Episode 368: How to Unlock Better Loan Options for Real Estate Investors, Agents, and Veterans, with Terry Roberts
In this episode of the Massive Passive Cashflow Podcast, Gary sits down with Terry Roberts, a seasoned mortgage broker with over 15 years of lending experience and a deep specialization in VA loans, investor financing, and non-traditional mortgage strategies.
Terry shares his powerful journey—from homelessness, being a high school dropout, and a teenage father, to serving nine years in the U.S. Marine Corps and ultimately becoming a nationwide mortgage broker with access to 160+ lenders. His unique background in military leadership, business operations, and mortgage innovation gives him a rare perspective on how financing really works behind the scenes.
Throughout the conversation, Terry breaks down why working with a mortgage broker vs. a retail bank loan officer can dramatically expand financing options for buyers and investors. He explains how veterans can strategically use VA loans to acquire duplexes, triplexes, and fourplexes with little to no money down, how eligibility truly works, and how military families can build long-term wealth through real estate.
We also dive deep into investor-focused loan programs most agents don’t even know exist—such as asset depletion loans, rental-income-based financing, and loans that don’t require tax returns, W-2s, or traditional income documentation. Terry explains how these options open doors for 1099 earners, real estate agents, retirees, developers, and foreign investors looking to invest safely in U.S. real estate.
The episode wraps with a candid discussion on interest rates, Fed rate cuts, the 10-year Treasury, refinance strategies that actually make sense, and why trying to time the market often costs investors more in the long run.
Whether you’re a real estate agent, investor, veteran, or buyer trying to navigate today’s complex lending landscape, this episode delivers clarity, strategy, and practical insights you can apply immediately.
What You Will Learn:
- How mortgage brokers unlock better loan options than traditional banks
- The real difference between a broker and a retail loan officer
- How veterans can use VA loans to build wealth with little to no money down
- Using VA loans for duplexes, triplexes, and fourplexes
- How VA entitlement actually works (and why it’s not based on property count)
- Investor loan options that don’t require tax returns, W-2s, or pay stubs
- How rental-income-based loans work for investors and 1099 earners
- Asset depletion loans for retirees and high-net-worth investors
- Financing strategies for real estate agents who can’t qualify traditionally
- Loan options for land, development, and mixed-use projects
- Can foreign nationals invest in U.S. real estate? (Yes—and how)
- Why Fed rate cuts don’t directly control mortgage rates
- Why the 10-year U.S. Treasury matters more than Fed announcements
- When refinancing makes sense—even if your interest rate increases
- How refinancing can eliminate high-interest debt and improve cash flow
- Simple ways to lower monthly payments without refinancing
- Why relationships—not transactions—drive long-term success in real estate
Links & Resources:
Facebook: https://www.facebook.com/TerryRobertsNMLS397987
Instagram: https://www.instagram.com/mortgagetipdaily
LinkedIn: https://www.linkedin.com/in/terrydroberts/
Youtube: https://www.youtube.com/@mortgagetipdaily
Website: terryroberts.com
Email: troberts@emortgagecapital.com
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