Podcasts about arv

DSCR refinance deals do not fail by accident. They fail because nobody stress-tested the numbers before the hard money loan was signed.In this episode, I break down a real Cleveland duplex deal. The investor maxed their hard money at 75% LTV. Appraisal came in $15,000 light. Reconsideration of value failed. Now their only exit is a sale. No DSCR refinance. No cash out. No options left.This is happening right now in markets across the country. If you are using hard money or bridge loans to fund your fix-and-flip or buy-and-hold deals, this episode is both your warning and your roadmap.In this episode:— Why 75% LTV kills your DSCR refinance before it starts— How a $15,000 appraisal miss wipes out every exit strategy— The 15 to 20% fudge factor every investor needs in their budget— Why you should never go above 65% LTV on any investment property loan— How to stress test your ARV before you sign anything— What to do when your comps do not match your lender's appraisal— Why multiple exit strategies are never optionalIf this saved you from a bad deal, share it with a fellow investor. More tools and resources at trutalk.co

I'm breaking down a wholesale deal in Ossining, New York that I thought I wholesaled for a good profit — until I saw what the buyer sold it for.   What you'll learn: -Why I underestimated the ARV and what it cost me -How to comp a property in a market you don't know well -Why you need to call 3-4 local agents before pricing any wholesale deal   Have a property to wholesale in the Hudson Valley, Seattle, or Delaware? 

Most agents can sell a house. Far fewer can tell you whether the numbers actually work. In this episode I sit down with Rachel Kokosenski, an investor-focused agent with the Smallegan Real Estate team in Grand Rapids, Michigan, who has built a business where 90% of her clients are investors, and she did it by learning to speak their language fluently.Rachel breaks down the exact math behind short-term rentals, long-term rentals, and flips, and explains why agents who don't understand investor math are leaving deals on the table, pricing properties wrong, and losing clients they never even knew they had. She also shares a contractor partnership strategy that lets her package and pitch deals to investors before a single offer is written.Inside this episode:The ARV formula flippers actually use and why most listing agents are pricing renovation properties way too highHow to analyze short-term rentals like a business, including the 60% occupancy rule Rachel uses for seasonal Michigan marketsWhy multifamily properties should never be priced like single-family homes and what happens when they areThe Tuesday Zoom and contractor walkthrough system Rachel built to source, evaluate, and pitch deals to her investor clientsHow joining a free local investor group and showing up consistently became her primary source of new businessWant to connect with Rachel?Follow Rachel on Instagram: @rachel_kokosenski Email: rachel@smalleganrealestate.com Website: smalleganrealestate.comIf you want to future-proof your business by learning how the biggest buyer segment in today's market actually thinks, this episode is required listening. Subscribe, share, and follow for more interviews like this.The Neighborhood Realtor is proudly sponsored by Treadstone Funding and Neighborhood Loans. For more tangible tips in real estate marketing, check out Matt's book, The Tangible Action Guide for Real Estate Marketing available on Amazon.

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On this episode of Zen and the Art of Real Estate Investing, Jonathan Greene shares a solo episode focused on the ethical way to wholesale real estate. Drawing from years of observing wholesalers in his New Jersey market and working with clients who have bought from them, Jonathan explains why wholesaling has such a poor reputation — and what wholesalers can do to change that. Rather than dismissing the business model outright, he offers ten guiding principles for building a wholesaling practice rooted in integrity, accuracy, and long-term thinking. Jonathan breaks down the mindset shifts wholesalers need to make to earn respect in the industry. He introduces his core philosophy: become a bridge, not a toll booth. Instead of positioning yourself in the middle simply to extract the largest spread possible, Jonathan argues that ethical wholesalers act as genuine conduits between sellers and end buyers. He also stresses the critical importance of knowing construction costs, understanding rehab estimates, and using accurate comparable sales rather than inflated ARV figures. Without those fundamentals, wholesalers cannot earn trust — or repeat business. The episode also explores the dangers of greed and impatience in wholesaling. Jonathan advises against swinging for the fences on every deal, encouraging a singles-and-doubles approach that builds credibility over time. He explains how rushing to lock up deals with unrealistic numbers ultimately destroys a wholesaler's reputation and limits long-term success. By focusing on smaller, more accurate spreads and building a reputation for reliability, wholesalers can attract serious investors who will buy everything they bring to the table. Throughout the episode, Jonathan challenges wholesalers to rethink their role in the real estate ecosystem. Rather than treating each transaction as a one-time payday, he encourages a relationship-driven model where transparency, competence, and fair dealing create sustainable success. The episode serves as a practical guide for anyone looking to wholesale real estate the right way — with integrity, skill, and a focus on serving both sides of the deal. In this episode, you will hear: • Why wholesalers should become a bridge, not a toll booth • How learning construction costs and rehab estimates builds credibility • The importance of using accurate, comparable sales for ARV • Why swinging for the fences on every deal undermines long-term success • How transparency and fair spreads attract repeat buyers • The dangers of inflated numbers and unrealistic expectations Follow and Review If you enjoy the show, please follow Zen and the Art of Real Estate Investing on Apple Podcasts and leave a rating and review. It helps other listeners discover the show and supports its continued growth.   Supporting Resources Connect with Jonathan: Podcast - www.zenandtheartofrealestateinvesting.com YouTube - www.youtube.com/JonathanGreenere Instagram - www.instagram.com/zenrealestateinvesting Instagram-  www.instagram.com/trustgreene Bigger Pockets - www.biggerpockets.com/users/TrustGreene Facebook - www.facebook.com/zenandtheartofrealestateinvesting Jonathan's Hub Site - www.trustgreene.com Brokerage - https://www.streamlined.properties This episode was produced by Outlier Audio.

Brent Daniels sits down with Tiffany High to break down the exact mechanics of transitioning from a stressed-out solo operator into a true business owner. They dive deep into the Five Stages of Business “Survival, Production, Momentum, Growth, and Pinnacle” and reveal why most wholesalers never escape the daily grind due to a lack of proper acquisitions onboarding and systems.Tiffany shares how she and her husband Josh adjusted their underwriting criteria to protect their flipping margins, why they exclusively use massive property management companies to turnkey their out-of-state rehabs, and the incredible success of their "Earn As You Learn" local meetups. If you are ready to stop winging it and start building a repeatable, scalable machine that generates real wealth, this episode is your masterclass. Be a part of the TTP training program now.---------Show notes:(0:00) Beginning of today's episode(1:05) Adjusting your underwriting criteria and buy boxes to survive shifting real estate markets(3:09) Why relying on a single exit strategy severely limits your long-term ROI(4:49) Launching an "Earn As You Learn" local meetup(7:13) How to reverse-engineer your marketing budget using specific data(8:46) Embracing hustle season when your monthly marketing budget is under $3,000(10:17) The Five Stages of Business and escaping the stressful Survival stage(11:09) Why treating your acquisitions training like corporate onboarding is mandatory(16:40) Entering the Production stage by successfully hiring closers and delegating all your administrative tasks to outside services(18:58) Safely turnkeying your virtual flips by leveraging large property management general contractor teams(22:39) Strictly flipping homes at or below the median zip code ARV(32:51) Transitioning your operations from the Momentum stage to Growth and Pinnacle stages(37:10) Breaking down the Results Driven REI two day virtual business immersion workshop----------Resources:Results Driven REITalkToPeople.comInstagram:@tiffanyhighofficialInstagram:@realbrentdanielsTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community  are endless, what are you waiting for?

Ungern inleder ett nytt kapitel där Orban-eran ska städas bort. Men hur gör man upp med ett auktoritärt styre utan att själv bli likadan? Lyssna på alla avsnitt i Sveriges Radios app. Medverkande: Pensionärsparet Ferenc och Ferencna Kovacs i Viktor Orbans hemby i Ungern, tv-tittaren Mario Szuts, medieforskaren Veronika Kövesdi, Istvan Bereznei, online-redaktör på Ungerns Publik Service, journalisten Samuel Pereira som var anställd på statliga TVP under Lag och Rättvisas tid vid makten, Maciej Czajkowski, programledare och redaktör på Polens motsvarighet till Rapport, Sandor Lederer som driver organisationen K-monitor som kartlägger korruptionen i Ungern, juridikforskaren Beáta Bakó, Daniel Tilles, redaktör på den polska nyhetssajten Notes from Poland och Polens justitieminister, Waldemar Żurek.Reporter i Polen: Östersjökorrespondent Felicia Hassan.Programledare: Filip Kotsamboikidisfilip.kotsamboikidis@sr.seProducent: Ulrika Bergqvistulrika.bergqvist@sr.seTekniker: Lisa Abrahamsson

Many investors get their OFFER PRICE completely wrong. Then they end up dropping the price, later or just walking away from the deal cause they can't sell the contract. In this episode, I break down three free Redfin numbers that tell you exactly where your market stands before you buy, before you list, and long before the panic sets in.You'll learn:What the median days on market number is really telling you, and why the investor who panics at day seven is burning money for no reasonThe list-to-sell ratio hiding inside Redfin that reveals what homes are actually closing at (not what they're listed at)The price band breakdown that shows which slice of your market is moving, and which is deadWhy checking this data when you list is already too late… and the one monthly habit that keeps you three moves ahead of every other investor in your marketKnowing your list-to-sell ratio keeps you from overpricing on the exit.But if your ARV was wrong before you bought, no amount of market data saves the deal.The upcoming Deal Analysis Workshop is where you fix that...Learn to run the numbers right before you ever make an offer:Register to our FREE Deal Analysis WorkshopLINKS & RESOURCES1,000 FREE Seller LeadsGet your first 1,000 seller leads FREE from our partner BatchLeads and start closing deals immediately. CLICK HERE: http://leads.getbatch.co/mztQkMr7 Figure Flipping UndergroundIf you want to learn how to make money flipping and wholesaling houses without risking your life savings or "working weekends" forever... this book is for YOU. It'll take you from "complete beginner" to closing your first deal or even your next 10 deals without the bumps and bruises most people pick up along the way. If you've never flipped a house before, you'll find step-by-step instructions on everything you need to know to get started. If you're already flipping or wholesaling houses, you'll find fast-track secrets that will cut years off your learning curve and let you streamline your operations, maximize profit, do MORE deals, and work LESS. CLICK HERE: https://hubs.ly/Q01ggDSh0 7 Figure RunwayFollow a proven 5-step formula to create consistent monthly income flipping and wholesaling houses, then turn your active income into passive cash flow and create a life of freedom. 7 Figure Runway is an intensive, nothing-held-back mentoring group for real estate investors who want to build a "scalable" business and start "stacking" assets to build long-term wealth. Get off-market deal sourcing strategies that work, plus 100% purchase and renovation financing through our built-in funding partners, a community of active investors who will support and encourage you, weekly accountability sessions to keep you on track, 1-on-1 coaching, and more. CLICK HERE: https://www.7figureflipping.com/runway Connect with us on Facebook and Instagram: @7figureflipping Hosted on Acast. See acast.com/privacy for more information.

It's a sister, sister special because Kalli is here! Our favorite gamer girl is back, and she's sharing an emotional update about the health of her beloved (and infamous) pup, Mukbang. Plus, Trish goes boots on the ground to investigate Bravolebrity Bethenny Frankel's shoe drama with another 'Real Housewives' star. And Trisha says a big 감사합니다 to South Korea for making her K-Pop debut an international hit.

This episode of The Kash & Dash Show — Unscripted with Ted Kaasch and Owen Dashner is a little bit real estate, a little bit family life, and a whole lot of “this is why business is never as clean as people make it look online.”Ted and Owen talk Mother's Day, Father's Day traditions, dad memories, old business cards, garage sale chaos, Goodwill debates, and the random things that make you realize life moves way too fast.They also get into the real stuff: insurance sticker shock, commercial property expenses, car wash surprises, water heater costs, and the brutal reality that owning real estate is not always passive income. Sometimes it is just expensive problems wearing a cute little “investment property” hat.The Golden Nugget in this episode is simple: don't fake the rehab number. If you are an agent bringing a deal to an investor, your job is not to guess construction costs. Bring the ARV, bring the comps, bring what you can visibly see the property needs — but don't say it needs $20,000 in repairs when it is really a $50,000 problem. Bad numbers kill credibility and can blow up a deal fast. Ted and Owen also talk about public speaking, Toastmasters, improving as a presenter, and what it looks like when a speaker truly moves a room. Ted shares a personal moment about the passing of Kyle Loftus from 1320Video and the impact Kyle had on Omaha and beyond.If you enjoy the episode, subscribe, leave a review, and check out The Kash and Dash Show on YouTube. You can Join the Omaha REIA - https://omahareia.com/join-todayOmaha REIA on Facebook - https://www.facebook.com/groups/OmahaREIACheck out the National REIA - https://nationalreia.org/ Find Ted Kaasch at www.tedkaasch.com Owen Dashner on Facebook https://www.facebook.com/owen.dashner Instagram - https://www.instagram.com/odawg2424/ Red Ladder Property Solutions - www.sellmyhouseinomahafast.com Liquid Lending Solutions - www.liquidlendingsolutions.com Owen's Blogs - www.otowninvestor.com www.reiquicktips.com Propstream - https://trial.propstreampro.com/reianebraska/Timber Creek Virtual - https://timbercreekvirtual.com/services/MagicDoor - https://magicdoor.com/reia/...

Jack Hoss is the owner of RealDealCrew and host of the RealDealCast podcast, with over 850 episodes recorded. In this episode, Jack breaks down how he flips houses in the Fargo/Moorhead market, how he uses AI to underwrite multifamily deals, and the local SEO strategy that keeps his business visible and competitive online. If you're a real estate investor, operator, or entrepreneur looking to put AI to work in your business, this one is packed with practical takeaways you can use right now. What We Cover: - Jack's house flipping approach in Fargo/Moorhead targeting 250-300k ARV properties - How he builds every deal around a 20% return target - Using AI to underwrite multifamily properties faster and smarter - The AI phone receptionist setup that handles inbound calls automatically - Google Business Profile and Bing Business Profile as a local SEO foundation - How Jack uses Claude Projects to get consistent outputs and avoid AI slop - Why he recommends Claude's Cowork feature and OpenAI Codex - Lessons from 850+ podcast episodes on what actually moves the needle Connect with Jack Hoss: RealDealCast Podcast:  @RealDealCast   RealDealCrew: https://realdealcrew.com/ Connect with Jason Fishman: LinkedIn: https://www.linkedin.com/in/jafishman/ Connect with Digital Niche Agency: Website: www.digitalnicheagency.com Subscribe to Test. Optimize. Scale. for weekly conversations on growth marketing, business strategy, and what is actually working right now. CHAPTER TIMESTAMPS 0:00 - Intro 1:30 - Meet Jack Hoss and Real Deal Crew 4:00 - House flipping in the Fargo/Moorhead market 8:30 - Targeting 250-300k ARV and why 20% returns is the number 13:00 - Using AI to underwrite multifamily properties 18:00 - The AI phone receptionist setup 22:30 - Local SEO: Google Business Profile and Bing Business Profile strategy 27:00 - Claude Projects and how to avoid AI slop 32:30 - Claude Cowork and OpenAI Codex recommendations 37:00 - Lessons from 850 podcast episodes 41:00 - Where to find Jack

Just as Colleen Ballinger was ready to return to VidCon with her sister, Rachel, Adam McIntyre called out the infamous YouTube convention to get 'em banned. Plus, Jeff Wittek settles his 5 year-long legal battle with David Dobrik, but at what cost? Was David innocent the whole time?

Máte radi podcast Nezhasínaj!? Dajte nám svoj hlas v súťaži Podcast roka 2026, kategória "Story" alebo "Miláčik". Hlasovať môžete do 31. mája. Ďakujeme vám! Hlasuj za Nezhasínaj! v súťaži Podcast roka 2026Jan Kefer – hermetik, astrológ a rešpektovaný učenec. Na rozdiel od Arvéda Smíchovského nikdy netúžil po moci. Veril, že skutočné poznanie človeka privedie k svetlu, nie k temnote.Je možné bojovať proti zlu inak než zbraňami? Kde sa končí poznanie a začína sa fanatizmus? A akú cenu zaplatí človek, ktorý sa rozhodne postaviť temnote?V druhej časti dvojdielneho príbehu Pražskí okultisti sa pozrieme na osud muža, ktorého neskôr nazývali Biely mág.Podcast Nezhasínaj! nie je vhodný pre poslucháčov mladších ako 18 rokov, ani pre citlivé povahy. PS: Báť sa je povolené!CREDITSScenár: Júlia OreskáNámet a dramaturgia: Diana KacarováHlas: Marek MajeskýZvuková produkcia: Miroslav BaričičPodcast produkcia: Simona Mičová

If you are struggling to get sellers to open up about their true motivation or asking price, this episode is exactly what you need. In the second half of this live lead conversion masterclass, Brent Daniels and Chad Coulter reveal the exact framework to dominate the Discovery Phase. Chad explains how a simple phrase like "Catch me up to speed" can completely lower a seller's guard and why having the MLS open during every call is non-negotiable for real time negotiations.You will also learn exactly how to handle homeowners who bought at the peak of the market, how to get past the "I have a number but I will not tell you" objection using a highly effective script, and why asking yourself "Would I buy this property" is the ultimate cheat code for unwavering confidence. Be a part of the TTP training program now.---------Show notes:(0:00) Beginning of today's episode(1:06) Why asking "Catch me up to speed" is a legit way to uncover a seller's true motivation(3:23) The true definition of a lead and why you shouldn't waste time on undecided sellers(5:06) The virtual deal process and comping properties for the acquisition team(8:49) Why having the MLS or PropStream open during calls is an absolute necessity(9:49) How to handle sellers with zero equity who bought properties at the peak of the market(13:30) Why short sales are positioned to make a massive comeback in the next few years(16:57) How to educate sellers on true ARV vs. Zillow price builds equity during negotiations(21:07) The exact script Chad uses to get sellers to safely reveal their asking price(23:11) Why asking yourself "Would I buy this property?" protects you from getting pushed around by cash buyers(30:04) Uncovering all decision-makers during discovery before ever making an offer(30:53) A sneak peek into the upcoming Rhino Tribe meetup on Tax Default and Probate deals(34:12) How to transparently answer the question, "Are you going to be buying the house?"(41:17) The power of role-playing and active listening to level up your sales game(43:49) Why you are the combination of the five people you want to be the most like----------Resources:US Lead List PropStream ZillowRedfinContact Eugene Latson at:(301) 541-7752@realbrentdaniels on InstagramTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community  are endless, what are you waiting for?

