Podcasts about arv

On today's Wholesale Hotline Podcast (Wholesaling Inc Edition), Brent is joined by Micah Nichols who breaks down how a Joe Home Buyer franchise in Kentucky made $250K from just six deals using a simple direct mail strategy—offering 90% of ARV to reel in seller leads. Show notes -- in this episode we'll cover: Micah and Brent discuss why direct mail is dominating over cold calls—and how answering calls live with the right tone can be the difference between closing and losing a deal. Deep dive into Micah's data service providing the probate and inherited property leads used by top investors in the Rhino Tribe. The mindset shift investors need: Stop trying to convince sellers. Instead, discover those who already want a cash-as-is offer and align with their goals. Why high-quality, low-volume leads lead to massive profit spreads—with examples of $50K+ wholesale fees and a $190K multifamily buy appraising at $390K -- all the details inside the episode. Please give us a rating and let us know how we are doing! ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ ☎️ Welcome to Wholesale Hotline & TTP Breakout

Learn the secrets of analyzing multi-family properties in Fort Collins. This class is Module 39 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: The differences between analyzing a multi-family property with commercial financing and a single-family home with more traditional financing Obviously, the numbers are larger when you're analyzing multi-family property deals, but what about the nuance of the increases How to deal with the listing and getting info on analyzing these types of deals The difference between actual and pro-forma numbers Why you might not be able to see all the units prior to making your offer and how it typically works with larger multi-family properties Why and how to make adjustments to numbers provided to you Determining the value of the property (ARV) and understanding the difference between these multi-family properties and smaller properties Negotiating with multi-family sellers and their agents/brokers How is financing different for 5+ units compared to financing < 5 units What lenders typically look for when financing 5+ unit commercial loans Down payments on 5+ unit commercial loans Debt Service Coverage Ratios… how to calculate it and how it is used when analyzing multi-family properties How amortization/loan term changes with multi-family financing How interest rates differ from more traditional financing The ugly truth about pre-payment penalties with 5+ unit commercial financing Can lenders really insist on reviewing your financials every year when getting commercial financing How closing costs change when analyzing multi-family properties Analyzing properties where you are improving their economics… and how to represent that with rent ready costs Why you're much less likely to have to use cumulative negative cash flow when analyzing multi-family properties… and it is NOT because the properties cash flow better Modeling monthly rents and monthly other income—especially if you're improving rents—when analyzing multi-family properties Correctly analyzing vacancy rates for multi-family deal analysis Why you can't just use the property taxes in the listing when analyzing these deals Why you should call your insurance agent instead of using the seller's insurance costs during deal analysis Dealing with landlord-paid utilities on multi-family properties including modeling switching to billback for utilities What common expenses might you see when analyzing multi-family properties Dealing with maintenance and capital expenses during multi-family deal analysis A word on liquidity challenges with multi-family Multi-family pros and cons Plus much more... Check out the video and additional resources related to Secrets of Analyzing Multi-Family Properties. Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:https://RealEstateFinancialPlanner.com/spreadsheetImprove Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Fort Collins real estate investor podcast? Book a free consultation to discuss.

Learn the secrets of analyzing multi-family properties in Jacksonville. This class is Module 39 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: The differences between analyzing a multi-family property with commercial financing and a single-family home with more traditional financing Obviously, the numbers are larger when you're analyzing multi-family property deals, but what about the nuance of the increases How to deal with the listing and getting info on analyzing these types of deals The difference between actual and pro-forma numbers Why you might not be able to see all the units prior to making your offer and how it typically works with larger multi-family properties Why and how to make adjustments to numbers provided to you Determining the value of the property (ARV) and understanding the difference between these multi-family properties and smaller properties Negotiating with multi-family sellers and their agents/brokers How is financing different for 5+ units compared to financing < 5 units What lenders typically look for when financing 5+ unit commercial loans Down payments on 5+ unit commercial loans Debt Service Coverage Ratios… how to calculate it and how it is used when analyzing multi-family properties How amortization/loan term changes with multi-family financing How interest rates differ from more traditional financing The ugly truth about pre-payment penalties with 5+ unit commercial financing Can lenders really insist on reviewing your financials every year when getting commercial financing How closing costs change when analyzing multi-family properties Analyzing properties where you are improving their economics… and how to represent that with rent ready costs Why you're much less likely to have to use cumulative negative cash flow when analyzing multi-family properties… and it is NOT because the properties cash flow better Modeling monthly rents and monthly other income—especially if you're improving rents—when analyzing multi-family properties Correctly analyzing vacancy rates for multi-family deal analysis Why you can't just use the property taxes in the listing when analyzing these deals Why you should call your insurance agent instead of using the seller's insurance costs during deal analysis Dealing with landlord-paid utilities on multi-family properties including modeling switching to billback for utilities What common expenses might you see when analyzing multi-family properties Dealing with maintenance and capital expenses during multi-family deal analysis A word on liquidity challenges with multi-family Multi-family pros and cons Plus much more... Check out the video and additional resources related to Secrets of Analyzing Multi-Family Properties. Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:https://RealEstateFinancialPlanner.com/spreadsheetImprove Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Jacksonville real estate investor podcast? Book a free consultation to discuss.

Learn the secrets of analyzing multi-family properties in McAllen. This class is Module 39 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: The differences between analyzing a multi-family property with commercial financing and a single-family home with more traditional financing Obviously, the numbers are larger when you're analyzing multi-family property deals, but what about the nuance of the increases How to deal with the listing and getting info on analyzing these types of deals The difference between actual and pro-forma numbers Why you might not be able to see all the units prior to making your offer and how it typically works with larger multi-family properties Why and how to make adjustments to numbers provided to you Determining the value of the property (ARV) and understanding the difference between these multi-family properties and smaller properties Negotiating with multi-family sellers and their agents/brokers How is financing different for 5+ units compared to financing < 5 units What lenders typically look for when financing 5+ unit commercial loans Down payments on 5+ unit commercial loans Debt Service Coverage Ratios… how to calculate it and how it is used when analyzing multi-family properties How amortization/loan term changes with multi-family financing How interest rates differ from more traditional financing The ugly truth about pre-payment penalties with 5+ unit commercial financing Can lenders really insist on reviewing your financials every year when getting commercial financing How closing costs change when analyzing multi-family properties Analyzing properties where you are improving their economics… and how to represent that with rent ready costs Why you're much less likely to have to use cumulative negative cash flow when analyzing multi-family properties… and it is NOT because the properties cash flow better Modeling monthly rents and monthly other income—especially if you're improving rents—when analyzing multi-family properties Correctly analyzing vacancy rates for multi-family deal analysis Why you can't just use the property taxes in the listing when analyzing these deals Why you should call your insurance agent instead of using the seller's insurance costs during deal analysis Dealing with landlord-paid utilities on multi-family properties including modeling switching to billback for utilities What common expenses might you see when analyzing multi-family properties Dealing with maintenance and capital expenses during multi-family deal analysis A word on liquidity challenges with multi-family Multi-family pros and cons Plus much more... Check out the video and additional resources related to Secrets of Analyzing Multi-Family Properties. Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:https://RealEstateFinancialPlanner.com/spreadsheetImprove Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the McAllen real estate investor podcast? Book a free consultation to discuss.

Learn the secrets of analyzing multi-family properties in Milwaukee. This class is Module 39 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: The differences between analyzing a multi-family property with commercial financing and a single-family home with more traditional financing Obviously, the numbers are larger when you're analyzing multi-family property deals, but what about the nuance of the increases How to deal with the listing and getting info on analyzing these types of deals The difference between actual and pro-forma numbers Why you might not be able to see all the units prior to making your offer and how it typically works with larger multi-family properties Why and how to make adjustments to numbers provided to you Determining the value of the property (ARV) and understanding the difference between these multi-family properties and smaller properties Negotiating with multi-family sellers and their agents/brokers How is financing different for 5+ units compared to financing < 5 units What lenders typically look for when financing 5+ unit commercial loans Down payments on 5+ unit commercial loans Debt Service Coverage Ratios… how to calculate it and how it is used when analyzing multi-family properties How amortization/loan term changes with multi-family financing How interest rates differ from more traditional financing The ugly truth about pre-payment penalties with 5+ unit commercial financing Can lenders really insist on reviewing your financials every year when getting commercial financing How closing costs change when analyzing multi-family properties Analyzing properties where you are improving their economics… and how to represent that with rent ready costs Why you're much less likely to have to use cumulative negative cash flow when analyzing multi-family properties… and it is NOT because the properties cash flow better Modeling monthly rents and monthly other income—especially if you're improving rents—when analyzing multi-family properties Correctly analyzing vacancy rates for multi-family deal analysis Why you can't just use the property taxes in the listing when analyzing these deals Why you should call your insurance agent instead of using the seller's insurance costs during deal analysis Dealing with landlord-paid utilities on multi-family properties including modeling switching to billback for utilities What common expenses might you see when analyzing multi-family properties Dealing with maintenance and capital expenses during multi-family deal analysis A word on liquidity challenges with multi-family Multi-family pros and cons Plus much more... Check out the video and additional resources related to Secrets of Analyzing Multi-Family Properties. Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:https://RealEstateFinancialPlanner.com/spreadsheetImprove Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Milwaukee real estate investor podcast? Book a free consultation to discuss.

Learn the secrets of analyzing multi-family properties in Las Vegas. This class is Module 39 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: The differences between analyzing a multi-family property with commercial financing and a single-family home with more traditional financing Obviously, the numbers are larger when you're analyzing multi-family property deals, but what about the nuance of the increases How to deal with the listing and getting info on analyzing these types of deals The difference between actual and pro-forma numbers Why you might not be able to see all the units prior to making your offer and how it typically works with larger multi-family properties Why and how to make adjustments to numbers provided to you Determining the value of the property (ARV) and understanding the difference between these multi-family properties and smaller properties Negotiating with multi-family sellers and their agents/brokers How is financing different for 5+ units compared to financing < 5 units What lenders typically look for when financing 5+ unit commercial loans Down payments on 5+ unit commercial loans Debt Service Coverage Ratios… how to calculate it and how it is used when analyzing multi-family properties How amortization/loan term changes with multi-family financing How interest rates differ from more traditional financing The ugly truth about pre-payment penalties with 5+ unit commercial financing Can lenders really insist on reviewing your financials every year when getting commercial financing How closing costs change when analyzing multi-family properties Analyzing properties where you are improving their economics… and how to represent that with rent ready costs Why you're much less likely to have to use cumulative negative cash flow when analyzing multi-family properties… and it is NOT because the properties cash flow better Modeling monthly rents and monthly other income—especially if you're improving rents—when analyzing multi-family properties Correctly analyzing vacancy rates for multi-family deal analysis Why you can't just use the property taxes in the listing when analyzing these deals Why you should call your insurance agent instead of using the seller's insurance costs during deal analysis Dealing with landlord-paid utilities on multi-family properties including modeling switching to billback for utilities What common expenses might you see when analyzing multi-family properties Dealing with maintenance and capital expenses during multi-family deal analysis A word on liquidity challenges with multi-family Multi-family pros and cons Plus much more... Check out the video and additional resources related to Secrets of Analyzing Multi-Family Properties. Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:https://RealEstateFinancialPlanner.com/spreadsheetImprove Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Las Vegas real estate investor podcast? Book a free consultation to discuss.

Stāsta pianists Ventis Zilberts. Vai zini, ka Starptautiskajā Friderika Šopēna pianistu konkursā, kas tiek rīkots jau gandrīz 100 gadus Polijas galvaspilsētā Varšavā, dažādos laikos piedalījušies veseli desmit pianisti, kuri tādā vai citādā veidā saistīti ar Latviju? Tikai pirms nepilna mēneša noslēdzās deviņpadsmitais konkurss, bet sākam ar pirmo sacensību 1927. gadā. Laumai Reinholdei, pianistei un vēlākos gados  cienījamai komponistei, 21 gada vecumā bija gods būt pirmajai vēstnesei no Latvijas, kas iepazīstināja konkursa žūriju  un klausītājus ar mūsu pianisma skolu. Viņas spēles prasmes bija izkopis profesors Arvīds Daugulis Latvijas Konservatorijā. Pēc pieciem gadiem otrā konkursa dalībniece no Rīgas Marija Novika saņēma Goda diplomu, – vērā ņemams panākums, zinot, ka viņai tolaik bija tikai 16 gadu un ka viņa konservatoriju bija beigusi kā eksterne. Solokoncerti un muzicēšana ar simfonisko orķestri pirmskara Latvijā – acīmredzams jaunās pianistes talanta apliecinājums. Nākamajā, trešajā konkursā 1937. gadā, piedalījās jau divas dalībnieces no Rīgas – Marija Bezobrazova un Roza Slovina. Interesanti, ka Marijas klavieru klases profesors Pauls Šūberts tajā gadā bija žūrijas loceklis. Būtiski atzīmēt, ka tā ir bijusi vienīgā reize, kad kāds no  Latvijas ir vērtējis Šopēna konkursa dalībnieku spēli.  To, ka jaunās pianistes godam pārstāvēja Latviju starptautiski, rāda viņu visai aktīvā koncertdarbība vēlāk, 30. gadu otrajā pusē. Marija Bezobrazova radioraidījumos atskaņoja gan Roberta Šūmaņa cikliskos darbus, gan Aleksandra Skrjabina vērienīgo 3. sonāti, gan Mocarta opusus. Viņa bijusi arī soliste Friderika Šopēna un Pētera Čaikovska klavierkoncertu atskaņojumos sadarbībā ar diriģentiem Jāni Mediņu un Leonīdu Vīgneru. Savukārt Roza Slovina Latvijas radioraidījumos un koncertos interpretēja Friderika Šopēna, Roberta Šūmaņa, Kloda Debisī un Jāņa Mediņa kompozīcijas. Latvijas klavierspēles stabilo profesionālo līmeni Varšavā jau pēc Otrā pasaules kara no jauna apliecināja 1960. gada konkursa dalībniece, profesora Valerija Zosta audzēkne konservatorijā Kira Lavrinoviča, iekļūstot sestā konkursa finālā un saņemot Goda diplomu. Pēc piecpadsmit gadiem, devītajā konkursā izcilākais panākums, kas saistāms ar Latvijas vārdu, – kādreizējā Dārziņa Mūzikas skolas absolventei Dinai Jofei otrā vieta un laureātes diploms! Netieši ar Latvijas vārdu var saistīt arī otru šīs konkursa reizes dalībnieku, pianistu no Kanādas latvieti Arturu Ozoliņu, kurš īsti savu izcilību ir apliecinājis vēlāk, koncertējot daudzās pasaules eksluzīvākajās koncertzālēs. 1995. gads un trīspadsmitais konkurss – Latviju pārstāv profesores Ilzes Graubiņas studente Karina Jermaka un profesora Arņa Zandmaņa audzēkne Sana Villeruša. Toreiz itin veiksmīgā dalība pianistēm sekmēja tikko iesākto karjeras ceļu, kas tagad sazarojies ļoti daudzveidīgs – pedagoģija un koncertdarbība. Pēdējais lielais sasniegums Latvijai līdz šim – Georgija Osokina iekļūšana septiņpadsmitajā Starptautiskajā Friderika Šopēna pianistu konkursa finālā pirms desmit gadiem. Spožs panākums ar teicamām konsekvencēm – aicinājumi piedalītos ieskaņojumos un koncertos slavenās koncertzālēs visā pasaulē! Mūsdienās starptautisko Friderika Šopēna pianistu konkursu Varšavā var dēvēt par vienu grūtākajiem un prestižākajiem pasaulē. Uz konkursa nozīmīgumu pastarpināti norāda kaut vai tāda praktiski svarīga lieta kā godalgoto vietu balvu apmērs – piemēram, šī gada konkursa, kurš pēc skaita bija deviņpadsmitais, pirmās vietas ieguvējs saņēma veselus 60 tūkstošus eiro. Arī sestās vietas ”vērtība” – 20 tūkstoši minama bez īpašiem komentāriem. Nākamais Šopēna konkurss risināsies atkal pēc pieciem gadiem. Man ir liela pārliecība, ka mūsu pianisma skola var nodrošināt, lai godalgoto vietu sarakstā blakus kādas personas uzvārdam atkal parādītos Latvijas vārds.  

