Podcasts about All in One

Wondering how today's mortgage rates and loan types could impact your next real estate investment? In this episode of The Real Wealth Show, host Kathy Fettke and guest Caeli Ridge unpack the current lending landscape and what it means for investors looking to grow their portfolios. They break down the differences between conventional and non-QM loans, how to navigate beyond conforming loan limits, and why the All-In-One loan is gaining traction among experienced investors. You'll also learn how debt service coverage ratio (DSCR) loans work, when refinancing makes sense, and how to make smart borrowing decisions based on your unique financial goals. Topics Discussed: 00:00 Intro 01:45 Mortgage Rates 04:15 Conventional Loans 07:47 Non-QM Loans and DSCR 14:31 All in One Loan Product LINKS: RealWealth® WEBINARShttps://realwealth.com/webinars/ JOIN RealWealth® FOR FREE https://tinyurl.com/joinrws1051 FOLLOW OUR PODCASTS The Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS Real Estate News: Real Estate Investing Podcast: https://link.chtbl.com/REN FREE RealWealth® EDUCATION & TOOLS RealWealth Market Reports: https://realwealth.com/learn/best-places-to-buy-rental-property/ RealWealth Videos: https://realwealth.com/category/video/ RealWealth Assessment™: https://realwealth.com/assessment/ READ BOOKS BY RealWealth® FOUNDERS The Wise Investor by Rich Fettke: https://tinyurl.com/thewiseinvestorbook Retire Rich with Rentals by Kathy Fettke: https://tinyurl.com/retirerichwithrentals Scaling Smart by Rich & Kathy Fettke: https://tinyurl.com/scalingsmart DISCLAIMER The views and opinions expressed in this podcast are provided for informational purposes only, and should not be construed as an offer to buy or sell any securities or to make or consider any investment or course of action. For more information, go to www.RealWealthShow.com

To kick off the 200s with a bang, guest host Megan Ahern. Denlis is back in the studio for this special milestone episode of The Real Estate Rundown with Owen & Ted. And chaos? Yeah, we've got plenty. We're talking evictions, sewer disasters, structural nightmares, a snake infestation, and enough rehab overages to make your lender sweat. But Megan pulled it off, proving what real staying power looks like when everything goes sideways.Inside this episode:How Megan dumped $200K+ into a nightmare deal and lived to tell about itLessons learned from ignoring inspections (don't do it)What to say to your lender when you're out of time and moneyHow the All-In-One mortgage works—and why it might change your gameDenlis back on the mic with vintage podcast chaosFavorite podcast memories, from BPCon scooters to a drunken Episode 100 bashThis is the real talk you don't get from gurus—the deals that go sideways, the lessons that cost real money, and the wins that come from pushing through.Brandon Turner Joins Us Wednesday It only gets bigger from here. This Wednesday, we're dropping Episode 200 with Brandon Turner himself. You'll hear stories you won't find on other podcasts and get a rare look behind the curtain with one of the biggest names in the game. Trust us—you won't want to miss it.Love what we're doing? Help us keep it going. Leave a 5-star review, tell us your favorite episode or moment, and share the show with someone who's in the trenches with you. Real estate's hard. We keep it real.Watch us on YouTube: https://youtu.be/iQ_JS7ogC3wYou can Join the Omaha REIA - https://omahareia.com/join-today Omaha REIA on Facebook - https://www.facebook.com/groups/OmahaREIA Check out the National REIA - https://nationalreia.org/ Find Ted Kaasch at www.tedkaasch.com Owen Dashner on Facebook https://www.facebook.com/owen.dashner Instagram - https://www.instagram.com/odawg2424/ Red Ladder Property Solutions - www.sellmyhouseinomahafast.com Liquid Lending Solutions - www.liquidlendingsolutions.com Owen's Blogs - www.otowninvestor.com www.reiquicktips.com Propstream - https://trial.propstreampro.com/reianebraska/RESimpli - https:...

Environmental Control …..Definitely the most important aspect of commercial growing. The difference between success and failure. This week we have left the control of our whole show to our first guest Michael the man behind @tricleanair with 20 years of experience with environmental control in commercial gardens Michael saw the need for purpose built DHVAC units, which is an All-In-One system that can control Temperature, Humidity, and CO2 also TriFog Humidity Control systems and DirOxy Dissolved Oxygen Injection systems. Lots of tech talk, but on top of that Michael has created community with some of our old friends such as Ruga from @grassrootscalifornia who rumour has it might be LIVE in studio. We will also talk to some new friends and some of his successful clients such as Bean from @maven_genetics out of LA who believe that everyone who seeks more from cannabis is a connoisseur, an enthusiast, and a true Maven. Also joining the convo is Lance aka @craft_farmer707 who is utilizing Under Canopy lighting and crushing it by the way and finally Jacob @mi_gas from @sevenpointsupply out of Danville Illinois who like our other guests are creating craft cannabis on scale which can only be done with the right equipment which luckily dedicated people like Michael have designed from the ground up. We will also be blessed to have @juiceboxbox and @weedshouldtastegood gracing the studio and joining us for Patreon. So get that @dabx GO rig charged your @jerome_baker bong Clean with some ice

Do you have a pet dog, cat, or maybe a bird or a horse? Have you ever wondered what your furry friend is really thinking? What if you could tap into a deeper level of communication, beyond barks and meows? In this episode, we dive into the fascinating world of animal communication with Shannon Cutts, an expert who unlocks the secrets of intuitive connection and who also happens to be a member of Raise Your Vibration.  Shannon is a professional animal sensitive and intuitive, Reiki Master and animal communication teacher with Animal Love Languages. Shannon's global client base seeks her out for help with pet anxiety, highly sensitive pets, pet transition, pet reincarnation, interspecies family dynamics and more, which makes her the perfect guest to be sharing her knowledge with us today. So, join us as we uncover how to truly listen, not just with our ears, but with our hearts, and discover the extraordinary language our animals speak. Prepare to see your pets in a whole new light!  Has something we shared in this episode resonated with you, or inspired you to interact with the pet you love in a different way? We'd love to hear from you, so tag us or share your thoughts by DM on Instagram, @jill_foubister and @loveandfeathersandshells.  My powerful spiritual toolbox that will deepen your connection to your higher self and expand your consciousness is available now! The Ascension Keys is 45 of the most powerful ASCENSION TOOLS...now ALL IN ONE deck, and you can get them and unlock your ascension at https://www.jilltrainings.com/AscensionKeys. I'm so excited for these because everyone needs a spiritual toolbool, and this will literally change your life!  When you don't know how you sense energy, it's easy to think, "I'm not intuitive." "I'm just not gifted." or worse, "I can't trust myself." The Universe is trying to communicate to you. You've just been unaware of the WAY the messages are coming in. Take my 78 second quiz to reveal your dominant intuitive modality instantly. No more wondering, waiting or guessing! Unlocking your intuition starts right now at https://www.jilltrainings.com/quiz!  Thanks so much for listening! If you haven't yet done so, I would love for you to subscribe and leave a rating and review on your favorite podcast app, and I'll see you back here very soon with a brand-new episode. For full show notes and links, visit: www.jilltrainings.com/blog/40 

Butts & Moff breakdown this week's podcast, Butts press conference mishap and we preview our upcoming guest next week..... This episode of the "Recovery” is brought to you by Salt Movement & Recovery — Melbourne's ALL-IN-ONE wellness hub! Train YOUR way with fully customizable memberships: High-Performance Gym Floor  Recovery Zone Normatec Compression Lounge Group Fitness Classes Whether you're recovering from a brutal game like Chom and Drapes, pumping iron in the gym like me, or sweating off magnums like Butts — Salt Movement & Recovery has you covered. Ready to train smarter and recover better? Hit up saltfit.com.au and get moving today! Quote '200Plus' when signing up at reception and you'll get a $0 sign up fee + the first 2 weeks free! Send us your voice messages here: https://memo.fm/200pluspodcast/ Produced by Josh Moffitt 200 PLUS Instagram: https://www.instagram.com/200pluspod/ Sam Draper: www.instagram.com/drvper/ Nick Butler: https://www.instagram.com/nick_butler10/ Charlie Comben: https://www.instagram.com/charliecomben/ Clubby Sports: https://www.instagram.com/ClubbySports Producey: https://producey.com/