Most real estate investors aren't paying all cash.They're using bridge loans, fix & flip financing, and construction loans to scale faster and grow their portfolios.In this video, I break down:• Bridge loans• Fix & flip loans• Construction financing• How leverage actually works• What lenders look for• How investors scale into multiple projects at onceI also explain:• ARV (after repair value)• loan-to-cost• experience requirements• how investors recycle capital and scale fasterThis is the strategy many experienced investors use to grow without tying up all their own cash.

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The Future of Real Estate Is AI | Matt Shepard explores how Matt is leveraging artificial intelligence to completely transform the way real estate deals are analyzed, designed, and executed. In this episode, he breaks down how AI can create property plans, speed up permitting, and simplify investing, while also sharing his journey from buying foreclosures after the 2008 crash to building a multi-market portfolio. He also dives into managing rentals remotely, common investor mistakes like overestimating ARV, and why hustle and clarity are what truly separate top investors. _______________________________ If you want to learn how to run your business in 5 hours or less.... Go to https://www.5HourBusiness.com Subscribe to my YouTube channel:    / @tonyjavierbiz And if you're into flying and want to follow my Aviation journey, check out my other YouTube channel at    / @tonyjaviertv  _______________________________ Follow me on Social Media: Tiktok -   / tonyjavier.tv   Instagram -   / tonyjavier.tv   Facebook Personal -   / tonyejavier   Facebook Business -   / realtonyjavier   ________________________________________ If you want to dominate your Real Estate Market with TV commercials, go here: https://www.ClaimMyMarket.com If you want to connect with me and my network, go to https://tonyjavier.com/connect If you want to check out Tony's Real Estate Resources and Vendors go to https://www.TonyJavier.com/resources ________________________________________ Tony is the owner of an INC 5000-rated Real Estate Investment Company. He has been featured in Bigger Pockets, Wholesaling INC, Steve Trang's Real Estate Disruptors, Joe Fairless' Best Ever Podcast, and many other top podcasts and platforms. When Tony is not working on his business, he enjoys flying his plane. You can see videos on that and how he uses airplanes to save money on taxes. Don't forget to like the video, comment, subscribe to my channel, and share this with a friend if I'm doing my job and providing value to you and your network. If I'm not doing my job please let me know in the comments how I can be better, your feedback is greatly appreciated. See you in the next video!

Most people think SB 9 explained means understanding a law. What it actually means is understanding why you might be sitting on $400K in land value and not even know it.My guest Eric Paul Escobar, CEO of Esco Builders, has actually completed an SB 9 lot split in Downey, California. Not theorized it. Not coached about it. Done it. It cost $50,000 and produced a back lot worth $300K to $400K. We break down exactly how that happened and whether it makes sense for you.Here is what we cover:✅ What SB 9 explained really looks like when someone builds it from the ground up, not just how the law reads✅ The difference between an SB 9 unit vs ADU when it comes to appraisals, ARV, and refinancing, and why this matters more than most investors realize✅ The full SB 9 permitting process step by step, surveyor, architect, planning department, civil engineering, county recording, and permits in the right order✅ Why the lot split process steps California investors need to follow are different in every city and why getting that information in writing is non-negotiable✅ How to subdivide land in California using SB 9 with or without a lot split, and which lot types give you the best shot✅ The honest truth about ADU vs duplex investment value when it comes to comparables and what lenders actually look at✅ Why very few people are doing lot split California real estate deals right now and what that means for the investors who are willing to be patient✅ How Senate Bill 9 California real estate law stacks with ADUs to get you up to 4 units on a single family lotThis is not beginner content. But if you are ready to go deeper than ADUs, this is where the real land value is being created right now.

Máte radi podcast Nezhasínaj!? Dajte nám svoj hlas v súťaži Podcast roka 2026, kategória "Story" alebo "Miláčik". Hlasovať môžete do 31. mája. Ďakujeme vám! Hlasuj za svoje obľúbené podcasty z dielne Bauer Media Svet podcastov v súťaži Podcast roka 2026Praha medzi vojnami bola mestom tajomstiev, hermetikov a ľudí, ktorí verili, že pomocou mágie dokážu meniť realitu. V jej temných zákutiach sa pohybovali okultisti, alchymisti, mystici aj fanatici. Medzi nimi vynikal muž, ktorého prezývali Malostranský diabol – Arvéd Smíchovský.Vzdelaný, charizmatický a posadnutý zakázaným poznaním. Túžil po absolútnej moci nad vedomosťami, ľuďmi aj vlastným osudom. Jeho život sa preplieta s nacizmom, udavačstvom, okultnými rituálmi a nebezpečnými hrami s temnotou.Kto bol muž, ktorý tvrdil, že sa rozpráva s démonmi? Prečo sa okolo neho začali objavovať zvláštne úmrtia, udania a strach? A čo sa odohrávalo v jeho tajnom oratóriu pod pražským domom?V prvej časti dvojdielneho príbehu Pražskí okultisti sa pozrieme na zrod jednej z najtemnejších postáv českých dejín.Podcast Nezhasínaj! nie je vhodný pre poslucháčov mladších ako 18 rokov, ani pre citlivé povahy. PS: Báť sa je povolené!CREDITSScenár: Júlia OreskáNámet a dramaturgia: Diana KacarováHlas: Marek MajeskýZvuková produkcia: Miroslav BaričičPodcast produkcia: Simona Mičová

Arv kan som kjent være på godt og vondt, men hva med gjør man med alle tingene når foreldre/besteforeldre fortsatt lever, men ikke kan bo hjemme lenger? Dette er temaet for denne episoden.

Arv! Om økonomi ikke var tabu nokk allerede så har vi temaet som folk kvier å snakke om!Episoden er litt blandet drops rundt hva det er, mine tanker rundt det, hva man burde tenke på og kanskje noen praktiske tips å plukke opp!Høres det spennende ut? Sjekk ut dagens episode!Hva er det du venter på? Press play! Hvordan starte med fondsparing på 10min! (Video)Anonse - VervelinkerKron vervelink, begge får 200,- Vervekode: STOLE FIRE miljøet:F.I.R.E. Norge | FacebookFIRE DiscordSong: Pulsar Sound - Digital Corporate TechnologyMusic provided by Tunetank.Free Download: https://tunetank.comSee omnystudio.com/listener for privacy information.