Learn the secrets of analyzing multi-family properties in Kenosha. This class is Module 39 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: The differences between analyzing a multi-family property with commercial financing and a single-family home with more traditional financing Obviously, the numbers are larger when you're analyzing multi-family property deals, but what about the nuance of the increases How to deal with the listing and getting info on analyzing these types of deals The difference between actual and pro-forma numbers Why you might not be able to see all the units prior to making your offer and how it typically works with larger multi-family properties Why and how to make adjustments to numbers provided to you Determining the value of the property (ARV) and understanding the difference between these multi-family properties and smaller properties Negotiating with multi-family sellers and their agents/brokers How is financing different for 5+ units compared to financing < 5 units What lenders typically look for when financing 5+ unit commercial loans Down payments on 5+ unit commercial loans Debt Service Coverage Ratios… how to calculate it and how it is used when analyzing multi-family properties How amortization/loan term changes with multi-family financing How interest rates differ from more traditional financing The ugly truth about pre-payment penalties with 5+ unit commercial financing Can lenders really insist on reviewing your financials every year when getting commercial financing How closing costs change when analyzing multi-family properties Analyzing properties where you are improving their economics… and how to represent that with rent ready costs Why you're much less likely to have to use cumulative negative cash flow when analyzing multi-family properties… and it is NOT because the properties cash flow better Modeling monthly rents and monthly other income—especially if you're improving rents—when analyzing multi-family properties Correctly analyzing vacancy rates for multi-family deal analysis Why you can't just use the property taxes in the listing when analyzing these deals Why you should call your insurance agent instead of using the seller's insurance costs during deal analysis Dealing with landlord-paid utilities on multi-family properties including modeling switching to billback for utilities What common expenses might you see when analyzing multi-family properties Dealing with maintenance and capital expenses during multi-family deal analysis A word on liquidity challenges with multi-family Multi-family pros and cons Plus much more... Check out the video and additional resources related to Secrets of Analyzing Multi-Family Properties. Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:https://RealEstateFinancialPlanner.com/spreadsheetImprove Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Kenosha real estate investor podcast? Book a free consultation to discuss.

Learn the secrets of analyzing multi-family properties in Denver. This class is Module 39 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: The differences between analyzing a multi-family property with commercial financing and a single-family home with more traditional financing Obviously, the numbers are larger when you're analyzing multi-family property deals, but what about the nuance of the increases How to deal with the listing and getting info on analyzing these types of deals The difference between actual and pro-forma numbers Why you might not be able to see all the units prior to making your offer and how it typically works with larger multi-family properties Why and how to make adjustments to numbers provided to you Determining the value of the property (ARV) and understanding the difference between these multi-family properties and smaller properties Negotiating with multi-family sellers and their agents/brokers How is financing different for 5+ units compared to financing < 5 units What lenders typically look for when financing 5+ unit commercial loans Down payments on 5+ unit commercial loans Debt Service Coverage Ratios… how to calculate it and how it is used when analyzing multi-family properties How amortization/loan term changes with multi-family financing How interest rates differ from more traditional financing The ugly truth about pre-payment penalties with 5+ unit commercial financing Can lenders really insist on reviewing your financials every year when getting commercial financing How closing costs change when analyzing multi-family properties Analyzing properties where you are improving their economics… and how to represent that with rent ready costs Why you're much less likely to have to use cumulative negative cash flow when analyzing multi-family properties… and it is NOT because the properties cash flow better Modeling monthly rents and monthly other income—especially if you're improving rents—when analyzing multi-family properties Correctly analyzing vacancy rates for multi-family deal analysis Why you can't just use the property taxes in the listing when analyzing these deals Why you should call your insurance agent instead of using the seller's insurance costs during deal analysis Dealing with landlord-paid utilities on multi-family properties including modeling switching to billback for utilities What common expenses might you see when analyzing multi-family properties Dealing with maintenance and capital expenses during multi-family deal analysis A word on liquidity challenges with multi-family Multi-family pros and cons Plus much more... Check out the video and additional resources related to Secrets of Analyzing Multi-Family Properties. Free Real Estate Deal Analysis Spreadsheet: Download a copy of the newest version of The World's Greatest Real Estate Deal Analysis Spreadsheet™ by going to:https://RealEstateFinancialPlanner.com/spreadsheetImprove Cash Flow: Book a consultation to improve cash flow using our proprietary 88 cash flow improving strategies.Real Estate Agent & Lender Collaborators: Interested in collaborating with us on the Denver real estate investor podcast? Book a free consultation to discuss.

Murens fall 1989 innebar slutet för de kommunistiska regimerna i Europa, men spåren finns fortfarande kvar vilken betydelse har de i dag? Journalisten och författaren Peter Kadhammar har skrivit Den europeiska kommunismens uppgång och fall. Lyssna på alla avsnitt i Sveriges Radio Play. Peter Kadhammar har i flera böcker och reportage skildrat kommunismen i Europa, allt ifrån dess början till sönderfall och kollaps, ofta berättat ur den enskilda människans perspektiv. Hans nya bok "Den europeiska kommunismens uppgång och fall" rymmer två tidigare utgivna böcker, "Vi som var så lyckliga" och "Fru Anna och generalen", men också en tidigare opublicerad text om Stalins mönsterstad Magnitogorsk – vilka slutsatser drar han när han tittar på sin rapportering i backspegeln? Vad finns kvar i dag och hur påverkar det den europeiska samtiden? Peter Kadhammar gästar dagens P1 Kultur.KLASSIKERN OM TOVE JANSSONS "FARLIG MIDSOMMAR"I år är det 80 år sedan Mumintrollen mötte världen i Tove Janssons allra första bok. Sedan dess har Mumintrollen blivit världskändisar men stämningen i de olika böckerna skiljer sig åt rejält. En sticker särskilt ut, med sina tvära kast, långa ljusa nätter och rappa repliker. Det är "Farlig midsommar" och i dagens Klassiker tar sig Hedvig Weibull an Janssons märkvärdiga bok från 1954.PÅ SPANING EFTER KJELL HÖGLUNDVem är egentligen Kjell Höglund? Och vilka är vi som lyssnar på hans musik? För snart 20 år sedan aviserade artisten bakom moderna klassiker som ”Man vänjer sig” och ”Genesarets sjö” att han var klar med musiken. Frilansjournalisten Richard Dinter är en hängiven entusiast och i sitt reportage söker han svaret på vad Kjell Höglunds texter och musik betyder för lyssnarna – hur tolkar de det de hör och vad bär de med sig?Programledare Fredrik WadströmProducent Maria Götselius

***Guest AppearanceCredits to:https://www.youtube.com/@garretwong   "Startup Funding Explained: Everything You Need to Know"https://www.youtube.com/watch?v=TzU9FmuVRDM In the ever-evolving world of real estate investing, access to capital can make or break a deal. But what happens when traditional funding sources dry up or become too restrictive? This was exactly the dilemma faced by Jay Conner, a seasoned real estate investor in Eastern North Carolina, whose journey and strategies were explored in depth on a recent episode of the “Investing to Win” podcast with Garret Wong.From Banks to Private Money: Jay's Turning PointFor the first six years of his real estate career, Jay relied solely on institutional financing—local banks and traditional money sources to fund his single-family home deals. But as the 2008-2009 financial crisis arrived, Jay, like many investors, found his credit lines abruptly closed by the bank, jeopardizing multiple deals overnight. Instead of throwing in the towel, Jay asked himself a powerful question: Who do I know that can help me with this problem?That introspection led him to Jeff Blankenship, a fellow investor who introduced Jay to the world of private money and self-directed IRAs. This new approach, Jay quickly learned, didn't depend on bank approvals or credit scores but rather on relationships and transparency.What Is Private Money?Private money, as Jay describes, is direct investment from individuals, not institutions or hard money lenders. It's a one-on-one relationship where investors loan funds secured against real estate, often using capital from personal savings or retirement accounts. Unlike hard money brokers who pool funds into lending operations (and charge higher rates and fees), true private lenders work directly with the investor.Jay emphasizes that private lenders come from all walks of life. Most of his 47 active private lenders wouldn't consider themselves sophisticated or accredited; many are teachers, civil servants, and retirees simply seeking better and safer returns on their investments.Key Benefits of Private Money LendingWhy does Jay champion private money with such passion? He lists several compelling advantages:Flexibility and Speed: Without lengthy bank underwriting, deals can often close in as little as five to seven days—sometimes a lifesaver for properties facing foreclosure or competitive bidding.Fewer Restrictions: Private lenders don't cap the number of deals or the size of your line of credit. Jay's deals frequently involve borrowing up to 75% of the after-repaired value (ARV), and it's common for him to leave the closing table with “excess cash to close”—funds above and beyond the purchase price, useful for renovations or reserves.No Appraisals or Red Tape: Instead of formal appraisals, Jay uses comparative market analyses (CMAs) to justify values to his lenders—trusted personal relationships eliminate most bureaucratic hurdles.True Win-Win: Lenders earn higher, predictable returns (Jay typically offers 8% straight, sometimes accruing during a flip or paid out monthly), while investors unlock funding quickly and efficiently.Building Trust and Educating LendersThe cornerstone of Jay's approach isn't just a promising rate—it's education and transparency. He never pitches deals out of desperation or attaches a project to an initial conversation. Instead, he teaches potential lenders about the opportunity, shows them exactly how they'll be protected, and only connects them to a specific deal when it matches what they want.Notably, Jay suggests that new investors leverage the credibility of an experienced partner or mentor when starting. If you haven't completed

Dr. Arvīds Irmejs šajā sarunā atklāj dzīvību glābjošus faktus par vēzi. Dakteris parāda, kā vēzis attīstās un kā tas kļūst arvien viltīgāks laika gaitā, tāpēc agrīnai diagnostikai un mamogrāfijas metodei ir izšķiroša nozīme, lai glābtu dzīvību un saglabātu dzīves kvalitāti. Pat neliela kavēšanās var dramatiski mazināt izveseļošanās iespējas. Dakteris arī norāda, kā 40% vēža gadījumu ir novēršami ar dzīvesveida izmaiņām.Dr. Arvīds Irmejs ir krūts ķirurģijas virsārsts PSKUS. Viņš ir RSU asociētais profesors, Onkoloģijas un molekulārās ģenētikas institūta direktors. Latvijas ārstu biedrības ceremonijā "Gada balva medicīnā" viņš saņēma balvu "Gada cilvēks medicīnā 2021".Šajā sarunā ārsts stāsta par mūsdienu ārstēšanas iespējām, pateicoties kam 80% sieviešu ar krūts vēzi vairs nav jāuztraucas par krūts zaudēšanu. Dakteris sniedz gan praktisku informāciju par skrīninga iespējām Latvijā, gan emocionālu atbalstu un cerību. Tā ir saruna, kas daudzas sievietes un viņu ģimenes var pasargāt no priekšlaicīgas nāves novēloti konstatēta vēža dēļ.Šīs intervijas saturs ir veidots sociālās kampaņas ietvaros, kas veltīta krūts veselībai. Kampaņa Latvijā tiek organizēta sadarbojoties ar krūts vēža pacientēm, pacientu organizācijām, vēža pacientu atbalsta organizāciju Onkoalianse, vadošajiem ārstiem ķīmijterapeitiem un farmācijas uzņēmumu Novartis.Sarunā pieminētos informācijas avotus un saites atradīsi 228. sarunas lapā.SARUNAS PIETURPUNKTI:00:00 - Agrīnā diagnostika glābj dzīvības00:02 – Iepazīšanās ar Dr. Arvīdu Irmeju00:04 - Krūts slimību centra darbība un komanda00:05 - Darba ikdiena un izmaiņas ārsta karjerā00:06 - Vīriešu krūts vēzis - retāk sastopams, bet tas pastāv00:08 - Ticības loma ārsta darbā, kas Dr. Irmejam dod spēku 00:10 - Pozitīva komunikācija ar pacientiem, kad svarīgi fokusēties uz risinājumiem, nevis sliktākajiem scenārijiem.00:14 - Svarīgi, lai pacients nebūtu viens, saņemot diagnozi.00:19 - Mūsdienu iespējas saglabāt krūti00:22 - Māņticības ietekme uz vēža ārstēšanu00:26 - Komplementārās medicīnas loma - fizisko aktivitāšu, uztura un garīgās veselības nozīme vēža ārstēšanas procesā.00:28 - Dzīvesveida ietekme uz vēža attīstību00:30 - Reproduktīvie faktori un krūts vēža risks00:32 - Garīgās veselības ietekme uz imunitāti un vēža attīstību.00:36 - Traģiskās kavēšanās sekas, kuras var mazināt00:40 - Vēža attīstības process un agrīnas diagnostikas nozīme00:44 - Krūts vēža statistika un jaunāku sieviešu risks, kas jāņem vērā00:45 - Mamogrāfijas pieejamība, valsts apmaksātais skrīnings sievietēm no 50 gadu vecuma un ieteikumi jaunākām sievietēm00:47 - Mamogrāfijas metodes drošības skaidrojums00:48 - Krūts vēža statistika Latvijā00:49 - Agrīna diagnostika var samazināt mirstību par trešdaļu00:51 – Skaidrojums, kādas ir mamogrāfijas priekšrocības pār citām metodēm00:54 - Godīga saruna par mamogrāfijas diskomfortu, kad ieguvumi no šī skrīninga atsver īslaicīgo diskomfortu.01:01 - Kā vīriešiem atbalstīt sievas, māsas, draudzenes krūts veselības pārbaudēs un ārstēšanas procesā01:03 - Pārmantotā vēža risks un ģenētiskās pārbaudes sievietēm01:06 – Interesanti pētījumi par krūšu palielināšanu un vēža risku01:07 - Nākotnes prognozes krūts vēža ārstēšanā, kad prevencija un veselīgs dzīvesveids ir efektīvākie risinājumi01:11 - Kā Dr. Irmejs saglabā līdzsvaru un atjaunojas01:14: Tava svarīgākā fotosesija

