Podcasts about The Borrowers

Rebecca Makkai is the Chicago-based author of the novels The Great Believers, The Hundred-Year House, and The Borrower, as well as the short story collection Music for Wartime. The Great Believers was a finalist for the Pulitzer Prize and the National Book Award, and received the ALA Carnegie Medal and the LA Times Book Prize, among other honors. Makkai is on the MFA faculties of Sierra Nevada College and Northwestern University, and she is Artistic Director of StoryStudio Chicago. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are we headed into a recession? This video will explore the current state of the economy and discuss what potential risks lie ahead. We'll examine economic indicators, analyze the impact of global markets on our own, and discuss what investors should be doing to prepare for a possible downturn and seize opportunities. Key Insights: 01:15 Macro economic indicators - Definition of economic crisis 03:03 Fall in Consumer/Investor confidence 05:05 Are we into recession? 08:00 Cashflow situation in the market 11:20 Solvency vs. financial situation 13:00 Borrowers competing with banks 16:50 Tips for prudent investing Join us as we take an in-depth look at all sides of this issue and ask if we really are headed into a recession. Don't miss out - watch this important video now! We're here to help create multifamily entrepreneurs... Here's how: Brand New? Start Here: https://jakeandgino.mykajabi.com/free-wheelbarrowprofits Want To Get Into Multifamily Real Estate Or Scale Your Current Portfolio Faster? Apply to join our PREMIER MULTIFAMILY INVESTING COMMUNITY & MENTORSHIP PROGRAM. (*Note: Our community is not for beginner investors)

Involved in many facets of the lending process, Jesse creates and builds vital relationships with investors. He also assists with underwriting, regulatory compliance, and preventative loss analysis. Jesse has a passion for helping people reach their financial goals. He's focused on discovering quality opportunities to lend money and provide sufficient capital to fund exciting opportunities. Jesse is the father of two young children. Beyond work, his passions extend to skiing, fishing, mountain biking, and continuous learning."   [00:01 - 15:16]  Short-Term Residential Lending for Real Estate Investors Based in Calgary, Alberta, Cal Home Mortgage specializes in short-term residential lending for properties with 16 units or less in major urban centers They provide real estate investors with short-term capital for buying, renovating, and stabilizing income-generating properties With 300 million dollars of capital, they manage risk through underwriting and in-house appraisers to ensure accurate data Borrowers must make at least 50% net profit after fees to be approved for a loan, and their return to shareholders is leveraged through a bank facility    [15:17 - 29:46] Real Estate Investing and Sophisticated Investors Cal Home Mortgage Investment Corporation is ideal for volume flippers or trades supplementing income, requiring good credit, capital, and experience The minimum investor requirement is accredited, and Calvert seeks larger average investments than three years ago Calvert expects returns of 8-10% annually, but warns that lending rates may increase due to rising interest rates Equity is for renovations and buying, with no minimum investment required   [29:47 - 38:37] Assessing Commercial Real Estate Opportunities Calvert Holmes is a private money lender with access to an operational line of credit of up to 200 million dollars They offer a return of 10.5% to shareholders by leveraging bank funds, which reduces risk and increases returns Calvert Holmes does not use seminars or advertising to attract investors With a focus on short-term residential lending and a minimum investor requirement of being accredited, Calvert Holmes is an attractive option for those seeking high returns on their investments    Connect with Jesse Email: Jesse@chmic.ca Mobile Number: (403) 617-9931   You can connect with me on LinkedIn, follow me on Twitter, and watch my videos on YouTube. If you want to go even deeper into the world of commercial real estate, head over to Shane Melanson, a roadmap to investing in commercial real estate! Get my book Club Syndication - How The Wealthy Invest Their Money     LEAVE A REVIEW + help someone invest in commercial real estate with confidence by sharing this episode or clicking here to listen to our previous episodes.         Follow The Investing Podcast on all Streaming platforms. Deezer, Apple Podcasts, Google Podcasts, Spotify, or visit our YouTube Channel.         Tweetable Quote:   “Good fences build good neighbors. And again, just being really transparent in what we are and what we do and, and what they're putting their money into.” - Jesse Bobrowski

