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The Appraisal Update - the official podcast of Appraiser eLearning
In today's episode, Bryan Reynolds sits down with Bill Waltenbaugh, Chief Appraiser at Nationwide Appraisal Network (NAN), about something that's been a hot topic for a while now in the appraisal space: short-term rentals. How do you appraise them? What do the lenders expect? What do the AMCs expect? Does anyone expect the same thing?Bill shares his wealth of knowledge on this topic, walks us through NAN's resources for appraisers, and talks about what the future of appraising STRs will look like. Don't miss this insightful conversation.
This week on The South Florida Roundup, we're joined by the property appraisers from Broward, Miami-Dade, and Palm Beach counties (1:39). We also take a look at some of the local storylines to watch during this year's World Cup, from heat exhaustion to the reactions of South Florida's Brazilian and Haitian communities. (31:23)
In this episode, host Hal Humphreys sits down with Jeff Bradford, Founder and CEO of Bradford Technologies, to discuss the evolution of appraisal software. For nearly 40 years, Jeff Bradford has been helping shape the technology appraisers use every day. Today, Hal and Jeff discuss his company's journey to GSE verification for UAD 3.6, why the company chose to build an entirely new platform instead of updating its legacy software, and what UAD 3.6 means for the future of appraisal reporting.Learn more about the Nighthawk application here: https://www.bradfordsoftware.com/nighthawk/Join us, Jeff Bradford, and the GSE's, and get your questions answered in Dallas: https://appraiserelearning.com/product/uad-3-6-bootcamp-dallas-tx-june-24th-26th/At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday!You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.
The Appraisal Update - the official podcast of Appraiser eLearning
Okay, maybe it's partially for the reason you think: Obviously, we're all itching for a chance to speak face-to-face with the GSEs, software providers, and lenders to discuss the big UAD 3.6 shift that's happening this year. But there's more to it than that. Much more.Tune in as I sit down with the faces of Valuation Expo, Jim Morrison and Heidi Reuter, and they tell me what we can expect this August, why this year is so different from all the other ones, and they'll tell me a few of their favorite things about this annual conference. You can register for Valuation Expo here: https://www.valuationexpo.com/#register
Many residential real estate appraisers fear cross examination. They imagine aggressive attorneys, trick questions, and public embarrassment. In reality, most experts do not fail because they are wrong. They fail because they are unprepared. What follows is how appraisers survive cross examination. This episode on how appraisers survive cross examination explores what cross examination truly tests. Contrary to popular belief, it is not primarily a test of memory. It is a test of reasoning. Attorneys want to know whether an appraiser can explain what they did, why they did it, and how the available evidence supports their conclusions. The discussion focuses on the importance of a strong workfile, careful documentation, and critical thinking. Listeners learn why a report is merely a claim while the workfile serves as the proof. The episode explains how unsupported adjustments, vague language, boilerplate explanations, and overconfidence can damage credibility under questioning. The program also explores the psychology of expert testimony. Appraisers learn why calmness often proves more persuasive than confidence, why admitting limitations can strengthen credibility, and why uncertainty is not a weakness. The discussion emphasizes that market value itself reflects probability rather than certainty, making intellectual honesty a professional strength rather than a liability. Throughout the episode, listeners receive practical guidance on answering difficult questions, avoiding common traps, maintaining professional composure, and preparing for testimony. The central theme remains constant: cross examination punishes ritual but rewards reasoning. So, this is how appraisers survive cross examination.
Send us Fan MailWelcome back to Beyond the Numbers with McKissock Appraisal! As automation, AI, and appraisal waivers continue to reshape the valuation landscape, where does the human appraiser fit in? In this episode, Kevin Hecht shares key insights from his recent presentation at the ACTS Conference, exploring why appraisers remain a critical force in protecting market stability. Discover the concept of the appraiser as a "macroeconomic stabilizer," learn why human judgment still outperforms algorithms in complex valuation scenarios, and hear how appraisers can position themselves as trusted market experts in an increasingly automated world.
The Appraisal Update - the official podcast of Appraiser eLearning
Back in May, we introduced you to Melissa Bond's practicum program through the eyes of students just beginning their journey into the appraisal profession. Today, I'm sitting down with two graduates of the program who have successfully launched their appraisal careers and are putting this training into practice every day. Quintin Smith and Jeff Graves share what it took to complete the program, the transition from student to working appraiser, the obstacles they faced along the way, and how this practicum pathway helped better prepare them for the realities of the profession. If you've ever wondered whether there is a viable path into the appraisal profession (or something other than becoming a trainee), this episode is for you.
Welcome back to the show! I am Connor with Honor, and today is May 28th, 2026! We are diving deep into the exact real estate data and pipeline numbers for the Santa Clarita Valley and the North San Fernando Valley! If you are a seller right now, you need to pay very close attention because the San Fernando Valley market is moving at lightning speed—specifically, an eight-day gap faster than Santa Clarita! It is the exact same buyers, the same lenders, and the same interest rates, but the numbers tell us a completely different story!Let's get into the data, the pricing strategies, and why 55 properties completely FAILED to sell this week!
As the appraisal industry races toward the UAD 3.6 transition, new software platforms are entering the spotlight—and one of the newest comes from an unexpected place. On this episode, host Hal Humphreys talks with Narainder Chandwani, founder and CEO of ApprAIz, about building a GSE-verified appraisal platform from a technology-first perspective.They discuss what UAD 3.6 means for appraisers, how AI is changing appraisal workflows, and why waiting until the last minute to adapt could be a costly mistake.Make sure you're in the know. Learn more about the ApprAIz platform here: https://appraiz.biz/Register for UAD 3.6 Bootcamp (May 13-15) here: https://appraiserelearning.com/product/uad-3-6-bootcamp-chicago-il-may-13th-15th/Register for Valuation Expo here: https://www.valuationexpo.com/At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday!You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.
