We sat down with a lender who tells it straight! 🏹In Episode 6, we welcome Alex Shelton from Loan Depot to the Off the Market table for our very first guest episode this season. Alex brings 14 years of residential mortgage experience in the Coachella Valley, and he does not hold back. Follow ALEX on Instagram! 📸https://www.instagram.com/alexshelton_mortgage/--What's Covered In This Episode: 1️⃣ Why your purchasing power may have already changed Interest rates jumped half a point in ten days, and if your lender hasn't called you, that's a problem. Alex explains what's driving the volatility and what needs to happen for rates to stabilize.2️⃣ The negotiation tool most buyers don't know they have Seller credits, mortgage points, and the three levers every buyer can pull to lower their monthly payment without just attacking the purchase price.3️⃣ How to start building a portfolio even if you're not "investor ready" From house hacking to DSCR loans to HELOCs, Alex breaks down the real pathways to a second property depending on where you are financially.--We barely scratched the surface, which means Part 2 is already in the works. Drop your lending questions in the comments and we just might get them answered on the next episode.⏱️ VIDEO CHAPTERS ⏱️0:00 Welcome & Meet Alex Shelton2:24 Why Interest Rates Jumped & What's Actually Moving the Market11:22 Seller Credits, Buying Down Your Rate & The 3 Levers Every Buyer Has30:14 House Hacking, DSCR Loans & How to Start Building a PortfolioJoin us every Thursday for a new episode! Tune in here on Youtube or catch a listen on Apple Podcast and Spotify! 🎧