Podcasts about Adu

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Paul Dashevsky. A serial entrepreneur, real estate investor, and founder of Maxable. The discussion centers on the growing popularity of Accessory Dwelling Units (ADUs), commonly known as tiny homes, granny flats, or backyard homes. What begins as a conversation about Amazon selling tiny homes for under $50,000 develops into a broader discussion about housing affordability, rental income opportunities, caring for aging parents, property value enhancement, and the importance of properly planning and permitting ADU projects. Purpose of the Interview The interview aims to: Educate homeowners about ADUs and their benefits. Explain the realities behind purchasing and building tiny homes. Highlight how ADUs can generate income and increase property value. Provide guidance on avoiding costly mistakes when building an ADU. Explore the role ADUs may play in addressing housing shortages and affordability challenges. Key Takeaways 1. ADUs Are Not Necessarily Tiny Dashevsky explains that ADUs can range from very small structures around 150 square feet to homes as large as 1,200 square feet. Many modern ADUs are between 600 and 800 square feet, making them practical living spaces for singles, couples, retirees, and small families. 2. Housing Costs Are Driving Demand One of the main reasons ADUs are becoming popular is the rising cost of traditional housing. Many cities and states have updated regulations to allow homeowners to build secondary housing units on their property as a way to increase affordable housing options. 3. ADUs Offer Multiple Uses Dashevsky emphasizes the flexibility of ADUs, which can serve as: Rental properties Housing for aging parents Caregiver or nanny quarters Home offices Music studios Yoga studios Guest houses Retirement living spaces 4. ADUs Can Produce Rental Income Many homeowners build ADUs specifically to generate revenue. By renting out a backyard unit, owners can: Offset mortgage payments Create passive income Build long-term wealth through real estate 5. Buying an Amazon Tiny Home Is Not as Simple as It Seems One of the biggest misconceptions discussed in the interview is that a tiny home purchased online is move-in ready. Dashevsky points out that homeowners still need: Site preparation Foundations Utility connections Building permits Contractor assistance Inspections The advertised purchase price often excludes many of these costs. 6. Contractor Selection Is Critical After renovating and building more than 350 homes, Dashevsky warns listeners that hiring the wrong contractor can be financially devastating. He stresses the importance of: Researching contractors Checking references Verifying licenses Avoiding high-pressure sales tactics Getting multiple bids 7. Permits Matter Dashevsky strongly advises homeowners not to build ADUs without proper approvals. Legal construction provides: Better resale value Occupancy certification Rental eligibility Safety compliance Protection from future legal issues 8. ADUs Can Increase Property Value According to Dashevsky, adding a second rentable dwelling generally increases a property's value because it creates an additional income-producing asset. For many homeowners, an ADU becomes both a lifestyle improvement and an investment vehicle. 9. ADUs May Help Address Housing Challenges The interview concludes with a discussion about homelessness and affordable housing. Dashevsky highlights examples where local governments encourage ADU construction as a way to increase housing supply and create more affordable living options. Memorable Quotes On Housing Affordability "Housing's too expensive. We want options for all sorts of folks." On the Appeal of ADUs "The use cases are really significant and interesting." On Rental Income "I want to build a home in my backyard because I want some rental income." On Contractor Selection "You better do your homework." On Avoiding Contractor Scams "Don't trust that guy that just comes in your door and sweet talks you." On Amazon Tiny Homes "What you're buying is just a bunch of parts." On Permitting "Go down to your city's building department and ask them what they need from you so you can get it permitted correctly." On Real Estate Wealth "If you invest in real estate, if you have one rental unit, two rental units, that's a great way to build wealth." On Property Value "I think you add a tiny home or accessory dwelling unit to your property, you're only enhancing the value of that property." Executive Summary Paul Dashevsky's core message is that ADUs are far more than a housing trend. They are a versatile real estate tool that can generate income, provide housing for family members, increase property value, and expand affordable housing options. However, homeowners should approach ADU projects thoughtfully by researching regulations, working with qualified contractors, obtaining proper permits, and understanding the true costs involved before making a purchase. #BEST #STRAW #SHMS Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Paul Dashevsky. A serial entrepreneur, real estate investor, and founder of Maxable. The discussion centers on the growing popularity of Accessory Dwelling Units (ADUs), commonly known as tiny homes, granny flats, or backyard homes. What begins as a conversation about Amazon selling tiny homes for under $50,000 develops into a broader discussion about housing affordability, rental income opportunities, caring for aging parents, property value enhancement, and the importance of properly planning and permitting ADU projects. Purpose of the Interview The interview aims to: Educate homeowners about ADUs and their benefits. Explain the realities behind purchasing and building tiny homes. Highlight how ADUs can generate income and increase property value. Provide guidance on avoiding costly mistakes when building an ADU. Explore the role ADUs may play in addressing housing shortages and affordability challenges. Key Takeaways 1. ADUs Are Not Necessarily Tiny Dashevsky explains that ADUs can range from very small structures around 150 square feet to homes as large as 1,200 square feet. Many modern ADUs are between 600 and 800 square feet, making them practical living spaces for singles, couples, retirees, and small families. 2. Housing Costs Are Driving Demand One of the main reasons ADUs are becoming popular is the rising cost of traditional housing. Many cities and states have updated regulations to allow homeowners to build secondary housing units on their property as a way to increase affordable housing options. 3. ADUs Offer Multiple Uses Dashevsky emphasizes the flexibility of ADUs, which can serve as: Rental properties Housing for aging parents Caregiver or nanny quarters Home offices Music studios Yoga studios Guest houses Retirement living spaces 4. ADUs Can Produce Rental Income Many homeowners build ADUs specifically to generate revenue. By renting out a backyard unit, owners can: Offset mortgage payments Create passive income Build long-term wealth through real estate 5. Buying an Amazon Tiny Home Is Not as Simple as It Seems One of the biggest misconceptions discussed in the interview is that a tiny home purchased online is move-in ready. Dashevsky points out that homeowners still need: Site preparation Foundations Utility connections Building permits Contractor assistance Inspections The advertised purchase price often excludes many of these costs. 6. Contractor Selection Is Critical After renovating and building more than 350 homes, Dashevsky warns listeners that hiring the wrong contractor can be financially devastating. He stresses the importance of: Researching contractors Checking references Verifying licenses Avoiding high-pressure sales tactics Getting multiple bids 7. Permits Matter Dashevsky strongly advises homeowners not to build ADUs without proper approvals. Legal construction provides: Better resale value Occupancy certification Rental eligibility Safety compliance Protection from future legal issues 8. ADUs Can Increase Property Value According to Dashevsky, adding a second rentable dwelling generally increases a property's value because it creates an additional income-producing asset. For many homeowners, an ADU becomes both a lifestyle improvement and an investment vehicle. 9. ADUs May Help Address Housing Challenges The interview concludes with a discussion about homelessness and affordable housing. Dashevsky highlights examples where local governments encourage ADU construction as a way to increase housing supply and create more affordable living options. Memorable Quotes On Housing Affordability "Housing's too expensive. We want options for all sorts of folks." On the Appeal of ADUs "The use cases are really significant and interesting." On Rental Income "I want to build a home in my backyard because I want some rental income." On Contractor Selection "You better do your homework." On Avoiding Contractor Scams "Don't trust that guy that just comes in your door and sweet talks you." On Amazon Tiny Homes "What you're buying is just a bunch of parts." On Permitting "Go down to your city's building department and ask them what they need from you so you can get it permitted correctly." On Real Estate Wealth "If you invest in real estate, if you have one rental unit, two rental units, that's a great way to build wealth." On Property Value "I think you add a tiny home or accessory dwelling unit to your property, you're only enhancing the value of that property." Executive Summary Paul Dashevsky's core message is that ADUs are far more than a housing trend. They are a versatile real estate tool that can generate income, provide housing for family members, increase property value, and expand affordable housing options. However, homeowners should approach ADU projects thoughtfully by researching regulations, working with qualified contractors, obtaining proper permits, and understanding the true costs involved before making a purchase. #BEST #STRAW #SHMS Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Paul Dashevsky. A serial entrepreneur, real estate investor, and founder of Maxable. The discussion centers on the growing popularity of Accessory Dwelling Units (ADUs), commonly known as tiny homes, granny flats, or backyard homes. What begins as a conversation about Amazon selling tiny homes for under $50,000 develops into a broader discussion about housing affordability, rental income opportunities, caring for aging parents, property value enhancement, and the importance of properly planning and permitting ADU projects. Purpose of the Interview The interview aims to: Educate homeowners about ADUs and their benefits. Explain the realities behind purchasing and building tiny homes. Highlight how ADUs can generate income and increase property value. Provide guidance on avoiding costly mistakes when building an ADU. Explore the role ADUs may play in addressing housing shortages and affordability challenges. Key Takeaways 1. ADUs Are Not Necessarily Tiny Dashevsky explains that ADUs can range from very small structures around 150 square feet to homes as large as 1,200 square feet. Many modern ADUs are between 600 and 800 square feet, making them practical living spaces for singles, couples, retirees, and small families. 2. Housing Costs Are Driving Demand One of the main reasons ADUs are becoming popular is the rising cost of traditional housing. Many cities and states have updated regulations to allow homeowners to build secondary housing units on their property as a way to increase affordable housing options. 3. ADUs Offer Multiple Uses Dashevsky emphasizes the flexibility of ADUs, which can serve as: Rental properties Housing for aging parents Caregiver or nanny quarters Home offices Music studios Yoga studios Guest houses Retirement living spaces 4. ADUs Can Produce Rental Income Many homeowners build ADUs specifically to generate revenue. By renting out a backyard unit, owners can: Offset mortgage payments Create passive income Build long-term wealth through real estate 5. Buying an Amazon Tiny Home Is Not as Simple as It Seems One of the biggest misconceptions discussed in the interview is that a tiny home purchased online is move-in ready. Dashevsky points out that homeowners still need: Site preparation Foundations Utility connections Building permits Contractor assistance Inspections The advertised purchase price often excludes many of these costs. 6. Contractor Selection Is Critical After renovating and building more than 350 homes, Dashevsky warns listeners that hiring the wrong contractor can be financially devastating. He stresses the importance of: Researching contractors Checking references Verifying licenses Avoiding high-pressure sales tactics Getting multiple bids 7. Permits Matter Dashevsky strongly advises homeowners not to build ADUs without proper approvals. Legal construction provides: Better resale value Occupancy certification Rental eligibility Safety compliance Protection from future legal issues 8. ADUs Can Increase Property Value According to Dashevsky, adding a second rentable dwelling generally increases a property's value because it creates an additional income-producing asset. For many homeowners, an ADU becomes both a lifestyle improvement and an investment vehicle. 9. ADUs May Help Address Housing Challenges The interview concludes with a discussion about homelessness and affordable housing. Dashevsky highlights examples where local governments encourage ADU construction as a way to increase housing supply and create more affordable living options. Memorable Quotes On Housing Affordability "Housing's too expensive. We want options for all sorts of folks." On the Appeal of ADUs "The use cases are really significant and interesting." On Rental Income "I want to build a home in my backyard because I want some rental income." On Contractor Selection "You better do your homework." On Avoiding Contractor Scams "Don't trust that guy that just comes in your door and sweet talks you." On Amazon Tiny Homes "What you're buying is just a bunch of parts." On Permitting "Go down to your city's building department and ask them what they need from you so you can get it permitted correctly." On Real Estate Wealth "If you invest in real estate, if you have one rental unit, two rental units, that's a great way to build wealth." On Property Value "I think you add a tiny home or accessory dwelling unit to your property, you're only enhancing the value of that property." Executive Summary Paul Dashevsky's core message is that ADUs are far more than a housing trend. They are a versatile real estate tool that can generate income, provide housing for family members, increase property value, and expand affordable housing options. However, homeowners should approach ADU projects thoughtfully by researching regulations, working with qualified contractors, obtaining proper permits, and understanding the true costs involved before making a purchase. #BEST #STRAW #SHMS Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

On August 3, 2026, Fannie Mae and Freddie Mac retired Limited Review. Everycondo loan in a project over 10 units now runs a Full Review of the HOA'sfinances. And on January 4, 2027, the minimum reserve allocation jumps from10% to 15%.You used to worry about whether YOU qualified. Now your condo has to qualify too.Source: Fannie Mae Lender Letter LL-2026-03⏱ CHAPTERS0:00 - 800 credit score, 20% down, denied0:00 - The two dates that matter0:00 - Limited Review is gone0:00 - Reserves: 10% to 15%0:00 - Why a reserve study isn't an escape hatch0:00 - Critical repairs and deferred maintenance0:00 - Special assessments: what lenders actually ask0:00 - Insurance (this one's brutal in California)0:00 - More paperwork, more delays0:00 - The good news nobody's talking about0:00 - If you already own a condo, watch this part0:00 - What to ask for before you're deep in escrow

In this episode of Living Off Rentals, Mike and Caroline Neubauer of the Our Family Invests podcast join us to share how they built financial freedom through real estate investing and short-term rentals in Maui. Starting with an ADU on their primary home, they eventually built a short-term rental business that allowed Mike to leave the fire department. Along the way, they learned some hard lessons about financing, renovations, cash flow, and building systems. Listen as Mike and Caroline share how they got started, the challenges they faced with their first short-term rental, the impacts of COVID and the Maui fire, and how having a clear family goal helped them keep moving forward. Enjoy the show! Key Takeaways: [00:00] Introducing Mike and Caroline Neubauer [03:18] Building financial freedom in a really expensive market [07:52] Building an ADU on their primary residence [13:58] From being a firefighter to discovering short-term rentals in Maui [23:00] The different path to financial freedom [24:20] The lessons learned from landlording short-term rentals [26:01] Finding and purchasing their first short-term rental [29:30] How COVID affected their real estate operations [31:09] Pivoting their short-term rentals during COVID [33:36] Investing remotely and funding new properties [40:44] Deciding when to leave the fire department [46:18] How their real estate goals have changed [48:18] Moving toward more passive investments [53:16] Choosing properties based on location and lifestyle [55:51] Mike's experience with the Maui fires [01:00:59] The impact of the Lahaina fire [01:03:06] Mike and Caroline's advice for those starting in real estate investing [01:04:20] Connect with Mike and Caroline Neubauer [01:05:13] Outro Guest Links:  Website: https://ourfamilyinvests.com/  Show Links: Living Off Rentals YouTube Channel – youtube.com/c/LivingOffRentals  Living Off Rentals YouTube Podcast Channel - youtube.com/c/LivingOffRentalsPodcast  Living Off Rentals Facebook Group – facebook.com/groups/livingoffrentals  Living Off Rentals Website – https://www.livingoffrentals.com/  Living Off Rentals Instagram – instagram.com/livingoffrentals  Living Off Rentals TikTok – tiktok.com/@livingoffrentals  Want to start investing in short-term rentals? Book a call to see if my STR Blueprint program is a good fit for you: livingoffrentals.com/call   

ADUs are becoming an increasingly important part of the conversation around housing, rental income, multigenerational living, and real estate development. In this episode of the Massive Passive Cashflow Podcast, Gary Wilson sits down with Peter Brown to explore how pre-panelized construction can make smaller residential projects more adaptable and scalable—and how real estate agents can use these opportunities to create additional value for homeowners, investors, and developers. Peter shares his nearly 20 years of real estate experience and explains the thinking behind Zara Homes' pre-panelized construction methodology. The discussion covers ADUs, affordable housing, rental income, construction efficiency, property development, and opportunities in Florida, Texas, California, and Panama. In This Episode How ADUs can provide additional living space or rental opportunities What makes pre-panelized construction different from traditional construction How construction technology can address difficult-access properties ADU opportunities for homeowners, investors, and developers Multigenerational housing and additional rental income Short-term and long-term rental applications Why zoning, infrastructure, and permitting matter How real estate agents can introduce ADU opportunities to their clients The potential for scalable construction and distribution through the real estate community   Attention Investors and Agents:   Are you ready to scale your real estate business and connect with like-minded professionals?