Comments/ideas: ACFpod@outlook.comIn this episode, Tan Chong Yee, Chief Financial Officer of FlyORO Technologies, joins us to unpack the critical logistics and funding mechanisms needed to scale sustainable aviation fuel across the Asia-Pacific region. We explore how innovative distributed blending infrastructure solves last-mile supply chain bottlenecks and helps bend the jet fuel cost curve. Climate finance and business professionals will gain valuable insights into derisking capital execution, navigating fragmented regional policies, and structuring bankable corporate offtake agreements. Tune in to discover how the aviation industry is transforming high-risk climate bets into essential, scalable energy infrastructure. Ref: FlyORO Technologies Pte LtdABOUT CHONG YEE: Tan Chong Yee is the Chief Financial Officer at FlyORO Technologies, bringing over 15 years of corporate finance and leadership experience to high-growth environments. He has a track record of rolling up his sleeves across fundraising, financial planning, and operational scaling, using data to drive real decisions rather than just reports. Chong Yee holds a BEng in Mechanical and Aerospace Engineering and an MSc in Technopreneurship and Innovation, both from NTU. He is also a Six Sigma Green Belt certified by ASME and an Associate Chartered Valuer and Appraiser under IVAS.RECOMENDATIONSMaking Net-Zero Aviation Possible: A McKinsey & Company report that analyses the nature, timing, cost, and commercial scale of actions required to deliver net-zero emissions within the global aviation sector by 2050.The SAF Roadmap: A World Economic Forum and McKinsey & Company publication that outlines cross-sector frameworks and investment pathways needed to break the commercial impasse and scale sustainable aviation fuel adoption by 2030.HOST, PRODUCTION, ARTWORK: Joseph Jacobelli | MUSIC: Ep76 onward excerpts from Vivaldi's La Follia, played by Luca Jacobelli.
What did you think of todays show??The appraisal is dying. Big lenders are building their own AI valuations, one broker rebuilt his entire MLS in a single weekend, and the people whose whole job was telling you what a house is worth are about to be gone. In this episode, we break down which real estate middlemen AI is about to wipe out, why Cincinnati could be the next market lenders blacklist, and why filing an insurance claim almost never pays off.Topics discussed:Introduction (00:00)Revisiting the Brandon Turner and Pace Morby guru fallout (00:08)The Cincinnati appraisal mess lenders are watching (06:21)The fraud network that quietly costs investors money (07:42)Why appraisers are about to be eliminated (09:49)How AI could erase real estate agents and the MLS (14:37)The new wholesale disclosure laws and the loophole (17:33)Finding the local lender who thinks he is winning (20:16)Why filing an insurance claim rarely pays off (22:04)Why your insurance premium doubles after one claim (24:17)Bitcoin's comeback and Iran's reserve play (31:01)The K-shaped recession and Bezos's tax pitch (34:23)Why this generation can't figure anything out (37:45)Follow us on Instagram!https://www.instagram.com/collectingkeyspodcast/https://www.instagram.com/mike_invests/https://www.instagram.com/investormandan/https://www.instagram.com/dylan_does_dealsThis episode was produced by Podcast Boutique https://www.podcastboutique.com (https://podcastboutique.com/)
The Appraisal Update - the official podcast of Appraiser eLearning
As cloud-based technology continues to reshape the appraisal industry, what does that transition actually mean for appraisers? Today, host Bryan Reynolds sits down with software engineer and apprAIz CEO Narainder Chandwani to talk about the shift from traditional desktop software to cloud-based platforms—and why it matters now more than ever. They discuss common misconceptions, challenges you may face, and how this new technology could change the way your reports are created, managed, and delivered.Make sure you're in the know. Learn more about the apprAIz platform here: https://appraiz.biz/Got any questions? You can reach out to Narainder personally at narainder@appraiz.biz or reach out to the business at contactus@appraiz.biz
In this episode of Real Estate Superstars Today, Dave Santamaria sits down with appraisal expert Debby Watson Lawson for a candid conversation about growth, independence, mentorship, and what the modern appraisal business actually looks like. From her unique path into the industry to the realities of working within the AMC model, Debby shares honest insight for anyone curious about appraisal, expanding from the real estate side of the business, or building a long-term career with room to grow. Whether you're a real estate professional exploring your next move or simply curious about the appraisal side of the industry, this episode delivers practical insight from someone who's lived it.
The appraisal profession is facing massive change, but according to published author, keynote speaker, and podcast host Eric Zimmer, the real battle is not happening in the software. It's happening in our minds.In this episode, Eric Zimmer joins Hal and Jim to talk about why change is a skill, how the stories we tell ourselves shape our resilience, and why small, consistent adjustments matter more than dramatic overhauls. They also dive into UAD 3.6, the mindset shifts appraisers can make right now, and what attendees can expect from Eric's keynote at Valuation Expo this August.Register for Valuation Expo here: https://www.valuationexpo.com/Get Eric's book, How a Little Becomes a Lot: The Art of Small Changes for a More Meaningful Life, here: https://a.co/d/06ymwSQdLearn more about Eric: https://www.oneyoufeed.net/about-eric-zimmer/At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday!You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.
