The Best Real Estate Loans You DON’T Know About | Bigger Pockets Podcast

These investment property loans can get you a 4% interest rate, a lower monthly payment, or require very little cash at closing. They’re still available in 2025, but most real estate investors are unaware of them. We’ve used these exact strategies on our rental properties in the past, and with rates trending lower, this could be an even better time to take advantage. We’re giving you the full details in this 2025 rental property financing guide!

Low credit score or high debt-to-income? You can still invest, but you’ll need to do it wisely. Jeff Welgan is here to help. Jeff is one of our trusted investor-friendly lenders, meaning he’s used to working with rental property investors, not your standard homebuyer who buys a house every thirty years. Jeff is on the inside of the mortgage industry, meaning he knows loans that beginner investors rarely ever hear about.

Today, we’re talking about the real estate loans you wish you knew about, mortgage rate predictions and how low interest rates could go by the end of 2025 (Dave and Jeff even place a bet on it), the best beginner loans with little money down, and a sneaky way to snag a 4% interest rate while waiting for rates to get lower. 

See Jeff and Dave live at BPCON2025! 

In This Episode We Cover

A lower monthly mortgage option most investors have no clue about 

The one rental property type that investors can get a 4% interest rate on 

Low credit score? Here’s how to get a mortgage even if you’re in the 500s 

How much money to put down on your first or next rental (and what it does to your rate)

Best beginner real estate investing loans (and how to get 100% financing) 

Interest rate predictions and where Dave and Jeff think rates will be heading 

And So Much More!

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