a few easy steps... 1️⃣ GET THE TOOLS FOR SUCCESS: Apply to work with me 1:1 in my coaching programs: GET MY MULTIFAMILY DEAL ANALYZER SPREADSHEET HERE: https://tony-stephan.com/multifamily-deal-analyzer/ 2️⃣ HIRE MY TEAM at The Stephan Group Real Estate Brokerage to help you buy/sell/invest in real estate: FREE RESOURCES: Get my Multifamily Due Diligence Check list here: Get my real estate investing BRRRR BLUEPRINT (how to BUY, REHAB, RENT, REFINANCE, and REPEAT for an INFINITE return with apartment buildings) Grab my BRAND NEW BOOK The New Rules To Financial Freedom: 📲 𝗛𝗮𝘃𝗲 𝗔 𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻? 𝗦𝗲𝗻𝗱 𝗠𝗲 𝗔 𝗗𝗠 𝗼𝗻 𝗜𝗻𝘀𝘁𝗮𝗴𝗿𝗮𝗺: 💥CONNECT WITH ME ON SOCIAL MEDIA 💥 YouTube: Instagram: LinkedIN: TikTok: Facebook: Subscribe to my channel: /episode/index/show/financialfreedomuniversity/id/36738565

Investing In Multifamily Real Estate Is NOT About Cash Flow - Ep. 66 05/20/2025

Investing In Multifamily Real Estate Is NOT About Cash Flow - Ep. 66 Be sure to watch to the very end to get the answers to the following questions: What is cash flow in real estate investing? Why is cash flow not the most important factor in multifamily real estate investing? Why is multifamily a game of "multiple exits"? How do I accurately calculate cash flow? What’s considered “good” cash flow on a rental property? What can kill cash flow on a property? How can I increase cash flow on a rental property? What did you think of today’s video? We want to make each video BETTER and MORE VALUABLE for you. Drop your feedback in the comments so we can improve for you! If you enjoyed this video, please give it a thumbs up, and don't forget to subscribe to our channel for new videos weekly. Ready to invest in real estate for true time and lifestyle freedom? I have a few easy steps… GET THE TOOLS FOR SUCCESS: Apply to work with me 1:1 in my coaching programs: GET MY MULTIFAMILY DEAL ANALYZER SPREADSHEET HERE: HIRE MY TEAM at The Stephan Group Real Estate Brokerage to help you buy / sell / invest in real estate: FREE RESOURCES: Get my Multifamily Due Diligence Checklist here: Get my real estate investing BRRRR BLUEPRINT (how to BUY, REHAB, RENT, REFINANCE, and REPEAT for an INFINITE return with apartment buildings) Grab my BRAND NEW BOOK The New Rules To Financial Freedom: 𝗛𝗮𝘃𝗲 𝗔 𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻? 𝗦𝗲𝗻𝗱 𝗠𝗲 𝗔 𝗗𝗠 𝗼𝗻 𝗜𝗻𝘀𝘁𝗮𝗴𝗿𝗮𝗺: CONNECT WITH ME ON SOCIAL MEDIA YouTube: Instagram: LinkedIN: TikTok: Facebook: Subscribe to my channel: WATCH NEXT: Buying A 9 Unit Apartment With 5.5% Seller Financing: How This Out-of-State Investor Bought His First 12-Unit Multifamily Apartment: How To Buy Your First Multifamily Apartment Step By Step: I Made $250k In 1 Year On My 7 Unit Multifamily Apartment: Steal My Blueprint!: /episode/index/show/financialfreedomuniversity/id/36634880

Marriage & Money Talk: How To Manage Your Money So You Can Invest In Real Estate - Ep. 65 05/19/2025

