Podcasts about biggerpockets

Want To Quit Your Job In The Next 6-18 Months Through Buying Commercial Real Estate & Small Businesses?

2025 is here, and the real estate market is showing signs of transition. In this episode, we explore the state of real estate investing as the housing market shifts from stagnation to recovery. With affordability, inventory, and new listings on the rise—and the Federal Reserve initiating a rate-lowering cycle—investors may finally see light at the end of the tunnel. But challenges remain. High borrowing costs, sluggish rent growth, and inflation continue to pressure investors, while regional disparities in appreciation rates highlight the importance of local market analysis. Join us as we break down key trends shaping the market, reflect on the recent past, and discuss why nimble and strategic investors can find incredible opportunities in 2025's evolving landscape. Whether you're looking for hidden value or preparing for long-term growth, this episode will help you adapt to the new era of real estate investing. Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Can you still achieve financial freedom with real estate investing? Around a decade ago, it was common knowledge that with a few rental properties, you could easily replace your income, retire early, and be fast-tracked to financial independence within just three to five years of investing. Is that possible anymore? How long will financial independence actually take if you start investing in real estate in 2025? And if you feel like you're almost there, should you quit your job and dive head first into real estate? We've got two financially free investors on the show, each taking different paths to get there. Dave kept his full-time W2 to pay for his more passive real estate investments, while Henry quit his job to buy rentals and flip houses full-time. Would they both be okay if they lost their “active” income today? Yes! But they STILL choose to work to build the dream life that goes far beyond basic financial freedom. Today, they're sharing how the financial freedom formula has changed, what you need to do to get on the path to financial independence/early retirement in 2025, and whether you should stay at your W2 while you build your rental portfolio or quit your job to pursue real estate full-time. The good news: financial freedom through real estate is still a significantly quicker route to retirement, but which path will you choose to get there? In This Episode We Cover: What “financial independence” really means and how long it will take for you to get there The cash flow myth that most new real estate investors believe (this could hurt you later!) Full-time real estate investing vs. keeping a nine-to-five and why you NEED “active” income to scale fast What to know about full-time real estate investing BEFORE you quit your job  And So Much More! Links from the Show Join BiggerPockets for FREE Let Us Know What You Thought of the Show! Ask Your Question on the BiggerPockets Forums BiggerPockets YouTube Grab Dave's New Book, “Start with Strategy” Find an Investor-Friendly Agent in Your Area How to Retire Early with Fewer Rental Properties Than You Think w/Chad Carson Connect with Henry Connect with Dave Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1069 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Want to start investing in real estate but don't know where (or how) to begin? Even as a brand-new beginner, you can buy your first investment property in 2025, regardless of how high home prices and interest rates get. Today, we'll break down how to find your first investment property, finance it, build a team (so you're not doing all the work), and manage it to start building real estate wealth. Feeling scared to start? Thousands of rookies were in your shoes at the start of 2024 and are now experienced investors. It's common to feel fear before buying an investment property, which is why, in this episode, we're going over the common worries and pitfalls that stop investors from starting and how you can get around them! We'll even share the exact markets we're looking to buy in this year, what types of properties we think have the most potential, and get into interest rate predictions for 2025! Don't sit on the sidelines; this is your chance to get into the game! Join BiggerPockets Momentum 2025 to supercharge your investing this year! In This Episode We Cover: How to start investing in real estate in 2025, even if you have zero experience Beginner steps to start and the two things you MUST do now before you buy The real estate markets we're looking to buy in during 2025 (copy our strategy!) What to do if you're too scared to start and stuck in analysis paralysis Building your investing team so you don't have to do all the work And So Much More! Links from the Show Ashley's BiggerPockets Profile Tony's BiggerPokckets Profile Join BiggerPockets for FREE Real Estate Rookie Facebook Group Real Estate Rookie YouTube BiggerPockets Calculators BPCon2025 BiggerPockets Forums Real Estate Market Analysis for Beginners | Rookie Resources Landlord-Tenant Laws of the US Join BiggerPockets Momentum 2025 to Supercharge Your Investing This Year Grab the Book “Long-Distance Real Estate Investing” Find an Investor-Friendly Agent in Your Area BiggerNews: This Area Has the BEST Cash Flow Potential in the Country (Lake Effect Cash Flow)    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-509 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Is America shifting toward a culture of lifetime renting, or is this just a trend limited to major metro areas? In this episode, we explore the rise of “forever renters,” a concept gaining traction in affluent cities like New York and Seattle, where renting is normalized and sometimes even preferred. We dive into survey data suggesting a growing number of renters see homeownership as unnecessary for the American Dream—but is this the full picture? Keep reading the article here: https://www.biggerpockets.com/blog/renters-by-choice-becomes-growing-trend Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

There will be some huge changes to the real estate market not only in 2025 but through 2028. With signs pointing to a supply slowdown, this may be one of the last chances to invest in real estate before prices, rents, and demand significantly rise. So today, right at the start of 2025, bringing on co-host and expert flipper James Dainard and multifamily expert (who correctly predicted the commercial real estate crash) Brian Burke to share the best strategies for 2025 and beyond. Every year, more and more people say it's not the right time to buy real estate, only for them to return the next year and wish they had purchased real estate. Let's make sure that isn't you in 2026. We're seeing some massive opportunities, with substantial price cuts in multifamily. But that's not all; there are single-family deals to be done in markets that the masses overlook entirely. James and Brian even share what they're trying to buy in 2025, the markets they think will have the best growth over the next ten years, and why you should be trying your absolute hardest to purchase investment properties before 2027 (we'll get into why in the episode!). Grab the “2025 State of Real Estate Investing” Report!  In This Episode We Cover 2025 housing market predictions and why we believe we're entering a new “cycle” The one investment strategy that works in ANY market and is best for 2025 Overlooked real estate markets (STRONG fundamentals) everyone is ignoring right now Why multifamily may have even better deals to come this year (the crash isn't over?) The supply bottleneck we're about to slam into in 2027 and how to take advantage in 2025 Most significant risks to real estate that we're foreseeing for 2025 (and how to survive them) And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Grab the “2025 State of Real Estate Investing” Report Join BiggerPockets for FREE Find an Investor-Friendly Agent in Your Area Dave's BiggerPockets Profile James' BiggerPockets Profile BiggerPockets Real Estate Podcast 1066 - The State of Real Estate Investing: What You Need to Know for 2025 Brian's BiggerPockets Profile Grab Dave's Book, “Start with Strategy” Jump to topic: (00:00) Intro (01:17) Has the Market Bottomed? (10:06) Expectations for This New "Cycle" (13:01) Keep Buying Rentals? (15:48) Huge Multifamily Discounts (22:02) Massive Buying Opportunities (32:24) Biggest Risks to Real Estate (38:41) What We're Buying in 2025 Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/on-the-market-286 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Can FHA loans be a stepping stone to your real estate empire? In this episode, we uncover the creative ways you can leverage FHA mortgages for real estate investing, even though they're traditionally designed for owner-occupants. From house hacking multifamily properties to mid-term renting and flipping homes with 203(k) renovation loans, we'll guide you through strategies to maximize your FHA loan's potential. Keep reading the article here: https://www.biggerpockets.com/blog/you-can-rent-your-fha-property-short-term-but-with-a-medium-term-timeline Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we dive into a compelling comparison between rental properties and REITs (Real Estate Investment Trusts), uncovering six reasons why REITs may actually be safer investments than rental properties. From the power of diversification to the benefits of limited liability and professional management, we break down the key factors that make REITs a less risky yet potentially more rewarding alternative. Keep reading the article here: https://www.biggerpockets.com/blog/why-reits-are-safer-than-rentals Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Will mortgage rates remain above seven percent in 2025? Are we closer to a recession than most Americans realize? Why does it feel like this economic cycle of high rates and a struggling middle class will never end? The biggest question is: What do all these factors mean for real estate, and should you still be investing? We brought on the man who literally wrote the book on Recession-Proof Real Estate Investing to give his 2025 outlook. J Scott has flipped over 500 homes, manages and owns thousands of rental units, and has been involved in tens of millions of dollars in real estate transactions. He started investing in 2008; he's seen the worst of recessions and the highest of pricing peaks. We brought him back on the show as our industry expert to provide his time-tested take on what could happen in 2025 and share his economic framework for forecasting what's coming next. J says we're long overdue for a recession—and the red flags are popping up more frequently. While signs of a global recession loom, J explains what this means for mortgage rates and home prices and why now might still be the time to invest. In This Episode We Cover: Why J believes we're closer to a global recession than most people think New Trump presidential policies that could have huge impacts on inflation (and mortgage rates) Whether mortgage rates will stay in the seven percent range EVEN as the Fed lowers rates The broken economic “cycle” we find ourselves in and the only way to fix it  Could home prices correct/crash if mortgage rates finally do fall? And So Much More! Links from the Show Join BiggerPockets for FREE Let Us Know What You Thought of the Show! Ask Your Question on the BiggerPockets Forums BiggerPockets YouTube J's Newsletter Principles: Life and Work by Ray Dalio Join the Future of Real Estate Investing with Fundrise Grab J's Top Real Estate Investing Books Find Investor-Friendly Lenders Read the Latest Blog Posts from J Connect with J Connect with Dave Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1068 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