What founders and investors in startups need to know about the history of bankruns and how to protect themselves from them in the future. Here's the text on which my talk was based: Historical Perspective on SVB's Failure for Investors & Founders  This is Sal Daher of the Angel Invest Boston podcast. Prior to becoming an investor in tech startups, I spent decades as a banker and trader involved with the distressed debt of countries. My experience came in handy recently in allowing me to reassure the startups in my portfolio with deposits at SVB that the FDIC would have no option but to make all depositors whole.  This piece aims to explain why the business model of banks and past government decisions precluded any other options. It also points to ways that founders can manage deposit risk. While it bothers me to see well-off people bailed out by the taxpayer, it is the necessary if imperfect course of action until we make structural changes to hold bank management more accountable. Why was I so certain in my assurances? Because financial authorities in the US and other countries had learned a hard lesson back when Lehman Brothers (not a deposit-taking bank) was allowed to fail in September of 2008. Lehman's bankruptcy set off an inevitable chain of events that led to the meltdown of the market for credit risk insurance.  This revealed pervasive rot in financial instruments widely held by institutions starved for yields. Thus began the Sub-Prime Crisis that ruined millions and blighted the career of so many of my colleagues in finance for nearly a decade.  The hard lesson learned was that when a financial panic gets going it's impossible to tell where it will stop. The term contagion is apt. Financial authorities understood the need to take prompt steps to reassure investors not to make irrational moves that could impoverish us all. Back in 2008 they ended up taking over banks which created lasting distortions, some of which are still with us today.  While the circumstances of SVB's failure are different from Lehman's, the fundamental lesson of maintaining the orderly functioning of financial markets still applies. If the FDIC had stuck strictly to its $250K deposit insurance limit (which BTW had been $100K until the Lehman event) chaos would have ensued. Depositors everywhere would have immediately started spreading any holding in excess of $250K to other banks to avoid the possibility of loss and could have melted down the entire banking system. An impaired banking system would have resulted in hundreds of thousands of companies going under and millions of people losing their jobs. So, preventing financial panic is a public service for the entire population. It's comparable to the fire department. Fire brigades were set up to prevent individual house fires from spreading and burning down entire neighborhoods. There is a fundamental flaw in the business model of banks. Banks lend long and borrow short. Borrowers want to repay banks months or years into the future. Depositors usually are not willing to tie up their money for more than a few months. This creates a mismatch between the maturity of loans made by banks (assets) and deposits taken by banks (liabilities). The delicate balance between assets and liabilities is hard to achieve. This is why banks keep cash reserves on hand, i.e., they don't lend out all their deposits. They also have short-term borrowing lines with other banks or the Federal Reserve to make sure they have cash meet all their obligations.  But if enough depositors decide that a bank is impaired, even the soundest bank would not be able to meet the demand for immediate payment without outside help. This is the role the FDIC has come to play. A role with which I am not entirely comfortable, but as we have seen, is essential as things stand.  Many argue that unlimited deposit guarantee removes the incentive from depositors to vet a banks' books. In the absence of this vetting there is a natural temptation for banks to take all the risk possible with depositor's money because if things go well the bank's shares will go up and the management will get bonuses. This moral hazard of deposit guarantees is supposedly mitigated by regulations that limit how much a bank can lend and impose minimum capital requirements.   Unfortunately, the regulations failed in the case of SVB. The bank appeared to meet its capital requirements but when depositors started to draw out money, it started to sell its reserves. This prompted changes as to how assets were valued and put it suddenly in default of capital requirements. This led to a failed attempt to raise more equity in the stock market. One moment SVB seemed fine, the next moment it was on the rocks. Bank books are complicated beyond the ability of even the most sophisticated depositor to figure out. The idea of savvy depositors keeping banks honest is fanciful. The only parties who have any hope of knowing enough about what's going on in the bank are its management and its board of directors. I support making bank directors and senior management personally liable if a federal rescue is needed.  So, what's a founder to do when holding more than $250,000 in cash? One thing to consider is to have the funds in more than one bank, if only to avoid a sleepless weekend as so many founders experienced recently. But that only gets you up to protecting $500,000 or $750,000. Another option to consider is putting funds into money market funds held by Fidelity, Schwab or Vanguard. Funds held in custody for a beneficiary are legally protected from claims against the entity. This does not mean that there is no risk. Even safe money market instruments may lose value in times of stress, but the exposure to any one entity is much less concentrated. There's always the risk of fraud or unauthorized trades but those are not usually system-wide and the entities usually make good on those. Founders are in the business of sailing in uncharted waters. However, many of the risks that threaten a startup are known to accountants and board members. My advice is to bring up the matter of risk with your CFO and your board. If you don't have one it's time you found at least a fractional CFO and functioning board.  If found this brief piece useful I invite you to follow Angel Invest Boston on your podcast app. Thanks for listening. This is Sal Daher.  

After several years of extensions, student-loan repayments are expected to resume later this year. WSJ's Gabriel T. Rubin joins host J.R. Whalen to discuss the pressure that could place on younger people, many of whom are struggling financially.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Hispanic and Latino populations are an integral, growing part of American communities and a rising force in U.S. homeownership. Still, many Spanish-speaking borrowers struggle with the financial, logistical, and readiness challenges related to home buying. In our latest conversation on Clear to Close, we sit down with an expert on the topic: Laura Arce. With tenure in public policy and housing policy at Wells Fargo and the Federal Housing Finance Authority (FHFA), Laura now serves as SVP of UnidosUS, a nonprofit dedicated to building a positive economic trajectory for Latinos through homeownership.

The economic ninja talks about how Borrowers With Low Credit Scores Falling Behind On Car Payments.

On today's episode, Editor in Chief Sarah Wheeler talks to Sara Holtz, vice president of demand marketing and communications at ICE, about the company's latest borrower insights survey ahead of its release on April 1. The two discuss what borrowers want in five specific areas of the mortgage process.Related to this episode:The housing market faces a three-pronged challengeICE Mortgage Technology's Collateral Library2023 Borrower Insights Survey: What do borrowers want?Connect with Sara on LinkedInHousingWire's YouTube ChannelEnjoy the episode!Gathering of Eagles will bring together the nation's top residential real estate CEOs, Presidents, and C-Level leadership teams to grow, network, and set the pace for what's next in our industry. 2023's Gathering of Eagles is at Omni Barton Creek Resort in the rolling hill country of Austin, Texas from June 18-21. Click here to learn more and register your spot!The HousingWire Daily podcast examines the most compelling articles reported across HW Media. Each morning, we provide our listeners with a deeper look into the stories coming across our newsrooms that are helping Move Markets Forward. Hosted and produced by the HW Media team.

The following guests sit down with host Justin White:•   Allison Thenhaus – Sr. Mortgage Loan Originator, C2 Financial•   Whitney Bulbrook – Mortgage Broker, Carolina Ventures MortgageHow to Help Your Clients Get Into the Housing Market, Despite Rising Interest RatesEven in a market with elevated interest rates, independent mortgage brokers have opportunities to help their borrowers and their business. Listen to Episode #39 of Good. Better. Broker as two purchase-focused mortgage brokers explain why buyers have the upper hand in the current market and how you can guide them through different options to get them into homes.In this episode of the Good. Better. Broker. podcast, you'll find out how to empower your borrowers with strategies and products to overcome rising rates. In this episode, we discuss ...•   1:50 – Why Allison believes this market favors buyers compared to previous markets •   5:00 – How the current market gives buyers more time to decide•   7:12 – Why Allison believes the best time to buy is when most people don't want to•   13:53 – Which borrowers Allison is targeting in this market•   15:43 – Which levers Allison is pulling for first-time homebuyer clients •   18:41 – Why Whitney believes now is a good time for buyers to get into the market•   20:18 – Whitney explains why the hard numbers can be surprising for buyers and agents•   22:17 – Which products Whitney is using to combat high interest rates•   23:28 – How Whitney approaches rent vs. buy conversations with clients•   26:24 – Whitney's biggest keys to success in a purchase marketResources Mentioned in This Episode:Temporary Rate BuydownsFreddie Mac Borrow Smart℠Show Contributors:Allison ThenhausConnect on LinkedIn, Facebook or InstagramWhitney BulbrookConnect on LinkedIn, Facebook or InstagramJustin White is UWM's in-house brand journalist and the host of the daily news video, Inside Pass. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University.Connect with Justin on LinkedIn, Instagram or TwitterConnect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates.

