Beaverton Farmer’s Market – Shawn’s Saturday Vlog #1

Beaverton Farmer’s Market – Shawn’s Saturday Vlog #1

Checking out Beaverton Oregon Saturday farmer’s market!
Every Saturdays April-November 19th, 8:30am – 1:30pm.

Featured vendors in this video:

Mason Hill Cattle:
2 Angry Cats Hot Sauce:
Puppernickel Doggy Bakery:
Golden Drops:
Lionheart Coffee:

Support local business!

beaverton real estate market

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3% vs 20% Down Payment

Putting 20% down payment can hurt you financially in the long run when the interest rate is low….

Young buyers should reconsider putting the standard 20% down payment towards buying a house because interest rates have dropped significantly over the years. I suggest holding onto the money to build wealth through financial freedom rather than dropping it all to meet the 20% rate. As long as interest rates stay low, paying for private mortgage insurance (PMI) is more economical in the long run. Following Portland market trends, property value will likely rise year by year, the loan amount (96.5% of the purchase price, assuming 3.5% Downpayment) will be less compared to future inflation adjusted worth. By not paying the down payment to avoid PMI, the buyer can use leftover funds for other investments such as index funds, stocks or real estate to increase wealth with time. Especially for first-time buyers, leveraging capital through other investments is more economical due to the currently low-interest rates, allowing options when considering down payments on a new home.

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The content in any of Shawn Yu (Shawn Realty) Youtube videos or this website shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other & may be outdated or inaccurate; it is your responsibility to verify all information.

This website and Youtube videos are for entertainment purposes ONLY. IF stocks, real property or companies are mentioned, DO NOT make buying or selling decisions based on Shawn’s videos. If you need advice, please contact a qualified CPA, attorney, insurance agent, contractor/electrician/engineer/etc., financial advisor, or the appropriate professional for the subject you would like help with. Any use of other media is by fair-use or license only. Shawn Yu & Shawn Realty is a licensed principal real estate broker/brokerage doing business in Oregon. This may include an advertisement of property for sale represented by Shawn Realty. Any mention of properties listed or sale or otherwise shall not be construed as anything other than an opinion for entertainment purposes and/or advertisement of Shawn Realty representing parties only. Shawn Yu is not a CPA, attorney, insurance, contractor, lender, or financial advisor.

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Paying off mortgage fast!!??

In this video, I’m sharing 3 ways to pay off the mortgage faster. Also, I talk about why you would want to pay off the mortgage fast and when you wouldn’t want to do that. It depends on your current “life stage” and your financial goals. The answer isn’t as black and white because every individual’s situation can be different (just like in every finance situation). But, I’ll try to make it easier to follow.

  1. Current monthly payment + Extra (example $200/month): 25.3 years to pay off and save $96,125.72 in total interest payment.
  2. Bi-weekly payment: 26.5 years to pay off and save $71,607.82 in total interest payment.
  3. Bi-weekly payment + Extra: 22.4 years to pay off and save $153,334.14 in total interest payment.

Based on loan amount $400,000, 3% interest rate, 30-year loan payment (principal and interest)

Financial calculator:
Property evaluator:
Here’s my book recommendation on real estate investment. Hold by Gary Keller:
Other Youtubers I learn from:
Graham Stephan: BiggerPockets:

Active investor (should-be-active investor): I mean that if you are under 35 years old and making income and want to invest for the next 20+ years and take some risks because the longer time in the market can overcome shortcomings. There are better ways to use extra income toward other investments rather than paying toward your mortgages, such as stock or the real estate market. If you can make +7% in your other investments and pay 3% toward your mortgage, your net gain is 4% which is obviously better.

Passive investor (want-to-retire-soon investor): someone who has been investing for a while and additional investment is not necessary; you might want to pay down the mortgage faster, so you can reduce monthly living expenses. Or you just want peace of mind. If you lose sleep because you are worried about your investment losing value, no matter how great that portfolio might be, you wouldn’t want that. At least, paying off a mortgage faster can work as paying 0% than -3% that you pay to the lender.

Opportunity cost: That extra $200/month can go toward paying down your mortgage faster or invested toward something else that can yield more return. The more time you have, the better it will work for you. Because of the compound effect that gets amplified by time in positive or negative directions.