Having a solid understanding of historical market stats is important for investing in real estate in Wilmington. This class is Module 2 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: Should you try to “time the market” using data to increase profitability? How much are properties selling for? Do prope…

Because of the sin in the garden our world is left in a state of brokenness. The consequences were both immediate and perpetual. In this sermon Pastor Jay looks at 3 of those perpetual consequences.Dr. Jay Knolls

Having a deep understanding of the 7 key real estate investing strategies is critically important for your success as a real estate investor in Wilmington. This class is Module 1 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: The 7 ways to invest in real estate… plus 2 more bonus strategies that we do…

There's a risk to just about everything in life... including investing in real estate. One risk that some real estate investors fear is the risk of buying a property having missed important, expensive issues with the property during the inspection period. In this class, James will discuss the risk of investing in real estate and specficially the ri…

If you're going to put less than 20% down when buying a property, the lender is likely to require that you pay private mortgage insurance (PMI) to protect them in case you default on the loan. This usually applies to Nomads™, house hackers, and investors putting 15% down to acquire non-owner-occupant properties. There are 3 ways to pay PMI: Monthly…

Why is it our culture is so desperate to disprove that there is a God. It is simply that they do not want to obey God and live by God's created order. Join us as Pastor Jay walks us through creation day 6, the day that God created his most personal creation, humanity bearing the His image.Dr. Jay Knolls

There's a risk to just about everything in life... including investing in real estate. One risk that some real estate investors fear is that rising mortgage interest rates will: Increase their mortgage payment and therefore hurt cash flow, or The rising mortgage interest rates will lower affordability and demand for properties, and therefore the va…

Why is it our culture is so desperate to disprove that there is a God. It is simply that they do not want to obey God and live by God's created order. Join us as Pastor Jay walks us through creation day 6, the day that God created his most personal creation, humanity bearing the His image.Dr. Jay Knolls

We all ask the question "why?" and the older we get they become more legitimate. We start asking questions like; "Why am I here?", "Where did I come from?", "Where am I going?". We even ask questions like, "Why does evil exist?'. In this message Pastor Jay walks us through the reason why evil exists.…

In this special class about the dangers, risks and warnings of investing in real estate: The #1 fear that keeps potential landlords and new real estate investors up at night! Expert insights on why this fear is more common among inexperienced landlords and investors in challenging real estate markets. Real-life horror stories of tenants causing sig…

Marriage is not merely a social construct to be tampered with. It is a divine institution that was made before any society.Dr. Jay Knolls

Interested in learning how to analyze deals using The World's Greatest Real Estate Deal Analysis Spreadsheet™? Specifically, do you need to know how to analyze a deal purchased with an interest-only loan? In this special deal analysis, you will: Discover the secret strategy for analyzing the purchase of a rental property with an interest-only loan …

In all of creation the only thing that God deems as "not good" is that Adam was alone. Foundational to God's design is that humanity was created as social beings, as modeled by God in his Triunity.Dr. Jay Knolls

Life has risks. Investing adds new risks. Investing in real estate adds new risks specific to real estate investing. One risk that is unique to real estate investing is the risk of buying a stigmatized property or having a property become stigmatized while you own it. In this class, James will: Uncover hidden gems in the real estate market and turn…

Genesis chapter 1 gives us the events of creation, so why do we have Genesis chapter 2 that seems to say the same thing? In this sermon Pastor Jay helps us understand that Genesis 2 gives us a fuller understanding of Genesis 1 and see that in Genesis chapter 2 we get a theological perspective of man.…

Real Estate Investing Through Massive Foreclosure Periods Join us for an exclusive episode of the REFP podcast, focusing on "Real Estate Investing Through Massive Foreclosure Periods." In this enlightening episode, you'll dive into the following insights: Discover the secret to making money during economic downturns, a strategy that can set you apa…

Day 7 of creation stands apart from the other days because it is the only day to receive God's blessing and consecration. In this sermon Pastor Jay walks us through God's design for rest in the creation account and how we can use it as the blue print for rest in our own lives.Dr. Jay Knolls

Deal Alchemy™ - Debt Paydown to Cash Flow Join us for an exciting and enlightening class with James Orr as he delves into the fascinating world of Deal Alchemy™. In this class, listeners will discover a surprisingly powerful strategy that has the potential to drastically improve cash flow on rental properties. Whether you're considering buying a ne…

Why is it our culture is so desperate to disprove that there is a God. It is simply that they do not want to obey God and live by God's created order. Join us as Pastor Jay walks us through creation day 6, the day that God created his most personal creation, humanity bearing the His image.Dr. Jay Knolls

Tax Deductibility of PMI Payments Are you an owner-occupant puzzled by the ever-changing rules around PMI (Private Mortgage Insurance) deductibility? Or perhaps an ambitious real estate investor, hungry to maximize your deductions and supercharge your profits? Then this class is your golden ticket to the world of tax wisdom! Join us for an exhilara…

When we look at the account of creation the first three days are about God creating the world and the last three days are all about God filling the world he made.Dr. Jay Knolls

Functional Obsolescence Unveiled: The Silent Value Killer in Real Estate Investments—and How to Defeat It! There's a often overlooked risk of investing in reale state: obsolescence. Whether we're focused on properties that are or will become functionally obsolete or drift directly into economic or physical obsolescence... these are real-world risks…

Creation was done in a fantastically ordered way with a divine purpose. The created order not only proves God's existence, but it also allows us the opportunity to enjoy the majesty of His creation.Dr. Jay Knolls