Based on an adaptation of the 1952 novel The Borrowers by Mary Norton, The Secret World of Arrietty by Studio Ghibli is still beloved by many watchers for it's beautiful storytelling and imaginative world-building. While spending the summer at his aunt's house, Shou gets a glimpse of a tiny girl and soon finds out they are living under the floorboards; collecting and surviving on bits of human possessions. Despite her parents' warnings, Arrietty befriends Shou, stirring up unexpected events that change their lives forever.   Be sure to rate and review our podcast and join our Discord [ https://discord.gg/DPEtSwUN65 ] to continue the discussion.   Intro Song by the talented "Boyfriend Genes" https://boyfriendgenes.bandcamp.com/track/dont-call

In this episode, we discuss Tom Felton's new book. Enjoy!Topics/Summary:·      Get Tom Felton's book here.·      1:47 What can be gained from this book? There are a lot of different stories that have a wide variety of stages in Tom's life. The book doesn't move in perfect chronological order. It's very well done and every piece of the story fits in place. As to what can be gained, we can gain a peek behind the curtain of production on the Potter set and of Tom's life. We now have a different view of the filming that deepens our understanding of the filming. We also see what was going on in Tom's head. It's hard to be put on a set with millions of dollars on the line and pressure of producing a fantastic film. With this book, we can fully understand what was going on in Tom's head every step of the way.·      9:52 Was there an element of surprise? No! Granted, I didn't know 99% of the things he wrote about in the book about his life and just about every page held a story or piece of information I had no idea existed. But at the core of the book, it is the story of a kid dealing with the difficulty of being in a stressful situation.  ·      14:55 Did Tom's childhood affect his acting? Of course. He had a pack of brothers that showed him the world and were some of his first big supporters. They taught him how to fish and how to keep a job and how to steal something from a store. Perhaps what was more influential in his acting before Potter was his experience acting beforehand. He did several ads and projects including The Borrowers which was his first real time on a large-scale set.·      19:24 Should similar books be published like this? Absolutely. Having this 3D view of the story is extremely valuable and any more stories of the goings on behind the curtain on set are only going to help the story. Anyone else who worked on the set could write something just as amazing.·      22:25 What are some of my favorite parts in the story? First is the first chapter where he stole a CD. It showed his character and was a great introduction to the book. I enjoyed his stories of getting driven into work and his dyed hair. He also wrote about how often they corpse on set. A story that stood out to me was toward the end of the book when he left rehab for a bit and wanted to see some of his friends across town and met some very amazing people along the way. ·      28:25 Thumbs up or thumbs down? Well, surprise surprise, I give Tom's book a giant thumbs up. It is a fantastic behind the scenes look on Harry Potter and what goes on in Tom's life.    Having anything you want to hear or say? Click here for a voice submission or here for text. The Quill and Ink NewsletterThePotterDiscussion@gmail.com@thepotterdiscussion on Instagram@potter_discuss on TwitterWebsite

Looming debts, doomed infrastructure projects — developing countries are in crises unable to repay debts taken for China's Belt & Road Initiative. ThePrint Editor-in-Chief Shekhar Gupta unpacks what has come of Xi Jinping's ‘over-ambitious' projects. Watch episode 1180 of #CutTheClutter

Genevieve Bonadies Torres, an associate director with the Lawyers' Committee for Civil Rights Under Law, joined “Cases and Controversies” podcast to discuss the amicus brief she filed in a pair of cases, Biden v. Nebraska and Dept. of Education v. Brown, set for argument on Feb. 28. The loan relief plan, which is on hold due to litigation, “will eliminate or markedly reduce” payments for millions of lower-income borrowers, many of whom experienced economic hardship during the pandemic, her brief said. Without intervention, the potential consequences of default could prevent people from paying for basic needs or even threaten their employment. Those risks are “particularly heightened for borrowers of color,” Torres said. The court challenges focus on a rule known as the major questions doctrine, which directs courts to be skeptical of attempts to use narrow, often ambiguous laws to authorize sweeping, or major programs. The doctrine has recently been bolstered by the court's new conservative 6-3 majority. But Torres' seeks to refocus attention of the court on impacts of the Biden plan on minority borrowers. Those implications, and the questions they might prompt from the court's liberal justices, could “play a role in the background” by pushing the Supreme Court's middle to take a sort of off-ramp to deciding the legality of the program, she said. Do you have feedback on this episode of Cases & Controversies? Give us a call and leave a voicemail at 703-341-3690.

Our guest on the WCI podcast today is Burton Malkiel. He is the author of best selling book, A Random Walk Down Wall Street. He shares his decades of experience working in finance and investing and talks about his belief that the easy thing is not usually the smartest thing to do. Fortunately that is not the case with being an above average investor. We think you will find this conversation as educational as it is interesting. Laurel Road is committed to serving the financial needs of doctors, including helping you get the home of your dreams. Laurel Road's Physician Mortgage is a home loan exclusively for physicians and dentists featuring up to 100% financing on loans of $1,000,000 or less. 1 These loans have fewer restrictions than conventional mortgages and recognize the lender's trust in medical professionals' creditworthiness and earning potential. Borrowers can also get up to $650 off closing costs! 2 For terms and conditions, please visit https://www.laurelroad.com/wci NOTICE: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. All mortgage products are subject to credit and collateral approval. Mortgage products are available in all 50 U.S. states and Washington, D.C. Hazard insurance and, if applicable, flood insurance are required on collateral property. Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice. 1. 100% financing is only available to interns, residents, fellows, doctors, dentists, clinical professors, researchers, or managing physicians with a current license and a degree of Doctor of Medicine (MD), Doctor of Osteopathic Medicine (DO), Doctor of Podiatric Medicine (DPM), Doctor of Dental Surgery (DDS), or Doctor of Dental Medicine (DMD). Only available when purchasing or refinancing with no cash out on a primary residence and loan amount does not exceed $1,000,000. Retired doctors are not eligible. Additional conditions and restrictions may apply. 2. Laurel Road offers up to $650 in lender's credit towards your mortgage closing costs. Credits cannot exceed borrowers' actual costs to close. For more information refer to the Rewards Program below. The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Main Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