The Appraisal Update - the official podcast of Appraiser eLearning
An appraiser asked me a simple question about a pot plant… then followed up and said the AMC wanted it blurred out. That kicked off a much bigger conversation.I sat down with three seasoned USPAP experts—Bobby Crisp, Diana Jacob, and Amelia Lovern—and what they shared goes far beyond anything you'll find in a class.Diana recounts a property where a man was chained to a basement wall.Amelia shares a case involving bedroom doors locked from the outside.Bobby walks through an inspection where a young child was present while the parent was passed out.These are real-world situations appraisers actually face—and the decisions that come with them.If you think USPAP has a rule for every situation… it doesn't. And that's exactly what these experts make clear.There are moments in this profession where the book doesn't give you an answer—where safety, judgment, and common sense come first. Situations where you're not thinking about compliance… you're thinking about getting out and doing the right thing.This is the side of the profession no one talks about—but every appraiser needs to be prepared for.
Buying art is the fun part. Knowing what you're buying, why it matters, and how to protect it over time is where most collectors get stuck. We're joined by Katlin Rogers, founder of Rogers Art Advisory in Toronto and a certified appraiser with the International Society of Appraisers, to make the Canadian art market feel far less mysterious and a lot more navigable.We talk about what an art advisor really does, through building a strategy around your taste and goals, sourcing works privately and through galleries or auctions, negotiating, and managing the unglamorous essentials like logistics, documentation, conservation, and collection management. Katlin also explains how professional art appraisal works under USPAP ethics and standards, why the intended use of an appraisal changes the methodology, and how provenance, condition, and comparable sales data shape a defensible valuation for insurance, estates, and donations.If you're curious about blue chip Canadian art, we define it clearly and name the kinds of anchors that have stood the test of time, including major figures associated with the Group of Seven and other quintessential artists in Canadian art history. We also dig into current Canadian art market trends: a more cautious buying mood paired with a renewed patriotism and strong push to diversify collections by seeking Indigenous artists, women artists, and historically overlooked voices. Corporate art collections come up too, especially how companies can build collections that reflect mission and culture while being professionally stewarded.Subscribe for more conversations on collecting, share this with a friend who's art-curious, and leave a review if you want more episodes like this. What question do you still have about buying, valuing, or managing art in Canada?Follow Katlin's Instagram Connect with the Artalogue: Madison Beale, HostBe a guest on The Artalogue Podcast
In today's episode, Hal Humphreys talks with Bryan Reynolds, Partner at Appraiser eLearning and host of The Appraisal Update Podcast, about one of the industry's biggest challenges: bringing new people into the appraisal profession. Bryan explains how the Practicum for Training New Appraisers creates an alternative path for trainees, why mentorship still matters, and what appraisers can expect from his sessions at Valuation Expo in Las Vegas. They also tackle an anonymous appraiser question about liability, septic systems, and when to contact your E&O carrier.Register for Valuation Expo here: https://www.valuationexpo.com/If you'd like more info or have any questions for Bryan, feel free to fill out the contact form on his website at reynoldsandassociates.net or email info@thelegacyag.comAt The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday!You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.
The Appraisal Update - the official podcast of Appraiser eLearning
What does it really look like to become an appraiser today?In this episode, I sit down with Melissa Bond to talk about her practicum program—and we're joined by two incredible women currently going through it. They share their firsthand experiences, what the journey has been like so far, and what they're working toward as future licensed appraisers.This isn't theory. This is what it actually takes to get started—and stay in it.We talk about:What the practicum experience really looks likeChallenges new appraisers are facing right nowWhy they chose this path—and where they see it taking themI also make a special announcement about my involvement in a new initiative with Legacy Advisors and Consulting—introducing the LAC Appraiser Pathway, designed to create a more direct, supported route into the profession.
The Land Podcast - The Pursuit of Land Ownership and Investing
Welcome to the land podcast, a platform for people looking to educate themselves in the world of land ownership, land investing, staying up to date with current land trends in the Midwest, and hearing from industry experts and professionals. On today's episode, we are back in the studio with Travis Murray. We discuss: Land scarcity drives long-term demand. Inflation often pushes land values higher. Recreational buyers still dominate many markets. Overpaying usually comes from emotional buying. Land behaves differently than housing markets. Every tract has unique value drivers. Ethical representation matters in land deals. Infrastructure improvements rarely fully return value. Buyers should focus on long-term ownership goals. Land remains attractive during uncertain markets. And so much more! Thanks again for all of the support from our partners—none of this would've been possible without them! -Moultrie: https://bit.ly/moultrie_ -Hawke Optics | Use Code WHTL for 15% off: https://bit.ly/hawkeoptics_ -OnX: https://bit.ly/onX_Hunt -Painted Arrow: bit.ly/PaintedArrow - Buck Land Funding: https://www.firstbankers.com/bucklandfunding - Latitude Outdoors: https://www.latitudeoutdoors.com/ - Whitetail Master Academy https://www.whitetailmasteracademy.com - Use code 'HOFER' to save 10% off at www.theprairiefarm.com - Massive potential tax savings: ASMLABS.Net
Is modern real estate appraisal grounded in science? Or does it still rely on untested assumptions? In 2026, the profession stands at a critical crossroads. This is between data-driven analysis and what can only be described as appraisal superstition. Appraisers routinely produce precise value conclusion. But, many of those conclusions remain difficult to test, replicate, or falsify. At its core, credible real estate appraisal should rest on epistemology—verifiable, evidence-based reasoning supported by market data, statistical analysis, and transparent methodology. However, in everyday practice, much of the appraisal process still relies heavily on heuristics, or rules of thumb. These are proximity, subdivision similarity, and customary adjustment ranges. These shortcuts can be useful, but when left untested, they drift into unfalsifiable belief. This is where the concept of superstition becomes relevant. Drawing from the philosophy of Karl Popper, any conclusion that cannot be challenged or disproven falls outside the realm of science. In real estate appraisal, this often appears in unsupported adjustments, intuitive comparable selection, and narrative-based reconciliation. The solution is not to eliminate professional judgment, but to discipline it. Appraisers must increasingly adopt statistical methods, probabilistic thinking, and transparent documentation to ensure their conclusions meet modern standards of credibility. As appraisal technology, AI review systems, and regulatory scrutiny evolve, unsupported reasoning will become more visible—and less defensible. Ultimately, the future of real estate appraisal depends on a simple principle: If a value conclusion cannot be tested, it cannot be trusted.