How To Get The BEST Loan As A Real Estate Investor - Ep. 64 05/14/2025

How To Get The BEST Loan As A Real Estate Investor - Ep. 64 In 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. Pros: Low interest rates. Long terms (15–30 years). 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. Pros: Flexible underwriting. Can finance multiple properties under one loan. Cons: Higher interest rates. Shorter terms than conventional loans. DSCR Loans (Debt-Service Coverage Ratio) Best for: Buy-and-hold investors with rental income. Pros: Approval based on property cash flow, not personal income. Great for full-time investors. 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). Pros: Low down payment (3.5% FHA, 0% VA). Low interest rates. 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. What did you think of today’s episode? We want to make each episode BETTER and MORE VALUABLE for you. Drop your feedback in the REVIEWS so we can improve for you! If you enjoyed this episode, please drop us a review, and don't forget to subscribe to our podcast for new episodes weekly. 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... FREE RESOURCES: Get my Multifamily Due Diligence Check list here: Get my real estate investing BRRRR BLUEPRINT (how to BUY, REHAB, RENT, REFINANCE, and REPEAT for an INFINITE return with apartment buildings) Grab my BRAND NEW BOOK The New Rules To Financial Freedom: Apply to work with me 1:1 in my coaching programs: Hire our team at The Stephan Group Real Estate Brokerage to help you buy/sell / invest in real estate: 𝗛𝗮𝘃𝗲 𝗔 𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻? 𝗦𝗲𝗻𝗱 𝗠𝗲 𝗔 𝗗𝗠 𝗼𝗻 𝗜𝗻𝘀𝘁𝗮𝗴𝗿𝗮𝗺: CONNECT WITH ME ON SOCIAL MEDIA Subscribe to my YouTube: Instagram: LinkedIn: TikTok: Facebook: /episode/index/show/financialfreedomuniversity/id/36565535

How To Get Approved For A Home Loan: Step By Step - Ep. 63 05/08/2025

How To Get Approved For A Home Loan: Step By Step - Ep. 63 In this episode, Tony Stephan breaks down the steps required to get approved for your first home loan which include: Check Your Credit Score & Report: Lenders use your credit score to determine loan approval and interest rates. Determine How Much You Can Afford: Consider your income, debts, and down payment to estimate what home price fits your budget. Save for a Down Payment & Closing Costs Standard down payment: 20% (but some loans allow as low as 3-5%). Get Pre-Approved for a Mortgage: A lender reviews your credit, income, assets, and debts to determine how much they will lend you. Find a Home & Make an Offer: Work with a real estate agent to find homes in your price range. Get a Home Appraisal & Inspection Appraisal: The lender ensures the home’s value matches the loan amount. Inspection: A professional checks for major repairs (not required, but recommended). Secure Final Loan Approval: The lender will verify your finances again (avoid new debt or job changes). Close on Your New Home: Receive the keys to your new home! Be sure to listen until the very end to get the answers to the following questions: What credit score do I need to get approved for a mortgage? How much income do I need to qualify for a home loan? What documents are required to get approved for a mortgage? How much debt is too much when applying for a home loan? What is the minimum down payment for a mortgage? How can I improve my chances of getting approved? Should I pay off debt or save for a down payment first? Does getting pre-approved guarantee final approval? What are red flags that can cause denial? What types of home loans are easiest to get approved for (FHA, VA, conventional, etc.)? What did you think of today’s episode? We want to make each episode BETTER and MORE VALUABLE for you. Drop your feedback in the REVIEWS so we can improve for you! If you enjoyed this episode, please drop us a review, and don't forget to subscribe to our podcast for new episodes weekly. 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... FREE RESOURCES: Get my Multifamily Due Diligence Check list here: Get my real estate investing BRRRR BLUEPRINT (how to BUY, REHAB, RENT, REFINANCE, and REPEAT for an INFINITE return with apartment buildings) Grab my BRAND NEW BOOK The New Rules To Financial Freedom: Apply to work with me 1:1 in my coaching programs: Hire our team at The Stephan Group Real Estate Brokerage to help you buy / sell / invest in real estate: 𝗛𝗮𝘃𝗲 𝗔 𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻? 𝗦𝗲𝗻𝗱 𝗠𝗲 𝗔 𝗗𝗠 𝗼𝗻 𝗜𝗻𝘀𝘁𝗮𝗴𝗿𝗮𝗺: CONNECT WITH ME ON SOCIAL MEDIA Subscribe to my YouTube: Instagram: LinkedIN: TikTok: Facebook: /episode/index/show/financialfreedomuniversity/id/36487870

Buying A 9-Unit Multifamily Apartment With Seller Financing - Ep. 62 05/04/2025

Out Of State Real Estate Investor Buys His First 12 Unit Multifamily Apartment - Ep. 61 04/14/2025

