3% Curiosity Charges in 2025? This “Hack” Unlocks It

Dave:
2025 is a model new panorama for actual property buyers. Whether or not you’re rising your portfolio or investing for the primary time, you form of want to know the ways that work at this time, not the ways that work yesterday, not those which can be going to work in 2026, those that work proper now. So at this time I’m sharing my prime 5 actual property hacks of 2025 that it is advisable transfer ahead in your path to monetary independence. Would you like a 3% mortgage? I wager you do. So watch and learn the way to get extra. Hey everybody, it’s Dave head of Actual Property investing at BiggerPockets and an investor for 15 years now. And actually, so much has modified in these 15 years and likewise in another methods nothing has modified. For me, the massive image stuff is actually all the identical. I nonetheless take a long-term strategy to actual property investing.

Dave:
I’m all the time searching for the very best danger adjusted returns it doesn’t matter what 12 months it’s I look to purchase nice belongings at good values. In different phrases, in good costs. I wish to proceed to earn energetic revenue as effectively as attainable, so that offers me extra money to take a position. None of that stuff actually modifications. That’s my massive image technique. However the ways, the stuff that you simply’re truly doing every day, that stuff truly has modified the kind of belongings I search for, the sorts of financing, truly even the markets that I put money into, these have and can proceed to evolve. So in at this time’s episode, I’m going to be speaking about 5 tactical issues that just about anybody can use to get forward in 2025. A few of these are issues that I do myself, a few of them are ideas that come from the tons of of conversations I’ve each single month with profitable buyers after which at this time I’m sharing all of them with you.

Dave:
Alright, my first primary hack for ways you need to be utilizing in 2025 is to be supply prepared. And once I say supply prepared, which means that you’re able to pounce. You will have your whole geese in a row in order that if you discover a whole lot on this market and good offers will emerge on this market. We’ll speak slightly bit extra about that in only a minute, however when you’ve got your whole geese in a row, it is possible for you to to capitalize on the transitional market that we’re in proper now. For those who take a look at the information otherwise you simply speak to actual property buyers who’re doing issues on the bottom, what you see is fairly clear that there’s a cut up available in the market. Stock goes up and so there’s extra offers and nonetheless the vast majority of them are unhealthy.

Dave:
You don’t need ’em, and that’s sort of all the time the case in actual property investing. You’re by no means going to have a time when every thing that hits the MLS is an efficient deal, however proper now to me, the distinction between good offers and unhealthy offers is especially large as a result of quite a lot of sellers are simply caught pondering that they’ll get costs from final 12 months or two years in the past. Effectively, that’s simply not true within the majority of markets. In the meantime, some individuals are getting increasingly motivated. We’re having extra motivated sellers. So which means higher offers are coming, however they’re going to be few and much between, and which means the people who find themselves going to reach 2025 discover nice offers, add to their portfolio are those who’re able to pounce on these alternatives after they discover them. So that’s form of the overarching hack that I wish to share with all of you, however there’s truly a few different steps that you need to most likely find out about so as to truly be supply prepared.

Dave:
The 4 stuff you actually wish to give attention to is one your crew. Meaning having an amazing investor pleasant agent as a result of for those who’re going to jot down presents for almost all of individuals, they want an agent to have the ability to do this. You additionally want an agent who is actually good at comping in at this time’s market as a result of as I simply stated, costs are far and wide, and so for those who discover a deal that you simply like, it’s an amazing asset. You must not solely make it possible for it’s an acceptable worth proper now, however ideally in 2025 you wish to be shopping for under present comps. A whole lot of markets proper now are vulnerable to modest declines, one 2%, one thing like that. So ideally if you’re shopping for proper now you purchase one 2% undercurrent comps. That’s going to guard you and an amazing agent can actually make it easier to do this.

Dave:
Now we have methods to match you with brokers on BiggerPockets. For those who don’t have a type of, go to biggerpockets.com/brokers. You may get match without cost. In order that’s one. Clearly you additionally want the opposite components of your crew as nicely. I believe that’s essential to have a lender in fact, to have a property supervisor for those who’re doing a purchase and maintain and for those who’re going to do worth add, I believe it actually helps to have some contractors lined up. Now, each deal you do, you’re going to need to exit and get it bid, however having preliminary conversations with two or three contractors in order that you recognize that if you exit and make a proposal on a deal that you would be able to execute in your marketing strategy rapidly, that’s going to be tremendous essential right here in 2025. The second factor is in fact, simply educating your self.