NOAA's Climate Prediction Center now gives a 69% chance that this El Niñois the strongest since 1950 — and California property owners have about60 days to get ahead of it. I'm not a meteorologist. I'm a property ownerwho has managed over 1,000 units, and this is the exact checklist I'mrunning on my own properties before the first atmospheric river hits.The biggest threat to your property isn't El Niño. It's water goingsomewhere your property wasn't designed to handle.⏱ CHAPTERS0:00 - Why I'm making this in September, not December0:00 - What El Niño actually means (60 seconds)0:00 - The 1997-98 vs 2015-16 problem0:00 - Roof and gutters0:00 - Why the fifth storm is the dangerous one0:00 - Drainage and grading0:00 - Trees and retaining walls0:00 - The insurance conversation most owners get wrong0:00 - What to do this week

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Paul Dashevsky. A serial entrepreneur, real estate investor, and founder of Maxable. The discussion centers on the growing popularity of Accessory Dwelling Units (ADUs), commonly known as tiny homes, granny flats, or backyard homes. What begins as a conversation about Amazon selling tiny homes for under $50,000 develops into a broader discussion about housing affordability, rental income opportunities, caring for aging parents, property value enhancement, and the importance of properly planning and permitting ADU projects. Purpose of the Interview The interview aims to: Educate homeowners about ADUs and their benefits. Explain the realities behind purchasing and building tiny homes. Highlight how ADUs can generate income and increase property value. Provide guidance on avoiding costly mistakes when building an ADU. Explore the role ADUs may play in addressing housing shortages and affordability challenges. Key Takeaways 1. ADUs Are Not Necessarily Tiny Dashevsky explains that ADUs can range from very small structures around 150 square feet to homes as large as 1,200 square feet. Many modern ADUs are between 600 and 800 square feet, making them practical living spaces for singles, couples, retirees, and small families. 2. Housing Costs Are Driving Demand One of the main reasons ADUs are becoming popular is the rising cost of traditional housing. Many cities and states have updated regulations to allow homeowners to build secondary housing units on their property as a way to increase affordable housing options. 3. ADUs Offer Multiple Uses Dashevsky emphasizes the flexibility of ADUs, which can serve as: Rental properties Housing for aging parents Caregiver or nanny quarters Home offices Music studios Yoga studios Guest houses Retirement living spaces 4. ADUs Can Produce Rental Income Many homeowners build ADUs specifically to generate revenue. By renting out a backyard unit, owners can: Offset mortgage payments Create passive income Build long-term wealth through real estate 5. Buying an Amazon Tiny Home Is Not as Simple as It Seems One of the biggest misconceptions discussed in the interview is that a tiny home purchased online is move-in ready. Dashevsky points out that homeowners still need: Site preparation Foundations Utility connections Building permits Contractor assistance Inspections The advertised purchase price often excludes many of these costs. 6. Contractor Selection Is Critical After renovating and building more than 350 homes, Dashevsky warns listeners that hiring the wrong contractor can be financially devastating. He stresses the importance of: Researching contractors Checking references Verifying licenses Avoiding high-pressure sales tactics Getting multiple bids 7. Permits Matter Dashevsky strongly advises homeowners not to build ADUs without proper approvals. Legal construction provides: Better resale value Occupancy certification Rental eligibility Safety compliance Protection from future legal issues 8. ADUs Can Increase Property Value According to Dashevsky, adding a second rentable dwelling generally increases a property's value because it creates an additional income-producing asset. For many homeowners, an ADU becomes both a lifestyle improvement and an investment vehicle. 9. ADUs May Help Address Housing Challenges The interview concludes with a discussion about homelessness and affordable housing. Dashevsky highlights examples where local governments encourage ADU construction as a way to increase housing supply and create more affordable living options. Memorable Quotes On Housing Affordability "Housing's too expensive. We want options for all sorts of folks." On the Appeal of ADUs "The use cases are really significant and interesting." On Rental Income "I want to build a home in my backyard because I want some rental income." On Contractor Selection "You better do your homework." On Avoiding Contractor Scams "Don't trust that guy that just comes in your door and sweet talks you." On Amazon Tiny Homes "What you're buying is just a bunch of parts." On Permitting "Go down to your city's building department and ask them what they need from you so you can get it permitted correctly." On Real Estate Wealth "If you invest in real estate, if you have one rental unit, two rental units, that's a great way to build wealth." On Property Value "I think you add a tiny home or accessory dwelling unit to your property, you're only enhancing the value of that property." Executive Summary Paul Dashevsky's core message is that ADUs are far more than a housing trend. They are a versatile real estate tool that can generate income, provide housing for family members, increase property value, and expand affordable housing options. However, homeowners should approach ADU projects thoughtfully by researching regulations, working with qualified contractors, obtaining proper permits, and understanding the true costs involved before making a purchase. #BEST #STRAW #SHMS Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Paul Dashevsky. A serial entrepreneur, real estate investor, and founder of Maxable. The discussion centers on the growing popularity of Accessory Dwelling Units (ADUs), commonly known as tiny homes, granny flats, or backyard homes. What begins as a conversation about Amazon selling tiny homes for under $50,000 develops into a broader discussion about housing affordability, rental income opportunities, caring for aging parents, property value enhancement, and the importance of properly planning and permitting ADU projects. Purpose of the Interview The interview aims to: Educate homeowners about ADUs and their benefits. Explain the realities behind purchasing and building tiny homes. Highlight how ADUs can generate income and increase property value. Provide guidance on avoiding costly mistakes when building an ADU. Explore the role ADUs may play in addressing housing shortages and affordability challenges. Key Takeaways 1. ADUs Are Not Necessarily Tiny Dashevsky explains that ADUs can range from very small structures around 150 square feet to homes as large as 1,200 square feet. Many modern ADUs are between 600 and 800 square feet, making them practical living spaces for singles, couples, retirees, and small families. 2. Housing Costs Are Driving Demand One of the main reasons ADUs are becoming popular is the rising cost of traditional housing. Many cities and states have updated regulations to allow homeowners to build secondary housing units on their property as a way to increase affordable housing options. 3. ADUs Offer Multiple Uses Dashevsky emphasizes the flexibility of ADUs, which can serve as: Rental properties Housing for aging parents Caregiver or nanny quarters Home offices Music studios Yoga studios Guest houses Retirement living spaces 4. ADUs Can Produce Rental Income Many homeowners build ADUs specifically to generate revenue. By renting out a backyard unit, owners can: Offset mortgage payments Create passive income Build long-term wealth through real estate 5. Buying an Amazon Tiny Home Is Not as Simple as It Seems One of the biggest misconceptions discussed in the interview is that a tiny home purchased online is move-in ready. Dashevsky points out that homeowners still need: Site preparation Foundations Utility connections Building permits Contractor assistance Inspections The advertised purchase price often excludes many of these costs. 6. Contractor Selection Is Critical After renovating and building more than 350 homes, Dashevsky warns listeners that hiring the wrong contractor can be financially devastating. He stresses the importance of: Researching contractors Checking references Verifying licenses Avoiding high-pressure sales tactics Getting multiple bids 7. Permits Matter Dashevsky strongly advises homeowners not to build ADUs without proper approvals. Legal construction provides: Better resale value Occupancy certification Rental eligibility Safety compliance Protection from future legal issues 8. ADUs Can Increase Property Value According to Dashevsky, adding a second rentable dwelling generally increases a property's value because it creates an additional income-producing asset. For many homeowners, an ADU becomes both a lifestyle improvement and an investment vehicle. 9. ADUs May Help Address Housing Challenges The interview concludes with a discussion about homelessness and affordable housing. Dashevsky highlights examples where local governments encourage ADU construction as a way to increase housing supply and create more affordable living options. Memorable Quotes On Housing Affordability "Housing's too expensive. We want options for all sorts of folks." On the Appeal of ADUs "The use cases are really significant and interesting." On Rental Income "I want to build a home in my backyard because I want some rental income." On Contractor Selection "You better do your homework." On Avoiding Contractor Scams "Don't trust that guy that just comes in your door and sweet talks you." On Amazon Tiny Homes "What you're buying is just a bunch of parts." On Permitting "Go down to your city's building department and ask them what they need from you so you can get it permitted correctly." On Real Estate Wealth "If you invest in real estate, if you have one rental unit, two rental units, that's a great way to build wealth." On Property Value "I think you add a tiny home or accessory dwelling unit to your property, you're only enhancing the value of that property." Executive Summary Paul Dashevsky's core message is that ADUs are far more than a housing trend. They are a versatile real estate tool that can generate income, provide housing for family members, increase property value, and expand affordable housing options. However, homeowners should approach ADU projects thoughtfully by researching regulations, working with qualified contractors, obtaining proper permits, and understanding the true costs involved before making a purchase. #BEST #STRAW #SHMS Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Paul Dashevsky. A serial entrepreneur, real estate investor, and founder of Maxable. The discussion centers on the growing popularity of Accessory Dwelling Units (ADUs), commonly known as tiny homes, granny flats, or backyard homes. What begins as a conversation about Amazon selling tiny homes for under $50,000 develops into a broader discussion about housing affordability, rental income opportunities, caring for aging parents, property value enhancement, and the importance of properly planning and permitting ADU projects. Purpose of the Interview The interview aims to: Educate homeowners about ADUs and their benefits. Explain the realities behind purchasing and building tiny homes. Highlight how ADUs can generate income and increase property value. Provide guidance on avoiding costly mistakes when building an ADU. Explore the role ADUs may play in addressing housing shortages and affordability challenges. Key Takeaways 1. ADUs Are Not Necessarily Tiny Dashevsky explains that ADUs can range from very small structures around 150 square feet to homes as large as 1,200 square feet. Many modern ADUs are between 600 and 800 square feet, making them practical living spaces for singles, couples, retirees, and small families. 2. Housing Costs Are Driving Demand One of the main reasons ADUs are becoming popular is the rising cost of traditional housing. Many cities and states have updated regulations to allow homeowners to build secondary housing units on their property as a way to increase affordable housing options. 3. ADUs Offer Multiple Uses Dashevsky emphasizes the flexibility of ADUs, which can serve as: Rental properties Housing for aging parents Caregiver or nanny quarters Home offices Music studios Yoga studios Guest houses Retirement living spaces 4. ADUs Can Produce Rental Income Many homeowners build ADUs specifically to generate revenue. By renting out a backyard unit, owners can: Offset mortgage payments Create passive income Build long-term wealth through real estate 5. Buying an Amazon Tiny Home Is Not as Simple as It Seems One of the biggest misconceptions discussed in the interview is that a tiny home purchased online is move-in ready. Dashevsky points out that homeowners still need: Site preparation Foundations Utility connections Building permits Contractor assistance Inspections The advertised purchase price often excludes many of these costs. 6. Contractor Selection Is Critical After renovating and building more than 350 homes, Dashevsky warns listeners that hiring the wrong contractor can be financially devastating. He stresses the importance of: Researching contractors Checking references Verifying licenses Avoiding high-pressure sales tactics Getting multiple bids 7. Permits Matter Dashevsky strongly advises homeowners not to build ADUs without proper approvals. Legal construction provides: Better resale value Occupancy certification Rental eligibility Safety compliance Protection from future legal issues 8. ADUs Can Increase Property Value According to Dashevsky, adding a second rentable dwelling generally increases a property's value because it creates an additional income-producing asset. For many homeowners, an ADU becomes both a lifestyle improvement and an investment vehicle. 9. ADUs May Help Address Housing Challenges The interview concludes with a discussion about homelessness and affordable housing. Dashevsky highlights examples where local governments encourage ADU construction as a way to increase housing supply and create more affordable living options. Memorable Quotes On Housing Affordability "Housing's too expensive. We want options for all sorts of folks." On the Appeal of ADUs "The use cases are really significant and interesting." On Rental Income "I want to build a home in my backyard because I want some rental income." On Contractor Selection "You better do your homework." On Avoiding Contractor Scams "Don't trust that guy that just comes in your door and sweet talks you." On Amazon Tiny Homes "What you're buying is just a bunch of parts." On Permitting "Go down to your city's building department and ask them what they need from you so you can get it permitted correctly." On Real Estate Wealth "If you invest in real estate, if you have one rental unit, two rental units, that's a great way to build wealth." On Property Value "I think you add a tiny home or accessory dwelling unit to your property, you're only enhancing the value of that property." Executive Summary Paul Dashevsky's core message is that ADUs are far more than a housing trend. They are a versatile real estate tool that can generate income, provide housing for family members, increase property value, and expand affordable housing options. However, homeowners should approach ADU projects thoughtfully by researching regulations, working with qualified contractors, obtaining proper permits, and understanding the true costs involved before making a purchase. #BEST #STRAW #SHMS Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