Kan kulturen göra skillnad i kampen mot klimatförändringar? P1 Kultur tittar närmare på två aktuella verk: filmen Ocean med veteranen David Attenborough och boken Det här är ljuset av Dimitris Alevras. Lyssna på alla avsnitt i Sveriges Radio Play. DAVID ATTENBOROUGH FIRAR 99-ÅRSDAGEN MED ”OCEAN””Rädda världen, rädda havet!” Så lyder underrubriken på den nya filmen ”Ocean with David Attenborough” som hade global biopremiär på Attenboroughs 99-årsdag i torsdags. Vetenskapsradions Lena Nordlund gästar P1 Kultur för att diskuterar den nya filmen, Attenboroughs gärning och hans klimatengagemang, som vaknade sent i livet.LUND ÄR I STORMENS ÖGA I ”DET HÄR ÄR LJUSET”Klimatförändringar och de utmaningar som väntar oss i framtiden, existentiella och samhälleliga, är teman som allt oftare skildras i konsten. I författaren Dimitris Alevras fjärde och senaste roman "Det här är ljuset" är en fruktansvärd storm på väg att ödelägga Lund. Huvudpersonen Sofia återvänder till sin gamla hemstad för att försöka samla ihop spillrorna av sin olycksdrabbade familj. P1 Kulturs reporter Anna Tullberg har träffat Dimitris Alevras för att prata om "Det här är ljuset" – och om författaren som en framtidens meteorolog.VIRGINIA WOOLFS ”MRS DALLOWAY” FIRAR 100 ÅR – MED NYUTGÅVADen 14 maj 1925 publicerades ”Mrs Dalloway” av Virginia Woolf. Romanen anses som ett portalverk inom modernismen och den första meninge – ”Mrs Dalloway sade att hon skulle köpa blommorna själv” – ekar även genom den Oscarsbelönade filmen ”Timmarna” med Nicole Kidman och Meryl Streep. Men vad är det som gör att romanen fortfarande lever, så här 100 år senare? Kulturredaktionens litteraturredaktör Lina Kalmteg gästar studion med ett tummat exemplar...KLASSIKERN: ”STJÄRNANS ÖGONBLICK” – EN BESTSELLER UTAN BÖRJAR ELLER SLUTDen brasilianska författaren Clarice Lispector fortsätter att verka långt efter sin död 1977. "Stjärnans ögonblick" är den sista roman som kom ut medan hon fortfarande levde, en metaberättelse om att skriva, om att solidarisera sig med en av världens allra minsta, om att dö med sin gestalt. Kulturredaktionens Katarina Wikars vrider och vänder på "Stjärnans ögonblick" med författarna Anneli Jordahl och översättaren Örjan Sjögren som hon hittade i radions arkiv. Vi hör också citat ur radioteaterföreställningen "Stjärnans ögonblick" i regi av Magnus Berg. VECKOTIPSET: VIGDIS HJORTH ÄR TILLBAKA MED ”UPPREPNINGEN”Delvis självbiografiska böcker om övergrepp i barndomen har blivit något av den norska författaren Vigdis Hjorths signum. ”Arv och miljö” som kom 2018 blev hennes genombrott på svenska. Den nya boken, ”Upprepningen”, är hennes mest öppet autofiktiva bok hittills och handlar om det år författaren fyller sexton och träffar sin första pojkvän. Kulturredaktionens Nina Asarnoj konstaterar att ingen beskriver de psykologiska konsekvenserna av föräldrars gränslöshet bättre än Vigdis Hjorth.Programledare: Thella JohnsonProducent: Henrik Arvidsson

First day on the job. The last time your kid holds your hand. Life is full of firsts and lasts, and today you'll hear some memorable ones.At Montrose Elementary School in Winnipeg, the students are celebrating 70 years of school history with the most ambitious spring concert ever, and that has first-time performers — and first-time performing arts teacher, Andrea Brickwood — feeling the pressure.After 15 years and three kids, Arv and his partner ended their relationship. Today he's dipping his toes back into a dating world that's changed dramatically since his last visit. Now he has to figure out the dos and don'ts of first dates all over again.April Hubbard has been a performer for much of her life. As she prepares for her death by MAiD, she's completing her final artistic creations — performances in which there's no more holding back. Looking for a change, Ti-Anna Wang left her law career to do something she's never done before – run Silly Goose Kids, a toy store in Toronto. Join in on the nerves and uncertainty less than 24 hours before opening day.After 31 years in business, Sandy Doyle was more than ready to shut down her diner Blondie's Burgers in Winnipeg. But is she ready to quit her 'Blondie' persona too? After fleeing Ukraine with only $700 in their pockets, Sofiia Dubyk and her family have purchased their first house in St. John's, N.L. They're looking forward to making their house into a home, but their excitement is tempered by the reality that back in Ukraine, war rages on. 

Join our community of RE investors on Skool here: https://www.skool.com/the-real-estate-investing-club-5101/about?ref=44459ba83f5540f19109c8a530db4023Want to learn more about investing in real estate? Visit https://www.therealestateinvestingclub.comInterested in investing in my projects? Visit https://www.kaizenpropertiesusa.comCREATIVE FINANCING REVOLUTIONIn this eye-opening episode of The Real Estate Investing Club, I sit down with Amanda Taylor from Expand Your Empire to explore her unique approach to real estate financing – what she calls "Frankenstein Funding" – along with her innovative land development strategies!

Are you interested in flipping a house but have questions? Then this is the episode for you! Join our hosts Christian Nossum, Shannon Nossum and Joanna Beecher of the Awesome Nossum Group at Wilson Realty Inc as Joanna interviews Christian and Shannon about Flipping houses. We will answer questions about budget for purchasing and renovating a property, how do you determine the after-repair value (ARV) of a property, what are key things to consider when flipping a property, what permits are required for flips, how do I find and hire reliable contractors, and many more questions! If you like listening to the Awesome In Seattle Podcast, leave us a review. We would love to hear from you!

Nordmark Pod får besök av skådespelaren  Samuel Astor!Det samtalas om och att; Jag köpte en hund, Glen, Arv, 8h lång pjäs, 100 föreställningar, nyckeln till att orka hålla på, supa på jobbet, ville ha det sammanhanget, känner mig helt lost, det kostar nånting, man lever på, äga det man håller på med, hitta nånting som är spännande, vad håller jag på med? Film, det intima, det viktigaste är att det blir bra, hundår, trogen texten, famla i mörkret, hänge sig till kaoset , när det ligger off, skjut mig i huvet, Gävle, förälskad i teatern, äcklig suspensoar, jag vill fan vara skådespelare, jag fick vara ett ufo, jag är relevant som konstnär, inte vit, rasismen, castare är fortfarande ängsliga, hur fan vill vi spegla vårat samhälle? Så ser världen ut, hantverksyrke, jag är sämst på pengar men vadan det är bara skaffa nya, piratlivet och att nu får det vara piratlivet, nu är jag lite stolt och att söka till polishögskolan..Mäktigt! Produktion av NordmarkEditering av NordmarkMix av Nordmark

Ilgmūžīgākais sporta podkāsts- Ģenerālis pret Bukmeikeru- ir atpakaļ. NBA regulārā sezona ir noslēgusies. Arvīds ar Valdi aprunās komandu sniegumus šajā sezonā, prognozēs čempionus un ko varam sagaidīt nākamgad. Vai Kristaps izcīnīs otro titulu?

David gets on the phone with a seller who isn't desperate, knows what the property's worth, and wants $100k for it. In this live call, you'll hear how David builds trust, asks the right questions, and navigates the conversation toward a creative offer—without playing the lowball game. Plus, he breaks down the deal live on the spot, from ARV to repair costs to contract strategy. KEY TALKING POINTS:0:00 - David Goes Through Warm Leads From Lead Mining Pros3:38 - Seller Explains Why He's Interested In Selling8:04 - Finding Out What The Property Is Currently Rented For9:05 - Checking On Repairs12:53 - Digging Deeper Into The Seller's Story13:51 - Talking To The Seller About Owner Financing16:38 - Thoughts After The Call19:19 - Q&A From The Audience24:17 - Outro LINKS:Instagram: David Leckohttps://www.instagram.com/dlecko Website: DealMachinehttps://www.dealmachine.com/pod Instagram: Ryan Haywoodhttps://www.instagram.com/heritage_home_investments Website: Heritage Home Investmentshttps://www.heritagehomeinvestments.com/

How do local Indianapolis Real Estate Investors compete in an increasingly competitive market? The Home Value growth in Indianapolis is 42% since 2020. The Median home price in 2020 was$170,000, but it has increased to $240,000. 2%-4% mortgage rates have risen to 8%.Many people are leaving bigger cities for more affordable living in Indiana. Large Out-of-State corporate investors are swooping in to grab up single-family homes and apartments. Competition for finding good real estate deals is increasingly hard to come by. It's like a gold rush in Indiana.But there is hope for success in Indy for wholesalers and other local investors. Partly, it does take a bit of extra work digging twice as hard as we've been used to. Some of us have gotten lazy, taking the easy deals for granted. But there are deals out there.Local investors and wholesalers have a lot of advantages compared to out-of-state buyers. Many out of state buyers have been developing bad reputations. This is where local investors with consistent track records and face to face encounters goes a long way.Out of State buyers may be able to offer more money, and sometimes that's what it comes down to. But local buyers can offer trust, as many sellers are getting burned by corporate conglomerates. And many out of state investors are coming for 6-12 months and then packing up and leaving. For those local buyers sticking around, consistency builds your credibility.It's not about making big adjustments for buyers right now. It's about make small ones. Maybe you can safely buy at a little higher ARV percentage than you used to be able. Maybe you need to attend more Meet-Ups and other events to make a few extra connections that get you that deal. Maybe you just need to have your ducks lined up better for financing to be a little bit quicker to get the deal when available, so you can close faster. Maybe it's exploring new areas that will be the next Fountain Square. Maybe doing delayed flips and continuing to rent for a few years is a successful recipe as properties appreciate.The moral of the story is, those investors who are in the Indianapolis area for the long-term are the ones who will eventually win out in the end. In the mean time, listen to Brett & Ronnie discuss some tips and tactics that could help you in your short game at this season of the real estate market.

YMH Live is back and better than ever! We're going all out for our tenth live show, tickets go on sale tomorrow (2/26) at 7am CT on ymhstudios.com. Touch our camera through the fence, chomos! SPONSORS: Go to https://shopify.com/momshouse to upgrade your selling today. Protect your online privacy TODAY by visiting https://ExpressVPN.com/ymh. Visit https://RedwoodOutdoors.com and use code YMH to save $175. Get 15% off at https://truewerk.com/ymh. Pull those jeans up over your head! It's another episode of YMH with Tom Segura and Christina P! This week the Main Mommies announce the triumphant return of YMH LIVE, a show that'll feature guests stars, original shorts, and a massive giveaway to one lucky fan. Before all that, Tom shares his thoughts on some documentaries about historical goofballs Hitler and Saddam Hussein. These guys always manage to stay relevant despite having been dead for so long. Tom then open the show with a clip of a cool white dude saying a word he probably shouldn't be saying with incredible confidence. Tom also brings up a P Diddy doc and the twosome also watch some 'Appy Burfday drive-thru videos. Momma and Poppa Jeans are next joined by actor/comedian Matt Fulchiron, who's no stranger to hearing people say his name wrong or even saying somebody else's name wrong for that matter. The trio also discuss some personal comedy show fails, OnlyFans, dumb prank videos, and Christina's fascination with an old TLC show called "My Husbands Not Gay". They also check out some horrible or hilarious clips and talk about fat people in ride shares. Your Mom's House Ep. 799 https://tomsegura.com/tour https://christinap.com/ https://store.ymhstudios.com https://www.reddit.com/r/yourmomshousepodcast NO PURCHASE NECESSARY. Open to legal residents of the 50 U.S./D.C., age 18+ (19+ in AL and NE, 21+ in MS). Void outside 50 U.S./D.C. and where prohibited. Sweepstakes starts 2/26/25 and ends 7:30pm CT on 3/7/25. Two ways to enter: (1) visit livestream.ymhstudios.com, purchase a ticket to attend Tenth YMH Live Show airing 3/7/25, follow link on confirmation screen, and complete and submit a survey with all required information, or (2) enter for free by visiting YMHStudios.com/YMHLiveX and complete and submit a survey with all required information. By entering you agree to receive periodic marketing emails from Sponsor and may unsubscribe at any time. ARV of one prize: $10,000. For full Official Rules: YMHStudios.com/YMHLiveX. Sponsor: John John Productions LLC, 2049 Century Park East, Suite 1400, Los Angeles, CA 90067. Chapters 00:00:00 - Intro 00:04:03 - Some Goofballs & Knuckleheads 00:15:41 - Opening Clip: Big Word, What? 00:21:16 - YMH LIVE X 00:24:57 - More 'Appy Burfdays 00:30:51 - Puff Daddy Doc 00:37:14 - Clip: Whistler Feeling Alright 00:39:21 - Comedy Show Fails 00:49:12 - Tour Dates & OnlyFans 00:53:09 - Clip: Dad Pranks 00:56:09 - Clip: Crow Wife Scares Her Husband 00:58:22 - Clip: Morning Rub 01:00:03 - My Husbands Not Gay 01:06:05 - Clip: Pissfluencers 01:06:50 - Back To The Gay Husband Show 01:10:52 - Too Fat For Waymo 01:15:19 - Hit And Run 01:21:34 - Horrible Or Hilarious 01:29:23 - Clip: Fat Person Grocery Haul 01:30:40 - Clip: Down For Some Me Time 01:31:24 - Clip: Fart Hard 01:32:21 - Closing Song -"I Know I'm White" by Bruce Kristner Learn more about your ad choices. Visit megaphone.fm/adchoices

