Buy When Others Back Off: Turn High Rates Into Better Deals

When other buyers back off, YOU have more room to negotiate.

Join COIN on October 15 for an interactive conversation with Ren Gates, Loan Officer at CrossCountry Mortgage, about using seller credits and strategic financing for your next investment.

High rates have sidelined plenty of buyers. That means less competition to negotiate a deal with a seller who is motivated and who has to sell during the off-peak months - use both aspects to your advantage to get a deal that pencils!

Ren will also share how he financed his own investment property purchase a year ago and used bonus depreciation to secure a six-figure IRS refund, including what kind of loan he got and how he made the most of the off-peak market.

### What We’ll Cover

• 💰 Negotiating seller credits for meaningful rate buydowns
• 🏡 Using home equity or a HELOC to fund a purchase
• 🔑 ARMs and other lender-backed financing options
• 🧩 Using 401(k) loans or family funds and how they affect qualification
• 📊 Ren’s investment purchase, financing, and tax results
• 🙋 Your questions, deal scenarios, and financing success stories

### 🕛 Agenda

12:00–12:15 | Introductions
12:15–1:00 | Interactive Discussion + Live Q&A

### ✅ You’ll Walk Away With

✓ Ways to turn seller motivation into better financing terms
✓ A clearer comparison of price reductions and rate buydowns
✓ Financing options and tradeoffs to discuss with your lender
✓ Questions to bring to your CPA about bonus depreciation

### 📍 IN PERSON:

Thursday, October 15, 2026 | 12–1 PM Pacific
CrossCountry Mortgage
721 SW Industrial Way, Suite 120
Bend, OR 97702

### 💻 ONLINE:

Join live via Google Meet - link provided after registration!

Bring a deal you’re considering, your financing questions, or a strategy that worked for you. This is an interactive conversation for investors at any point in the journey who are ready to explore real opportunities right now.

👉 RSVP now and learn how to negotiate while other buyers sit it out!