 Headlines: BHP coal mine extension approved as a UN report warns of dangerous climate overshooting  NextDC, an Australian data center company, has reported profits above forecasts as its water and energy use rise for the third consecutive year. Next DC has a data centre running next to Tottenham stationSegments: - Adu Hani, Secretary of the Renters and Housing Union, joined us to discuss RAHU's recent success with collective tenant bargaining and its implications for future tenant organising in Victoria. Adu also spoke about upcoming rental reforms coming into effect on 13 October, and key commitments tenants should be mindful of when it comes to the November state elections.  -  Unite against racism and a coalition of organisations are hosting a forum this Wednesday to build the fight against one nation. We were joined by David Glanz, an organiser of the event and member of the Refugee Action Collective.  - Interview with Violet Coco and Collette Harmsen about National Endangered Species Day and an action mourning endangered species at DEECA  - Jan Bartlett spoke to Ken Davis, International Programs manager of APHEDA, Union Aid Abroad. Who begins the segment here with a background on the current state of education for younger children in Gaza since the intensification of Israel's siege over the past 3 years… a content warning that this interview mentions violence against children which may be distressing to listeners. General Lines: Lifeline: 13 11 14 | lifeline.org.au 13YARN: 13 92 76 | 13yarn.org.auYarning Safe'n Strong: 1800 959 563 Music: Signing Off by Daisy Picker  

 In 2021, the city of Portland officially legalized living in mobile dwelling units on private property. MDUs include recreational vehicles and tiny homes on wheels, which are different from accessory dwelling units, or ADUs. According to a recent survey reported in Sightline Institute, MDUs have been seeing an increase in popularity since 2020.   Kol Peterson conducted the survey, owns Accessory Dwelling Strategies and is an ADU and MDU expert. He joins us to explain more on MDUs and why they are growing in popularity.  

A Los Angeles couple set out to build a 400-square-foot backyard home for about $300,000, only to watch the final cost climb to $600,000 in a project recently profiled by Lisa Boone in the Los Angeles Times. Norm Van Eeden Petersman talks with Tamara White of Small Housing and Mary Coddington, founder of 12 Incorporated, about what pushed the cost so high. The couple chose an ambitious design and built on a difficult site, but they also had two major advantages many small housing projects never get: they already owned the land, and they were allowed to build. If the land and permissions were already in place, what made the price skyrocket, and how much of that complexity could actually be removed? ADDITIONAL SHOW NOTES "A compact ADU built on a dramatic ridgeline ‘floats' over L.A. and its Midcentury neighbor" by Lisa Boone, Latimes.com (August 2026) Norm Van Eeden Petersman (LinkedIn) Tamara White (LinkedIn) Mary Coddington (LinkedIn) Articles mentioned and Downzone: 'She couldn't afford L.A. rent after law school. Her parents' ADU came to the rescue' (Article) Courtenay Cohousing (Site) A Voter's Guide to Asking Candidates about Housing (Site) Theme Music by Kemet the Phantom.   This podcast is made possible by Strong Towns members. Thank you! Join fellow members discussing this episode in The Commons.

In this episode of SPACES, Dimitrius breaks down how homeowners and business owners should evaluate contractors before committing to a renovation, ADU, addition, kitchen remodel, or small commercial project.The episode explains why price without context can be dangerous, why vague scope leads to incomparable bids, and how drawings, specifications, communication, qualifications, and transparency all shape the success of a project.In This EpisodeWhy the lowest bid is not always the best valueHow unclear scope leads to confusing contractor estimatesWhat to look for when reviewing contractor qualificationsWhy communication is one of the strongest indicators of project experienceWhat questions to ask about pricing, allowances, exclusions, permits, and change ordersWhy early contractor input can be helpful, but is not the same as a final construction contractHow an architect can help review bids and identify inconsistenciesRed flags to watch for before hiring a contractorAs discussed:Before You Build is Dimitrius' strategic pre-design framework for homeowners and business owners planning kitchens, ADUs, additions, renovations, and small commercial tenant improvements.It helps you define scope, understand costs, think through soft costs and contingency, assemble the right team, understand timelines, and avoid common mistakes before spending money in the wrong direction.ACT NOW: the next 25 purchasers get it for a special discount rate of $9!Before You Build Guidebook DownloadLYNESIf you enjoy our content, you can check out similar content from our fellow creators at Gābl Media.Spaces Podcast Spaces Podcast websiteLYNES // Gābl MediaAll rights reserved

Acknowledgement of Country// HeadlinesNepal-Tibet floods updateNew research on First Nations people with disabilities in custodyFlat Out and HRLC report calls for prison legal serviceAUKUS public inquiryDarebin e-bike trialSerious concerns about declining dugong population in Gulf of Carpentaria  Scott Drummond, Head of Policy and Practice at the Victorian Alcohol and Drug Association (VAADA), joined us to talk about International Overdose Awareness Day on Monday the 31st of August. This year was marked by record numbers of heroin related overdoses in Victoria, with Geelong sadly taking the lead. Scott discussed urgent calls from Geelong to address their overdose crisis, as well as VAADA' key state-wide election asks.// Adu Hani, Secretary of the Renters and Housing Union, joined us to discuss RAHU's recent success with collective tenant bargaining and its implications for future tenant organising in Victoria. Adu also spoke about upcoming rental reforms coming into effect on 13 October, and key commitments tenants should be mindful of when it comes to the November state elections.// Bebe Oliver, Bardi Jawi poet, author, illustrator and Artistic Director and CEO of Blak & Bright joins us to talk about the opening of Blak & Bright's 2026 literary festival. This year's festival theme every:when centres First Nations understandings of time as continuous and relational. Through a series of workshops, panels and performances starting today, Thursday the 3rd of September, and running until this Sunday the 6th, audiences will engage with stories and conversations that challenge linear notions of past, present and future. Blak & Bright is the leading organisation showcasing and elevating First Nations literary voices in so-called Australia.// Dr Ruchira Talukdar, co-founder and coordinator of Sapna South Asian Climate Solidarity, speaks with us about the importance of situating the recent catastrophic flooding in Nepal and Tibet in the broader context of climate change effects in the Himalayas. Ruchira also speaks about the responsibility of high-emitting, wealthy countries such as Australia to provide climate finance to regions bearing the brunt of climate disaster. Join Sapna's upcoming webinars about climate change and flooding in the Himalayas, dams in the Himalayas, and green remittances.//

America's senior housing shortage is becoming a trillion-dollar challenge. This week on HECM World Weekly, we look at new NIC MAP research showing the 80+ population is surging while senior housing construction falls further behind — potentially creating a need for more than $1 trillion in investment through 2050. We also cover: Why AARP is pushing for broader ADU access as part of the aging-in-place solution How reverse mortgage proceeds may help fund ADU construction in appropriate circumstances Boston College's question of how to unlock trillions in senior home equity Why wealthy Boomers can still face debt and cash-flow pressure in retirement New Case-Shiller and FHFA data showing home-price growth slowing and becoming increasingly local The latest HECM broker and TPO rankings from Reverse Market Insight Taken together, the stories point to a growing convergence between housing, home equity and retirement income — and why reverse mortgage professionals need to understand all three. Read more from HECM World: https://hecmworld.com/2026/08/28/hecm-world-senior-housing-1-trillion-investment-gap/ Subscribe for weekly reverse mortgage news, research and insights.

Denver's $200 million budget shortfall is impacting everything from city services to road repairs to our parks system – and the latest casualty could be housing, with the city's ADU program losing a quarter million dollars. Green chile correspondent Justine Sandoval joins host Bree Davies to discuss what the loss of public funding means for this type of affordable homes. Plus, they share information on how to not get caught with expired license plates this week and Bree rants about the AI slop creeping into local businesses. For even more news from around the city, subscribe to our morning newsletter at denver.citycast.fm. Follow us on Instagram: @citycastdenver Chat with other listeners on Reddit: r/CityCastDenver Support City Cast Denver by becoming a member! What do you think about AI art being used in flyers? Text or leave us a voicemail with your name and neighborhood, and you might hear it on the show: 720-500-5418 If you enjoyed this interview with Lauren Howe, the Healthy Food for Denver's Kids Program Supervisor, learn more here. Learn more about the sponsors of this August 26th episode: Women's Foundation Chalat Hatten and Banker Blue Sky Colorado Chinese University Looking to advertise on City Cast Denver? Check out our options for podcast and newsletter ads at citycast.fm/advertise

Ana-Maria turned the 400 square foot casita behind her San Antonio home into $18,000 a year in additional revenue on Furnished Finder. No real estate background, no massive portfolio, no full-time real estate career. Just one extra space, rented intentionally to travel nurses, professors, and military members on monthly stays.As a single parent working in marketing and communications, Ana-Maria desires to supplement her income and provide for her daughter. In this episode of Landlord Diaries, she shares exactly how the casita became a steady revenue stream, why she chose Furnished Finder over Airbnb (Airbnb would have taken almost 20% off the top in San Antonio hotel/motel taxes and fees alone), and how she has kept a perfect 5-star review record for over five years.What you'll learn in this episode:How Ana-Maria makes $18,000 a year from a 400 square foot casitaWhy she picked Furnished Finder over Airbnb after running the numbersThe tenant screening process that ended her squatter riskHow she keeps her casita occupied almost year-round with 3 month average staysWhy she offers guests first right of refusal at the end of every leaseThe exact review request approach that has earned her 5-star reviews for 5+ yearsHow she has connected with tenants who became family, including one guest who left San Antonio with two adopted kittens named Mac and CheeseThis episode is for landlords with an ADU, in-law suite, room rental, or extra space they haven't monetized yet. It's for retirees, single parents, working professionals, and anyone considering the midterm rental space as a supplemental income stream. Furnished Finder connects landlords directly with travel nurses, corporate travelers, relocating families, and academics looking for monthly furnished housing across all 50 states. 83% of Furnished Finder landlords list just one property, and the average landlord earns $15,000 a year. Ana-Maria is above that average, and she'll walk you through exactly how.List Your Property on Furnished Finder:https://www.furnishedfinder.com/list-your-propertyUse code LLD10 for $10 off new listings.Chapters0:00 Welcome to Landlord Diaries0:55 Ana-Maria's American Dream as a single parent1:35 The 400 sq ft casita behind her San Antonio home3:25 Teaching kids the value of a rental income stream6:15 From long-term tenant to Furnished Finder8:25 The tools that made switching to MTR easy10:55 The squatter that changed everything12:00 Why moms are booking on Furnished Finder14:00 Pre-screening tips for landlords and tenants14:40 Keeping a shared property truly private16:00 Guest stories: two kittens named Mac and Cheese18:35 Why conversational screening beats STR platforms21:40 Supplement your income with Furnished Finder22:30 Airbnb wanted 20%. Furnished Finder was different.23:35 $18,000 a year from one backyard casita25:25 Why she offers guests first right of refusal27:05 What tenants love most about the casita29:40 Advice for new landlords with extra space33:35 Rapid Fire: what she wishes she knew at tenant #1Resources mentioned in this episode:https://www.furnishedfinder.com/blog/questions-to-ask-before-moving-inhttps://www.furnishedfinder.com/blog/5-questions-to-ask-during-the-booking-process-with-a-tenantAna-Maria's Listings on Furnished Finder:https://www.furnishedfinder.com/members/profile?id=6a3b05c-4a6a-a43-844-8dab88Topics covered: midterm rental strategy, casita rental income, ADU rental, single parent side hustle, Furnished Finder vs Airbnb, tenant screening, TransUnion background check, 5-star reviews, monthly rental income, San Antonio rental, backyard rental, extra space monetization, supplemental income for retirees, mother-in-law suite rental, furnished rental income The Landlord Diaries is brought to you by Furnished Finder, where you can list your property for one low price and pay zero booking fees.

Thinking about building an ADU? There are some expensive mistakes you need to understand before you start construction.After funding more than 100 deals involving ADUs, Kenny Simpson has seen what can go wrong, from appraisals and construction costs to refinancing problems and properties that don't produce the value owners expected. In this week's The Brief, Kenny breaks down 7 ADU landmines every homeowner and real estate investor should understand:1. What are you actually building?Do the comps and rents support your plan?2. What will it really cost?Spending $350,000 doesn't automatically add $350,000 in property value.3. The appraisalADUs can be difficult to value, and the wrong appraisal can create major problems. 4. Your takeout loanDon't assume you'll automatically be able to refinance and pull your construction money back out.5. Selling the propertyThe market may not value your finished project the way you expected.6. Qualifying for financingDSCR, residential and commercial lenders can treat these properties very differently.7. Your teamThe lender, loan officer, appraiser, agent, and other professionals you work with can make or break a complex ADU project. The biggest takeaway: do the research before you build.Understand the potential value, rents, appraisal, financing, refinance strategy, and exit plan before committing hundreds of thousands of dollars to an ADU project.