Keith Weinhold and Caeli Ridge discuss the benefits of a type of loan that combines mortgage and banking features. This loan allows deposits to reduce principal first, every deposit acts like a payment, minimizing interest accrual. And can be used for cash-out refinancing, providing flexibility and potential tax benefits.  Hear about the importance and the difference between open-ended and closed-ended loans. If you pay down the loan balance over time, you can have a spread that allows you to access that equity without having to requalify or pay additional closing costs. Resources: Explore the loan simulator at RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/542 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad 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 Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold a discussion about the future mortgage rate direction. Then there's a property loan type where you don't have to make any monthly payments, and if you do make a payment, it all goes toward principal, and nothing is lost to interest. It can save you lots in interest expense over the life of the loan today on get rich education.   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome to GRE from flaccid County, Oregon to Lackawanna County, Pennsylvania and across 188 nations worldwide. I'm Keith Weinhold, and you are back in for another wealth building week here at get rich education, just another shaved mammal with the microphone here, I have a real estate analogy for you. Growing up, my dad told me, whatever you do, do it well. And that was broad guidance for life. I like things that are easy to remember. Our simple home in Appalachian Pennsylvania was headed with a wood fired stove, so we couldn't just turn a dial and feeding the stove with those logs took time and work. It was a family effort. Dad split the firewood. My chore was to regularly move firewood from the wood pile into the home, and then Mom or Dad would start the fire and constantly tend to it and get it up to the right temperature. But you know, when that fire finally roared, it felt like it could have heated five homes. And this is like buying an income producing rental property. You can't just point and click to make income reliably appear. It takes time, and even some of this admin type of work before you feel hot returned the spark that can ignite the fire means first putting your financial house in order. Those are things like getting pre approved for a mortgage loan, and then they're stacking the firewood, which means finding a deal, making an offer, booking a property inspection, scheduling an appraisal, perhaps signing a property management agreement if you're not self managing, and then, of course, placing a tenant. But see when that investment property fire roars after a year or two that can create enough returns for five retail investors, just like our roaring wood fire could have heated five homes, even though you're only one investor getting like 5x returns, and by now, you probably felt, after a year or two of owning it, the profitable warmth of the five ways you're paid that you know so well. Those five ways are leverage, appreciation, cash flow. Tenant made principal pay down a tax benefit basket and the quiet, whispering fire of inflation, profiting on your loan, but you can't get over leveraged, meaning that you can't make the payments, or else you burn the whole house down. This means embracing the right level of debt rather than avoiding debt altogether. So yeah, you know, if you want to be in the top 1% or maybe even top 5% Do you know what that means? It means being misunderstood by the masses. And when you do this right, it's not about getting rich quick, but it's about building wealth. For sure, feel the fire and whatever you do, do it well, just like my dad told me, and oh, by the way, today, my parents still live in that same. House, but they now just turn a dial for heat.    Well, you know, there's been a lot of real estate and financial news lately, just this constant feed of news. And I really need to tell you something about that. I am not a news reporter. If some news just broke an hour ago. A lot of times people are only overreacting to something like that. So here at GRE I infuse the news longer term into our content of the show, because some of it is just too big to ignore. But often let it settle down for a little while and filter out what it really means to you as an investor. I mean, being an educational platform rather than a news platform is what it's about. So I want to make sure you understand the relationships rather than just reporting the news. I mean, for example, what tariffs can do to home prices and rents and inflation. I mean, that really impacts you and your real estate long term. Rather than just doing something like reporting that the tariff on this nation that looked like it was going to be 25% is now only going to be 10% or something like that, that really doesn't affect you so much. So now that you know more about what to expect here, which are the stories that really affect you as an investor? The last inflation report did come in at a hot 3% that startled economists that it was that high. And what that does is that makes bond yields rise, because bond investors need a real return net of inflation, and in turn, that soon makes mortgage rates rise, and also it makes Jerome Powell be in no rush to cut his Fed funds rate after this hot inflation report, either. And here's another long term relationship that can help you learn the Fed's dual mandate is, what do you know? What it is, the two things I've mentioned it to you before, the Fed's dual mandate is maximum employment and stable prices. That right there is inherently volatile, because when employment is maximized, well then employers, they have to compete with higher wages in order to attract workers, and that makes prices go up, destabilizing the prices will stable. Prices is the second part of the dual mandate. So that's why it always seems like there's this lightning rod attention on Jay Powell in the Fed. It is because the dual mandate is inherently volatile. Now, you know what I think about predicting mortgage rates. I don't like to do it because it's an almost impossible task, like the myth of Sisyphus, that Greek myth about rolling a boulder up a hill wells, Fargo says mortgage rates will go down to just six and a half percent by the end of this year, so not much of a drop. And also by the end of next year, almost two years from now, they'll still be just six and a half percent. And other C rates rising from here. So there is broad consensus that there's zero reason to think that artificially low rates are going to return anytime in the near term, perhaps even in the intermediate term, coming up on a future episode of the show here and soon, how to use AI in real estate investing today, let's talk about mortgages and a special loan type.   Today, we are back with the national leader in providing Americans with income property loans. She runs the operation at Ridge lending group. She's been doing this 25 years she's an investor herself. It is their CEO and president, Caeli Ridge,   Caeli Ridge  9:06   Keith, thank you for having me.    Keith Weinhold  9:08   There does seem to be one US president. That makes a lot of news lately, but Caeli is still the most noteworthy mortgage type of President, I suppose. And just like GRE Ridge focuses on education and Caeli mortgage rates. It's the topic that everyone wants to talk about. I don't predict mortgage rates, but I know that you'll Talk That Talk a little. And previously, many expected Jerome Powell and the Fed to drop the rate four times this year, then two and now more and more expect zero rate cuts at all this year, even opening the door for rate increases if inflation persists. So tell us about the propensities of this year's mortgage rate direction.    Caeli Ridge  9:51   I think that I agree with a lot of the volume out there related to interest rates kind of stay in the course. I don't think we're going to see too much of a decline. There's. Certainly, Keith, we talk about this at nauseum. There's all kinds of things that could derail that statement that we can't prepare for, we couldn't predict for, but I think overall rates are going to stay steady. I think that whether you like them or you don't like them, the tariffs tend to come with an inflationary tone. And if that's the case, it's going to put Jerome and his buddies at the Fed in a tough position to do what they had hoped to do with the easing, the monetary easing. So I don't expect to see it, but I'm hopeful who knows. Who knows?    Keith Weinhold  10:29   Now, for you, the listener and viewer here, when you really want to know what moves rates around, Caeli talk to us about this persistently high spread, and what that means is that historic difference between mortgage rates and the yield on the 10 year treasury note.    Caeli Ridge  10:47   I feel like a lot of what that's going to attach itself to is the inflation, and then, more specifically, when we talk about llpas, and I think we've talked about this in the past, loan level price adjustments, mortgage backed securities secondary market, right? This is an investment that is bought and sold on the New York Stock Exchange, right? These are investments that carry value. And while the Treasury is usually the one that people will look at to predict where interest rates are going to go, I feel like in this higher rate environment, the secondary market understands that these mortgage backed securities are going to be paying off in advance of profitability. Now this gets a little bit complicated, but the easy way to explain it is is that if you secure a loan today at, say, seven and a half percent, if the anticipation is that interest rates over the next three years, maybe not in the next year, but two years, even three years, are going to decline. The mortgage that was closed today will likely pay off via a refinance. In that event, it's not reached the maturity date, such that when that initial mortgage backed security was purchased on the secondary market, it will have to pay off before the investor has been made whole or profitable. As a result, the margins it's called on in my world, it's called YSP, yield spread premium will not be met. So they're baking in certain levers, or they're hedging, as another way to say it, so that they're not left with those negative balances when these things do pay off when interest rates come down, because interest rates are not a straight line, they go up, they go down, they go east, they go west. So as a result, they're planning far in advance into the future. So I think that has a lot to do with it.    Keith Weinhold  12:33   Real Estate industries are shrinking, and it's all related to the fact that back in 2021 the number of existing homes sold peaked at almost 7 million, but last year, it was only about 4 million. That is a huge drawdown. The number of US Realtors is dropping since it peaked in 2023 and Caeli, from what I can see, the number of loan officers, even operating has dropped precipitously over the last four years, it's a reminder that the strong survive and in the mortgage industry, top service is what savvy borrowers need. You go with the people that consistently advise you to take your time and look at your long term strategy and make the correct decision, not always the one giving like 1/8 of a percent lower and an interest rate, so any lender can get you the next loan, and few are going to help you with your long term strategy. With this overall lower volume of transactions taking place, what are your thoughts about how it's impacted the mortgage and lending industries?    Caeli Ridge  13:37   It's such a good question. I'm glad that you asked it, and I really do think it speaks to the experts in the space consumers, our borrowers, as we call them, have to be, I believe, a little bit more discerning about who they want to align themselves with and who they want to work with as it relates to the interest rate. We've had this conversation off book. Ridge doesn't sell rate or cost. Now we're competitive, but we're never going to be the lowest possible lender out there. There's always going to be somebody that can undercut for an eighth, like you said, a quarter point, a few 100 bucks here and there. And we just don't get into that, our value adds far exceed an eighth of a point in rate, which, by the way, you probably can predict what I'm going to say next, if you're not doing the math, just as a sidebar listener, the difference in payment, and that's really where the focus should be. The difference in payment on an eighth or a quarter percent in interest rate on $100,000 is all of 5,7,8, bucks a month. Okay, so make sure you're doing the math, but the value adds that come with the education that we provide the 49 states, large footprint and the diversity of loan product, I think, far outweigh any eighth or few $100 difference when you're comparing side by side. I'm not saying that you don't want to get comparisons and you don't want to be a smart, informed consumer, but it really does matter that your lender understands known, owner occupied understands how to. Or take you from point A to point Z today and five and 10 years down the road.   Keith Weinhold  15:05   you've been a mortgage industry leader for a long time with this lower volume. Have you seen mortgage companies implode close shop?   Caeli Ridge  15:15   Absolutely, we have access to those data points and the number of loan officers just the individual in the doing the transaction, not including processors and underwriters and funders and doctors, but just the loan officers. I believe, in 2024 reduced by a margin of 53% gosh, yeah, that's a big number.   Keith Weinhold  15:35   Yes, this is really hit the industry substantially. Are there any other interesting industry trends in this environment where we have persistently higher rates, I make sure not to say high, because historically, mortgage rates are still not high. The long term average being seven and three quarter percent on the 30 year fixed rate mortgage Are there any other trends that this loss in activity has created?   Caeli Ridge  15:58   I feel like the informed investor is still finding ways to profit in real estate. They're finding diversity is key, which I'm a big proponent of as are you. That means single family residence to two to four units, cash flow versus appreciation, the short term rental, the long term rental, the midterm rental, making sure that they have a good, rounded portfolio is key. And there are some which I think we're going to be talking about today. There are some mortgage tools that I really feel like, for an informed investor, are allowing them to continue and propel further, even scale into the 25 and 26 years.   Keith Weinhold  16:36   What's happened to the volume of owner occupied transactions versus investor transactions. I would imagine that investor mortgage transactions really aren't down that much.   Caeli Ridge  16:47   not that much. I'd say there was a small blip, but I feel like we've made those up with some of the burr strategy loans we do, of course, all kinds of mortgage related transactions specifically for investors. And one of those products is a short term bridge loan, which would apply to the BRRRR method by rehab, rent and refinance. So we've been seeing quite a bit of that, where the investor will find a good deal on market or off market, where they can put a little bit of lipstick on it and then refinance it at the ARV or after repair value. So anything that we might have lost in just a traditional 30 year fixed straight purchase transactions, I feel like we made up in the other but it wasn't a big margin.   Keith Weinhold  17:26   What if there was a mortgage product out there that just didn't work like other mortgage loan products do? For example, your deposits or the payments that you make on this special type of mortgage is applied to the principal first and only. There are a lot of other interesting characteristics about this particular mortgage product. We're going to discuss that when we come back. You're listening to get rich education. We've got the CEO and President of ridge lending group back with us, an investor centric lender. I'm your host, Keith Weinhold.   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back, no weird lock ups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text FAMILY to66866, to learn about freedom, family investments, liquidity fund, again. Text FAMILY to 66866   hey, you can get your mortgage loans at the same place where I get mine at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation, because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind @ridgelendinggroup.com that's Ridge lendinggroup.com   Rick Sharga  19:48   this is Rich charga, housing market intelligence analyst. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:06   Welcome back to get rich education. We're talking with a steady guest over time, because not only are they an income property centric mortgage loan company that do mortgage loans in 49 of the 50 states, but they're also centered on education and looking out for you, the investor, over the long term. And cheyley, such an interesting product that you offer is called the all in one loan. It's been a long time since you and I have really talked about this. What it is is a first lien HELOC. It's a way for you to use the equity in your existing properties. You can do it with either a primary residence or investment properties. There are just so many reasons why an all in one load just kicks the butt on a conventionally amortizing loan, including that all payments are applied to principal first and only, and a lot of other exciting things. So Caeli, why don't we back up and just describe what the all in one loan is big picture.   Caeli Ridge  21:05   Now there is a lot to unpack, so we're going to take our time. Listener. First of all, let me just explain. Why is it called the all in one it's called that because it doubles as both a mortgage in the form of an open ended revolving HELOC and checking and savings. Both of those two features are combined, hence the all in one as a way of diminishing the amount of interest that can accrue over time. Let me explain so any revolving account, any account, including a credit card, for example, but first lien HELOC, second lien HELOC, whichever doesn't matter, open ended revolving is the key. Any open ended, revolving account will accrue interest daily based on two factors, the first being that day's balance and that months, in this case, interest rate, fully indexed interest rate. I'll come to interest rate later. As a result, you now have control largely over how much interest can accrue. Now let's take that statement and transfer it and look at it against an amortized, closed ended mortgage. You sign up for a 30 year fixed mortgage today. Let's say it's 7% whatever the interest rate is, is really irrelevant. Your principal and interest payment are defined on day one. There is no changing that monthly payment. Now you could certainly accelerate the payoff of that mortgage debt by doing what applying additional extra principal payments, right? But what happens to that extra principal payment when you send it off with your 30 year fixed mortgage payment,   Keith Weinhold  22:34   it drops your loan balance, but your minimum payment amount is the exact same the next month,   Caeli Ridge  22:38   right? And then what happens to all that liquidity that you had prior, it's now illiquid. Right? Exactly that off   Keith Weinhold  22:45   you've just transferred your cash flow into equity. Financial freedom is created by doing the opposite thing and changing equity into cash flow,   Caeli Ridge  22:52   very illiquid, and not the way an investor typically is going to want to run his or her business. So hence the all in one. Now for those of you that have heard the term velocity banking or infinity banking, maybe whole life insurance policy has a similar tone to this. The all in one, I believe, offers even more flexibility for variety of reasons that we're going to get into. But if you've ever heard those terms, that's similar to what this is. So I want to start by I usually like to give an example, okay, and provide some visual aid so that people can connect the dots. Let's start with the 30 year or a fixed rate mortgage. Just because I feel like, especially in the US, this particular loan product, or its concept is widely used in much of the rest of the world, in the US, I feel like we're sort of preconditioned here to really only understand that closed ended, amortized mortgage. So I'm going to start with an example there that actually highlights or leads into the concept of the all in one. So I want you to imagine a 30 year fixed mortgage and a 15 year fixed mortgage. Both of these mortgages originated or started at $400,000 as the balance on day one. The 30 year fixed mortgage locked at an interest rate of 4% and the 15 year fixed mortgage locked at an interest rate of 7% now, when I go through this exercise and I give this example to people, I ask them the question, Well, which one would you choose? And without exception, if they don't understand amortization, they are going to select that 4% 30 year fixed mortgage, because they don't understand that it's about speed. When you run the math and you look at an actual amortization table, you'll see that you'll pay $40,000 more in interest on a 4% 30 year or 360 month, versus a 7% 15 year or 180 month. So the point here, and what I'm illustrating, is it's speed. Now let's segue back over to the all in one. It's all about speed and how much interest we allow to accrue over time. So as you had mentioned, to start the kick this off, Keith, every deposit acts like a payment. Now here's where I struggled with this in learning. And when this was first introduced to me years ago, this part of it really caught me off guard. I had to really dig in and try to focus on what are they talking about? What do they mean? There's no payment due on the all in one. I'm gonna say that again. There's no payment due on the all in one. Think about your 30 year fixed mortgage. If you don't make a payment, what happens?   Keith Weinhold  25:19   You're defaulting, you're in trouble. You become delinquent,   Caeli Ridge  25:23   right? So that is not how this loan is set up. And it's not smoke and mirrors, okay? It's nothing fancy. The deposits that you make from ordinary income from all sources really Okay, so we want to talk about this is really special for investors, because we have access to gross rents, the rental income that's coming in before we send it back out the door, along with our net wages and every other source of income, deposits that we're getting can be utilized to your advantage. One of the ways in which I describe this is, I like to say you've become your own bank, so you have this line of credit, and your gross rents and all of your net wages are going to deposit into your checking account, driving that principal balance down, dollar for dollar, so that the interest accrual is diminished. Because remember what I said a few seconds ago, the interest is calculated on any open ended revolving account based on two factors, the balance for the day and the interest rate, so the more you have in depository income, and you drop it into your checking account, the longer it stays there, the lower the amount of interest is going to accrue within a 30 day billing cycle. Now let me just paint one more picture, and then we can open up to what questions come from this. So I want you to imagine this is I'm going to use easy, round math. I want you to imagine that you have an unpaid principal balance on your mortgage, on your HELOC of $100,000 just for round easy mouth, and that you bring in $10,000 a month in income from all sources. And just to keep it simple, we're going to say that that 10,000 comes in on day one of month one. Okay, so here's our 100 grand sitting there. My $10,000 is deposited into my checking account. Now my balance is $90,000 right? That 10 grand is not going to be touched. You will not touch that $10,000 for 29 days out of a 30 day billing cycle. And I'm giving you optimal tricks. Okay, this is how you want to use it optimally, yeah. Day one, instead of paying interest on $100,000 you're paying interest on paying interest on $90,000 and you're going to pay interest only on $90,000 for 29 days out of a 30 day billing cycle. Well, how am I going to make all my bills? And how am I going to eat? And how am I going to pay my cell phone? And what am I going to do? You're going to use a credit card, or credit cards of your choice, the ones that provide the best points, or whichever you prefer doesn't really matter. To pay all those monthly living expenses now we don't want to pay any interest on our credit cards. Right? 18, 28% whatever it is. No thank you. So now we're going to go to day 30 of that 30 day billing cycle. Right? 29 days that 10 grand has sat in there. Our balance has been 90. Our interest has accrued on that 90. On day 30, the credit card has amassed $9,000 in expenses. You've spent $9,000 for the month on food, gas utilities, car payments, cell phone, everything goes on that card. Day 30, you go into your checking account where your 10 grand has been sitting, and you write a check to pay off the credit card $9,000 so for one day of the month, we went from 90,000 in a balance to 99,000 right. 9000 had to come out of the 10 to pay off the credit card. We had $1,000 left over. Now I want you to fast forward into month to day one our starting balance, because that $1,000 leftover was our residual income, our discretionary our savings, it's what was not spent, but I have full access to it. Should I need it? So day one, month two 99, 000 is my outstanding balance. I drop in my $10,000 of income. 89,000 is what I'm going to be paying interest on for 29 days of a 30 day billing cycle. So this should allow listeners to connect some dots. There are two components of compound interest savings, the first being daily. We've got our income dropping in there. It's just sitting so daily savings, compound interest savings. And then that leftover savings, that residual, that $1,000 is going to be left in there month after month 24/7, access. That's monthly compound interest savings. So those are the two components that make this product profoundly impactful in diminishing that interest accrual over time. Why don't I take a pause   Keith Weinhold  29:30   so with the all in one loan, we're really integrating our consumer accounts with our mortgage. Absolutely right? Is there a way to automate these payments associated with this?   Caeli Ridge  29:43   Yes, I'm glad you asked. So everything that you have become accustomed to today in your checking and savings is going to be exactly the same with the all in one this mortgage is housed by an FDIC insured banking institution. It'll be one of two places depending on which. Which ends up picking up the rights. It'll be North Point or merchants, bank, those are the two that service this loan. Feel free to check them out when you think about the automation of your checking and savings accounts with your B of A, Chase, Wells, Fargo, whomever, credit union, whomever you bank with. Now there will be no difference to that experience and this experience so online bill pay, debit cards, routing numbers, paper checks. Should you still use those mobile apps? If you get a paper check, you take a picture and it uploads to the account. All the same exact automation as you have become used to today will apply with the all in one   Keith Weinhold  30:36   and you described how the all in one loan is an open ended loan versus your plain vanilla 30 or fixed amortizing loan, which is closed ended. For those that don't know, what do those terms open ended and close ended mean?   Caeli Ridge  30:48   So amortized is predetermined over the period of time that you've gotten the mortgage for. So whether it be a 10 year, a 20 year, 2515, 30, whatever it is, it is closed ended, so the interest rate that you secured against the loan amount that you've taken, they have come up with the formula, the calculation that says, This is how much interest you're going to pay over this length of time. And the longer the amount of time that you have selected, let's say a 30 or maybe even a 40 year. Those do exist, in some cases, the longer the amount of time that closed ended amortized mortgages in play, the more interest you're going to pay. Now, it keeps your payment lower for sure, but they're going to make it up in the interest that you'll pay in the long time. Now the open ended revolving just means that it is available to pay down and draw up, and pay down and draw up. It is not closed   Keith Weinhold  31:40   and then with those conventional mortgages, typically, especially when you originate a new loan for years, most of your payment goes to interest, which would not be the case with the all in one loan.    Caeli Ridge  31:53   Exa  ctly. Yeah. So anybody that's looked at an amortization table knows the first 10 ish years, we'll just keep using the most common, 30 year fixed first 10 years or so, maybe even a few years past that, 90% of your payment is going to go to the interest. You won't start chunking down any principal until the back end of that mortgage, 180 or complete flip to the all in one every dollar that goes in there drives the principal down first.   Keith Weinhold  32:18   That is huge, even if you pay a higher interest rate on your all in one loan, you can see how you have fewer dollars out of pocket in interest paid, which is what really matters to you,   Caeli Ridge  32:30   exactly, right? So think about a 20% interest rate. If you're paying 20% interest on 50,000 then 7% interest on 500,000 you can see how the math will work in your favor, regardless of the number in the interest rate in comparing side to side. And one of the other things that we haven't touched on, and maybe this is a good segue, Keith, it's not just the daily deposits. We have clients that take out a, you know, a million dollar line of credit, but they have $500,000 sitting idle for whatever it is their business needs. And in the E commerce. It doesn't even matter, but they have this amount of cash that they're simply going to take from this vehicle a regular checking account over here, and drop it in here, and that interest is saved. That $500,000 that was sitting idle doing nothing over here is now saving interest at an incredible rate. So it's not just the daily and monthly deposits. If you just have idle cash, or you know you're going to be getting a bonus or a tax refund, or whatever it is, those monies that would otherwise just sit in a one to 2% maybe interest bearing checking savings account can now be applied over here, driving down that balance further, dollar for dollar saving in that interest.   Keith Weinhold  33:39   So we are opportunistic investors here, when we see an accumulation of equity in a property or cash in an account, we want to get that moving with this all in one loan again, which is like a first lien HELOC, I would imagine that would we get plenty of room to borrow more in there, and there's been plenty of pay down, we might want to draw against it again for another purchase, and let this thing be flexible like an accordion back and forth as you're drawing the balance down and you're extending it out again. So really, the way I see the flexibility with the all in one loan is that you don't have to go through another mortgage loan origination each time you want to buy a property. You can just draw against this account.   Caeli Ridge  34:20   And we're still just scratching the surface in what this thing does exactly right? And I've said this twice now, you've become your own bank. Yeah, okay, if you pay it down over a short period of time, let's say that you had half a million dollars and you were able to reduce that down to 300,000 there's a $200,000 spread there that, at your discretion, do not have to re pre qualify and pay closing costs. Again, you don't have to ask permission or get it approved, for some reason, those are your funds, your equity, your dollars to do what you want, when you want, how you want. The other thing too is probably a good place to point this out, safety net, as long as there is a spread between what you owe and the credit limit. Whatever that is. If something were to happen That was unfortunate, some unfortunate set of circumstance befell the family, whatever, and no income was coming into the household zero. What would happen if you didn't have money to make your 30 year fixed mortgage payment? You're going to ruin your credit and go into default. Well, the reverse is true with the all in one if there is a spread between the balance and the limit and you needed to not make any deposits, the only thing that's going to happen in that case is interest is going to accrue on top of that balance. The only time a payment deposit is mandated with the all in one is when the balance is about to exceed the limit. That's the only time. Now I'm not saying that that's the way people are going to use it, but that's the reality of it. So what if this? Let's take this down the rabbit hole for a second. If you couldn't make a deposit, you're not going to go into default, right? You're simply going to add some interest on top of the existing balance. But what if you needed to draw from it for living expenses for a couple of months? Yeah? What if you needed, you know, $5,000 a month for three months until you got back on your feet, whatever it is you have access to do that. There's your safety net. You just simply draw from it, as long as there's a spread between the balance and the limit, those are your funds to do with what you choose    Keith Weinhold  36:13   if one takes out a HELOC, whether that's in an all in one loan form or not, something that I've advocated with my listeners for years is that now you do have this line that you can draw against to your point Haley, it's effectively another layer of insurance for that borrower or investor. So if you're interested in keeping down your insurance premium, you can get a HELOC or an all in one loan increase your insurance deductible, which can lower your insurance premium and increase your cash flow.   Caeli Ridge  36:43   Good point. You know, I hadn't even thought about that before. That is a new one on me that is actually brilliant. Yes.   Keith Weinhold  36:50   now we had a listener quite a while ago, Mark from Granite Bay, California, right in Mark's a great long time listener. When he found our show, he wanted to go back and re listen to all the old episodes. And he listens to several episodes multiple times. And Mark wrote in because he heard you on the show quite a while ago. And Mark says, I've been using the all in one loans, amazing mortgage balance deduction. But as a GRE listener, I know I can't be lured in by that alone. I also need to utilize its leverage. I just used my all in one loan Mark continues to say, probably, like a lot of others, to buy a duplex for mid south home buyers in all cash and then refinance that loan into a fanniefreda 30 year from my all in one loan simulations, and Caeli has an all in one loan simulation on her website that she'll tell you about. But to finish Mark's question, Mark says, I have gathered in these simulations that as long as properties are cash flowing, the best use of the all in one seems to be to keep repeating what we did on our first duplex purchase, use the all in one loan, to buy properties in all cash, and then later refi it into better debt or leverage, and then continue to repeat the process. Is that a valid way to use it? That's Mark's question.   Caeli Ridge  38:03   Absolutely. Mark, Well done, sir. And there's a few points here that I want to take a minute and peel back, Keith, so one of the first things that I would say that's really great about that philosophy or that strategy is going to be that on a cash out refinance of the property that was paid cash, using the all in one we get to use the appraised value. So under the circumstances, if you paid $100,000 for it, and perhaps it valued at 110, 151, 20, whatever it is, then we as the lender are going to refinance on a cash out refinance using that higher appraised value, so you have a little bit more leverage there, and potentially get more in that loan to value when you're comparing what you're getting back versus what you put in. The other thing, obviously, is that when you're dealing with a turnkey or a seller, an agent, whatever, everybody knows that when you can come to the table with cash, yeah, right, you become the more desirable buyer. There's that obvious piece, and then in terms of that strategy and that simulation. So please, yes, that is absolutely the first thing that I'm going to do with anybody that calls in is I'm going to get on the phone with them, a teams call, and we're going to do the simulator together. But I encourage everybody to get in there and play around with it. If you're not quite sure what data points it's asking for, let us know, or we'll do one together. But that simulator is going to allow you to compare the all in one to either an existing mortgage on a primary rental property or a new traditional mortgage. Let's say you're thinking about buying an investment property with a 30 year fixed and you want to compare that to the all in one, or maybe you want to refinance one of your existing properties, so you can compare it to existing versus new. And then within that simulation, it will allow you to forecast additional spending. That will allow you to say, I want to take out $50,000 in month 22 and it'll reformulate where the simulation of saved interest, payoff time, all of those things will be available to you within that simulator. It's very slick.    Keith Weinhold  40:00    And now that you, the investor, have the ability to pay all cash, not only can you close faster, but a lot of times, sellers are willing to give you a discount, since you can close faster and pay all cash, and then it's up to you down the road to go ahead and refinance that into a conventional product, or however else you want to do it. Caeli, what else should we know about the all in one loan?   Caeli Ridge  40:24    Couple things I would share. First of all, the qualification metric for the all in one is going to be a little bit more restrictive than a traditional 30 year fixed mortgage, so be prepared for a little extra brain damage. I know that getting qualified for mortgages is not everybody's favorite activity. I get it. There's a lot that goes on to it. It's not like the good old days where some remember you could fog a mirror and get a mortgage, but the all in one does take it to another level, even beyond what you're used to now. So debt to income ratio, I'll give you the specifics really quickly, so just be prepared. I like to set that expectation. Debt to income ratio caps at 43% on the all in one versus 50% that we would have from a traditional Fannie Freddie, 30 year fixed. The reserve requirement is calculated based on the line limit. It's dependent on the debt to income ratio. I'll just leave it there. It'll either be 10% or 15% of the line limit. So if the limit was 100 grand, 10,000 or 15,000 is the reserve requirement, and then the minimum credit score requirement. Owner Occupied is 700 non owner occupied is 720 so a little bit higher on the bar for qualification for the all in one.   Keith Weinhold  41:33   Who is this for? And who is it not for?   Caeli Ridge  41:36   It is for anyone generally that has at least 10% discretionary income at the end of the month. Typically, everybody's circumstances are different. I encourage you to play with the simulator. Get on my schedule. Let's do it together. But more often than not, we find that 10% left over at the end of the month is generally enough for it to work for the individual, and for those of you that got 2% interest rates during the pandemic, I just want you to know that I'm running the simulator against those loans day in and day out. And I would say, I'll give you a 65% of the time the all in one is beaten the, you know, what, out of a two and a half percent 30 year fixed mortgage   Keith Weinhold  42:12   that is really interesting. Well, there's a lot of opportunity and flexibility with the all in one loan. Is there any last thing that we should know about it.   Caeli Ridge  42:22   Start doing your due diligence. This does take a minute to unpack. Don't get overwhelmed by all the information. We've talked about some real tangible stuff here, but there's quite a bit that there would be to uncover. So take your time. Call us. We'll walk through it step by step   Keith Weinhold  42:36   and get started on that simulator and really see what it can do for you to make that actionable. Caeli, Where should one start?   Caeli Ridge  42:44   Head to our website, ridgelendinggroup.com you can email us info@ridgelendinggroup.com and obviously we're always a phone call away at 855, 74, Ridge   Keith Weinhold  42:54   and again, you can find that all in one loan simulator, where you can plug in some real numbers and see how it can benefit you. A friendly representative from Ridge can help you. Go ahead and do that there. So there's a lot of excitement about the all in one loan, especially, or an investor that has a GRE mindset philosophy and thinks about the opportunity of dead equity. But now that we've talked about that, tell us just quickly about some of the other products that you offer in there at ridge.   Caeli Ridge  43:23    So I think one of the real value adds for us is that we're not a one size fits all. We have an extremely diverse menu, as I like to call it, of loan programs. The all in one is at the top of a short list of my favorites. For some individuals, you got the fanniefriddies. You've got non QM, which includes DSCR, debt service, coverage ratio, bank statement loans, asset depletion loans. We have ground up construction for those that are interested in that. We have our short term bridge loans that I talked briefly about, where if you need fix and flip fix and hold, potentially, you need shorter term money, commercial loans for commercial products, commercial loans for residential in a cross collateralization way, if that is to your advantage. So as you can see, it's quite diverse.    Keith Weinhold  44:03   It's been valuable as always, and I definitely learned a few extra things that I did not know about the all in one loan myself. JAYLEE Reyes, it's been great having you back on the show, Keith. Thank you.   Now a mortgage company, of course, they have overhead and employees that they have to pay and so on. And you know, from talking with Chaley some more, I learned that they don't even make much profit from all in one loans. We wanted to discuss it together today for your benefit. However, though there are some real fees with the all in one loan, you pay points of three to 4% of the draw in closing costs only, but it's a one time fee, not every time you draw against it. She also let me know that it does not make your taxes substantially. More complicated, if you think that it can help you clear a few minutes, learn more and get hooked up with that all in one loan simulator, where they will help you through it. Big thanks to Caeli Ridge today, they really make themselves available. You can just call 855, 74, Ridge. Or if it's more your style, visit them at Ridge lending group.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 1  45:31   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 are 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 LLC, exclusively.   Keith Weinhold  45:59   The preceding program was brought to you by your home for wealth, building, getricheducation.com.    