Keith explains how to increase real estate cash flow by appealing and reducing property taxes.  Then welcomes high‑energy real estate investor and educator Thach Nguyen.  Thach shares his refugee‑to‑multimillionaire story, breaks down his roadmap to retiring with rentals, and explains how ADUs (Accessory Dwelling Units) are transforming both investor returns and affordable housing—especially in Seattle. Resources: Follow @ThachNguyen on Instagram and all major social platforms. Episode Page: GetRichEducation.com/602 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. 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— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, talking about how to increase your cash flow by obtaining a successful appeal and reduction in your property taxes. Then real estate personality Thatch Nguyen and I discuss mindset and some creative real estate techniques today on get rich education,   Keith Weinhold  0:23   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 1  0:57   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  1:13   Welcome to GRE from Mount Holly New Jersey to Hollywood, California and across 188 nations worldwide. I'm Keith Weinhold. This is get rich education, and I'm still not wearing Dockers, and I am in Hollywood, California today. More on that later. Among all the major investment classes when it's bought right real estate is the second safest investment class to bonds. Bonds are the safest among them all. Real estate has the highest returns, so it's the second safest and has the highest returns. And that's why it's our focus on this show. But if you want to be in real estate for two years or less, well, then it's likely best to invest elsewhere, at least with long term rentals, because you need time to defray your transaction cost. And for real estate pays five ways to start compounding. Coming up shortly, it's pretty popular real estate personality Thatch Nguyen. He will be here, and I did not know Thatch until recently, when we were introduced by our mutual friend Scott Saunders. And Scott, who I had on the show here a few years ago, is one of the nicest guys you'll ever meet in real estate. Well, besides those high return, low risk real estate attributes. Of course, when you own property directly, you also get a big measure of control if you want it. Now, control comes really with that option A lot of times to get involved and make your real estate investing less passive, just an option, because successful real estate can be as simple as buy and hold, but today we're discussing strategies. If you want to get a little hands on, if you so choose, you can attempt a successful appeal of the amount of property tax that you're paying. And of course, every dollar that you lower your property tax is $1 where you increase your income. And this feels like a germane conversation, since tax day in the USA was just last week. Ah, yes, property tax, hmm, it's like a version of the government charges you rent on your own property in perpetuity. That's what it is. And before I get into how to potentially get your property tax lowered, property taxes are under pressure. Some states are still making their serious push to completely eliminate the property tax, namely in Florida, Texas and Indiana. Those are three of the front running states, probably the big three. And I won't get into all of that again, because I devoted an episode segment to that topic a few months back. Others are considering elimination too, Georgia, North Dakota, Pennsylvania, Ohio, Oklahoma, South Dakota, but it's just more talk than anything in those six states. Now, if a state undertook property tax abolition, it would probably only apply to owner occupied property, homeowners or voters, and those property values would soar. But these new comparables, what they could do, in turn, is lift the value of your out of state rental property as well, because you could always sell your investment property to an owner occupant. But in my opinion, no state is going to eliminate the property tax. I mean, sheesh, it's kind of like trying to eliminate gravity. It's just too hard to replace the revenue from elsewhere. Schools, police and fire and infrastructure heavily rely on property tax, so instead, what's realistic is a tax cap, a ceiling on the amount of property tax that you pay, and with an income producing property of course, your tenant essentially pays the property tax for you now, even before buying a property or for one that you already own, the most accurate way you can check the tax amount for your exact address is on the county assessor's website.    Keith Weinhold  5:38   The next best places are listing websites like Zillow and Redfin. This is all public information. The way to find a county assessor's website for your property is with a simple four word search. What you should google is the county name, and then the words assessor property search, those are the only four words that you need. And then what if you discover that you're paying more than you are for nearby, similar properties? Oh, well, there we go. That's a sign that you're over paying. You can usually file an appeal form at the same website. And before we talk about how to do it, realize that only about 5% of property owners ever file an appeal, and in a bit, I'll tell you what your percent chance for success is at lowering your property tax, your chances of it being lowered. So if you believe that you have a case for lower property taxes, first, it helps to know what you're arguing. And this is important, it's something that can trip you up. You're actually not arguing that taxes are too high. You're arguing my property is overvalued compared to the market. That's it. That's your basis of contention. Yeah, if you walk in talking about things like fairness or inflation or government spending, then you've already lost the county assessor's office isn't the place for your best rant on how fiat currency is garbage or something like that. Now you might not even have to physically walk in anywhere today. Sometimes you can get your appeal rewarded informally. Other times you go before what's called a Board of Equalization in most places and in person, hearings have become less common. Video calls have become quite a bit more common since the pandemic, but you want to review your property details with them. You want to be sure to point out if there's incorrect square footage or the wrong lot size, or missing depreciation, or condition issues or upgrades that are overstated and even small errors can swing your value by 10s of 1000s of dollars and then, and it's whether this is with rental property or with your own home build your comparables Like an investor, not a homeowner, because this is really where you win or lose. You need three to five strong comparable sales in the same neighborhood, or really close ones that sold recently, ideally within the last six months, and they should be of a similar size and age and condition. And then make adjustments. Inferior comps support a lower value. And we don't just want to cherry pick garbage comps. We want to keep it credible, and then for your best chance of getting your property tax lowered, find your angle, and really this is your leverage point. Most winning appeals hinge on one clear argument, either a condition gap, meaning that your property is worse than the comps are, or it's an argument like market timing, and this is if values have softened since the assessment date, or the income approach for rentals. Therefore it's the value based on noi, not emotion. You could take that track or other external issues like noise or location drawbacks or obsolescence, so only pick one of those four primary arguments here, condition, gap, market timing, the income approach or external issues and document everything. This is really where you separate yourself. You want to show photos and have them dated and be clear and honest. Nothing dramatic there repair estimates or contractor bids, inspection reports, rent rolls or income statements. So you're not telling a story. You're presenting evidence this way, and be sure to package it cleanly. This matters more than you think. Assessors see sloppy appeals all day. So you're going to stand out by being organized and concise, like a one to two page summary and some exhibits, and keeping it professional meaning, no emotional language, so you're making it clean and easy for them to agree with you, and this is the place to be. Calm and not combative. It isn't a debate club. It's the right form to be respectful, stick to facts, not interrupt and not get defensive, because the person across from you, they actually did not set your rate, they didn't set your tax rate, they're evaluating your evidence, and then it's helpful for you to know the likely outcome. You don't need a gigantic win, even a five to 10% reduction, that can mean 1000s saved over your life of owning the property. You want to remember that some jurisdictions are more flexible than others, and if you're denied informally, like just doing it online, then you can often escalate your property a tax appeal to a board review. And this is a long game, not every swing is going to end up in a base hit. Investors have an advantage. If you own rentals, you've really got a stronger argument, because you can use that income based verification like cap rate and noi, you can show actual rent versus market rent, and you can highlight your expenses, and assessors often default to sales comps. So this is how you can shift the frame here. The blunt truth is that when people lose appeals, it's usually because they show up unprepared, or they argue emotionally, or they just don't understand valuation. And so this is one of those rare moments where being methodical is actually better than being smart. 40 to 60% of property tax appeals succeed nationwide, and with professional level prep, you can make that 70 to 80% for a success rate, and the typical result if you win is a 10 to 15% reduction in assessed value. So that can be worth doing. And you know, just like buying your first out of state rental property seems to be the hardest. Making your first property tax appeal seems to be the hardest as well. And there you go a way to reduce your expenses and increase your cash flow. Yes, I am in LA today, West Hollywood, California. Though I do expect to produce some real estate media here. That's not the typical Hollywood type filmmaking that I'm doing, I just happen to be staying in Hollywood, although I do plan to run up to the Hollywood sign and do some fun stuff out at Venice Beach. Later next week, I will be in Las Vegas, and will probably even bring you the show from the Bellagio with a view of the Bellagio fountain. As for this week, let's meet our guest.   Keith Weinhold  12:49   This week's guest has an amazingly powerful story. Today. He's quite well known in real estate circles for his high energy in person events, but he came to the United States as a Vietnamese refugee, experienced homelessness early in life, and went on to build a real estate portfolio valued at over $100 million I'm not making light of the fact that he's homeless. Once I started talking about this, he kind of, you know, beat his chest a little bit. He's a high energy, playful guy here, but he's completed more than 1000 real estate projects and transactions through his mentorship program, he's helped 1000s of people build long term Real Estate Wealth with his platform, it's called springboard to wealth, and along the way, he's built a strong audience, with 1.4 million followers on Instagram. Hey, welcome to the show Thatch Nguyen.   Thach Nguyen  13:41   I'm honored to be here, my man, I'm honored   Keith Weinhold  13:43   to hear, Oh, it's so good to do it Thatch. And before we're done, we'll discuss some actionable tactics. But first, that is just an amazing story to have started from homelessness. I guess I'm most interested to know what you would identify as kind of that turning point from destitution to success. Talk to us about that.   Thach Nguyen  14:03   You know, coming from Vietnam, we was a refugee. We left out of the last plane. My dad was a translator for the US Army. Back in the days, military pulled out of South Vietnam during the war, they asked my dad, would you want to leave with us? And so we decided to leave. But of course, my dad, the owner, who actually spoke some bit of English. None of us didn't speak no English. We only had $100 one suitcase for eight of us, gosh, and I was five years old. But if my dad didn't leave, he would have been captured, and then he would have been killed. Because you work for the US government, because it's still, you know, is a communist country, right? And so we left, we came over here, we landed in San Diego, lived in the shelter out there, and then we moved up to Washington State, Seattle, and lived in a shelter there for a few months. And then finally, we lived in a sponsorship house, right, with a guy named Charles Zettler. I graduated from high school in. 88 I went off to fix aviation airplane my two older brother, because they in the aviation business. And then I got a job working for Alaska. But I didn't want to leave to Denver to go work out there, so I decided to stay back. And I went to work at, you know, like, odd job, like at a body shop. I was the dairy manager at a grocery store, like, called Ralph. Was called Safeway, and I was parking car in Chinatown. And I think the pivoting point was, I'm sitting there, and one of my friends says, you know, you would do very well in real estate, yeah, because you have a good energy, you have a good mouthpiece, I think you do well, see, but I didn't hear all that. I heard you get 7% commission checks. Oh, Sign me up. You know what? I think, but I didn't realize quickly, selling real estate, you don't make that kind of money unless you do a lot of volume. I got to real estate. I started doing well in real estate as a agent. But the tipping point, I think, for me, was a mentor named Saul. And Saul said to me, Keith, I know you appreciate this. He said, You can be rich selling real estate for the rest of your life. Yeah, you'll never be wealthy unless you own the real estate, right? And that was the light bulb that came off of me that I need to take the money I make from selling real estate to then Park the money in long term rental. But I didn't quit my real estate. I just bought real estate, rented it, let it ride. And I just kept selling real estate for years. And at the moment I made, the more property I bought. The moment I make, the more property I bought. And then from there, I just start to learn new construction. I start to learn fix and flip. I start to learn about the BRRRR strategy. And then today, you know, we're going to talk more about this. But today, the hot thing is adu and accessory dwelling unit, and that's what I do a lot today is a lot of new construction, a lot of ADUs.   Keith Weinhold  16:49   Oh, that's great to hear about your come up. Fetch, yeah, I find it remarkable, too, the amount of people that are in the real estate industry, and they're doing something adjacent to being an investor, which I think is the best place to be. For example, they're a property manager, or they're a mortgage loan officer or the real estate agent, but yet they don't own rental real estate, right? They're so close. How could you not be doing this?   Thach Nguyen  17:13   And I say today, because I understand this. Now, if you don't take the active income you make from whatever you do, say, as a real estate agent, then you always trading your time for money for the rest of your life, and you're always on that treadmill and that grind, but you can't get off, because the moment you get off, Keith, you got no income, and you got no passive income either. So you're stuck on this wheel like a hamster that you got to keep running until you old and die.   Keith Weinhold  17:40   Well, you know, it's unavoidable to talk about you've got the word mindset on big letters on a hooded sweatshirt that you're wearing right now, so, you know, I think you're touching on it somewhat. But yeah, talk to us more about this mindset and how to break through the barriers. Because most people's connotation with income is merely that they have got to trade their time for dollars.   Thach Nguyen  18:01   Of course, you know, mindset is 80% of the result that we want, that we get. Because someone could have a mindset to go, I'm going to be the top real estate agent, and that mindset would drive them to be the top agent for many, many year. But they always trade their time for money so they never get wealthy. I have that mindset because I was selling 100 homes a year in my early 20s. But when Saul said to me, you know one day that when you get into your 40s and your 50s, do you want to keep trading time for money, or do you want to trade your money for time? And see, that's a mindset shift. And of course, who want to be in their 50 Keith with a gun in their head, always trading time for money. And so when I heard that, it shifted the mindset to, you know what, I'm going to make money selling real estate because I need that money, then I'm going to take that money and park it into a rental. So when I get into my 40s and my 50s, I have the option to work or not work, and that was a mindset shift. So owning rental property is a mindset more than a strategy.   Keith Weinhold  19:08   I and I think a lot of us, came up with the mindset that, oh, you get wealthy by obtaining a high salary, and then no later, you learn you don't get wealthy through high salaries, especially if wealth equals freedom, you get wealthy through owning assets. So Thatch after you know your homelessness, and you're new to the United States, and you've come up like you described, and you realize that real estate is the way in doing it with a relative amount of passivity, rather than actively being in it as a realtor, you sort of get this roadmap for retiring with rental properties, even from starting at zero like you did. So tell us more about that roadmap to retire with rental properties.   Thach Nguyen  19:47   You know, when I started, I had this roadmap where you got to learn what you need to learn about real estate investing, what why do you want to own it? What's the benefit? What would it do for you? At the end of the day, and a lot of that is goals and vision and mindset. For me when I got clear Keith on the knowledge, because I start off with knowledge. And of course, I want to own real estate. But here's the thing I always want to say to people, nobody want to own real estate. Just to own real estate, right? They want to own real estate. So what it would actually do for you. And so for me, I think when I was younger, I was counting the doors, but now I got older and wiser, I count the hours I get to have back. So the mindset for me is that when I got clear what I wanted to do was I wanted, you know, the option of working at work, that I also wanted to retire my mom, my dad, right? And then I also wanted to actually help my kids learn how to do this one day, so that they have the same mindset. So those are the reason I in want to invest in real estate. Of course, have an asset, have a net worth, come along with a secondary so once I understand the knowledge of why I'm doing it, I got this clear vision. I got this horizon. Now I'm inspired to actually go out there and take action. Now the action is, what do I want to buy for me? I started with single family. I started with buying ugly houses and rehabbing and keeping it, and then worked my way into multifamily and apartment building, all doing value add today. So those are my action, right? So I'm inspired. I take the action, I make money doing what I'm doing. But then I asked myself, How many property do I need? But it's not even how many property I need. How much passive income do I need to get out of the rat race? I have the option of working at work. For me, when I was like, 21 years old, I said to myself, I have $30,000 a month in passive income, and I'm debt free. I mean, who couldn't live off 360,000 of you debt free, right? Yeah. So I had to go to go after so many doors based on what the rent is, to accumulate it and then to pay them down so I can be out of the rat race as soon as possible. And once I did that, then I started playing the game accumulation again. So today I have a whole set of properties paid off. That's why I have over 100,000 a month in passive income. But I also got a whole bunch of property paid off yet, which I don't care, because this ought to get paid up by itself anyway. But now I'm playing this game where I'm gonna accumulate more property or trade up at the same time pay down other property I want to pay off, so that when I get into my 60, my 70, a lot of it paid off, and I still got other property. I don't know. I don't mind accumulating, because I love to play the game of real estate. So this is the road map that I you know, that my mentor saw. He's a very wealthy Jewish man that taught me. And today I'm just taking that lived it my own life now I'm just sharing it back to other people   Keith Weinhold  22:42   that you said so many interesting things there. I think the most is how you talked about your metric is more outcome based. I think we all think through how many doors we have, and you know, even how much passive income that translates into, but you talked about how many hours you're able to win back way that you can quantify that.   Thach Nguyen  23:05   If I ask someone, I go, Hey, how much does it cost you to live personally every month? And most American will probably say, 10,15, 20,000, Max. And I said to them, what have you had that much in passive income? How would you feel? And 99.9% of it were like, my god, that will be amazing. But the problem we all go to the seminar, we see people on stage. They got 100 doors, 200 door. They got 1000 doors. And nobody needs that much to get out of the rat race, right? So I say the most American is, look how much it costs you to live. Look at the lifestyle you live. You have that in passive income, and if you choose to keep working in active income, it's just a cherry on top of the cake.   Keith Weinhold  23:47   Yeah, there are so many ways to do it. We talk here about being financially free rather than debt free, and sort of letting leverage and inflation in tenants work to our benefit. But you've got this separate way of doing it. You're listening to get rich education. We're talking with real estate, personality, Thatch Nguyen, more when we come back, including some actionable tactics. I'm your host. Keith Weinhold,    Keith Weinhold  24:09   let me throw out a simple idea, sometimes doing nothing with your money is actually a decision. Leaving it parked might feel safe, but over time, purchasing power changes. So the conversation isn't about chasing returns, it's about intentionally placing money somewhere. Freedom, family investments works in real estate people use every day. Housing, senior communities, essential properties, things tied to living and not trends. Their freedom notes offering is built for accredited investors looking for structured income backed by real assets, not speculation. I am an investor with them myself. The Freedom team makes themselves available to walk through their approach, structure and operating philosophy so you can ask questions and determine. Alignment before moving forward, while past performance doesn't guarantee future results, their historical operating philosophy has yielded 100% investor payouts backed by over 20 years of experience. If you want clarity before making any moves, book a clarity call@freedomfamilyinvestments.com or text family to 66 866, text the word family to 66 866.    Keith Weinhold  25:31   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721 the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre,   Caeli Ridge  26:09   this is Ridge lending group's president, Shaylee ridge. Listen to get rich education with Keith Weinhold, and remember, don't quit your Daydream. You Keith, welcome   Keith Weinhold  26:27   back to get rich Education. I'm your host, Keith Weinhold we're talking with Thatch win real estate personality, and you know Thatch, on the way up, you've really employed a lot of methods. You're knowledgeable about House hacking and burrs and small multifamily in ADUs. ADUs is something that we haven't talked about here very much. And for those that don't know what that is, we're talking about an accessory dwelling unit, right? Typically, a secondary housing unit on the same lot as a primary residence. You can sort of think of it like a backyard cottage in a lot of cases. So tell us Thatch, what got you into ADUs,   Thach Nguyen  27:03   well, Seattle, about five years ago, was one of the first city and state to adapt this Adu, because the biggest problem we have across America is affordable housing, yeah, and a shortage of housing, let alone a shortage of affordable housing. So Seattle came up with, Hey, we will let you. Got built an accessory dwelling unit in the backyard, maximum 800 square feet, but you have to live in the front house to build the back house. Okay? People got excited. They built it so they can rent it in the back. They live in the front house. But then that didn't really solve as much affordable housing for you to buy. It helped with rental. And then about a year, you and a half later, they came over stage shoe to go, you know what? We're gonna allow up to 1000 square feet of adu. But you don't have to live in the front to build the back. Now, people got excited. Investors go, Oh my God, let me go buy a property. Let me go build something. Rent both of these out, right? And then if they want, they could sell the whole entire piece, you know, with somebody, and that was great, but it still wasn't enough. And then about a year you'd have, later, they came up with stage three. They go, You know what? We want to help create more housing for you to buy. So now what we're going to deal with, we're going to actually give people separate APN tax number for the house in the front and the adu in the back, so you can sell off any one of the and by doing that, they value the house as a single family, and they value the back as a single family, so they can comp it like a house, not as a duplex. And that blew the lid off. I mean, in Seattle, that was a game changer. I mean, like builders started coming in, they're buying property. They they building and they selling these. They're making a killer on it. And then show you how much crazy it is. Okay in Seattle, if you buy the house in the front, you gotta get the land the back freak, because it came with the house. We could build 1000 square foot all in it cost us about $400,000 but with a separate parcel number, they comp it as a regular house. So regular houses right about 1000 square feet, they sell for about $700,000 so you build for four is worth seven, and you can actually design it in four months. Get permit, because they have a special line for adu. And then you can build this. You can actually have it all done in one year. So you instantly create massive equity in one deal. But here's a beautiful part of it. In Seattle's expensive city, it's hard to get the 1% rule. You know the 1% rule with, you know 1% of what you pay for a property, a $200,000 house, you get $2,000 for rent with Seattle, a $700,000 house, you get 4000 but the Adu, it only cost us 400,000 but it's worth 700 but my mortgage is based on 400,000 I can write it for four grand, and I meet the 1% rule Now   Keith Weinhold  29:52   a way to recent rent to value ratio, right?   Thach Nguyen  29:56   So now Adu, they are all. All across America, because two years ago, all the city planners and all the people for other state they came to Seattle for a private, hush, hush meeting to ask Seattle How you guys doing this, and so they can go and copy. So in the last two year, Adu has spread across America like wildfire.   Keith Weinhold  30:19   This is great. Tell us more. And of course, it's going to depend on a lot of factors, but tell us more about that cash on cash return that you're getting after stabilization with an adu.   Thach Nguyen  30:29   Yeah, it's beautiful. So when you have a property that's worth 700 and it only costs you 400 it has so much equity, the bank will finance 100% of the construction cost, so you don't have to come up with no money. Great. So then if you finance 100% which is 400 right, 400,000 the mortgage only three grand, and you ran for four in Seattle with making positive cash flow with zero down payment. So that's infinite return on your money.    Keith Weinhold  30:56   Yes, that's a really beautiful thing to get the infinite return when you don't have any equity left in That's right?   Thach Nguyen  31:03   And the thing is, people can do that across America now, but most city right now on stage two, they don't have the APN. But right now, a lot of city right now are on the verge of going from two to three. Right now, I've been going out there buying home that you could actually Burr, make the house in the front. Work make a cash flow. Have the backyard sitting there, and then you can build it anytime. You can build it now, just for the cash flow. Or you can build it when you get the separate APN. So you can get two separate parso You can sell one, keep one. But bottom line is, if I was anybody out there, I'll be buying property. Now, make it work like you would already be buying, but just make sure you get a backyard so you have access to the back.   Keith Weinhold  31:46   Okay? So in some situations, using the burr strategy on the primary residence with an adu, burrs, buy, renovate, rent, refinance and repeat, beautiful.   Thach Nguyen  31:55   That's what I call the atomic bomb, the burr. Add the adu to the back. Boom. But I'm gonna give your audience something that they can even look forward to. Seattle in November of 2025 this went into stage four. Now in stage four, single family in the front, if the lot's big enough, you can put instead of one, you can put 234, or five property in the back, if the lot's big enough.   Keith Weinhold  32:23   Yeah, this is great. I mean, it solves the problem of affordable housing, and it increases the density in a lot of these metro areas. Yes, right, Thatch, it sounds like Seattle's having a good deal of success with the ADUs. How is that when you extrapolate it out nationally, and are there regulatory bottlenecks out there.   Thach Nguyen  32:40   The only bottleneck right now is most people right now are in state two, where they can't separate it. So if they buy a burr, they can add the house in the back. They just have to be able to comp it where there's a house and another house in the back. So what they do is they look at two different type of comp. They look at, what does it duplex sell for in the area? They could use that as a comp. Or if this is a 2000 square foot home, and you got another 800 square foot, what's a 2800 square foot home is going for? Because they can be added this to the main house, so they can create the ARV. Does that make sense? Yeah. And the only challenge, challenging is that a city that's new, they have to use comp like duplexes and square foot. It to come up with the ARV.   Keith Weinhold  33:23   That's really good. Okay, so Seattle's had these four phases of ADUs, if you will. And then what's next for ADUs?   Thach Nguyen  33:30   I think what's gonna happen after phase four is that all these single family one day will all go to multifamily. It's already in multifamily. You got a single family in the front. You can build three in a back. They're all three single family. But technically it's multi unit, right? It's called multi unit, but it's still on single family zoning, because, you know, the bulk of the real estate where I still have land, or the residential, because most commercial, you and I know, they built out on all the land on the lot, so the biggest portion left is the single family. So this is why I've been doing the adu. And I think in the future, Phase Five could be those single family that whole area might get up zoned to multifamily, more density.   Keith Weinhold  34:11   Yeah, upzoning, that term for allowing more dense housing term really originated because you're building up vertically, although that doesn't have to be the case every time. And yes, I mean, this is really a great way to solve the affordable housing crunch in the United States. I've seen other cities where single family zoning only was allowed now allows for duplexes. That's a common way to upzone as well and fetch you really often talk about creating affordable housing, like we're discussing here, while you're building wealth. Can you speak to us more about that? You kind of get a give back that way?   Thach Nguyen  34:46   Yeah. This is a mindset thing. There's a mindset that says, right? And some people believe it. Some people don't. I love what Zig Ziglar said, Right? Zig. Zig says, If you help enough people get what they want, you eventually get what you want. Yeah. And so. If you go out, then you make enough difference to the world. Take a look at Bill Gates. One day, he probably saying, You know what, I'm going to figure out how to make a computer to actually help your life better, faster, more efficient. And his goal was to do it worldwide. So he solved that problem, and in return, he has massive financial freedom. So for me, real estate isn't just real estate. Real estate what it would do for me as an outcome, real estate also give me an emotional contribution, which is, if I make a difference out there, creating more housing right, to make it more affordable, to make it most of people gonna buy it. What does it do? For me? It will actually fulfill the hierarchy of life, which is contribution. Because once you have money, the only thing that fulfill human being beyond money is life fulfillment.   Keith Weinhold  35:48   That's right. I mean, hey, it's a little brash, but in the business world, really no one cares about you until they know how much you can help them.   Thach Nguyen  35:56   You got it, brother, you got it right. That's why do you think so many wealthy people do thing in nonprofit world, because at some point it was all about them at the beginning. Now it's about basically giving back. So imagine, on your way going to success, you do both, you make a difference and you benefit also. And it's a more fulfilling journey than a journey just push, push, push and grinding and not taking care of you in the process.   Keith Weinhold  36:23   Well, if that's your events, they give you this mentorship platform. And I think you've actually pointed to how mentorship accelerates your own real estate success, even though you're trying to help others first.    Thach Nguyen  36:34   Yeah, you know for me, I always knew that the more you learn, the more you earn. And so what? 1995 I met my first mentor, Saul and then I met my other mentor, Mike ferry. And if I'm there, I met Wayne Dyer, who became one of my great mentor, Tony Robbins, Deepak, Chopra, Abraham Hicks, I mean, all these great people, right, that I got exposed to. And today I still have multiple different mentor from fitness mentor, spiritual mentor, business mentor, you know, financial mentor, and they I have regular meeting with these folks, because I want to constantly, always feel I'm growing mentally, emotionally and financially, physically, and I know that the more I learn, the more I can actually make a difference to other people coming behind me   Keith Weinhold  37:21    even Michael Jordan had his own team of coaches. Yeah, you see, that's why, that's how we all get better with that, you've really helped so many people with your mentorship, your contribution to the industry. Let our audience know how they can learn more about you.   Thach Nguyen  37:36   Yeah, if you gotta go to my Instagram, it's Thatch Nguyen this my name, and you go to YouTube, I drop YouTube every single week. It's my name. Also that's when. And you can find me there. You can find me on Instagram, tik, Tok, Facebook, everywhere. That's where I inspire and empower people all over the world about real estate and mindset.   Keith Weinhold  37:54   If that's before, I ask you if you have any last thoughts as you look him up, it's spelled T, H, A, C, H N, G, u, y, e n, fetch. Let us know if you have any closing thoughts.   Thach Nguyen  38:04   Yeah, this has been on my mind lately a lot. If you want to be successful at anything, you got to get single minded focus. And I remember when I was in Tony Robbins training, we used to do fire walk a lot. And when you are doing fire walk, you have to get single minded focus. And the only thing that you will focus on is perfect health, perfect health, perfect health. As you walk in across five feet, six feet, seven feet, and you have to really stay focused on perfect health, perfect health, perfect health, perfect health. And if you don't, and I've seen what, people lost their concentration and they burn their feet halfway through. But I also see people so powerful where they can walk halfway stop, bend down, pick up a coal and keep walking. Don't burn because they really focus on single minded focus. So I want to say to everybody, make sure you clear on where you want to buy, what you want to buy, and then once you know where you want to buy, what you want to buy, get focused on your main job is to figure out how to find deals every day, because that's your main job. If you can find deal, you solve all of your personal problem.    Keith Weinhold  39:15   I am so with you on the focus of concentration, because diversification is a word that we're fed, and there's something to be said for that. But if you want greatness in anything, you really need to double down and focus. It's sort of like Andrew Carnegie said, put all your eggs in one basket and then watch that basket. Yeah. Well, that's when this has been great. It's been good to have you here on the show.   Thach Nguyen  39:35   I appreciate everybody we talk to y'all soon. Peace out.    Keith Weinhold  39:44   Yeah, good energy from Thatch Nguyen. He's based in Seattle. When you don't live in an investor advantage area, you have to get creative or scrappy, and he's doing it well, using ADUs and a lot of value add if you're merely investing. Investing on the side, well, then you're probably better off with a turnkey type investment, something that's not quite so hands on, but if you're devoted full time to real estate, then you really have some ideas there that you might want to pick up on. He wore a sweatshirt that says mindset on it during our chat. I like that. I mean, real estate investing isn't all about mindset, but that's surely where it begins for the production team here at GRE that's our sound engineer, bedroom Jampa, who has edited every single episode since 2014 QC and show notes, Brenda Almedares, video lead, brendawali strategy, talimagal, video editor, seroza, KC, and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  40:50   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  41:18   The preceding program was brought to you by your home for wealth building get richeducation.com  