Out Of State Real Estate Investor Buys His First 12 Unit Multifamily Apartment - Ep. 61 In this episode, Tony Stephan interviews one of his clients, Hugo, on how he was able to buy his first 12-unit multifamily apartment as an out-of-state investor. Hugo used Andrea at for this transaction. Andrea shares valuable insights on the multifamily acquisition process. Be sure to watch to the very end to get answers to the common questions, such as: How to buy multifamily apartments Multifamily vs single family investing Best markets for multifamily investing Multifamily real estate syndication - pros and cons How to analyze a multifamily deal Multifamily financing options How to find multifamily deals What are cap rates for multifamily property Want to learn more about the MENTORSHIP PROGRAM Hugo is in that helped him buy this 12-unit deal? Apply to work with me 1:1 here: What did you think of today’s episode? We want to make each episode BETTER and MORE VALUABLE for you. Drop your feedback in the REVIEWS so we can improve for you! If you enjoyed this episode, please drop us a review, and don't forget to subscribe to our podcast for new episodes weekly. 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... FREE RESOURCES: Get my Multifamily Due Diligence Checklist here: Get my real estate investing BRRRR BLUEPRINT (how to BUY, REHAB, RENT, REFINANCE, and REPEAT for an INFINITE return with apartment buildings) Grab my BRAND NEW BOOK The New Rules To Financial Freedom: Apply t o work with me 1:1 in my coaching programs: Hire our team at The Stephan Group Real Estate Brokerage to help you buy / sell / invest in real estate: 𝗛𝗮𝘃𝗲 𝗔 𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻? 𝗦𝗲𝗻𝗱 𝗠𝗲 𝗔 𝗗𝗠 𝗼𝗻 𝗜𝗻𝘀𝘁𝗮𝗴𝗿𝗮𝗺: CONNECT WITH ME ON SOCIAL MEDIA Subscribe to my YouTube: Instagram: LinkedIN: TikTok: Facebook: /episode/index/show/financialfreedomuniversity/id/36128520

Why You NEED To Buy One Small Multifamily Apartment (12 Unit Deal Example) - Ep. 60 04/10/2025

Why You NEED To Buy One Small Multifamily Apartment (12 Unit Deal Example) - Ep. 60 In this podcast, Tony Stephan provides an example of how he was able to produce an INFINITE return on investment, and walk away with a $250k cash profit from owning a small multifamily apartment. Tony teaches you from his real-world examples to help you get into the game of owning and investing in real estate. Be sure to watch to the very end to get the answers to the following questions: Are multifamily apartments good investments? What to look for when buying apartment? How does buying an apartment work? How much money do I need to buy an apartment building? What financing options are available for apartment buildings? What is the average return on investment (ROI) for an apartment building? How do I calculate the cash flow and profitability of a building? What are the tax benefits of owning an apartment building? How do I find a good apartment building to buy? Is buying a small multi-family property or a larger apartment complex better? Is now a good time to buy an apartment building? What did you think of today’s episode? We want to make each episode BETTER and MORE VALUABLE for you. Drop your feedback in the REVIEWS so we can improve for you! If you enjoyed this episode, please drop us a review, and don't forget to subscribe to our podcast for new episodes weekly. 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... FREE RESOURCES: Get my Multifamily Due Diligence Check list here: Get my real estate investing BRRRR BLUEPRINT (how to BUY, REHAB, RENT, REFINANCE, and REPEAT for an INFINITE return with apartment buildings) Grab my BRAND NEW BOOK The New Rules To Financial Freedom: Apply to work with me 1:1 in my coaching programs: Hire our team at The Stephan Group Real Estate Brokerage to help you buy / sell / invest in real estate: 𝗛𝗮𝘃𝗲 𝗔 𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻? 𝗦𝗲𝗻𝗱 𝗠𝗲 𝗔 𝗗𝗠 𝗼𝗻 𝗜𝗻𝘀𝘁𝗮𝗴𝗿𝗮𝗺: CONNECT WITH ME ON SOCIAL MEDIA Subscribe to my YouTube: Instagram: LinkedIN: TikTok: Facebook: /episode/index/show/financialfreedomuniversity/id/36086335

When's The Best Time To Sell, Refinance, or Hold A Rental Property? - Ep. 59 04/07/2025

