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Welcome to Smart Real Estate!
Hi everyone, it’s a joy to be on the Skool platform with you all. For the past 40 years I and my company, International Capital Group (ICG), have worked with tens of thousands of people aspiring to build generational wealth for themselves and their families. As a real estate education and services company we have helped our members: teachers, doctors, lawyers, truck drivers, nurses, executives, Silicon Valley tech people, and more, to make their first investments into single family rental homes. Many of our members have gone on to purchase 3, 5, 10, 20 or more houses with our help. We like and encourage people to start small with just one home. We simplify the process, and support our members the entire way; each home is a building block on the path to creating a foundation of wealth and financial independence. This has allowed thousands of our investors to retire early, put their kids through college, and know that they have a financial legacy to leave their family. We enable them to accomplish it, regardless of how busy they are with their careers, families and the general pressures of daily life. I am delighted to be here to share our experience and methods with the Skool community through our courses and content, and to begin a dialog with those interested in learning more. We invite you to look around and check out the various resources we have provided you. A great starting point is my TedX talk from 2023, which has garnered over 1 million views to date, and which you can watch here, or can be found in our “Resources for Further Learning” section. Complimentary Registration for Skool Members for the upcoming ICG Expo September 12, 2026
Welcome to Smart Real Estate!
My Thoughts On Washington's New Housing Bill & Investors
🚨SPECIAL ANNOUNCEMENT: Skool community members of Smart Real Estate, don't miss out on our upcoming COMPLIMENTARY 1-Day Online LIVE Expo – Saturday, September 12, 2026, 10am - 2pm PST. You can register here: https://icgre.com/event/ It's a chance for you to learn from experts in the single family home real estate industry. Hear from lenders about great loans for those with under 10 properties, over 10, and those just starting out. We always include networking and Q&A with our team of experts. Plus teams from the most relevant markets will present with real estate deals ready to move; updates and forecasts will be discussed.
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My Thoughts On Washington's New Housing Bill & Investors
Make Inflation Your Best Friend: Here's Why Now Is The Time To Buy!
🚨SPECIAL ANNOUNCEMENT: Skool community members of Smart Real Estate, don't miss out on our upcoming complimentary 1-Day Online LIVE Expo – Saturday, September 12, 2026, 10am - 2pm PST. It's a chance for you to learn from experts in the single family home real estate industry. Hear from lenders about great loans for those with under 10 properties, over 10, and those just starting out. We always include networking and Q&A with our team of experts. Plus teams from the most relevant markets will present with real estate deals ready to move; updates and forecasts will be discussed. You can register here: https://icgre.com/event/
Make Inflation Your Best Friend: Here's Why Now Is The Time To Buy!
Q: Should I put a higher down payment so I get a slightly better interest rate?
A: As we have discussed, the 30-year fixed rate loan is very special. By never changing with the cost of living (neither the PI payment nor the loan balance, which also goes down with amortization), the loan becomes a “gift” over the long term. Inflation constantly erodes the true value of your debt. It is not uncommon to see that after 14 years or so, your loan balance is a mere 20-25% of the home value. That is a life-changing situation, as some people sell a couple of homes, pay capital gains, and use the proceeds to pay off the remaining small loans. Once there are several free and clear homes, financial lives are changed. Since we consider the 30-year fixed rate loan to be a sort of a gift, why would we want to make the gift smaller? I would say that no more than 20% down payment should be used. Some people may consider putting only 15% down (the minimum allowed), with PMI (Private Mortgage Insurance). I should add that in the past few years, putting 25% down has become “the norm”, so talk to your lender. It never fails that, when I talk to people a dozen years down the road, they say “I should have bought more homes”. Using less for a down payment frees up your cash to actually buy more. This, in my opinion, far exceeds the slight benefit of a somewhat lower interest rate, especially when rates are so low to begin with.
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Q: Should I put a higher down payment so I get a slightly better interest rate?
👋 Hello everyone, I’m Celine Dupont
I’m new to the community, so I wanted to take a moment to introduce myself and say hello. 😊 I’m currently building a small business focused on helping people who are looking to start and set up their own businesses, particularly with things like business formation, getting started properly, and setting up the basics they need to move forward. I’m still growing and developing professionally, but I genuinely enjoy helping people who are at the beginning of their entrepreneurial journey. So I thought I’d reach out here and see if there’s anyone in the community who might be interested in having a quick conversation or getting some help. If you're currently thinking about starting a business, formalizing an existing one, or simply don't know where to start, feel free to drop a comment below or send me a message. I'd be happy to connect and see if I can help. 🤝 Looking forward to getting to know everyone and learning from the community! Celine
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Smart Real Estate
skool.com/real-estate-riches-2978
Real estate investment community, courses and content, lead by one of America's leading experts in real estate investment of 40+ years, Adiel Gorel.
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