All Forum Posts by: Ryan Thomson

Spacious and well-kept home in Colorado Springs with a low-rate mortgage option. This is a prime opportunity to secure a great deal in a desirable location!

https://shorturl.at/weY9J

DM or text me for more info!

👋 Ryan Thomson – The Assumable Guy

📞 719-624-3472

🏢 LCO Jason Daniels

0 Votes

Colorado Springs, Colorado

Classifieds

Post: 🔥 2.65% Assumable Mortgage 🔥

Ryan Thomson

#1 House Hacking ContributorPosted April 21, 2025 13:31

Real Estate Agent
Colorado Springs, CO
Posts 1,444
Votes 1,338

💰 $1,489 Monthly Payment | 💲 $350,000 Purchase Price

🛏️ 3 Beds | 🛁 2 Baths | 📏 1,674 sq ft

Well-maintained home in Colorado Springs with a spacious layout and an unbeatable interest rate.

DM or text me for details!

👋 Ryan Thomson – The Assumable Guy

📞 719-624-3472

🏢 LCO Ramona Williams

1 Vote

Colorado Springs, Colorado

Classifieds

Post: 🔥 2.38% Assumable Loan — Open to ANYONE 🔥

Ryan Thomson

#1 House Hacking ContributorPosted April 17, 2025 13:37

Real Estate Agent
Colorado Springs, CO
Posts 1,444
Votes 1,338

💰 $2,914 Monthly Payment | 💲 $419,000 Purchase Price

🛏️ 3 Beds | 🛁 3 Baths | 📏 2,253 sq ft

This home in Colorado Springs comes with a super low rate that non-VA buyers can assume too! Rare opportunity to lock in an unbeatable mortgage—perfect for both 🏡 investors & primary home buyers.

DM or text me for more info!

👋 Ryan Thomson – The Assumable Guy

📞 719-624-3472

🏢 LCO Asti Harris

0 Votes

Colorado Springs, Colorado

Classifieds

Post: 🔥 2.62% Assumable Mortgage! 🔥

Ryan Thomson

#1 House Hacking ContributorPosted April 17, 2025 13:23

Real Estate Agent
Colorado Springs, CO
Posts 1,444
Votes 1,338

💰 $2,257 Monthly Payment | 💲 $425,000 Purchase Price

🛏️ 3 Beds | 🛁 3 Baths | 📏 1,538 sq ft

Beautiful home in Fountain, CO with a super low interest rate! Don’t miss this opportunity to lock in a sub-3% loan!

DM or text me for more info!

👋 Ryan Thomson – The Assumable Guy

📞 719-624-3472

🏢 LCO Bailey Green

0 Votes

Colorado Springs, Colorado

Real Estate Events & Meetups

Post: Real Estate Investor & House Hacker Meetup

Ryan Thomson

#1 House Hacking ContributorPosted April 02, 2025 13:15

Real Estate Agent
Colorado Springs, CO
Posts 1,444
Votes 1,338

Meetup in Colorado Springs next week! It's at Goat Patch Brewery. Hope to see you there.

0 Votes

Colorado Springs, Colorado

Real Estate Events & Meetups

Post: Real Estate Investor & House Hacker Meetup

Ryan Thomson

#1 House Hacking ContributorPosted April 02, 2025 13:15

Real Estate Agent
Colorado Springs, CO
Posts 1,444
Votes 1,338

Hi BP Community!

Are you interested in joining a community of local, like-minded real estate investors designed to learn and grow together? If so, then we welcome you to join us for our meetup centered around creating community and sharing experiences related to Real Estate investing and House Hacking in the Colorado Springs area.

See you all at Goat Patch Brewing!

0 Votes

Colorado Springs, Colorado

Creative Real Estate Financing

Post: Assumable Mortgages for Investors

Ryan Thomson

#1 House Hacking ContributorPosted March 12, 2025 14:13

Real Estate Agent
Colorado Springs, CO
Posts 1,444
Votes 1,338

Quote from @Joe Homs:

@Ryan Thomson I am working with a company right now that this and FHA assumable are their focus. I am working with 20 buyers as we speak, however its way more difficult here in California and less VA/FHA inventory due to pricing. I just looked in your area and there are hundreds of homes.

Good Investing...

Hey Joe! Thanks for sharing. We should connect and share some experience!

0 Votes

Creative Real Estate Financing

Post: Assumable Mortgages for Investors

Ryan Thomson

#1 House Hacking ContributorPosted March 07, 2025 12:39

Real Estate Agent
Colorado Springs, CO
Posts 1,444
Votes 1,338

Quote from @Bradley Buxton:

@Ryan Thomson

I agree these can be a great way to get a low interest rate. We have seen a few of these deals in the Reno and Tahoe, NV area, although they are becoming increasingly rare. While such opportunities still exist, they often require a higher down payment than the standard 20% to bridge the gap between the loan amount and the purchase price. Investors looking to make the minimum down payment may find these deals less viable. Additionally, the buying process for these properties can be considerably longer.