Dave:
That is sort of all the time true, however I discover that lots of people begin taking a look at properties and taking a look at offers earlier than they absolutely perceive precisely how you can function their deal, and that’s what will get individuals frozen after they truly see deal after which they’re unable to drag the set off as a result of they lose confidence, they don’t really feel like they really know what they’re doing. That’s the opposite step in being supply prepared is simply realizing precisely what you’re attempting to do and having a recreation plan for what your purchase field is, the way you’re going to execute that and studying every thing you want, whether or not it’s by means of this podcast, by means of YouTube, no matter it’s, go study what it is advisable know earlier than you begin taking a look at offers. The third factor it is advisable do to be supply prepared is to get a pre-approval. That is tremendous essential as a result of proper now what I’m seeing at the least within the offers that I’ve completed within the final two years is that I’ve not essentially had the very best supply for my offers, however I’ve had the strongest supply as a result of I’m decreasing the danger for sellers.

Dave:
I give them a really clear take a look at who I’m and that I’m going to shut on the property. The largest drawback for sellers proper now’s yeah, costs are happening. In order that’s the most important drawback. So perhaps the second greatest drawback is that quite a lot of contracts are getting canceled. Folks put one thing below contract, then they’ll’t get financing or one thing falls aside. So personally, my technique for bidding on properties has been to both put extra money down, extra earnest cash, have a extremely good pre-approval prequalification prepared to supply to indicate that I’m severe and except there’s one thing unhealthy that comes up on the inspection or there’s one thing on title, then I’m going to shut on this property. And so having a dialog along with your lender to place your self for robust presents is tremendous essential. In 2025, the final a part of being supplied prepared is one thing I name benchmarking, and I ought to most likely speak extra about this on the present, however it’s one thing I do just about daily and I actually advocate that individuals do of their investing profession.

Dave:
And that is mainly taking a look at quite a lot of offers and determining what the common deal is in your space. That’s why I name it benchmarking. You must give you a benchmark of what you may get on a median deal in your market along with your technique. For instance, for those who have been to exit and purchase a duplex in St. Paul, Minnesota, what’s the money on money return you’re going to get? What’s the financing you’re going to get? What’s the rents you’re going to get For those who don’t know that chilly, it’s going to be actually exhausting to identify these good offers. Once you’re on the market and there’s quite a lot of rubbish, however quite a lot of good offers, you want to have the ability to evaluate it to a benchmark. You must take a look at the deal in query and say, is that this higher than the common deal in my market?

Dave:
Is it worse than the common deal in my market? And if it’s higher, which it must be so that you can truly supply on it, how a lot better? Is it 5% higher? Is it 50% higher? This train, I believe to me has all the time made me really feel assured once I supply on a property as a result of I do know I’ve checked out 50 offers this 12 months in sure areas of the Midwest, I haven’t supplied on most of them, however when these come round the place it’s like, oh man, this one is best in each approach than all the opposite offers I’ve been taking a look at, that’s when you know the way to pound. So I actually advocate that you simply do that benchmarking. That’s by analyzing offers. That’s one approach to do it. The second approach is now we have a instrument, free instrument in BiggerPockets known as Greater Offers that means that you can take a look at cashflow and anticipated returns on properties.

Dave:
After which the third approach is simply speak to different buyers. Discuss to individuals in your market who’re doing offers, who’ve completed offers just lately and see what they’re getting. They’ll most likely let you know whether or not it’s on the BiggerPockets boards, atea, native mates, no matter it’s, ask them what their money on money return is, ask them what their mortgage price is. Discover that out as a result of realizing what the common is and realizing that you simply as an investor, your job is to do higher than that common, that’s going to allow you to exit and execute on these offers. So once more, that is my first hack, sort of a conglomerate hack. It’s like 5 issues in a single. I do know I’m dishonest by myself episode format right here, however I actually suppose being supply prepared is form of the important thing to leaping on good offers proper now. Once more, these issues that it is advisable do to be supply prepared to teach your self, have an amazing crew, get that pre-approval locked up and also you’re financing locked up, after which do benchmarking so that you’re in a position to determine the offers after which go execute on them rapidly.