What happens when an appraiser stops thinking like “just” an appraiser?In this episode, Hal Humphreys sits down with Michael Tidwell II—investment sales broker, Certified General Appraiser, and professor—to unpack a career that's moved from residential reports to high-level investment advisory.Tidwell shares how working across residential and commercial valuation reshaped the way he defines value, and why that shift matters more than ever in today's evolving market. They also dig into industry changes like UAD 3.6, and why he believes appraisers should lean into what's coming instead of resisting it.This conversation might challenge a few of your assumptions about our profession (in a good way).At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday!You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.
The Appraisal Update - the official podcast of Appraiser eLearning
What do you do when a homeowner calls and isn't exactly thrilled with your value opinion? Do you take the call, or let it go to voicemail and pretend you never saw it? And what if it's Fannie Mae, or another intended user?In this episode, I break down exactly who appraisers can (and can't) communicate with under USPAP, so you don't find yourself in a well-intentioned (but risky) conversation. I'll also clear up a surprisingly common point of confusion: What do you actually need to bring to your next USPAP class?—Bryan Reynolds
A major acquisition, a fast-growing corner of the lending world, and a reality check on commentary in UAD 3.6.Today, Hal and Jim sit down with Bill Waltenbaugh, Chief Appraiser at Nationwide Appraisal Network (now part of Stewart Valuation Intelligence), to unpack what this new chapter means for both appraisers and their clients. From the nuances of non-QM and private money lending, to the role of specialized forms like short-term rental reports, Bill offers a behind-the-scenes look at a segment of the industry that plays by a different rulebook.They also tackle the looming impact of UAD 3.6, and whether everyone will actually follow the script. Plus, they have a practical conversation on appraisal commentary: how to state what you need to, without saying too much.At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday!You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.
The Appraisal Update - the official podcast of Appraiser eLearning
The countdown is officially on. With the UAD 3.6 mandatory use deadline set for November 2nd, the appraisal industry is deep in transition mode—and we, the appraisers, are feeling it. In this episode, I'm breaking down what that transition is going to look like, some key takeaways from my conversations with industry experts, and what we learned at the Appraisal Conference and Trade Show (ACTS) earlier this month. Plus, we dig into how UAD 3.6 should actually be used—and where common sense still needs to win out (IYKYK).Whether you're trying to get your head around UAD 3.6 before the deadline hits, or you're looking for an exit strategy, this episode is for you.—Bryan Reynolds
AI is entering residential real estate appraisal faster than most appraisers expected. Many professionals now ask whether using AI violates USPAP. Fear often drives that question, but clarity requires careful thinking. USPAP does not ban tools of any kind. Instead, USPAP governs behavior, judgment, and credibility. Confidentiality remains a real concern. Appraisers must protect private data at all times. Entering sensitive property details into unsecured systems creates risk. Lack of transparency also creates problems. Some AI tools produce answers without showing their reasoning. Appraisers must always explain and support their conclusions. Competency matters as well. USPAP requires appraisers to understand the tools they use. Blind reliance on any system creates exposure. However, not all uses of AI create problems. Many applications simply improve writing, organization, and clarity. Those uses resemble spellcheck or templates and carry minimal risk. The key issue is judgment. Appraisers may use tools, but they cannot outsource decision-making. Value conclusions must always come from the appraiser's own reasoning. Responsibility never shifts to software or automation. Every signed report still reflects the appraiser's professional opinion. Think about a courtroom setting. An attorney may ask how AI influenced the report. Clear, confident answers protect credibility. Weak or uncertain answers create serious problems. Verification and understanding become essential safeguards. Smart appraisers follow three rules. Protect confidential information carefully. Verify every AI-assisted output thoroughly. Disclose meaningful use when appropriate. These steps maintain credibility and compliance. AI is not the violation. Surrendering professional judgment creates the real danger. Appraisers who stay in control will adapt successfully. Those who do not risk losing both credibility and trust.
Fresh off the plane from Seattle, we're breaking down the biggest moments from this year's Appraisers Conference and Trade Show (ACTS). From packed sessions on UAD 3.6 to the conversations shaping the future of valuation, we're sharing what impacted us most, and what's next.We're joined by industry veteran Jason Covington, who was just installed as Vice President of the National Association of Appraisers Board of Directors. He talks about his journey, what this new role means, and why getting involved with the NAA could be a game-changer for your career.If you missed ACTS 2026, consider this your insiders recap (minus the jet lag).At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday!You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.
Staff vs. fee panel. It's one of the longest-running debates in appraisal history, and today we're going to address it. Hal is joined by Todd Rasmussen of MARRCH Valuations to break down the staff appraiser model, explain why he believes it's the future of valuation, and explore what it means for quality, consistency, and the evolving demands of lenders and appraisers alike.Todd's Top 5 Ways to Reduce Your Revision Requests1. Make sure the AMC name is right2. Make sure the lender name is right3. Double check that all photo evidence matches your description, and vice versa4. Make sure the home is actually unoccupied5. Follow FHA-specific requirements when doing FHA reportsAt The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday!You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.