Rebecca Makkai joins Maris Kreizman to discuss her new novel, I Have Some Questions for You, out now from Viking. Rebecca Makkai's last novel, The Great Believers, was a finalist for both the Pulitzer Prize and the National Book Award. Her other books are the novels The Borrower and The Hundred-Year House, and the collection Music for Wartime. A 2022 Guggenheim Fellow, Rebecca is on the MFA faculties of the University of Nevada, Reno at Lake Tahoe and Northwestern University, and is Artistic Director of StoryStudio Chicago. Her latest book is called I Have Some Questions for You. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Millionaire Mindcast, the dynamic duo is back. Matty A and Ryan Breedwell jump into this past week's updates on world news, real estate, and market update. Foreclosure and interest rates are on the rise. How will it affect borrowers and the economy? Tune in and find out.  Enter giveaway @ Go.MillionaireMindcast.com Text us at 844.447.1555 Episode Sponsored By: Indochino: Get 10% off of any purchase on $399 or more with the promo code: MINDCAST Questions? Comments? Do you have a success story you would like to share on the show? Send us an email to Questions@MillionaireMindcast.com

Marcel The Shell With Shoes On, then: a live-action-cum-stop-motion hybrid animated comedy-drama that couldn't be "indier" if it tried, telling the story of a tiny adorable shell (called Marcel, you guessed it) who lives, Borrowers-style, with his grandmother in an empty house. Oh, and he wears little shoes. Honestly, you have to see it to believe it, but it truly is one of the best films you'll see this year. Here then is the voice of Marcel (and co-creator) Jenny Slate, talking about the meaning of this instant cult classic now that it's finally hit UK cinemas.

(February 14, 2023) Rebecca Makkai's last novel, THE GREAT BELIEVERS, was a finalist for both the Pulitzer Prize and the National Book Award; it was the winner of the ALA Carnegie Medal, the Stonewall Book Award, the Clark Prize, and the LA Times Book Prize; and it was one of the New York Times' Ten Best Books of 2018. Her other books are the novels THE BORROWER and THE HUNDRED-YEAR HOUSE, and the collection MUSIC FOR WARTIME—four stories from which appeared in The Best American Short Stories. A 2022 Guggenheim Fellow, Rebecca is on the MFA faculties of Sierra Nevada University and Northwestern University, and is Artistic Director of StoryStudio Chicago. Her new novel, I HAVE SOME QUESTIONS FOR YOU, is forthcoming in February, 2023. She has 2 kids ages 12 and 15.Writer Mother Monster is a community and conversation series devoted to dismantling the myth of having it all and offering writer-moms solidarity, support, and advice. Each episode is streamed live on Facebook and YouTube, then released as an audio podcast. www.writermothermonster.comSupport the showIf you appreciate what you hear, consider becoming a patron/ess of Writer Mother Monster. Depending upon your level of support, you can tell me who you want to hear and topics you'd like to hear about, send me questions for guests in advance of interviews, receive a letter of thanks, a signed book–and more! Thank you for contributing to WMM's sustainability. www.writermothermonster.com/donate/

An important term and very timely topic right now in the real estate industry is Debt Service Coverage.   Debt service is the loan against the property. Often with more expensive properties there is multiple levels of debt from 50% low interest rate to mezzanine debt, to 2nd or 3rd mortgages. Essentially it's the full monthly payment that encompasses the whole costs of managing and servicing the property. It's most important, but often unclear when it comes to investment properties.    Lenders want to know if you borrow money against a property, they can be assured you can service the debt that you're applying for. What are the factors lenders consider to establish the Debt Service Coverage Ratio (DSCR)?   DSCRs are dramatically hindered and being affected by the rise in interest rates, which of course brings concern of refinance and default. Borrowers that have been squeaking by with low interest rate mortgages are going to find themselves upside down when they refinance.     The financial crisis of 2008 was born out of large numbers of mortgages going into default, which means borrowers were not able to service their debt.  So what is the quiet sentiment amongst bankers about what's going to happen with these non-QM loans?   And the real question remains... have we learned the crucial lessons we needed to from the great financial crisis? To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/ 

Today's podcast is brought to you by SimpleNexus, an nCino company and award-winning developer of mobile-first technology for the modern mortgage lender. Nexus Engagement helps mortgage lenders convert more leads to closed loans with a mobile app that fosters personal connections with borrowers. With tools like mortgage loan calculators, integrated home search, and instant messaging, Nexus Engagement helps lenders jumpstart the homeownership journey. To learn more about Nexus Engagement, visit simplenexus.com.

In this episode, I have a conversation with April Stewart.April  is on a mission to dismantle this notion because she leveraged her corporate salary to build a million-dollar net worth. April understands what it means to make a great salary, but still, fail to build wealth. After losing her job, April found herself in a scary place with no income or savings. Moving forward, she was determined to transform her financial situation. April started her money journey; before she knew it, she had accumulated over $1M in assets, making her a millionaire in her 30s. April has shared her story in outlets such as Forbes, Business Insider, Black Enterprise, and AfroTech. She teaches women how to build wealth via her coaching program, speaking engagements, and workshop. connect with Tamika at tamikamctier@gmail.comconnect with April https://www.instagram.com/aprilthemoneycoach/ https://www.linkedin.com/in/aprilthemoneycoach/

What are the Rental Financing Options for Self-Employed Borrower? I am self-employed. I have great credit but I am having trouble qualifying to buy an investment property because I run a lot of expenses through my business. What options do I have? Ruth

Amy and Lisa discuss the ins and outs of engagement letters and role they play in an appraiser's work.

Hi Beau, I live in Japan and hope to move to the US in a few years. I was wondering what my options are for DSCR loans as a Foreign National. Plus, How much down would be required? And what general terms might I expect? Thanks, Hugh Timestamps [00:33] DSCR loans geared for foreign national borrowers [00:42] Defining “foreign national” [00:51] What are the eligibility requirements? [01:40] Citizens who are not eligible for financing in the United States [01:50] Available DSCR funding [01:57] Some of the problems that foreign nationals might encounter [02:46] Loan to Value limit for a non-U.S. citizen [03:29] Go to investorfinancingpodcast.com/ask to ask other questions A foreign national alien is defined as a Borrower that does not live and work in the US. This does not include permanent resident aliens or non-permanent resident aliens. If Borrowers do not have a valid work VISA, or work authorization card, and live and work outside the US, they are considered foreign national aliens. In addition, foreign national aliens are limited to loans on 2nd homes and Business purpose/investment. • Foreign national aliens must provide a valid passport. • Eligible for full documentation and debt service coverage • Borrowers with diplomatic immunity are not allowed. • Powers of Attorney (POA) are not allowed. • Vesting in an entity is allowed, but no part of the entity can be foreign refer to Section 5.3 Country restrictions If the Borrower is a citizen of any of the below countries and is not either a United States citizen or a I551 green card holder then the Borrower is not eligible for financing. • Afghanistan • Balkans • Belarus • Burundi • Burma • Central African Republic • Cote d'Ivoire • Cuba • Democratic Republic of Congo • Iran • Iraq • Lebanon • Liberia • Libya • Kenya • Myanmar • Nigeria • North Korea • Russia • Somalia • Sudan • Syria • Ukraine • Venezuela