Kā atšķirīgas vēlēšanu sistēmas spēj ietekmēt vēlēšanu procesu, vēlētāju motivāciju un vēlēšanu rezultātus? Studijā Publisko tiesību institūta direktors Arvīds Dravnieks, Latvijas Universitātes profesors Jānis Ikstens, Latvijas prezidents (2019–2023), konstitucuionālo tiesību eksperts Egils Levits un politologs Juris Rozenvalds.  

298 - The Hidden Real Estate Strategy No One Talks About: Seller Finance Notes Explained What if the biggest opportunities in real estate aren't in flipping houses… but in buying paper? In this eye-opening conversation, Will Harvey breaks down the hidden world of seller finance notes, hard money lending, and how savvy investors are capitalizing on valuation gaps between public and private markets. If you've ever felt stuck relying on traditional flips or unpredictable buyers, this episode reveals a smarter way to create consistent returns. Will shares the real strategies he uses through Harvey Capital, from evaluating borrowers and underwriting conservative ARV projections to structuring deals with strong exit strategies like DSCR loans. You'll also learn how note investing works, why buying seller finance notes can generate passive income without owning property, and how partial note purchases create win-win liquidity opportunities. This episode is packed with practical insights from real deals, including lessons from house hacking, hard money lending, multifamily investing, and transitioning from operator to finance-focused investor. If you're a real estate investor navigating today's uncertain market, looking for creative financing strategies, or wanting to shift toward passive income, this conversation is essential listening. Whether you're flipping houses, building rental portfolios, or exploring note investing for the first time, these insights could help you reduce risk, improve deal analysis, and unlock new income streams right now. 5 Powerful Takeaways • How focusing on borrower quality and exit strategy can dramatically reduce lending risk and protect your capital • Why conservative ARV calculations can make or break your flip, even when everything else goes wrong • How seller finance note investing creates passive income without owning or managing property • The power of partial note purchases to generate liquidity for sellers while creating yield for investors • A simple strategy to strengthen your credibility with lenders by presenting a clear refinance or DSCR exit plan About the Guest Will Harvey is the founder and principal of Harvey Capital, a real estate investment firm focused on active and passive strategies across both private and public markets. He has hands-on experience in house flipping, hard money lending, multifamily investing, hospitality assets, and seller finance note acquisitions. After transitioning from operator to finance-focused investor, Will now specializes in identifying valuation disconnects and structuring capital solutions. His real-world background allows him to evaluate deals from both the borrower and lender perspective. Through Harvey Capital, he focuses on short-term lending, note investing, and helping investors access capital with strong risk management. Will brings practical, numbers-driven insight rooted in real transactions. Resources & Websites Mentioned • https://harveycapital.com • mailto:will@harveycapital.com   00:00 Show Intro 00:57 Mindset Bestowment 01:46 Five Mindset Shifts 03:42 Badass Bottom Line 04:15 Meet Will Harvey 05:50 Will Origin Story 07:01 From Mortgages to Rentals 09:23 Pivot to Finance Side 10:46 House Hacking Question 12:52 Borrower vs Deal Filters 15:41 What Makes Good Borrower 20:58 Deal Math for Flips 23:14 Underwriting Red Flags 25:58 Exit Strategy DSCR Loans 27:18 Proving Refi Plan 28:42 Seller Notes Explained 29:30 How Notes Get Created 32:48 Buying Paper For Cash 35:04 Discounts And Underwriting 35:58 Partial Note Purchases 37:37 Sourcing Notes And States 40:03 Pricing Notes Basics 42:12 90 Day Learning Plan 43:33 Borrower Tips For Lenders 45:26 Investing In The Fund 46:21 Badass Book Pick 47:39 Advice Action Wins 48:55 Drive Faith And Family 49:35 Aspiration Using AI 51:32 Systems Morning Routine 53:02 Success Being Present 54:03 Final Contact And Wrap  

In this episode, Brent Daniels delivers a live, high-energy presentation to the Rhino Tribe on exactly how to find deals in 2026. Brent breaks down the ultimate bottleneck in every real estate business and outlines the exact marketing and sales strategies needed to keep your pipeline full. You'll also learn the "Walgreens Poster Board Method" for getting 40 real estate agents to send you a deal every single year. Tune in, take notes, and learn how to master the art of conversation! Be a part of the TTP training program now.---------Show notes:(0:00) Beginning of today's episode(1:32) Predicting the 2026 market shifts and understanding why inventory levels are changing(2:25) The ultimate real estate bottleneck: How many quality conversations are you having?(3:55) Audience breakdown: Acquiring wholesale deals for buy and hold and sub to strategies(10:01) The three main factors property sellers weigh: Price, speed, and convenience(11:41) Comparing early "Hustle Season" marketing strategies(13:19) The Poster Board Method: Getting 40 real estate agents to send you deals(16:41) Legal insights on whether you need a real estate license to assign contracts(22:04) The proven formula for making offers at 65% to 70% of the ARV(23:10) Why full disclosure and recording conversations are crucial to legally protecting your business----------Resources:Offer GunGoogle Business ProfileAlex Hormozi's Acquisition.com Steve Trang's Real Estate Disruptors TTP Coaching ProgramTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community  are endless, what are you waiting for?

Welcome to another episode of The AZREIA Show! In this episode, Mike Del Prete, Executive Director of the Arizona Real Estate Investors Association, breaks down one of the biggest mistakes new investors make starting with a fix-and-flip. He explains why flipping is a complex, high-risk strategy that requires mastering deal acquisition, budgeting, construction management, timelines, and sales, all while putting your own and borrowed capital on the line in a market that's far less forgiving. Mike shares essential lessons every beginner needs to hear, including why "you make your money on the buy," and how emotional decisions, over-improving properties, and underestimating true costs can quickly turn a deal into a loss. He also offers practical guidance on how to approach deals the right way, using inspection periods to protect yourself, working with experienced contractors and agents, and accurately calculating ARV and every line-item expense before moving forward. Beyond flipping, Mike highlights smarter, lower-risk ways to get started in real estate, such as wholesaling to build deal-finding skills, leveraging creative finance to acquire rentals, keeping your job while investing, and house hacking. He also emphasizes the power of networking through AZREIA, writing and following up on offers, forming partnerships, and using available resources to grow with confidence and build long-term wealth. 00:52 Flip Hype Reality 02:05 Flipping Is Business 03:34 Money Risk Market 04:48 Avoid Rookie Mistakes 06:18 Profit Math Basics 07:07 Better First Flip 08:12 Inspection and Pros 11:02 Know Your Numbers 13:01 Try Wholesaling 14:35 Creative Finance Paths 16:50 Buy Rentals Now 20:28 House Hacking Option 22:17 Key Takeaways 24:02 Partner and Invest 26:14 Wrap Up and Resources -- Contact Alden of Silver Crest Opportunity Fund at http://silvercrestopportunityfund.com "AZREIA does not endorse specific investments. Please do your own due diligence." Want to grow your real estate business?

There's a deal out there right now that's more dangerous than a bad deal.It's the one that looks good on paper.The ARV checks out. The rehab makes sense. The margin looks fine……and then it slowly bleeds you.And here's the part that stings…This market doesn't punish bad deals anymore.It punishes deals that were too optimistic to begin with,And by the time you're out of it, you didn't lose big… but you didn't really win either.That's the part nobody talks about.If you've been looking at deals lately and something feels off… that's not you being paranoid.That's you starting to see what most people miss.Right now, the game isn't “find more deals.”It's “stop doing the wrong ones.”My Partner, Lindsay Arko, is hosting a Live Deal Analysis Workshop on March 26th.If you're tired of guessing on deals… You should be there.CLICK HERE to Save your spot for the Deal Analysis Workshop >>>Catch you later!LINKS & RESOURCES1,000 FREE Seller LeadsGet your first 1,000 seller leads FREE from our partner BatchLeads and start closing deals immediately. CLICK HERE: http://leads.getbatch.co/mztQkMr7 Figure Flipping UndergroundIf you want to learn how to make money flipping and wholesaling houses without risking your life savings or "working weekends" forever... this book is for YOU. It'll take you from "complete beginner" to closing your first deal or even your next 10 deals without the bumps and bruises most people pick up along the way. If you've never flipped a house before, you'll find step-by-step instructions on everything you need to know to get started. If you're already flipping or wholesaling houses, you'll find fast-track secrets that will cut years off your learning curve and let you streamline your operations, maximize profit, do MORE deals, and work LESS. CLICK HERE: https://hubs.ly/Q01ggDSh0 7 Figure RunwayFollow a proven 5-step formula to create consistent monthly income flipping and wholesaling houses, then turn your active income into passive cash flow and create a life of freedom. 7 Figure Runway is an intensive, nothing-held-back mentoring group for real estate investors who want to build a "scalable" business and start "stacking" assets to build long-term wealth. Get off-market deal sourcing strategies that work, plus 100% purchase and renovation financing through our built-in funding partners, a community of active investors who will support and encourage you, weekly accountability sessions to keep you on track, 1-on-1 coaching, and more. CLICK HERE: https://www.7figureflipping.com/runway Connect with us on Facebook and Instagram: @7figureflipping Hosted on Acast. See acast.com/privacy for more information.

Is 2026 quietly shaping up to be a great time to buy a rental property? Following a sluggish year for home sales, the housing market could become “unstuck” in 2026, giving you a clear window to buy—IF you adjust your investing strategy accordingly!   Welcome to another Rookie Reply! Today's first question comes straight from the BiggerPockets Forums, and it's all about closing day. What do you need to know once you get a property under contract? Ashley and Tony give their best property-saving tips, like why you should never skip an inspection, always have reserves, and more.  2025 was a down year for the housing market, but with mortgage rates easing slightly and prices dropping in many markets, now might be a better time to buy. We break down what's happening in different areas of the country and how to fine-tune your strategy!   Whether you're flipping houses or renovating rentals, wholesalers and real estate agents don't always give you the most accurate after-repair value (ARV) estimate, which can quickly throw your numbers off when analyzing rental properties. We'll show you how to find good comps, calculate ARV, and be more confident in your numbers! Looking to invest? Need answers? Ask your question here! In This Episode We Cover How most rookies should be adjusting their investing strategy in 2026 How to find better real estate deals in your local market What to do before, during, and after closing on a rental property After-repair value (ARV) explained, and how to estimate it How to find (accurate) real estate comps for your investment property And So Much More! Learn more about your ad choices. Visit megaphone.fm/adchoices

Join The Creative Finance Playbook Coaching Program & Learn Directly from Jenn & Joe:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://creativefinanceplaybook.com/Can you really buy real estate with no marketing budget and a full-time job? This episode proves you can.In this LIVE Creative Finance Playbook workshop, Jenn & Joe Delle Fave sit down with Luke — a full-time W2 employee, husband, and brand-new investor — who just got his first wholesale deal under contract.No massive marketing budget.No quitting his job.No perfect timing.Luke shares how he overcame analysis paralysis, started generating Facebook leads, and connected with a highly motivated retiring landlord ready to sell fast.This deal?$35,000 purchase price.Over $100,000 ARV potential.Inside this episode, you'll learn:

Wanna work with us? Schedule a call here: https://go.oncehub.com/bookacall If you're in the private lending business and you're not doing detective work… you're doing it wrong. In this episode of the Private Lenders Podcast, hosts Jason and Chris from Hard Money Bankers break down what it really takes to fully originate and underwrite private money loans the right way. Spoiler alert: It's part sales, part underwriting… and part online detective.

Are you tired of the hype, confusion, and conflicting advice dominating short-term rental investing? What if the real secret to real estate freedom isn't just how you operate, but how you buy?In this solo episode, Kenny Bedwell gets brutally honest about the surprising ways investors lose money by overpaying, believing guru projections, and missing the “money on the buy” formula. He shreds industry misconceptions and unpacks the exact math and legal details behind ARV (After Repair Value), showing how cash flow and forced appreciation are the double-headed dragon of breakthrough investing.Tune in now to sidestep costly mistakes, stop relying on rumors, and get exclusive, actionable clarity you won't hear from brokers, TikTok gurus, or random Facebook groups. Listen before you make your next offer or risk losing your shot at financial freedom!Timestamped Highlights[00:00] – Why operating isn't enough: The unseen risk of buying wrong[00:01:29] – Do you really have to be a top operator, or is buying right the real unlock?[00:03:02] – The two proven ways properties actually make money and where most get it wrong[00:04:21] – ARV exposed: How emotional upgrades mislead you (and what counts as real value)[00:05:35] – The appraisal rollercoaster: Millionaires or victims of ‘desk appraisals'?[00:06:33] – Savvy investors spot the difference: How to cut through market myths[00:10:14] – Buying at the top of the market—why every improvement becomes worthless[00:13:31] – Legal bedroom drama: Why adding beds can blow up your deal[00:16:49] – Pools, game rooms, and garages: What really moves the needle (and what's a sunk cost)[00:18:13] – Are you using the wrong comps? How one tweak can save or sink your entire investment[00:24:25] – The price per square foot strategy: How real pros calculate ARV (step-by-step)[00:25:30] – The 70% rule and double-headed approach: Protecting your cash flow and upside for 2026Mentioned ResourcesPrice Per Square FootARV (After Repair Value) CalculationLegal bedroom requirements (egress window, heating, cooling, etc.)Desk appraisal70% RuleCash flow and appreciation modelsImportant LinksWant us to find the deals for you? https://strinsights.com

Polarhistoriska dokument med brev, porträtt och vetenskapligt källmaterial från Vegaexpeditionen 18781880 lämnar familjen och säljs till högstbjudande. Lyssna på alla avsnitt i Sveriges Radios app. När ett stort polarhistoriskt arkiv från Vegaexpeditionen når auktion hamnar ett av Sveriges mest betydelsefulla expeditionsarv i centrum. Loggböcker, dagböcker, brev, fotografier och föremål kopplade till den första färden genom Nordostpassagen görs plötsligt tillgängliga för helt nya ägare. Materialet ger detaljerade inblickar i arktiska förhållanden, möten med tjuktsjerna och den långa infrysningen vid Pitlekaj, händelser som präglade expeditionens vetenskapliga resultat och historia.Försäljningen väcker samtidigt debatt om hur kulturarv, polarhistoria och vetenskapliga källor bör hanteras när de lämnar institutionella sammanhang. Forskare framhåller betydelsen av originaldokumenten för studier av 1800-talets polarfärder och den roll expeditionen spelat i svensk forskningshistoria, medan samlare ser värdet i att bevara och lyfta fram materialet på privata vägar.När samlingen lämnar familjens gömmor framträder också en förändrad bild av hur expeditionens aktörer har uppmärksammats genom åren. Den omfattande kvarlåtenskapen knyter samman arktisk forskning, maritim historia och frågor om framtida bevarande. För första gången på över hundra år öppnas möjligheten att följa spåren av en av Sveriges mest ikoniska expeditioner genom de originalkällor som nu går under klubban.Reporter: Mats Carlsson-Lénartmats.carlsson-lenart@sr.seProducent: Lars Broströmlars.brostrom@sr.se