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Send us Fan MailIn this episode of Beyond the Numbers, Kevin Hecht sits down with Keisha Wilkinson, Senior Policy Representative for Valuation at the National Association of Realtors (NAR), to unpack one of the most important—and often misunderstood—relationships in real estate: appraisers and agents.With over a decade of experience at Fannie Mae and now working on the front lines of policy and advocacy, Keisha shares how valuation policy is shaped, how legislation impacts appraisers, and why communication between professionals is more critical than ever.From breaking down common misconceptions (yes, agents can talk to appraisers) to exploring major legislative efforts like the Appraisal Industry Improvement Act and Appraisal Modernization Act, this conversation dives into the real forces driving change in the industry.
As we rounded out 2025, we put out a call for nominations for our second inaugural Buzzy Awards. We wanted to once again recognize appraisers across the nation who are innovators, champions of their colleagues, tireless volunteers, and excellent, ethical professionals.In this episode, we're introducing the winner for "Instructor of the Year".They'll discuss his journey into teaching, the challenges facing today's appraisers, and how education is evolving alongside the profession. Our winner also shares his approach to making complex topics like UAD 3.6 more accessible—and why appraisers won't want to miss his upcoming class at Valuation Expo.Register for Valuation Expo (August 16th - 19th) here: https://www.valuationexpo.com/#register At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday!You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.
As we rounded out 2025, we put out a call for nominations for our second inaugural Buzzy Awards. We wanted to once again recognize appraisers across the nation who are innovators, champions of their colleagues, tireless volunteers, and excellent, ethical professionals.In this episode, we're introducing the winner for "Rising Star of the Year".They'll share their journey into the appraisal profession and the experiences that shaped their early success. Plus, they'll discuss the challenges of starting out, the opportunities that fueled their growth, and offer advice and insight for the next generation of appraisers.Register for Valuation Expo (August 16-19 in Las Vegas) here: https://www.valuationexpo.com/At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday!You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.
AI for Real Estate Appraisers: 7 Essential Concepts You Must Understand There is so much to know! What are the most important concepts real estate appraisers must understand to use artificial intelligence effectively? This podcast breaks it down. There are 7 essential concepts you must understand to use AI in a residential real estate appraisal. Artificial intelligence is transforming the appraisal profession literally on a daily basis. But AI does not, cannot, replace professional judgment—it merely amplifies it. Understanding how to use AI tools correctly can improve efficiency, enhance report writing, and strengthen analytical clarity, thus foster credible appraisals and clear, persuasive appraisal reports. Misusing AI, however, can produce confident but flawed conclusions. These are to be avoided! This episode explores essential topics including AI prompting techniques, USPAP compliance, confidentiality risks, and the difference between probability and truth in valuation. Learn why AI outputs must always be verified, how Scope of Work applies to AI inputs, and why hallucinated data is a real and present danger. We also examine how AI excels at report drafting and organization, yet fails at highest and best use analysis, market interpretation, and professional judgment. The takeaway is clear: AI can assist in explaining value, but only the appraiser can form a credible value opinion. Whether you are a seasoned MAI or a newer residential appraiser, this discussion will sharpen your thinking and prepare you for the future of valuation in an AI-driven world. So, there are 7 essential concepts you must understand to use AI in a residential real estate appraisal. Key takeaway: AI is a tool—not a thinker, not a witness, and not a substitute for appraisal expertise. #RealEstateAppraisal #AIinAppraisal #USPAP #Valuation #AppraiserLife #MarketValue #HighestAndBestUse #AItools #PropTech #AppraisalEducation #ExpertWitness #Daubert #ScopeOfWork #DataEthics #AVM #UAD36 #RegressionAnalysis #BayesianThinking #ProfessionalJudgment #RealEstateExperts
As we rounded out 2025, we put out a call for nominations for our second inaugural Buzzy Awards. We wanted to once again recognize appraisers across the nation who are innovators, champions of their colleagues, tireless volunteers, and excellent, ethical professionals.In this episode, we're introducing the winner for "Mentor of the Year".They'll explore the barriers facing aspiring appraisers, the role experienced professionals play in mentoring newcomers, and how stronger mentorship can help secure the future of the valuation profession. Plus, they'll chat briefly on the role of the Appraiser Development Initiative (ADI).At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday!You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.
The Appraisal Update - the official podcast of Appraiser eLearning
Pete Fontana recently took a bold step by submitting a formal letter to the Appraiser Qualifications Board (AQB), calling for the removal of the 4-hour Valuation Bias and Fair Housing Laws and Regulations course requirement every two years. Fontana is a practicing appraiser, a regulator with the Montana Board of Real Estate Appraisers, and a current member of the Board of Trustees for The Appraisal Foundation. In this conversation, he breaks down:• Why he thinks the current biennial 4h requirement is unnecessary• The broader implications for appraisers across the country• What specific changes he'd like to see moving forwardWe also dive into President Trump's recent executive order and discuss what it could mean for appraisers — and for users of appraisal services.