 With over a decade in the real estate industry – acquiring, flipping, developing and financing over $500 million worth in real estate – Ruben Izgelov, Co-Founder/Managing Partner of We Lend LLC, has quickly become a renowned real estate expert, speaker, and guide for many professionals in the industry. The most successful time in Ruben's career was during the 2009 financial crisis; during this time, he bought, fixed, and sold distressed properties, which showed his determination in both bullish and bearish markets. After using private money financing himself, he quickly saw the innovation desperately needed in the private lending space and decided to spearhead it by co-founding We Lend, LLC (a private lending platform). - Lending loans to the right borrowers with the right leverage at right times- Markets and asset classes- Focussing on experienced operations - Know your appetite for risk- How Welend is different from other lendersand much more...Connect with RubenEmail: ruben@welendllc.comPhone: 9178151222- Follow Rama on socials!LinkedIn | Meta | Twitter | InstagramConnect to Rama KrishnaE-mail: info@ushacapital.comWebsite: www.ushacapital.com Register for this year's Multifamily AP360 virtual conference - multifamilyap360.com

There are man-made fixtures all around us. This is well-known but why is it an important question? It is important because of the facade of truth that becomes cemented in mind, thereby forgetting the human nature that comes with these fixtures steeped in privilege, selfishness and greed. Leading to positions that takes advantage of other peoples. Therefore, we must not take for granted an existence created within our reality bent in the ways of the creators. Or else you will be left behind to hold the stick; you and your children and grandchildren. Hence, Critical Thinking is necessary as it thinks about thinking in relation to thought and rethinks the thought that was central to thinking that has position our thoughts and realities. What is Critical thinking? In its simplistic and basic definition, it is thinking about thinking and what was previously or is the current thought that build on or debunk information that leads to new discoveries of thought and positions that improves life. It is deliberately and intentionally reflecting on truths, challenging oneself whether through introspective discourse or engagements with others. It deconstructs reality by scrutinizing current knowledge and truths we have about ourselves. Critical Thinking is usually within the realm of the postcolonial, postmodern, skeptics or those who are fighting for better leading to effective and progress. This brings us to Critical Economics, which when placed within what we have said about critical thinking is then thinking & rethinking ideas and principles about economics that has come to shape how we allocate or distribute resources within society. It means looking at the inequity and distributional challenges in society today from an economics that aims to allocate resources fairly and efficiently. However, A Free-Market system has not achieved that, what economics was developed or supposed to do - distribute evenly within a perfectly competitive market. It is full of nepotism driven by neo-capitalistic forms of economics. Within a Capitalist society such as the US, where buyers & sellers transact business & set prices. However, the Feds have raised interest rates a third time in the last few months which directly affects price as it affects costs of financial instruments. The cost is passed onto the consumer. Further increases in interest rates affects behaviors in the market. People mt usually spend less and park their money in investment schemes or high-yield savings accounts if they know they're gonna get higher interest rates. Borrowers will have to pay more on their loans and therefore, less people may want to access loans. This drives down demand, especially when demand is outstripping supply given the amount of money in the economy and the limited supply. However, those without money or limited funds will bear the brunt of the cost stemming from the increase in interest rates. Raising interest rates must be understood in terms of who benefits? Lenders, Bankers, the rich, those with money who can afford to lend and garner greater returns from a slowing economy, and those who can afford to park millions in investments and high-yield savings accounts. The rest will see a freeze in salaries and wages, increase in mortgages and loans, some consumer goods given the increase in production and labor costs coming from higher interests on business loans. The cost is passed to the working class so as to keep them working class and to ensure supernormal profit for the rich. The Feds, comprised of wealthy investors financiers, old money and politicians who control monetary policies have come to supply a doctrine enshrined into psyche and academia without challenge. If the Feds increase rates to mob-up-liquidity, it means then that they are increasing the cost of living on the working class so that they can retreat to the usual, working paycheck-to-paycheck, because the thinking is that there's too much money in the economy? But --- Send in a voice message: https://anchor.fm/theneoliberal/message Support this podcast: https://anchor.fm/theneoliberal/support

Trending Ideas And Current Events Affecting M&A Financing For Wealth Management In this podcast version of the Borrower Briefing Webinar for January 2023, credit and lending experts Chris Jewett and Nick Barker join Mike Langford to share their insights on the current state of lending in the wealth management industry. The briefing covers timely and pertinent topics financial advisors acquiring practices should know. Buyers who prepare early and are educated about lending can win with deal structure over their competition.

What in the name of bloody Borrowers is this mess?

How FinTech is Innovating Credit and Products for the Next Generation of Borrowers Hosts - Sharon Lorman, Vice President, The Kafafian Group, Inc.        Robert Kafafian, Chairman & CEO, The Kafafian Group, Inc. Guest - David Kafafian, Chief Operating Officer, Stride Funding Inc.

Exciting news for student loan borrowers! The new REPAYE plan proposed by President Biden aims to simplify the existing plan and offer more benefits to borrowers. It's an earth-shattering moment in higher education. A few highlights include being able to file separately for taxes (if you're married), qualifying for interest subsidies of 100%, and getting a 225% poverty line deduction to lower student loan payments. I'm diving into the nitty gritty details to help you understand how this plan may impact you.  In today's episode, you'll find out: What is the new repayment plan The ins and outs of the family size deduction Who can access the new income-based repayment plan Why the new repayment plan is vital for borrowers Why you need to figure out if PAYE is right for you right now How the Biden Administration modifies the income-driven plan The impact of the changes on student loan borrowers How many borrowers could pay $100 or less on their student loans How we'll serve this new group of borrowers who needs our advice Will the IDR plan be implemented What to do if you need to apply for a student loan forgiveness waiver What to expect next from student loans   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn   Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

Shiur given by Rabbi Bezalel Rudinsky on Halacha Choshen Mishpat. Shiur recorded in Yeshivas Ohr Reuven, Monsey, NY.

