As a real estate professional, I am always looking for ways to help my clients save money and make the most of their investments. That's why I've developed a concept that I call "transaction hacking."

Transaction hacking is all about analyzing the four elements that are required to make a loan work: property, income, credit, and assets. By looking at these factors, I can design a transaction that will ultimately put my clients in a much more advantageous position.

For example, I recently worked with an elderly couple who owned a home in California and another property in New Mexico. The husband wanted to refinance the New Mexico property, which was an investment property, but unfortunately, I am not licensed to do business in that state.

However, when I asked him about his California property, I found out that he had a lot of equity built up in it. That gave me an idea. I suggested that we do a cash-out refinance on the California property and use the money to pay off the New Mexico property.

By doing this, the husband would get a better interest rate since his California property was his primary residence, and he would end up saving approximately $1200 a month on his mortgage payments. It was a win-win situation that wouldn't have been possible if we had just focused on the New Mexico property.

Transaction hacking requires a bit of creative thinking and a thorough understanding of the loan process, but it can be an extremely effective way to help my clients save money and make the most of their investments.

So if you're looking to refinance, purchase a new home, or invest in real estate, don't be afraid to think outside the box and consider all of your options.