“Do I have enough to retire?” is a question most people in the FIRE community grapple with, but today, we're sharing a FREE tool that will help you put this issue to bed! If you're concerned about running out of money later in life or developing “One More Year Syndrome,” you won't want to miss this episode! Welcome back to the BiggerPockets Money podcast! Software engineer Lauren Boland has developed a FIRE calculator that predicts whether your nest egg will be able to support you in retirement. This powerful tool takes dozens of key data points—such as your financial independence number, retirement age, annual expenses, portfolio mix, and historical returns—to simulate multiple retirement scenarios. In this episode, Lauren, Scott, and Mindy are going to walk you through this powerful tool, step-by-step! Does the four-percent rule still work in 2025? How much do you really need to save for retirement? Whether you're just starting your quest for FIRE or looking to tweak your investment portfolio as you approach retirement, cFIREsim will show you where you stand and what you might need to adjust to meet your retirement goals! In This Episode We Cover A step-by-step walkthrough of Lauren's FREE cFIREsim tool How much money you actually need to retire early Reverse-engineering your financial independence number Whether you can still retire on the four-percent rule in 2025 How to ensure that your money not only lasts but also grows in retirement And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group cFIREsim Tool Lauren's Bluesky Social Security Administration Get to FIRE Faster with Scott's Book “Set for Life” Find an Investor-Friendly Agent in Your Area How Much Do You Need for Early Retirement? (How to Calculate Your FI Number) Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-597 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Disney's streaming numbers show ad-supported tiers are a hit with consumers, and Amazon takes aim at the approach that made Google's ad business ubiquitous online. (00:39) Ron Gross and Jason Moser discuss: - What the December Fed minutes, latest jobs numbers, and final holiday shopping figures say about the big picture. - The first look at Disney's ad-supported streaming numbers, Amazon's plans to come after Google's ad turf, and Meta's changes to its content moderation policies. (19:03) Dave Meyer – head of real estate investing at Bigger Pockets – talks Matt Argersinger through the state of real estate and the markets he's watching in 2025. (33:43) Ron and Jason break down two stocks on their radar: Paylocity and Gannett. Listeners, you can become a member of Stock Advisor at Fool.com/signup Stocks discussed: DAL, DIS, META, GOOG, GOOGL, AMZN, ADBE, GCI, PCTY Host: Dylan Lewis Guests: Jason Moser, Ron Gross, Dave Meyer, Matt Argersinger Engineers: Rick Engdahl Learn more about your ad choices. Visit megaphone.fm/adchoices

Are great real estate deals gone for good? Not so fast! High interest rates, inflated home prices, and low inventory have made things difficult for investors, but by looking beyond the multiple listing service (MLS), you could uncover off-market properties that fly under the radar. In today's episode, we'll show you how! Welcome back to another Rookie Reply! If you're struggling to make the numbers work in today's housing market, you're not alone! Tune in to learn how we find “rare” rental properties that are either undervalued or overlooked. Not sure where to start your investing journey? We'll share three key factors that will help you narrow down your options and pinpoint the best real estate market for you. Stick around till the end as we discuss lease renewals, tenant turnover, and how to deal with a renter whose financial situation has changed! Looking to invest? Need answers? Ask your question here! In This Episode We Cover: Creative ways to find more off-market real estate deals in 2025 Three key factors to consider when choosing a market to invest in Why proper deal analysis is even more crucial when buying off-market How to determine whether you should offer tenants lease renewals Keeping your BEST tenants and avoiding costly tenant turnover And So Much More! Links from the Show Ashley's BiggerPockets Profile Tony's BiggerPokckets Profile Join BiggerPockets for FREE Real Estate Rookie Facebook Group Real Estate Rookie YouTube PropStream Privy NeighborhoodScout BrightInvestor Ask Your Question for a Future Rookie Reply Buy the Book “Finding and Funding Great Deals” Find an Investor-Friendly Agent in Your Area 5 Ways to Find Off-Market Real Estate Deals Like a Pro Real Estate Market Analysis for Beginners | Rookie Resources  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-508 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this month's market report, we analyze the shifting dynamics of the real estate market as 2024 came to a close. Nearly 60 major markets, including Raleigh, Salt Lake City, and Fort Wayne, experienced declines in home prices, signaling potential opportunities for investors. However, rising inventory and days on market didn't lead to price drops everywhere, with some markets holding firm or even appreciating. We explore regional trends, highlight the top-performing and cooling markets, and uncover why this transitional phase in real estate presents unique challenges and opportunities. Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Analysis paralysis is one of the biggest roadblocks holding wholesalers and real estate investors back from hitting their full potential. It's not just about the deals—it's about mindset. Today, Brent Daniels dives deep into breaking free from limiting beliefs that keep you stuck in mediocrity. Through actionable insights, he'll challenge your emotional intelligence and critical thinking, giving you the framework to achieve massive success in both your business and life. Don't wait another day to take control of your future—explore Brent's TTP training program  and learn how you can work with him personally to level up!---------Show notes:(0:50) Beginning of today's episode(2:15) Theory doesn't get you paid; making deals does. It's all about massive imperfect action!(5:28) There are three parts to your real estate business: lead generation, conversion, and exit strategy.(14:14) You won't lose deals because of excessive follow-up. You'll only lose sales if you don't follow up.(16:04) It's not all about price. It's about speed and convenience.(21:22) Remove all of your distractions before making that call.(24:00) Why wholesaling is the bank that funds your other deals----------Resources:BiggerPocketsZillowTo 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?

Today's call is a live call in our Action Academy Community w/ Rich Somers (@rich_somers)Want To Quit Your Job In The Next 6-18 Months Through Buying Commercial Real Estate & Small Businesses?

