Dave Meyer · BiggerPockets Real Estate Podcast · 6 (Real) Ways to Get a 6% Mortgage Rate in 2027
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use a portfolio loan from a credit union or small bank to avoid the 2% concession cap and obtain larger buy-downs
$20,000 concession can buy five discount points (1.25% rate reduction)
“Credit union loans for vehicles are much cheaper, much cheaper than you get from the dealer normally unless there's a factory subsidized deal. And significantly lower than you're going to get from a bank on a vehicle loan.”
“Theflagshipreport.com is we've got an income portfolio on there and some small capital value stuff. And preferred stocks. The banks, that's on my sub stack, the community bank investor.”
“Seller rate buy downs, assumable loans, seller financing. There's a, there's a handful of other things, but it has to come with brutal honesty first.”
“From 1926 through 2025, a diversified portfolio… S&P 500 generated a return of about 10.5% a year. Small cap… 12.66% a year”
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