In this episode, Galyna Parker shares her journey as a serial entrepreneur and real estate investor, highlighting strategies for remote property management, building systems, and exploring new opportunities like land and ADU development. She offers valuable insights for beginners and seasoned investors alike.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Josh has the Quick Takes for us and Jordana talks about ADU's or what is becoming known as ‘Granny Flats'

In this week's First $1,000 segment, we hear from a serial side hustler who builds an ADU in his backyard, allowing him to earn $1,500/month in passive rentals. He then uses the profits to buy another property.Side Hustle School features a new episode EVERY DAY, featuring detailed case studies of people who earn extra money without quitting their job. This year, the show includes free guided lessons and listener Q&A several days each week.Show notes: SideHustleSchool.comEmail: team@sidehustleschool.comBe on the show: SideHustleSchool.com/questionsConnect on Instagram: @193countriesVisit Chris's main site: ChrisGuillebeau.comRead A Year of Mental Health: yearofmentalhealth.comIf you're enjoying the show, please pass it along! It's free and has been published every single day since January 1, 2017. We're also very grateful for your five-star ratings—it shows that people are listening and looking forward to new episodes.

The Planning Commission held a workshop on a major housing streamlining package and moved to align the county's ADU rules with state mandates. Housing and Infill Workshop: Staff presented proposed amendments to the zoning code aimed at meeting the state-mandated target of 2,700 housing units per year. Multifamily and Neighborhood Scale: The plan proposes allowing triplexes and fourplexes by right in the RT-7 zone to encourage "missing middle" housing. The Parking Debate: A proposal to reduce minimum parking requirements to one space per unit sparked debate. Commissioners expressed concern that current suburban developments already suffer from excessive street parking, while housing advocates argued that high parking requirements are an "inefficient use of land". CPAC Appeal Fees: A controversial proposal to charge Community Planning Advisory Councils (CPACs) a $4,000 fee to appeal residential projects was met with resistance. Commissioners argued this could create a financial barrier to community engagement, though developers argued it would hold CPACs accountable for "unreasonable" appeals. Commercial Corridors: An overlay was proposed for eight corridors (including Florin Road West and Stockton Boulevard) to prohibit auto-centric uses like RV storage and car washes in favor of walkable, mixed-use residential developments. Accessory Dwelling Unit (ADU) Ordinance Repeal: The Commission recommended the Board of Supervisors repeal the county's local ADU ordinance. Because state laws regarding ADUs change annually, the county has struggled to keep its local code compliant. By repealing the ordinance, the county will now defer directly to state law provisions, utilizing a "Zoning Code User Guide" for administrative updates. Agricultural Accessory Dwellings (AARDs): To protect residents in agricultural and recreational zones where state ADU law may not apply, the county proposed a local allowance for up to two detached "AARDs" per lot. Upcoming Agenda: The Director reported that the August 24 meeting will include a controversial appeal regarding a proposed "kill floor" slaughterhouse project in Rio Linda.  

In this episode, Brad Jones shares insights into the booming ADU industry, his business model, and how he's leveraging marketing and operations to scale rapidly. Discover how to navigate regulations, build community, and capitalize on this fast-growing market.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

(August 13, 2026) White House Press Secretary Karoline Leavitt to step downLA county ADU construction hits record highas housing shortage persistsA fight over whose name the kids take was settled by a family OlympicsEurope has a new passport systemSee omnystudio.com/listener for privacy information.

Devin: What is your superpower?Gene: I've always felt that range is more important than depth. That's where I am.Azure Printed Homes is turning recycled plastic into faster, lower-cost housing while attacking two crises at once: housing scarcity and plastic waste. Gene Eidelman, President of Azure Printed Homes, joined me to explain how the company uses robotics and 3D printing to manufacture housing in a factory.“Azure is a platform that uses robotics and 3D printing to manufacture housing,” Gene said. “30% less expensive, 70% faster, and no waste.”That simple description understates the breadth of the impact. Azure began with backyard studios and ADUs during COVID. The company has since expanded into homes for people experiencing homelessness, affordable housing, wildfire rebuilds and soon, Gene says, multi-story apartment buildings.What I find so compelling is the way Azure's model layers benefits. The company reduces construction waste, reuses plastic that might otherwise end up in landfills or oceans and creates housing more quickly in places where people desperately need it. Gene confirmed that the company has already recycled “millions upon millions” of plastic bottles' worth of material.The work is no longer theoretical. Gene told me the company has delivered more than 150 homes across six states. Its largest project so far is a 62-unit village for people experiencing homelessness in San Luis Obispo, California. By using ground screws rather than traditional foundations, Azure fit nearly twice as many units on the site as conventional construction would have allowed.“We took a very small site, 3/4 of an acre site, and put a lot of units,” Gene said. “If it would be done traditional construction, they couldn't take more than 34 units, but we did 62.”Azure's market is broad. The same platform can support a small safe home for someone leaving homelessness, an ADU in a California backyard or a luxury rebuild in Malibu. “It's really a platform to expand what can be done quicker and less expensive,” Gene said.I'm also excited that Azure is using regulated investment crowdfunding to fuel its growth. Gene explained that the company has completed six campaigns across several platforms, building a community of more than 2,500 investors in 48 states and 20 countries. Azure is currently raising debt capital through a Honeycomb campaign, which you can find at geneeidelmanmedia.com.For impact investors who care about housing, climate and innovation, Azure's progress offers a powerful case study in how purpose-built businesses can scale solutions that matter.tl;dr:This episode explores Azure Printed Homes' mission to turn recycled plastic into faster, lower-cost housing.Gene explains how robotics and 3D printing reduce waste while expanding housing options across markets.Azure has delivered more than 150 homes, including a 62-unit homeless village in California.The company is raising growth capital through a regulated investment crowdfunding debt campaign on Honeycomb.Gene's superpower, range, helps him pivot quickly while staying focused on solving big problems.How to Develop Range As a SuperpowerGene's superpower is range. He told me, “You can acquire deep knowledge. You can hire for deep knowledge. It's the range that is necessary.” For Gene, range means staying focused on the solution while remaining open to the tools, materials, customers and business models that can get you there faster. He said entrepreneurs should “focus on the solution” while also thinking about “how other products that they might be thinking of could be used for this solution.” That perspective helped Azure move from construction to 3D printing, material science, robotics, light-gauge steel and homes on wheels.Gene saw this superpower earlier in his career while building childcare centers. A nearby hospital loved the centers but explained that its nurses could not afford them. Gene quickly reframed the problem. If the hospital funded a center on campus, there would be no rent burden and nurses could access care. That pivot created a corporate childcare business that grew to become the third largest in its niche in the country before being sold to a publicly traded company.Focus on the solution first, not the initial product or business model.Build range by continuously educating yourself across disciplines, markets and technologies.Use new tools yourself before asking your team to adopt them.Hire experts when deep technical knowledge is required.Bring team members with you to meetings so they can observe, learn and generate ideas.Listen actively to customers, partners and industry veterans before prescribing answers.Stay open to unexpected markets when customers reveal new uses for your solution.By following Gene's example and advice, you can make range a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Guest ProfileGene Eidelman (he/him):President, Azure Printed HomesAbout Azure Printed Homes: Azure Printed Homes transforms recycled plastic into 3D-printed houses—built 70% faster and at 39% lower cost than traditional construction—tackling both the housing shortage and the global plastic waste crisis.Website: azureprintedhomes.comCompany Facebook Page: facebook.com/azureprintedhomesOther URL: geneeidelmanmedia.comBiographical Information: Gene Eidelman is the co-founder of Azure Printed Homes, founded in 2022 to create sustainable, affordable housing using recycled polymers. Azure's patented 3D-printing technology builds homes faster and at lower cost than traditional methods, while reducing environmental waste. Gene leads the company's mission to deliver scalable housing solutions for families, communities, and disaster recovery.LinkedIn: linkedin.com/in/geneeidelmanInstagram: @geneeidelmanSupport Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include PurposeBuilt100™ Winners and supercrowd.tv. Learn more about advertising with us here.Max-Impact Members(We're grateful for every one of these community champions who make this work possible.)Brian Christie, Brainsy | Cameron Neil, Lend For Good | Carol Fineagan, Independent Consultant | Eric Coury, Arthia AI | John Berlet, CORE Tax Deeds, LLC. | Justin Starbird, The Aebli Group | Ken Steele, Rotarian | Lory Moore, Lory Moore Law | Marcia Brinton, High Desert Gear | Mark Grimes, Networked Enterprise Development | Mike Babbit | Coledger Solutions | Mike Green, Envirosult | Nick Degnan, Unlimit Ventures | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Scott Thorpe, Philanthropist | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.Join the SuperCrowd Impact League! You can be recognized for making impact investments via Reg CF. See how your activity compares to your peers. It's free. Win valuable prizes. Start now!SuperCrowd Impact Member Networking Session: Impact (and, of course, Max-Impact) Members of the SuperCrowd are invited to a private networking session on August 11th at 8:00 PM ET/5:00 PM PT. Mark your calendar. We'll send private emails to Impact Members with registration details. Upgrade to Impact Membership today!SuperCrowdHour, August 19, 2026, at 12:00 PM Eastern. Devin Thorpe, CEO and Founder of The Super Crowd, Inc., will lead a session on “How to Make Money As an Impact Investor Starting with $10.” Drawing on his experience as a former investment banker, impact investor, and crowdfunding expert, Devin will demonstrate how anyone can begin building wealth while investing in companies that create positive social and environmental impact—even with as little as $10. In this session, he'll explore how impact crowdfunding has opened investment opportunities to everyday investors, explain how to identify promising mission-driven companies, and share practical strategies for building a diversified portfolio over time. Attendees will learn how to get started with limited capital, manage risk, evaluate investment opportunities, and avoid common mistakes new investors make. Whether you're completely new to investing or looking for an affordable way to expand your impact investing portfolio, this SuperCrowdHour will provide actionable insights to help you invest with purpose, build long-term wealth, and make a meaningful difference. Register now!SuperCrowd26 featuring PurposeBuilt100™: This August 25–27, founders, investors, and ecosystem leaders will gather for a three-day, broadcast-quality global experience focused on disciplined capital formation, regulated investment crowdfunding, and purpose-driven growth. 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Wer in Afghanistan öffentlich Kritik übt, lebt gefährlich. Fünf Jahre nach der Machtübernahme der Taliban prägen Kontrolle und strenge Regeln den Alltag. Dennoch gab es vor wenigen Wochen Protest auf der Straße – vorwiegend von Frauen. Adu, Yana www.deutschlandfunkkultur.de, Weltzeit

In this episode, Anderson attorneys Amanda Wynalda, Esq., and Eliot Thomas, Esq., answer listener questions on tax planning, entity structuring, and asset protection for real estate investors. They discuss the best tax strategies for investors who own multiple rental properties as sole proprietors and examine whether converting an S Corporation that owns rental property into an LLC could trigger property tax reassessments or other tax consequences. Amanda and Eliot also explain the rules surrounding home office deductions, including using a detached ADU as a dedicated workspace and claiming deductions for business storage in a garage. They cover the differences between operating as an S Corporation with an accountable plan versus filing on Schedule C, addressing common concerns about IRS scrutiny. Finally, they explore the complexities of structuring a 1031 exchange alongside a self-directed Solo 401(k), highlighting prohibited transaction rules, financing considerations, and strategies for staying compliant while maximizing tax benefits. Tune in for practical guidance on protecting your investments and making informed tax decisions. Submit your tax question to taxtuesday@andersonadvisors.com Register for an upcoming workshop today if you want to protect your business and personal assets from snoopy lawyers and creditors. https://aba.link/6rzu Would you like to learn more about protecting your assets and minimizing taxes? Schedule a free strategy session here: https://aba.link/5c0cf7 Highlights/Topics: 0:00 Intro 9:29 I work in a family-owned company and have the opportunity at the end of this year to obtain equity/ownership. Would you recommend accepting that ownership under a specific tax strategy or corporate setup, or just accepting the ownership under my name and Social Security number? 18:26 Is it a good idea to pull money from a traditional IRA early and then invest in oil funds to get IDC deductions to help offset the taxes I will incur by withdrawing from the IRA? 23:25 Can tax documents be reviewed for previous years and if my previous preparer didn't use all the available strategies; can those strategies be applied for those years? 27:32 I will be relocating to South Africa which has a tax treaty with the United States Government. I am a retiree who receives a monthly annuity. Will I be double taxed? I will be paying both federal and state taxes in the USA. 34:36 What is the best tax strategy for sole proprietor ownership of 12 rentals? 40:50 I have a 22-unit condo project that we converted into rentals in 1992. It was a C Corp. Now it is an S corp. One adviser suggested converting to an LLC. Would this trigger a taxable event for property tax assessments? 47:23 I have a detached ADU in my backyard. I want to use it as a home office. Can I do that and if so, how is the deduction calculated? Also, can I get a deduction if I use part of my garage for the business for storage? 53:59 Does a Sub-S election with an accountable plan attract more attention than a Schedule C filer? 57:07 We are completing a 1031 exchange and would like guidance on the best way to structure the purchase of our replacement property. Our objective is to use all available 1031 exchange proceeds while funding the remaining balance with assets from a self-directed Solo 401(k), if permissible, and avoid obtaining a conventional mortgage. Are there any IRS rules, prohibited transaction concerns, or tax implications we should be aware of before proceeding?

In a shocking turn of events, the city council's sixty-second time limit for public comments has been eclipsed by a sixty-minute discussion on the KABC News Blitz with Randy Wang. Today's episode delves into the latest news on the Eaton fire, the corrupt practices of California's private energy monopolies, and the ongoing housing crisis in San Diego. The conversation starts with a scathing critique of SoCal Edison, which has been found responsible for the Eaton fire. The speaker highlights the company's history of neglecting to maintain its equipment, leading to devastating consequences. This is just one example of the many issues plaguing California's energy sector, where companies like Pacific Gas and Electric and San Diego Gas and Electric prioritize profits over people. The episode also touches on the housing crisis in San Diego, where a proposed ADU apartment complex project has sparked controversy. The speaker discusses the need for more affordable housing options, but also acknowledges the challenges of building in a state where anyone can sue to stop a project under the California Environmental Quality Act. This leads to a broader discussion on the need for a moratorium on naming monuments after living politicians, citing the example of Mark Ridley Thomas, who was recently convicted of bribery and corruption. Tune in to hear the full discussion on these pressing issues and more, including the latest news on the LA Mayor's race and the city's animal welfare crisis. Joining the conversation is Daniel Guss, a renowned reporter who shares his insights on the city's underbelly of politics. Don't miss this thought-provoking episode of the KABC News Blitz with Randy Wang.See omnystudio.com/listener for privacy information.