Looking for a way to offset skyrocketing housing costs while generating extra income? House hacking might be your answer. From renting out a room to converting your basement or even building an accessory dwelling unit (ADU), this strategy lets you leverage your primary residence for passive income. This guide breaks down modern house hacking, exploring options like small multifamily units, shared living spaces, and ADUs. We'll also cover the practical steps to rent out part of your home, including prepping the space, understanding landlord-tenant laws, marketing effectively, and drawing up a customized lease. Whether you're new to house hacking or a seasoned investor, this comprehensive guide offers actionable advice to maximize your returns while minimizing risks. Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Interest rates are up yet again, even after multiple Fed rate cuts in 2024. What's happening, and how long can this last? Bond investors worry inflation is here to stay. This concern forces bond yields—and mortgage rates—to grow. Can Jerome Powell and the Federal Reserve do anything to ease investors' minds or do we have a long road of high rates ahead of us? We're getting into it in this headlines show! Don't let rising rates stop you from building wealth; we have more stories that showcase an optimistic future outlook for real estate investors. From an incoming commercial real estate recovery that has been multiple years in the making to sellers finally submitting to the market and putting their homes up for sale, it's not all bad news going into 2025. One natural disaster-ravaged state finally puts its foot down and forces insurance companies to write policies in risky areas. Is this a much-needed government intervention, or will this shift the burden of high insurance costs onto investors and homeowners? We're sharing our opinion in this episode! In This Episode We Cover The “bond vigilantes” that are keeping yields high and rates above seven percent  Why, even after multiple Fed rate cuts, interest rates continue to rise The commercial real estate recovery and whether we're at the bottom for this struggling asset class Pricey home insurance premiums and the one state that's forcing new policies to be written Housing inventory updates and a sign that owners are finally ready to sell their low-rate homes And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Find Investor-Friendly Lenders Dave's BiggerPockets Profile Henry's BiggerPockets Profile James' BiggerPockets Profile Kathy's BiggerPockets Profile The Fed Cut Rates Again, But Could It Be the Last One? Treasury yields end 2024 with biggest yearly surge since historic 2022 rout California will require home insurers to offer policies in high-risk wildfire areas Will 2025 be a pivotal year of recovery in commercial real estate? Redfin Reports New Listings Rise 8%, Giving the New Year's Buyers More Homes to Choose From Run Your Real Estate Numbers the Right Way with Dave's Book, “Real Estate by the Numbers” Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/on-the-market-285  Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

There is an easier way to invest in real estate in 2025. It doesn't require a ton of money or experience; anyone can do it (even a complete beginner), and it'll lead to you having more money, more passive income, and a bigger bank account. Successful real estate investors agree: this is a “cheat code” to start investing in real estate in 2025. What are we talking about? It's not short-term rentals or buying apartment complexes; it's actually extremely simple—house hacking. Both Dave and Henry used this low-money down, high-impact real estate investing strategy to grow their portfolios to be worth multiple million dollars. It's the BEST way for a beginner to get into the real estate investing game and allows you to buy properties with just a fraction of a regular down payment. We're so convinced that it's the best bet for beginners that we're bringing on the BiggerPockets Real Estate Podcast producer Ian Kay, a complete real estate beginner, to walk him through how to use this exact strategy to start his real estate portfolio. We'll break down the numbers to show how one smart investment can fund your dream home and leave you tens of thousands richer. Ready to invest in 2025? Then don't sleep on house hacking! In This Episode We Cover: The easiest, most beginner-friendly way to start investing in real estate in 2025 One simple investing mistake that could cost you $60K+ (and how to avoid it) The steps you should start taking NOW to get your first investment property in 2025 How to analyze a house hack and crucial metrics to check BEFORE you buy In analysis paralysis? This is what to do NOW to get out of it and get closer to your goals And So Much More! Links from the Show Join BiggerPockets for FREE Let Us Know What You Thought of the Show! Ask Your Question on the BiggerPockets Forums BiggerPockets YouTube BiggerPockets Deal Finder Let Us Know What You Thought of the Show! Grab the Book on House Hacking, “The House Hacking Strategy” Find an Investor-Friendly Agent in Your Area House Hacking 101: What It Is and How to Get Started Connect with Ian Connect with Henry Connect with Dave (00:00) Intro (02:20) Want to Start Investing? (04:54) What Do YOU Want to Achieve? (08:23) House Hacking (Easiest First Investment) (18:42) Analyzing a House Hack (23:40) What to Do RIGHT NOW (32:59) Stuck in Analysis Paralysis? (34:13) Next Steps Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1067 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Fixing up a distressed property might be the BEST way to add value, whether you're looking to flip houses, BRRRR (buy, rehab, rent, refinance, repeat), or charge higher rents. But to avoid losing money, you've got to know what you're doing! Today's guest is an expert in home renovations, and in this episode, she'll walk you through the entire process! Welcome back to the Real Estate Rookie podcast! Investor Serena Norris has done over 200 deals (including more than 130 flips) in just TEN years, so she knows a thing or two about home improvements! Today, she will show you how to complete a rehab project, step-by-step. You'll learn about everything from forming partnerships and analyzing rentals to creating a pricing sheet in a new market, building a scope of work, and effectively managing your contractors. Whether it's your first time managing construction or you're looking for systems and processes that will help your jobs run smoothly, you don't want to miss this renovation masterclass. Serena offers plenty of nuggets that will help you finish your projects on time AND on budget! In This Episode We Cover: Serena's BEST renovation tips, tricks, and hacks (learned from 130+ flips!) How to manage a home renovation project from start to finish How to divvy up responsibilities in a real estate investing partnership Building your pricing sheet when diving into a new market How to estimate rehab costs and create your own scope of work The two most common mistakes new investors make on rehab projects And So Much More! Links from the Show Ashley's BiggerPockets Profile Tony's BiggerPokckets Profile Join BiggerPockets for FREE Real Estate Rookie Facebook Group Real Estate Rookie YouTube Grab “The Book on Estimating Rehab Costs” Find an Investor-Friendly Agent in Your Area Real Estate Rookie 488 – How I'm Flipping 12 Houses (at Once!) All While Traveling Serena's Instagram (00:00) Intro (00:50) Serena's Portfolio & Partnerships (07:23) Building Your Pricing Sheet (15:55) Creating a Scope of Work (25:24) Working with Contractors (34:08) How to Manage Rehab Projects (43:47) Connect with Serena! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-507 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

When I first dipped my toes into the world of house flipping, I was filled with excitement and a fair share of naiveté. I had dreams of turning rundown properties into beautiful homes and reaping the rewards of my hard work.  But, like many aspiring investors, I faced my share of setbacks. I experienced the sting of failure, but I learned invaluable lessons along the way that helped me rebuild and ultimately thrive in this business.  If I could go back in time, there are key insights I wish I had known from the start. Here are five things I've learned through trial and error—lessons that could save you from the pitfalls I encountered. Whether you're just starting out or looking to refine your approach, these insights will help you avoid the mistakes that can turn your next flip into a flop.  Keep reading the article here: Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Ramit Sethi, the money and couples' finances expert, is back! This time, he's teaching you how to have life-changing money conversations with your partner so you can build a “rich life” together and even FIRE faster! You may know Ramit from his popular book, I Will Teach You to Be Rich, or his Netflix series How to Get Rich, but today, he's sharing brand new insights, techniques, and lessons from his newest book, Money for Couples!  If you're a FIRE freak like us, you may have a partner who's having a tough time getting on the same financial page as you. You see their eyes glaze over as you pull up spreadsheets, talking about compound interest and the savings from switching to non-organic broccoli. We're sure it's well-intentioned, but this could be doing more harm than help. If you want to enjoy getting “rich” with your partner, have more time to do the things you love, and build your wealth as a partnership instead of constantly persuading your other half, this is the episode to catch! Ramit shares his “script” for having crucial money conversations, diagnoses which “money type” you fall into, and gives the steps to escape the “Middle-Class Trap”!  In This Episode We Cover How to start a “money conversation” with your partner (EVEN if they aren't into FIRE) The money dates you must have to get on the same page  The four “money types” and how knowing yours can strengthen your relationship  What the FIRE movement gets wrong about money (it's not all about dollars and cents!) Escaping the “Middle-Class Trap” of not being able to retire EVEN when you're wealthy The most surprising thing that Ramit has learned about money in most relationships  Why Ramit rents and has NO INTEREST in buying a house!  And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Grab Scott and Mindy's Book, “First-Time Home Buyer” Find an Investor-Friendly Agent in Your Area BiggerPockets Money 243 - Ramit Sethi's Money Advice for Couples: Live a Rich Life, Together BiggerPockets Money 73 - Ramit Sethi Will Teach You to Be Rich! BiggerPockets Money 127 - Planning for the Unexpected: Being Financially Ready to Take Advantage of Opportunities w/Ramit Sethi Money for Couples How to Get Rich  Ramit on X Hear Ramit Interview Mindy “We achieved FIRE with $4.3M. Why can't we enjoy it?” (00:00) Intro (01:01) Ramit is Back! (03:49) The Money Conversation "Script" (09:50) What Couples Should Do (12:28) Your Money "Type" (19:06) Hard Money Talks (24:32) Do You Do This? (30:17) Escaping the "Middle Class Trap" (42:43) Most People DON'T Know This! (46:29) Renting vs. Buying a House (59:52) STOP Caring What Others Think (1:03:07) Grab Ramit's Book! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-595 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's guest Vince (@vince.gethings) talks about how he scaled his apartment portfolio to over $100M (and the wins and losses associated with it)Want To Quit Your Job In The Next 6-18 Months Through Buying Commercial Real Estate & Small Businesses?