Investor Fuel Real Estate Investing Mastermind - Audio Version
In this episode, Mike Giampa shares insights from his career in the real estate appraisal industry. He discusses how to get started as an appraiser, the certification process, and the importance of building strong relationships with investors and clients. Mike also highlights niche opportunities such as mobile home parks and RV parks, while explaining how market trends influence property valuation and investment decisions. 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 —--------------------
Could the most overlooked part of your estate plan be sitting right in your living room? Jewelry tucked away in a drawer, artwork on the wall, a shelf full of old books, family pieces everyone assumes are “just sentimental”. Some of these items may be worth far more than anyone realizes, while others may not hold the value your family expects. In this episode, Stacy sits down with Peter Costanzo of Doyle Auctioneers and Appraisers to talk about how collections, heirlooms, and household treasures can create unexpected opportunities (and unexpected conflict) if no one plans ahead. You'll hear them discuss: Why artwork, jewelry, books, and collectibles should absolutely be part of your estate planning conversations How professional appraisals help families understand what items are actually worth before difficult decisions have to be made Why heirlooms that look “equal” may have wildly different values, and how that can unintentionally create conflict between family members The difference between fair market value and retail replacement value, and why that matters for both estate planning and insurance How to protect yourself from being taken advantage of when selling valuable items, and when auctions may be the better option The common mistakes families make when they wait until a move, downsizing, or home sale to deal with decades of belongings Real stories from Peter's career, including the discovery of a forgotten George Washington letter and Stephen Sondheim's rhyming dictionaries that shocked collectors at auction Resources Peter Costanzo on Doyle | Email: peter@doyle.com | Phone: 212-427-2730 | LinkedIn Stacy Francis on LinkedIn | X(Twitter) | Email FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!
Send a text In this episode of Beyond the Numbers with McKissock Appraisal, host Kevin Hecht sits down with veteran appraiser and National Association of Appraisers President Malinda Griffin for a wide-ranging conversation about the evolution of the appraisal profession. Drawing on more than three decades of experience, Malinda shares how she entered the industry, how the profession has changed over time, and why building a strong professional network is essential for long-term success. The discussion explores major industry shifts—from the rise of AMCs and new technology to the upcoming UAD/URAR 3.6 changes—while emphasizing why human judgment will always remain at the heart of valuation. Malinda also highlights opportunities beyond traditional lending work, including probate, divorce, and tax appeal assignments, and offers practical advice for appraisers looking to grow their careers while staying adaptable in a changing profession.
The Appraisal Update - the official podcast of Appraiser eLearning
In this episode of the Appraisal Update Podcast, I sit down with Malinda Griffin, President of the National Association of Appraisers, to talk about why getting involved in your professional association matters more than ever.We discuss the benefits of engagement, how appraisers can strengthen their voice in the profession, and why you won't want to miss the upcoming Appraiser's Conference & Trade Show (ACTS) in Seattle.From valuable education and industry updates to networking and a lot of fun along the way, ACTS is one of the best opportunities for appraisers to connect, learn, and grow.
A handmade mug sells for eighty bucks while a factory mug sells for five. Same function. Totally different value. That gap is the entire future of appraisal. AI did not create the split in our industry, it exposed it. There are factory appraisers competing on speed and price, and there are handmade appraisers competing on judgment, trust, and human connection. One of those paths gets cheaper every year. The other gets more valuable. In this episode, I lay out the real skills that will determine whether you still have a thriving appraisal career five to ten years from now. Not USPAP compliance. Not perfect adjustments. Not faster turn times. The three skills are: Communication Your ability to articulate expertise clearly and confidently, to real humans, in real conversations. Networking Real relationship building that turns into referrals, advocates, and being the first call, not the last resort. Sales The ability to state your fee without flinching, and to hold your ground because you know what you do is worth it. You will also get practical drills to start training immediately, including a simple 10 day recording challenge and a weekly relationship habit that builds a referral pipeline without feeling fake or salesy. If you keep trying to win the speed and price game, you are competing with tools that never sleep and never get tired. If you build the human skills nobody taught you, you become the premium option the market still wants, and will pay for. Go be handmade and valuable.
The Appraisal Update - the official podcast of Appraiser eLearning
On this episode, Bryan and AIVRE CEO Jake Lew break down the latest on UAD 3.6—what it means for your reports and how to stay ahead of the changes. They also take AIVRE's software for a spin to demonstrate how AI helps appraisers handle repetitive tasks, streamline workflows, and free up time to focus on what really matters.