Real estate decisions carry enormous financial weight, and yet many people navigate them with a realtor who treats the work as a side hustle rather than a true advisory relationship. Melissa Joy, CFP® sits down with Donna Castillo, a top 1% producer realtor with Intero Real Estate Services in Silicon Valley, to talk about what separates a transactional agent from a real financial partner. Donna shares how she works with clients neighborhood by neighborhood, weighing schools, square footage, and competitive dynamics so buyers can win a home without overpaying by six figures.The conversation turns to Donna's R.E.A.L. Method, a framework she created specifically for homeowners over 55 who are weighing whether to stay put, downsize, or explore new options like an ADU or a 55-plus community. Melissa and Donna cover capital gains exposure on long-held homes, the role of a good lender in structuring financing around equity compensation and investment portfolios, and why having candid family conversations about aging in place, trusts, and estate plans is one of the most generous things a person can do for the people they love.What You'll LearnWhy working with a realtor who treats real estate as a true advisory relationship, not a side hustle, matters most on high-value transactionsHow hyper-local market knowledge, down to the specific street, shapes a competitive offer strategyThe R.E.A.L. Method: a framework built for homeowners 55-plus to evaluate reality, equity, available options, and lifestyle impactHow capital gains exclusions work for primary residences, and why the math differs for single versus married homeownersHow a 1031 exchange can defer capital gains on rental property, and why the full proceeds need to stay in real estateWhy using investment portfolios, RSUs, and other equity compensation to finance a home purchase requires careful tax planning with the right lenderThe importance of having proactive conversations with family about aging in place, trusts, and estate plans before a crisis forces the decisionConnect with Donna:Website: donnacastillo.comFacebook: facebook.com/gotodonnaThe previous presentation by PEARL PLANNING was intended for general information purposes only.  No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...

Jim Park shares his journey from California to Florida, focusing on innovative ADU solutions, modular construction, and the importance of faith in business. Discover how his pivot to modular ADUs is transforming the housing market and creating new opportunities for investors and homeowners alike.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Accessory Dwelling Units, better known as ADU's, are small, self-contained residential units that can be attached to a home or built as a separate structure, often as a small apartment or in-law suite.Columbus has released a new handbook for residents in building one on their property, though under current city code, building one could be very expensive.We're looking at the role ADU's could play in the need for housing here in Columbus.Guests:Brent Warren, reporter, Columbus UndergroundAlison Goebel, executive director, Greater Ohio Policy CenterOtto Beatty, former Columbus City CouncilmemberJenny Carlson, executive director, Ohio AARP

Accessory Dwelling Units, better known as ADU's, are small, self-contained residential units that can be attached to a home or built as a separate structure, often as a small apartment or in-law suite.Columbus has released a new handbook for residents in building one on their property, though under current city code, building one could be very expensive.We're looking at the role ADU's could play in the need for housing here in Columbus.Guests:Brent Warren, reporter, Columbus UndergroundAlison Goebel, executive director, Greater Ohio Policy CenterOtto Beatty, former Columbus City CouncilmemberJenny Carlson, executive director, Ohio AARP