Dave:
To me, that is going to be an enormous divider for which buyers succeed and which one simply sit on the sidelines in 2025. This week’s larger information is dropped at you by the Fundrise Flagship Fund, put money into personal market actual property with the Fundrise Flagship fund. Take a look at fundrise.com/pockets to study extra. The second hack is one thing I’ve used a number of instances within the final 12 months now, and I really feel like that is sort of the right tactic technique for 2025, at the least for me. And the way in which I strategy actual property investing, it’s known as the delayed Brr. I want a greater title for it. If anybody has title, drop it within the feedback both on YouTube or on Spotify as a result of I may use assist branding this. However mainly what it’s is the BUR methodology, which stands for purchase, rehab, lease, refinance, and repeat.

Dave:
The concept behind a burr is that you simply take a property, a rental property that’s not as much as its highest and finest use, you renovate it, you improve the capability to generate rents from it, then you definately lease it out to nice tenants, you refinance it to drag a number of the fairness that you simply constructed by enhancing that property out, and then you definately take the cash that you simply refinance and also you make investments it into the following deal. And what’s so interesting a couple of burr is that it means that you can form of recycle your cash. You’ll be able to get quite a lot of the advantages of doing a flip, however you get to carry onto the property and get that passive revenue that over time goes to snowball and make it easier to obtain monetary independence. Now, the bur methodology, lots of people have been saying that it’s useless, and I believe that’s nonsense.

Dave:
Now we have friends on this present on a regular basis who’re efficiently doing the bur, however I believe the rationale individuals suppose the burr is useless is as a result of there’s a time frame for some time when you would do that technique and you would pull 100% of your fairness invested out of a deal, and that’s fairly exhausting proper now. I believe for those who get 70% out, you’re doing nice. For those who do 80%, you’re doing wonderful, that’s nonetheless recycling 70, 80% of your capital. That’s an incredible funding you’ll be able to’t do just about anyplace else. So I’m nonetheless in personally on the Burr methodology, the way in which I’m eager about this and attempting to mitigate danger in a complicated market, however I’m nonetheless attempting to amass rental properties for my portfolio. And the way in which I’m eager about doing that’s by discovering chook offers that may work as rental properties at this time, even when I don’t do the renovation.

Dave:
So I believe it is a tactic that works notably nicely, one for individuals who have capital and don’t have to be completely optimized about recycling each single greenback that they’ve. The second is for brand new individuals. If you’re a more moderen investor, it will probably work very well to have an amazing low danger, excessive upside deal. The delayed burr is a extremely good factor to think about. Lemme simply offer you an instance. I purchased a duplex for about $250,000. The rents on the time have been about $2,200 per thirty days. So not fairly the 1% rule, however getting shut. In order that property was cashflowing. It wasn’t unimaginable cashflow, however it was fairly strong cashflow to the purpose the place I may maintain onto this deal for six months. I may maintain onto it for a 12 months or two years if I wanted to and nonetheless be incomes a greater return than I’d be incomes within the inventory market or quite a lot of different locations.

Dave:
And the rationale I like doing it’s because I purchased this property with tenants in each models they usually have been good tenants, and so I didn’t actually see a purpose to kick good tenants out of a property to spend extra money and renovate. As a substitute, what I made a decision to do is simply see when these tenants selected to go away on their very own. And after they did that, I’d replace the models in addition to I may and hopefully drive up the lease. And that’s precisely what occurred. It took a couple of 12 months and a half, and I largely put money into form of downtown areas the place it’s quite a lot of younger professionals, so the turnover is comparatively excessive. So I had a good diploma of confidence that this is able to be a 12 months or two or perhaps the primary one didn’t renew their lease after about six months. So I spent three weeks renovating.

Dave:
It was simply beauty. I didn’t want a ton. So three weeks renovating it, I drove up the rents on that individual unit. I believe it was from 1100 to 1400, in order that’s one other $3,600 a 12 months in revenue on this property with a comparatively low-cost renovation and just one month of emptiness. That’s the rationale I really like this delayed burr is as a result of for those who’re going to do it abruptly, you form of need to kick out your tenants and you’ve got danger of simply greater holding prices and better emptiness prices. This fashion it was very minimal and I may plan it very well. Then I believe it was like one other six months after that, the opposite tenant left. I did the very same factor. Proper now, my rents on this property are about $2,800 per thirty days. I believe I put a complete of 2020 $3,000 in.