In this episode of the Note Closer Show, host Scott Carson sits down with real estate veteran Felipe Soares to dissect the realities of the 2026 fix-and-flip market. With over 18 years of experience and more than 400 rehabs under his belt, Soares provides a masterclass in transitioning from wholesaling to high-volume rehabbing without using your own capital.The Anatomy of a Successful FlipSoares emphasizes that while the business is simple, it is far from easy. He argues that the biggest mistake investors make is failing to truly dial in their After Repair Value (ARV). In a market where values can fluctuate by 10% or more, Soares suggests that if you cannot accurately predict the ARV, you shouldn't touch the deal. He also stresses the importance of the 78% rule; paying more than 78 cents on the dollar (including repairs and holding costs) often leads to negative returns for short-term projects.Efficiency is the name of the game in 2026. Soares reveals his "rule of thumb" for timelines: every $10,000 in scope requires two weeks of work. To maintain this pace, he operates his own licensed construction umbrella, managing four dedicated general contracting crews that work exclusively for him. By purchasing materials directly and leveraging "Pro" relationships at major retailers, he maximizes margins while earning millions of travel points to fund a first-class lifestyle.Key Topics Covered:The Power of Persistence: Soares shared how it took him 18 months to close his first $3,000 wholesale deal, proving that "putting in the reps" is the only way to reach $60 million in transactional volume.Precision Underwriting: Why the ARV is the ultimate "deal killer" and why investors must account for the 90-day FHA anti-flip seasoning rule when projecting exit timelines.Leveraging Technology: The use of AI tools like CubiCasa for instant floor plans and Richer Values for AI-driven appraisal data even in non-disclosure states like Texas.Relationship-Based Contracting: Why treating contractors "like family" and keeping them busy year-round is better than always chasing the lowest bid.High-Impact Aesthetics: Focusing budget on "Say Yes to the Dress" moments—specifically kitchens and master suites—using quartz counters, heated floors, and strategic lighting to trigger emotional buys.Felipe Soares' journey from an underage investor trying to sneak into networking events to a "Stud Muffin-aire" educator proves that success in real estate isn't about luck—it's about systems. By combining conservative underwriting with modern AI tools and a "boots on the ground" approach to project management, investors can navigate even the toughest market cycles. As Scott Carson notes, the only way to reach the top is to take these tactics and move into action.Watch the Original VIDEO HERE!Here is a list of websites and tools mentioned in this episode:CubiCasa: A free mobile app used to scan a house and generate a blueprint with actual measurements, CAD upgrades, and floor plans within minutes.Richer Values: An AI-powered tool that provides accurate After Repair Value (ARV) data and appraisal-level documentation, even in non-disclosure states like Texas.Real.Vision: A professional photography service used for high-end property marketing, providing interactive virtual tours, drone shots, and dedicated property mini-sites.Home Depot Pro & Managed Elite Account: Felipe leverages high-level "Pro" relationships and the "ProDesk" to get bulk discounts, special pricing on paint, and managed deliveries.Floor & Decor Pro: Used for interior design coordination and logistical management of flooring materials across multiple stores.REOLink: An LTE-based security camera system that runs on SIM cards and battery power, allowing for remote monitoring of job sites without Wi-Fi.Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!

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

How Smart Investors Flip Houses Today | Jason Velie breaks down how Jason went from being broke on his first hard money flip to running a 60+ deals/year operation by stacking the right expectations, marketing channels, and systems. He explains why the "second deal" is usually the hardest part, how momentum actually builds like compound interest, and what to focus on when you don't have budget or connections yet. Jason also shares what's working right now (and what stopped working), the biggest mistakes new flippers make with ARV and rehab budgets, and why liquidity and reserves are what keep you alive when the market slows down. _______________________________ If you want to learn how to run your business in 5 hours or less.... Go to https://www.5HourBusiness.com   Subscribe to my YouTube channel:    / @tonyjavierbiz     And if you're into flying and want to follow my Aviation journey, check out my other YouTube channel at    / @tonyjaviertv  _______________________________ Follow me on Social Media: Tiktok -   / tonyjavier.tv   Instagram -   / tonyjavier.tv    Facebook Personal -   / tonyejavier   1Facebook Business -   / realtonyjavier   ________________________________________ If you want to dominate your Real Estate Market with TV commercials, go here: https://www.ClaimMyMarket.com   If you want to connect with me and my network, go to https://tonyjavier.com/connect   If you want to check out Tony's Real Estate Resources and Vendors go to https://www.TonyJavier.com/resources ________________________________________ Tony is the owner of an INC 5000-rated Real Estate Investment Company. He has been featured in Bigger Pockets, Wholesaling INC, Steve Trang's Real Estate Disruptors, Joe Fairless' Best Ever Podcast, and many other top podcasts and platforms.   When Tony is not working on his business, he enjoys flying his plane. You can see videos on that and how he uses airplanes to save money on taxes.   Don't forget to like the video, comment, subscribe to my channel, and share this with a friend if I'm doing my job and providing value to you and your network. If I'm not doing my job please let me know in the comments how I can be better, your feedback is greatly appreciated. See you in the next video!