The Biden Administration announced a new income-driven repayment plan that can significantly benefit millions of student loan borrowers. Student Loan Advisors Meagan McGuire, CSLP®, and Conor Mahlmann, CSLP®, discuss the revamped REPAYE plan that was recently proposed. Find out how the modified plan increases the poverty line deduction and provides interest subsidies to lower payments for anyone on income-driven plans. Whether you have undergraduate or graduate loans, you'll learn the mechanics of how the plan calculates payments and how it could affect you. Meagan and Connor also note that the plan is still in the commenting period and may be subject to changes. In today's episode, you'll find out: The new plan isn't really a new plan at all The basics of the proposed modifications to the REPAYE plan How the increase in poverty line deduction can instantly lower your monthly payments The role of adjusted gross income (AGI) in calculating your payment amount The interest subsidy that can cut your payment amount How it impacts couples who file taxes as married filing separately The biggest differences between the old REPAYE plan and the new REPAYE plan Why switching to PAYE down the line might not be an option What is double consolidation and why it makes sense for some borrowers How consolidation of forgiveness credit works When PAYE is best vs. the new revamped plan What to watch for with the IDR Waiver

A Biden administration plan unveiled this week would allow lower-income borrowers to pay less and make it easier for them to wipe away their student debt if they are enrolled in income-driven repayment plans. WSJ reporter Gabriel T. Rubin joins host J.R. Whalen with details.  Learn more about your ad choices. Visit megaphone.fm/adchoices

With Greg McBride, Chief Financial Analyst at Bankrate.com

Included in this episode: 1. A New Student Loan Plan Could Reduce the Burden for 10 Million Borrowers. Here's How 2. At Least 14 People Killed in Violent Flooding Across California. Here's What to Know 3. Investigations, Distrust, and Stigma: Why George Santos May Not Get Much Done in Congress 4. Column: How to Make Gratitude Feel Less Like a Chore .

The following guest sits down with host Justin White:•   Rich Hunt – President, AGI Family of CompaniesCultivating Real Relationships With Borrowers and Real Estate Agents Brings Business Back to You Relationships are the lifeblood of repeat business and in a transactional business like mortgages, it can be easy to lose sight of how to build them. How can mortgage brokers make borrowers remember them for their next home loan? Listen to Episode #35 of Good. Better. Broker. as we talk with a Scotsman Guide Top Originator who built his business by picking up the phone and showing a genuine interest in his clients and referral partners.In this episode of the Good. Better. Broker. podcast, you'll learn how to build sustainable relationships that lead to sustainable business. In this episode, we discuss ...•   1:49 – How Rich has maintained relationships with his clients•   2:51 – Why Rich dedicates an hour a day to calling clients•   4:34 – Rich explains his company's mantra and how that plays into his relationships•   5:47 – The importance of treating every phone call like it's the only one•   8:18 – Why every phone call should be viewed as an opportunity•   9:27 – The first question Rich asks a client •   11:17 – Rich explains how simply answering the phone leads to deals•   12:01 – How Rich maintains relationships with real estate agents as his company grows•   15:17 – Why staying in front of clients in a personal way leads to business•   16:28 – How expanding your sphere of influence brings repeat businessResources Mentioned in This Episode: Brand 360Show Contributor:Rich HuntConnect on LinkedInConnect on FacebookConnect on InstagramJustin White is UWM's in-house brand journalist and the host of the daily news video, Inside Pass. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University.Connect with Justin on LinkedIn, Instagram or TwitterConnect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates.

Michael has been involved in commercial real estate for almost 20 years in various capacities. He started as an analyst responsible for reviewing transactions and coordinating with the lender to package and document the loan file. Over a 10-year period, Michael applied his problem-solving skills to these transactions to help facilitate loan closings. That experience has led to Michael's transition from packaging loans to origination. Few loan officers have the knowledge depth given his history with every facet of the loan process. It sets him apart and makes him uniquely qualified to review loan scenarios for clients. Michael has lived in the Pacific Northwest his entire life and currently resides in Central Oregon with his wife and 2 children.   In this episode, Michael shares his expert insight on the current state of the lending environment and how the pandemic has caused a shift in post-COVID work environments. He talks about the need for repurposing office spaces into multi-family homes and retail spaces with necessary services, as well as what lenders look for when investing in these projects. To learn more about Michael, listeners can visit his website at Stack Source!   [00:01 - 03:15] Opening Segment Michael discusses his company, “Stack Source” His company matches investors with potential lenders based on data points such as location, loan value, asset type, etc.   [03:16 - 06:46] Tightening Standards And Responding To Market Trends His company provides transparency to borrowers by allowing them to see who is quoting and what those are Keep their database trim and fit, and has a feedback system internally to ensure they work with lenders that meet their criteria Equity placement has become difficult for value-add properties Lenders prefer lower leverage debt on the property with long-term decks Interest rates have leveled off recently, but are expected to increase over the next year Borrowers have adjusted quickly to rising rates and are now pressuring sellers for discounts Lenders are most comfortable with 5-7 year terms and are nervous about 10-year terms Borrowers should be patient when looking for deals and look at higher cap rate markets   [06:47 - 30:29] Closing Segment   Michael advises listeners on how to stay up to date on the lending environment    Michael shares where you can get in contact with him (links below) Quote/s: “Be patient as you're out looking and be patient in what you're looking at. And underwriting that exit is important and being reasonable and rational about what will that look like at the end.” – Michael Coffee  You can connect with Michael through his:  Website: Stack Source LinkedIn: Michael Coffee WANT TO LEARN MORE?   Connect with me through LinkedIn   Or send me an email at sujata@luxe-cap.com   Visit my website www.luxe-cap.com or my YouTube channel   Thanks for tuning in!   If you liked my show, LEAVE A 5-STAR REVIEW, like, and subscribe!