I get personal in this episode, in order to ask questions about the nature of what is called the “housing crisis.” Are we all just doom-pilling way too much?As a case study, I talk through the life and history of my parents, and discuss whether or not their life and lifestyle is still available today. I discuss house sizes, mortgage rates, lifestyle choices, lifestyle inflation, and more.Find more content on The Messy City on Kevin's Substack page.Music notes: all songs by low standards, ca. 2010. Videos here. If you'd like a CD for low standards, message me and you can have one for only $5.Intro: “Why Be Friends”Outro: “Fairweather Friend”AI TranscriptIntroductionWelcome back to The Messy City Podcast. This is Kevin Klinkenberg. I'm going to do something a little different today and just talk without a guest about the topic of housing in particular and how it ties into a few other kind of hobby courses of mine. Why Challenge the Housing NarrativeReally what I want to spend some time doing is taking a contrarian view of how we talk about the so-called housing crisis. And in one sense, this is kind of fun for me to do. One of the things I really loved about my father is when we would have our discussions or debates in the family about various things that were going on, he would often take an opposite view of Almost just for the sport of it. And the truth is, there are a lot of times he was so good at it, you didn't really know if he felt that way or not. Because he could do really well to argue multiple sides of an argument. And that was really a lot of fun. It was an education for me. It's something I wish more people would just do generally and try to see an issue from multiple perspectives and try to steel man different perspectives or perspectives that are different from your own. And so I've kind of taken to obviously do that if you know me at all.You know I've done that a fair amount in my own life. Not nearly as good as my father was at it, but it has been fun to do occasionally. And I really wanted to apply this to the topic of housing. And there's a couple of reasons for this. And this also ties into a story. I'm going to tell you a little bit of a story about my parents and how they grew up and their trajectory through life, because I think it's actually very relevant to this topic. And whether or not we have a housing crisis at all in America, or if we do, what is the actual nature of of that crisis. And I want to talk about this because I just see so much online and in person conversation that I just feel like there are too many people, especially too many young people that have been kind of doom pilled on life today and life in America generally.And the thing that I want to start out that I really want to propose to everybody and talk about is the life that my parents had And their trajectory through life is still available today. It is absolutely and unequivocally still available to anyone who wants to choose the life that they lived. And in my opinion, obviously, I knew them really well. In my opinion, they had a tremendous life. They had a great life. They've both passed on in recent years. And so I have to talk in the past tense. But by any measure that matters, they had a great life. They lived well into their 80s. They had four kids. We actually all like each other. So it's not just like a, you know, there are some families where you can say, well, I love my family. But as my brother used to say, or after my dad passed, he would say, you know, that... We didn't just love our parents, we really liked our parents.And I think if you're fortunate to be in a family like that, you know a little bit of what I'm talking about. And the four of us as children all... We get along. We're still all friends with each other and get along. We enjoy being together. We're all very different people with different interests and different worldviews. In some senses, we had pretty different childhoods, interestingly enough, because there's a big age spread in our family. So my parents had four kids that they raised. They had a long, stable marriage. They were able to get consecutively better houses as they aged. And then by the time they hit retirement age, they had saved enough money to be able to do other things that they wanted to do. Along the way, they traveled when they wanted to. They really wanted to get out and see the country, see the world.When we were young, that traveling mostly involved just driving around the United States and going to national parks and big cities and seeing the sights. As they got older and had a little bit more disposable income, they would join tour groups and go or sometimes with family to foreign countries and places they really wanted to visit. And I want to give you some context because my parents were not people that grew up with money at all. And I'm going to share some of this because I think it's important to understand. How they came to be where they were and some of the choices they made and how it might impact choices that young people especially could make today.My Parents' StoryMy mom grew up very poor. She spent a part of her childhood living in a housing project in Syracuse, New York. And she was one of five kids and they, you know, her whole childhood they never had any money for much of anything. And they often lived in not the greatest part of town, in Syracuse, even when they got out of the housing project. And my dad grew up in a small town in Kansas called Baser, which is just outside the Kansas City area. But at the time when he was growing up, it was a dusty little town of like 600 people. And, again, one of five kids. And his dad was an auto mechanic, had his own garage, but also just, you know, like people do in Little Towns, did a little bit of everything. He drove a school bus. We helped out with the mail. We did a lot of different things in the town. But it's not like they ever really had any money.My Uncle George, one of my dad's brothers, used to say that they were all poor, but they didn't know it. And part of that is the nature of living in a small rural community. They had a lot of spare time and freedom to roam. And so they probably were able to, you know, occupy themselves with a lot of things that maybe other kids weren't. My mom's father, my mom's parents had a really difficult marriage. My grandfather, her father basically worked in a deli in Syracuse and he And so he worked in a Jewish deli. He was a very, very personable guy, made a lot of his own, made his own corned beef and bagels and everything. And a lot of the customers liked him, but it's not like he ever really made a lot of money. And he and his wife, my grandmother, had a really difficult time, eventually ended up divorcing.And my parents ended up meeting each other in sort of a star-crossed romance that I don't really have time to tell the entire story. But it ended up that they met when my mom was visiting a friend in Leavenworth, Kansas. And... Not too long after that, a romance ensued and eventually a marriage. My parents were born in 1935 and 36, so they're not boomers. They're sort of, I guess, what you would call as greatest generation. But they were too young to be deeply invested in the Great Depression or World War II. They were little kids, really, when all that was going on. So I guess in a sense what you could say is they had the cultural memory of those things. They grew up understanding what life was like in the Great Depression. They grew up poor. They grew up during the war and they knew all that that was going on and they were very well attuned to it, but they weren't part of it.And I think like a lot of people who grew up in that era, they were really affected, especially by the poverty of what was happening. So one of the things that we used to always say about my mom is she could stretch a nickel like anybody's business. She was frugal her entire life. And that really came from growing up with next to nothing. And then for many years... After they were married and started having kids, they were living off basically one salary, not like a big salary or anything, for a long time. And so my mom really had to stretch everything to make ends meet. I'm going to come back to the housing part of this because I think there's some importance to all this.The Housing LadderMy parents got married in 1957, on Christmas Eve of 1957, and then right after that, flew off to Germany. My dad at the time, 21, 22 years old, he had been working a little bit, but he decided he wanted to enlist in the Army, and they spent two years in the Army. He was basically sent off to Germany. And so obviously, you know, late 50s, a great time to be sent off to Germany. No active fighting or anything going on. And they spent two years there. My oldest sister was born in Germany. And then my next sister, I guess you could say, was conceived in Germany. And... And then born back here in the United States when they came back. So by the time they came back to the United States, it's about 1960, and they've got two little kids. And at that time, shortly after they bought their first house, which was in a not so great part of the Kansas City area. It was in Kansas City, Kansas.It was not a terrible area, but not like the greatest. And they bought a small house. And I've had some trouble finding out the exact details in this house, but I think it was probably a two or three bedroom with one bath. It's since been added on to, so it's hard for me to know exactly. But in this period of time, 1960 or so, that would have been their first house. And, you know, my siblings are just going to really... I want to mock my lack of understanding on some of these details, but I think by the time they left that house, my brother had also been born. So there were three kids there. And I want to trace this trajectory a little bit. There's a story here that I think we don't talk enough about that was very common and kind of understood in my parents' era. Which was the idea of buying a small house. New houses were all generally smaller than they are today.There's no question about that. We've had a lot of growth in the average size of houses. So houses were smaller. But it was also kind of understood that you were going to buy... A small house, you were going to build some equity in that, and then you would eventually buy a bigger house. And as you went through the progression of life, as you could afford more, you would buy more. And I'm not entirely sure how... I see a lot more people who are looking to buy their first house who want it all right away. They want that four-bedroom house at the right price, and they're unhappy that they can't get that. I don't want to overgeneralize, but this was something that was really common, certainly in my parents' era. So my dad, after he came back from the Army, he ended up working for a company called Wilson Foods. Wilson Foods was a meatpacking company.So at the time, one of what they called, I think, the big five meatpacking companies that were in the United States that dominated the field was, Wilson's was headquartered in Oklahoma City, but it had plants all over the Midwest. And so he started out as a clerk in the office in Kansas City. So he was on a management track, not on the factory track, but he started at a very entry level position. And then the way it kind of worked in our family and with that company was Again, this was an era where people tended to be a lot more loyal to a certain company. And there was more the idea that you find a good company to work for and you might spend your whole career there. So whenever he wanted a promotion or had the opportunity for a promotion, we typically had to move. So this story is going to sound a little crazy because we moved a lot.And people often thought that we were like a military family, that we were military brats. And we used to say, no, we're not military, we're meatpacking. And of course, people didn't have any idea what we're talking about, but another just little inside joke we had. So I want to talk a little bit as we trace this and think about house size, but also mortgage rates. Because as we talk about housing availability today, especially for sale housing, we're really stuck on the conversation about house size and about mortgage rates. Well, I think it's interesting to look at the trajectory that my parents went through and something very similar to millions of people in that generation today. Went through as they started to move on. So I think it was aboutMortgage Rates in Historical Context1966 or so that we moved to Omaha. Uh, and I went back and I just did some historical, uh, tracking of, uh, mortgage, typical mortgage rates in 1966, the typical mortgage rate was about 6%. So that's really not very far off from where we are today. Uh, depending on what you're looking at today, A lot of the standard kind of 30-year mortgage rates are around 6.5%. It fluctuates from week to week, month to month, but we've kind of been in that zone now for two or three years. And the conversation is very much about how high the mortgage rates are. Um, because we had such a sustained period of very low mortgage rates, such that people like myself, when, uh, we purchased and we, when ultimately refinanced our house in 2021, I think our mortgages, our rate is like 2.75%. So we had millions and millions of mortgages at like 3% or under. And then obviously the rates, uh, went up dramatically.Uh, they went up very, very quickly. Some of the quickest in history. And they've more or less settled into where they are the last two or three years, which is about 6.5%. But again, if you look back historically, one of the stories you can tell is that 6.5% is not like an unusually high mortgage rate. It's just not. You know, I know nobody wants to pay more than, you know... And so why don't I track here, just by way of example, some of the moves my family made. 1966, that more average mortgage rate was about 6%. In 1970, we moved from Omaha to Dell City, Oklahoma, which is a suburb of Oklahoma City. And the average mortgage rates then were closer to 8%. In 1972, we moved to Oklahoma City itself, and the rates came down a little bit, about 7.4%. In and around 1973, then we moved to Overland Park, Kansas, and mortgage rates had gone up again, a little bit more, closer to 8%.In 1975-ish, maybe 76, we moved to Albert Lee, Minnesota, where there was a meatpacking plant that my dad became the superintendent for. So this started an era where mortgage rates were really rough. So in 75, the average rate was about 9%. It went up from there. You know, in 1980, it was over, in 1980, it was almost 14%. 1984, my parents were able to, my dad was able to get a job in Marshall, Missouri. So we left Albert Lee and moved to Marshall. 84, it was still 13.88% average mortgage rate. And then by the end of that decade, 1990 had come down to about 10 and a quarter percent. And then 94, my parents, right around that period where my parents, um, Bought their final house in Lenexa, Kansas in their retirement. They weren't quite retired yet. That's a different story. But in 94, it was about 8%. And so there was a little blip again in 95 or so is about when I bought my first house.That was about eight and a half percent was a typical rate. And then it kind of went on a straight line down more or less from 1995 till about 2021 down to about that three percent rate. And so, again, this is kind of, you know, it's a bit of a long story. But if you can trace these things historically, you can see that the expectation of paying a six, six and a half, seven percent interest rate is just historically not that high. Now, I know historic doesn't matter when you're trying to buy a house today and they're not as much churn in the housing market. But I mean, that's just part of the reality that many, many families paid much higher mortgage rates. Now, what about the houses themselves? Well, this is also interesting. When we lived in Omaha, That's where I was born in 1969. Our house was a three bedroom, one bath ranch with a basement. Um, uh, sort of like a basement playroom.Uh, that was very typical for that era. So there were six of us living in a three bedroom, one bath house. When we moved to Oklahoma, the first house we had was three bedrooms, one and a half baths. And then when we moved to Oklahoma city, again, sort of within the same Metro at that point was our first four bedroom house. So here we are early seventies. Uh, my parents at that point had been married, uh, For 15 years, they had four kids at home. The oldest was now in high school or about high school age. And that was our first four bedroom house. And I think we had two and a half baths in that one. When we moved back to the Kansas City area in 73-ish, we also had a four-bedroom house. So that was a more comfortable kind of a split-level house at that point. And we're getting to the point there where almost all of us had our own bedrooms, but not all of us.I shared a bedroom with my brother in that house. I shared a bedroom with my brother for quite a long time. And when we moved to Minnesota in the mid-70s and then lived there for about eight years, we had a ranch house in Albert Lea. Housing costs everything. I will say this was my parents' experience of living in Minnesota was everything was a lot more expensive than they were used to. You couldn't, in their opinion, couldn't get as much house for your money. The taxes were a lot higher in Minnesota than in other states. The utility costs were higher. And so we had a ranch house that I think had three bedrooms and then it had a finished basement that we finished. And We put a bedroom in the finished basement that would not meet code today. It did not have the proper exiting. But that was something we did. And it was to the point where Minnesota, the winters could be pretty harsh.And so we would commonly close off the family room for the winter in Minnesota and just not use it. We had another room that had a TV where we spent the winter with But again, this is just kind of indicative of the frugal mindset that my parents had. AndLifestyle and FrugalityI want to say that because I think it's important when you're thinking about lifestyle differences in their generation versus today. And I'm not here to pass judgment on anybody necessarily necessarily. But that frugal lifestyle that they lived for many, many years enabled them to have the things that they wanted to have and do the things that they wanted to do. So what are some examples of that? Well, we almost never ate out. So I can barely even remember times as a kid that we would go out to a restaurant. My mom bought generic brands of food. She used coupons regularly. When we took vacations as a family, they were typically driving vacations. And my mom would pack a cooler full of food and we would stop at highway rest areas and eat our meals there. And we stayed in very cheap motels. Sometimes there was camping, not a lot. My mom did not like camping. But...And I'm here to tell you my memories of those trips were great. As a kid, I loved those trips. We would start, you know, for example, in Minnesota and we would drive all the way to the West Coast and we would go to the national parks in Washington State and Oregon and, you know, went to Redwoods National Park in Northern California. Or we would start in Minnesota and we would drive all the way to Disney World and we would hit sites along the way. And to me, those trips were magical and wonderful and a lot of fun. And I think for my parents, they were really great trips as well. But we did things on the cheap. And we just did not waste a lot of money on things. But it didn't stop my parents from Seeing the things they wanted to see and enjoying the things that they wanted to enjoy in life.And today, the term that we have for kind of that approach, because we have to have a term for everything, is FIRE or FI, Financial Independence or Financial Independence Retire Early. And so that's become kind of a thing that quite a number of people have latched onto. Which is terrific. And I'm a big fan of a lot of people in that world. It's also true that that was just kind of the way life was for an awful lot of people of a previous era. And that was just life. I remember my dad telling me one time that they never saved any money or weren't able to save any money until he was about 50 years old. And he had, you know, by the time he was 50 years old, at that point, he'd had decent jobs. And my mom started, she worked when she could in between raising four kids.And so as the kids started becoming more self-sufficient, she was able to work different jobs and bring in some extra money. But yeah, he had told me they really were almost never able to save money until, frankly, we moved back to Marshall, Missouri, and he had a better job. And things were cheaper. They felt like they got a big pay increase when they left Minnesota and moved to Missouri. And so not long after that, then when they were able to retire, even in retirement, even at that point when they had Enough retirement income to rely on. My mom still could never, she just did not have it in her to like overspend for anything. And she still kind of questioned every purchase that she made. But they were also really happy people. It's funny how we have often such a consumerist mindset that we feel like if we're not consuming a lot of things, that means you're not happy.My parents were very social. They had a ton of friends. They stayed in touch with their families, an extended family. And they were just very active, fun, social people. So not being able to spend a ton of money just didn't stop them from doing things. By the time that I was in high school, my siblings were all out of the house. My oldest sister was already married. Teresa was well on her way in her education and career. Dean was also already well on his way in his college education and then later working after college. But I was actually the first one that they were even able to help with a little bit of money for going to college, which of course my siblings gave me a lot of crap about. And would call me spoiled. But that was just the first time that my parents had had enough little extra money to even be able to help any of their kids at that stage.What This Means TodaySo it's just really, to me, a story of living what at that time was a pretty patently kind of common or normal life, which was you buy a small place. Maybe you start in not the greatest part of town. And then eventually you start making more money and you work your way up until you can buy bigger places and nicer places. And I think this is a story we just don't talk about very much. As your family grows, as you grow in your career, you can afford more of a house. I think there's this sometimes doom-pilling that that's just not possible today. I wanted to test this a little bit, and I just did a little bit of playing around on Zillow. Looking at what houses were available that were anything similar to what my parents might have bought as their first couple of houses.Lo and behold, in some areas that are not the nicest, newest, greatest part of town, but not bad areas, you can find those small two and three bedroom houses, at least in my metro area here in Kansas City. For $250,000 to $300,000. And there's nothing wrong with these houses. They're smaller than normal. They're not a big four-bedroom, four-bath house. But they're perfectly livable homes in decent areas. If you want to go to even less fashionable places, you can find that same house. And houses that have been remodeled for under $200,000. So, you know, yeah, you're probably going to deal with higher crime. Maybe the schools aren't, it's not the school district you want to be in, but these are livable houses that are there. And they're also the kind of places like they're not, they're not horrid places to live.Like if you got some of your friends and you all convinced each other to all move to that part of a town, you could, you could make it better by buying these properties, uh, and real estate, um, And, you know, we don't like to talk about this very much as Americans, but the truth is by like global standards, any of these houses are very luxurious. We're all very lucky to live in a place where we could live, where you could own like a two bedroom, one bath house that is modern and nice with great appliances and everything else and complain about it, that you really wish you had more. So anyway, here's a few of the numbers. Just out of curiosity, if you're wondering, if you take like a $250,000 house, if you put 5% down on it, that's $12,500. And if you have a mortgage rate at 6.65%, that's about $2,000 a month with taxes and insurance.So I'm here to tell you that $2,000 a month is cheaper than almost all of the brand new, quote unquote, luxury apartments. That are all over my city that are renting with no problem. And I know they've got a pool and they've got a fitness center, but you're also paying somebody else to live there. You're not building any kind of wealth or equity for yourself. That's the sort of thing, that's the sort of a house that you can easily do on a salary of $80,000 a year, whether it's one person or combined. And by the way, I just, I was curious about this. The average 25 year old in my metro area makes 40,000 bucks a year. So you put two 25 year old salaries together, average ones, that's 80 a year. You can buy that house. And then you can start on that process that is similar to what my parents were on.And so again, I, you know, If you were to tell me, I'm not here today to argue that there aren't changes that need to be made in our cities with our regulatory apparatus or any of that. If you've listened to this podcast at all over the last few years, you know how passionate I am about all of that. I am very much in the camp that the administrative and regulatory apparatus that we created in the 20th century for our cities has failed by every measure. That doesn't mean the people in them are necessarily bad people or dumb or anything like that. It just means that we have, we created systems that just do not work and do not produce good outcomes. And any rational person or group should be able to say, we need to junk that and start over and rethink what we're doing.And so I'm very much in that camp that there's an awful lot of what we created in the 19-teens and 20s in terms of the city planning apparatus and zoning that has been a complete failure. And we need to start over, rethink all that. It's not working. So, you know, I have that as a baseline, but I just don't think so many I don't think especially young people should be so black-pilled on everything or doom-pilled on everything. The opportunities that previous generations had are still available. Now, are they going to be available everywhere in every market for every career path? No. I mean, I get it if you live in really high-cost markets like San Francisco, New York, Seattle, LA, wherever. I have no doubt it's a lot harder. I do think there probably are less fashionable places that people overlook. That would probably be just fine.I have no doubt that that's the case in every city in the country, every region in the country. There are perfectly nice houses, but they're not the newest, most fashionable, cool location. And, and we have had such a lifestyle inflation. We don't want to necessarily go there. I get that. But the truth, the question is, do you want to get there or not? Do you want to start on that path or not? And the other thing I would tie into that is like I've mentioned on multiple podcasts here, let's say that you don't want to do that two bedroom, one bath house. You want something a little bigger. Well, you could also combine it with the house hacking approach, which I have done in my lifetime, multiple times. The first house I bought was actually built as a single family house in the 19 teens. But by the time I bought it, it was actually a triplex. It was one unit per floor.And I lived on one floor and rented out the other two. It was not in great condition. I got it pretty cheap. It was not in the best neighborhood at the time, but I got a good deal on it. I put a lot of sweat equity and work into improving it and was eventually able to sell it for a good profit and move on to the next house, which was much nicer and where I also house hacked. In that case, I had an apartment over the garage, what we call an ADU today, that I finished out as an apartment and I rented that out. And helped offset the mortgage. So there are plenty of ways that you can get creative. You could buy a three-bedroom house and rent a room out to a friend or a family member or somebody else. There are ways that you can leverage house hacking to get into the house that you might want sooner. But the main message I would have is that those things are still possible.Practical AdviceThe basics that enabled previous generations to live a good life in this country are still here. If you have a strong sense of family, if you get educated or have a trade or a skill that is tangible, that is marketable, for example, try not to enter a field of work that is overly academic or philosophical in nature. You need to have a real skill. If you have a good work ethic, If you do get married, stay married. Again, I'm not going to moralize on any of that, but the data is super clear that people who get married and stay married almost always end up in the middle class or better in this country. Make yourself valuable to others, you know, from family to neighbors. Get involved in your community in some fashion, you know, in the real world and Be frugal. Save your money. Don't waste it until you can afford to waste it.And if you have any sense of frugality when you're a younger person and you can put money away in your 20s and 30s, you will get older. And by the time you hit your 40s, 50s, or 60s, you're going to find you're going to have maybe some money, more disposable income, At that point that you can really enjoy and you're still young enough to enjoy it. And health care these days is so good and health science is so good that you should be able to stay healthy for a much longer period of time. Buy a small house, take care of it, and then either add to it or sell it and buy a bigger one when you can. That is part of the process that we just don't talk very much about today. So I think in general, I would suggest let's stay away from, try not to lean too much into doomerism.Regardless of your own personal feelings, you know, how you see the world today or not, focus on yourself, what you can control, and what's possible. And figure out how to create your own life trajectory that is valuable and great for you.What's NextI'm going to tackle a couple other subjects in future episodes. I want to talk a little bit more about how I think the... The administrative and regulatory processes we created over 100 years ago have failed us and what's to be done about that, like what's a different idea or path. And then I also want to touch on a little bit, there's a whole other subject. There's a big part of what we call the housing crisis that is really driven by a series of policy choices we've made for the last 50 years or so. That have really benefited a small number of cities and the professional class in those cities. And it's really hard to uncouple these realities that we have what a lot of people have described elite overproduction today. We have been emphasizing for 50 years to tell everybody to go to college and get a degree, any degree. And I understand why we did that at the time.I went to college and I think going to college to get a degree. To go for higher education and get a really great skill is a great thing to do. But we have a lot of people who went to college and don't really have still very marketable skills or degrees. And they're all kind of following a path that I think they were told to follow by parents and grandparents and counselors, which was go to college, go move to one of these really great cities where there's a lot of jobs for college graduates. And starting your path and what you end up with is you have too many people chasing housing and jobs in too few cities.That has led to a lot of what we talk about as the housing crisis, but there's the flip side of that we don't talk very much about, which I'll also delve into in a future episode, which, in my opinion, is the true housing crisis, and that is that we have too many places in our country that have been in terminal decline for decades. They often are well located neighborhoods. Or well-located communities, but they have been dying. And this proliferation of dying and derelict communities and neighborhoods is really at the heart of a terrible, terrible problem where people are just more bent on trying to figure out survival. Because there's not an economy to attach themselves to that gives hope for the future. So we've got two sides of the same coin with very different concerns.One is we have an awful lot of people chasing a certain lifestyle in a very small number of places that is driving price increases in those places. And then we have actually a much larger number of places that have basically been abandoned. Some that could really have hope for the future and others that there are not great answers for, at least today. And that's a subject that I'll try to tackle a little bit more for a future day. So at any rate, I hope this has been interesting for you. If you've listened to this podcast at all since I've been doing it, you know I actually really enjoy talking about my family and talking with my family members. And I've had my brother and one of my sisters on here before. And I'll be having my brother on again very soon because he's got a new book out that I think you'll be actually very interested in. So that's all for today.I hope everybody's having a good summer and we're dealing with the full breadth of the Midwest heat at the moment, but it'll be over soon and then fall is right around the corner and on into another year. Thanks so much for listening. As always, if you enjoy it, please hit like, leave a review, follow, whatever it is. I am terrible about marketing this podcast since it's something that is basically a hobby for me. But if you enjoy it, please help me out and help spread the word. Thanks so much. Bye. Farewell, farewell with a friend, farewell. Farewell, farewell with a friend, farewell. Farewell, farewell with a friend, farewell. Farewell, farewell with a friend, farewell. Get full access to The Messy City at kevinklinkenberg.substack.com/subscribe