Tobias uppväxt präglades av Waldorfskolan och antroposofins stränga ideal. Var det egentligen en sekt han växte upp i? Lyssna på alla avsnitt i Sveriges Radio Play. När Tobias fru påstår att han vuxit upp i en sekt börjar han ifrågasätta hela sin uppväxt.Åren i Waldorfskola som ett parallellsamhälleHans mormor, Karin Ruths Hoffman, var en hängiven antroposof från Tyskland. Hon hade i sin ungdom gått på den allra första Waldorfskolan som startats i Stuttgart av antroposofins grundare Rudolf Steiner 1919. När det blev dags för Tobias och hans syskon att börja skolan på 1970 -talet bestämdes det att de också skulle gå i Waldorfskola. Tidigt förstod Tobias att han och alla de andra waldorfbarnen var annorlunda än andra barn. Vi levde som i ett parallellsamhälle med konstiga lagar och regler som vi tvingades anpassa oss efter, berättar Tobias.Antroposofin skapade ett utanförskapTobias berättar att han och hans klasskompisar på Kristofferskolan inte fick lära sig faktakunskaper, spela fotboll, titta på tv eller ta del av nyheter från omvärlden utan att de istället skulle ägna sig åt andlighet, fantasi och sagor.För de vuxna var vi upphöjda och speciella som ställde oss utanför det fördärvade och materialistiska samhället, men för mig blev det ett utanförskap som senare i livet medförde kunskapsluckor och en känsla av att slitas mellan två oförenliga värdesystem, säger Tobias.Reporter: Tobias AspelinProducent: Ylva LindgrenSlutmix: Jacob GustavssonFrån 2023.

