518 | Beware Of The Mortgage Rate Trap - The One Question Investors Need To Ask About Their Existing Rentals

Sitting on a rental property with a mortgage rate around 4% may be holding you back from asking the most important question... "What's the best financial outcome I can create?" On this next Not Your Average Investor Show, Gregg Cohen and Pablo Gonzalez break down a real portfolio decision Gregg recently modeled for a longtime JWB client with roughly $2 million in equity. Does it make sense to keep several sub-4% mortgages in place, or refinance at a higher rate, unlock equity, and use it to buy more rental properties? They’ll break down: ✅ Why a low mortgage rate shouldn’t be evaluated by itself ✅ How Gregg compared keeping the existing loans versus refinancing and buying more properties ✅ Why the higher-rate strategy projected nearly $1 million more over 10 years in this specific client scenario ✅ How an investor’s timeline can change whether unlocking equity makes sense If you’ve built significant equity in your rental properties but aren’t sure whether you should leave it alone or put it back to work, this episode will give you a better framework for thinking through the decision. Listen NOW! Chapters: 00:00 Beware Rate Trap 01:33 Show Welcome Banter 02:18 Justine Rent Update 05:22 Quarterly JAX Events 09:11 Dormant Equity Explained 16:22 Mortgage Rate Trap Setup 18:56 Client Case Study Intro 20:43 Portfolio Returns Breakdown 22:22 Equity Snapshot Reality 29:12 Refi Plan Framework 35:25 Equity Pull Decision 36:43 Risk And Cash Flow 37:24 Running It Back 39:18 Redeployment Plan 41:36 Year One Snapshot 42:50 Reserves And Tradeoffs 46:40 Ten-Year Outcome 50:46 Rates And Retirement 52:50 Scenario Planning Tools 56:01 Q And A Financing 01:01:11 Rentals For Stability 01:04:59 Next Week And Wrap Stay connected to us!  Join our real estate investor community LIVE:  https://jwbrealestatecapital.com/nyai/ Schedule a Turnkey strategy call:  https://jwbrealestatecapital.com/turnkey/  *Get social with us:* Subscribe to our channel  @notyouraverageinvestor   Subscribe to  @JWBRealEstateCompanies   🌐 Facebook Group - https://www.facebook.com/groups/rentalpropertyinvesting 📸 Instagram - https://www.instagram.com/nyai_community 📸 Instagram - https://www.instagram.com/jwbrealestatecompanies