Low mortgage rates, sneaky homebuying strategies, and getting into (and out of) debt, Lindsey Iskierka's story has it all. As the lead real estate agent on the SoCal David Greene team, Lindsey is in the thick of real estate day in and day out. But she’s not just helping others buy and sell homes, she also boasts a respectable rental property portfolio, with four units sprawled out across the states in three completely different markets. And even though Lindsey is in the real estate game now, it wasn’t always this way.Back in 2015, Lindsey wasn’t making much after getting her grad degree. With her husband interested in real estate, they decided to go to a seminar, which later turned into a $40K debt they had to climb their way out of. Lindsey decided to get her real estate license to not only help pay off this debt but save enough to buy their first home—a house hack in Long Beach. It didn’t take long for the home to appreciate, leaving Lindsey and her husband with a hard choice—sell or refi the property.We won’t spoil the story, but her choice allowed her to buy multiple other units across the country, which has now become a portfolio of short-term and medium-term rentals. Lindsey also gives some killer advice on how first-time homebuyers and investors can snag rock-bottom mortgage rates in 2023. We’re talking two percent lower than today’s rate! If you want to hear how you can lock in a rate below five percent, we suggest you stick around!In This Episode We CoverAre real estate courses ever worth it, and how much they actually costThe new 2-1 buydown mortgage that'll get you a much lower interest rateGetting past your “worst-case scenario” and how doing so can help you build much biggerThe 1031 exchange explained and using it to multiply your rental property portfolioLong-distance real estate investing and why turnkey rentals may be a better choiceThe VASH program investors can use to help veterans who need housingWhy buying at today’s rates and prices can “only get better” as you holdAnd So Much More!Links from the ShowFind an Investor-Friendly Real Estate AgentReal Estate Rookie Facebook GroupBiggerPocketsThe Real Estate PodcastBiggerPockets EventsBiggerPockets InstagramThe Real Estate Rookie PodcastGoBundance WomenPriceLabsGuestyAirbnbThe One BrokerageDavid Greene's Website Connect with Lindsey:Lindsey's BiggerPockets ProfileLindsey's InstagramCheck the full show notes here: https://www.biggerpockets.com/blog/rookie-247Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.