When's The Best Time To Sell, Refinance, or Hold A Rental Property? - Ep. 59 I have a lot of equity in my rental property. Should I sell, refinance, or hold it? In this podcast, Tony Stephan answers the question: I have a lot of equity in my rental property, should I sell, refinance, or hold? It depends on your financial goals, market conditions, and cash flow needs. Here are some considerations for each option: Sell Best if: Property values are high, and you want to cash out and reinvest elsewhere. Pros: Capture appreciation and take profits. Avoid future market downturns. Reinvest in higher-yield opportunities. Cons: Capital gains taxes. Loss of rental income. Transaction costs (agent fees, closing costs, etc.). Refinance Best if: You need cash but want to keep the property. Pros: Pull out equity without selling. Keep rental income and appreciation potential. Possibly lower interest rate if current loan is high. Cons: Higher monthly payments. Loan fees and closing costs. Higher debt load. Hold Best if: The property is generating solid cash flow and appreciating. Pros: Passive income continues. Equity builds over time. Tax benefits (depreciation, mortgage interest deductions). Cons: Opportunity cost (equity tied up). Market risks. Ongoing property management headaches. Questions to Ask Yourself: How strong is my cash flow? If the property is making good money, holding might be best. Do I need liquidity? If you need cash for another investment, refinancing or selling could be options. What are interest rates like? If they’re low, refinancing might be smart. What’s my long-term plan? If you want to build wealth through real estate, holding might be best. What did you think of today’s episode? We want to make each episode BETTER and MORE VALUABLE for you. Drop your feedback in the REVIEWS so we can improve for you! If you enjoyed this episode, please drop us a review, and don't forget to subscribe to our podcast for new episodes weekly. 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... FREE RESOURCES: Get my Multifamily Due Diligence Check list here: Get my real estate investing BRRRR BLUEPRINT (how to BUY, REHAB, RENT, REFINANCE, and REPEAT for an INFINITE return with apartment buildings) Grab my BRAND NEW BOOK The New Rules To Financial Freedom: Apply to work with me 1:1 in my coaching programs: Hire our team at The Stephan Group Real Estate Brokerage to help you buy / sell / invest in real estate: 𝗛𝗮𝘃𝗲 𝗔 𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻? 𝗦𝗲𝗻𝗱 𝗠𝗲 𝗔 𝗗𝗠 𝗼𝗻 𝗜𝗻𝘀𝘁𝗮𝗴𝗿𝗮𝗺: CONNECT WITH ME ON SOCIAL MEDIA Subscribe to my YouTube: Instagram: LinkedIN: TikTok: Facebook: /episode/index/show/financialfreedomuniversity/id/36038775

7 Deadly Sins of Real Estate Investing - Ep. 58 03/31/2025

How to Buy Multifamily Real Estate With Seller Financing - Ep. 57 03/26/2025

How to Buy Multifamily Real Estate With Seller Financing - Ep. 57 In this podcast, Tony Stephan provides a step-by-step blueprint for buying your first multifamily apartment real estate deal. Be sure you listen to this entire episode until the end to get the answer to all of the following questions: Are multifamily apartments good investments? What to look for when buying an apartment? How buying an apartment works? How much money do I need to buy an apartment building? What financing options are available for apartment buildings? What is the average return on investment (ROI) for an apartment building? How do I calculate the cash flow and profitability of a building? What are the tax benefits of owning an apartment building? How do I find a good apartment building to buy? What should I look for during an apartment building inspection? How do I evaluate the neighborhood and market demand? What are the common red flags when buying an apartment building? How do I assess the potential for rent increases and property appreciation? Should I manage the property myself or hire a property management company? What are the typical maintenance and operational costs? How do I handle difficult tenants and eviction laws? What kind of insurance do I need for an apartment building? What legal and regulatory requirements should I be aware of? What are the biggest risks of owning an apartment building? How do interest rates and the economy affect apartment building investments? Is it better to buy a small multi-family property or a larger apartment complex? Is now a good time to buy an apartment building? What did you think of today’s episode? We want to make each episode BETTER and MORE VALUABLE for you. Drop your feedback in the REVIEWS so we can improve for you! If you enjoyed this episode, please drop us a review, and don't forget to subscribe to our podcast for new episodes weekly. 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... FREE RESOURCES: Get my Multifamily Due Diligence Check list here: Get my real estate investing BRRRR BLUEPRINT (how to BUY, REHAB, RENT, REFINANCE, and REPEAT for an INFINITE return with apartment buildings) Grab my BRAND NEW BOOK The New Rules To Financial Freedom: Apply to work with me 1:1 in my coaching programs: Hire our team at The Stephan Group Real Estate Brokerage to help you buy / sell / invest in real estate: 𝗛𝗮𝘃𝗲 𝗔 𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻? 𝗦𝗲𝗻𝗱 𝗠𝗲 𝗔 𝗗𝗠 𝗼𝗻 𝗜𝗻𝘀𝘁𝗮𝗴𝗿𝗮𝗺: CONNECT WITH ME ON SOCIAL MEDIA Subscribe to my YouTube: Instagram: LinkedIN: TikTok: Facebook: /episode/index/show/financialfreedomuniversity/id/35863665