So, wouldn't you believe that a day after we recorded the first part of this episode in October 2024, the very next day the Federal Government announced more changes to mortgages! So obviously I had to have Matt Shallo & Matt Legatto back on the podcast to break down the second round of changes from the Federal Government. The second round of changes focuses far more on homeowers being able to access capital (debt), to be able to renovarte their homes for additional units via backyard apartments, basement apartments, secondary suites, and laneway houses. How? CMHC is allowing changes to the after renovation value, and the loan ratio to that value, once the home renovation has been finished. Basically, you're allowed an ARV (after renovation value) of $2M, and you can access up to 90% of that new value in a loan against your property. A 10% increase from the original 80% loan to value CMHC would provide. As well as a few other minor changes. Enjoy!Jason Paul902-220-7357jason@infinityrealestategroup.ca@jasonpaulhalifaxrealtor Matt Shallo782-640-8533matthew.shallo@indimortgages.caMatt Legatto902-240-3304matthew.legatto@indimortgages.ca.

In the latest episode of Raising Private Money, Jay Conner and Crystal Baker divulge the secrets behind a lucrative real estate investment deal. From innovative acquisition methods to strategic exit strategies, this episode is a treasure trove for both new and seasoned investors.The Power of Referrals in Real EstateAcquiring Properties Through ReferralsOne of the standout techniques discussed in the episode is the power of obtaining deals through referrals. Crystal, for example, secured her deal via a referral from a previous seller. This method not only fosters trust but also tends to result in more favorable negotiation terms. Jay Conner emphasizes the importance of asking for referrals explicitly when closing a deal, as it can open doors to new opportunities.A Token of AppreciationAnother golden nugget from Crystal's approach is rewarding referrers with substantial thank-you gifts. She shares how she transitioned from gift baskets to $350 Amazon gift cards, which, in turn, incentivizes more referrals. As Jay comments, a well-appreciated referrer can become a continuous source of potential deals, making this investment well worth it.Negotiating the Right Purchase PriceUnderstanding the Maximum Allowable Offer (MAO)Crystal provides key insights into negotiating the purchase price effectively. At the heart of this strategy lies the Maximum Allowable Offer (MAO) formula, an essential tool for any real estate investor. MAO = After Repair Value (ARV) x 70% - Repair Costs.By factoring in repair costs and future appreciation, investors can arrive at a sound purchase price that ensures profitability. As Crystal explains, adjusting for additional room (Murphy's Law) further safeguards against unforeseen expenses.Crystal's Real-Life ExampleIn her example, the property's ARV was estimated at $200,000, with $18,000 in repairs. Applying the MAO formula, she calculated the offer to be $110,000. However, through strategic negotiation and justifying potential work needed, she secured the property for $96,000, well below her initial offer, ensuring a favorable deal.Leveraging "Work for Equity" as an Exit StrategyWhat is "Work for Equity"?One of the most innovative strategies discussed is the "Work for Equity" model. This approach involves selling the property on a rent-to-own basis, where the buyer earns credit towards the purchase price by completing specific repairs and improvements on the property. This method is particularly effective for buyers with lower pre-approval amounts, who are looking to invest sweat equity into their future home.Implementation and BenefitsCoach Crystal meticulously outlines how she implements this model. By offering a detailed scope of work with timelines, she ensures that the tenant-buyer maintains progress and upholds the contract's terms. This arrangement not only reduces initial rehab costs for Crystal but also incentivizes the buyer to invest in their new home, creating a win-win scenario. According to Crystal, properties sold on a lease-to-own basis typically demand a higher price, compensating for the terms extended.Pricing Strategy and Future AppreciationCalculating the Selling PriceCrystal's strategy of pricing properties higher on a work-for-equity deal is another critical takeaway. She shares how she marks up the sale price by 10% to 15%, accounting for potential market appreciation over the lease period. For instance, an ARV of $200,000 was leveraged to sell the property at $235,000, ensuring future appreciation and securing a safety net against market fluctuations.Ensuring Collaboration and ComplianceAn essential aspect of this approach is the collaborative effort between th

P1:s veckomagasin om Sverige och världen politik, trender och analyser. Lyssna på alla avsnitt i Sveriges Radio Play. Timme ett: Hundratals döda i Goma - vår korrespondent på plats i Östra KongoExplosiv våg i svenska städer, reportage om sprängningar nu och då.Samtal om Salwan Måmika - vilken betydelse hade han?Reportage om kineser som förs bort för att utföra bedrägerier i ThailandKrönika Ulrika KnutsonPanelen med Amanda Sokolnicki, Dagens Nyheter, Stig-Björn Ljunggren, Sydöstran och Adam Cwejman, Göteborgsposten.Timme två: Trump - om tullarna och kärleken till president McKinley.Reportage om dåliga digitala arbetsmiljöer.Skådespelaren David Fukamshi Rengfors kommer hit och talar om pjäsen Arv.Solmaximum råder och både planeter och norrsken är synliga, ny trend.Samtal med Anders Tegnell - fem år efter den första covidsmittan i SverigeKåseri Emil Jensen

Discover 5 key real estate terms you need to know as an investor, and more importantly, how to use each to make more money in real estate!

Get ready to supercharge your real estate investing game! This episode features Hard Money Gary, a real estate ninja who's mastered the art of securing funding for any project. Forget the endless struggle of finding money—Gary shares his proven strategies, turning years of experience into profit for himself and clients.This isn't your typical dry real estate finance discussion. We kick things off by exploring various funding options, demystifying the often-confusing world of real estate loans. Gary weaves in anecdotes from his personal journey, from wholesaling to building a nationwide hard money network. Prepare for a rollercoaster of humor and wisdom!Key takeaways from this must-listen episode include:Mastering Outreach: Ditch the awkward cold calls and generic emails! Learn the most effective strategies to find lenders, including networking, online platforms, and writing compelling messages. Forget the awkward small talk – we teach you how to close deals effectively!Hard Money & DSCR Loans: Gary breaks down hard money and DSCR loans with humor and clarity. Discover how to choose the right loan type for your unique situation, and understand interest rates like a pro (no more confusing financial jargon).Building Winning Relationships: Learn how to build strong connections with lenders that lead to ongoing success. Tips on maintaining positive relationships and getting repeat business are included – forget those one-off deals!Avoiding Costly Mistakes: Gary reveals common pitfalls many investors fall into and shares how to avoid those costly errors. This is your crash course in how to stay financially fit.DSCR Loan Details: Get to grips with what a DSCR loan is, and when it's the right solution for your project. DSCR loans are your secret weapon to securing the financing you need.Rehab & Repair Financing Strategies: We dive into the nuts and bolts of loan-to-cost, loan-to-value, and loan-to-ARV. Learn how to master these crucial elements of project financing.This podcast isn't just theory; it's real-world advice. Gary's infectious energy will inspire you to take action. But be warned: you might get too fired up listening! So grab a beverage, settle in, and prepare to become a real estate funding master.What you'll also discover:Why understanding various financial strategies is essential for successful real estate ventures.Insights on avoiding common mistakes in securing funding.How to make social media work for you in your search for lenders.Practical strategies for building long-lasting lender relationships.This podcast is your guide to securing the funding you need for your real estate endeavors. Don't miss the chance to learn from one of the best in the business! Like, subscribe, and share this with your fellow real estate investors.Watch the original VIDEO HERE!Connect with GARY BROWN HERE!Book a call with SCOTT HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Beki and Kelly Cassels' journey in the real estate investment world is both inspiring and educational. Within a short span of two and a half years, they have gone from being brand-new investors to successfully executing significant deals. Jay Conner, their mentor, plays an instrumental role in their success by providing them with the knowledge and financial resources required to thrive in the competitive market of real estate.In the latest episode of Raising Private Money, Beki and Kelly shared the details of their latest deal, providing in-depth insights about their journey, the acquisition process, repairs, and the unexpected challenges they faced. Here is a breakdown of how they transformed a problematic property into a profitable investment.Identifying and Securing the DealFinding the PropertyBeki and Kelly's latest project, located at 2332 East 10th in New Mexico, was identified through a referral from a neighbor. The property was notorious in the area for being the “problem house.” The landlord, tired of dealing with tenant issues, was looking to sell. This was a classic case of a “tired landlord” and represented a perfect opportunity for the Cassels.Understanding the Market ValueThe after-repair value (ARV) of the property was initially assessed at $230,000 by their knowledgeable realtor. This valuation was crucial as it provided a baseline for determining the potential profitability of the deal. However, due to market dynamics, they planned to list the property at a higher value of $280,000, significantly increasing their potential return on investment.Repairs and Unexpected ChallengesEstimating and Executing RepairsThe initial repair estimate for the house was $110,000, but they wisely set aside an additional $10,000 for unforeseen issues, following the well-known Murphy's Law. True to form, challenges did arise, particularly with the gas lines and HVAC system, necessitating a complete overhaul. This thorough rehabilitation included gutting the house down to the studs and installing new electrical wiring, plumbing, and insulation.Detailed Repair BudgetTheir strategy involved getting a contractor's rough estimate before making an offer on the property. While the detailed estimate came in after the property was purchased, it closely matched their projections. By diligently working with professionals and being prepared for surprises, Beki and Kelly ensured the project stayed within budget.Financing and Profit CalculationSecuring FundingOne of the standout aspects of this deal was the financing structure. Beki and Kelly borrowed $172,500 through multiple private lenders at an interest rate of 10%. The funds were wired directly to the closing agent's trust account, covering the $43,000 purchase price and leaving them with $130,000 upfront for repairs and other costs.Calculating Net ProfitAfter accounting for the $120,000 spent on repairs, realtor fees, carrying costs, and other expenses, Beki and Kelly calculated a net profit of $88,200 from this deal. They also paid a 6% realtor fee amounting to $16,800 and anticipated their private lender interest to be around $9,000 over six months. Such meticulous financial planning ensured that they could maximize their returns even with significant upfront and carrying costs.Key Takeaways and Lessons LearnedNetworking and ReferralsOne of the central lessons Beki and Kelly highlighted was the power of networking. By maintaining good relationships with neighbors and service providers, and by making their capabilities known, they secured this valuable deal. They also emphasized the importance of appreciating referral sources; rewarding their neighbor with $1,000 was not only good pract

In the latest episode of the Raising Private Money podcast, Jay Conner sat down with mastermind member Tim Benskin to discuss his latest deal in Swannanoa, North Carolina. Tim shared his unique approach to acquiring, financing, and profiting from real estate investments, offering invaluable lessons for aspiring and seasoned investors alike. Today, we will dive deep into the key topics discussed, providing a comprehensive guide to understanding Tim Benskin's successful strategies and tactics.A Fortuitous Encounter: The Genesis of the DealTim Benskin's latest deal began with an unexpected opportunity. While working on a property purchased from a wholesaler, Tim was approached by a neighbor who inquired if he would be interested in buying his house. This initial conversation set the stage for a profitable transaction.Key Takeaways:Networking and Relationship Building:Tim's success in this deal highlighted the importance of maintaining good relationships with contractors, neighbors, and other stakeholders in the real estate industry. An open line of communication can often lead to new opportunities.Opportunistic Mindset:Being present and attentive during property renovations can present unforeseen chances to acquire new properties at favorable prices.Negotiating the Purchase PriceThe neighbor initially asked for $150,000, but after assessing the property and understanding the seller's needs, Tim successfully negotiated the price down to $130,000. This $20,000 reduction set the foundation for a profitable investment.Key Takeaways:Negotiation Skills:Tim's ability to negotiate effectively saved him a substantial amount on the purchase price. Understanding the seller's motivations and maintaining a flexible negotiation stance is crucial.Assessing Property Value:Conducting a thorough property valuation, including an understanding of After Repair Value (ARV), is essential in negotiations.Leveraging Financing: Private Money and Profit CentersTim financed the property using private money, borrowing a total of $130,000 from two private lenders. The strategic use of private money enabled Tim to acquire the property without using his capital while structuring repayment terms that supported a positive cash flow.Key Takeaways:Private Money:Utilizing private lenders can provide flexible financing options, often with more favorable terms compared to traditional lending institutions.Multiple Profit Centers:Tim created several profit centers through this deal, including monthly cash flow, a nonrefundable lease option deposit, and potential appreciation upon sale.Innovative Selling Strategy: Work for EquityTim's decision to sell the property through a lease option with a "work for equity" component was a masterstroke. This approach not only minimized his upfront renovation costs but also incentivized the buyer to invest in the property's improvement.Key Takeaways:Work for Equity Concept:Allowing buyers to reduce their purchase price by undertaking necessary repairs encourages them to buy into the property's value and care for it. Tim's buyers stand to receive a $10,000 credit for completing specific agreed-upon repairs.Reducing Risk and Increasing Profit:This strategy reduced Tim's risk and repair costs while increasing the property's sale price to $187,000, considerably higher than its ARV.Monthly Cash Flow and Final Profit AnalysisPost-financing, Tim's monthly outgoing payments to his private lenders totaled $940. His lease option agreement brought in $1,450 a month, leading to a net positive cash flow of $284.34.Key Takeaways:

Real estate investing is an exciting and potentially lucrative venture, but it requires a comprehensive understanding of the market, strategic planning, and access to resources, particularly funding. In a recent episode of the Raising Private Money podcast, Jay Conner and PMA member Erica Camardelle gave listeners an in-depth breakdown of how to execute a successful real estate deal using private money.Today we will unpack the key takeaways from Erica's deal and provide actionable insights that can help you navigate your own real estate investments profitably.The Importance of Understanding Seller MotivationOne of the pivotal lessons Erica shared was understanding the seller's motivation. This allows investors to better tailor their offers and negotiations.Identifying Key Motivations:Inheritance:The seller had inherited the property from her parents.Out-of-State Ownership:Living in a different state made managing the property inefficient for her.These factors compounded to create a seller who was highly motivated to offload the property quickly, providing Erica with a leverage point in negotiations.Negotiation Tip: Always dig deeper into the seller's circumstances. Understanding their motivations can provide hidden advantages in structuring your offer.Leveraging Private Money for Real Estate DealsErica and Jay detailed the significance of private lending, which can make or break a deal, particularly in competitive markets.Utilizing Private Lenders:Borrowing Against After Repaired Value (ARV):Erica borrowed 75% of the ARV ($166,000), amounting to $125,000. This ratio ensures a financial buffer, minimizing the investor's risks.Establishing Long-term Lender Relationships:Erica's success stemmed from a long-standing relationship with her private lender over several years. This not only facilitated quick access to funds but also built trust over time.Pro Tip: Building and nurturing relationships with private lenders can lead to more favorable terms and quick approvals, crucial for seizing opportunities swiftly.Effective Property Valuation and BudgetingUnderstanding property valuation and accurately budgeting repairs are cornerstones of successful real estate ventures.Valuation Approach:ARV Calculation:The after-repaired value was set conservatively at $166,000. Despite this, Erica listed it for $185,000 based on market dynamics, which illustrates a strategic risk-taking approach to maximize profits.Budgeting Repairs:Predictive Budgeting:Erica initially budgeted $20,000 for repairs but managed to spend only $15,000. This conservative overestimation helps in dealing with unforeseen issues.Carrying Costs:Six months of holding costs were budgeted. This includes accounting for taxes, insurance, and private lender interest, ensuring no financial surprises.Investor Insight: Always budget for higher than anticipated repair costs and consider listing slightly higher than the ARV to attract potential buyers willing to pay more.Calculating Net Profits and Key MetricsJay Conner emphasized the need for accurate calculations to understand the true profit from a real estate deal.Net Profit Breakdown:Sale Price:Listed at $185,000.Expenses Subtraction:Purchase Price: $96,000Repairs: $15,000Realtor Fees: 5%, approximately $9,250Private Lender Interest: $5,000Taxes and Insurance: Estimated at $2,250Following these deductions, the net profit was calculated to be approximately $57,500.Understanding MAO (Maximum Allowable Offer):MAO Calculation:

Enjoying the Ecommerce Coffee Break Podcast? Here are a few ways to grow your business: https://ecommercecoffeebreak.com/level-up/ ---In this first episode of our special mini-series on ecommerce search, Arv Natarajan, Director of Product at GroupBy Inc., explores how artificial intelligence is revolutionizing digital customer experiences.  From early keyword matching to today's sophisticated AI-powered solutions, Arv breaks down the transformation of search technology and its critical role in creating personalized shopping journeys. Topics discussed in this episode:  How early e-commerce search failed due to basic keyword matching. Why AI understands shopping intent vs just matching words. How search personalization works without compromising privacy. Why both search and browse experiences matter equally. What makes the perfect e-commerce search page layout. How visual search transforms product discovery. Why conversational AI revolutionizes complex shopping queries. What makes unified AI shopping assistants the future. How search analytics reveal hidden inventory issues. Why "revenue per search" is the only metric that matters. Links & Resources  Website: https://www.groupbyinc.com/integrations/shopify Shopify App Store: https://apps.shopify.com/groupby-ai-search-discovery LinkedIn: https://www.linkedin.com/in/arvnatarajan/ X/Twitter: https://x.com/groupbyinc  Get access to more free resources by visiting the show notes athttps://tinyurl.com/3fftw9mw MORE RESOURCESDownload the Ecommerce Conversion Handbook for store optimization tips at https://tinyurl.com/CRO-ebook Best Apps to Grow Your eCommerce Store: https://ecommercecoffeebreak.com/best-shopify-marketing-tools-recommendations/ Become a smarter online seller in just 7 minutes Our free newsletter is your shortcut to ecommerce success. Every Thursday. 100% free. Unsubscribe anytime. Sign up at https://newsletter.ecommercecoffeebreak.com Rate, Review & Follow Enjoying this episode? Help others like you by rating and reviewing my show on Apple Podcasts. Rate here: https://podcasts.apple.com/us/podcast/ecommerce-coffee-break-digital-marketing-podcast-for/id1567749422 And if you haven't yet, follow the podcast to catch all the bonus episodes I'm adding. Don't miss out—hit that follow button now!