Finding the Right Home Starts with Your Lifestyle When most people begin searching for a home, they immediately start filtering listings by price, number of bedrooms, bathrooms, or square footage. While those details certainly matter, they don't answer one of the most important questions you'll face during your home search: How do you actually want to live? At Boston Connect Real Estate, we believe the best home isn't necessarily the biggest or the newest, it's the one that complements your daily routine, your future goals, and the life you want to create. Whether you're buying your first home, upsizing for a growing family, or rightsizing for your next chapter, choosing a home based on your lifestyle will lead to a happier purchase for years to come. Start With Your Daily Routine Before scheduling your first showing, take a step back and think about what your typical week looks like. Ask yourself questions like: How long am I willing to commute? Do I work remotely? How often do I entertain family and friends? Do I spend weekends working in the yard or would I rather not? How important is being close to shopping, restaurants, or recreation? Do I travel often? How much time do I want to spend maintaining my home? These answers will help shape your home search far more effectively than simply checking boxes on a listing website. Your Commute Matters More Than You Think One of the biggest lifestyle factors is your daily commute. It's easy to look at a map and think a home is "close enough" to work, but real-life driving tells a different story. Consider: How long does it take just to reach the highway? Will you be driving with or against traffic? Is public transportation important? How often do you travel through Logan Airport? Are you willing to trade a longer commute for a larger home? Sometimes two homes that look identical on paper can offer completely different lifestyles simply because of their location. Define Your Must-Haves vs. Nice-to-Haves Every buyer should create two lists before touring homes. Must-Haves These are the features you truly cannot live without. Examples include: First-floor primary bedroom Home office Two-car garage Fenced yard Central air conditioning Specific number of bedrooms Fireplace School district Accessibility features Nice-to-Haves These are features you'd love but could live without if everything else is right. Some examples include: Finished basement Walk-in pantry Three-season room Hardwood flooring Outdoor kitchen Pool Vaulted ceilings Large front porch Separating wants from needs helps buyers stay focused and make confident decisions when inventory is limited. Think Beyond Today One of the biggest mistakes buyers make is purchasing only for today's lifestyle. Instead, think about where you'll be five or even ten years from now. Ask yourself: Will your family grow? Will children eventually move out? Will aging parents need to live with you? Could you eventually work from home? Will stairs become more difficult over time? Is this your forever home or simply your next home? Planning ahead today can prevent another move sooner than expected. Every Lifestyle Calls for a Different Home There isn't one perfect house for everyone. Instead, the right home depends on how you live. Busy Professionals Low-maintenance homes often make the most sense for buyers with demanding careers. Many professionals prefer: Condominiums Townhomes Smaller lots Short commutes Newer construction Minimal exterior maintenance Less time maintaining a home means more time enjoying it. Growing Families Families often prioritize space and functionality over finishes. Important considerations may include: Additional bedrooms Yard space Nearby parks School systems Storage Flexible living areas Finished basements Neighborhoods with sidewalks or recreational opportunities A home should grow alongside your family. Empty Nesters and Rightsizers Many homeowners reach a stage where maintaining a large property simply no longer fits their lifestyle. For many, priorities shift toward: First-floor living Less maintenance Smaller homes Active adult communities Condominiums Being closer to family Lock-and-leave convenience for travel Rightsizing isn't about settling it's about finding a home that better fits your current lifestyle. Remote Workers Working from home has changed what buyers prioritize. Today's home office needs include: Reliable high-speed internet Strong cell service Quiet workspaces Flexible floor plans Rooms that can serve multiple purposes Comfortable Zoom backgrounds Sometimes an old formal dining room becomes the perfect home office. Don't Overlook the Details Some of the most important features aren't listed in the MLS. Ask questions like: How is the cell phone reception? How reliable is the internet? Are there HOA fees? What's included in those fees? Is there enough storage? Can the yard accommodate future plans? Is there room for an addition or accessory dwelling unit (ADU)? How close are hospitals, shopping, and major highways? These everyday details often have a bigger impact than upgraded countertops or trendy finishes. HOA Living Isn't for Everyone And That's Okay Some buyers love the convenience of condominium living. Others prefer complete independence. Living in an HOA often means: Snow removal Landscaping Exterior maintenance Shared amenities Less personal responsibility While HOA fees can seem high, many homeowners appreciate the convenience and peace of mind they provide. The key is deciding which lifestyle fits you best. A Home Is an Investment, But It's Also Where Life Happens Every home purchase is a financial investment. But it's also where birthdays are celebrated, holidays are hosted, children are raised, careers evolve, and memories are made. That's why buying based solely on finishes or square footage rarely tells the whole story. The goal isn't simply to buy a house. It's to find the place that feels like home. Partner With a Local Expert Finding the right home involves much more than browsing online listings. An experienced REALTOR® helps you think through the questions you may not have considered from commute times and neighborhood lifestyles to long-term planning and future resale value. At Boston Connect Real Estate, we take the time to understand your goals before recommending properties because every buyer's lifestyle is different. Whether you're searching for your first home, your forever home, or something in between, our team is here to guide you every step of the way. Ready to find the home that truly fits your lifestyle? Contact Boston Connect Real Estate today and let our experienced agents help you find more than just a house, we'll help you find the right place to call home. Watch our live video on Youtube!

What if your tenants paid for your wedding? Alex and Ashley bought their first home in Apple Valley, California with a plan built in: set up two rentable spaces, list them on Furnished Finder, and let the income do the work. Within 18 months, rental income paid off their construction loan. Now that same income is funding the backyard wedding they're throwing in May 2027.In this episode of Landlord Diaries, we sit down with Alex and Ashley, night shift workers, first time homeowners, and first time landlords who turned an in-law suite and a converted RV garage into two private monthly rentals. They walk through how they financed the build, price unique spaces, share laundry with tenants without losing privacy, and how they screen for the right monthly midterm rental tenants.What you'll learn in this episode:How to turn unconventional spaces into rentable unitsHow to use a construction loan and rental income to fund home upgradesHow to price monthly rentals using local comps and Market InsightsHow to screen midterm tenants for peace of mind at your primary residenceWhy midterm rentals are different from short term rentals for owner occupied propertiesThis one is for new landlords, house hackers, real estate investors weighing STR vs MTR, and anyone who wants rental income to fund the life they actually want, not just cover a mortgage. Alex and Ashley prove you don't need a massive portfolio to build financial freedom. Two well set up units on one property can pay off loans, fund weddings, and open the door to bigger goals.List Your Property on Furnished Finder:https://www.furnishedfinder.com/list-your-propertyUse code LLD10 for $10 off new listings.Timestamps:0:00 Welcome to Landlord Diaries0:35 How Furnished Finder is funding their wedding1:50 Their portfolio: 2 rentals at their primary home3:00 Tenant types: travel nurses and a college athlete4:10 Why family and friends were skeptical at first4:40 First time buyers with an investor mindset5:55 Building private units with a construction loan8:00 Sharing laundry with a weekly tenant schedule9:40 Pricing unique rentals and studio units13:25 The goal: upgrade the home, add income streams15:10 Alex tells Daily Press "don't be afraid"16:00 Katie: rental income means saying yes more often17:35 Their rental process for peace of mind20:40 STR vs MTR and typical midterm tenant types21:50 How rentals made a backyard wedding possible24:45 What's next in their real estate journey27:20 Advice for landlords on the fence about MTR29:30 Rapid Fire: surprises, best tenant, wedding adviceAlex & Ashley's Listings:https://www.furnishedfinder.com/members/profile?id=75497b1-48f2-aee-a03-09d81eTrending Monthly Midterm Rental Resources:https://www.furnishedfinder.com/Resources/PMResourcesTopics covered: midterm rentals, monthly rentals, Furnished Finder, house hacking, ADU rentals, RV garage conversion, in-law suite rental, travel nurse housing, construction loan strategy, first time landlord, room rental pricing, tenant screening, financial freedom through rentals, Apple Valley California real estate, side hustle for homeowners. The Landlord Diaries is brought to you by Furnished Finder, where you can list your property for one low price and pay zero booking fees.

On today’s 7.24.26 show Chidi joined us for Chidi’s tweets, one ADU in the Bay has sparked a rent debate, one woman says she cannot date men with roommates, Kim K’s new energy drink, Destiny’s Child is coming back with more music, we played our Chug Wheel game, Lebron has made his decision on the team he’ll be joining and more!See omnystudio.com/listener for privacy information.

One of the biggest mistakes new investors make is analyzing rental properties for the best-case scenario. Today's guest does the opposite. He plans for the worst, and it's the reason his deals consistently outperform others. In this episode, he's sharing his secret for getting maximum cash flow with the least work possible! Welcome back to the Real Estate Rookie podcast! Luke Frizzell went from owning a primary residence that was draining his bank account, to converting his garage into an ADU and getting a 25% cash-on-cash return. But then, he did an “about face” and pivoted into residential assisted living, where he generates $3,000 in monthly cash flow, per property, without ever dealing with operations!  Tune in to learn how Luke uses the military “SMEAC” framework to turn every deal into a planned mission, why the best next investment might be the property you already own, and how the lease-to-operator model makes assisted living one of the most “hands-free” cash flow strategies available today. If you've been chasing unit count and wondering why the effort never matches the returns, Luke's story is your permission to think differently.  In This Episode We Cover How to make more cash flow with the residential assisted living strategy How to create extra income streams on the property you already own How Luke generated a 25% cash-on-cash return with his first ADU The SMEAC framework—what it is and how to apply it to real estate How to make your investment more “hands-free” with the lease-to-operator model  Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠t⁠⁠tps://www.biggerpockets.com/blog/rookie-747⁠. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Kyle Kargis sits down with Kinil Doshi and Varsha Shah to talk about their path through the Gator, Owners Club, and SubTo communities and how those relationships shaped their investing strategy. They break down a Phoenix single-family flip that started with borrowed private money, a trusted partner who walked away, and several exit strategies that did not work on paper. Instead of reacting too quickly, they used a HELOC, community feedback, and a co-living conversion to turn the property into positive cash flow, with plans to add an ADU and refinance. The conversation also covers the importance of due diligence, lending processes, and the types of co-living, RV park, and mobile home park opportunities they are pursuing next.   ► Join The SubTo Community & Learn Creative Finance Directly from Pace Morby: https://subto.sjv.io/X42Y94   ► Learn How to Make Money on Other People's Deals - Join the FREE Live Training: https://gator.sjv.io/n4WL6o   ► Turn Real Estate Transactions Into a Real Career. Learn How to Become a Top Tier Transaction Coordinator - Start Here: https://toptiertc.pxf.io/OYyrdz

People think you need a dozen rental properties to achieve financial freedom. You don't. Buy the right property in the right location, and it may only take one. Just ask Hana and Easton Jones, whose tiny back unit pays their entire mortgage and then some—allowing Hana to quit her W-2 job and live out her dream of being a stay-at-home mom! Welcome back to the Real Estate Rookie podcast! Hana and Easton were a couple of 25-year-olds with regular jobs. How could they possibly afford real estate around Los Angeles? Driven by the dream of homeownership, they sacrificed, they saved, and when the time came, they bought the house no one wanted. It wasn't perfect. It needed work. But it also had its own hidden income stream—a small ADU (accessory dwelling unit) that now covers their $3,300 mortgage each month! In this episode, they break down their exact savings strategy, what it looks like to house hack an Airbnb, and how Hana was able to buy back time with her kids. Whether you live in an expensive city or want a way out from your nine-to-five, this story delivers the inspiration you need to take the next step in your real estate journey! In This Episode We Cover: The ADU (accessory dwelling unit) that makes $3,000-$5,000+ per month How to save aggressively for a down payment (even on a normal salary) Why Hana and Easton chose to put more money down on their house hack The “overlooked” property that allowed Hana to step away from her W-2 job How this frugal couple got creative on a $30,000 renovation budget And So Much More! Learn more about your ad choices. Visit megaphone.fm/adchoices

