Скачать или смотреть Do Falling Mortgage Rates Force Lower Seller‑Finance Rates?

Mortgage rates dip, and every buyer asks: “Can I get that lower rate too?”
Not so fast. Attorney‑investor Scott Horne explains why 80 %+ of borrowers still can’t qualify for bank loans— and how savvy investors adjust seller‑finance terms when conventional rates slide.

In this video
Rate math that matters: rentals or mortgages
Pricing your payment (PITI) at 110–120 % of market rent
When a 10 %+ note triggers extra Texas rules
How lower bank rates affect your cost of funds, not buyer demand
Answering buyers who say “the bank will give me 6 %”

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Chapters
00:00 Intro – Rates Falling, Now What?
00:32 Mortgage vs. Rental Market Drivers
00:55 Rental Spread: 110–120 % Rule
01:25 Backing Into Your Interest Rate
02:04 Texas Caps: 10 % & 12 % Issues
02:40 Payment First, Rate Second
03:03 Bank DTI vs. Investor Flexibility
03:41 Why 80 % Still Can’t Qualify
04:25 Lower Rates = Cheaper Capital for You
05:35 Handling Buyers Asking for 6 %
06:59 Key Takeaways & Outro

Scott Horne has been a real estate, title attorney, and investor for over 30 years. Over this time, he has purchased, rehabbed, and sold over 7,000 single family homes. Through his companies and law office, he has transacted over 10,000 creative finance deals. Scott’s experience as both an attorney and an investor puts him in a unique position to help you navigate this tricky business every step of the way.

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1. The Subject To Academy
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2. Everything You Need to Know About Liens
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3. Scott Horne’s Owner Finance Real Estate Investment Training
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4. 1 Day Recorded Training on Owner Financing
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5. Owner Financing for Realtors
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1. Legal Services
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2. Title Services
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3. Note-Pro Services
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4. RMLO Services
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5. Loan Servicing
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