Here are my thoughts about the next Real Estate Crash, the current state of the stock market and economy, along with 5 strategies that you could use to come out ahead profitable – Enjoy! Add me on Instagram: GPStephan
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How To Profit Through A Real Estate Drop:
1. Get a 30 year mortgage.
That’s because the 30-year interest rates are STILL the lowest they’ve ever been, in history – and when you consider that long term investment returns are often WAY higher than your mortgage interest rate… it starts making a lot of sense NOT to pay off your mortgage early and invest the difference, instead. Not to mention, inflation makes your mortgage EASIER to pay off with future dollars, so the longer you keep it, and the higher the inflation we see- the cheaper your loan becomes.
2. Always get a fixed interest rate.
By locking in your rate, you know with 100% certainty how much it’s going to cost for the next 30 years, and from that – you can plan accordingly.
3. Refinance your mortgage to save more money.
This allows you to get a brand new loan that replaces your existing loan – and in many situations, the new loan is going to be at a lower interest rate than you’re currently paying – THEREBY saving you a little bit more money, every single month.
4. Only buy a home you plan on keeping at LEAST 7-10 years.
The truth is, real estate values ONLY matter in the short term if you intend on selling – so, everything I’ve mentioned SO FAR is designed to make your monthly payments as low and predictable as possible, just so that you don’t NEED to sell. Ideally, by NOT selling – you’ll have the time to ride out any fluctuations in price LONG enough for them to eventually recover, and bring you back to profitability.
5. Focus on Cashflow First – Value Second
Rental prices tend to be completely immune and stable from real estate PRICE DROPS…so, even if the market VALUE goes down…most likely, rental prices should stay the same – or, slightly increase.
6. Only buy a home you can comfortably afford.
NEVER max out the loan you’re able to qualify for…NEVER extend yourself too far because the home is awesome…NEVER spend more than 35% of your income on your housing payments…and instead, get something that isn’t going to cost you more than you can reasonably pay, IF your income goes down. The reality is, the lower your payment is in relation to how much you make, the safer it is that you’ll be able to keep it through a downturn without running out of money, or having a difficult time staying afloat.
Real estate should IDEALLY be something you ONLY buy if you intend to hold on to it at LEAST 8-10 years, with a fixed rate mortgage, locked in 30 years, on a payment you can easily afford…and that way, even IF the entire market goes down…you’ll be able to get through it without ANY change to your day-to-day lifestyle.
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He said “poop”.. lol..
Why you always click bait??
I’m not sure I should smash the like button. The last time I broke my mouse. Can I just click it?
I hit the like button
I was thinking of becoming an Agent, im guessing you’d say not to go to school for this right now?
Great video very informative more like this pls
Real quick, mortgage forbearance is up to 15 months and even higher if you have a private agreement with the lender.
I love you, Graham.
You are incredibly high energy.
Red bull.
You said that every year that housing is going to crash. Prices have doubled since you stated housing crash videos. I will seek legal actions against you and your videos.
Tips on buying a rental property or duplex and how to find a good tenant and starting/managing a rental process? 🙏🏽
Ha jk you have a video for that already 🙌🏼
Smash the like people!
I love the videos but notices u literally have the same facial expression as the video cover of most of ur videos haha
Housing fundamentals are so whack, are the Boomers just not dying fast enough or downsizing? They’re supposed to move out so Millennials who have been waiting forever can buy the houses, and the prices should crash really soon.
Very helpful
I love Graham’s videos he’s great but I wish he would interact with his subs more. Every video he asks us to smash the like button but I don’t ever see him respond to comments or answer questions. 🙁
He does respond when the video first drops. There are thousands of comments. Not to mention social media messages and whatnot. He also has a life outside of YouTube.
Graham, your simple, no nonsense financial advice is very refreshing. I’m going to have my children watch this video. Young people are more likely to listen to someone like you, than to their parents. Keep up the good work.
liked!
Love your videos!
I’m waiting and waiting
It’s Hard to sell & easy to buy.
I only liked after I felt the content was useful. Not because you asked so early on
I got it true mrs Jennifer really made me get my house am so happy for my brother who introduced me to her thank you mrs Jennifer
Look in MLS at who is buying these homes for so much over asking value. 30% of sales are to corporations and shell corps ( not just LLCs representing individual buyers.
Look at which are marked as intending to be rented and not owner occupied. It’s more than half.
Talk about the data
🐒
The housing market will remain strong unless we shut the economy down, which isn’t the plan
You keep saying there is going to be a crash. It’s a good headline to get people to look at your video. Maybe you can come up with something more creative
I wont hit that .. i am too skeptical
Nice update!
