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How to Use Other People’s Money to Buy Real Estate in Orange County

Using other people’s money to buy real estate in Orange County will allow you to buy more lucrative investments than you otherwise could. 

There are a number of options you have to consider if you aren’t starting from a position of having a lot of capital to spend–read on as we explore how you can use other people’s money to buy real estate in Orange County. Please note that this article is for informational purposes, not financial or legal advice.


Government-backed, conventional, or private loans are common ways to use other people’s money to buy real estate in Orange County. However, you must compare the rates and fees of each and consider the repayment terms to take advantage of the best offers available. Currently, the interest rates for 30-year fixed-rate conventional loans average 6.79 to 6.85%, and the interest rates for 15-year fixed-rate conventional loans average around 6.12. Of course, these rates can vary depending on your circumstances. The requirements of each type of loan may vary greatly; however, they typically require borrowers to have a minimum credit score, a certain level of assets, and reliable income. You’ll also need your savings, with enough to make a downpayment, 


Joining together a group of compatible investors, leveraging the expertise of other investors, and pooling financial resources with a shared goal and strategy is one way to use other people’s money to buy real estate in Orange County. Considering these factors will help you build a great team; agree beforehand on how the partners will handle disputes and get everything in writing. It’s also important that your lines of communication remain open and transparent and that you can be honest about shortcomings or mistakes. Finally, of course, you’ll need to learn more about their goals and vision for the partnership to ensure a good fit and that they have experience, a good reputation, a strong work ethic, and are financially sound.

Seller Financing

Sellers who are willing to finance create an excellent opportunity for you to use other people’s money to buy real estate in Orange County. In addition, these sellers provide an option for those credit issues or other states of affairs that cause them to be unable to obtain other types of loans. Sellers offering to finance are often more willing to work with buyers on the loan terms; however, they will remain in control of the property and hold ownership until the buyers have fully repaid the loan, which you must carefully consider. Remember, it is always advisable to have a professional review of the documents for any financial agreement before signing.

Hard Money Loans

Hard money loans are short-term loans typically used by investors who need or prefer to use other people’s money to buy real estate in Orange County. Private lenders or companies more willing to take on the risk, like buyers with credit issues or properties needing severe repairs, typically offer loans. However, hard money loans come with higher interest rates and fees, shorter repayment periods, and higher payments and risk. In addition, your hard money loan may not be subject to the same consumer protections and regulations as conventional loans. In addition, if there are issues with repaying the loan, the lender will foreclose on the property.

Professional buyers at H&M Realty Group can help you understand all you need to know about using other people’s money to buy real estate in Orange County. The professional buyers at H&M Realty Group are happy to answer questions about getting started or issues holding you back without obligation; let us help you over the hurdles. Our professional buyers are seasoned local experts who want to help. Don’t forget to ask about our current inventory of the best real estate available in Orange County. Call H&M Realty Group at 949-625-4533.


Broker/Realtor/Investor/Mentor (41 years experience) Specialties: Buyer's Agent, Listing Agent, Foreclosure, Short-Sale, Property Management, Landlord I'm a Full Time Real Estate Professional, house flipper and mentor to many of my clients. I am here to help you get top dollar for your home or get you the best price for a home that you are going to live in. I have over 40 years of real estate experience for you to draw on and actively list and sell over 20 homes a year. I have sold over 600+ homes in the last ten years alone. I am a very skillful negotiator and will work diligently to help you realize the best possible price when buying or selling your home. With my Exclusive Home Acquisition & Sales System, I can find the Right Home for You! I have access to homes no other Realtor will show you. I can show you how to save an average of $10,000.00 on the purchase price. We will find a home that fits your needs, in a neighborhood that suits your style. If you are selling your home then I can bring all the professionals to you. I always include professional photos in ALL my listings. I have contractors standing by to assist with those upgrades if needed. I can also quickly get you ALL CASH offers for your home if you desire. My marketing surpasses all other agents. It begins with extensive internet advertising to hundreds of websites throughout the world. I do direct mail marketing for you home and also knock on doors in your neighborhood when I am holding an open house. I hold you home open to expose it to as many buyers as possible. My Exclusive program is designed to sell your home for Top Dollar in Any market. I am an experienced flipper here in Orange County and therefore can offer you my over 40 years of real estate experience. The information is available to you at no charge! If you like what you see, please call me and setup Your Free Consultation.

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