Keith shares how a recent trip to Colorado Springs and a changing commission landscape reveal what really matters for real estate investors now From there, the show dives into the three levers investors truly control—leverage, operations, and relationships—before welcoming lender Caeli Ridge to break down the major mortgage options for investors. You'll hear how different loan types fit different strategies: from your first conventional "golden ticket" loans, to DSCR loans based on property income, to short-term fix-and-flip and bridge loans that prioritize speed and flexibility.  The episode then moves into how more advanced investors can scale beyond 10 doors, navigate debt-to-income and tax strategy, and even approach financing for short-term rentals—all while highlighting why having the right lending partner and long-term plan can make a big difference to your results. Episode Page: GetRichEducation.com/591 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach 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— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold with new ways to think about your life through goals momentum in the real estate market. Then learn about various mortgage loan types, conventional DSCR, fix and flip, bridge loans, short term rental loans and more. Knowing which loans to use can save you millions and learn the fatal mortgage mistakes you must avoid today on get rich education.   Corey Coates  0:29   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 and 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   Speaker 1  1:14   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  1:30   Welcome to GRE from Winnebago, Minnesota to Winnipeg, Manitoba, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, the voice of real estate investing since 2014 before we get into the mortgage discussion, where we'll discuss five or 10 different investor loan types and their various pros and cons, which could save you millions over the course of your life. I shared with you that I traveled to Colorado A couple weeks ago, for a goals retreat hosted by the real estate guys, top notch event, I spent extra time there in Colorado Springs, because I find it really livable, and I spent five hours with a local realtor there, one day out and about visiting properties in the area I'm potentially looking for a home or a second home. And by the way, how is this for a price range? The realtor wanted to know what my Buy Box is, and since I'm just learning the Colorado Springs market, I told him I'm willing to spend between 400k and 1.2 million on the property, yeah, pretty wide range, a mile wide. Fortunately, my other Buy Box criteria are more narrow and specific, and I have got to say, I'm surprised at how low the area's home prices are. I thought they'd be higher. Interestingly, before touring homes, my buyer agent wanted me to sign a six month exclusive representation agreement. Fair enough, that's standard stuff. It was on the agreement, though, that I as the buyer pay a 3% commission up on the purchase, and the seller would presumably pay the other 3% to make up that total 6% commission for the agent compensation. Well, historically, the seller paid the entire 6% and this, of course, goes back to the NAR settlement, and that ruling that became effective in August of 2024 you probably remember this, and I talked about it on the show back then, and how it's not really that big of a deal, especially to investors like us, because at GRE marketplace and with our GRE investment coaching, it's a direct model. There's zero commission on either side, and then you, in turn, get some of those savings, but out in the larger world and in the owner occupant world. Well, that rule change that started a year and a half ago. It means that sellers are no longer required to pay the buyer's agent. Instead, the fee is now negotiable between buyers and their agent. The other change is that property listings no longer display the buyer agent's commission offer. But here's what's interesting in practice, and what really ends up happening in the end, in most cases, is that the seller still pays the full commission and compensates both agents that full 6% sometimes it's 5% instead of six buyers and buyer agents, they still operate under the seller pays. And that's largely because that has just been the norm. It's what's seemingly always been done. It's what buyers are used to. And the reason that that often persists. Is because the seller is the party in the transaction that has that thick equity in the property, deep equity, and buyers are the ones often just trying to scrape together whatever they can for a down payment and closing costs. Buyers are not going to be able to come up with another 15k for an agent commission when they're buying a 500k property, that's 3% especially today, this is true because American homeowners the seller then still have record equity positions of about 300k an all time high. Nearly half of mortgaged homes are considered equity rich. What does equity rich mean? It means that the loan balance is less than half of the home's value, yeah, the seller has the means to pay the full commission. So the point is, in practice, the seller, yeah, still pays that full five to 6% commission in the overwhelming majority of cases, and the buyer pays nothing. And if that does change, it's going to take a long time. You know, a lot of these evanescent real estate stories that people think are going to have some seismic impact. It rarely does, like this erstwhile NAR ruling or the 50 year mortgage proposal or banning big institutions for buying more single family rentals. You know, this stuff is like one little baseball sized asteroid striking an entire planet. I mean, it's like a barely discernible impact. Real estate is anchored in one place like Jabba the Hut. It is solid. These stories are interesting, but they're not impactful.   Keith Weinhold  6:52   Instead, I've mentioned it before. What are three things you control in real estate that really matter. And these are evergreen things. First, it's, how many dollars are you leveraging? That's where your wealth is going to come from. In fact, we're going to discuss that today with mortgage loan types. Second, what's the efficiency of operations on your existing properties? And thirdly, what is the quality of your relationships? And actually, we're addressing the third one today too, talking to a lender that you could make part of your team. You can control these three things. They're unyielding, they're evergreen, they're long term, and they all have gratitas and impact those three things, leverage operations and relationships. Now my agent drops me off and picks me up from my hotel here at the Broadmoor in Colorado Springs. This was also the event hotel for the goals retreat. I just extended my stay to hang out in the area. Look at real estate, do some climbing on Pikes Peak. Pro tip for you on hotel room rates, talk to a human being before I booked my stay, I called the front desk and asked them if they could extend the attractive event room rate to more nights on my extended stay. And they agreed. You might have heard of the Broadmoor. It is well known. It's been here for more than 100 years, and it is such a fine place to stay. Let me tell you about this special piece of real estate. In fact, I've thought it through, and I will now hereby proclaim that it is the finest us hotel experience that I've ever had in my life. I say us because I stayed at an amazing place in Dubai. But what makes the Broadmoor stand alone? It's the details and the service. A lot of hotels are nice, but this is on a different level. And I don't say this to brag, and this is because you probably can afford to stay here, yeah, like I have. You might have paid more elsewhere in your life for a lesser hotel, although I am here in the low seasons. Okay, now, sure, you've got views of the Rockies and a man made lake and waterfall and even a beautiful chandelier in my hotel room. The thing that sets it apart, though, is you have this service that feels old world and not corporate. That's what makes the difference. The Broadmoor is horse themed, since horses are a symbol of the American West. There are about 800 rooms here. It's kind of like a self contained adult Disneyland championship golf courses, a world class spa, even an outdoor lap swimming pool like that has lanes that I swam in one morning for. Fine dining, casual dining, access to hiking, fly fishing, even falconry, zip lines, tennis, pickleball pools. Take the cog railway to the Pikes Peak, Summit. Okay. Now, other nice hotels have attractions that are sort of like that, but when I rave about the service, it's the little things they are knocking on my door before 10am to come in and clean the room. And you know how so commonly, when you first check into your hotel room and you look in the closet, there are not enough clothing hangers, and they're all like stupidly mismatched. These all match. They're all nice wood, and there are plenty of them. So I'm talking about these details. I'm telling you. I had dinner at one of the broadmoor's restaurants the other night. I just happened to take a close look at the tag on the napkin. Sure enough, it is made in Italy. I mean, jeez, no detail is overlooked at this stellar place. In fact, here's what I'll do. You know, I'll just completely stop my Colorado Springs home search right now. Instead, I'm going to stop down by the Broadmoor front desk, tell him to give me some moving boxes, because I'm moving into the Broadmoor and I'll be here for the next decade. Start forwarding my mail here and everything. And hey, at least I was courteous enough to give them notice. I can't stay here too long, or my standards will be rising faster than my net worth. Yeah, yeah. Can't go to sleep with a mint on your pillow every night, I suppose.    Keith Weinhold  11:38   Now, the reason I came here now is to attend that aforementioned goals retreat, and let me take all the time and all the resources that I put into being here and distill them into just a few of the most salient takeaways for you. Goals should be smart, strategic, measurable, actionable, relevant and time based, they must be written down. Now, how would you describe yourself to somebody else that didn't know who you were? Write that down next. What do you think your reputation is? How would others describe you? Write that down now that you can see how you describe yourself and how others describe you, you can see that there's a gap there. That gap is what you need to work on. I learned that goal should be written in the present tense, not the future tense. I did not know that before. For example, say it is January 1, 2035, and I own $5 million in rental property. That's an example of how you would do that. So take future events and write them in the present tense. Other questions at the goals retreat that got really introspective are, what are you really going to do with your life? And write down that answer. Sheesh, that is tough. And if you think that's a hard question for you to ask of yourself, the next one is even harder. It's simply why? Why is that where you're going with your life? And then write that down? I mean, would you answer questions like this for yourself? And you really think about it, that can occupy a new segment of your entire headspace. It is a big cognitive load, and a last one to leave you with is to dream not just big, but gigantic. Get it out there, write down a dream that interests you, but it's so grandiose that you're actually embarrassed to tell someone about this stretch dream, for example, for me, it's the first person to walk on another planet. No human has ever done that, and this would most likely happen on Mars. See, this is so grand that is sort of embarrassing for me to even share that with you. It almost makes you sound Loony, like I would have to learn so many new skills to travel to and walk on Mars. But you should write down a bunch of other goals too. You're sort of brainstorming on goals, attainable goals. Recall that is the A in the SMART goals acronym, you want to write down a bunch of attainable ones, not just that stretch one. So for attainable ones, one of them is for me to become the highest man on earth. To give you an example. And I attempted that goal two years ago, and I failed. I told you about that at that time. But see now, compared to my embarrassing stretch goal of walking on Mars, the highest man on earth feels attainable, I know what it takes to achieve it, and it's worth doing, ah, but it's a grind to get there, yet it would be worth it. Those are some quick take. Ways from the real estate guys goals retreat while on stage the event host Robert helms he took a minute respite from the goals material, and he recognized the fact that, as he calls it, the four OG real estate podcasters are all in the same room. One of them is helms himself, and now I feel like the other three are all older and doing it longer than me. I was one of the four that he mentioned. But you know, there is only one podcast that was mentioned from stage, and that is that Robert helms told the audience that they should be listening to the get rich education podcast. That was a nice thing to say, and he is always a gracious giver.   Keith Weinhold  15:45   Next, we're talking about four major loan types, conventional DSCR, fix and flip and then bridge loans. When we discuss the first two parts of it could sound repetitive, but you'll see why we do this, because then you'll be able to compare it to nichey loan types that we discuss, for example, the speed of a bridge loan, where you can get funded in just one week, compared to a slower conventional loan. The mortgage landscape changes. I still remember how in 2012 we had still somewhat freshly emerged from the global financial crisis, and back then, you could only get four conventional loans, four rental properties, not 10 like you can today, 20 married. So get your loans while you can, you probably won't always be able to get 10 loans. We'll start with loan types that are more for beginners, and then we'll get to advanced material. Let's welcome back one of our favorite recurring guests.   Keith Weinhold  16:54   You can make millions more throughout your life by understanding mortgage loans. This is key, and today it's the return of the woman that's created more financial freedom through real estate than any other lender in the entire nation, because she's the president of ridge lender group. Hey, it's time for a big welcome back to the incomparable, yet somehow still so approachable Chaley Ridge   Caeli Ridge  17:16   my Keith, thank you for having me. I love being here. I love what you're doing. It's my pleasure, sir.   Keith Weinhold  17:23   And our followers, our listeners, have been approaching you since 2015 you're one of the longest running guests, truly one of the OGS around here at GRE and now Caeli, before we discuss loan types. You know, we don't really talk politics on this show rather policies, and we're in the midst of a presidential administration that often, in the name of the word affordability, is trying to supremely shake things up in the housing market. Help us dissect what matters and what won't.   Caeli Ridge  17:58   I have found that at least as it relates to current administration, whoever that might be, I wait for the buzzwords or the taglines to become the actual policy. Like you said, That's a good point in this case. You know, you've got things floating around, like the 50 year mortgage cutting off the hedge fund guys and that kind of thing. Whether or not, those things come to fruition. I'm happy to give my opinion on them. I do not think that it's going to move the needle much for the people that you and I serve with regard to I mean, just taking them one at a time, I don't think that the 50 year is going to come to fruition. Just first and foremost, if it did do, I think it would be a good idea for a homeowner, probably not, but for an investor, maybe if there's some way that we can keep our payment lower, given the maturity date of a mortgage for an investment property is usually about five years. I mean, I know that this is a 30 year fixed mortgage, but statistically speaking, the average shelf life of a non owner occupied mortgage is about five years. So getting a 50 year amortization, if that were going to reduce the payment, I don't think is a bad thing for an investor, however, and this may get a little bit technical for the listeners, so I apologize in advance if we were to go to a 50 Year am the adjustments, something called, and you and I have talked about this before, something called an llpa, that stands for loan level price adjustment, I think would be such that it could end up defeating the purpose of having the longer term amortization, because I think the interest rates would be higher and I think they may offset so that was a long way to say. One, I don't think it's going to happen. I don't think it's actually going to get to its final resting place. And two, would it be a good idea for investors, yeah, I think it would be worth considering if it kept the payment lower. Okay, that's that as the other piece to cutting off the hedge funds, the big, you know, BlackRock, some of the big players, and giving them access to the residential housing and first right of infusion or etc, because they've got such deep pockets. You. It's such a small amount to what our individual investors are going to have access to that I don't think that that moves the needle either. So I don't know if I'm answering the question, except to say anything that they're going to tout, I would wait for it to actually become written in stone and pass by the rest of the powers that be before I would get excited about or concerned about any of it.   Keith Weinhold  20:21   This is pretty parallel with what I've been telling our listeners. All these things seem to make splashy news, but I haven't seen anything that's going to make a deep impact yet, whether it's the 50 year mortgage, which probably won't even come to fruition, or if it's doing these mortgage bond buy downs in order to bring more liquidity into the market and bring rates down, or if it sees any of these other things being discussed with these institutional investors, since they already own such a smaller proportion of the housing market than a lot of people think, we'll discuss seasoned real estate investors and their loans shortly, but first for newer real estate investors, you Know, chili, I kind of think of four or more loan types that a beginner should be familiar with. I think of conventional loans, dscrs, fix and flips and then bridge loans, the first one with conventional loans. What are the basics that someone should know?   Caeli Ridge  21:17   So first of all, you should know that there are 10 of these. We call them the golden tickets. I'm pretty sure I coined this, okay, 100 years ago, the golden ticket. We call the conventional aka Fannie Freddie, aka agency. They go by different names, but they all mean the same thing. We call them the golden tickets because it's the highest leverage and typically at the lowest interest rate you can find. Now I do have a hook in our conversation today about that. I'll get we'll get to it. There are 10 of these per qualified individual. So one of the first things that I would tell somebody is, is that if they are a partnership or a husband and wife team, you want to make sure to keep the debt obligation separate, because if you want to maximize these golden tickets, let's just say it's a husband and wife team. You each have, per qualification access to 10, and that includes a primary residence. In fact, let me just take a quick second and define what counts in the 10, because some people get this wrong. So the 10 golden tickets are counted by any residential property, single family, up to four Plex that has a loan on it, where the loan is in the individual name or personally guaranteed by the individual. That's where people get tied up. So if they went out and got a kind of more of a commercial type loan, that was in an LLC name, for example, but they signed a personal guarantee, per Fannie Freddie guidelines, that particular mortgage is going to count against the 10. So those would be some of the first pieces of news or detail I would give them about conventional    Keith Weinhold  22:40   for married couples, don't take ownership in both the husband and wife's name, either the husband or the wife. That way, you can get to 20 rather than 10. And yes, you do have to be mindful that your primary residence does count in that 10 or 20, whatever it might be. Anything else quickly with conventional loans, LTVs so on,    Caeli Ridge  23:01   yeah, LTV can go to 85% loan to value. So you get a little bit extra than you're going to get in some of the other loan product types. It will have PMI, private mortgage insurance, anything over 80% LTV will always have PMI on a more conforming, conventional basis. So keep that in mind. But the factor is pretty low. I would encourage people that are looking to stretch the almighty dollar. Do the math. Look at the 85 with PMI against, say, an 80% and see what are you giving up versus what you're getting. And then qualification stuff, you guys, my dumb joke, it's Keith's favorite. I'm sure vials of blood and DNA samples are sort of required for the Fannie Freddie loans. So just be prepared to supply or submit us the tax returns and pay stubs and bank statements and and all that stuff,   Keith Weinhold  23:44   you'll feel like you're getting fingerprinted almost for a conventional loan qualification. And the second one that I brought up DSCR loans, that's short for debt service coverage ratio. And these mortgages are pretty standard for rental properties. They're underwritten based on a property's income potential. So you know, the way I think of dscrs Chaley from the lender's perspective, is that sustainable cash flow is what matters. The rent has got to support the property's monthly mortgage payments. So we talked to us more about dscrs.    Caeli Ridge  24:15   Yeah, I love this product, and this is for somebody that either can't fit into the conventional Fannie Freddie box, or maybe they've exhausted their golden tickets and they're graduating and moving on. This is a great option that will reduce the amount of vials of blood and DNA samples that you're going to have to submit. It still provides for a 30 year fixed mortgage. The leverage is roughly the same, 80% in most cases, on a purchase. And to your point, the gross income divided by the principal, interest, taxes, insurance and Hoa, if it's applicable, is the simple formula, the easy method I'll give people, just to kind of solidify that math, is that if the gross rents were $1,000 a month, and if the PI TI was $1,000 a month, when you divide that, your debt service is 1.0 Now you can go as low, believe it or not, as low as a point seven, five, DSCR, they have those available be ready for the interest rate to get a little hair on it. Okay, it's going to be higher than what the 1.0 and above is going to be. But you can go as low as point seven, five, those are going to be for the investors that have found a property, maybe in distress, and they cannot show the current market value rent, perhaps, and it's on the low end. So you can still get that done at point seven, five, just be ready for a higher interest rate.   Keith Weinhold  25:30   So the DSCR loan an alternative for you, which might be especially useful, like Chaley touched on, if you've already exhausted your 10 golden ticket. Fannie Freddie loans, a DSCR of 1.2 for example, means that your rent income needs to exceed your principal, interest, taxes and insurance payment by 20% or more. That's what we're talking about here. And then Chile, those were more of loans for the buy and hold type of investor. Tell us about fix and flip loans.    Caeli Ridge  26:03   Yeah. So these are shorter term loan that will allow you to include not just the purchase of the property, but also some renovation or rehab money if you need that. And we're going to be looking at an ARV after repair value. So you've got a purchase price, you've got your renovation or scope of work budget. And then we're looking for an ARV with the ARV to be somewhere around 75% so what that means, if you've not heard of this before, you're going to take, let's say, $100,000 value. And if we want the ARV to be at 75% we're going to lend 75,000 is kind of the mix there. Those are quicker loans. You're going to be paying much higher rates on those. You know, between nine and 13% depending on the deal. The points are also going to be a little bit higher, but a great option for that quick turn and burn where you know your deal has enough skin in it and you can recapture all your capital and make a good tidy profit on it.   Keith Weinhold  26:53   We're talking about basically fixer upper loans here with Chaley Ridge, the president of ridge lending group, yes, these are jalopies that rarely qualify for traditional bank financing. And oftentimes, when I think about these fix and flip loans, I'm thinking that often there is interest only flexibility with regard to those higher interest rates that you need to pay. And I think of it as, you know, a shorter term loan that you've got during your renovation period, oftentimes 12 to 18 months. Does that sound about right?   Caeli Ridge  27:24   Yeah, 6,18, even 24 months. And to your point, yes, all of these are going to be interest only. And one of the cool things is about these loans is, is that, if there's enough room in the deal, right, based on what you need to borrow and what we think the ARV is expected to be, you don't even actually have to be making those interest payments. You can build it into the final payout when we go to refinance you out of this short term loan, or you simply sell the property and pay off that loan. So for example, let's say that your interest only payment is $1,000 a month, okay? And the value of the property is going to be $200,000 and you only took 120 okay, we're going to be well within that 75% ARV. You can build in that $1,000 say, for 12 months, there's $12,000 and just add it to the outstanding balance that you started by owing, and not have to be making those payments on an ongoing basis. It's not rented, right? So it might be nice to be able to factor that in to the actual payoff when you go to refinance that if it's a fix and hold versus go to sell it on a fix and flip.   Keith Weinhold  28:31   Now, long term, we know that the big gains for real estate investors really come from that leveraged appreciation getting that loan. But sometimes there are situations where we might want to act as a cash buyer. And that brings up this fourth of four loan types that I brought up, the bridge loan, short term loans that can temporarily finance a property purchase while you're waiting for a longer term loan to come through. The bridge loan, so I think of it as a pretty speedy loan, if you sort of want to act like you're an all cash buyer.   Caeli Ridge  29:04   Yeah, I like this, and in many ways it's similar to a fix and flip interest only. Obviously the term is going to be shorter, six months, 12 months, up to 24 months, and based on largely relationship, the bridge loan for the purpose that you described, really comes into play for an investor that we know and we're comfortable with, we can fund those inside a week, for somebody that we've done several of these loans for. So for those that need that really quick turn, once you've established yourself as a seasoned, experienced investor in that space, those are pretty slick and easy to get through.   Keith Weinhold  29:39   Why would someone use a bridge loan, rather than a fix and flip loan.   Caeli Ridge  29:43   So if they're in a very competitive market, that might be another option, because those are going to be faster. The bridge loan is going to be faster where they need to say that they're an all cash buyer and they only need seven days to close, or whatever it is. It depends on the municipality in the state. But what if you're at the courthouse steps? And you need cash quickly. Sometimes it needs to be immediate. So that might not be applicable in this case, but if you put the bid in, and you win the bid, and you've got, you know, three days to perform, usually we can get those done. So it's circumstantial. Those would be two variables or two scenarios that that would apply to   Keith Weinhold  30:17   the bridge loan gives you the advantage of speed, but that speed can come at a cost.   Caeli Ridge  30:22   Oh yeah, yeah, you're going to be paying probably three points, maybe four points, and it's short term interest, 13, 14%   Keith Weinhold  30:30   so with these four loan types that we've discussed, conventional DSCR, fix and flip and bridge loans, you can kind of see that there is a loan for most every investment scenario, and there's no reason to rely on only one type, a flipper. Might start with a short term fix and flip loan or a bridge loan and then later refinance to a DSCR or a conventional loan. So consider mixing and matching based on your needs. You're listening to get rich education. We're talking with Ridge leninger, President Taylor Ridge, more when we come back, including steps for more advanced investors, I'm your host. Keith Weinhold   Keith Weinhold  31:06   mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone, headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with a better business bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW Mid South. Enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com    Keith Weinhold  32:08   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds. Don't keep up when true inflation eats six or 7% of your wealth. Every single year I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or GRE, or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly again. 1-937-795-8989,   Keith Weinhold  33:19   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Blair Singer  33:53   this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream.    Keith Weinhold  34:09   Welcome back to get rich education chili when we go beyond this beginner stage that we've been discussing, how about for an investor just trying to scale to 10 doors worth of one to four unit properties. Now, are there any strategies there or more of a loan order that you would recommend in getting up to your first 10 you know   Caeli Ridge  34:29   I think the strategy starts with calling your lender, ideally Ridge lending group, and having that deep strategy call that, that discovery call, so that we can really understand and plant some seeds that say, Okay, Mr. Jones, these are your qualifications today. This is where you want to be in a year or 10 years. These are the steps that are going to be important that we are mindful of and we take to accomplish and reach those milestones. It's really important to have that baseline understanding of what is your debt to income ratio on day one, what are your assets? Sets. What is your credit? Where do you want to be in a year or 10 years? Right? Do you want 10 properties in a year's time? It's going to be a very different conversation than if you're going to slow roll this and want to establish 10 purchases or 10 investment properties over 10 years. So identifying those details is going to be part one, and then next, in terms of order, I would say, largely the higher price point properties, typically, I would say, put those in one through six. And the reason that I'm saying that is is that the underwriting guidelines under conventional financing, they will change based on how many finance properties you have. So of all of the inner working guidelines and things that go into securing a conventional mortgage loan, the three top most heavily weighted are going to be debt to income ratio, credit score and assets. Okay? And within each one of those, the marker or the qualification guideline changes as you evolve and acquire more property. So the higher up the ring you go, or the rung that you go to 10, the more restrictive the guidelines are going to be. So I would typically say, get the higher price point properties go into maybe one to four, one to six, if that's part of your strategy and your diversification of portfolio ownership. Then after you've established having two or three or four properties and that higher price point it as it gets harder to qualify, potentially, if your debt to income ratio is a little bit tight, you've got the smaller loan sizes that might be less impactful in debt to income ratio. All of this is very subjective to the individual's qualifications and needs, of course, but that might be one rule of thumb that I would take   Keith Weinhold  36:39   gosh, this This is absolute gold in helping you structure the architecture of a growing income property portfolio. And we're coming up on this Super Bowl, and whatever mortgage lender advertises for the Super Bowl or has some big, splashy campaign nationally, you know they are not the ones that are going to have conversations like this for you, they might be fine for buying a primary residence, but this is why you want to have a long term strategy and work with a lender that's aligned with you on exactly that sort of thing. And Chaley, is there a specific way in which one can avoid hitting the Fannie Freddie loan ceilings too early if you haven't already touched on it.    Caeli Ridge  37:22   Yeah, very good question. You know, I think that this is going to come down to a debt to income ratio conversation. It's easy enough to ensure that we contain assets and credit. Those are easier conversations. The debt to income ratio is the piece that's more complicated and can get away from an investor without them even knowing it. You don't know what you don't know, right? So I would say that debt to income ratio and making sure that your lender again, hopefully Ridge lending, because we know this like we know our own faces, making sure they know how to structure and provide feedback and consult on that schedule E, part of the beauty of real estate investing is the tax deductions. Right? Many people get into real estate investing, not for the cash flow, not even for the appreciation, but for that tax strategy, because they're high wage earners, or whatever it may be, and they're sick of paying x in taxes. So the debt to income ratio is key in scaling and making sure you can continue to qualify for those loans. The conversations that we have with our clients really go deep about where we can maximize our deductions to ensure that we get the tax benefit without precluding our qualification on a conventional underwriting basis in the DTI category.   Keith Weinhold  38:35   Now, during my growth as an investor, when I got above 10 doors, one gets above 20 doors. When one gets to 216 doors, I began where I needed to qualify more on a DSCR basis, where the lender is looking at the properties qualification, more so than me. So are there any other thoughts with regard to how one can set themselves up for success in really going big and well beyond 10 doors   Caeli Ridge  39:03   absolutely so once we've exhausted the Fannie Freddie, and I think one of the real value adds about Ridge is that we are not a one size fits all, and we are extremely holistic versus transactional. So having that first conversation and understanding what those goals are, so that we can pivot as we need to maximize the golden tickets, whether that be 10 to 20, right? If you're in a marriage or a partnership or whatever, and then setting up for the DSCR loans when the time comes, and taking advantage of those, there is no limit to how many DSCR loans we can get for one individual. We have yet to file an individual that we've had to say no, and we've done quite a few of the high, high acquisition investors, so I don't expect that to be an issue, but yeah, I think it's about planning, planting those seeds, creating roadmaps together and have those smart discovery conversations.   Keith Weinhold  39:50   Now, as you grow, one way you might diversify is to have perhaps at least a part of your portfolio in short term rentals. So what I. Comes to getting loans for sort of Airbnb or VRBO type properties. What does one look for there? How much does the landscape change versus the longer term rentals that we've mostly been talking about here?    Caeli Ridge  40:10   Yeah, I think that the differences are going to be about purchase versus refinance. If we're just talking about purchases, let's kind of try to keep it in one lane. If we're talking about purchasing a short term rental, you may be limited on leverage. You might lose a little bit of leverage, 5% let's say you could get to 75% and maybe on a short term they're going to back it off to 70% LTV, so there may be reduction in that loan to value. And the way in which we're going to quantify the income is absolutely important to share with your listeners on a purchase transaction, we have access to things like an appraisal. An appraisal is going to give us some median rental income, whether it be long term or short term, that we will use to offset a new mortgage payment if that's needed for the individual's debt to income ratio qualification. Now, if they don't need the rental income to qualify, then it's a non issue. But if they do, like most of us, need that rental income to absorb this new mortgage payment that we are securing for them, how that's going to quantify is important. So if it's not in a short term rental area, let's just say it's kind of off the beaten path, and there may not be enough data points to support the income that you need. It's important to know that up front versus way down the rabbit hole, when you paid for appraisals and you're all the way through the transaction and earnest money might be off the table if you had to cancel that kind of thing. So really important to understand the numbers in advance, I would say, when we talk about short term rentals and how the income is going to be quantified from an underwriting perspective,   Keith Weinhold  41:43   why does a borrower often need to make a higher down payment on a short term rental than they do a long term rental?   Caeli Ridge  41:49    You know, I think that in secondary markets, as we talk about mortgage backed securities and things like that, it's looked at as a higher risk. A short term rental is going to be a higher risk than just the stable long term, long burn tenant is going to be there and they've got their lease for a year, two years or whatever, at a time, the short term rental is more volatile and it's seasonal. It can be I mean, there's all those different factors, so higher risk means more skin in the game for the investor.   Keith Weinhold  42:13   That makes a lot of sense. Does that higher risk also translate into a higher mortgage rate for short term rentals than long term rentals?   Caeli Ridge  42:18    Fannie Freddie versus DSCR The answer is no. On the Fannie Freddie side, the interest rate's not going to change on a DSCR loan. Yes, it can be slightly higher, usually about about a quarter of a percentage point on a short term versus a long term.   Keith Weinhold  42:33   Now, are there any particular markets that lenders want to avoid with short term rental loans?   Caeli Ridge  42:39   No, as long as the property is habitable, and all the other metrics fit Qualifications and Credit and assets and all that stuff. No, there isn't a market that we're going to have any issues with now. We do get the notifications for natural disaster areas, and as that relates to the appraisal and things like that, if it's in a natural disaster area or zone, we may have to hold funding until after the disaster is over, and then we can go and take more pictures and make sure it's still standing and there's no major issues. But otherwise, aside from that, as long as it's habitable, no, there is no market restriction.   Keith Weinhold  43:12   Yes, with that variability of income for short term rentals, you can understand how a lender would be more careful in making a loan, and would want you, the borrower, to put more skin in the game for a short term rental. Well, Caeli, overall, what should an investor do in the next 24 hours to make themselves more lendable before contacting someone like you?   Caeli Ridge  43:36   I would say the answer is sticky, but call rich lending group. That's how you're going to make yourself more lendable. And the reason that I can say that is is that everybody's qualifications and needs and goals are inherently different. So calling someone that understands this landscape and can navigate the battleship in the creek like I like to say, that's the visual aid for those of you that need the visual is the first key. And with that conversation, we're going to be able to identify for you specifically what you would need to do to become more lendable. And it may be nothing   Keith Weinhold  44:07   well over there, Chaley, you're growing. You do loans in almost all 50 states. The GRE podcast has more than 5.8 million listener downloads, and you have helped countless GRE listeners acquire smart investor loans for fully a decade now. Just amazing. So talk to us about all of the loan types that you offer investors there at ridge.   Caeli Ridge  44:30   My gosh. Okay, so I think one of the real value adds for us is that we have such a diverse menu of loan products. We touched on a few of them already. So we've got the conventional Fannie Mae Freddie, Mac stuff. We've got our DSCR loans. We have bank statement loans, asset depletion loans. I can touch on those if you want. Keith, we have our short term bridge fix and flip. We have our All In One my favorite, first lien, HELOC we have second lien HELOCs. We have commercial loan products, and commercial can apply to residential and commercial property. A cross collateralization, commercial for residential properties. That just means, if you're putting 10 single families into one blanket loan, that would be cross collateralization, or if you're buying a storage unit that's straight commercial, and probably even more than that, ground up construction, there's really not a limit to the loan products that we offer, specifically for investors. The only thing we don't have, I would say in our arsenal is bare land loans. Those are hard to come by   Keith Weinhold  45:24   It sounds like you recommend a call in order to get some of that back and forth, to learn how you can best help that investor. But tell us about all the ways that someone   Caeli Ridge  45:32   can get a hold of you. Yes, there's a few ways. Of course, our website, ridgeline group.com, you can call us toll free at 855-747434385, 747-434-3855, 74, Ridge. Or feel free to email us info at Ridge lending group.com   Keith Weinhold  45:49   and you might get lucky. Hey, spin the wheel. Chaele does get on the phone and talk to individual investors herself too. So Chaley, it's been valuable as always to cover all these different loan types for beginners, and then what one does when they advance beyond that. It's been great having you back on the show.    Caeli Ridge  46:09   Thank you, Keith. I appreciate you.   Keith Weinhold  46:16   Oh yeah, a lot to learn from Chaley today. You've got mortgage rates three quarters to 1% lower than they were a year ago. At this time, in fact, last month, they ticked below 6% for the first time in years, and their lowest level in over three years. But when you introduce geopolitical uncertainty, well, that tends to make rates tick up again. Now, just what does happen when you have a lower overall rate trend like we have? Well, in this cycle, it's already spurred an increase in housing sales volume. It surged to 4.3 5 million in the latest reporting month, and that is the hottest annualized pace in nearly three years. Some of the same people who said, wait until rates fall, they're about to realize that prices didn't wait. Demand comes back fast. Inventory doesn't if mortgage rates take another leg lower, we could see quite a refinance wave in balanced markets or in supply constrained markets, bidding wars could follow. Now I've shared with you before that I totally do not predict interest rates. I don't know if anyone should. It is a great way to be fantastically wrong and supremely waste a lot of people's time. Instead, I think it's more efficacious for you to be able to interpret the signs that can trigger a further rate drop. Those signs are a weak jobs report that tends to bring lower rates because the labor market needs the help. So does softening wage growth, GDP below expectations, inflation continuing to cool, or a pickup in US Treasury demand. These are all signs that can lead to even lower rates. In fact, right now, with already lower rates and higher wages, real estate is more affordable than it's been in about three years, but overall, longer term, yeah, income properties still feel somewhat less affordable. It's less affordable than it was in pre pandemic times. That's for real for US investors, though, affordability is less about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting for you, that's why it still works for us as investors. Higher prices don't kill investors inaction during inflation does you're not so much buying a say, 350k property. You're controlling it with 70k while your tenant and inflation do the rest. We don't rely on hope or appreciation. We start with inflation, tax benefits and debt pay down, and then appreciation typically happens too. A lot of times, the question for us goes beyond whether or not a property is affordable. The question is whether owning an investment property is better than inflation compounding against us, which is an investor mindset for this era, Ridge landing gear. President Chaley Ridge is a regular guest here because the mortgage space is so dynamic and things change a lot. For that reason, we expect to have her with us every few months this year, I'll see you next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  50:01   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  50:30   The preceding program was brought to you by your home for wealth building, getricheducation.com   