Dave:
So I’m now above the 1% rule even with all of my funding that I put into the rehab, and I used to be in a position to do that in a comparatively relaxed approach. I do that stuff out of state, and so it allowed me to not have to actually nail the timing on every thing to work completely. As a substitute, it simply allowed me to do a extremely excessive upside deal, however over time with out quite a lot of the dangers of being so dependent in your schedule, that typically occurs if you’re attempting to actually recycle your cash as rapidly as attainable. I believe it is a nice technique for 2025 as a result of danger administration is important. I’m searching for optionality. As I stated earlier, I believe there’s some markets the place properties costs are going to say no by one or 2%. The labor market’s holding up fairly nicely, however there’s an opportunity we see an uptick in vacancies simply nationally this 12 months.

Dave:
And so I’m searching for methods to create optionality, and I believe the delayed burr is an effective way to seize upside. It will possibly nonetheless be a house run deal, however it offers you extra optionality and helps you mitigate danger. In order that’s my second hack for you at this time. My third hack for 2025 is take a look at secondary and tertiary markets. Now, I do know everybody needs to put money into the tremendous sizzling markets. It’s the Tampas, the Austins of a few years in the past. These are the massive attractive markets the place everybody’s shifting. They’re the headlines the place all the businesses are shifting to they usually’re nice. A whole lot of them are seeing a correction proper now, however these are nice markets with robust fundamentals. I’ve nothing towards these markets, however what I’m seeing, and I take a look at this information quite a bit, is that quite a lot of the chance proper now in 2025 lies in, I’d name it secondary or tertiary markets.

Dave:
So these are smaller cities the place they’re nonetheless robust fundamentals. Don’t get me improper. Don’t simply choose a smaller metropolis. It nonetheless must be a spot with job progress and inhabitants progress, affordability, these sorts of issues completely have to occur. However these second and tertiary cities simply are extra inexpensive. These are extra inexpensive not only for individuals, however for companies too. And also you’re beginning to see job progress pop up and speed up round a few of these smaller cities. And to me which means inhabitants will comply with and it’ll imply housing costs and rents will comply with as nicely. And I wish to clarify that in some circumstances this does imply out of state investing, however it doesn’t essentially need to be. You’ll be able to nonetheless put money into a secondary and tertiary market even for those who reside in an enormous metropolis. Only for instance, I used to reside in Denver and I invested there.

Dave:
I nonetheless do make investments there, and actually, I missed the boat on Colorado Springs. I used to be by no means even eager about it at the moment as a result of Denver was an amazing market, however Colorado Springs about an hour south of Denver, and it was a way more inexpensive worth level for lots of the time I used to be residing there and investing there, and I may have invested it in there and acquired quite a lot of appreciation upside. There are different cities near Denver like Longmont that you are able to do. There are tons of examples of this everywhere in the nation as a substitute of Cleveland, which is inexpensive, however perhaps you go to Akron or as a substitute of Nashville, you take a look at Knoxville, the financial engine that’s Denver spills over typically into these secondary and tertiary markets. The identical factor is true in different massive cities all through the nation. And so take a look at Dallas, proper?

Dave:
That’s sort of like a Megatropolis. Dallas itself has its personal factor. Fort Price has additionally grown as a product of Dallas, and so these are issues that you would be able to be eager about as an investor, whether or not you wish to do this out of state or in state. My thesis for 2 years, my investing thesis I’ve been saying is so much about affordability. I actually imagine that the defining problem and alternative within the housing market is that housing is simply unaffordable and it’s unlikely to get higher anytime quickly. And that actuality or that thesis, I ought to say, it’s not a reality, however in that actuality that I don’t suppose it’s going to get so much higher quickly. I believe it’ll get higher. Slowly over time signifies that the markets which can be inexpensive have extra room to go up. That’s the fundamental principle, and so we’re seeing this in actuality.

Dave:
The speculation has to this point confirmed true. We’ll clearly need to see the place it goes from right here, however that’s typically the hack that I’m working on myself. All proper, that was our third hack simply as a recap. Primary was being supply prepared. Quantity two is attempting the delayed burr. Quantity three was contemplating secondary or tertiary cities. The fourth hack that I’ve for you, I’m sorry I can’t keep away from speaking about this. It’s simply such hack for almost all of individuals, is proprietor occupied actual property investing proper now, the truth of the nation and truly quite a lot of the world, it’s not only a US drawback is that housing is pricey. It doesn’t matter what you do, you wish to lease, it’s going to be costly. You wish to purchase, it’s additionally going to be costly. Proprietor occupied methods are one of many few methods that you would be able to truly scale back your general residing bills, and I do know that quite a lot of very distinguished actual property buyers and educators say that your major residence shouldn’t be an funding.