I’m so happy 🤗 My life changed totally, I’ve been earning $27,486 returns from my $6,500 investment every 14days
Nathan Kyle SURE!!!
Anecdotally, I’ve noticed a lot more for sale signs lately.
Often when I Google, no active listing can be found.
For now I guess agents have buyers enough without using Zillow or other services.
It may make available homes seem more scarce then they are.
Thanks for the video!
Make a video on car behind you.
Great video on reality of the housing market, nobody really knows what will happen. However it would be wise to wait after they moratorium is over, this could have a able but positive effect for buyers
Your channel is really good
During the covid-19 pandemic, i was able to invest with a professional broker,Mrs Elizabeth Graham, I have been making huge profits on my investments ever since i started trading with her, Mrs Elizabeth Graham’s trading strategies are top notch.
I started trading with Mrs Elizabeth Graham with just a thousand bucks. my portfolio is worth much more that now within just weeks of trading with her.
@Rose Thompson She’s available on telegram
@Rose Thompson Here is her username @invest_with_mrslizy
I have never come across anyone as good as Mrs Elizabeth Graham, just by applying her strategies, I now trade independently. she is the best I’d advise any novice in investing to trade with her.
Thank you for the awareness here on youtube…. i have been searching for such signals as well.
God I hope so.
I buy low end 850 to 1000 sqft home as rentals as they are quick to fill. I’m still waiting for prices to drop here in Oklahoma. I benefit from a bad sellers market. Even if interest rates go high i can use cash.
During the covid-19 pandemic, i was able to invest with a professional broker,Mrs sophia charlotte, I have been making huge profits on my investments ever since i started trading with her, Mrs sophia charlotte trading strategies are top notch.
I have been hearing of Mrs sophia charlotte and her exploits in the trading world but i have no idea how to reach her.
I started trading with Mrs sophia charlotte with just a thousand bucks. my portfolio is worth much more that now within just weeks of trading with her.
@Brenda Hiatt She’s available on telegram
Investing with Mrs sophia charlotte there’s no doubt, she is the most reliable in the market, such a genius.
I have never come across anyone as good as Mrs sophia charlotte, just by applying her strategies, I now trade independently. she is the best I’d advise any novice in investing to trade with her.
Misleading title got me again.
Never spend 35% of income on house payment? Is he talking net or gross paycheck?
so people shouldn’t become real estate agents
Regarding housing, any thoughts about newly IPOed HIPO? I got hit with the after merger decline, but it seems so cheap now that I want to double down. Better financials than LMND with a lower valuation. Am I just biased because I have friends who work there and believe in it, or is it really undervalued?
Everyone shouldve known that, no fundamentals changed if anything got worse. Rates went down and thats it, once the fiscal heroin was over we will seizure from September to mid 2022
That $50 tho..
Bullshit – it is now correct due to 2008. All cash offers and buyouts of city apartments..nope not going to happen
Just wanted to report that I smashed. The like button, not sex. Not a chad.
Well dosent cost exactly nothing. I pay my phone bill and it takes maybe a second to hit the like button so my phone bill divided by how many seconds in a month, it costs like 0.000019290123457 to hit it.
based
Thank you Graham ! 😊
I’ll remember why the housing market is sinking for the next time.
Mortgage lenders are more picky too, so this will limit buyers.
days away from closing..
**sees Graham post video titled “The Housing Market is Sinking”
This guy is a joke, one week “House market is souring” next week “HOUSE MARKET IS CRASHING” Scam Artist much
Aw, darn. I thought your “really special announcement” was going to be that y’all are expecting!! 😅👶😜
Seriously, though, thank you for this (& all) of your videos! I especially enjoy the B&W mocking portions. 🙂
the golbin
So enough about real estate Graham, I heard you can play a Dr. Dre song on the piano. . Gotta give em what they want and its gotta be bumpin’ city of Compton. . .
Waiting on the UK to follow. Got my cash monies ready for the dip.
Did you turn italian? why are you moving your hands so much?
I am a realtor in the Nashville area & looking forward to the next bubble pop….I have not been able to buy a flip in months. The crazy demand for homes here has driven the price of a floating turd up past a workable number for profitable flips. Looking forward to the future foreclosure boom.
Meet kevin videos are better. I feel like you rant too much.
My fiancé is about to deploy out of country, our dog and I will stay here, should he buy or rent a home for the dog and I?
I use youtube for music so hitting that like button causes you to go with my playlist of gansta rap LOL
Respond to my comment
This video was very very helpful for me right now as a new buyer and really contemplating on whether to buy or to wait !! Thanks for sharing!!