In this video, I break down exactly how to run comps in a shifting market, how I personally analyze deals today, and how you should be underwriting properties so you don't overpay or get stuck holding inventory.   You'll learn: -Why sold comps matter less in changing markets -How to use active listings to gauge true competition -How pending sales reveal real-time demand -Why days on market can kill your profits -How to adjust your ARV and offers conservatively   Whether you flip houses, wholesale deals, or buy rental properties, this framework will help you make smarter offers and stay profitable even when the market isn't booming!   Questions? Contact me greg@velocityhousebuyers.com Instagram @grego_37

Are you hustling for cash flow but secretly terrified of buying the wrong property? What if you're obsessing over the wrong number… and it's killing your returns?In this punchy, numbers-driven solo, Kenny Bedwell (founder, STR Insights) reveals the overlooked metric that separates the real STR winners from the wannabes: ARV (After Repair Value). He breaks down why focusing only on cash flow or gross revenue is the most common — and expensive — mistake investors make, especially as the market shifts in 2026 and beyond. Learn how the savviest investors lock in instant equity, create options, and bulletproof their portfolios… while everyone else chases hype.Don't wait. Listen now to avoid the pain of a dud deal and embrace an approach that gives you more freedom, flexibility, and long-term wealth. There's no fluff here, just the data-driven truth no one else will say out loud.Timestamped Highlights[00:00] The #1 investor mistake that's rarely talked about—are you making it?[00:02:18] Why cash flow worship could backfire: brutal deal math exposed[00:03:45] The California trap: when betting on appreciation costs you real money[00:06:30] The $450k blunder: how over-improving can destroy your exit options[00:10:17] The illusion of “winning”—when high gross revenue is secretly a loss[00:14:21] Why 2026 will punish investors who ignore forced appreciation[00:17:01] Case study: how to engineer instant equity and triple your exits[00:24:47] Scouting for gold: how to spot ARV spreads in crowded markets[00:29:47] The real goal: buying so well, operations become nearly stress-freeMentioned ResourcesPriceLabsAirbnb (smart pricing)Hunter, New York (market example)Important LinksWant us to find the deals for you? https://strinsights.com Get Top Markers for STRs (2025) - https://rebrand.ly/28b1df Instagram – @kenny_bedwellYouTube – Cash Flow PositiveLinkedIn – Kenneth BedwellCash Flow Positive is an original podcast hosted by Kenny Bedwell. Brought to you by STR Insights. Production and editing by Podcast Your Brand.

Imagine being a broke college student delivering DoorDash orders just to pay rent. Now, imagine taking that same obsession with efficiency—shaving seconds off delivery times—and applying it to real estate. That is exactly how Josh Janus built a $15 million portfolio with hundreds of units in just three years.In this episode of UpFlip, Josh breaks down how he went from a $3,000 wholesale fee to managing 50+ rehab projects at once. He reveals the "Notebook Rule" that allowed him to scale, the hard lessons learned from losing $250k to bad contractors, and the exact criteria he uses to find off-market deals that no one else is looking for.In this episode, you'll learn:The DoorDash Mindset: How optimizing burger deliveries for tips taught Josh to identify the most motivated sellers in real estate.The 3-Pillar Strategy: The simplified framework (Financing, Deal Flow, Network) for starting in real estate with $0.Wholesaling 101: How Josh made his first $3,000 by selling information on a property he couldn't afford to buy.Finding "Hidden Equity": The specific search criteria (5+ years ownership,