Dave:
I believe that’s absolute nonsense. It’s simply not true. I’ve private proof to refute that. I believe the way in which to consider it’s that your major residence shouldn’t be all the time an funding. Some individuals exit and purchase their dream dwelling and it’s overpriced, after which it’s not an funding. That’s true, however if you wish to make your major residence an funding, you completely can do it. There are two tried and true methods to make enormous returns in your major funding. These are home hacking and the reside and flip. We speak so much about home hacking on the present as a result of it’s simply such apparent factor to do, however it’s very true when renting is tremendous costly, when possession is tremendous costly, it’s simply an effective way to offset your bills. Now, it doesn’t work in each single market. Generally in some markets, I’m going to select on LA or Seattle the place I reside.

Dave:
Generally these markets, it’s so costly simply to purchase and the rents aren’t proportionate sufficient that you simply’re higher off renting and shopping for within the Midwest or one thing like that. However I’d say for most likely 80% of markets, home hacking is a incredible approach to enhance your monetary place. For those who’re not aware of the idea, it’s mainly the place you purchase a rental property that you simply reside in, and that may both be within the type of residing in a single household dwelling, residing in a single bed room, renting out the others to roommates, doing form of the co-living mannequin. For lots of people that works as a result of it’s tremendous environment friendly. You may make quite a lot of cashflow that approach, however some individuals don’t need that life-style, and they also select as a substitute to purchase a duplex, a threeplex, a fourplex, reside in a single unit, lease out the others. That is a part of the way in which I acquired began in actual property investing.

Dave:
It’s an effective way to study the enterprise. It’s an effective way to decrease your residing bills so it can save you extra money and make investments extra sooner or later. There’s all kinds of advantages together with higher financing, and so home hacking is all the time an amazing technique, all the time an amazing tactic that you should use in actual property investing, and 2025 is totally no completely different. The opposite form of mild bulb that’s gone off for me within the final couple of years about proprietor occupied investing technique is this idea of the live-in flip. That is mainly if you purchase, once more, a property that’s not as much as its highest and finest use and also you renovate it and get it as much as its highest and finest use whilst you’re residing in it, and that may imply quite a lot of various things. Some individuals are keen to purchase a home that has a shoddy roof and there’s rain coming by means of.

Dave:
That’s not me. Some individuals are keen to simply purchase a property. The home I reside in proper now completely livable. It’s nice. Are there renovations that have to be completed? Yeah, however I can do them at my very own time and expense as I see match, and there are quite a lot of advantages to this mannequin, however the primary one is the tax advantages. You may be pondering to your self, and it’s query. It’s like, why wouldn’t I simply reside in a single home or lease a home after which flip one other home? Effectively, the tax code is tremendous advantageous for the reside and flip as a result of within the tax code it says that for those who reside in a property for 2 out of the final 5 years, so that you simply have to reside in property for 2 years mainly after which promote it throughout the subsequent three. For those who do this, you may get all of these good points out of your flip tax free, no taxes.

Dave:
It’s superb. There’s a restrict. I believe it’s two 50 for people as much as 500,000 for married couple. For those who’re making over $500,000 on a live-in flip and also you’re paying taxes, you need to be pleased. You have to be thrilled to pay these taxes as a result of you might have hit an absolute grand slam on a flip. In order that to me, the bounds on the tax deductions are actually form of insignificant. So that is simply one other tactic that you should use to decrease your individual residing bills and switch what for most individuals is like your major expense, your residing bills into an precise funding constructing fairness, tax-free fairness. That’s why I believe the reside and flip is a extremely viable choice for lots of people. In order that’s the fourth hack is owner-occupied technique. I’m agnostic. You wish to do a home hack, you wish to do reside and flip.

