What’s The New Refinance Tool That Will Change Your Investment Portfolio?

Replace Your Income Podcast - What’s The New Refinance Tool That Will Change Your Investment Portfolio?

I recently wrote a Forbes article about refinancing, which inspired the topic of this week’s episode. Allow me to set the stage real quick.

Most people think of refinancing as an expense, where the focus is on giving away money rather than earning it. Steve and I find this perspective to be incredibly limiting. 

That is why we propose a subtle shift.Kevin Clayson Quote on Refinancing Your CreditTo make the distinction, we use the term ROI refinances, and this tiny little reframe makes all the difference.

What we’ve done is we took the most common understanding of the concept, and we flipped it on its head. In doing so, we’re effectively turning from a negative mindset to a positive one.

Looking at refinances like investment opportunities is incredibly useful for replacing your income. It’s one of the easiest ways to get a great return on your investment, and we’re going to explain just why that is so, step by step, in today’s episode.

Many of us often approach financial topics from a mindset of scarcity. But just making that little mindset shift can open up a whole new world of opportunities.

Enjoy the show, and if you want to learn more about ROI refinances, we’ve set up a page on our website you should really add to your investment toolbox:


Key Takeaways

  • A brand-new perspective on refinancing (2:36)
  • People usually focus on the costs of refinancing – why is this bad? (5:56)
  • What is refinancing, and how does it work? (7:35)
  • Why is our interpretation of refinancing different? (13:16)
  • What is an ROI refinance? (breakdown + example) (14:48)
  • One of the best things about making an ROI refinance (17:29)
  • An example of how an ROI refinance works (18:50)
  • Letting go of the mindset of scarcity (22:44)
  • A story about helping my kids develop an investor mentality (25:13)
  • How have our clients benefited from ROI refinance (28:05)
  • Why is now a particularly good time to consider refinancing (29:29)

Top Quotes

“You leverage a little bit more money by increasing your loan balance through the closing cost of doing a refinance in order to get a larger return or a larger cash flow.” – Kevin Clayson

“It’s looking at it through the eyes of income replacement, not looking at it through the eyes of cost.” – Kevin Clayson

“I don’t know how (investment) rates can go any lower.” – Steve Earl

“Whenever you’re hearing the commercials saying, “Hey, this is no cost refinance!”, I guarantee you that company is not doing it for free.” – Steve Earl

Additional Resources

  • Learn more about Done For You Real Estate: VISIT HERE
  • Get a FREE Income Replacement Estimate (IRE): APPLY HERE
  • Check out our new DFY Refinance Investment Tool (FREE): VISIT HERE

SUBSCRIBE for more Replace Your Income:


If you enjoyed this episode, please rate and review our podcast. Thank you for your support!

And remember…

Income replacement for you and your family may only be one property away!

Replace Your Income Podcast - What’s The New Refinance Tool That Will Change Your Investment Portfolio?

DFY - replace your income apple podcastsDFY - replace your income google podcastsDFY - replace your income Spotify DFY - replace your income stitcherDFY - replace your income overcast

Like this post?

Share on Facebook
Share on Twitter
Share on Linkdin
Share on Pinterest
Email to Friend
Print it

read other posts...

Let’s Meet

Receive a Free and Customized Real Estate Income Estimate

Collaborate with a dedicated On-boarding Specialist who will work with you and for you, and provide a free, customized Real Estate Income Estimate (REIE). Your Estimate will show you how you can begin generating real income with simple and conservative real estate investments, one property at a time, starting right away with the resources you already have. This brief conversation will answer your questions, unlock the investment purchasing process, deliver practical ideas of how real estate “done for you” could have an immediate impact on your financial life, while providing clear guidance, and customized recommendations to assist you with your financial future. This conversation only takes a few minutes but can change the trajectory of your financial future. Enter your info to get started.
Play Video
By clicking the Schedule A Call button, I agree that I am providing authorization to Done For You Real Estate USA, The Companies, LLC, Strategic Lending, Inside Insurance, or third parties that perform functions on our behalf or for our clients, and for which The Companies, LLC may receive compensation, to contact me for telemarketing and informational purposes at the telephone number provided, even if I have previously registered on a corporate, state or national Do Not Call registry. I have authority to provide this consent because I am the subscriber of the telephone number or I am a customary user who has authority to consent to these communications. I also agree that Done For You Real Estate USA, may contact me using text messages, even if the number is connected to a service for which I am charged. I understand that I am not required to provide consent as a condition of purchase, or loan consideration or approval. Msg & data rates may apply.
Replace Your Income Podcast - Steve & Kevin Podcast Banner

Check out the new top rated

Replace Your Income


DFY Real Estate - Full Size logo (Top White & Orange)

We use cookies to improve user experience and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners, but we do NOT sell your data to any third parties. Feel free to read our Terms and Conditions and Privacy Policy to learn more.