Il y a un an, Donald Trump était élu président des États-Unis. Le nouveau locataire de la Maison Blanche est depuis omniprésent à l'international. En Afrique, le Nigeria et l'Afrique du Sud ont été directement concernés par un interventionnisme décomplexé… La fin de l'Agence des États-Unis pour le développement international (Usaid), quant à elle, a de lourdes conséquences humaines sur le continent. Les manifestants brandissent un immense drapeau du Venezuela dans les rues de Pretoria, capitale de l'Afrique du Sud. Celui des États-Unis, flotte en arrière-plan au-dessus d'une ambassade américaine surprotégée. Les slogans des manifestants sud-africains sont clairs : « Hands Off Venezuela », ‘Ne touchez pas au Venezuela.' » « Il s'agit d'une manifestation d'urgence, explique Mohammed Desai, de l'Association Afrique du Sud-Amérique latine, organisée par diverses organisations de la société civile sud-africaine, des partis politiques ainsi que des syndicats. Aujourd'hui, c'est le Venezuela qui est attaqué, demain, nous craignons que ce soit l'Afrique du Sud ! » Lors de la manifestation, le secrétaire général du Parti communiste sud-africain Solly Mapaila regrette le manque de réactions internationales. « À l'heure actuelle, tonne-t-il, les États-Unis font ce qui leur plait ! Il est regrettable qu'ils soient autorisés à le faire et que certains pays dans le monde n'aient pas réagi de manière appropriée... Nous refusons de vivre dans un monde monolithique dans lequel les États-Unis nous imposent une forme extrême de capitalisme de droite et de conservatisme, sans quoi ils ne nous considèrent ! » Nations unies, salle du Conseil de sécurité. Trois notes, les diplomates s'installent. La présidence somalienne prend le micro : la réunion 10085 du Conseil de sécurité est déclarée ouverte. Ce 5 janvier 2026, la désapprobation africaine face à l'intervention des États-Unis au Venezuela est cette fois-ci exprimée en termes diplomatiques, par la voix de l'ambassadeur Lewis Brown. Le représentant du Liberia aux Nations unies s'exprime devant le Conseil au nom du A3, le groupe des trois membres africains non-permanents du Conseil de sécurité : « De tels développements représentent des défis sérieux, non seulement par rapport à la stabilité interne du Venezuela, mais aussi parce qu'ils soulignent l'impératif de sauvegarder, plus largement, la paix et la sécurité de la région. Le A3 demeure ferme dans son engagement en faveur des principes fondamentaux du droit international, y compris le respect total de la souveraineté et de l'intégrité territoriale des États, tels qu'inscrits dans la charte des Nations unies, dans l'intérêt de la stabilité régionale et de la paix internationale. » Plusieurs gouvernements et organisations ont également marqué leur protestation par des communiqués : le Ghana, la Namibie, l'Union africaine ou l'Alliance des États du Sahel. Interventionnisme décomplexé  Le cas vénézuélien est devenu emblématique d'un interventionnisme décomplexé. Et l'Afrique est d'autant plus concernée par cette politique de puissance qu'elle en a elle-même été la cible. Dès février 2025, des frappes américaines sont déclenchées contre des cibles de l'organisation État islamique dans les montagnes du Golis, dans le nord de la Somalie. À la fin de l'année, c'est le Nigeria qui fait l'objet d'une intervention américaine, préparée et justifiée par un argumentaire sur mesure : l'existence d'un prétendu massacre de chrétiens dans le pays. Des frappes censées viser l'État islamique sont déclenchées le jour de Noël, le 25 décembre. En ce début d'année 2026, certains sur place s'interrogent encore sur les motivations réelles de l'intervention américaine… Comme le professeur Muktar Omar Bunza, qui enseigne l'histoire sociale à l'Université du Nord-Ouest à Sokoto, au Nigeria. « Avec ce qu'il s'est passé au Venezuela, explique-t-il, les gens ont l'impression que les Américains peuvent prendre n'importe quel prétexte, comme par exemple cette histoire de persécutions religieuses, que n'importe quoi peut servir de justification pour que les Américains s'emparent des ressources d'un endroit. Donc, les gens ont peur, ils craignent que ce soit juste une étape, ils perdent confiance dans l'idée d'une démocratie américaine qui respecterait les droits humains, ou qui les défendrait ». Le Grand invité AfriqueOusmane Ndiaye: «L'Afrique subit déjà la brutalité de Trump» L'inquiétude est d'autant plus forte que la parole développée autour de cette politique de puissance s'émancipe largement des faits, de la réalité du terrain. L'exemple nigérian n'est pas unique. L'Afrique du Sud a elle aussi dû endurer les déformations trumpiennes de la vérité. Depuis son retour au pouvoir, Donald Trump s'est érigé en défenseur des fermiers blancs qu'il considère victimes d'un « génocide » en Afrique du Sud. Cette affirmation ne s'appuie pourtant sur aucun fait. « Il nous ramène dans notre passé ! » Se rendre dans une ferme au nord de Pretoria aide à s'en rendre compte. Ici on élève des poulets et l'on produit des choux ou des poivrons. Le Dr. Ethel Zulu est nutritionniste de formation. Il y a une dizaine d'années, elle a choisi de devenir agricultrice, elle est aujourd'hui à la tête d'une propriété d'une vingtaine d'hectares. Le crime en milieu rural, raconte-t-elle, touche aussi (et surtout) la communauté noire. Elle en a elle-même été victime. « Avant, explique-t-elle, nous occupions notre maison entièrement, mais nous avons décidé d'y installer aussi certains de nos employés, pour ne pas être seules ma fille et moi. Comme ça on se sent un peu plus en sécurité. Vous savez, cette question de la sécurité dans les fermes est un problème qui touche toute la communauté agricole, ce n'est pas du tout un problème racial mais bien un problème national. » Sa réaction aux propos du président américain, à ses affirmations sur une communauté blanche prise pour cible et l'existence d'un « génocide » ? « Cet homme est raciste, c'est tout ! Parce que les incidents que subissent les agriculteurs noirs dans leurs exploitations, comme moi, personne n'en a parlé. Nous venons par exemple de perdre un cadre de notre coopérative - AFASA. Le 26 décembre 2025, ils sont entrés armés chez lui, lui ont dérobé tout son argent, puis l'ont tué ! Et on nous dit que les agriculteurs blancs sont plus vulnérables que les agriculteurs noirs ? Ce sont des mensonges, des absurdités, nous sommes tous des cibles ! D'une certaine manière, ces propos divisent le pays en raison de notre histoire. Nous essayons d'aller de l'avant, et lui, il nous ramène dans notre passé ! » Ethel Zulu sort son téléphone et ouvre WhatsApp. Apparaissent alors de nombreux groupes communautaires, symbole de l'entraide entre voisins. « Tous les membres sont des agriculteurs du coin… Là, c'est notre équipe d'urgence… » Dans ces groupes, les noms Afrikaners, de la minorité blanche, se mêlent aux noms africains. Illustration d'une communauté d'agriculteurs soudée, victime de la même criminalité, parce qu'isolée en milieu rural, loin des postes de police.  « Not in our name » De l'autre côté de l'Atlantique, malgré le rappel des faits et de la réalité de terrain, Donald Trump persiste. Le documentaliste Louis Gaigher et plusieurs dizaines d'Afrikaners ont co-signé une lettre ouverte dans la presse sud-africaine, « Not in our name », 'Pas en notre nom'. Une réponse aux propos américains. « Je pense que ce qu'il fait ici, ou plutôt le genre de rhétorique qu'il utilise, relève complètement de la suprématie blanche. Je trouve cela extrêmement opportuniste. Je ne peux parler qu'en mon nom, je refuse qu'on me présente comme un réfugié ou quelqu'un qui souffre à cause du gouvernement postapartheid et de la démocratie. »  En Afrique du Sud, 35 ans après la fin de l'Apartheid, la minorité blanche est encore très puissante économiquement et politiquement. Elle détient une grande majorité des terres du pays. Si la Nation arc-en-ciel est confrontée à bien des défis, Louis Gaigher et les autres signataires de cette tribune, refusent d'être « des pions dans les guerres culturelles américaines ». « L'administration américaine attaque notre politique de redistribution des terres. Mais ici nous avons l'État de droit qui doit toujours être protégé. Et c'est complètement ridicule que les Américains se plaignent de notre loi sur l'expropriation sans compensation ​alors qu'ils font précisément la même chose, et de manière très violente, avec le Venezuela, ou encore avec leurs projets pour le Groenland ! » Les cas nigérian et sud-africain viennent en tout cas confirmer que la manipulation décomplexée de la réalité est l'un des piliers de la gouvernance trumpienne. « Ce que Donald Trump a fait, c'est qu'il a reconfiguré ce que nous considérions comme ‘la vérité', analyse Trust Matsilele, maître de conférences à l'Université de Birmingham. La vérité ou les faits sont maintenant des concepts fragiles. À partir du moment où ils ne servent plus ses intérêts, ils peuvent être contestés ou rejetés. C'est ce qu'on pourrait appeler une ‘politisation de la vérité'. Certaines des choses qui avaient été vues comme des vérités établies sont remises en cause : le changement climatique, les concepts de démocratie et d'État de droit. Tout cela a été bousculé par la vision du monde de Donald Trump ». Le chercheur s'arrête sur les risques que fait courir un tel comportement : « La vérité doit être la vérité, quelle que soit votre position. À partir du moment où vous commencez à politiser tout cela, on bascule de la vérité objective à la propagande, la mésinformation, la désinformation et les fake news… » Des opinions publiques africaines partagées À Kinshasa, dans le quartier commerçant de la Gombe, la circulation est encore timide et les embouteillages n'ont pas encore fait leur apparition, ce matin-là. Les Kinois sont déjà sur le chemin du travail. Certains, comme Jacquemain, disent la crainte que leur inspire désormais Trump, en dépit de son engagement en faveur du processus de paix en République démocratique du Congo. « Auparavant, quand il était arrivé au pouvoir, on pensait qu'il allait faire de bonnes choses, surtout pour notre pays la RDC. On pensait que c'était dans notre intérêt, la population congolaise. Mais maintenant, quand on constate la politique qu'il est en train d'amener dans le monde, on se demande : est-ce que ce n'est pas par intérêt pour nos minerais ? On a ensuite vu ce qu'il s'est passé au Venezuela, et puis ça n'est pas encore fini, on attend encore maintenant bientôt le Groenland et tout ça. On se demande : qu'est-ce qu'il se passe dans la tête de ce président-là ? » Patrick, lui aussi, déplore les coups portés à l'ordre international. « Quand il est venu, regrette-t-il, il a montré l'image de quelqu'un qui voulait la paix. Maintenant, on est en train de remarquer qu'il crée des problèmes. Apparemment, il ne respecte pas les lois internationales. Il y a eu la Deuxième Guerre mondiale. Après, les gens se sont réunis pour établir des lois qu'ils devraient respecter. Apparemment, ces lois, lui, ne lui disent rien. Il fait ce qu'il veut. Alors, ça fait craindre. » Cela provoque des débats également à Abidjan, en Côte d'Ivoire, comme entre ces étudiants en anglais rassemblés dans une salle d'université. Beaucoup admirent le président américain. « Il faut dire que c'est un gars bien, estime Daniel, il exerce un pouvoir très exécutif. Ses partisans valorisent son leadership et aussi sa manière de prendre des décisions… Quand il veut faire, il fait ». « Le monsieur il est simple, avance de son côté Emmanuella. Il te dit “fais ça”, tu ne fais pas ça, il te voit directement comme un ennemi… Pour diriger, il faut avoir de la poigne, on ne peut pas diriger avec les sentiments ». L'interventionnisme américain au Venezuela ou au Nigeria n'émeut pas Ange, qui n'a pas 20 ans. Il voit Trump comme un modèle à suivre et approuve sa posture envers les États africains : « C'est un monsieur qui agit par intérêt et ses relations avec l'Afrique sont plutôt par intérêt. ‘Je vous apporte quelque chose si vous m'apportez quelque chose. Si vous ne m'apportez rien, je ne vous apporte rien !' Je pense que Donald Trump a eu cette intelligence-là et il fait bien. Un pays n'a pas d'amis, il n'a que des intérêts. Et je pense que Donald Trump applique cela et ça me fait plaisir de voir cela ». Ange rêve d'étudier aux États-Unis. Son espoir paraît compromis depuis le 1er janvier et la suspension de la délivrance de visas accordés aux ressortissants ivoiriens, une mesure jugée discriminatoire par beaucoup. « Une nouvelle approche mercantiliste » La diplomatie trumpienne navigue-t-elle à vue, comme l'assurent certains observateurs, ou a-t-elle une cohérence et une logique profonde ? Pour le professeur Adekeye Adebajo de l'Université de Pretoria, la politique internationale de Donald Trump s'inscrit dans le temps long de l'interventionnisme américain. « Je pense, explique cet universitaire, que ce que fait Trump s'inscrit dans la continuité de ce que les États‑Unis ont fait par le passé, car je ne crois pas qu'il soit forcément exact de le présenter comme une aberration totale. Il y a trente‑cinq ans, George Bush Père a envoyé des troupes américaines au Panama et ils y ont arrêté le dictateur Manuel Noriega, l'ont littéralement enlevé et emmené aux États‑Unis pour y être jugé et emprisonné… Donc, si nous connaissons notre histoire, nous savons que de nombreuses administrations américaines ont fait exactement ce que Trump a fait, ou des choses similaires ».  Le chercheur voit également dans le regard trumpien sur le monde une doctrine qui associe une nouvelle fois la puissance, le commerce et l'accès aux ressources minières. « Je pense que, fondamentalement, il y a un principe : il s'agit d'une nouvelle approche mercantiliste qui consiste essentiellement à freiner la mainmise de la Chine sur les minerais rares et à s'assurer que les États‑Unis aient effectivement accès à ces ressources. On a vu que ses efforts de “paix” dans la région des Grands Lacs, en RDC, au Rwanda, en Ukraine et ailleurs, ont aussi comporté des accords miniers. L'intervention et l'enlèvement du président vénézuélien portent évidemment aussi sur le pétrole, et je pense donc qu'une grande partie de tout cela tourne autour de la Chine, de l'équilibrage de la puissance chinoise et des garanties qu'elle ne puisse pas rivaliser avec les États‑Unis ». Adekeye Adebajo insiste sur un troisième aspect : la diplomatie trumpienne est marquée par sa volonté de défaire le multilatéralisme. C'est ainsi que les États-Unis sont récemment sortis de 66 organisations internationales. Et c'est ainsi qu'ils ont fermé l'Usaid, l'Agence américaine pour le développement international. Usaid : les lourdes conséquences d'une fermeture Le Soudan du Sud est l'un des pays qui en sort le plus affecté. L'assistance américaine a été divisée par plus de quatorze entre 2024 et 2025. Il n'aura fallu que quelques semaines après l'annonce de la fin d'Usaid pour en mesurer les conséquences dans la localité de Gurei, à l'ouest de la capitale du Soudan du Sud, Juba. Le centre de nutrition de Gurei prend en charge des enfants en malnutrition sévère. D'habitude très fréquenté, il est quasiment vide en ce mois de mars 2025. Les aliments thérapeutiques utilisés pour traiter la malnutrition infantile, les fameux sachets de pâte d'arachide enrichie fournis par l'Usaid, ne sont déjà plus disponibles depuis environ un mois. Quand Helen Furu vient faire examiner son fils Joseph, 1 an, elle doit faire ce constat douloureux : depuis la dernière visite, sa situation ne s'améliore pas, faute d'aliments thérapeutiques. « Mon mari est fonctionnaire et ça arrive souvent qu'il ne soit pas payé, confie Helen Furu. Quant à moi, quand j'étais enceinte de Joseph, je travaillais sur le marché et je me suis épuisée. Quand il est né, il était très faible et chétif. Quand il a été pris en charge ici, avec les traitements, son état s'est un peu amélioré. Chaque lundi, je viens ici pour le suivi mais ça fait un moment que les traitements à base de pâte d'arachide ne sont plus distribués, je ne sais pas trop quel est le problème. Cela m'inquiète car, quand il prend ce complément, il va mieux. J'ai envie de dire aux Américains de ne pas arrêter de soutenir les enfants du Soudan du Sud. Dans notre pays, très peu de gens vivent bien. La grande majorité souffre car il n'y a pas de travail ». Le directeur du centre de Gurei, Sarafino Doggal, porte une blouse blanche brodée du logo de l'Usaid, vestige de temps révolus. Debout dans son bureau face à un mur de tableaux statistiques, il appelle au soutien pour faire face aux besoins énormes de la population : « Hier, par exemple, nous avons reçu 325 patients venus de différents quartiers. Nous les recevons, mais le problème c'est que nous n'avons pas de médicaments. Il y a de nombreux enfants en situation de malnutrition. Vous voyez tous ces patients ? Ils viennent à la clinique le matin sans avoir pris de petit-déjeuner, pas même un thé. Ils vont passer toute leur journée ici, et puis rentrer chez eux où il n'y aura rien à manger. Les chefs communautaires m'ont dit que la situation empire, surtout en ce qui concerne la malnutrition infantile, à cause de l'arrêt des aliments thérapeutiques. Les enfants et leurs mères souffrent énormément. » Plusieurs mois ont passé et les conséquences de la fin de l'Usaid continuent à se faire sentir sur le continent, ailleurs. Comme à Addis-Abeba, la capitale éthiopienne. Aster pousse le lourd portail gris et entre dans la petite cour ombragée qui jouxte une école. Du linge encore mouillé pend sur deux longues cordes attachées à une maison blanche. Cet après-midi, une dizaine de jeunes travailleuses du sexe ont trouvé refuge, comme elle, dans ce centre d'accueil et de prévention du Sida de l'ONG éthiopienne Ishdo : « Je viens ici pour prendre une douche, me soigner, et on ne me demande pas de payer en échange. Je suis ici tous les jours depuis cinq mois, et cet endroit est très important pour moi. Je me sens heureuse et en sécurité ici. » Depuis son ouverture en décembre 2024, ce centre d'accueil est ouvert 7 jours sur 7. Hiwot Mekonnen est l'infirmière en cheffe de la structure : « Nos patientes passent le test de dépistage du VIH. Nous leur proposons également des services de planification familiale, un dépistage des problèmes de santé mentale, des violences sexistes et un test du cancer du col de l'utérus. » Plusieurs fois par semaine, l'équipe médicale organise aussi des séances de prévention, dans une petite salle aux murs tapissés d'informations sur la contraception féminine. Des préservatifs sont également à leur disposition. L'arrêt des financements de l'Usaid, bailleur principal d'Onusida qui finance la structure, a frappé de plein fouet les activités du centre. « Ces deux derniers mois, nous n'avons pu organiser ni les séances de prévention, ni les tests, explique Hiwot Mekonnen. Et si les femmes continuent leur activité sans préservatifs, cela augmentera la transmission du VIH. La situation est instable, et j'ai beaucoup de doutes ». Ces dernières années pourtant, les efforts d'Onusida avaient porté leurs fruits : 94% des personnes diagnostiquées séropositives recevaient ici un traitement antirétroviral, dit ARV. Désormais, l'agence de l'ONU doit compter sur le mémorandum signé en décembre dernier entre les gouvernements éthiopien et américain, d'un montant d'1 milliard et demi de dollars. Objectif affiché : « Renforcer les systèmes de santé publique et la prévention des maladies… »

90,000 wholesalers entered the market and only 12,000 will survive.In this live training, Brent Daniels sits down with RJ Bates III to break down what's really happening in the wholesaling industry and what it will take to win in 2026 and beyond. They dive into why most wholesalers fail, the danger of chasing vanity metrics, and how staying disciplined, profitable, and “boring” can be the key to long-term wealth.From seller motivation and closing philosophy to marketing mistakes, scaling traps, and why manufacturing deals can destroy your business, this episode delivers hard truths every wholesaler needs to hear.If you want to stay in the game while others wash out follow the TTP Training Program for more.---------Show notes:(1:55) Beginning of today's episode(3:47) Why most wholesalers fail after early success(6:08) Wealth-building vs. chasing vanity metrics(7:41) The danger of scaling before your business is self-sustaining(8:41) Why “boring” marketing wins in 2026(13:10) Doubling down on what already works(14:25) Coachability as the key separator in wholesaling(18:55) Aggressive rehab, conservative ARV, and buffer strategies(20:22) Asking the right questions to uncover seller motivation(21:33) Why not every lead should get a creative finance offer(22:57) The danger of manufacturing deals(25:03) Confidence, honesty, and closing the right deals(27:55) Legal risks of wholesaling sub-to deals(29:20) Transparency, disclosure, and protecting your business(1:03:45) 70% of your income comes from the last 6 months(1:41:57) Getting leads just by swiping your credit card----------Resources:Connect with RJ on InstagramDealMachinePropStreamBatch LeadsTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?

Real Estate Investing in 2026: Discover what's hot, what's not, and how creative investors can capitalize on shifting conditions. Phil, Brian Busch, and Devin Sheehan break down everything investors need to know about the year ahead. You'll learn:Why 2026 will be a year of less competition and more motivated sellersHow stagnant markets actually create predictable profitsWhy creative financing outperforms traditional investing in every cycleThe dangers of overestimating ARV and relying on active listingsHow new wholesaling laws could impact your strategyWhy labor shortages will make rehabs riskier than everThe #1 mistake aspiring investors make heading into 2026Why NOW is the time to get started — not six months from now

The 3 Biggest Mistakes Hard Money Lenders Keep Making (And Don't Realize!) - #313 In this episode of the Private Lenders Podcast, hosts Jason and Chris from Hard Money Bankers break down the three most common (and costly) mistakes they see private and hard money lenders make—mistakes that can put your capital, deals, and entire lending business at risk. Drawing from years of experience and real-world insights from running a nationwide private lenders mastermind, Jason and Chris explain how you can shortcut years of trial and error by avoiding these critical pitfalls. In this episode, you'll learn: ✅ Why not truly knowing your numbers is the #1 risk for hard money lenders ✅ The difference between ARV, as-is value, and liquidation value ✅ Why local market knowledge is essential for underwriting safe loans ✅ How capital structures can quietly take control of your business ✅ The hidden risks of debt funds, credit lines, and institutional capital ✅ Why doing everything yourself leads to burnout—and how building the right team and systems creates a scalable, lifestyle-friendly lending business Whether you're a new private lender or managing a growing loan portfolio, this episode dives deep into asset-based lending, underwriting best practices, capital control, and operational scaling—all with real examples from the field. ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind

This episode is a replay from our live Omaha REIA event in early November, where Ted brings back Casey Gregersen—Wyo Houses and Bighorn Capital—for a deep dive into the Revive Method, the strategy his team is on track to use for 100 flips and roughly $5M in revenue with dramatically reduced risk.Casey breaks down how investors, wholesalers, and private lenders can all plug into this model by using the “Big 3” filters (equity, time, and value-add), structuring deals so the seller shares in the risk, and baking his profit directly into the rehab budget instead of gambling on an uncertain ARV. He walks through real case studies, the underwriting spreadsheet he uses, and why this approach protects you when interest rates, comps, or contractors don't cooperate.You'll also hear Casey's story—going from W-2 at Shell to 400+ units, 70–100 flips a year, and still coaching his kids' teams—and how systems, processes, and a clear “why” (choosing family over work) shaped the way he now builds businesses and helps other investors do the same.If you're a fix-and-flipper tired of skinny margins, a wholesaler sitting on “almost” deals, or a lender looking for better-protected opportunities, this episode gives you a playbook you can start using on your very next lead.You can Join the Omaha REIA - https://omahareia.com/join-todayOmaha REIA on Facebook - https://www.facebook.com/groups/OmahaREIACheck out the National REIA - https://nationalreia.org/ Find Ted Kaasch at www.tedkaasch.com Owen Dashner on Facebook https://www.facebook.com/owen.dashner Instagram - https://www.instagram.com/odawg2424/ Red Ladder Property Solutions - www.sellmyhouseinomahafast.com Liquid Lending Solutions - www.liquidlendingsolutions.com Owen's Blogs - www.otowninvestor.com www.reiquicktips.com Propstream - https://trial.propstreampro.com/reianebraska/Timber Creek Virtual - https://timbercreekvirtual.com/services/MagicDoor - https://magicdoor.com/reia/...

⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: http://coachcarson.com/rpm   

MeidasTouch host Ben Meiselas reports on furious Canadian people striking back at Donald Trump after his awful meeting with Prime Minister Mark Carney in the Oval Office on Tuesday where he continued to threaten Canada's sovereignty and he continued to behave like a sociopath. Get 10% Off your entire order & take advantage of Ridge's Annual Sweepstakes by going to https://Ridge.com/meidas #RidgePod NO PURCH. NEC. Open to legal residents of 50 US/DC, Canada & the UK, age maj.+. Void where prohibited. Begins 8/1/25 and ends 9/15/25. 2 winners selected. Max Prizes total ARV: $380,000 USD / approximately $516,000 CAD / £306,800. Canadian skill-testing question required. Subject to Rules, including free entry method & odds: http://ridge.com/rules. Sponsor: The Ridge Wallet, LLC. AUCUN ACHAT NÉC. Ouvert aux résidents autorisés des 50 É.-U./D.C., du Canada et du R.-U., âge de maj.+. Nul là où interdit. Débute le 01/08/25, se termine le 15/09/25. Sélection de 2 gagnants. VDA totale max. des prix : 380 000 $ US / ~516 000 $ CA / 306 800 £. Question d'habileté mathématique (Canada) req. Sujet au règlement, incluant méthode de participation gratuite et chances de gagner : http://ridgewallet.ca/rules. Organisateur : The Ridge Wallet, LLC. Visit https://meidasplus.com for more! Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: https://www.meidastouch.com/tag/meidastouch-podcast Legal AF: https://www.meidastouch.com/tag/legal-af MissTrial: https://meidasnews.com/tag/miss-trial The PoliticsGirl Podcast: https://www.meidastouch.com/tag/the-politicsgirl-podcast The Influence Continuum: https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan Mea Culpa with Michael Cohen: https://www.meidastouch.com/tag/mea-culpa-with-michael-cohen The Weekend Show: https://www.meidastouch.com/tag/the-weekend-show Burn the Boats: https://www.meidastouch.com/tag/burn-the-boats Majority 54: https://www.meidastouch.com/tag/majority-54 Political Beatdown: https://www.meidastouch.com/tag/political-beatdown On Democracy with FP Wellman: https://www.meidastouch.com/tag/on-democracy-with-fpwellman Uncovered: https://www.meidastouch.com/tag/maga-uncovered Coalition of the Sane: https://meidasnews.com/tag/coalition-of-the-sane Learn more about your ad choices. Visit megaphone.fm/adchoices