The Raleigh and Charlotte, North Carolina, metros grew tremendously over the past five years, with a population growth of 11.53% and 8.81%, respectively (the U.S. average was 2.94%). Raleigh also had a 64.2% increase in its median price, while Charlotte experienced a 76.9% increase (the U.S. average was 46.9%). Keep reading the article here: https://www.biggerpockets.com/blog/north-carolina-could-be-the-next-boom-state Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

The opportunity coming for real estate investing in 2025 is almost unimaginable. A decade from now, if you buy right, you'll be looking back thanking yourself for planting the seed of financial freedom, generational wealth, and an early retirement. This isn't just hype or hope because we're real estate investors—all the data points to one thing: real estate is the best investment of 2025 and will continue to be so throughout the next decade. This show is a bit different. Dave has done months of research to give you the single strongest case for real estate investing in 2025 and beyond. Don't believe real estate is the best place to park your money? Listen to this episode and see whether Dave gives the most convincing argument you've ever heard for buying investment property. This new era is brimming with “upside,” so much so that we're calling this the “Upside Era,” a new dawn for real estate investing that will lead you to financial freedom in fifteen years (or less), get you to your financial goals, and leave you better off than any of the other investments around, whether that's stocks, bonds, or crypto. Don't delay. The “Upside Era” starts now. The only question is, will you be part of it? In This Episode We Cover: Why real estate is still the single greatest asset for achieving financial freedom The reason why 2025 is a prime time for investing in real estate  Whether the high cash flow and easy deals of the 2010s will ever return Data pointing to home prices and rent prices rising well into the future  Dave's ten core principles to follow that will lead you to wealth in the “Upside Era” The best resource on the planet to get free information on real estate investing  And So Much More! Links from the Show Join BiggerPockets for FREE Let Us Know What You Thought of the Show! Ask Your Question on the BiggerPockets Forums BiggerPockets YouTube Grab Dave's Book, “Start with Strategy” Find an Investor-Friendly Agent in Your Area Real Estate Investing For Beginners: How To Get Started Connect with Dave   (00:00) Intro (02:23) The Case for Real Estate (03:11) 1. Financial Independence (06:37) 2. Huge Demand for Housing (08:31) 3. Market Stability (09:24) 4. Income Replacement (10:13) 5. Diverse Returns (10:49) 6. Stock Market Hedge (11:43) 7. Inflation Hedge (12:25) 8. Tax Advantages (12:55) 9. Valuable Service Provider (13:46) “It's Not as Good as Before!” (17:19) The "Upside" Era Begins (20:48) What to Know for 2025 (27:02) Thrive in the "Upside" Era Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1066 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Nick Lamagna on The A Game Podcast with our guest "Mr TTP" Brent Daniels real estate investor and owner of Wholesaling Inc.   A former Real Estate agent fighting out of Arizona who experienced a major financial setback to the tune of over 700k dollars and in true Rocky fashion fought off the canvas to reinvent himself and become a successful business owner, real estate investor, podcast host and entrepreneur. He went from door knocking and cold calling for listings to calling for contracts going from a six figure real estate agent to a 7 figure real estate investor when he figured out the strategy of wholesaling real estate. As he mastered the art of finding deals at a discount his world opened up to possibilities of building a business and finding success he could scale. He now shares his information and passion through his podcasts and Youtube channel where you can find him giving incredible advice on the Wholesale hotline Podcast and Wholesaling Inc Podcast.   He discovered you could find profits in Real estate using your voice to pick up the phone and Talk To People to make millions. He is the founder of Talk to People, a platform to help investors get their first or next deal.  He is a high energy natural leader with the biggest biceps in the Business! Topics for this episode include: ✅ Is this the end of the line for real estate wholesalers? ✅ The three things a real estate investor needs to make money ✅ The most common way to LOSE MONEY in real estate ✅ Learn these six responses and close more deals over the phone ✅ The best properties to target for your first real estate deal ✅  Four steps to closing more real estate deals + More See the show notes to connect with all things Brent and TTP! Connect with Brent: Brent Daniels on Facebook Brent Daniels on LinkedIn Brent Daniels on TikTok Brent Daniels on Instagram Brent Daniels on Youtube   Connect with Wholesaling Inc and TTP: https://www.wholesalinginc.com/ Wholesaling inc on Facebook Wholesaling Inc on LinkedIn Wholesaling Inc on Twitter Wholesaling Inc on TikTok Wholesaling Inc on Instagram Wholesaling Inc on Youtube Wholesaling Inc Podcast Wholesale Hotline Podcast www.talktopeople.com   --- Connect with Nick Lamagna www.nicknicknick.com Text Nick (516)540-5733 Connect on ALL Social Media and Podcast Platforms Here FREE Checklist on how to bring more value to your buyers