When Does the Appraiser-Client Relationship Legally End? One of the most misunderstood issues in residential real estate appraisal is, “Does the appraiser-client relationship legally end?” Many appraisers assume it concludes upon delivery of the appraisal report. That assumption is dangerous. So, when is the end of the Appraiser-Client Relationship Under USPAP? Under USPAP, particularly the Record Keeping Rule, the appraiser's obligations do not terminate at report delivery. The workfile must be retained for the required period, and it must contain true copies of all written reports and supporting documentation necessary to defend the analyses, opinions, and conclusions. The professional relationship may shift after delivery, but regulatory exposure does not. Confidentiality boundaries also continue beyond submission. The appraiser must protect confidential information and assignment results unless properly authorized by the client or required by due process of law. Casual post-delivery discussions, especially with third parties, can trigger serious ethical and legal consequences. Post-delivery liability exposure remains real. Reconsideration requests, lender follow-ups, borrower complaints, and AMC revision demands can reopen risk. State board investigations often begin months or even years after the report was completed. The triggering event is frequently not valuation error alone, but unclear scope of work, incomplete documentation, or poorly defined engagement terms. This is why engagement letters matter. Clearly defining intended use, intended users, scope of work, and assignment conditions creates a defensible boundary. Explicit scope closure language can reduce misunderstandings and protect the appraiser from unintended extended liability. So, when is the end of the Appraiser-Client Relationship Under USPAP? The relationship may evolve after report delivery, but professional responsibility under USPAP endures. Smart appraisers manage that reality proactively. #USPAP #AppraisalEthics #RealEstateAppraisal #AppraiserLiability #RecordKeepingRule #StateBoard #ScopeOfWork #AppraiserRisk #EngagementLetters #ProfessionalStandards #AppraisalCompliance #AMC #ValuationProfession #AppraiserEducation #RiskManagement
The Appraisal Update - the official podcast of Appraiser eLearning
How can you actually create positive change for appraisers—not just talk about it?Here's one way I've seen firsthand: The Kentucky Association of Appraisers—a newly formed nonprofit created by appraisers, for appraisers—is working to move the profession forward in a meaningful way. A major step happened on February 18, 2026, when HB 355 successfully advanced out of the Kentucky House Banking & Insurance Committee.I had the privilege of testifying in support of the bill, and in this episode I'm joined by someone who has been a driving force behind these efforts: Chris Stewart, MAI and Chair of the KAA Governmental Affairs Committee. In this episode, we cover:What's actually in HB 355 and why it matters to appraisersHow the legislative process works—and what it takes to move a bill to the House floorThe role KAA is playing in shaping the future of the professionA sneak peek at an upcoming KAA meeting, including a class taught by Peter ChristensenIf you've ever wondered how appraisers can have a real voice in policy, regulation, and the future of the profession, this is a must-listen. — Bryan Reynolds
Everyone is talking about how AI will change your business. Almost nobody is asking whether it actually should. In this episode, Blaine breaks down what he's seeing across the professional world. Appraisers, agents, coaches, and business owners chasing every new AI tool that hits their feed. Subscriptions pile up. Hours disappear. Stress increases. Profit does not. Blaine is not anti AI. He uses it daily. He believes it is one of the most powerful tools we have ever had access to. But most tools on the market right now fall into three categories: time wasters, solutions looking for problems, and margin thieves. So how do you separate real leverage from shiny distraction? Blaine introduces the AMPLIFY Framework, a seven filter test to evaluate any AI tool before you spend another dollar or another hour. A is Autopsy. What dies when this lives? M is Multiplier. Does this give you life or steal it? P is Paycheck. Show me the money in 90 days. L is Love. Will your clients thank you? I is Investment. Are you building equity or renting a trick? F is Friction. Can you implement it today? Y is Yes. Can you say yes with full integrity? This is not just about software. It is about protecting your human advantage in a world racing toward automation. If a tool does not amplify your judgment, relationships, expertise, and impact, it is not leverage. It is noise. Stop chasing shiny objects. Start building something real. If you want to use AI without losing your edge, this episode is for you.
Reconciliation, Becoming, and Public Trust in Real Estate Appraisal Reconciliation under USPAP SR 1-6 is often treated as a technical step at the end of the appraisal process. In practice, it is far more than a mechanical exercise. True reconciliation is not about averaging numbers or following software defaults—it is about professional judgment under uncertainty. USPAP requires appraisers to reconcile the quality and quantity of data, as well as the relevance and applicability of the valuation approaches used. This places reconciliation at the core of appraisal ethics, not just methodology. It is the moment where the appraiser must take responsibility not only for the final value conclusion, but for the reasoning that produced it. From a philosophical perspective, reconciliation reflects what Søren Kierkegaard described as “becoming”: the transition from following procedures to standing personally behind one's own choices. In this sense, reconciliation is an existential act. The appraiser cannot hide behind forms, templates, or algorithms. They must interpret conflicting evidence, assess uncertainty, and justify why certain data deserve greater credibility than others. This shift moves appraisal away from mechanical form-filling and toward intellectual accountability. Appraisers are not fiduciaries in the legal sense, but they are stewards of public trust. Their primary obligation is not loyalty to the client, but loyalty to professional judgment, independence, and truth-seeking. Reconciliation is where data becomes knowledge, numbers become meaning, and appraisal becomes a genuinely ethical practice.
Karl Finkelstein shares 27 years of appraisal expertise, the importance of patience in valuation, and how tech and human insight shape CRE decisions.The Crexi Podcast connects commercial real estate (CRE) professionals with industry insights built for smart decision-making. In each episode, we explore the latest trends, innovations and opportunities shaping commercial real estate, because we believe knowledge should move at the speed of ambition and every conversation should empower professionals to act with greater clarity and confidence. In this episode of The Crexi Podcast, Shanti Ryle, Director of Content Marketing at Crexi, sits down with Karl Finkelstein, VP of Marketing and Business Development at Valbridge Property Advisors. The conversation delves into Karl's impressive 27-year career in commercial real estate appraisals and his significant contributions to the field. Karl shares insights on the importance of patience and meticulous data verification in valuations, discusses the evolving landscape of commercial real estate in the context of new technology, and offers advice for young professionals entering the industry. Emphasizing the value of human interaction in the appraisal process and the future of the industry amidst technological advancements, the episode also highlights Karl's thoughts on the current market trends and the importance of professional development in real estate appraisal.Welcome to The Crexi PodcastIntroducing Karl FinkelsteinKarl's Journey into Real EstateEarly Career and Appraisal PathEarning the MAI DesignationDeveloping a Valuation PhilosophyWhat Valbridge Does RightAdvice for Aspiring AppraisersDefining Valuation and Gathering DataThe Importance of Patience in Data CollectionDeveloping Your Appraisal "Spidey Sense"Presenting the Valuation OpinionThe Role of Appraisers in an AI-Driven WorldTrends in Commercial Real EstateCapital Flow and Investment OpportunitiesRapid Fire QuestionsFinal Thoughts and Contact Information For show notes, past guests, and more CRE content, please check out Crexi's blog.Looking to stay ahead in commercial real estate? Visit Crexi to explore properties, analyze markets, and connect with opportunities nationwide. Follow Crexi:https://www.crexi.com/ https://www.crexi.com/instagram https://www.crexi.com/facebook https://www.crexi.com/twitter https://www.crexi.com/linkedin https://www.youtube.com/crexi