Thanks for sharing what you are seeing! In Colorado we are seeing a LOT of properties that are much less than 20% down. The process does take about 45-90 days to close, but that extra time is well worth it for the low rate.

3 Votes

Classifieds

Post: 12k Down for a 3.8% rate. (NOT SUB TO) - Fully legal assumption for Investors

Ryan Thomson

#1 House Hacking ContributorPosted March 05, 2025 15:37

Real Estate Agent
Colorado Springs, CO
Posts 1,444
Votes 1,338

Quote from @Jordan Ray:

Quote from @Ryan Thomson:

Quote from @Jordan Ray:

Quote from @Ryan Thomson:

I'm surprised this isn't being talked about more in the BP forums. VA loans are assumable by investors! When the seller is willing to let their entitlement stay with the house anyone can assume their mortgage. This opens up a lot of opportunities for the seller to get their home sold quickly and maybe for a premium. Has anyone else done deals like this? I closed a couple last year and would love to connect with more people doing this!

This property is one of the best deals I've found and I'm looking for a buyer. The down payment is only 12k and the interest rate is 3.8%. It will cashflow. But more importantly than that you are paying 10k off in principal the first year of assumption on a 12k investment!

I have a list of about 48 properties that are currently assumable by investors. I am a real estate agent and trying to represent buyers who want to purchase these properties. I would love to connect with people who....

- are serious about investing in real estate. Who understand the benefits of loan paydown and appreciation.

- Who want a good return on their money (think 20%+ IRR) and aren't overly focused on cashflow.

- can qualify for a rental property (since this is a fully legal assumption the bank is involved the whole time and you have to qualify. But luckily the payments are so low with rates in the 2s and 3s that its not that hard to qualify.

Reach out if you would like to learn more about how this works. Let's see if we can get you a rental property for less than 20% down and with rates in the 2s and 3s!

This works if you plan to live in the property and move out then rent it out after 1 year (Rinse & Repeat). I am pretty sure your buyer wouldn't qualify if he plans to never live in the property at all. Hope this helps!

That's actually not true! I know it's crazy. But it can be assumed by an investor who never has to move in. I closed 7 like this last quarter.

How did you manage that? Mortgage fraud?

Nope! It's fully legal. Call the VA and ask them.

1 Vote

Classifieds

Post: 12k Down for a 3.8% rate. (NOT SUB TO) - Fully legal assumption for Investors

Ryan Thomson

#1 House Hacking ContributorPosted March 05, 2025 12:24

Real Estate Agent
Colorado Springs, CO
Posts 1,444
Votes 1,338

Quote from @Jordan Ray:

Quote from @Ryan Thomson:

- are serious about investing in real estate. Who understand the benefits of loan paydown and appreciation.

- Who want a good return on their money (think 20%+ IRR) and aren't overly focused on cashflow.

Reach out if you would like to learn more about how this works. Let's see if we can get you a rental property for less than 20% down and with rates in the 2s and 3s!

That's actually not true! I know it's crazy. But it can be assumed by an investor who never has to move in. I closed 7 like this last quarter.

1 Vote

Ryan Thomson has started 91 posts and replied 1412 times.

Rounded Star Post: 🔥 2.85% Assumable Mortgage! 🔥

Rounded Star Post: 🔥 2.65% Assumable Mortgage 🔥

Rounded Star Post: 🔥 2.38% Assumable Loan — Open to ANYONE 🔥

Rounded Star Post: 🔥 2.62% Assumable Mortgage! 🔥

Rounded Star Post: Real Estate Investor & House Hacker Meetup

Rounded Star Post: Real Estate Investor & House Hacker Meetup

Rounded Star Post: Assumable Mortgages for Investors

Rounded Star Post: Assumable Mortgages for Investors

Rounded Star Post: 12k Down for a 3.8% rate. (NOT SUB TO) - Fully legal assumption for Investors

Rounded Star Post: 12k Down for a 3.8% rate. (NOT SUB TO) - Fully legal assumption for Investors

Post: 🔥 2.85% Assumable Mortgage! 🔥

Post: 🔥 2.65% Assumable Mortgage 🔥

Post: 🔥 2.38% Assumable Loan — Open to ANYONE 🔥

Post: 🔥 2.62% Assumable Mortgage! 🔥

Post: Real Estate Investor & House Hacker Meetup

Post: Real Estate Investor & House Hacker Meetup

Post: Assumable Mortgages for Investors

Post: Assumable Mortgages for Investors

Post: 12k Down for a 3.8% rate. (NOT SUB TO) - Fully legal assumption for Investors

Post: 12k Down for a 3.8% rate. (NOT SUB TO) - Fully legal assumption for Investors