On this episode of Broker to Broker, host Marc Summers sits down with Broker/Owner of K2K Mortgage, Kris Radermacher. Kris shares the secrets of how she's established, maintained, and lived her memorable branding, and how she's taken advocating for the betterment of her client's long-term finances to an unprecedented level. From her returning clients, all the way to those who have only seen her K2K branding in passing –- there's no denying Kris has made herself and her business unforgettable. Kris shares how consistently going beyond the call of duty to advocate for even the toughest borrower cases has brought her incredible success in 2022. “It's so important now to be giving that extra to people. Where brokers are so much better is that only brokers can do loans that most can't, right?” Kris notes “Wells Fargo tells the client they can't get approved, and never tells them how to fix their situation. That client may be able to get approved. It may not be as far away as we think.. And that's where I think I've set my business kind of apart, is that honestly, I will have a talk with anybody. I tell agents, send in my way, let's chat about it. Let's see if there's a fix.” Key Points: 1:41 From Retail to Founding K2K in the Wholesale Channel 3:45 The Broker Boutique Process 6:37 Using The Experian Credit Report App to Clients' Benefit 9:37 Reverse Bruised Credit for your Borrowers   14:56 Making an Impression & Establishing Strong Branding 25:34 Investing in Yourself in 2023 This episode is sponsored by Homepoint

On this week's episode, Sales Manager Bob Rabuck talks about SBA loans and how to qualify.If you have a question you want us to answer on the podcast, email it to info@fountainheadcc.com

Amy Sylvis is the founder and principal of Sylvis Capital, a real estate firm that invests in large commercial real estate properties in emerging markets throughout the United States. Accredited and non-accredited investors appreciate investing alongside her to take advantage of not only her extensive experience but also her detailed research and exclusive relationships.    In this episode, Chad welcomes back Amy to talk about the supply and demand of currency, buyer and seller sentiment in commercial real estate assets, and how businesses are attempting to stay afloat. They also explore inflation, regressive taxes, and how savvy investors can take advantage of devalued money with borrowed funds. Lastly, they discuss the potential risks associated with such a drastic currency devaluation and how it could lead to major economic changes in the future.  Learn more about ALTERNATIVE BUSINESS and INVESTMENT STRATEGIES through QUATTRO CAPITAL! LinkedIn: /TeamQuattroCapital Instagram: @TeamQuattroCapital Facebook: @TeamQuattroCapital Website: www.TheQuattroWay.com    [00:01 - 06:02] Opening Segment Welcoming back Amy Listen to episode 19 of the Real Estate Runway if you haven't yet! The US economy was intentionally shut down in March 2020 to save lives during the pandemic Leading to a 30% increase in the US currency supply This allowed businesses to continue functioning and prevented the economy from collapsing   [06:03 - 13:02] Consequences of Inflation during the Pandemic Inflation is an increase in the number of currency units in circulation Rising prices are a symptom of this occurring More dollars chasing the same amount of goods and services leads to higher prices A decrease in supply chain of virtually everything due to shutdowns caused scarcity Increase in currency supply not distributed equally, leading to the rich getting richer and those on fixed income not getting access to those dollars as soon Leverage was used to multiply wealth in real estate, but prices still rose due to a reduction in supply and free money from borrowing at rates below inflation   [13:03 - 22:49] Inflation Induced Debt Destruction Going into debt responsibly for productive assets is beneficial due to inflation-induced debt destruction The purchasing power of a dollar has decreased over the past 10 years Borrowers are on the winning side and lenders are on the losing side in this situation Inflation-induced debt destruction is when borrowers pay down their debt with devalued dollars Hyperinflation could lead to borrowers owning their assets outright after paying off their lender Utilizing debt can lead to wealth generation on both sides of the coin The dollar has depreciated by 95% since its inception [22:50 - 35:29] What does the future look like? History doesn't repeat itself verbatim, but it often rhymes The Fed's rate hikes may lead to a recession if they hold too long at higher rates On average, within two years of the first rate hike comes the first rate cut Interest rates are likely to level out at sub-6 % It is important to be aware of global economic connections and decisions Class A and B renters are better able to absorb rent increases than Class C renters   [35:30 - 36:46] Closing Segment See the links below to connect with Amy Final words   Quotes:   “It's so important to utilize these concrete numbers so people can visualize because gosh knows Wall Street isn't teaching us about this, and neither is the education system.” - Amy Sylvis   “Shutting down the economy could have blasted us back to the dark ages in a depression that none of us could ever imagine.” - Amy Sylvis   Connect with Amy through LinkedIn, or visit http://www.sylviscapital.com.   LEAVE A 5-STAR REVIEW + help someone who wants to explode their business growth by sharing this episode. Find out how team Quattro can help you by visiting www.TheQuattroWay.com. Real Estate Runway Podcast is all about alternative business and investment strategies to help you amplify life, and maximize wealth! Click here to find out more about the host, Chad Sutton.  

For many student loan borrowers, saving money can be daunting. Knowing how to save and where to put your hard-earned money can be a difficult decision to make. Student Loan Advisors Dan Rooker, CFP®, CSLP®, and Ben Lacomis, CSLP®, are here to help you make the best financial decisions. Here's a sneak peek into savings rates, updated savings and contribution rates for retirement accounts, and other common savings buckets to watch for, as well as examples of where you could save in 2023.   In today's episode, you'll find out:   The average savings rate in 2020 and why it was so high What Dan and Ben are looking forward to next year How Dan is approaching travel in 2023 Ben's focus on financial planning and growth in 2023 How to calculate your savings rate with student loan debt About the net worth calculator in our Student Loan Calculator spreadsheet The best place to put your money in 2023 Savings caps for retirement, health-related savings, and education savings 401(k), 403(b) and 457 plan maximums for next year What is a health savings account (HSA) HSA savings caps for next year Why HSAs are the Holy Grail of investment accounts How the Secure 2.0 Act can help employees save for retirement How income-driven repayment (IDR) plans can improve your net worth When to recertify your income if you're on an IDR plan Why borrowers with Direct Loans can hold off on recertifying for now   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn   Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

The following guests sit down with host Justin White:•   Michael Tranckino – CEO, Trusted Lending Center•   Katie Tranckino – COO, Trusted Lending CenterEngaging in Your Clients' Lives is Key to Driving Repeat Business and Earning ReferralsHeading into 2023, client retention will be a major area of focus for independent mortgage brokers. How can you stay in front of your clients even when they aren't in the market to buy or refinance? Listen to Episode #34 of Good. Better. Broker. as we talk with the owners of Trusted Lending Center in Arizona, a mortgage broker shop that stays top of mind with their borrowers by staying engaged in their lives.In this episode of the Good. Better. Broker. podcast, you'll learn how to ensure your past clients come back to you and also send you referrals. In this episode, we discuss ...•   1:48 – Mike and Katie on the company's overall approach to client retention•   3:25 – How Mike and Katie use coaching to shape their retention strategy•   6:14 – Touchpoints Mike and Katie use to engage with clients•   6:52 – How Mike and Katie use handwritten notes to stay in front of clients•   11:37 – How Mike and Katie use videos to communicate with and engage with clients•   14:06 – Staying top of mind with clients in a rising-rate environment•   17:26 – Mike and Katie on their preferred CRMs and the benefits of them•   18:56 – Katie's advice for other mortgage brokers on asking for referralsResources Mentioned in This Episode: Brian Buffini CoachingAmerican Greetings e-card videosClient ConnectShow Contributors:Michael and Katie TranckinoConnect on LinkedInConnect on FacebookConnect on InstagramJustin White is UWM's in-house brand journalist and the host of the daily news video, Inside Pass. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University.Connect with Justin on LinkedIn, Instagram or TwitterConnect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates.

On this episode of Broker to Broker, host JP Hussey sits down with Thomas Sloan, Certified Mortgage Advisor at Capital First Mortgage. Thomas shares his recent experiences of entering the Wholesale Channel just before the pandemic, and how navigating that environment was a crash course of how to succeed through the worst the mortgage industry had been since 2008. These experiences, in turn, made him a stronger advocate for his borrowers. It's evident that Thomas is a true mortgage expert and fiduciary – always looking out for his client's best financial interests. “The harder you work, the more you stay in touch with your borrowers,” Thomas states. “The more you pay attention to their pennies and try to save them money wherever you can – the more they appreciate you, then refer you. Most of my business is referrals from my borrowers to other people, not real estate agents.” Key Points: 2:44 From Hospitality to the Mortgage Industry 8:03 Becoming a Full-Time Broker 11:33 Working Lean with a Small Brokerage 15:57   Flexibility as a Business Model 19:57 Organic Leads Through Doing the Right Thing  25:46 Taking the Time to Educate Realtors 29:57 Humanizing Yourself to your Borrowers This episode is sponsored by RCN Capital

In her new book, Delinquent: Inside America's Debt Machine, investigative journalist and former industry insider at Capital One Elena Botella details how banks use predatory strategies to induce American borrowers into debt they can't repay, by exploiting common weaknesses in how we think about money.

With interest rates rising and the economy slowing, the world of credit is getting a lot harder for both lenders and borrowers — and that's especially painful in the mortgage market, given how high house prices are. Matt Sanchez, Founder and CTO of CognitiveScale thinks that Artificial Intelligence can help: it can help loan officers identify potential borrowers ahead of time, and it can help borrowers get access to the right mortgage offers. Can it also help make the lending process more fair? Matt , an IBM veteran and a board member of the Responsible AI Institute, believes it can. In this talk with hosts Michael Leifman and Marco Annunziata, Matt explains the value that CognitiveScale's TrustStar solution brings to the table, and how. TrustStar is only one of the AI solutions developed by CognitiveScale, so you may hear more from Matt…

145: If you've ever sold land with seller financing, and if you've taken the approach of not pulling credit reports or investigating the borrower's ability to repay (i.e., loan underwriting), you're probably familiar with the disappointment of a borrower who stops paying and leaves you to pick up the pieces.(Show Notes: REtipster.com/145)What if there was a better way to create a more predictable income stream from each property you sold with owner financing?There is! And the process is surprisingly easy, especially if you enlist the help of a residential mortgage loan originator (RMLO).In this episode, I'm talking with Max Bailey from CalltheUnderwriter.com to discuss the "how" and the "why" of using an RMLO. After hearing the rationale behind this kind of service, you may ask why you wouldn't use this for every seller-financed property you sell in the future!

On this episode of the Note Closers Show, Scott Carson shares a recent note deal that a student approached him with on the best way to work with a distressed borrower who was also elderly. Scott discusses the different strategies that note investors face and how this borrower might be the perfect fit for a reverse mortgage that pays off the underlying debt and gives the borrower some cash or monthly payments and allows them to stay in their home based on a large amount of equity without ever having to make a mortgage payment again. Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Since March 2020, the student loan pause started a trend of more generosity for borrowers — more generous programs, IDR plans, waivers, PSLF rules and more. But the past couple of weeks have seen judges strike back against many of the student loan initiatives. Learn how a federal judge in Texas struck down the entire student loan cancellation program, how borrowers can benefit from some of the options still out there for student loans, and student loan changes we might see in 2023. In today's episode, you'll find out: How a federal judge in Texas struck down the entire student loan cancellation program What fueled the attack in the Texas cancellation case The major questions doctrine and how it applies here The impact of the Texas ruling on the student loan payment pause Why student loan payments might not resume in January New rules for bankruptcy and student loans Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn   Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

‘This is not our customer...' That was the common justification banks used to deny loans to the entrepreneurs Shivani Siroya supported through her work with the United Nations. While it's not unusual for a tech startup to raise millions before ever launching a product, small business owners across the globe are all-too-often deemed unworthy of even just a few hundred dollars by traditional financial institutions. In 2011, Shivani set out to change this at scale. Her company, Tala, has since disbursed more than $3 billion in microloans across India, Kenya, Mexico, and the Philippines. Borrowers simply answer a few questions on a mobile app and — within minutes — they have access to capital. What's more is that the vast majority of the Tala's loans are repaid, even with such a frictionless vetting process. This week on How I Built This Lab, Shivani talks with Guy about the lightbulb moments that drove the creation of this vital credit solution and its potential to uplift entire national economies. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Student loans for higher education promises immigrants and people of color access to the American Dream — but at what cost? Higher education has traditionally been a pathway to achieving the American Dream for people of color and immigrants, but the high cost of tuition has resulted in a deepening of the wealth divide as student debt continues to create an economic crisis. Borrowers, including show producer Rahima Nasa, share their stories of how student loan repayment drastically changed their financial picture. Plus, policy expert and author of The Sum of Us: What Racism Costs Everyone and How We Can Prosper Together, Heather McGhee, joins host Kai Wright to discuss federal forgiveness efforts and what else the U.S. government could do to promote economic equality with respect to racial justice.  Companion listening for this episode: The Promise and Failure of Cryptocurrency (7/11/2022) Cryptocurrency promised to democratize the financial world by giving people equal access to banking tools. It has potential, but also a long way to go. “Notes from America” airs live on Sunday evenings at 6pm ET. The podcast episodes are lightly edited from our live broadcasts. To catch all the action, tune into the show on Sunday nights via the stream on notesfromamerica.org or on WNYC's YouTube channel.   We want to hear from you! Connect with us on Instagram and Twitter @noteswithkai or email us at notes@wnyc.org.