Day 70: Loan Terms Decoded Why 25 Years vs. 10 Years Matters скачать в хорошем качестве

Day 70: Loan Terms Decoded Why 25 Years vs. 10 Years Matters

In Day 70 of the Storage 100 series, Joe Downs breaks down loan amortization and explains why choosing a 25-year term versus a 10-year term can dramatically impact cash flow, qualification, and long-term flexibility. Joe explains what amortization actually means, how longer loan terms lower mandatory monthly payments, and why most commercial real estate investors prioritize cash flow over paying debt off quickly. You’ll learn the real pros and cons of a 25-year amortization, including improved DSCR, easier qualification, and better early-year cash flow, as well as the trade-offs of paying more interest over time. Joe also walks through the benefits and risks of a 10-year amortization, why higher payments can kill early cash flow, and when faster equity buildup might make sense for certain strategies. Using real numbers, Joe compares monthly payments on identical loans to show how loan term selection directly affects cash flow, lender approval, and risk. The key takeaway: you can always pay like a 10-year loan, but you don’t want to be forced into one. If you’re financing a self storage deal or evaluating loan structures, this episode is required viewing. Control your cash flow, don’t let the loan control you. 🎯 Join the Storage Moguls Community Ready to take your storage investing to the next level? Join Storage Moguls at storagemoguls.ai — a free, AI-powered learning platform with GPT tools, multi-modal learning, and content across every storage vertical. Start free. Learn at your own pace. Build real wealth. 👉 storagemoguls.ai Subscribe for daily Storage 100 episodes and real-world self storage investing education. #selfstorage #selfstorageinvesting #loans #storage100 #realestateinvesting #commercialrealestate #NOI