Recovery is back as we unpack this week's podcast, we're joined by our editor Benny who gives an update on how he's been handling the edit. We breakdown the call with Ang Christou, Butts' PPA from the 7Eleven clip and debate whether pushing Ted into karate for some self-defense is the right move. This episode of the "Recovery” is brought to you by Salt Movement & Recovery — Melbourne's ALL-IN-ONE wellness hub! Train YOUR way with fully customizable memberships: High-Performance Gym Floor  Recovery Zone Normatec Compression Lounge Group Fitness Classes Whether you're recovering from a brutal game like Chom and Drapes, pumping iron in the gym like me, or sweating off magnums like Butts — Salt Movement & Recovery has you covered. Ready to train smarter and recover better? Hit up saltfit.com.au and get moving today! Quote '200Plus' when signing up at reception and you'll get a $0 sign up fee + the first 2 weeks free! Send us your voice messages here: https://memo.fm/200pluspodcast/ Produced by Josh Moffitt 200 PLUS Instagram: https://www.instagram.com/200pluspod/ Sam Draper: www.instagram.com/drvper/ Nick Butler: https://www.instagram.com/nick_butler10/ Charlie Comben: https://www.instagram.com/charliecomben/ Clubby Sports: https://www.instagram.com/ClubbySports Producey: https://producey.com/

Have you ever wondered why some of your vision board dreams manifest, while others seem to fall flat? Have you ever felt that disconnect between your desires and your reality, and you've been left frustrated with the process? If you have ever felt this way, then this episode is for you! What I share to today will absolutely transform your vision board from a wish list into a powerful tool for creation.  I'm here to tell you that no matter what you want, no matter what you put on your vision board, you CAN have it, I mean anything, and I'm going to show you how!   If you give my way of vision boarding a try, I would love to hear your thoughts and how it has worked for you!  Tag me or share your thoughts by DM on Instagram, @jill_foubister.   My powerful spiritual toolbox that will deepen your connection to your higher self and expand your consciousness is available now! The Ascension Keys is 45 of the most powerful ASCENSION TOOLS...now ALL IN ONE deck, and you can get them and unlock your ascension at https://www.jilltrainings.com/AscensionKeys. I'm so excited for these because everyone needs a spiritual toolbool, and this will literally change your life!  When you don't know how you sense energy, it's easy to think, "I'm not intuitive." "I'm just not gifted." or worse, "I can't trust myself." The Universe is trying to communicate to you. You've just been unaware of the WAY the messages are coming in. Take my 78 second quiz to reveal your dominant intuitive modality instantly. No more wondering, waiting or guessing! Unlocking your intuition starts right now at https://www.jilltrainings.com/quiz!  Thanks so much for listening! If you haven't yet done so, I would love for you to subscribe and leave a rating and review on your favorite podcast app, and I'll see you back here very soon with a brand-new episode. For full show notes and links, visit: www.jilltrainings.com/blog/39 

Short and snappy show - Butts tells us that he's seen more then just football down at the Pies opening training and his PPA from last night's show. We also chat if Basil Zemplis had Butts covered on the field. This episode of “The Recovery” is brought to you by Salt Movement & Recovery — Melbourne's ALL-IN-ONE wellness hub! Train YOUR way with fully customizable memberships: High-Performance Gym Floor  Recovery Zone Normatec Compression Lounge Group Fitness Classes Whether you're recovering from a brutal game like Chom and Drapes, pumping iron in the gym like me, or sweating off magnums like Butts — Salt Movement & Recovery has you covered. Ready to train smarter and recover better? Hit up saltfit.com.au and get moving today! Quote '200Plus' when signing up at reception and you'll get a $0 sign up fee + the first 2 weeks free! Send us your voice messages here: https://memo.fm/200pluspodcast/ Produced by Josh Moffitt 200 PLUS Instagram: https://www.instagram.com/200pluspod/ Sam Draper: www.instagram.com/drvper/ Nick Butler: https://www.instagram.com/nick_butler10/ Charlie Comben: https://www.instagram.com/charliecomben/ Clubby Sports: https://www.instagram.com/ClubbySports Producey: https://producey.com/

Do you ever feel like your life's a snow globe, shaken upside down just when you thought you had it all together? Have you ever considered that your most frustrating moments are simply the flip side of your greatest potential, and those chaotic days hold the key to unlocking your true power? In this episode, I share how I recently experienced a rollercoaster of emotions, and I reveal a powerful tool that I used to reclaim my inner peace. I was reminded that we all can truly shift our reality by simply shifting our thoughts, always, and being aware of The Law of Polarity is how we can do it.  Are you open and ready to learn how to harness the power of duality, and experience an instant energy shift? If so, I created this episode just for YOU.  I would absolutely love to hear if you tried the tool from today's episode and how it worked for you!  Tag me or share your thoughts by DM on Instagram, @jill_foubister.  My powerful spiritual toolbox that will deepen your connection to your higher self and expand your consciousness is available now! The Ascension Keys is 45 of the most powerful ASCENSION TOOLS...now ALL IN ONE deck, and you can get them and unlock your ascension at https://www.jilltrainings.com/AscensionKeys. I'm so excited for these because everyone needs a spiritual toolbool, and this will literally change your life!  When you don't know how you sense energy, it's easy to think, "I'm not intuitive." "I'm just not gifted." or worse, "I can't trust myself." The Universe is trying to communicate to you. You've just been unaware of the WAY the messages are coming in. Take my 78 second quiz to reveal your dominant intuitive modality instantly. No more wondering, waiting or guessing! Unlocking your intuition starts right now at https://www.jilltrainings.com/quiz!  Thanks so much for listening! If you haven't yet done so, I would love for you to subscribe and leave a rating and review on your favorite podcast app, and I'll see you back here very soon with a brand-new episode. For full show notes and links, visit: www.jilltrainings.com/blog/38 

Recovery is back for 2025 - proudly brought to you by SALT Movement & Recovery - Melbourne's ALL-IN-ONE wellness hub! Butts & Moff have seen all the news and backlash about beep-gate in the first episode, we heard you! So we told Buttsy shit story one more time. We also chat through the fallout from episode one which led to a 'Man Chat' between Moff and Butts. Enjoy plums and remember to GET THE KNEES UP! This episode of “The Recovery” is brought to you by Salt Movement & Recovery — Melbourne's ALL-IN-ONE wellness hub! Train YOUR way with fully customizable memberships: High-Performance Gym Floor  Recovery Zone Normatec Compression Lounge Group Fitness Classes Whether you're recovering from a brutal game like Chom and Drapes, pumping iron in the gym like me, or sweating off magnums like Butts — Salt Movement & Recovery has you covered. Ready to train smarter and recover better? Hit up saltfit.com.au and get moving today! Quote '200Plus' when signing up at reception and you'll get a $0 sign up fee + the first 2 weeks free! Send us your voice messages here: https://memo.fm/200pluspodcast/ Produced by Josh Moffitt 200 PLUS Instagram: https://www.instagram.com/200pluspod/ Sam Draper: www.instagram.com/drvper/ Nick Butler: https://www.instagram.com/nick_butler10/ Charlie Comben: https://www.instagram.com/charliecomben/ Clubby Sports: https://www.instagram.com/ClubbySports Producey: https://producey.com/

Ever wonder if you're truly listening to your inner voice? What if tapping into your intuition could completely transform your business and personal life? Today, I am so excited to introduce you to a member of my signature program, Raise Your Vibration, who is experiencing this exact thing in real time and is here to share all about it.  I wanted to feature Lauren's journey through Raise Your Vibration, because I really think her experience is not only relatable as a mom and a business owner, but also her story of how she discovered her intuition and the ways that she has applied it to her daily life!  Are you looking to strengthen your own intuition, or have an experience of how you've used your “mommy intuition” like Lauren did?  We want to hear all about it! Tag us or share your thoughts by DM on Instagram, @jill_foubister and @laurenmonique.business.  As you heard in last week's episode, I'm now offering my powerful spiritual toolbox that will deepen your connection to your higher self and expand your consciousness. The Ascension Keys is 45 of the most powerful ASCENSION TOOLS...now ALL IN ONE deck, and you can get them now and unlock your ascension at https://www.jilltrainings.com/AscensionKeys. I'm so excited for these because everyone needs a spiritual toolbool, and this will literally change your life!  When you don't know how you sense energy, it's easy to think, "I'm not intuitive." "I'm just not gifted." or worse, "I can't trust myself." The Universe is trying to communicate to you. You've just been unaware of the WAY the messages are coming in. Take my 78 second quiz to reveal your dominant intuitive modality instantly. No more wondering, waiting or guessing! Unlocking your intuition starts right now at https://www.jilltrainings.com/quiz!  Thanks so much for listening! If you haven't yet done so, I would love for you to subscribe and leave a rating and review on your favorite podcast app, and I'll see you back here very soon with a brand-new episode. For full show notes and links, visit: www.jilltrainings.com/blog/37 