Dave:
Each could be nice investments. Now, let’s go to our final however actually not least hack, and it’s constructing off our fourth one, which is the proprietor occupied technique. The quantity 5 hack is to steal another person’s 3% mortgage, and by steal, I don’t imply truly steal it. I imply legally purchase somebody’s 3% mortgage. That’s most likely a greater approach to put it. However mainly the truth is everyone knows this, mortgage charges are nonetheless tremendous excessive in 2025. We’re seeing six and three quarters proper now. Hopefully they’ll come down slightly bit. However there are thousands and thousands of householders proper now who’re sitting on low mounted price mortgages, whether or not these are FHA loans, standard loans, VA loans. There are some mortgages which can be that low and are what are known as assumable mortgages. An assumable mortgage is that this actually distinctive factor that mainly permits the client perhaps you to take over the vendor’s present mortgage, together with the rate of interest, the mortgage steadiness compensation phrases.

Dave:
This isn’t the identical factor as topic to the place you’re a social gathering to an present mortgage. An ASSUMABLE mortgage is you might be truly taking up your, are getting placed on the mortgage paperwork for the brand new mortgage and it mainly permits you, as a substitute of getting a brand new mortgage at at this time’s charges, you step right into a mortgage from 2020 or 2022 when charges have been traditionally low. Now, like I stated, this one is constructing off the earlier hack as a result of for many conditions, consumable mortgages are solely obtainable for proprietor occupants. That’s not obtainable for only a common investor, it’s for home hackers. It’s for live-in flippers and even if you wish to do a short-term rental that you simply reside in a part of that is one other approach that you are able to do it as nicely, and that is simply such a recreation changer that I believe most individuals aren’t truly searching for.

Dave:
Simply give it some thought, you may get the identical property and as a substitute of paying 6.5%, you may have the ability to pay 4%. You may even have the ability to pay 3%. There are individuals on the market with mortgages at two and half %, one thing like that. These financial savings could be tons of or actually even 1000’s of {dollars} each single month in your bills and that clearly will allow you to save up extra money to take a position elsewhere. So that is such an effective way to take a position proper now if you will discover it. Now, not each mortgage is assumable, however the three issues you’ll be able to goal are FHA loans, VA loans and USDA loans, and also you wish to discover properties that have been offered from 2020 to 2022. These are the tremendous worthwhile classic of mortgages, proper? It’s like tremendous wine. You’re searching for the right classic right here, you desire a 2020 to 2022 FDA mortgage.

Dave:
That one goes to deal with you good. You’ll be able to speak to your agent about searching for these properties particularly. You’ll be able to truly ask an inventory agent. You’ll be able to ask the vendor typically within the itemizing notes today as a result of individuals know that these are worthwhile, they’ll put ’em in itemizing notes. I haven’t completed this myself, however I’ve seen in a number of the itemizing notes you sort of discover that itemizing brokers worth these properties slightly bit greater as a result of they understand how worthwhile the consumable mortgage is. However in some circumstances that may be price it. You clearly need to run the numbers and do the mathematics, however I can see eventualities the place I’d pay slightly bit extra, not like a ton extra, however I’d pay extra to get that all-time low rate of interest. If it’s a set price mortgage at 3% on an asset that I wish to personal, I’d pay slightly bit extra for that, and I don’t suppose you need to write that off.

Dave:
Now, once more, not like 10% extra, but when it’s a pair grand extra to get thatum mortgage, that’s positively going to be price it. You can most likely do the mathematics and determine for your self or when that’s not price it. In order that’s it. That’s my fifth hack for 2025 is to attempt to discover an assumable mortgage. Simply to recap, like I stated, for me personally, the massive image technique of actual property investing hasn’t modified. I’m searching for long-term investments, nice belongings I’m going to wish to personal. I’m going to be proud to personal for the following 5, 10, 20 years, and I’m going to take a position as a lot of my capital as is smart into buying these belongings. However the ways that I exploit to amass belongings, the kind of belongings that I purchase are going to alter and have modified all through my investing profession, each for the stage of my investing profession that I’m in, but additionally attributable to market circumstances.

Dave:
It’s important to react to what’s happening round you, and so these 5 ideas will hopefully make it easier to modify your ways to 2025, and once more, they’re being supply prepared contemplating the delayed brr, taking a look at secondary and tertiary cities utilizing an owner-occupied technique and looking for an assumable mortgage. After all, these are simply my 5 hacks. I’m positive you all produce other hacks that you’re utilizing, so I’d like to know them. For those who’re listening on Spotify, drop us a remark or for those who’re watching on YouTube, drop us a remark as nicely. We wish to know what your hacks are for profitable actual property investing in 2025. Thanks all a lot for listening to this episode of the BiggerPockets podcast. I’m d Meyer. See you subsequent.