I disagree but I love the content. Always great production and presentation
Bro, you look tired. Take a nap.
Screw the real estate business. I’m to corner the tent selling business.
Did he just say “What’sup Big Guys”?
Don’t worry communism is almost here, housing will be provided for you 🤷♂️
Where is girlfriend?
Most of this advice is just common knowledge: get a 30 year, fixed rate mortgage; refinance to lower your rate; hold on to your property until its value returns; don’t make payments that your Max budget. Nothing remarkable here. If you don’t already know this – keep renting. You should not be looking to purchase real estate yet.
Ape smash like button cuz Graham say “tendies” huh huh.
Nice
I know how challenging accommodation can be at that stage, I had to deal rent and work to pay my college tuition and I still ended up with a large cloud of student loans hanging over my head. Thankfully I have been able to satisfy all my debts through earnings from my stock investments. pheww !!
@emily cole Every potential investor always has this uncertainty before going into stock investments. The only reason why I took the bold step was because my colleague referred me to his advisor; Jeremy Richard Deering who showed me the great investment potentials in the stock market and went on to Improve my finances.
@larry bishop Count yourself lucky because most traders don’t have the good fortune of starting their investment Journey with him. I was struggling to stay afloat in the market till I signed up for his signals. Good thing I discovered him at the nick of time.
@Craig Menear After seeing watching his interview on CNBC channel, I did some digging on jeremy where I found out about his impressive work history. Investing with him was automatically the only logical option for me, and I have been benefiting handsomely from my decision.
Risk management and trade are better handled by experienced account managers?
Jeremy Richard Deering is very popular on Bloomberg i doubt if there is anyone who is serious on stock trading that doesn’t know him. He has helped me quite a few times in growing my portfolio and it was blissful without any setbacks. He really is a genius.
I smashed that crap
Hi Grantham. Hello from HK. Have you ever think about owning a motel / inn? Do you know anything about starting one ?
They should crash and I hope they do
I broke my iPad screen trying to smash the like button. You owe me a new iPad bruv 😉
Reits 🚀
Housing market is sinking.. another bubbles bursting soon .. Biden is looking bad gas prices up and everything else is going wrong with the world I pray he figures it out.. I pray everyone figures this out but this housing market leads to the downfall always there should of been regulators at guard to see this happening again but give them not even a huge pay out but a couple of dollars and they look the other way will the chess player’s laugh and cash those big checks they write themselves
I took the like button to pound town
Wall Street is diving back into the business of turning home loans into bonds
I’m a truss designer…. (Design roofs and floors) the housing market is terrifying to all of us
Thanks for comments dont forget to hit the subscription button
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HODL
The sponsor of the video being the like button… I was anticipating it but hearing you actually say it made me have to like the vid
@Graham Stephan Could you talk about Bay area real estate some time? Thanks
tired of looking at that stupid sensationalist facial expression in your thumbnails…
I def smashed
Thanks for the comments don’t forget to hit the subscription button
+¹ ⁷⁶⁵³¹⁵³⁴⁷³🚩
=what’s App…. °°°°… …………………………………………………..
Please change thumbnail this is a disrespect to everyone whose houses flooded during the storm Ida
Hopefully , most homeowner will short sale their homes . Foreclosure ruins your credit . Short sales can protect your credit .
I live in Northern VA, and I’m already seeing single family home inventories building up and selling at *below* Redfin recommendations. It’s already starting to happen, finally.
you really have a GT40 in the background? hahaha
Thanks for comments dont forget to hit the subscription button
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@Pinned b.y Graham stęphan obvious scam… ^^^^
Housing market is crazy. Nice content and advise Graham!
This is some solid content 🙌🏼
Forced to wait on the sidelines? Or the sidewalk?
Fall 2023 we will see a meltdown
The housing market and the economy in general in the U.S is fake. The federal bank will lower its interest rate when people don’t have money to buy homes , cars and other things. Low interest rate is a formula of a bubble in the long run. We actually not the same powerful country as we were 30-40 years ago.
China took all the jobs ( we gave it to them on a silver platter) and since then we became the consumer and not the manufacturer. That means that when you need to import most of your goods from overseas you have no power and you should buy what they sell you.
Greed is the name of the game here in the U.S the Feds lies to the people the banks will always make money and the little citizen will pay for all of it.
We are in a bigger bubble than we were in 2007.
It’s a good thing if it goes down in flames.
For you people checking on updates. He’s wrong yet again
My favorite videos man. Question Graham, I have some cash in the bank and want to put it out in the market. Is 2022 a good moment? What about putting money in Brazil? Any help? Thanks bro