All Forum Posts by: Amber Turner

@Jay Hinrichs yeah. The equity some have there is crazy, and then they come to my area and pay cash for investment properties, and obviously increase our housing prices since they will pay more for the homes . I am off of 99. I wish my bank would allow my husband and I to purchase two a mouth haha! We would love to buy more, actually commercial, but thats hard to find. Therefore, we started investing into syndication deals.

@Jay Hinrichs I enjoyed the article. I live in Turlock, which is about 20 miles east of Patterson. But Bay Area people move to the Turlock/Modesto/Manteca area also and commute to work once the housing prices rise in the bay. We usually know the market is getting towards the top (maybe a few years out) around my area once the Bay Area residents start moving over here. However, new developments aren’t going up like the last cycle.

@Simon Stahl There are other ways to qualify. Although in my opinion, one should qualify based on their experience, more than how much money they make. I know wealthy people who are not real estate smart and also have a ton of debt. Obviously one needs some cash/equity, but I think it is ridiculous that one can’t make 150k, or have 500k in equity in multiple rental properties, and still wouldn’t be qualified.

I forgot to add, we are on what my program calls a brothers keeper program, so I pay like an extra $40 a quarter, so my Benefits are not capped; they pay unlimited. 

I actually know someone with cancer on my healthcare program and they paid for it. THey actually do pay for a lot; they have paid for everything I have submitted including blood work and surgery. Not to stay they don’t pay for some stuff and neither does “traditional healthcare”. I have had babies on “traditional” heath insurance and they didn’t want to cover some of that either. It isn’t perfect, as neither is traditional healthcare. But in my personal experience and many others I know on certain programs, have all saved a lot of money by not paying a ton in premiums. The ones that I know of are Christian based. So it is true that if you have a baby out of wedlock or a few certain other criteria, they won’t  pay for it. You just have to check into the details of each program since they all work a little differently .

My family, family of five, is on Christian healthcare. We have been on it for about 3-4 years. We have many friends on ours or similar ones. There are a few major ones. You just have to research their options. Some won’t pay for pre-existing conditions. They all work a little differently. Ours you pay the first $500 per incident and then they will pay. However, if you get a discount for being a cash paying patient, that gets deducted off the $500 you would owe. We haven’t had an issue. And they have paid many bills. Others work more like traditional healthcare and your bills get sent straight to the healthcare sharing programs. I have to submit my own to the program. I save a ton of money! Our premium would normally be about $1500-1700 a month! Which is insane to me. We now pay I think $500 a month.