Välståndet från stora teknologiska omvandlingar når de breda massorna först långt senare, säger ekonomipristagaren Simon Johnson, som också studerat kolonialismens följder för dagens ojämlika världsekonomi. Lyssna på alla avsnitt i Sveriges Radio Play. Programmet sändes första gången 26/11-2024.Vi möter Simon Johnson en mycket tidig morgon, dagen efter det stora nobelprisfirandet vid hans arbetsplats. I vad han kallar den mest annorlunda intervjusituation han varit med om berättar han om den surrealistiska upplevelsen när han först fick veta om priset, om sin nya hektiska tillvaro och om forskningen han belönas för.Johnson är en av tre som i år delar Sveriges Riksbanks pris i ekonomisk vetenskap till Alfred Nobels minne, ”för studier av hur institutioner formas och påverkar välstånd” som motiveringen lyder. Det handlar mycket om hur arvet efter den europeiska kolonialismen präglar ekonomin i världen idag.Britten Simon Johnson, nu verksam i USA, har också forskat och skrivit om de ekonomiska effekterna av de stora teknologisprången: den industriella revolutionen, digitaliseringen som pågått de senaste 50 åren, och nu även AI. Gång på gång har välståndet de skapar i första hand gynnat bara en liten del av befolkningen, säger han.Åk med när vi följer Johnson en liten bit på den veckopendling han gör med flyg mellan arbetet vid MIT Sloan School of Management i Cambridge utanför Boston och hemmet i Washington DC!Medverkande: Simon Johnson, Professor vid Massachusetts Institute of Technology, Cambridge, USA och mottagare 2024 av Sveriges Riksbanks pris i ekonomisk vetenskap till Alfred Nobels minne.Reporter: Björn Gunérbjorn.guner@sr.seProducent: Lars Broströmlars.brostrom@sr.se

On this podcast, Jerry breaks down a recent fix and flip that made a net profit of $150,000 using none of his own money!If you have a deal under contract to flip at 65-70% of ARV, go here to apply for funding:https://share.hsforms.com/1nuwhjvpVRw2bxIwEGILyuA8nqjcVIDEO: How to flip houses with 100% Funding:https://youtu.be/yz5gFJ2_RLIVIDEO: How to get agents to bring you deals:https://youtu.be/-AiIgJuIAOgGet Paid $10,000 to find deals for Jerry:https://flippingmastery.com/10kpodThis podcast was originally released on YouTube. Check out Jerry Norton's YouTube channel, with over 2,700 videos on all things wholesaling and flipping! https://www.youtube.com/c/FlippingMasteryTVAbout Jerry Norton Jerry Norton went from digging holes for minimum wage in his mid 20's to becoming a millionaire by the age of 30. Today he's the nation's leading expert on flipping houses and has taught thousands of people how to live their dream lifestyle through real estate.   **NOTE: To Download any of Jerry's FREE training, tools, or resources… Click on the link provided and enter your email. The download is automatically emailed to you. If you don't see it, check your junk/spam folder, in case your email provider put it there. If you still don't see it, contact our support at: support@flippingmastery.com or (888) 958-3028.Get Access to Unlimited Free Property Searches and Downloads:https://flippingmastery.com/propwire Wholesaling & House Flipping Software: https://flippingmastery.com/flipsterpodMake $10,000 Finding Deals:  https://flippingmastery.com/10kpodGet 100% funding for your deals!https://flippingmastery.com/fspodMentoring Program:https://flippingmastery.com/ftpodFREE 8 Week Training Program https://flippingmastery.com/8wpodGet Paid $8700 To Find Vacant Lots For Jerry:https://flippingmastery.com/lfpodFREE 30 Day Quickstart Kithttps://flippingmastery.com/qkpodFREE Virtual Wholesaling Kit:https://flippingmastery.com/vfpodFREE On-Market Deal Finder Tool:https://flippingmastery.com/dcpodFREE Wholesaler Contracts:https://flippingmastery.com/wcpodFREE Comp Tool:https://flippingmastery.com/compodFREE Funding Kit: https://flippingmastery.com/fkpodFREE Agent Offer Sheet & Scripts: https://flippingmastery.com/aspodFREE Cash Buyer Scripts:https://flippingmastery.com/cbspodFREE Best Selling Wholesaling Ebook:https://flippingmastery.com/ebookpodFREE Best Selling Fix and Flip Ebook:https://flippingmastery.com/ebpod FREE Rehab Checklist:https://flippingmastery.com/rehabpod

On this podcast, Jerry breaks down exactly how to flip houses with 100% funding. That means none of your money in the deal!For now, If you have a deal to flip at 65-70% of ARV and you want 100% funding, email details here: Jessica.reinvestments@gmail.comThis podcast was originally released on YouTube. Check out Jerry Norton's YouTube channel, with over 2,700 videos on all things wholesaling and flipping! https://www.youtube.com/c/FlippingMasteryTVAbout Jerry Norton Jerry Norton went from digging holes for minimum wage in his mid 20's to becoming a millionaire by the age of 30. Today he's the nation's leading expert on flipping houses and has taught thousands of people how to live their dream lifestyle through real estate.   **NOTE: To Download any of Jerry's FREE training, tools, or resources… Click on the link provided and enter your email. The download is automatically emailed to you. If you don't see it, check your junk/spam folder, in case your email provider put it there. If you still don't see it, contact our support at: support@flippingmastery.com or (888) 958-3028.Get Access to Unlimited Free Property Searches and Downloads:https://flippingmastery.com/propwire Wholesaling & House Flipping Software: https://flippingmastery.com/flipsterpodMake $10,000 Finding Deals:  https://flippingmastery.com/10kpodGet 100% funding for your deals!https://flippingmastery.com/fspodMentoring Program:https://flippingmastery.com/ftpodFREE 8 Week Training Program https://flippingmastery.com/8wpodGet Paid $8700 To Find Vacant Lots For Jerry:https://flippingmastery.com/lfpodFREE 30 Day Quickstart Kithttps://flippingmastery.com/qkpodFREE Virtual Wholesaling Kit:https://flippingmastery.com/vfpodFREE On-Market Deal Finder Tool:https://flippingmastery.com/dcpodFREE Wholesaler Contracts:https://flippingmastery.com/wcpodFREE Comp Tool:https://flippingmastery.com/compodFREE Funding Kit: https://flippingmastery.com/fkpodFREE Agent Offer Sheet & Scripts: https://flippingmastery.com/aspodFREE Cash Buyer Scripts:https://flippingmastery.com/cbspodFREE Best Selling Wholesaling Ebook:https://flippingmastery.com/ebookpodFREE Best Selling Fix and Flip Ebook:https://flippingmastery.com/ebpod FREE Rehab Checklist:https://flippingmastery.com/rehabpod LET'S CONNECT! FACEBOOK http://www.Facebook.com/flippingmastery INSTAGRAM http://www.instagram.com/flippingmastery

Tisdag! Det blir stockholmare och lantisar, spanska och västkustska. Har du ett skvaller som fler borde få höra? Maila det till kafferepetpod@gmail.comMissa inte vår månatliga systerpodd Cigarrummet. Bli prenumerant på www.underproduktion.se/cigarrummet2:20 - Grusad uppfart – En mäklarhistoria8:25 - Ludde och spanskaprovet11:43 - Arv i miljö Hosted on Acast. See acast.com/privacy for more information.

***Guest AppearanceCredits to:https://www.youtube.com/@Randy_Dyck  "The Secrets of Private Money with Jay Conner: A Real Estate Investor's Journey"https://www.youtube.com/watch?v=k3uM93KSb1g In a recent episode of the Raising Private Money podcast, Jay Conner and Randy Dyck dive into the profound and transformative journey of leveraging private money in real estate investing. This discussion lights up key strategies and valuable life lessons drawn from years of real estate experience and personal growth. This blog post will outline the podcast's rich content, providing an extensive overview for those eager to succeed in real estate investing.David's Resilience: Embracing the E+R=O FormulaLearning from Hardship: The Foundation of ResilienceDavid's story begins with a challenging upbringing in Kentucky, losing his father at a tender age. This early adversity seemed to predetermine a life of struggle for David. However, a transformative lesson came when he learned about the E+R=O formula, which stands for Event + Response = Outcome. This revelation helped David realize that while he couldn't control the events in his life, he had complete control over his responses. This lesson of owning one's response to life's events underpins the greater discussion of resilience in real estate, as echoed by Jay Conner and Randy Dyck.Jay Conner's Journey: From Bank Reliance to Private MoneyPivoting in Crisis: Facing the 2008 Market CollapseJay Conner faced a significant turning point during the 2008 financial crisis when traditional bank financing dried up. This unexpected challenge could have derailed his real estate business. Instead, Jay turned to private money—a strategy that fundamentally altered the trajectory of his success. Unlike conventional loans, private money involves borrowing from individuals with available capital under terms set by the borrower. This strategy not only revitalized Jay's business but tripled its size, illustrating the power of resilience and adaptability.The Importance of a Supportive CommunitySurrounding Yourself with Positive InfluencesJay Conner emphasizes the notion that one's "vibration" or energy is significantly influenced by the people around them. This idea aligns with Jim Rohn's wisdom that individuals are the average of the five people they spend the most time with. By building a network of positive, like-minded individuals, investors can maintain high energy and motivation, which is crucial in navigating the ups and downs of real estate.Trust, Vulnerability, and Resilience in Real EstateBuilding the Foundations of SuccessRandy Dyck introduces a powerful analogy of trust and resilience in real estate, likening them to a house's structural components. Trust forms the foundation, hope, and vulnerability of the walls, and the resilience of the roof. Jay Conner agrees with this analogy, adding that spiritual trust also plays a pivotal role. For real estate investors, establishing a strong foundation of trust can protect against inevitable market volatility and ensure long-term success.Strategy and Mindset: Key Ingredients to Real Estate SuccessMaximizing Returns in Property InvestmentJay Conner's real estate strategy involves precise calculations to determine the worth of an investment. Using private money, he typically offers up to 50% of a property's after-repaired value (ARV), which allows for purchasing and rehabbing properties without tapping into personal finances. For instance, for a property with an ARV of $200,000, Jay might offer $100,000 and borrow up to $150,000. This approach ensures that funds are available for unexpected expenses and repairs, emphasizin

***Guest AppearanceCredits to:https://www.youtube.com/@wealthjuiceofficial "Jay Conner's Blueprint for Making $78,000 Per Deal (Using None of His Own Money)"https://www.youtube.com/watch?v=jBUNCddrdKY In a recent episode of the Raising Private Money podcast, Jay Conner joins Cory Jacobson and Ryan Bevilacqua on The Weekly Juice Podcast, where Jay shares invaluable insights on private money lending and creative financing strategies that have propelled his successful career. This post delves deeper into Jay's methodologies, illustrating how real estate investors can leverage private money and unique financing options to thrive even in challenging market conditions.The Journey to Private MoneyReal estate can be both lucrative and challenging, often requiring innovative approaches to financing. For Jay Conner, this realization came when traditional financing avenues were abruptly closed off. In 2009, his local bank cut off his line of credit with no warning, prompting him to find an alternative to keep his business afloat.Discovering Private Money and Self-Directed IRAsFortunately, Jay's friend Jeff introduced him to the concept of private money and the power of self-directed IRAs. These tools enable investors to source funds outside conventional banking channels, essentially democratizing access to capital. Inspired, Jay researched how individuals could use retirement funds to finance real estate investments and began formulating a strategy.Establishing Trust Without DesperationOne of the key tenets of Jay's approach is the emphasis on trust. He advises investors to avoid discussing specific deals in initial conversations with potential private lenders. Instead, he focuses on educating them about the private lending program. This approach centers on building trust and interest without appearing desperate for money.Crafting an Attractive Lending ProgramWhen explaining his lending program, Jay shares specifics like interest rates, note lengths, and emergency call options with potential lenders. Offering an 8% annual interest rate—a notable increase from the usual 3-5% local CD rates—Jay makes a compelling case for investors. The program's clarity and attractive returns have successfully attracted 47 private lenders.Leveraging Connections and NetworkingJay's first significant success in raising private money involved an indirect approach. A trusted acquaintance, Wayne, helped him connect with investors interested in the higher returns offered by Jay's program. By leveraging Wayne's extensive local network, Jay was able to secure a $250,000 investment from a somewhat skeptical potential lender. This established a pattern for Jay, wherein he treated private lenders like a bank, setting clear, upfront terms for returns.Real Estate Projects and Profit StrategyJay's borrowing strategy also stands out as methodical and calculated. He typically borrows 75% of a property's after-repaired value (ARV), ensuring investments are backed by solid real estate. For instance, on a property with an ARV of $200,000, Jay might borrow $150,000, ensuring a $50,000 check at purchase, less closing costs. This method ensures profits upfront and upon sale, without initial personal fund investment.Combining "Subject To" and Private Money LendingJay has mastered the use of the "subject to" strategy, allowing him to take over existing mortgages without the original lender's consent while managing monthly payments. When combined with private money, this strategy allows Jay to finance repairs or cover back payments without using personal funds. This hybrid approach provides flexibility and liquidity,