Recently, I was asked how I discovered my intuitive gifts, so I really wanted to dive into this question on the podcast in order to help you discover yours! Today, I tell you a bit about my backstory growing up and how I became aware of and developed my own spiritual gifts, the one thing that made them stronger, and the way it has led me to manifest incredible opportunities since as a result. If you are wondering if it is possible for you to tap into this same intuitive power, YES, it absolutely is, and in this episode, I show you how!  Do you have similar experiences of tapping into your own spiritual gifts and intuition? I want to hear all about it! Tag me or share your thoughts by DM on Instagram, @jill_foubister.   As you heard, I'm so excited to be offering my powerful spiritual toolbox that will deepen your connection to your higher self and expand your consciousness. The Ascension Keys is 45 of the most powerful ASCENSION TOOLS...now ALL IN ONE deck, and you can get them now and unlock your ascension at https://www.jilltrainings.com/AscensionKeys. I'm so excited for these because everyone needs a spiritual toolbool, and this will literally change your life!  When you don't know how you sense energy, it's easy to think, "I'm not intuitive." "I'm just not gifted." or worse, "I can't trust myself." The Universe is trying to communicate to you. You've just been unaware of the WAY the messages are coming in. Take my 78 second quiz to reveal your dominant intuitive modality instantly. No more wondering, waiting or guessing! Unlocking your intuition starts right now at https://www.jilltrainings.com/quiz! Thanks so much for listening! If you haven't yet done so, I would love for you to subscribe and leave a rating and review on your favorite podcast app, and I'll see you back here very soon with a brand-new episode. For full show notes and links, visit: For full show notes and links, visit: www.jilltrainings.com/blog/36

001. All In One, The Freak Show - Follow Your Dreams (Original Mix) [Blue Tunes Records] 002. Second Sun, MJFuNk, Axipuy - Colors (Krama Remix) [SpinTwist] 003. Botond - Ultimate Dream (Original Mix) [[TesseracTstudio] 004. Frangipani - Into Space (Original Mix) [Progg N Roll] 005. Miirage, Macedo (BR), Invader Space - Perdidos em Azkaban (Original Mix) [Ubuntu Psy Records] 006. Sabretooth - Ground Truth (Original Mix) [BMSS Records] 007. Ekanta, Punk Rocket, Weberly - Amawole (Original Mix) [Vagalume Records] 008. Sabretooth - God Speed (Original Mix) [BMSS Records] 009. Transient Disorder - Sacred Timeline (Original Mix) [Dacru Records] 010. Relativ, MoRsei - Are We Dreaming (Original Mix) [[Digital Om] 011. Opposite Effect - Planet Of Disconnect (Original Mix) [Rave Tool]

I'd LOVE to hear from you! Now you can send a TEXT MESSAGE! Be sure to leave your contact EMAIL so I can return your message!Today's Partner Episode is brought To You By DrChrono by EverHealth!Start your FREE TRIAL TODAY and see why DrChrono by EverHealth is the #1 All-In-One Mobile EHR!Dr. Alex Foxman joins host Dr. Maryal Concepcion to delve into his journey opening three practices, including the Beverly Hills Institute, his mobile home visit service, and his national virtual weight loss program. He details how DrChrono by EverHealth has revolutionized his clinical operations, enabling seamless communication and task management for each of these practices because it is an All-In-One, cloud-based, customizable EHR. The discussion also touches on the future of AI in healthcare data analytics, positioning DrChrono by EverHealth as a frontrunner in technological advancement.Listeners gain valuable tips on evaluating EHRs, considering factors like workflow compatibility, ease of use, efficiency, and customizability that he has enjoyed with DrChrono by EverHealth. Start your FREE TRIAL TODAY and see why DrChrono by EverHealth is the #1 All-In-One Mobile EHR!Support the showBe A My DPC Story PATREON MEMBER! SPONSOR THE PODMy DPC Story VOICEMAIL! DPC SWAG!FACEBOOK * INSTAGRAM * LinkedIn * TWITTER * TIKTOK * YouTube

Live from the Relay Podcastathon, Jason and special guest Casey Liss ask John a bunch of questions from the Robot Or Not question list. Topics include: All-In-One computers, dates, pasta, and antique vs. retro. It’s Childhood Cancer Awareness Month. Please consider donating as a part of our campaign at stjude.org/relay. John Siracusa and Jason Snell with Casey Liss.

Live from the Relay Podcastathon, Jason and special guest Casey Liss ask John a bunch of questions from the Robot Or Not question list. Topics include: All-In-One computers, dates, pasta, and antique vs. retro. It’s Childhood Cancer Awareness Month. Please consider donating as a part of our campaign at stjude.org/relay. John Siracusa and Jason Snell with Casey Liss.

Which online course platform is the best in 2024? Let's talk about what you should consider.. and how to compare the different options in this episode! And be sure to check out the 20% off Kajabi special at https://CourseCreatorsHQ.com/204. LINKS MENTIONED  Get 20% off the monthly Kajabi plans for the first year... PLUS free coaching with host Julie Hood for 10 weeks AND her Kajabi training course when you sign up here:   https://CourseCreatorsHQ.com/Kajabi20        KEY TAKEAWAYS FOR ONLINE COURSE CREATORS   6 parts of hosting your course:  1. Host your files (videos, audios, worksheets)  2. Login and lock content  3. Email your students  4. Way to get paid - sales page and advanced * affiliate tracking  5. Community  6. Mobile  The other 4 parts of your online business:  7. Landing pages /optin pages  8. Email Newsletters  9. Blog  10. Website    15 Questions to Ask About Any Only Course Tool  1. Is this a Course Host? All-In-One tool? Or somewhere in between?  2. How is the student experience?  3. Where will you host your videos?  4. Do they have an affiliate program built in? (even if it's an upgrade)  5. What's the pricing?   6. How long can I invest before I make sales?  7. Contact Support. How responsive are they? What kind of support?  8. How long has the company been around?  9. Does it work with the tools I already have? (without having to buy Zapier)  10. What kinds of automations are available?   11. Do I need mobile?   12. Do I need a community NOW?  13. Can I see student progress? How much they have logged in? How many lessons they have done?  14. How much control do I have over the look and feel?  15. Do I need extras? Quizzes, Completion Certificates, Load bulk users, VAT Taxes. Anything else?      COME VISIT JULIE!  Get on the email list AND get the FREE Ultimate Course Creators Planner -  https://coursecreatorshq.com/2024PlannerPodcast  Get this free course -  Is My Course Idea Any Good? here -https://www.coursecreatorshq.com/ideaGoodPods Let's talk about this episode on GoodPods – https://CourseCreatorsHQ.com/goodpods (mobile only, download the app first) Website https://www.CourseCreatorsHQ.comYouTube  https://coursecreatorshq.com/YouTubePodcast   Facebook https://www.facebook.com/CourseCreatorsHQInstagram  https://www.instagram.com/CourseCreatorsHQTwitter https://www.Twitter.com/CourseHQThreadshttps://www.threads.net/@coursecreatorshq  Disclaimers  https://coursecreatorshq.com/disclaimers/

Today on the show, we are joined by Director of ETFs, Andrei Bruno, as he dives into exciting new developments in our ETF and alternative investments lineup. He discusses the expansion of our 4 new ETF series: the Emerging Markets Fund, the Global Equity+ Balanced Fund, the Global Equity+ Fund, and the Tactical High Income Fund. These new products will bring options to investors looking for more choice and access. Following the latest trends in mutual funds and ETFs, Andrei discusses tradeoffs advisors may face - looking at fee structures, fund volatility, and diversification potential. He also identifies the target market for each of the funds in the series, and how they are integrated in the mandated investment strategies. Andrei also talks about the All-In-One's exposure regions and its users, and how it works in relation to the new ETF series and the opportunities it brings. Recorded on May 23rd, 2024 At Fidelity, our mission is to build a better future for Canadian investors and help them stay ahead. We offer investors and institutions a range of innovative and trusted investment portfolios to help them reach their financial and life goals. Fidelity mutual funds and ETFs are available by working with a financial advisor or through an online brokerage account. Visit fidelity.ca/howtobuy for more information. For the third year in a row, FidelityConnects by Fidelity Investments Canada was ranked the #1 podcast by Canadian financial advisors in the 2023 Environics' Advisor Digital Experience Study.

This weekend's 1 in 36 guests are Daniel and Nicolas Caridi. This brother duo run Kibu - a new approach to inclusivity, based in Stamford, CT. Daniel is the Co-Founder and CEO of Kibu, Nicolas is the Marketing Director and Director of Partnerships. Kibu is an All-In-One platform for providers, parents, and schools. For individuals, Kibu offers engaging fitness, recreational, job, and life skills classes. Kibu also helps organizations with engaging content and administrative tools. Tune in to learn more or visit: https://kibuhq.com/

Bob is fascinated by the balance between the need for regulation and the vast growth of the administrative state. We are also fascinated by just how much the political winds impact the law...even though we like to believe it is solid and hard to change.  Look no further than the 88-year-old National Labor Relations Act, and the National Labor Relations Board (NLRB) which it created. It is now under fire at the Supreme Court.A product of the New Deal, the NLRB has yet to face such a challenge in the modern era, but major companies like SpaceX, Starbucks, and Trader Joe's have marshaled a constitutional challenge to the legitimacy of its composition and enforcement activities, hoping to eventually find a sympathetic ear before the U.S. Supreme Court, currently controlled by a conservative majority. These arguments range from challenges to the board's impartiality to issues concerning the separation of powers doctrine, given the inability to remove board members except “for cause,” to violations of due process and deprivation of the right to trial by jury under the Fifth and Seventh Amendments, respectively. And given the Biden NLRB's aggressive policy and enforcement prerogatives, these arguments have begun to become commonplace defenses against its actions.John Balitis knows the NLRB. He knows what it is like to "walk in" and face an administrative investigation/prosecution/enforcement/judicial and appellate body...ALL IN ONE!His prediction? Somehow the board...which impacts virtually every workplace...is likely going to be a different animal once the Supreme Court rules.  How different?  What does it mean for employers?  Employees?Take a listen now!

In this week's episode we give you ALL the juice behind VOOMIE! In this episode, you'll hear:

Isaiah has an encounter while looking through some old files; Romy takes charge.Join us on Discord!Follow us on Twitter at @maeltopiaWant to learn more about the world of Maeltopia? Check out our website!Want additional perks like extra lore, stories, art, and more? Check out our Patreon at: www.patreon.com/maeltopiaWant unique art and animations to go along with your Maeltopia episodes? Check out our Youtube channel at: https://www.youtube.com/channel/UCmmrdXEvkEPfQvCKT4pha4QBe sure to like, comment, rate and review us on Apple Podcasts, Spotify, or your favorite podcast platform! We appreciate your support!Credits:Written by Mark AnzaloneEdited by Walker KornfeldSound mastering by Steven J. Anzalone--Rosemary voiced by Kelly BairIsaiah Stroud voiced by Mark AnzaloneDrowkerr voiced by Mark AnzaloneThorn Mary voiced by Kelly BairShane Starkweather voiced Mark AnzaloneEsoterian voiced by Mark AnzaloneGuard voiced by Steven Anzalone--Intro and Outro music by Steven AnzaloneMusic by Jello and PB&J,Vasil Yatsavich, All In One, and DS Productions, Music and Sound effects are licensed from third party providers including Envato, Epidemic Sound, Artlist, Soundstripe, Melody Loops, Pond 5, Soundcrate, Music Vine, Youtube, Melodie, Slipstream, and StoryblocksDisclaimer:This show is written in a first-hand, first-person format from uncertain and inconsistent narrators. This show explores specific mental health conditions. Whilst there is consistent use of derogatory terms for those with specific conditions or neurodivergence including lunatic, maniac, crazy, psychosis etc., this show is written and produced by a team that live with some of the specific illnesses featured within, including Tourette's syndrome, schizoaffective disorder, insomnia, obsessive compulsive disorder, hallucinations, delusions, anxiety and depressive conditions, among others. Our team also features an academic background in neurology and psychology that has been drawn on to aim for sensitivity and accuracy. The intent of the language and experiences within the Sleep/Wake Cycle, and the extended works of Maeltopia, are designed to explore these conditions and their related isolation and degradation as experienced first hand. The world of Maeltopia is one where the mentally unwell are the majority. Yet there are still outliers who are hunted out. Content warnings: Murderers Audio Hallucinations Visual Hallucinations Fear of the Dark Menacing AgenciesDerogatory terms for Mental IllnessDiscussions of religionBody Horror Hosted on Acast. See acast.com/privacy for more information.

The choice of deciding between an All-in-One vs. Best-in-Breed systems and applications is one many operators are faced with. When you look for an All-In-One system, you have to define what this means within the total system. Otherwise, The types of systems that fall under Best-of-Breed could be a subset of a larger application with several different individual applications such payroll, pos, loyalty, scheduling, digital signage, inventory, etc. making it an All-in-One!The approach to either of these, as Accelerate host Rob Grimes always says, define your requirements in writing upfront, and think holistically.When you compare the two side by side, Best-of-Breed functions and features may offer close to 100% functionality in a certain area, where All-in-One systems may only be 95% to 98%. The question will be, is the percentage in less functionality of feature, more important to you, and are you able to give that up because of a better cost or a single supplier. Small operators especially may not want to implement multiple different systems.Many times, Best-of-Breed technologies come from outside of the hospitality industry. Accounting applications, for example, were created to assist with virtually every industry. Best-of-Breed is really the ability to have freedom of choice - being able to replace one system at a time, not all at once, and increased integrations to other applications and systems.All-in-One is also important to define. A back-of-house All-in-One system rolls up multiple applications such as inventory, scheduling, food production, POS management, time & attendance and ordering. There may be better pricing when sold as a packaged product. Another potential benefit of an All-in-One system is support from a single place.If you want to gain some insight on what type of system would be beneficial for your operation, or the benefits/drawbacks of an All-in-One vs. Best-of-Breed system or application - take a listen to this episode of Accelerate.

Step into the world of psychedelics and community-building with this immersive episode hosted by Oliver Carlin... In today's deep dive, he engages in a thought-provoking conversation with Patrick Moher, the forward-thinking president of Microdose. Together, they unravel the intricate dynamics of creating and nurturing communities in the psychedelic space, highlighting the importance of belonging, leadership, and shared visions... With the endorsement and involvement of renowned figures like Paul Stamets and Mike Tyson, Patrick's endeavors are more than just events—they're movements. They're shaping the future of psychedelic leadership, fostering a culture of understanding, and illuminating the profound connections between the mind, mushrooms, and mental well-being... For listeners who are curious about their role in this world, those who dream of leading communities, or anyone captivated by the potential of psychedelics to transform lives, this episode promises a rich blend of stories, insights, and inspiration. And as a special highlight, if you're looking to experience the magic firsthand, don't miss the opportunity to attend the upcoming Microdose event from 9th to 11th November in the vibrant city of Miami. It promises to be a gathering of minds, leaders, and enthusiasts, all converging for a shared purpose. Dive into this episode now and embark on a journey of self discovery! You can learn more about Patrick and the vent coming up next month by going to the link below: https://wonderlandconference.com/tickets?coupon-code=OLIVERC20 At Curative Mushrooms, we help sad people improve their mental health by growing happy mushrooms at home using a simple All-In-One grow kit without needing any expensive equipment or complicated instructions... By The way...If you would like to overcome things like depression, PTSD, anxiety and even gain a new found love for yourself and everyone around you naturally without using 'man-made' medicine, then check this out:​ ⁠https://offer.curativemushrooms.com?sl=poddespm1103

NAR seems to be going down in flames lately. Not only did they have a shake up due to misbehavior from it's president, they also lost one of the biggest court cases of the organizations life! We will cover what this means for the industry as a whole AND we will dive into the latest news like ZILLOW acquiring Follow Up Boss in its effort to become the ALL IN ONE place for real estate agents. We also cover the latest economic news and the Fed's decision on interest rates!! Don't miss the show!

Kyle Garrone from Far West Fungi is join Oliver on the Curative Mushrooms podcast to talk about growing mushrooms for business... If you are interested in learning more about growing edible mushrooms and making money doing it... Then you will wan to listen to this episode now... The Garrone family is passionate about edible fungi... For more than 35 years we've been dedicated to the growing, distribution and marketing of organic specialty mushrooms... When you're in the San Francisco Bay Area, you'll find great fresh fungi and a full line of quality products at their retail stores and at farmer's markets throughout the region... Shop from anywhere at their online store as well below: https://farwestfungi.com/collections/all At Curative Mushrooms, we help sad people improve their mental health by growing happy mushrooms at home using a simple All-In-One grow kit without needing any expensive equipment or complicated instructions... By The way...If you would like to overcome things like depression, PTSD, anxiety and even gain a new found love for yourself and everyone around you naturally without using 'man-made' medicine, then check this out:​ https://offer.curativemushrooms.com?sl=poddesfwf1007

In this episode Clayton Farris joins Oliver on the Curative Mushrooms podcast to talk about his experience with mushrooms... Clayton is an award winning actor who has been in over 30 movies. Until that last couple years he has never really used any types of 'drugs'... After his 1st experience with mushrooms it completely changed his life and helped him to over come things like OCD permanently... And how the mushrooms continue to help him through microdosing to continue to improve his mental health every day. You can learn more about Clayton Farris at the following URL: https://www.instagram.com/Claytonfarris/ Also, at Curative Mushrooms, we help sad people improve their mental health by growing happy mushrooms at home using a simple All-In-One grow kit without needing any expensive equipment or complicated instructions... By The way... If you would like to overcome things like depression, PTSD, anxiety and even gain a new found love for yourself and everyone around you naturally without using 'man-made' medicine, then check this out: ​https://offer.curativemushrooms.com/?sl=podcf1006

In this episode of the Curative Mushrooms podcast Oliver meets with Gary Heferle who is the founder at Fresh From The Farm Fungi... Gary's background stems from working with genetics and tissue samples in the Cannibas space... About 5 years ago he transitioned over the the Mushroom Growing space where he has sold over 20,000 pounds of mushrooms at the local farmers market in Denver, CO... Also he has a book and YouTube channel where he has helps over 2 million people learn to start their own mushroom growing farms... Check out the episode now so you can also learn to make money growing mushrooms for the farmers markets too... Also, at Curative Mushrooms, we help sad people improve their mental health by growing happy mushrooms at home using a simple All-In-One grow kit without needing any expensive equipment or complicated instructions... By The way...If you would like to overcome things like depression, PTSD, anxiety and even gain a new found love for yourself and everyone around you naturally without using 'man-made' medicine, then check this out: ​https://offer.curativemushrooms.com/?sl=fffpod0921 @FreshfromtheFarmFungi

Learn how to harvest equity without giving up your low, fixed-rate mortgage. Today, I discuss: conventional loans for single-family rentals, DTI, refinancing, accessing equity, student loan debt, and down payment requirements for income properties with Ridge Lending Group President, Caeli Ridge. Learn what's better for a second mortgage—the pros and cons of a HELOC vs. Home Equity Loan. You also get a mortgage market overview. We discuss changes in cash-out refinance seasoning requirements.  Caeli also describes where she believes mortgage rates are headed later this year. Resources mentioned: Show Notes: www.GetRichEducation.com/447 Ridge Lending Group: www.RidgeLendingGroup.com info@ridgelendinggroup.com Join us for tomorrow's free GRE Florida properties webinar: www.GREwebinars.com Ridge's All-In-One Loan Simulator: https://ridgelendinggroup.com/aio-simulator/ Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Find cash-flowing Jacksonville property at: www.JWBrealestate.com/GRE Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free—text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Speaker 0 (00:00:00) - Welcome to GRE! I'm your host Keith Weinhold. You can get a conventional loan for a single family rental with less than a 20% down payment. Learn why you might want to refinance today. Even though mortgage rates aren't as low as they were a couple years ago, how do you qualify for loans if you've already got student loan debt? All things mortgages and financing today on Get Rich Education, Speaker 2 (00:00:29) - You are listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Speaker 0 (00:00:52) - Welcome to GRE from K Patis North Carolina to Hattiesburg, Mississippi and across 188 nations worldwide. I'm Keith Weinhold. This is Get Rich Education, the voice of real estate investing since 2014. Before we get into a great education on all things mortgages today, there is still a little bit of time left for you to join us on tomorrow night's G R E Live event. You can join us from the comfort of your own home. This is for new build single family rentals, opt to four plexes in Jacksonville, Ocala, and elsewhere in Florida. Purchase prices are still below 300 K on the single families. Yes, still in the two hundreds in some cases. I don't know how long that can last. Yeah, these are the property types that are quickly vanishing. Our investment coach Naresh Stars in that event tomorrow, he finds you the good deals with the national providers that are actually giving incentives despite the fact that the product that you're buying is in really short supplies.   Speaker 0 (00:01:59) - You're gonna get a good, solid, fundamental education on what makes a durable income property market and a arrest in the Florida provider are going to share with us just for webinar attendees. Those even better than two and two incentives. Yes, for you, the incentives on the webinar are even better than that 2% of your purchase price paid do you in closing costs cash and 2% of free property management. It is going to be even better than that. That's gonna be rolled out tomorrow night, May 2nd at 8:30 PM Eastern, 5:30 PM Pacific. It is free to attend. You can ask questions live, get your questions answered and get access to the actual properties should you so choose. That is the final reminder. So if that's of any interest to you, be sure to sign up now@grewebinars.com. I'm coming to you from the Mojave Desert today here in metro Las Vegas.   Speaker 0 (00:03:04) - It's Henderson Nevada. To be technical next week I'll bring you the show from Phoenix, Arizona. And you know what? It's kind of funny. Sometimes you hear people refer to this general area of the nation this southwest and they say they are going to the desert if they were doing what I'm doing. Well this unrepentant geography nerd will clarify that it is the deserts plural. Yes, Las Vegas is in the Mojave Desert in Phoenix is in the Sonora Desert. There are differences in vegetation type and others that distinguish the two. And the most obvious difference perhaps is the presence of the big iconic Saguaro cactus down in the Sonora that you don't find up here in the more northerly Mojave and perhaps the Joshua tree is the more distinct plant type here in the Mojave. Yes, we're talking about two gigantic pieces of real estate here. Much of it is baron. Two disparate deserts with their own distinctive flora and fauna. As you're about to learn about financing real estate today, let's remember that there is a cash out refinance and then generally if you're performing a refinance without pulling cash out, that is known as a rate and term refinance. Let's get into it.   Speaker 0 (00:04:30) - Well hey, well how do you qualify for more mortgage loans at the lowest interest rate available, Americans have near record equity levels in their homes. What's the best way to access that equity yet keep your low mortgage rate in place? And what about your student loan debt and how that factors into you getting a mortgage or getting a refinance? We're answering all that today with a GRE regular guest and though it's her first appearance back on the show this year, it's the return of the company president that's created more financial freedom through real estate than any other lender in the entire nation, Ridge Lending Group. It's time for a big welcome back to Caeli Ridge.   Speaker 3 (00:05:08) - Keith Wein. Hold. Thank you. You flatter me sir. I appreciate it. Love being here with you and for your listeners.   Speaker 0 (00:05:14) - Well yes, the president is back and everyone loves this type of president because it's not about being a Democrat or Republican. So hail to the chief, great to have you here. And Jaylee mortgage rates, they have settled down a good bit from their recent highs now they peaked back in the fall of last year. So with that and some of the other things in mind, why don't you talk to us about the big picture first, sort of your mortgage market overview.   Speaker 3 (00:05:40) - Interest rates is always top of mind for everybody. I think they're doing pretty well. I do believe I've been sharing with our listeners and and my clients on a day-to-day. I do believe that rates will continue to kind of increase here and there. There's gonna be some ups and downs. Of course the Fed has been very clear with us. Jerome Powell is gonna continue to raise the Fed fund rate just for anybody that doesn't know the two between a mortgage rate and a Fed fund rate while connected, not the same thing. So when they raise that does not automatically mean that we see the increase on the the 30 year mortgage bonds. I think that that's gonna continue to happen, but I think the pace in which it happens or continues to happen is gonna be a lot less aggressive. So I think that's gonna bode well overall.   Speaker 3 (00:06:21) - For interest rates. I know everybody is very, very interested in in are they going up, are they going down, when are they going up, when are they going down? I think that we'll continue to see a little bit of upward movement. I think it's gonna be sometime next year that we start to see interest rates come back down in any meaningful way. And remember gang rates go up much, much faster than they come back down unfortunately. So I think we've got a little bit of way to go. But I'm always the one saying, Keith, you and I have talked about this, um, many, many times you must be doing the math and that the rate as a function of the return of the investment isn't the most important thing. So I'll leave it there for rates. Otherwise, I think that the industry is doing really, really well.   Speaker 3 (00:06:58) - One big announcement that we had this year was that Fannie and Freddie both have extended the seasoning period of time to where a cash out refinance when leverage was used to acquire is applicable. So now you have to wait 12 months to pull, to pull cash out of a property using the A R V that after repair value if you use leverage to acquire the property. Quick distinction because this has been confused. If you paid cash for the property, your source and season funds, that still falls under what's called the delayed cash out refi and no seasoning is required. It's only when leverage was used to acquire the property and then they're trying to use an after repair value to pull cash out in hand. Is that 12 month seasoning rate and term is different. So that doesn't apply either.   Speaker 0 (00:07:45) - Okay. So if you make a purchase and then say it less than 12 months down the road, you want to do a refi but not pull cash out, is that still all right?   Speaker 3 (00:07:55) - That's absolutely fine. No seasoning is required and we can use the arv. It's only when you want cash in your hand that that 12 months is is applicable.   Speaker 0 (00:08:04) - Got it. Okay. That's really helpful to know. Just big picture before we winnow down, are there any other big substantial mortgage stories out there that some should know about? Um, it was only a couple weeks ago, there was a lot of misinformation going around on TikTok and elsewhere about 40 year loans from F H A without people understanding that's just for loan modifications and really other stories like that. Any other big picture things where you can help us see what's happening?   Speaker 3 (00:08:30) - It seems to be par for for the course? I have not. There's nothing that's come across my desk that I would say was newsworthy or noteworthy to share. I think we've got more to unpack here than any of that.   Speaker 0 (00:08:40) - Yeah and things sure are picking up here around G R e. People wanna buy more properties this year. It really slowed down toward the end of last year, right about when the mortgage rates were at their peak. So when we talk about getting loans, we think about leverage. Leverage is created with debt. Has anything changed with the down payment requirements for an income property? And we're largely here in today's discussion talking about one to four unit income properties. Properties that you don't live in yourself,   Speaker 3 (00:09:08) - Correct down payments have have remained the same. There isn't been anything that has changed there. Just to reiterate, for those that may not be aware on a single family residence, conventionally 85% loan to value is applicable. You can leverage all the way up to 85, you're putting 15% down. Keep in mind everybody that that will have pmi, private mortgage insurance attached to it, I would have you look at them side by side. The PMI factors actually pretty low and depending on the loan size it may only be 20, 30 bucks a month. So if you're able to leverage extra, it may make sense. You're gonna have to look at the numbers so that single family and then two to four unit on a purchase transaction different on a refinance transaction but purchase is 25% down or 75% leverage is required for those duplex, triplex, fourplexes.   Speaker 0 (00:09:54) - Okay, so as little as 15% down on a rental single family home. So you're getting up to six to one, seven to one leverage in that case. Sheila, do you find very many people doing that or would they rather pay the 20% down for a rental single family home and not have the pmi?   Speaker 3 (00:10:10) - I find that right now I think that it's less common than maybe it was because interest rates are up from where they were, uh, a year, year and a half ago. So more often than not we see the 20% down. But I still think it's worth looking at. I mean you're never gonna know unless you run the numbers right side by side.   Speaker 0 (00:10:25) - Okay, so we're thinking about how much cash we have to have put aside for a down payment in closing costs. And one thing that we need to do in order to qualify for that loan in the first place of course is some people get hung up on the dti, their debt to income ratio is too high to qualify for property and chaley. Over the past few months I've had a few listeners write in with questions and I thought, well I'll say that question until we have chale on again. And one of them really has to do with student loan debt. Student loan debt often contributes to one having too high of a debt to income ratio so that they didn't have to repay their loan. I know that Biden said that you wouldn't have to pay back student loan debt for a while, but can you talk to us specifically about student loan debt with D T I?   Speaker 3 (00:11:06) - There's gonna be a few pieces to share with everybody depending on whether we're talking about Fannie Mae or Freddie Mac and we won't know who we're gonna end up selling to after the loan funds. And they have slightly different guidelines between the two of them. Similar. But there are some differences as it relates to student loan debt regardless of whether you're in deferment or you've been told that you don't have to repay. If it shows up on an individual's credit report, the calculation will be as follows. They're going to take the outstanding balance times 1%, that's Fannie Mae's rule or the outstanding balance times half a percent. That's Freddie Mac rule and that will be the payment that we include in the debt to income ratio. Uh, I'll mention that the all-in one, which is a very popular loan right now. First Lean HeLOCK, maybe we'll talk about that here today. They will defer to Fannie rules so it'll be 1% of the outstanding debt pulling on the credit report even if it shows a zero payment listed. Now there is one caveat, if the individual has a letter, this happened maybe in the last six months and I'm trying to think about, there was a title, it's pretty rare. But if they're able to gain access to documentation that specifies that they are not going to have to repay that debt and we can take that documentation, then we can zero out that payment in the D T I.   Speaker 0 (00:12:22) - Alright, there's some strategies for how you can approach D T I with respect to any student loan debt that you have and what is the maximum D T I that a borrower can have?   Speaker 3 (00:12:34) - Conventionally and non qm, you're gonna get to 50% debt to income ratio for the all-in-one since we just touched on it, 43% is the absolute max.   Speaker 0 (00:12:43) - Okay. And on prior shows, Chile and I have discussed specifically with examples just how that D T I is calculated. If you're wondering, you can hear that in some past episodes Chile one one goes ahead and they continue to add income properties to their portfolio. Often I recommend that one does that with high leverage but not over leverage. How does one keep their D T I ratio down over time as they continue to add properties so that they can qualify for more properties in the future? Is there a good strategy for that?   Speaker 3 (00:13:14) - There is, and it's such a good question because as investors, right, our qualification primers are not static. They're going to change over time as we buy and sell and refinance. So it's very, very important, especially with the debt to income ratio that we're keeping an eye on it. And there's a few ways in which you can kind of strategize or optimize that D T I. The first is going to be the Schedule E, okay? The Schedule E is where all the rental properties are going to live once you've filed the annual tax return. The easiest way for the time that we have here today, Keith, is gonna be to tell the listeners, send us your draft returns. So on an ongoing basis we tell our active clients do not file federal tax returns until you send us the draft. We're going to run that draft through the pre-formulated calculation that comes straight from Fannie, Freddie and then we're gonna provide you with some feedback, one of which may be Mr.   Speaker 3 (00:14:03) - Jones, you forgot to include your insurance as a deduction and that's actually an add back that's gonna be to your disadvantage. Make sure that you put that in there. You didn't claim the full number of days of income for the property, you forgot to put depreciation on there. That's also an add back. There's a whole slew of things that we can look at and look for and give the individual that feedback so that they are filing at that optimal way while maintaining what the maximized tax credits are, right? There's a nice balance there. The more aggressive you are with the tax deductions, the more it can impact the D T I. So we wanna have eyes on that and work closely with the client and or their CPA is a very common part of what we do. So schedule E a little more complicated, that would be one of the the ways in which we wanna maximize debt to income ratio.   Speaker 3 (00:14:45) - Obviously not obtaining new debt, new consumer debt is is not gonna be to our advantage, right? We don't want more liability than we have income. Another thing is, is that when we talk about credit and a lot of clients that we talk to, they pay their credit cards off monthly, right? Maybe they charge up five grand, eight grand, 10 grand, they get a miles or whatever it is. It's very important to communicate with us to find out when in the month we wanna strategically pull the credit. Because what will happen is is that the day in which we take that snapshot, if there's a minimum payment due, a balance with a minimum payment, that minimum payment will be used in the individual's debt to income ratio regardless of whether they're gonna pay it off at the end of the month. That doesn't matter to us.   Speaker 3 (00:15:26) - There's a payment here, we gotta hit you for it. So strategizing on the day in which we wanna run credit might be another helpful way for D T I. And then finally, and there's probably a few other things, but I think high use would be, I don't like the shorter term amortizations. I think this is something else you and I have talked about many times, Keith, where people wanna pay off quicker, which is great if that's really what they wanna do, that's perfectly fine. I'm not sure that that would be my strategy, but whatever. Don't get yourself into a 15 year fixed mortgage because it's only gonna jack that payment. It's gonna really increase that payment. It's ultimately going to, for long-term optimization, hurt your D T I. You can do the same thing with a 30 year mortgage and not pay extra interest by accelerating the debt if that's what you chose. So those would be the the few things I'd comment on   Speaker 0 (00:16:10) - 100%. And for you the listener and viewer right now with what you just heard from chaley, you can begin to understand the value of working with a lender that works specific with income property investors rather than those lenders that are more geared toward primary residents, borrowers. Nothing wrong with them but they're in their lane during their thing. And you can understand why Chaley over there at Ridge is really a specialist to help you qualifying for as many income property loans as you possibly can and optimizing those loans as well. Chaley, when we talk about interest rates, oftentimes it's of interest to people to look at what are refinance interest rates like versus new purchase interest rates.   Speaker 3 (00:16:54) - I would say on average there's a variety of of variables that dictate what the rate is gonna be. Okay? I talk about this a lot. They're called LPAs loan level price adjustments. And a loan level price adjustment is a positive or negative number that attaches to the characteristic of the loan transaction. So purchase or refi, hash out refi rate and term refi credit score has its own L L P A loan to value, loan size occupancy. All of these come with a positive or negative number attached to them as it relates to purchase versus refinance. Generally speaking, let's take a rate and term refi where you're not getting cash out, you're just maybe taking an arm and making it affix. You're taking a higher rate and making it lower, whatever, maybe about a half a point difference. So if a purchase was at six and a half, the re rate and term refinance might be at 6 75 or 7%, cash out's gonna be a little bit different. I would add a quarter point to that and then if, if it's a two to four unit, add another quarter point on top of that. So those variables do make a difference.   Speaker 0 (00:17:53) - And maybe the listener might think, well why are you talking about refinancing at a time like this? If I wanted to refinance, I would've been more likely to do that about two years ago when mortgage rates read historic lows. But today Americans are sitting on near record equity, oftentimes it might be tied up in a low mortgage rate loan with that equity chaley. I talked to some people out there just lay people, people that aren't even investors and they have a big equity position with a really low mortgage interest rate loan and they seem to think that to refinance it, they would need to go ahead and refinance their entire mortgage and lose that maybe three or 4% loan, but they don't necessarily have to if they can do a second mortgage. So I guess really what I'm getting at and the question chaley is what is the best way to do a rate and term refi versus a cash out refi? And I know there are a lot of scenarios there.   Speaker 3 (00:18:44) - Yeah, lots of scenarios. So to your point, it is not necessary to give up a very low fixed rate mortgage if you want to harvest some of that equity. The ways in which, and I'm gonna have a plug after this for the all in one, but I'll get to that cuz I'm just such a big fan. But the ways in which you can do that both for your primary residents, a second home and an investment will be through a second lien mortgage, whether it be a heloc, home equity line of credit or a he loan, the HE loan is applicable for the rental properties. I do not believe, I hope somebody can give me alternative information, but I do not believe you're able to find second lean HELOCs for rentals today. I feel like those have really dried up if they're out there, the ones that I know of that used to do them are not doing them anymore.   Speaker 3 (00:19:27) - If they're out there and anyone's listening to this, somebody please let me know. Keylock for rental probably not an option. He loan for rental absolutely is an option. And this is guys a fixed rate mortgage in second lean position, just like your 30 year fixed first, this will be a 30 year fixed second interest rates are gonna be higher. And since we were talking about interest rates, I'm gonna say that they're probably anywhere from 10 to 13%, but they're smaller amounts. C L T V combined loan to value for a he loan on a rental would be 85% is what we have access to. So as quick math guys, if you have a value of a home of a hundred thousand and you owe on your first mortgage 50,000, the CLTV would be 85% of a hundred. So 85,000 minus the 50001st, which stays in place, you'd have access to about 35,000 in that example. And that would be access to rental properties that you just do not want to mess with that first lien mortgage different for owner-occupied. And I'll take your queue on when you want me to get into that.   Speaker 0 (00:20:26) - Yeah. Okay. So we are just talking about income property second mortgages there. Tell us about primary residences.   Speaker 3 (00:20:32) - So primary and secondary should be in the same bucket. You can leverage just 90% C L T B, same math as before but up to 90% And these are gonna be, you have HeLOCK and he loan. I'm gonna assume most people are gonna go for the HeLOCK, right? The open-ended revolving is definitely more attractive than a closed-ended fixed I believe in a second lien. And you know Prime is at eight I believe right now. Gosh, I should have checked before we go on, but I think Prime is sitting, it's an index. An indices like the Fed fund rate, that's an index two prime is at about eight. And then depending on the characteristics, those l LPAs that I mentioned, loan level price adjustments are gonna come up with a margin. Maybe it's 2% over prime or one or whatever it is depending on those things. So I would anticipate a HELOC and second lie position on a primary residence will be anywhere from eight to maybe 10%. More often than not is what you should expect. Interest only open-ended.   Speaker 0 (00:21:24) - And on the second mortgages, whether that takes the form of a HELOC or a HE loan, how long is the initial fixed rate period? Typically   Speaker 3 (00:21:32) - There are hybrids where you can fix in for a year or three years, et cetera. Those are available. I'm not sure that you wanna do that in a high rate environment. You probably wanna avoid any fixed rate right now if you had the option to get into it a couple of years ago, you're looking really good right now because you fixed in at at some ridiculously low rate for a period of two, three, maybe five years. I would tell people listening, fixing in on a HELOC right now is not gonna be your advantage when we believe that rates are gonna start coming down over the next year, et cetera. But for the HE loan, it's fixed for 30 years. Just like a 30 year fixed first lie mortgage, it's fixed, you have it four 30 years, it's amortized, it's closed ended. You're making your regular payments until you pay it off after the 30 year period of time.   Speaker 0 (00:22:13) - We're talking about how you can more efficiently borrow in this environment where people and investors have high equity positions and we have hopefully come off the mortgage rate highs from late last year. You're listening to Get Risk Education. Our guest is Ridge Lending Group President Chaley Ridge Morton, we come back. I'm your host Keith White Hole with JWB Real Estate Capital. Jacksonville Real Estate has outperformed the stock market by 44% over the last 20 years. It's proven to be a more stable asset, especially during recessions. Their vertically integrated strategy has led to 79% more home price appreciation compared to the average Jacksonville investor. Since 2013, JWB is ready to help your money make money, and to make it easy for everyday investors, get started at jw b real estate.com/g rre. That's JWB real estate.com/g R E GRE listeners can't stop talking about their service from Ridge Lending Group and MLS 40 2056. They've provided our tribe with more loans than anyone. They're truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four plexes. So start your pre-qualification and you can chat with President Chaley Ridge personally. They'll even deliver your custom plan for growing your real estate portfolio. start@ridgelendinggroup.com.   Speaker 4 (00:23:45) - This is Rich Dad sales advisor, Blair Singer, listen to Get Rich Education with Keith Wine Hold and above all don't quit your daydream.   Speaker 1 (00:24:03) - Welcome   Speaker 0 (00:24:04) - Back to Get Rich Education. We're learning about how to be a savvy borrower with President of Ridge Lending Group, Chaley Ridge and Chaley. One product you have there that's really flexible and has helped out so many people and helped save borrowers tens of thousands of dollars in interest or more is what's called your all in one loan. Tell us about it.   Speaker 3 (00:24:25) - This is a first Lean HeLOCK everyone. I'm such a big fan, it's not for everybody, but for the right individual, I don't know that there is a loan product to rival it. It's got all the flexibility in the world and as Keith said, the mechanics of this and the concept of this arbitrage, it's called Velocity Banking, infinity Banking. If anybody's familiar with those terms, that's what this does. It allows you all the open flexibility to sort of become your own bank where you have this line of credit. It is a first lien line of credit. So let's take a a step back and talk about those low interest rates that everybody has secured over the last couple of years. We were very lucky to have to two and a half, 3% interest rates. And I'm constantly having this conversation and I'm really trying hard to dispel the psychology of you can never do better than that when it's just not the truth.   Speaker 3 (00:25:14) - And mathematically you will be able to figure this out. I'm gonna plug our website here. There is an interactive simulator that will take you to the all-in-one simulator where you can compare your existing fixed first lien mortgage to the All in one and and the input data is very, very simple. No vials of blood here guys, but if the input is accurate, the results page will tell you very clearly if the all-in one will save interest and Trump over the 30 year fixed at two and a half or whatever it is, or if you're fixed rate mortgage is more to your advantage, it will be very clear there'll be no mistaking it from that. I think further conversations will be necessary for those that see some real value in the All In One. I won't go too far down that rabbit hole, it's a little bit more complicated than we probably have time for here. But the first Lean All In one is such a fantastic tool. I really encourage your listeners to go ahead and and check out at the very least the simulator and see how it applies to you.   Speaker 0 (00:26:08) - The all-in one loan operates much like a first lien heloc. I don't think we have time to describe it all. Like you said, you do have the simulator there on your website@ridgelendinggroup.com where one could see if their existing mortgage it compares favorably or unfavorably to the all-in one loan. But as we know with the first lien heloc, therefore one feature of the All in one loan is the option, not obligation, but option of making interest-only payments to keep your payment down.   Speaker 3 (00:26:34) - Yeah, this is where it gets a little bit tricky for some people when we start talking about payments FirstLine Open-ended HeLOCK, where it's called the All In one because you're replacing not only your mortgage with this revolving open-ended heloc, but also a checking and savings account and combining those two elements whereby simple depository income is being used at dollar for dollar driving down principle balance to save in daily interest accrual. I'm gonna give a quick example and then we can move on and, and I encourage everybody to do the simulator email us, let's talk through it. We'll take you by the hand. It's the learning curve's a little intense, it was even for me. But here's an example of velocity of money and kind of how the all-in-one works. So take a 30 year fixed mortgage and a 15 year fixed mortgage. Both of them started at $400,000 each.   Speaker 3 (00:27:22) - You lock the 30 year at 4% and the 15 year was locked at 7%. Without exception, everybody runs to the 30 year at 4%. I would've done the same if I didn't know the math when in fact the reality is is that you will pay $40,000 more on that 4% 30 year than you would on the 7% 15 year because the amount of time that you're paying on that mortgage is greatly reduced. And that's, I guess a, an easy concept. It's a, the first step of trying to define this for most people, they can kind of see it in those terms because they understand the amortized mortgage. It's the amount of time that you are paying interest. So if you're utilizing your depository checking savings and your mortgage and all of that money is going in there month after month before it's going back out the door for whatever your living expenses are. And then whatever's left over is, is stays in there. 24 7 access. Nothing changes about your current banking techniques or or strategies. It's all the same. But now you're in control. You've become your own bank. It's amazing. I can't say enough about it   Speaker 0 (00:28:24) - Talking about the all in one loan there. You sure can learn more from Ridge on that. Jaylee, is there really like anything else that I guess is noteworthy specifically in helping a borrower qualify for income property loans, maybe a common problem or a borrower hurdle that you see in there at Ridge?   Speaker 3 (00:28:43) - I would just boil it down to education. Just lack of information. It's not dear Google stuff. The guidelines and what's available. All of these things are changing on a consistent basis that real-time information's not available to them. So if I had to pick one thing, I would just say education. And I'm very proud to say that we really focus on that. If there's a value add about Ridge, I think there's quite a few. But the one that I think sticks out for most people is the education that we provide to our investors and shining a light and giving them a look under the hood and what they need to know, teaching 'em how to optimize their qualifications and all of the stuff that we've been talking about here today.   Speaker 0 (00:29:19) - Well that's a good point because when we talk about real estate investing, you're really, they're in one of the more dynamic and fast-changing parts of the industry as opposed to something like home construction where a lot of the methods haven't changed for 50 or more years, if you will. So yeah, it's really staying up and staying informed on that and engaging with a lot of the educational resources increasingly that Ridge has for you to help you stay on top of that as an income property bar yourself. And Shaley can tell us a bit more about that shortly. But why don't you tell us about all of the loan types, the mortgage products if you will, that you offer in there.   Speaker 3 (00:29:52) - That's another great value add about us. We have a very diverse menu, if you will, of loan products that don't just start and stop with the conventional. We're not a one size fits all. So we've got the Fannie Freddy's, we talk about that a lot. Our all in one, my favorite. We have a very diverse non QM product line and for those that aren't familiar with that term, QM stands for Qualified Mortgage. Fannie Mae and Freddie Mac are the, uh, epitome the definition of what a qualified mortgage is. There's a whole definition we don't need to go into today, but, so everything outside of that QM is now non qm. And within non qm, like I said, extremely diverse. There's things called the debt service coverage ratio product where we're not showing borrower income, we're just looking at the properties income offset by the new mortgage payment. There's bank statement products. If you can't show tax returns, we're gonna take deposits and average them asset depletion. If you've got large self-directed ira, we can come up with an income calculation for that. The list goes on. We've got commercial products for commercial properties, but also for residential properties. Cross collateralization. It's pretty diverse. We have a lot for everybody.   Speaker 0 (00:30:54) - When you excel in there, you've been such industry leaders at originating income property loans for investors were proportion of your businesses income property loans and what proportion is primary residence loans?   Speaker 3 (00:31:06) - A lot of people don't realize we can do both and we do both very well. But I would say that it's probably 70 30 not owner-occupied. To owner-occupied. A large part of what we do is the investor loans. But most of our investor clients come to us for their primary needs too because we already have their life on file and, and can get that done very competitively   Speaker 0 (00:31:24) - Too. , right? And you keep growing. You're in almost all 50 states now.   Speaker 3 (00:31:27) - I know. Can you believe it? We're in 47 states. We're not in North Dakota, New York, or Vermont, otherwise we're everywhere.   Speaker 0 (00:31:34) - Letter audience know how they can learn about your resources.   Speaker 3 (00:31:37) - There's a couple ways to find us our website, ridge lending group.com. They can email us, info ridge linen group.com. Our toll free is 8 5 5 74 Ridge 8 5 5 7 4 7 4 3 4 3. And while you're on our website gang, uh, check us out on our community. I have a live event every Tuesday, one 30 Pacific, uh, four 30 Eastern. Uh, lots of good information register and it's free. Lots of good information and, and education like we've been talking about here. Hope to see you.   Speaker 0 (00:32:05) - Oh, it's been a terrific and crucial mortgage market update. Chaley Ridge, thanks so much for coming back into the   Speaker 3 (00:32:11) - Show. Thank you. Appreciate it.   Speaker 0 (00:32:18) - Oh yeah, lots of good concise information there from Chaley. It's a type of content that can have you hitting the rewind button on your pod catcher at times. All right, so we learned that in a lot of scenarios there. Second, mortgages come with rather high interest rates that is prohibitive. But then on the other side, it's encouraging to learn, learn that on primary residences, for example, you can get up to 90% loaned value. That means you only need to keep 10% equity in your home. And as far as that all in one loan simulator, we'll put a link directly to that in the show notes for you. But like Chaley said, you might wanna reach out to them@ridgegroup.com and then they can help walk you through it. Thank you to Caeli for the generous contribution to your learning today. Until next week, I'm your host, Keith Weinhold. Don't quit your daydream.   Speaker 5 (00:33:15) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests on their own information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education L l C exclusively.   Speaker 6 (00:33:43) - The preceding program was brought to you by your home for Wealth building. Get rich education.com.