Want to build a thriving real estate business in 2025? There's a major mindset shift you need to make if you want to be successful in today's market. Whether you want a couple of cash-flowing rental properties or dream of building a multimillion-dollar company, like Steve Rozenberg did, you won't want to miss this episode! Welcome back to the Real Estate Rookie podcast! When Steve was furloughed from his job as an airline pilot, he knew he needed another way to make money. He dabbled in several real estate strategies—flipping houses, wholesaling, and buy and hold investing—and experienced his fair share of failure along the way. But what he discovered was that the cost of inaction was much higher than the cost of action. By educating himself, learning from his mistakes, and laying the proper foundation for his business, he was able to scale a multimillion-dollar property management company! In today's episode, Steve will give YOU the blueprint for starting your own real estate business this year. You'll learn about the two biggest mistakes new investors make, the systems and processes that will allow you to scale, and how to identify the perfect investing strategy for you! In This Episode We Cover: The blueprint Steve used to build a multimillion-dollar company The crucial mindset shift you need to succeed in today's market The two biggest mistakes new investors make when starting out How to lay the proper foundation for your real estate business (in five steps!) Creating systems and processes that allow you to scale your real estate portfolio The number of standard operating procedures (SOPs) you actually need How to choose the perfect investing strategy for you in 2025 And So Much More! Links from the Show Ashley's BiggerPockets Profile Tony's BiggerPokckets Profile Join BiggerPockets for FREE Real Estate Rookie Facebook Group Real Estate Rookie YouTube The Checklist Manifesto Buy the Book “Scaling Smart” Find an Investor-Friendly Agent in Your Area How to Build Effective Systems in Your Real Estate Business Connect with Steve (00:00) Intro (01:22) Starting from Zero (05:07) Mindset Shift & Critical Mistakes (10:41) HUGE Lessons Learned (18:35) The Secret to Scaling (25:43) Building Systems & Processes (33:31) The “One-Page” SOP (40:23) Connect with Steve! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-506 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Real estate investing is one of the best ways to build wealth, but there's a hidden trap that even seasoned investors fall into—it's called poor bookkeeping practices that quietly drain profits and put portfolios at risk. You may have written deals on a napkin or put the receipt for purchasing materials in your glove compartment before, but that could leave you scrambling at the worst times.  The bookkeeping, accounting, and banking system you choose will determine whether you avoid these headaches or continually “eat” those small charges that add up like sneaky calories in your favorite late-night snack. I know I'm guilty of letting multiple little purchases get miscategorized, forgotten, or even worse—charged to the wrong property. Over time, these little slip-ups can cost you thousands, and the only one who ends up happy about that is the IRS. The crazy thing is that real estate taxes and accounting nuances can work in your favor—when things are correctly documented and categorized. But getting it wrong? Well, that's like building a house without a blueprint—risky, expensive, and more than a little stressful. Let's break down the five most common bookkeeping mistakes real estate investors make that can lead to thousands of dollars slipping through the cracks—and, more importantly, how to fix them before it's too late. Keep reading the article here: https://www.biggerpockets.com/blog/investors-can-lose-thousands-by-not-bookkeeping-right Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to the 2025 housing market! It's a new year, and if you're ready to invest more, get closer to financial independence, or finally find and buy your first home, we're here to help. We've got BIG plans for 2025 and are watching some key economic indicators to help us decide what to do next. But we have already zeroed in on a few investments we're eager to invest in. Curious about where we're putting our money in 2025? We'll share exactly where—and why! We're recapping our 2024 progress and giving you tips on what to buy based on your goals. Some of us are scaling down this year while others are scaling up, but we all have the same advice for someone who wants to get into the real estate investing game. If you follow this simple, repeatable path we're laying down, you'll be investing in no time. Don't let 2025 pass you by! You could regret sitting on the sidelines! Tune in, take notes, and let's get wealthier together this year! In This Episode We Cover Why 2025 is already shaping up to be an excellent year for real estate investors and homeowners Dave's 2025 mortgage rate range and whether we'll see some interest rate relief The reason why home prices could still grow even with so many potential homebuyers sitting on the sidelines Are foreclosures and mortgage delinquencies a threat to the housing market? Why 2026 could be the year everything changes for rent prices (and what to expect in 2025) And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Find an Investor-Friendly Agent in Your Area Dave's BiggerPockets Profile BiggerPockets Real Estate Podcast 1041 - How to Invest in Real Estate in 2025 (with NO Experience) Get Ready to Invest with Dave's Book “Start with Strategy” Jump to topic: (00:00) Intro (00:58) Are We at the Bottom? (01:59) Mortgage Rate Prediction  (06:38) Home Price Growth Prediction (12:04) Trump's Taxes and Tariffs (14:14) Rent Price Growth Prediction Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/on-the-market-284  Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Wanderlust Wealth Show, Olivia welcomes Rachel Gainsbrugh, a retired pharmacist born in Haiti, who has transformed her career to become an expert in luxury short-term and mid-term rentals. Rachel is also an educator, public speaker, podcast host, course creator, coach, and a mom. The conversation delves into Rachel's transition from a substantial student loan debt to strategic real estate investing. They discuss Rachel's initial encounters with platforms like BiggerPockets and the challenges and learnings associated with her first property investments, including a 20-door unit in Georgia. Rachel shares valuable insights on finding the right markets, the importance of alignment with investment strategies, and the pivotal role of midterm rentals in her portfolio. They also touch upon the emotional journey of quitting a conventional career, and Rachel's journey is illustrated with anecdotes about personal growth, financial strategies, and the importance of financial literacy. Don't miss this episode for inspiration and actionable advice on real estate investing and achieving financial freedom! Link to the webinar: https://oliviatati.easywebinar.live/event-registration-5 Book a call to see if you would be a good fit for Wanderlust Wealth Academy: https://calendly.com/theoliviatati/wanderlustwealthacademy Learn more about WWA here: https://www.oliviatati.com/wwa Hang out with me on IG: @theoliviatati / @wanderlustwealth.show  Watch this episode on Youtube: https://www.youtube.com/@Theoliviatati/

If you are lucky enough to have a spare room in your house that is not filled with random junk, congratulations—you may be sitting on some extra cash. The threat of a roommate eating your leftovers is not as high as the cash flow you can bring in, so let's dive into how to turn your extra room into extra revenue.  Once you find a tenant, our friends from Baselane will be able to help you screen the tenant, help collect rent online, and mange all your rental finances with a business checking account and free bookkeeping software. This will save you 2-4 hours of work per unit per month. Keep reading the article here: https://www.biggerpockets.com/blog/the-basics-to-renting-out-one-of-your-rooms Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

“I saved up a million dollars—and all I got was this lousy $40,000 a year.” That's the metaphorical T-shirt that the average retiree wears.  Actually, it's worse than that. The average retiree aged between 65 and 74 doesn't have a million dollars saved as a nest egg. They have $609,230, and that's the mean average, not the median. You can be sure the median is a lot lower.  Based on the traditional 4% rule, the average retiree takes an annual income of just $24,369 from that nest egg. Don't blow the party kazoos all at once.  All this means that the traditional retirement model just doesn't work well. To put it bluntly, the math sucks.  I can do better—and so can you.  Keep reading the article here: https://www.biggerpockets.com/blog/the-problem-with-paper-assets-for-retirement-planning Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, we're releasing our 2025 housing market predictions, and let's just say we're feeling optimistic about the future. Many of you may have been waiting for a housing crash or correction. But where is it? In short, it never happened. Home prices kept climbing, rent prices finally stabilized, and mortgage rates stayed at eye-watering highs. What's coming next for the 2025 housing market? Are things about to get better (or worse) for homebuyers and real estate investors? This is when Dave takes out his crystal ball (federal housing data and spreadsheets) to predict what's to come in the new year. He's giving his full forecast on three crucial topics, home prices, mortgage rates, and rent growth, and explaining his predictions and reasoning behind them. If Dave is correct, it may be a good year for real estate investing. Don't believe us? Stick around! Coming up after this episode, Dave is piggybacking off of these predictions to show you why real estate could be the single greatest investment in the coming years. If you're on the fence about buying a home or investing for the first time, this data-driven episode could get you out of analysis paralysis! In This Episode We Cover: Why 2025 is already shaping up to be an excellent year for real estate investors and homeowners Dave's 2025 mortgage rate range and whether we'll see some interest rate relief The reason why home prices could still grow even with so many potential homebuyers sitting on the sidelines Are foreclosures and mortgage delinquencies a threat to the housing market? Why 2026 could be the year everything changes for rent prices (and what to expect in 2025) And So Much More! Links from the Show Join BiggerPockets for FREE Let Us Know What You Thought of the Show! Ask Your Question on the BiggerPockets Forums BiggerPockets YouTube Get Ready to Invest with Dave's Book “Start with Strategy” Find an Investor-Friendly Agent in Your Area How to Invest in Real Estate in 2025 (with NO Experience) Connect with Dave Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1065 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Want to know how to make $100 a day in 2025, all while working from home? We brought the queen of side hustles, Jackie Mitchell, back on the show to share how her money-making journey has been going. Jackie set a goal to make $100 a day to save up for a down payment. She did just that, making close to $11,000 in total in her one-hundred-day side hustling stretch. Now, she's bought a house, still side hustling, and saving a TON of money. How's she doing it? Jackie reveals the easiest and most profitable side hustles from her $100-a-day challenge. Some side hustles made her $500 for just three hours of work, while other more casual tasks paid her anywhere from twenty to twenty-five dollars per hour while she was hanging out at home. But what has she done with that extra money? Today, Jackie shares the huge money moves she's made to put herself in a FIRE position early on in life. She's got a big goal: pay off her new house in her thirties! Can she do it? With these side hustles, it's looking likely. Plus, she shares how she pays for trips, holiday gifts, and more with her easy work-from-home side hustles anyone can sign up for. In This Episode We Cover The $100-a-day work-from-home side hustles you can do entirely online  One side hustle that paid Jackie over $100 per hour and how she found it The time-consuming side hustle that is NOT worth the money  Paying off your mortgage early vs. investing and why Jackie is going against FIRE advice  Budgeting hacks Jackie and her husband use to spend just eighty dollars a week on groceries (seriously!) Why Jackie DOESN'T want to retire early (but WILL still reach financial independence!)  And So Much More! Links BiggerPockets 299 - Food Spending Eating Away at Your FI Plans? Here's How to Eat for Cheap w/Budget Bytes BiggerPockets Money 590 w/All the Hacks' Chris Hutchins  BiggerPockets Real Estate 955 -  Real Estate vs. Stocks, the Ultimate Wealth-Building Debate w/The Motley Fool and Chris Hutchins Jackie's TikTok Jackie's Newsletter r/beermoney Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-595 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

What's the “right” way to build your real estate portfolio? Once you've taken down your first rental property, should you focus on paying it off? Or should you buy more properties, even if it means taking on even more debt? You'll want to hear where we stand in today's episode! Welcome back to another Rookie Reply! Today, Tony and Ashley are digging through more of your recent real estate-related questions. First, we'll discuss paying off your mortgage versus using that money to buy more rental properties. After that, we'll compare the pros and cons of FHA loans and show you an easy way to estimate closing costs. We'll also cover some other low-money-down loans that you may have never heard of! Finally, are you struggling to fill vacant units? Tired of apartment tour no-shows? Stay tuned because we've got a strategy that makes “serious” applicants stick! Looking to invest? Need answers? Ask your question here! In This Episode We Cover: Whether you should focus on paying off your mortgage or buying MORE rentals The pros and cons of getting an FHA loan for your rental property The “hidden” closing costs you CAN'T afford to miss (and how to calculate them!) The best ways to put low money down on your next property Finding “serious” applicants for your rentals (and lower vacancy rates!) How to save time by streamlining your rental application process And So Much More! Links from the Show Ashley's BiggerPockets Profile Tony's BiggerPokckets Profile Join BiggerPockets for FREE Real Estate Rookie Facebook Group Real Estate Rookie YouTube Sample Closing Disclosure NACA USDA Eligibility Map Ask Your Question for a Future Rookie Reply Grab “The Book on Rental Property Investing” Find Investor-Friendly Lenders Real Estate Rookie 261 – How Nancy Rodriguez from ‘Love Is Blind' Hit Financial Freedom BEFORE Fame Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-505 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Suburban migration didn't end with the pandemic. If anything, we've seen a long-term shift in American priorities concerning housing, which has led to an increasing number of households moving out of the city and into the suburbs. When people head out to the ‘burbs, real estate investors would do well to follow. We have a saying in real estate that we look for the path of progress. Sometimes, this is revitalizing or rezoning areas to include new housing or businesses. Sometimes, it is simply the trend of where people are moving.  Keep reading the article here: https://www.biggerpockets.com/blog/8-reasons-suburban-housing-should-be-your-go-to-investment Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

In my previous article on the uniquely American suburbs, I delved into their controversial history. Here, I'll focus on the political and social critiques of America's particularly car-centric and sprawled form of suburban development. A third and final piece will look at the financial picture, as well as the suburbs' viability, both for the country and investors. Conspiracy theories that the suburbs were created to drive demand for automobiles are, for the most part, backward. It was, in actual fact, the mass adoption of the automobile that drove the creation of the suburbs. Of course, big business (Levittown) and government policy (the creation of the interstate highway system and urban renewal) also played a part in the expansion of America's car-centric suburbs.  But even if the causes of America's suburban sprawl were completely benign, that doesn't mean that the suburbs as currently constituted are good nor sustainable nor a place for quality, long-term investments. It is to these questions we now turn. Keep reading the article here: https://www.biggerpockets.com/blog/are-the-suburbs-a-soul-crushing-abomination Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to the 2025 housing market! It's a new year, and if you're ready to invest more, get closer to financial independence, or finally find and buy your first home, we're here to help. We've got BIG plans for 2025 and are watching some key economic indicators to help us decide what to do next. But we have already zeroed in on a few investments we're eager to invest in. Curious about where we're putting our money in 2025? We'll share exactly where—and why! We're recapping our 2024 progress and giving you tips on what to buy based on your goals. Some of us are scaling down this year while others are scaling up, but we all have the same advice for someone who wants to get into the real estate investing game. If you follow this simple, repeatable path we're laying down, you'll be investing in no time. Don't let 2025 pass you by! You could regret sitting on the sidelines! Tune in, take notes, and let's get wealthier together this year! In This Episode We Cover The easiest way for beginners to start investing in real estate in 2025 Key economic indicators we're watching during the 2025 housing market What strategies we're switching up in 2025—and what won't work this year How to invest based on your goals and whether you should prioritize active vs. passive income Our 2025 goals: how many properties we'll buy, flip, or test with new strategies And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Find Investor-Friendly Lenders Dave's BiggerPockets Profile Henry's BiggerPockets Profile James' BiggerPockets Profile Kathy's BiggerPockets Profile On The Market 269 - 2025 Housing Market Predictions (+ How'd We Do Last Time?) Grab Henry's New Book, “Real Estate Deal Maker” The House Flipping Framework Scaling Smart Start with Strategy Jump to topic: (00:00) Intro (03:47) How to Start in 2025  (17:26) What to Buy (Based On YOUR Goals)  (22:51) Our 2025 Goals  (33:47) What We're Looking Forward To Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/on-the-market-283  Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ready to learn from one of the top short-term rental experts in the game? In this episode of the Smart Stay Show, we're joined by Garrett Brown, the resident expert at Bigger Pockets, who shares his journey from hospitality to real estate success. Garrett reveals how his background in hotels and restaurants shaped his approach to managing multiple short-term rentals. He also talks about the importance of staying positive, adapting quickly, and creating consistent content—even when it doesn't yield instant results. Looking for tips on managing properties or discovering the next big short-term rental trend? Garrett has it covered. From finding rising hot spots to offering unique guest experiences, this episode is packed with valuable insights for anyone in the STR world. Things we discussed in this episode: Garrett Brown's background in hospitality and hotel/restaurant management Garrett's journey of discovering Bigger Pockets and how it sparked his real estate investing Garrett's role as the resident short-term rental expert at Bigger Pockets The launch of Garrett's Bigger Stays newsletter The importance of not dwelling on small issues and accepting that not everyone will be pleased Garrett's experience attending Bigger Pockets Con and the unexpected hurricane The value of building credibility through consistent content creation Garrett's strategies for managing short-term rentals, including well-trained teams and processes Garrett's approach to attracting co-hosting opportunities through his content Garrett's prediction of the rise of "rising hot spots" as the next big short-term rental trend Get in touch with Garrett: Tiktok- https://www.tiktok.com/@garrettbrownre Instagram - https://www.instagram.com/garrettbrownre/# Website - https://www.biggerpockets.com/ #SmartStayShow #realestate #realestateinvestor #realestateagent #RealEstateInvesting #AirbnbManagement #ShortTermRentals #AirbnbHosting #HospitalityIndustry #RealEstateInvesting #BiggerPockets #ContentCreation #GuestExperience #SystemsAndProcesses #RisingHotSpots #ShortTermRentalTrends Follow Us! Join Jason Muth of Prideaway Stays and Straightforward Short-Term Rentals and Real Estate Attorney / Broker Rory Gill for the first episode of SmartStay Show! Following and subscribing to SmartStay Show not only ensures that you'll get instant updates whenever we release a new episode, but it also helps us reach more people who could benefit from the valuable content that we provide. SmartStay Show Website and on Instagram and YouTube Prideaway Stays Website and on Facebook and LinkedIn Straightforward Short-Term Rentals Website and on Instagram Attorney Rory Gill on LinkedIn Jason Muth on LinkedIn Hospitality.FM SmartStay Show is part of Hospitality.FM, a podcast network dedicated to bringing the best hospitality-focused podcasts to those in and around the industry, from Food + Beverage, Guest Experience, Diversity & Inclusion, Tech, Operations, Hotels, Vacation Rentals, Real Estate Law, and so much more!

Welcome to the 2025 housing market! It's a new year, and if you're ready to invest more, get closer to financial independence, or finally find and buy your first home, we're here to help.  We've got BIG plans for 2025 and are watching some key economic indicators to help us decide what to do next. But we have already zeroed in on a few investments we're eager to invest in. Curious about where we're putting our money in 2025? We'll share exactly where—and why! We're recapping our 2024 progress and giving you tips on what to buy based on your goals. Some of us are scaling down this year while others are scaling up, but we all have the same advice for someone who wants to get into the real estate investing game. If you follow this simple, repeatable path we're laying down, you'll be investing in no time. Don't let 2025 pass you by! You could regret sitting on the sidelines! Tune in, take notes, and let's get wealthier together this year!  In This Episode We Cover The easiest way for beginners to start investing in real estate in 2025 Key economic indicators we're watching during the 2025 housing market  What strategies we're switching up in 2025—and what won't work this year How to invest based on your goals and whether you should prioritize active vs. passive income Our 2025 goals: how many properties we'll buy, flip, or test with new strategies And So Much More! Links The House Flipping Framework  Scaling Smart Start with Strategy Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1064 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you lean into data when analyzing real estate deals? In a competitive market, ANY kind of advantage goes a long way towards helping you land better deals. And guess what? Harnessing the power of data is much easier than you think. Today's guest delivers a handful of helpful tips, tricks, and tools that all rookie investors can use! Welcome back to the Real Estate Rookie podcast! Today, we're joined by Ariel Herrera—data scientist by day and real estate investor by night. Five years ago, Ariel decided that real estate was going to be her path to financial freedom. Like any eager investor, she devoured as many articles, podcasts, videos, and books as she could get her hands on at the time. Once she realized that she could combine her love for data science with real estate, there was no looking back! In this episode, Ariel shares about the competitive edge you can gain by being a data-driven real estate investor. She recommends several tools and systems, all of which are easy to implement and require ZERO coding. Additionally, you'll learn how to choose your market, invest out-of-state, and save a ton of time with a few deal analysis shortcuts! In This Episode We Cover: How to find better real estate deals through the power of data science Tools and systems you can use to analyze deals (WITHOUT any coding!) Leveraging the equity in your portfolio to purchase MORE properties Creating consistent cash flow with the house hacking strategy How to find and purchase properties in other states (and countries!) And So Much More! Links from the Show Apify Browse AI ChatGPT Google Bard Redfin Zapier Check out more resources from this show on BiggerPockets.com Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

I wrote an article explaining why I am investing in real estate investment trusts (REITs) instead of rental properties. In short, REITs are still discounted, and I expect their lower valuations to result in higher returns in the coming years. Unfortunately, it would seem that many readers miss the point of investing in REITs due to misconceptions. I saw several people in the comment section claim that REITs should be less rewarding investments because:  - You don't enjoy the benefits of leverage. - They are not tax-efficient. - You are paying managers instead of getting your hands dirty. But these statements are just plain wrong, and I am going to prove it.  Keep reading the article here: https://www.biggerpockets.com/blog/8-reasons-for-why-reits-are-better-than-rentals Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Calling all couples! You and your partner may be on the same page financially or off in two different directions; regardless of where you're at, it's a great time to start having money dates! In this episode, Mindy and Scott are going solo, talking through why money dates are such a crucial part of any healthy relationship. This isn't just talk, both Mindy and Scott are adamant about money dates, they do them often with their partners as well! If you're an individual listening to this episode, you may feel a bit intimidated by the concept of a money date. Do you just sit down and talk about index funds and taxes for an hour? No! A money date can be a perfect time to be alone as a couple, talk about the future, make some positive changes, and hold each other accountable for being the best version of yourselves. If you have a partner who may be a bit averse to the concept of a money date, have no fear. Mindy and Scott have perfected their plan for setting up a successful money date and how to make it enjoyable when you're in it. With the new year coming up very soon, this is the perfect time to plan a money date with your special someone. You won't regret it! In This Episode We Cover What is a “money date” What to do before you suggest a money date to your partner How to make the money date successful and what topics to bring up Following up on your money date and setting up systems for success The importance of keeping your ideas simple in a money date How to present the idea to a partner who may not be too keen on finances  Why money dates help create healthier, happier relationships And So Much More! Links The Intention Journal Money Date Homework Template Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-594 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Certain cities across the United States are emerging as economic powerhouses, creating ideal conditions for real estate investors.  I've published two previous articles on cities with growing tech hubs and high income increases, both of which are highly correlated with price appreciation. Keep reading the article here: https://www.biggerpockets.com/blog/13-real-estate-hotspots-with-the-best-economies Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Got a late start on your retirement planning? Do you feel like you missed the boat and won't be able to retire on your timeline? We've got good news for you in today's episode—it's never too late for retirement (and even EARLY retirement!). No matter what age you're at, how much you have in the bank, and how much you make, you CAN retire on your terms, and our guests will prove it. The question is, will you follow through on their time-tested system for reaching retirement? Bill Yount and Jackie Cummings Koski from the Catching Up to FI podcast are here to show you that whatever your situation is, you can get on track for retirement. Bill and Jackie both were late starters, only taking retirement seriously decades after starting their working careers. Even with their “late start,” Bill and Jackie were able to massively multiply their net worths and retirement savings, allowing them to reach financial freedom on their terms. In today's show, Bill and Jackie walk through the four steps that anyone can take to begin saving for retirement. You don't need ANY money to take these initial steps, but doing so will change your entire financial future. Stick around for our next show as we get into the nitty gritty of retirement planning and put you directly on the path to retirement or early retirement! In This Episode We Cover: The four steps anyone can take to reach retirement Why it's okay to be a “late starter,” especially when it comes to retirement planning How to do a “backward budget” to quickly and easily see how much you're spending  Why you MUST look back on the financial “lessons” you've learned to build wealth now! Getting clear on your goals and what you want to achieve so you can reach retirement The “trifecta of mistakes” Bill made and how even that didn't stop his financial freedom journey! And So Much More! Links from the Show Join BiggerPockets for FREE Let Us Know What You Thought of the Show! Ask Your Question on the BiggerPockets Forums BiggerPockets YouTube The BiggerPockets Money Podcast BiggerPockets Money 314 - Finance Friday: How to Get to Early Retirement Even Faster BiggerPockets Money 422 - The Late Starter's Guide to Financial Independence (Even in Your 50s!) w/Bill Yount and Becky Heptig BiggerPockets Money 527 - Retired at 49 on an Average Salary after Getting a “Late Start” to FIRE w/Jackie Cummings Koski Catching Up to FI Reach Financial Independence Faster with "Set for Life" Find an Investor-Friendly Agent in Your Area BiggerPockets Money 422 - The Late Starter's Guide to Financial Independence (Even in Your 50s!) Connect with Scott Connect with Mindy Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1063 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

When Dave Meyer graduated in 2009, the job market was bleak. Inspired by a friend who found success buying a single-family home, he decided to give real estate a shot. Although Dave was unable to qualify for a loan on his waiter's salary, he managed to secure his first property using creative financing. He continued to spend his spare time managing his properties until his tech startup failed in 2016. At that point, he decided to focus on real estate, combining his experience with his data science skills to build a thriving career at real estate platform, BiggerPockets. In this episode, Dave explains how anyone can start and scale a real estate portfolio. He also shares tips and strategies to navigate today's housing market. In this episode, Hala and Dave will discuss:  (00:00) Introduction to Real Estate Investing (01:52) Why Real Estate is a Smart Investment (05:50 Understanding Cash on Cash Return (06:29) Real Estate as Entrepreneurship (07:40) Dave's Real Estate Journey (18:29) Managing Real Estate Investments (25:59) Economic Considerations in Real Estate (29:32) Understanding Depreciation and Tax Benefits (32:31) Exploring Hot Real Estate Markets (34:14) Overcoming Real Estate Investment Fears (37:35) Quick Fire: Pros and Cons of Different Deal Types (41:39) The Appeal of Commercial Real Estate (44:03) Development and Lending in Real Estate (48:43) Final Thoughts and Advice for Aspiring Investors Dave Meyer is a seasoned real estate investor and the Vice President of Data and Analytics at BiggerPockets. With more than 14 years of experience, he has grown a thriving real estate portfolio, starting with a fourplex he bought at age 23. Dave has authored notable books like Real Estate by the Numbers and Start with Strategy, where he combines his analytical expertise with actionable advice for investors. As the host of two popular podcasts, On the Market and the BiggerPockets Real Estate Podcast, Dave educates listeners on smart investing strategies. Known for developing tools like the Market Finder, he has made data-driven decision-making more accessible for investors. Connect with Dave: LinkedIn: linkedin.com/in/dave-meyer-5660846 Instagram: instagram.com/thedatadeli Sponsored By: Airbnb - Your home might be worth more than you think. Find out how much at airbnb.com/host Found - Try Found for FREE at found.com/profiting  Shopify - Sign up for a one-dollar-per-month trial period at youngandprofiting.co/shopify     Resources Mentioned: Dave's Books: Start with Strategy: Craft Your Personal Real Estate Portfolio for Lasting Financial Freedom: amzn.to/3ZLMG6e  Real Estate by the Numbers: A Complete Reference Guide to Deal Analysis, written with J Scott: amzn.to/4fo4BFY  BiggerPockets: biggerpockets.com   On the Market Podcast: youngandprofiting.co/3OZKWS5   BiggerPockets Real Estate Podcast: apple.co/4fpTZGo  Top Tools and Products of the Month: youngandprofiting.com/deals More About Young and Profiting Download Transcripts - youngandprofiting.com Get Sponsorship Deals - youngandprofiting.com/sponsorships Leave a Review - ratethispodcast.com/yap Watch Videos - youtube.com/c/YoungandProfiting   Follow Hala Taha LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ TikTok - tiktok.com/@yapwithhala Twitter - twitter.com/yapwithhala   Learn more about YAP Media's Services - yapmedia.io/

It's the season for housing market predictions, and we know who to call! Altos Research and HousingWire's Mike Simonsen joins the show to share where his team thinks mortgage rates, home prices, housing inventory, and buyer demand will be in 2025. Every year, the HousingWire team puts together a phenomenal housing market forecast, touching on the topics investors, agents, lenders, and housing nerds care about while recapping the wildest surprises of the year prior. Will mortgage rates finally fall below six percent in 2025? Will home prices dip with housing inventory up a substantial percentage year-over-year? And could agents and lenders finally get some relief with home sales, or will we still see sluggish purchasing and buyer activity? Not to spoil it, but Mike is optimistic about the 2025 housing market and what will come over the next twelve months.  Mike breaks down each prediction and what could affect YOU the most, whether you're buying or selling homes. Plus, he shares the one metric his team is watching carefully to see which direction the 2025 housing market is headed.  In This Episode We Cover: HousingWire's 2025 housing market forecast and 2024 housing market recap The mortgage rate range you can expect over the next twelve months  Home price growth and exactly how much the HousingWire team expects in 2025  Why housing inventory is starting to climb again (and whether it will continue in 2025) One metric Mike and his team are paying very close attention to in 2025  The market's reaction to the 2024 election and President-Elect Trump's win And So Much More! Links from the Show Ashley's BiggerPockets Profile Tony's BiggerPokckets Profile Join BiggerPockets for FREE Real Estate Rookie Facebook Group Real Estate Rookie YouTube On the Market Altos Research HousingWire's 2025 Housing Market Forecast Check Out "On the Market" Get Ready to Invest in 2025 with Dave's Book, “Start with Strategy” Find Investor-Friendly Lenders 2025 Housing Market Predictions (+ How'd We Do Last Time?) Connect with Dave Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-503 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

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

It's what you've all been waiting for—our 2025 housing market predictions! We're sharing where we think home prices, interest rates, and real estate will be over the next year. But we're not just talking about 2025. We're also going BACK and reviewing our 2024 housing market forecast, painfully detailing each part we got wrong and congratulating whoever got their predictions right. But how did top real estate companies like Zillow perform on their forecasts? Don't worry; we're rating their predictions as well! Last year, some of us thought home prices would decline year-over-year, while others were confident we'd still see rising prices. We also had surprisingly accurate mortgage rate predictions, so does that mean we could be right for 2025, too? Stick around to find out! Plus, we're sharing where we think will become the country's best real estate investing markets and naming the cities we believe have the best potential for building wealth!  In This Episode We Cover: Updated 2025 housing market predictions and where home prices and mortgage rates could go How we (and Zillow!) did on our 2024 housing market forecast (plus what we got WRONG!) Real estate markets that have the most investment potential in 2025  Why we're all becoming bullish on lower mortgage rates, EVEN with persistent inflation  Did we ever actually make it into recession territory in 2024?  And So Much More! Links from the Show Join BiggerPockets for FREE Let Us Know What You Thought of the Show! Ask Your Question on the BiggerPockets Forums BiggerPockets YouTube Check Out "On the Market" Grab James' New Book “The House Flipping Framework” Find Investor-Friendly Lenders 2024 Housing Market Predictions: Home Prices, Interest Rates, & Opportunities Connect with Dave and Our Panel of Expert Guests: Dave Meyer Henry Washington James Dainard Kathy Fettke (00:00) Intro (04:10) Zillow's 2024 Predictions (13:05) Home Prices (16:06) Recession Risk (17:56) Mortgage Rates (18:56) Best Markets to Invest (21:36) 2025 Home Price Predictions (25:19) 2025 Mortgage Rate Predictions Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1062 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Got debt to pay off? You might relate to Leo, a personal finance journalist who's focused on financial stability over FIRE—at least for now. With six figures in student loans and credit card debt, Leo found themselves in a tough spot after being laid off with no safety net. Determined never to end up in that position again, they began chipping away at their debt, working toward financial peace of mind instead of a relentless grind to early retirement. Leo shares why their approach to financial freedom is different. While they don't want to wait until sixty-five to retire, they've crafted a “wealth plan” that balances paying off debt, building a safety net, and creating a better life today.  In this episode, Leo dives deep into budgeting tips, debt repayment strategies, and the unique financial challenges faced by LGBTQ+ individuals. Tired of the all-out grind to FIRE and want “financial stability” instead? Leo has just what you need!  In This Episode We Cover Why financial stability can be just as important as the FIRE grind Leo's practical strategies for budgeting and paying off six-figure debt How to create a wealth plan that supports your life—even while tackling debt The sacrifices worth making (and the ones that aren't!) in your financial journey Why an “accountability buddy” is a cheat code for achieving your financial goals  And So Much More!   Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Follow Leo on Instagram Support Today's Show Sponsor, Connect Invest, the Alternative Way to Earn Passive Income Through Real Estate Get Your Finances in Order with “Set for Life” Find an Investor-Friendly Agent in Your Area How to Pay Off Credit Card Debt FAST 00:00 Intro 03:41 Serious Credit Card Debt 06:26 Feeling Financial Shame? 08:40 Paying Down Six-Figure 10:33 Wealth "Planning" 13:37 Budgeting Their Debt Payoff 15:52 Financial Stability > Independence 20:06 Does FIRE Change You? 22:10 Best FIRE Advice? 26:23 Connect with Leo! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-593 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Want 100% passive income? As in no tenants, toilets, phone calls, or painting! You can get genuinely passive income through one type of investment—real estate syndications. Never heard of them before? You're about to have your world flipped upside down because today, Jim Pfeifer, host of PassivePockets: The Passive Real Estate Investing Show, is on to walk you through real estate syndications, even if you're a complete beginner! Joining Jim is a long-time syndication investor and former professional football player (seriously!) Devon Kennard. Before syndications, Devon bought single-family homes during his NFL career, but as his time got increasingly limited, he needed a passive way to invest. The obvious choice? Real estate syndications!  Jim and Devon deliver a masterclass on syndication investing, showing you how much money you'll need, how to vet a syndication deal BEFORE you invest, the profits you could make, and red flags to watch out for. If passive income is your goal, syndications are for you; here's everything a beginner needs to know! In This Episode We Cover: Real estate syndications explained and who should (and shouldn't) invest in them The minimum investment amount for real estate syndications (lower than you'd think!) How to vet a syndicator (general partner) BEFORE you invest in their deal  Why many real estate investors ditch rentals for the passivity of syndications  Preferred returns, equity payouts, and other ways a syndication will make you money What Devon and Jim look for in a syndication before they invest any money  And So Much More! Links from the Show Join BiggerPockets for FREE Let Us Know What You Thought of the Show! Ask Your Question on the BiggerPockets Forums BiggerPockets YouTube PassivePockets: The Passive Real Estate Investing Show Grab Devon's Book, “Real Estate Side Hustle” Property Manager Finder The Ultimate Guide to Real Estate Syndication Connect with Devon Connect with Jim Connect with Dave Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1061 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices