Christian OsgoodCEO, Multifamily Strategy · CEO at Multifamily Strategy

The Importance of Choosing Your Own Debt

2 Oct 2023 · 0 min

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0:25

In this brief talk, Christian Osgood argues that investors should take control of their financing decisions rather than accepting the limited options presented by banks. He advises starting the acquisition process by redefining the pool of properties and deals based on the investor’s true objectives. Once a suitable opportunity is identified, the investor can piece together a financing structure that satisfies the seller’s goals while preserving a long-term, cash‑flowing, fixed‑rate debt position. The overall message is that self‑directed debt selection enables more strategic, goal‑aligned transactions.

When you are choosing your own debt, you're opening your mind to, I'm going to take what the bank says I can do off the table, and I'm going to look at what is my actual goal and what is it that I want to do. All the way from the beginning of your process, you're going to look at a different set of properties, a different set of deals, and when you find that opportunity, well, now you can look at your pieces and say, okay, with what I have, what could I put together to hit the seller's goals and maintain my long-term cash-flowing fixed-rate debt?