The Appraisal Update - the official podcast of Appraiser eLearning
An appraiser named John called me in a panic. He was headed to court and needed help — fast.Not only did John ask what he should wear to trial, he also asked a much bigger question: How do I effectively explain my opinion of value when the other expert valued the land, valued the house separately, and added them together — resulting in a much higher value?In this episode, I share a real-life courtroom story involving a house on forty acres, competing expert opinions, and how to clearly explain valuation methodology in a way that judges and attorneys actually understand.As a sidebar, I also talk about the four economic influences an item must possess to achieve value, and how the absence of even one can cause value to diminish — or disappear entirely.Most importantly, I share how John turned what he thought would be a horrifying court appearance into a great opportunity to expand his practice, build credibility, and make good money doing it.If you've ever worried about testifying in court, explaining complex appraisal concepts in plain English, or being challenged by another expert's methodology, this episode is for you. — Bryan Reynolds
On this episode of The Association Podcast, we welcome Laura Sparks, Director of Marketing and Communications at the American Society of Appraisers. We dive into Laura's journey into the association space, exploring her eclectic background and approach to marketing and leadership. We also discuss the importance of member engagement, the integration of AI in association marketing, and the critical role of content quality. Laura highlights the significance of marketing's seat at the table and the need for collaborative planning to enhance member experiences and drive growth. Additionally, we explore volunteer engagement strategies and the value of feedback in refining marketing efforts. 00:00 Introduction and Guest Welcome 00:37 Rapid Fire Questions 02:23 Laura's Journey into Associations 05:40 Marketing and Sales Synergy 05:56 Content Marketing and AI 08:59 Tagging and Data Management 15:50 Member Experience and Feedback 26:01 The Role of Marketing in Associations 27:58 Marketing vs. Promotion: Understanding the Difference 29:55 The Importance of Marketing's Seat at the Table31:02 Gender Dynamics in Marketing 32:29 Engaging Volunteers Effectively 35:28 Marketing Volunteer Opportunities 38:16 The Challenges of Committee Work 43:49 Planning and Ideation in Marketing 50:24 Final Thoughts and Farewell
The Appraisal Update - the official podcast of Appraiser eLearning
I was honored to stand alongside fellow members of the Kentucky Association of Appraisers (KAA) in Frankfort as HB 355 was presented—an effort focused on making positive, meaningful changes for appraisers and the public we serve.But the conversation doesn't stop at state legislation.Did you know The Appraisal Foundation is considering removing the college degree requirement for Certified Residential and Certified General real property appraisers?Is that a good move or a step too far?Are you satisfied with the current qualification criteria? Do you think changes are needed? Whether you support it or oppose it, your opinion matters, and right now, you have an opportunity to be heard.In this episode, we break down what's being proposed, why it matters, and how you can submit comments that may help shape the future of the appraisal profession.Join me for this important discussion and learn how to make your voice count. —Bryan Reynolds
Ethics Is Not Just Compliance: What USPAP Is Really Asking of Appraisers In this episode, we take a clear-eyed, plain-language look at professional ethics in real estate appraisal. And why ethics is far more than rule-following or box-checking. Too often, ethics is treated as compliance: follow USPAP, disclose conflicts, don't lie, don't cheat. All of that matters, true. But it's not the whole story. This episode explores what USPAP is actually designed to do. It differentiates between honest mistakes, professional carelessness, and intentional bias. And it makes clear why those distinctions matter for public trust, credibility, and the future of the appraisal profession. We walk through three fundamentally different kinds of ethical failure that appraisers face in the real world: • Carelessness and negligence. This is when assumptions go untested or data goes unchecked• Knowing misrepresentation. When an appraiser recognizes a problem but proceeds anyway• Systemic pressure. Those times when speed, volume, or client influence quietly undermine independence Using USPAP SR 1-3 and SR 2-3, this episode explains why intent matters just as much as accuracy, and why a report can be “technically correct” yet ethically indefensible. We unpack why USPAP places responsibility squarely on the appraiser, even when the system makes ethical practice uncomfortable. This is not a scolding and not a lecture. It's a professional conversation about judgment, responsibility, and what it actually means to sign your name to an appraisal certification. If you're an appraiser, reviewer, regulator, attorney, or lender who wants to understand why USPAP is written the way it is, how ethics differs from mere compliance, and why professional judgment cannot be delegated to forms, templates, AVMs, or clients, then this episode of the Appraiser’s Advocate is for you. Because USPAP isn't asking for perfection.
When developers talk about underwriting, they often focus on the numbers and forget the product. Yet in real estate, the product is inseparable from the math. One of the most common strategic mistakes I see is the instinct to blend into the average of the market. It feels safe. It feels conservative. And it is often the most dangerous choices you can make. It's a choice that is made even more compelling by the appraisers who look at your project and force you into the middle. Appraisers can't make up the data and if there are no comparable 3BR apartments on the 9th floor with a 400 SF roof terrace, they end up discounting the value of a product that may well be differentiated in the market. Market positioning is not about being different for the sake of being different. It is about understanding where comparable projects truly sit in the competitive landscape, and then making an intentional decision about where you belong relative to them. The problem with “average” is that it usually represents a statistical midpoint, not a customer, and certainly not a clear value proposition.------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1) iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613) Website: [www.victorjm.com](http://www.victorjm.com) LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce) YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734) Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso) Email: [podcast@victorjm.com](mailto:podcast@victorjm.com) **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com) Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital) Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)