In Episode 310 of the FNO: InsureTech Podcast, co-host David Prejeant sits down with Kat Gordienko, Co-founder and CEO of Builty, to explore one of the most overlooked and underutilized data sources in insurance: building permits. What began as a personal home improvement project during the pandemic ultimately sparked the creation of a company focused on transforming fragmented permit records into actionable intelligence for insurers.  Kat shares her journey from analyzing streaming data at Netflix to tackling the complex world of permit data, where information is scattered across more than 20,000 jurisdictions, filled with inconsistencies, abbreviations, and unstructured records. She explains how Builty uses AI and proprietary data models to normalize this information and turn it into meaningful risk insights for underwriting, claims, and property intelligence.  The conversation explores how permit data can reveal information that traditional property data sources often miss, including electrical upgrades, plumbing improvements, fire protection systems, and commercial property modifications. Kat also discusses how Builty is working with insurers, leveraging NVIDIA's Inception program, and uncovering new ways permit data can help carriers better understand future risks before they appear in claims history.  Along the way, David and Kat dive into some of the most unusual building permits ever filed, including catios, residential helipads, falconries, and fur storage facilities, proving that permit data can be both insightful and entertaining.  Key Highlights [07:00] Meet Kat Gordienko and Builty Kat shares her background in data analytics at Netflix and explains how building an ADU project during the pandemic led her to discover the untapped value hidden inside building permit records. [09:00] The Discovery That Started It All After completing a major property improvement project, Kat realized her insurance coverage had not automatically reflected the changes, revealing a gap that ultimately inspired Builty. [11:00] Why Permit Data Is So Difficult A deep dive into the challenges of working with permit records across thousands of jurisdictions, each with different formats, terminology, and standards. [12:00] Teaching AI to Understand Permits Kat explains why off the shelf AI models struggle with permit data and how Builty built specialized systems capable of understanding permit specific language and context.  [14:00] Learning Insurance from Scratch How Kat and her co-founder immersed themselves in the insurance ecosystem through carrier conversations, customer feedback, and industry accelerator programs.  [15:00] Turning Data Into Risk Scores Why clean data is only the starting point and how Builty transforms permit records into practical risk scores for insurers.  [16:00] Unexpected Commercial Insurance Applications How insurers are using permit data to uncover insights about commercial properties, fire protection systems, and other hidden characteristics.  [17:00] The Fire Protection Data Gap Why information about sprinklers, fire doors, and other mitigation systems is often difficult to find and how permit records help close that gap.  [18:00] Looking Beyond Aerial Imagery While aerial imagery can assess roofs and exterior conditions, permit data reveals what's happening inside a property's electrical, plumbing, and mechanical systems. [19:00] Building AI Before the AI Boom Kat discusses Builty's early investment in custom language models and how recent advances in AI have accelerated their ability to process permit data at scale.  [22:00] The Wildest Permits Ever Filed From catios and private helipads to falconries and fur storage facilities, Kat shares some of the most memorable permits her team has uncovered.  [24:00] What Underwriters Might Be Missing How permit data can reveal commercial kitchens, specialty structures, and other risk factors that may not appear in underwriting applications. [26:00] Accelerating With NVIDIA Kat explains how participation in NVIDIA's Inception program is helping Builty improve speed, efficiency, and scalability across its AI models.  [28:00] Expanding Across Insurance A look at Builty's growing carrier relationships and the potential applications of permit intelligence across underwriting, claims, and reinsurance.  [29:00] Predicting Tomorrow's Risks Today Kat shares research exploring whether homes located near data centers experience increased HVAC replacement rates, highlighting the predictive potential of permit data. [ [32:00] The Future of Property Intelligence Why Kat believes permit data should become a standard component of insurance and real estate decision making, helping identify risks before losses occur.  [35:00] Advice for InsurTech Founders Kat shares lessons learned from building Builty, including the importance of finding one meaningful problem, proving value quickly, and earning trust inside the insurance industry.  [36:00] Go Narrow, Then Go Deep The story of Builty's evolution from an ADU marketplace concept into a permit intelligence platform, and why narrowing the focus ultimately created a bigger opportunity.

Send us Fan MailYour marketing can be modern and still miss the point. We're talking with Chad Nall, Director of Sales and Marketing at Pine View Buildings, about why the shed industry is getting louder online while the real winners keep tightening the basics on the ground: lot presentation, consistent follow-up, and a culture that treats dealers like partners instead of accounts.We get into the big shifts Chad has seen in just a couple years, from AI-generated ads to the nonstop fight for better leads and better close rates. Then we pivot to what too many businesses forget while chasing the next digital tool: your lot is a silent salesman, and if it turns into scenery, you're donating sales to anyone who simply shows up. We also talk regional demand in the Carolinas, the reality of permitting, and how softening ADU rules can create opportunity for companies willing to step up product and process.The deeper thread is differentiation. Anyone can copy a shed style or run a discount, but not everyone builds trust through clear communication, integrity behind the scenes, and standards that hold up in slow seasons. We also compare portable buildings to self-storage, why self-storage is winning on convenience and systems, and how our industry can win back customers by telling a better ownership story.If you care about shed sales, dealer performance, portable building marketing, and sustainable growth, hit play. Subscribe, share this with a dealer who needs a reset, and leave a review with one standard you're raising this month.For more information or to know more about the Shed Geek Podcast visit us at our website.Would you like to receive our weekly newsletter?  Sign up on our website: shedgeek.comFollow us on Twitter, Instagram, Facebook, or YouTube at the handle @shedgeekpodcast.To be a guest on the Shed Geek Podcast visit our website and fill out the "Contact Us" form.To suggest show topics or ask questions you want answered email us at info@shedgeek.com.This episodes Sponsors:Studio Sponsor: Shed Geek MarketingShed Sales SummitCALStryker Hunting Blinds

Everyone is talking about Trump's new housing law, but the biggest headlines may be the least important part of the bill.In this episode, Jeb Smith and Josh Lewis break down what the new housing legislation actually does, what was removed before it passed, and whether it will have any meaningful impact on first-time homebuyers.While much of the attention has focused on limiting large institutional investors from buying more starter homes, those investors own a much smaller percentage of the housing market than many headlines suggest. The bill also does not require them to sell the homes they already own, which means buyers should not expect a sudden flood of affordable inventory.The more important provisions may be the ones receiving far less attention. These include a new HUD pilot program designed to make mortgages under $100,000 more accessible, a permanent process allowing buyers to challenge low appraisals, potential savings on manufactured housing, higher financing limits, and expanded options for accessory dwelling units.Jeb and Josh explain who may benefit from these changes, why the effects will vary dramatically by market, and why buyers should not wait for Washington to solve affordability, inventory, or interest rates.✅ Are you Ready To Become A Homeowner: https://www.buyrightborrowsmart.com/quiz.✅ Start your stress-free journey today: https://www.theeducatedhomebuyer.com/start..Topics DiscussedWhat Trump's new housing law actually changesWhy institutional investors are not being forced to sellHow many homes large corporate investors really ownWhy the investor restrictions may have little immediate impactThe new small-mortgage pilot programGrants for down payments, closing costs, appraisals, and title insuranceWhat buyers can do when an appraisal comes in lowChanges affecting manufactured homes and ADU financingWhy government policy will not fix housing affordability overnightHow to determine whether you are actually ready to buyTimestamps00:00 Trump's new housing law and the misleading headlines01:50 Why the bill received overwhelming bipartisan support02:40 What happened to the proposed corporate investor selloff04:45 Why corporations started buying single-family homes06:35 Market-based solutions versus government restrictions08:03 How much of the housing market institutional investors actually own09:01 The two provisions that could help first-time buyers09:43 The new mortgage program for loans under $100,00012:28 What happens when an appraisal comes in low13:03 Reconsideration of value and appraisal challenges14:50 Manufactured housing changes and potential cost savings15:23 Higher FHA limits, ADU financing, and chattel loans16:20 Why the law will not transform housing overnight17:10 The political reality behind major housing legislation17:37 How buyers should decide whether now is the right time18:25 The two-minute homebuyer readiness quiz19:16 The financial and lifestyle factors that matter mostThe Educated HomeBuyer helps buyers understand the housing market, mortgage process, and financial decisions involved in purchasing a home. Subscribe for straightforward conversations designed to help you buy right, borrow smart, and build wealth.

Most agents think leaving a listing appointment without a signed agreement is a failure. That belief is costing you more deals than you know. Real estate agent emotional intelligence is not about being nice. It is about having the judgment to tell a seller the truth even when the truth is "don't list right now", and understanding that move builds more trust than any closing script ever will.I walked into a situation where a husband came to me wanting to sell. His wife had stage 4 cancer and did not want to move. They had an ADU sitting empty. Most agents would have tried to work the deal anyway. I told him the most probable outcome was simple: rent out the ADU, bring in $3,000 a month, let his wife stop working and stay in the home she loves. He agreed. No listing. No commission. And now he trusts me completely.Here is what that conversation taught me about telling sellers the truth and why being fully unattached to the outcome is the highest-leverage thing you can do as a listing agent:✅ Why seller trust evaporates the moment they sense you need the deal more than they do✅ The difference between real estate agent good judgment and just running a script at an appointment✅ How probability thinking changes the way you read every seller situation you walk into✅ Why some sellers will never list until they hit rock bottom, and why that is not your job to fix✅ The four skills you actually need to list property at high volume, and which one nobody is coachingThis is what listing agent mindset looks like in the real world. Not theory. Not a role play. A real conversation about a real situation where the right call was to walk away.If you have ever lost a seller you thought was close and had no idea why, this one is for you.

Sky has a college student renting out her ADU currently. Usually when she goes on vacation or leaves for an extended amount of time, she let's Sky know. Well this time she didn't and Sky wants to know what she should to to see if her tenant is ok...See omnystudio.com/listener for privacy information.

In this episode, we chat with Samantha Lauritzen, a new real estate agent in Washington State, about her journey, innovative ADU opportunities, and social media strategies to grow her business.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Paul Dashevsky. Serial entrepreneur and founder of Maxwell, a platform focused on Accessory Dwelling Units (ADUs), also known as tiny homes:

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Paul Dashevsky. Serial entrepreneur and founder of Maxwell, a platform focused on Accessory Dwelling Units (ADUs), also known as tiny homes:

What happens when a legendary New Jersey comedian sits down with two completely unfiltered gay hosts over Armenian coffee? Pure comedy chaos. This week we welcomed comedian Mike Marino to Undressed with Pol' and Patrik while we were in New York City, and from the second he walked in, we couldn't stop laughing. Between Mike's quick wit, our nonstop banter, and SnowWhite90210 stealing the spotlight as always, this episode felt like old friends sitting around the kitchen table. We talked about Mike's incredible 35-year career, spending a decade performing sketch comedy on The Tonight Show with Jay Leno, touring the world, opening for legendary performers, and why comedians don't make their money from television specials—they make it on the road. Mike also gave us a behind-the-scenes look at his brand-new Amazon Prime comedy special, Back to School with Mike Marino, filmed inside the very high school where his stand-up journey began at just sixteen years old. We loved hearing how the local drama students helped build the set and how every ticket sold benefited the school's drama department. Of course, we couldn't resist talking Hollywood. We swapped stories about Jay Leno, Jon Voight, Jamie Kennedy, Tom Arnold, Frank Stallone, Robert Davi, Dino Martin, Martin Short, Comics Unleashed, the Beverly Hills Film Festival, and even our unforgettable evening sitting next to Jon Voight, Dyan Cannon, and Fran Drescher. Mike also shared hilarious stories about being the "plant" in Jay Leno's audience and how sometimes Jay depended on Mike to rescue jokes live on television. The conversation quickly turned into a comedy masterclass as Mike explained that the funniest material always comes from real life. Family, relationships, getting older, and everyday experiences connect with audiences far more than memorized punchlines. His advice to us? Our timing, chemistry and playful banter could easily become a comedy act of its own! Then it was time for Pol's famous Armenian Coffee Reading. The coffee revealed a beautiful new chapter ahead for Mike. Pol saw a man entering the most authentic and rewarding period of his career, predicting that success would come from embracing who he is today instead of the "New Jersey Bad Boy" persona that first made him famous. The reading also highlighted the deep peace Mike has finally found with his fiancée Heather, along with an unexpected future opportunity that's even bigger than anything he's already accomplished. Naturally, things went completely off the rails as we volunteered to become Mike's "gaybers," debated building an ADU in his backyard, joked about Only Thumbs, and nearly moved ourselves into the house next door in New Jersey. It was heartfelt, hilarious, inspiring and exactly the kind of unfiltered conversation we love sharing with all of you. BEST QUOTE: "I used to be the New Jersey Bad Boy. Now I'm just happy." Subscribe to our audio:linktr.ee/undressedpod Follow Pol Atteu:Instagram: @polatteuTikTok: @polatteuTwitter: @polatteuwww.polatteu.com Follow Patrik Simpson:Instagram: @patriksimpsonTikTok: @patriksimpsonwww.patriksimpson.com Follow SnowWhite90210:Instagram: @snowwhite90210Twitter: @SnowWhite9010www.snowwhite90210.com Watch Gown and Out in Beverly Hills on Prime Video.www.gownandoutinbeverlyhills.com #UndressedPodcast #ArmenianCoffeeReading #SnowWhite90210 Armenian Coffee Reading SnowWhite90210 SnowBubu is a Perfect gift! Learn more about your ad choices. Visit megaphone.fm/adchoices

At 31, James sat down at a kitchen table with his wife Aida, ran the numbers on the next 30 years, and didn't like what he saw—$200,000 in student loans and a retirement plan neither of them believed in. So they stopped waiting for a change, and built something instead. Welcome back to the Real Estate Rookie podcast! Our guest, James Doren, and wife, Aida, didn't have a trust fund or an obvious path forward. They had a spreadsheet, a private money lender, and an empty space above their garage. This accessory dwelling unit (ADU) solution added 50% value on their equity, wiped out their student loans, and set them on a path that most investors never consider: intentionally shrinking their portfolio from 10 doors to 4. But the deal that surprised them most didn't come from an agent or Zillow. It came from a tenant who knocked on their door with a problem the bank couldn't solve! James breaks down the house hack that started it all, how he convinced a private money lender to fund the build, and the rent-to-own agreement he structured for his tenant that gave both sides exactly what they needed. If you've ever sat at your own kitchen table and wondered if there's a better way…James's story is your proof that there is! In This Episode We Cover How James and Aida used weekly money dates to align on their financial goals and take their first step into real estate The ADU build that created $160K in equity How to approach a private money lender and handle the tough questions Why James intentionally sold 6 properties and why owning fewer doors actually made him more money!  The rent-to-own agreement a tenant brought to them: how it works, what an option fee is, and why it removed all their risk And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠t⁠⁠tps://www.biggerpockets.com/blog/rookie-734⁠⁠. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.  Learn more about your ad choices. Visit megaphone.fm/adchoices