Aaron Chapman, 21-year veteran in the financing industry focusing on real estate investing, talks about chewing the financing fat, giving the broader macro and economic perspective on the different rates—from interest to mortgage. Aaron shares how they are going to impact you as a real estate investor as well as how you can take advantage of the lending environment. He also provides his predictions about the mortgage rates over the next six to twelve months. Diving deeper, Aaron gives his thoughts into the claim that renting is cheaper than owning, while going further into the effects of inflation to the purchasing power.
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Chewing The Financing Fat with Aaron Chapman
It's my pleasure to introduce you to Aaron Chapman. He is a 21-year veteran in the financing industry with a focus on real estate investing and investors. He has a team of eleven staff members. His focus is on financing investment loans. Aaron has become a good friend of mine over the years. He's been married for years. He has four kids and he continues to volunteer with the local sheriff's department in the rescue unit and he's been doing that for years now. Aaron, welcome to the show.

Thanks, Marco. It’s good to be with you.

It's good to have you back. Aaron, we're not going to talk specifically about loan products and interest rates here. This is a broader macro and economic perspective on what rates are doing, where they've been and where we're going. How it's going to impact you as a real estate investor, how you take advantage of the lending environment and all those good things. I'm not sure where you want to begin, but a lot of people ask us the question what are rates doing and where are we headed? It's a crystal ball question sometimes, but why don't you start off by giving us some commentary on that?

That is a very common question for myself. That question does route its way through your team quite often. That is something I've tried to spend a lot of time understanding. It's the point that I've had some people come up to me after presentations where I speak publicly is that, “What is it you do again? Are you an economist or are you a wealth management guy?” I go, “I'm a lender. I do a regular Fannie-Freddie mortgages, the 20% down stops. If you're looking to buy houses for investments, single-family, a duplex, triplex, fourplex, there are other options we've got beyond that that I've access to and even beyond the ten finance properties of Fannie Mae. We’ve got some cool 30-year loans with that. That's what breads my table, but I find it's necessary that a person in my position should understand what's driving that market. What's driving the interest rates? What would we expect as real estate investors because I'm an investor myself for the future?” The way that I answer that question is to go backwards, to understand what has created this whole process to begin with. You've seen The Big Short?

It’s a great movie. I watched it three or four times.

I've seen it ten or twelve times. I've got it on every one of my electronic devices. I've got it on my phone. I can go to my Google account. I've got it downloaded on there, so if I'm on a plane or an airport, I can go watch it again because there are tons of little good nuggets in there.