How to Analyze an All-Cash Rental Property Purchase Deal analysis is important. Learning how to analyze deals is a critical skill for all real estate investors, whether you're financing 100% of the purchase or buying a property without a loan at all and paying all cash. In this class, we will look at how deal analysis changes when you plan to buy a…

Our Youth Pastor Dan Snyder shares some of the highlights from the Student Ministry Trip to Ecuador and shares the heart and prayer for this trip.Dan Snyder

How Return on Investment Changes Based on Credit Score With PMI Does your credit score really matter when you're buying rental properties? Sure, your credit score impacts the mortgage interest rate you can get with traditional mortgages. And yes, your credit score affects how much private mortgage insurance (PMI) will cost. Your credit score can al…

Making distinctions becomes more important as we move through the text of God bring order out of Chaos.Dr. Jay Knolls

So, are you stressing out over higher mortgage interest rates and properties not cash flowing as well as they used to, or in some markets, not having positive cash flow at all... even with 25% down? What's a real estate investor seeking financial independence to do? In this class, we will compare two strategies. In both strategies, you first buy an…

The opening verses of Genesis is important because our existence either comes from a creator or it comes from chance.Dr. Jay Knolls

So, you're considering Nomading™. Excellent! But as you dig into the details, you may wonder what the impact would be if you chose to buy a more desirable, higher quality, but maybe less optimal property at full price (without a discount), versus focusing on finding a slightly less desirable, slightly lower quality, but slightly more optimized rent…

How we understand the first 3 chapters of Genesis impacts our view of the world. It is important to remember that no matter your worldview you have to answer the question of origins.Dr. Jay Knolls

Deal Alchemy™ - Black Box Cash Flow Deal Alchemy™ is all about manipulating returns to get the returns you desire most. One variation of Deal Alchemy™ has you think about your rental property investment as a black box. You put money into the black box, some magical things happen over the next few years and out pops profit which you can spend like c…

In this sermon we look at the verse of the Bible that begins the story line of God, who He is, what he has done, and what He is doing.Dr. Jay Knolls

Warning - Risks of Rental Demand Declining When Investing in Real Estate Risk, risk, risk... Life is full of risks. To a limited degree, we get to choose which risks we voluntarily take on. For example, if you choose to invest in real estate, you choose to take on some additional risks that you might not—directly—face if you opt to invest in someth…

5 expectations for standing for truth in a post Christian world.Dr. Jay Knolls

Private Mortgage Insurance Myths Reputation can be a challenging thing. I have found, through many conversations with clients over the years, that Private Mortgage Insurance (PMI) has a questionable reputation with home buyers in general and investors in particular. However, much of its reputation is based on half-truths, bad information, lies, and…

Dr. Jay Knolls

Warning - Risks of Neighborhood Decline When Investing in Real Estate Everything in life has risks. Not investing adds certain types of risks, while investing adds other risks. One risk that some real estate investors face is the possibility that the neighborhood they're investing in will decline, causing values and/or rents to drop. So, how do we …

Where is it that your heart directed? To whom is your heart focused on?Dr. Jay Knolls

How to Analyze a Duplex Some real estate investors are sensitive to their ability to get ten 30-year fixed rate financing loans and would prefer to fill those loan spots with larger purchases than just single family rental homes. One way to do that is to buy more expensive properties like duplexes, triplexes or fourplexes. In this class, James will…

It is interesting that the first account that we get after Jesus' sermon on authentic followers is about a Roman Centurion. If you know anything about the relationship between the Jews and Roman empire you would know what makes this account interesting is that the Romans and Jews were not friendly to one another, and yet Jesus marks this Roman Cent…

How to Calculate PMI If you're a house hacker, Nomad™, investor buying properties with less than 20% down, or buying creatively where the seller has PMI, you'll want to make sure you know how to analyze deals that have Private Mortgage Insurance. In this mini-class, James will cover how to analyze deals that have PMI, with an emphasis on doing it u…

Pastor Wes shares an important reminder on the reality of Spiritual warfare.Wes Rickard

In many cases—not all, but many cases—real estate investors can speed up the time it takes to become financially independent by choosing to pay off the mortgages on their properties early. Sometimes it makes sense to take every extra dollar beyond a healthy amount of reserves and aggressively pay off properties as quickly as possible. Other times, …

Deal Alchemy™ - Residential vs Commercial Property Deal Alchemy™ is all about manipulating the returns you're earning on your investments. Often, this is done through the choices we make when selecting the investment property and the strategies we choose to implement. For example, you could choose to invest in residential properties where your tena…

As we continue to ask "Why is the resurrection so important?, Pastor Jay lays out three life changing results of Jesus' resurrection.Dr. Jay Knolls

Warning - Risks of Loan Called Due When Investing in Real Estate Investing in real estate adds some risk to an already risk-filled life. However, certain activities and strategies when investing in real estate create additional risks that other strategies and activities do not have. For example, choosing to utilize strategies where the lender has t…

How to Analyze Buying a Rental Property at a Discount in Wilmington Some real estate investors insist on only buying properties where they can purchase them at a significant discount. While not mutually exclusive, other investors insist on buying quality properties at a fair price as long as it gets them their desired returns and will stand the tes…

What was the central truth that had to be proclaimed by the church in its infancy? What was the central truth on the day the church began? What was so important that had to be preached boldly and with out apology?Dr. Jay Knolls

How to Calculate PMI If you're planning to buy a property and put less than 20% down, you're likely to be required to pay Private Mortgage Insurance. Lenders prefer that you put at least 20% down, but if you insist on putting less than 20% down, they may still make the loan. However, they will usually do so at a slightly higher mortgage interest ra…