Välståndet från stora teknologiska omvandlingar når de breda massorna först långt senare, säger ekonomipristagaren Simon Johnson, som också studerat kolonialismens följder för dagens ojämlika världsekonomi. Lyssna på alla avsnitt i Sveriges Radio Play. Vi möter Simon Johnson en mycket tidig morgon, dagen efter det stora nobelprisfirandet vid hans arbetsplats. I vad han kallar den mest annorlunda intervjusituation han varit med om berättar han om den surrealistiska upplevelsen när han först fick veta om priset, om sin nya hektiska tillvaro och om forskningen han belönas för. Johnson är en av tre som i år delar Sveriges Riksbanks pris i ekonomisk vetenskap till Alfred Nobels minne, ”för studier av hur institutioner formas och påverkar välstånd” som motiveringen lyder. Det handlar mycket om hur arvet efter den europeiska kolonialismen präglar ekonomin i världen idag. Britten Simon Johnson, nu verksam i USA, har också forskat och skrivit om de ekonomiska effekterna av de stora teknologisprången: den industriella revolutionen, digitaliseringen som pågått de senaste 50 åren, och nu även AI. Gång på gång har välståndet de skapar i första hand gynnat bara en liten del av befolkningen, säger han. Åk med när vi följer Johnson en liten bit på den veckopendling han gör med flyg mellan arbetet vid MIT Sloan School of Management i Cambridge utanför Boston och hemmet i Washington DC!Medverkande: Simon Johnson, Professor vid Massachusetts Institute of Technology, Cambridge, USA och mottagare 2024 av Sveriges Riksbanks pris i ekonomisk vetenskap till Alfred Nobels minne.Reporter: Björn Gunérbjorn.guner@sr.seProducent: Lars Broströmlars.brostrom@sr.se

Learn the six essential criteria for accurately determining ARV (After Repair Value) in this 15-minute highlight with Jake Leicht. Discover how to analyze comps effectively by focusing on recent sales, neighborhood boundaries, square footage, property characteristics, and more. Whether you're new to real estate or refining your skills, this episode will help you evaluate deals with confidence and precision. KEY TALKING POINTS:0:00 - The 6 ARV Criteria You Need To Look At1:18 - Comp Criteria 1: Recently Completed Sales3:41 - Comp Criteria 2: Within The Same Neighborhood6:01 - Comp Criteria 3: Similar Square Footage7:38 - Comp Criteria 4: Similar Characteristics10:45 - Comp Criteria 5: Similar Age13:23 - Comp Criteria 6: Reasonable Selling Time15:33 - Outro LINKS:Instagram: Jake Leichthttps://www.instagram.com/jakeleicht/ Website: Jake Leichthttps://www.theflipsecrets.com/exclusive Instagram: David Leckohttps://www.instagram.com/dlecko Website: DealMachinehttps://www.dealmachine.com/pod Instagram: Ryan Haywoodhttps://www.instagram.com/heritage_home_investments Website: Heritage Home Investmentshttps://www.heritagehomeinvestments.com/

Arv is the Director of Product at GroupBy. He is a passionate entrepreneur currently responsible for product management. Arv has over eight years of experience in the oil and gas industry, including five years with WorleyParsons.In This Conversation We Discuss: [00:45] Intro[01:21] Driving revenue with better product discovery[02:40] Scaling search for retailers with high SKU counts[03:31] Adapting to modern, conversational search queries[05:58] Better product details for user-friendly browsing[08:30] Avoiding AI errors with human-guided review[09:55] Guiding users with smart sorting options[11:46] Product variations using smart automation[13:02] Shopper trust through respectful customization[14:09] Automating reorders with helpful reminders[15:05] Preventing bounce rates with smart stock management[16:32] Clear shipping times to boost purchase confidence[17:11] advanced analytics for more effective action[18:34] Using best-in-class apps as your brand grows[20:17] Recognizing evolving trends in ecommerce technology[21:24] Product search with AI-driven recommendations[23:01] GroupBy for enhancing your retail experienceResources:Subscribe to Honest Ecommerce on YoutubeProduct discovery platform powered by Google Cloud Vertex AI search for retail groupbyinc.com/Follow Arv Natarajan linkedin.com/in/arvnatarajan/If you're enjoying the show, we'd love it if you left Honest Ecommerce a review on Apple Podcasts. It makes a huge impact on the success of the podcast, and we love reading every one of your reviews!

In today's Wholesale Hotline (Astroflipping Edition), Jamil is back with his annual comp update. Jamil introduces a refined nine-step process for comping properties accurately, with adjustments for changes in market trends and conditions. Show notes -- in this episode we'll cover: Importance of Recent Comps: Emphasizes using comps no older than 6 months and adjusting values when necessary to reflect market fluctuations and avoid outdated valuations. Staying Within Subdivisions: Advises against crossing major roads when pulling comps to maintain accuracy, as different subdivisions can have varying values and characteristics. Adjustments Based on Features and Market Context: Details how to account for lot size, zoning, property type, climate considerations, and specific market conditions like buyer sentiment shifts. ARV Calculation Strategy: Demonstrates finalizing ARV by considering all adjustments and factors, ensuring accurate property valuations for wholesaling and investing decisions. ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ ☎️ Welcome to Wholesale Hotline & Astro Flipping breakout

What did you think of todays show??How do you decide if you should buy a deal? This episode dives into the underwriting process of an eight-unit mixed-use property, breaking down financials like acquisition and rehab costs, projected rental income, taxes, insurance and more. Dylan also offers tips on financing deals, managing tenant turnover, and calculating key metrics like ARV, cap rate, and cash-on-cash return. Learn how to evaluate properties before you make your next investment!Learn more about the Collecting Keys SCALE Community! https://collectingkeys.com/scale/Check out the FREE Collecting Keys “Invest Anywhere” Guide to learn how to find deals in ANY MARKET Completely virtually (this is how we scaled to over a dozen markets)!https://instantinvestor.collectingkeys.com/invest-anywhereFollow 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

Join me as I share insights from my workshop focused on turning real estate investing into a structured and profitable business. I dive deep into market dynamics, building a strong buyers list, and implementing a systematic approach to deal acquisition.What You'll Learn:✔️ Market Insight Mastery: Understand key metrics like months of inventory and median price points to identify profitable deals.✔️ Strategic Buyer Arsenal: Learn how to build a robust buyers list through networking and social media.✔️ Actionable Advice: Always have your next buyer lined up before securing a deal and focus on market understanding.Join The FREE FB Group ( Daily Value, Weekly Live Trainings, Great Community)

Over the years, David Greene has perfected an incredibly efficient, innovative real estate investment system. Today, his team makes $250 million every year with it. David joins the show today to teach us his BRRRR system.BRRRR stands for Buy, Renovate, Rent, Refinance, Repeat. David walks through each step, emphasizing concepts like target-rich environments, the 1% rent rule, cash-out refinance, ARV, and inflation-protected assets. The episode is loaded with invaluable information from a guy who has seen and done it all in real estate investing. Take a listen, buy his book, and go build your own highly efficient system.Resources:Listen to The David Greene ShowRead “Buy, Rehab, Rent, Refinance, Repeat: The BRRR Rental Property Investment Strategy Made Simple” by David GreeneRead “Long-Distance Real Estate Investing” by David GreeneLearn more at DavidGreene24.comRead “Pitch Anything” by Oren KlaffPre-order the Millionaire Real Estate Agent Playbook | Volume 2Connect with Jason:LinkedinProduced by NOVA MediaThis podcast is for general informational purposes only. The guest's views, thoughts, and opinions represent those of the guest and not KWRI and its affiliates and should not be construed as financial, economic, legal, tax, or other advice. This podcast is provided without any warranty, or guarantee of its accuracy, completeness, timeliness, or results from using the information.WARNING! You must comply with the TCPA and any other federal, state or local laws, including for B2B calls and texts. Never call or text a number on any Do Not Call list, and do not use an autodialer or artificial voice or prerecorded messages without proper consent. Contact your attorney to ensure your compliance.Advertising Inquiries: https://redcircle.com/brands

Whether you're flipping houses or wholesaling properties, mastering the ARV and repair estimation process is essential for achieving success in the competitive world of real estate investing. So grab your notepad and join us as we guide you through The Ultimate Guide on How to Nail Your ARV and Repairs for Your Wholesale Deals!Join The FREE FB Group ( Daily Value, Weekly Live Trainings, Great Community)

In this podcast episode, we explore one of the most crucial tools for a successful eCommerce experience: your store's search function. Joining us is Arv Natarajan, Director of Product at GroupBy Inc. Arv shares his insights on improving search capabilities to enhance customer satisfaction and conversion rates. We discuss data catalog quality, the role of AI in search engines, and how to optimize merchandising with analytics. Tune in to learn how to boost your online store's performance with smarter search tools!Topics discussed in this episode:  Why improving search quality is crucial for ecommerce successHow product data quality impacts search performanceWhat advanced search capabilities like natural language processing can offerWhy analytics and understanding user search behavior is importantHow to balance AI-powered search with human curation and merchandisingWhat types of ecommerce businesses benefit most from advanced searchHow the search solution integrates with custom ecommerce themesWhat the future of AI-powered ecommerce search and product discovery might look likeLinks & ResourcesWebsite: https://www.groupbyinc.com/integrations/shopifyShopify App Store: https://apps.shopify.com/groupby-ai-search-discoveryLinkedIn: https://www.linkedin.com/in/arvnatarajan/X/Twitter: https://x.com/groupbyincGet access to more free resources by visiting the show notes athttps://t.ly/GECxQSign up for our free newsletter. Become a smarter online seller in just 10 minutes per week. The Ecommerce Coffee Break keeps ecommerce professionals updated with curated industry news, DTC insights, latest trends, and actionable advice. Perfect for anyone who wants to stay informed but is short on time. 100% free. Delivered every Thursday to your inbox. No Spam. Unsubscribe anytime. Sign up at https://newsletter.ecommercecoffeebreak.com Rate, Review & Follow on Apple Podcasts Enjoying this episode? Help others like you by rating and reviewing my show on Apple Podcasts! Your feedback supports more people in achieving their online business dreams. Click below, give five stars, and share your favorite part in a review! Click here: https://podcasts.apple.com/us/podcast/ecommerce-coffee-break-digital-marketing-podcast-for/id1567749422And if you haven't yet, follow the podcast to catch all the bonus episodes I'm adding. Don't miss out—hit that follow button now!

The “After the Fact” team provides data and expert analysis on the biggest challenges facing society today. We go behind the scenes with experts, examine solutions pointing the way forward, and feature people and stories that bring data points to life. What keeps you listening to the podcast? Tell us in a short survey at pewtrusts.org/podcastsurvey. Upon submission we'll enter your name to win a $100 gift card. The survey deadline is Sept. 15 so fill it out soon for your chance to win. Read the official rules for the “After the Fact” podcast giveaway sweepstakes here: www.pewtrusts.org/surveysweepstakes. *NO PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN. Open to legal U.S. residents of the 50 U.S., D.C. and Puerto Rico, age 18+ (19+ in AL and NE, 21+ in MS). Void outside the 50 U.S./D.C./Puerto Rico and where prohibited. Sweepstakes starts at 12:00:01 AM ET on [August 9, 2024]; ends at 11:59:59 PM ET on [September 15, 2024].  To enter, complete the survey below, provide all required information, and submit to be automatically entered with one (1) entry. Two (2) prize winners; total ARV of two prizes: $200. Odds of winning depend on the number of eligible entries received, Limit: one (1) entry per person. For full Official Rules, visit: www.pewtrusts.org/surveysweepstakes Sponsor: The Pew Charitable Trusts, 901 E Street NW, Washington, DC 20004.

When Jay Conner talks about making $155,140 in just five weeks using private money, he isn't spinning tall tales. Instead, he's sharing the transformative power of private money in real estate investing. Let's dive into the methods and strategies Jay employed to turn an ordinary deal into a goldmine.Finding the Perfect Deal: Leveraging Technology and Understanding MotivationsTo strike gold in real estate, you need to find the right deal. Jay's success began with pinpointing a motivated seller. He used Google ads to attract these sellers and stressed the importance of immediate follow-up in capturing potential opportunities. In this particular instance, Jay came across an oceanfront condominium located at 855 Salter Path Road, Colony by the Sea. The seller's motivations were clear: inheritance issues and impending foreclosure. Understanding these motivations allowed Jay to negotiate more effectively.With a realtor's help, Jay discovered the property's after-repaired value (ARV) was $600,000, while the seller asked for $425,000. This immediate gap presented a lucrative opportunity. Jay also found renovation costs to be relatively low at just $11,000 – making this deal even more enticing.Breaking Down the Numbers: Understanding the Financial LandscapeJay's approach to financing this deal was through private money. Here's a breakdown of the financials:  **Purchase Price:** $425,000 **Renovation Cost:** $11,000 **Realtor Fee:** $31,400Using his strategy, Jay borrowed $450,000 in private money, ensuring he had $25,000 excess cash at closing – preparing him for any unexpected expenses and enhancing his liquidity. Jay's golden rule is borrowing a maximum of 75% of the ARV, which, in this case, was sound due to the property's valuation.The Sale: Effective Marketing and Quick ActionsJay employed effective marketing strategies to elevate the property's appeal. Utilizing professional media including music videos and pictures, he implemented a 'coming soon' campaign to generate buzz and demand. The results were impressive. Though the initial offer came in at $615,000, a subsequent offer of $628,000 came through, which Jay gladly accepted.Within just two weeks of listing, Jay closed the sale at $628,000. Such quick actions and strategic marketing not only led to a profitable transaction but also underscored the importance of agility in real estate.Profit Calculation: Detailed InsightsWhen the dust settled, Jay's meticulous planning culminated in a substantial profit. Out of a closing sale price of $628,000, we subtract the: **Purchase Price:** $425,000 **Renovation Cost:** $11,000 **Realtor Fee:** $31,400Leaving Jay with a net profit of $155,140 – a testament to the power of private money and effective real estate strategies.Key Takeaways for Aspiring InvestorsJay Conner distilled his experience into five crucial takeaways for budding investors: **Consistent Advertising:** Continuously running ads ensures a steady stream of potential deals. **Readiness of Private Money:** Having funds readily available allows for quick, decisive actions. **Maintain Relationships:** Good relationships with a real estate attorney, realtor, and general contractor are indispensable. **Effective Marketing:** High-quality media and 'coming soon' strategies can significantly influence buyer interest and property value. **Education Through Challenges:** Participating in training programs, such as Jay's 7-day private money challenge (available at https://www.PrivateMoneyChallenge.com), can provide invaluable insights into attracting private money

Why are developers ditching California NOW? Is commercial real estate still struggling, and what's up with all those empty office buildings all over town? Does it seem like everyone is overpaying for properties nowadays? It's not just you; we've been seeing it, too, but there's a reason why they're doing it. Today, we're touching on hot topics from the BiggerPockets Forums and giving our takes on what investors are seeing in today's housing market. First, everyone has another reason to bag on California real estate as developers decide to move out of the state, thanks to rising construction costs, long permitting times, and bureaucratic inefficiencies. But in a state with such massive appreciation and high rents, is it really the right move to make? Next, we're back to the commercial real estate crash, specifically, the office investing space crash, as more and more buildings sit vacant. There's one way to solve this, and doing so could make you a LOT of money. Who's got the guts (and the money) to make something out of all those empty offices? Finally, we're discussing WHY investors commonly overpay for properties and how they may be making money EVEN when you think their offers are ridiculous. Do you have an investing question? Ask it on the BiggerPockets Forums!   In This Episode We Cover The developer departure from California and why builders are ditching the Golden State Changing regulations and how it's getting harder to build rental units  Office space's continued struggles and the one way investors can solve this problem Overpaying for properties and why investors commonly offer over the ARV (after repair value) How to audit your construction/renovation costs to know if you're throwing away money on your rehabs And So Much More! Links from the Show Ask Your Question on the BiggerPockets Forums Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE  Find an Investor-Friendly Agent in Your Area See Henry, James, and Kathy at BPCON2024 in Cancun! Henry's BiggerPockets Profile James' BiggerPockets Profile Kathy's BiggerPockets Profile A New California Law Just Increased Regulations On Home Flippers Real Developers Leaving California What Does the Future Hold for the Office Market? So many value add buildings selling at higher total project cost then ARV Grab Henry's New Book “Real Estate Deal Maker” Jump to topic: (00:00) Intro (01:14) Investors Quit on California  (10:11) CRE Continues to Suffer  (19:28) Overpaying for Properties? Check out more resources from this show on BiggerPockets.com and  https://www.biggerpockets.com/blog/on-the-market-241 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices