Podcasts about btr

If you've searched for “affordable relationship counseling near me,” it’s important to know these five things before you schedule an appointment. FIVE THINGS TO KNOW BEFORE SCHEDULING AFFORDABLE RELATIONSHIP COUNSELING NEAR ME 1. A RELATIONSHIP COUNSELOR PROBABLY WON’T TELL YOU THEY CAN’T HELP YOU Most relationship therapists genuinely want to help, and they believe they have the right training and tools to help you. If helping couples overcome issues is their business and livelihood, it's natural they don't want to turn people away. However, many relationship counselors don’t really understand how emotional abuse works and how to screen for it. No matter what they do to help you, it will not help, and that lack of clarity can keep you in harm’s way longer, which benefits the counselor and the abuser…not you. So it’s really important to learn about emotional abuse first. 2. A RELATIONSHIP COUNSELOR WON’T TAKE SIDES, EVEN IF ONLY ONE PERSON IS THE PROBLEM A core part of relationship counseling ethics is that the counselor is not supposed to take sides. And that makes sense. But if your husband is abusive then it’s unethical to treat this as a couple problem when it’s not.  Even if the therapist says, “This is emotional abuse and I can still help you.” That’s not a thing. Because if he’s lying, he’s going to use those couple sessions to continue to lie and manipulate. 3. TALK THERAPY WON’T HELP IF HE HAS A HISTORY OF LYING OR MANIPULATION If your husband is lying, deflecting, or rewriting reality then, therapy is just gonna be more of that. There’s no way to convince somebody not to lie and manipulate, and you won’t know they’re doing it. Stay to the end—I'll show you what the women in our community say they wish they’d known sooner. 4. MANY, MANY WOMEN HAVE BEEN HARMED BY “AFFORDABLE RELATIONSHIP COUNSELING NEAR ME” After more than a decade of doing this work and hearing from hundreds of women who started by searching “affordable relationship counseling near me” or were referred by a friend, a clear pattern shows up. Many, many women have been extremely harmed by couples therapists who did not know that they witnessed emotional abuse inside their offices. In some cases, what the women shared in sessions was later used against them at home or in court. 5. PROGRESS CAN BE MEASURED BY YOUR FEELINGS, NOT BY HIS CHANGED BEHAVIOR  Therapists rely on what they’re witnessing inside of that session. So if your husband says he’s improving, if he says he gets it, if he says he’s sorry, then the therapist is like, “Look, he’s sorry.” They can’t witness his behavior over time, like you do at home. So you know more about this than they do, and you can trust your instincts about it. To find out if your husband is using any one of the 19 different types of emotional abuse, take my free emotional abuse test. In this interview, Aliya shares what it looked like when the “expert” she trusted blurred lines in ways that felt increasingly difficult to make sense of. TRANSCRIPT: ONE WOMAN’S STORY OF UNETHICAL AFFORDABELE RELATIONSHIP COUNSELING NEAR ME Anne: We have a member of our community on today’s episode. We’re gonna call her Aliya. A so-called domestic abuse expert exploited her. Welcome, Aliya. Aliya: Thank you. Anne: Let’s start with how you met him. Aliya: I met him online through his network, taking classes and such. After I took a couple of classes with him, I started splitting time with him or co-counseling with him. Which was designed to help people discharge emotion. So if you have stuck trauma or PTSD experiences, you can get with a co-counselor and listen to each other, and hopefully discharge all that stuck trauma by crying, laughing, screaming or trembling. Anne: Were you paying for his services? Aliya: There was no payment. No, not at all. In fact, the attitude was, “I am doing you a favor. You’re the special chosen one. You get to help me. Everybody would love to be with me, but I chose you.” Anne: Oh, so he chose you to be his client? But you didn’t have to pay him and you were special, and so you also got to work for him. HE SAID, “I’M THE BEST CO-COUNSELOR HE HAS EVER HAD” Aliya: At first, I was co-counseling with him as though he were a counselor, but I was also taking turns as the “counselor”. Ultimately, I ended up moving to the state where he lives. There were supposed to be a lot of in-person events. Started helping him teach these classes and do administrative tasks and things like that, in addition to now co-counseling in person. And that’s where things got a little weird for me. Anne: So there’s a double relationship happening here where you’re working for him, but he’s also your counselor in this arrangement. Aliya: Exactly. Anne: In therapeutic circles, this is called a dual relationship. It’s unethical. It’s against the therapeutic ethics rules and is something people need to know before they search for affordable relationship counseling near me. But in his case, he’s not a therapist. This marriage therapy isn’t working. Can you talk about how like it first felt? Aliya: Sure, it felt great at first. Here’s this guy with all this knowledge and expertise, and he’s flattering me. He’s doing the love bombing thing, although we’re not in a romantic relationship. He is telling me how smart I am, and how inspiring it is to know me and all those kind of things. I’m just wonderful and can do no wrong. And I’m the best co-counselor he has ever had and all that. He would reach out and touch my hair and tell me how great my hair looks, and say, “Any excuse to come over and see you.” When he would come over to work on administrative stuff. So there were some double messages. “My life is so much better now that you’re in it,” things like that. HE STARTED CROSSING MORE ETHICAL BOUNDARIES Aliya: It felt very personal. He was constantly flattering me and complimenting me. A male friend had to point this out to me. “When was the last time I reached out and casually touched a man’s hair? Never.” And if I did that to him. He would’ve been offended, because now I crossed a boundary. But it was okay for him to do that to me. And then it got really hairy for me, because we started cuddling. We were on the couch together a lot and I was soaking up all this affection and warmth, and that worked on me emotionally. Anne: I am so, so sorry. He’s the expert, preying on vulnerable women. To hear that he’s cuddling people, that he’s doing pseudo professional coaching slash therapy. It sounds like a mess. I am so sorry. This is definitely affordable relationship counseling near me gone wrong. There were lots of signs of an abusive therapist in this situation. Aliya: When things took a turn, it was subtle at first. He used a few subtle put downs, and then not show up on time or cancel. Anne: Just for our listeners, so that they can hear what maybe a subtle put down might sound like, can you think of any examples? Aliya: The first one that came to mind, we served on a committee with one other person. She was on Zoom, and we were here in my house. and I said, “I’m getting milk to put in my tea.” I used Muscle Milk. He gave this disgusted look and went. “Well, is it even milk?” Just things like that. Why are you sitting over there instead of over here with us? I mean, things of no consequence whatsoever. But he felt the need to say something. I COULD FEEL THE SHIFT IN AFFORDABLE RELATIONSHIP COUNSELING NEAR ME Aliya: One time when I said something to him, he got very distracted and started looking at his phone and doing all kinds of things that typically abusive men would do. That he had never done before. So I could feel it shifting a little bit at that point. I was still co-counseling with him, and we co-counselled just about every single Friday. I helped him teach classes, helped him do his calendar and plan for the future, and maybe do a retreat. There was supposed to be a retreat, twice a year. I think there was one retreat in two years. So none of it was really panning out. There was not a single in-person event for two years. That was the administrative work. But during sessions, we would typically take 45 minutes each and take turns talking. And there’s a no advice rule, so you don’t give anybody any advice. But he would encourage me to get in touch with the pain, trauma and fear. And it could get pretty intense at times. I felt like he was getting bored with me. This affordable relationship counseling near me wasn’t feeling good. EVERYONE IN HIS ORGANIZATION IS VOLUNTEER Anne: How soon did you see that his actions and his words didn’t match? Aliya: He maintained his facade for maybe five or six months. And then it was, “Oh, I’m busy. Oh, I’m going to be late. Oh, I have to cancel, et cetera.” There was a time when the other person on this administrative committee with me, we were meeting every week supposedly. But he canceled at least half the time. And she said, “Why don’t we just meet once a month? Why don’t we schedule it differently?” And he got angry about that. He wanted us to be available every single Tuesday. In case he felt like showing up. Anne: So when he starts to be like, maybe you should get another co-counselor. So you would start paying this new co-counselor, or is everything in his organization volunteer and nobody pays anybody anything? Aliya: It’s all volunteer. It’s peer counseling. You’re doing it together. Everybody’s supposed to be equal. And no power hierarchy, although that’s a false premise. Because he’s somewhat of a well-known guru, and lots of women look up to him. He said he wanted a different co-counselor. Like he was done with me. He was gonna look for somebody else. But he didn’t actually address that properly. In fact, we did not stop co-counseling for at least another year after that. IT’S A LITTLE CULTISH Anne: It sounds very wishy washy. If someone isn’t paying for services, there’s no professional relationship in terms of the exchange of a fee is it like a church? What’s going on? Aliya: And it’s not well defined. That is the problem. I mean, you’re paying with your time, so you get 45 minutes. I get 45 minutes. If we have to cut it short on your turn, then I owe you the remainder of the time. Everything has to be equal in that regard. And nobody gets to dominate the conversation. Nobody gets one way time unless you agree to make it up later. It’s not well-defined. Anne: Which is hard because if you’re not paying them, how would you define that relationship? It kind of sounds a little bit commune-ish. Did it feel like that? Aliya: It’s a little cultish. And I think that’s his desire is to have a commune, really. Anne: Oh really? Aliya: Yeah. Anne: Living in a place where someone else made me dinner, but they didn’t necessarily live in my house. Doesn’t that sound good to everyone in some ways? WHEN AFFORDABLE RELATIONSHIP COUNSELING NEAR ME IS CENTERED ON THE “EXPERT” Anne: So because you were in administration, was it working for other people? I’m assuming most of the “co counselors” volunteering in this network were women co-counseling other women. Was he the only man? Aliya: There were two or three other men. One who was pretty consistent, because he was doing all the IT stuff for free also. And there was one other guy that just came and went. But yes, 99% of the participants are women. He is a harem builder. Anne: If you didn’t have him as your co-counselor and you had another woman. Was it working out for everybody else? Was this affordable relationship counseling near me benefitting others? Aliya: I did co-counsel with a woman for a while, and yeah, I think some people were benefiting from it, but at the same time have to understand, these are just lay people. It’s not necessarily safe for people. And so it’s a little iffy, And I think sometimes it just devolves. Anne: From your experience, what warnings would you have for people when they’re looking for a resource? Aliya: Pay attention to your gut, of course. There were moments along the way when I thought to myself, this is not gonna end well for me, because I noticed him treating other people poorly. HE’S ROLE PLAYING Aliya: I just blindly trusted this person. His written work was so impressive. It had helped me so much that I couldn’t believe he could be a perpetrator. Anne: Yeah, I’ve recommended books in the past. Then we heard back from women who went to that author for services. It surprised me because their services didn’t seem in line with what was on the page. And of course, it is hard for me because this is what I do. And I’m not perfect. So people could meet me and be like, oh my word, she was not as nice as I thought or something. Maybe ’cause I had a stomach ache. You never know. There’s that saying, “Never meet your heroes.” Because the written word is edited, it’s different than meeting someone in person. I guess what I’m asking is in meeting him, was it a feeling like he didn’t understand his own stuff? Does that make sense? Did it feel like there was a disconnect that he was play acting what he knew was the right answer? Aliya: That’s a good description actually: he’s role playing. So he can be very empathic and know all the right things to say. But there’s no depth to it. As long as it doesn’t require anything of him, he can be kind and supportive because he doesn’t have a dog in the fight. It’s only when there’s a conflict with him that his true colors come out. MAKE SURE BOUNDARIES ARE CLEARLY DEFINED Anne: Well, and if you’re in a commune, I’ll call it that. There’s gonna be some conflicts. If you don’t set it up as like, “Hey, I am a professional. You’ll be paying me for my services. This is how long our sessions will be.” That’s how it’s set up here at BTR. There’s no one with a dual relationship. Accredited coaching schools train our coaches. Plus divorce coaching certifications and all those certifications that our coaches have here. They are the best emotional support groups online. There’s some clearly defined boundaries. So if someone’s setting it up as a friendship or a relationship of equals, that’s a different situation. That means he’s not in charge. It means he can’t call the shots because of the way it’s set up. Even though it’s affordable relationship counseling near me. Aliya: Right, theoretically. Yes, we’re all supposed to be equals. Anne: I think this is a lesson for women in terms of their spouses. Is that you can go to couple therapy with your spouse. You can get them all the right information. They can regurgitate the right information back to you, supposedly understand all of the principles of abuse. They could understand the principles of healthy living. But then not actually believe it or use it. I think that’s surprising to people. AFFORDABLE RELATIONSHIP COUNSELING NEAR ME: HE’S DOING IT ON PURPOSE Anne: Like with my ex, he went to therapy for a long time. He could talk about addiction recovery, recite the 12 steps. He knew it very, very well. And really acted like he was in recovery. So the difference between knowing something and either believing it or using it or having it in Christian terms, sort of written upon your heart. Sometimes Christians use that terminology. I think it’s surprising to people that somebody can live in those two worlds. Especially, like a lot of Christians come to BTR for help, knowing that their husband reads the Bible, goes to church or purports to be a Christian. He knows everything, but he doesn’t do it. It’s shocking. Aliya: It is shocking to realize that he wrote that book, which is so well known and so helpful. I still say the book helped me tremendously, even though I now consider it more of an autobiography. Yeah, it’s a weird disconnect. That if you have a conflict with him, he starts demonstrating all the abusive tactics he wrote about. And I even think it’s a little more sinister than that. I think he knows what he’s doing, and he’s doing it on purpose because he enjoys it. So he gets women to come to him, surround him, help him with his work, engage with him, display all their emotional wounds to him, and then it’s fun for him to do the big discard. Yeah, very hurtful. WHEN THE “EXPERT” DOESN’T VALUE PEOPLE Aliya: I talked to five or six other women who have worked with him and not been paid. Or maybe gone out with him a couple of times and had it end badly. He doesn’t value people. People are interchangeable to him. It could be me one day and somebody else the next day. That’s what I didn’t understand. How can you sit and open your heart to somebody, and really to them, you’re still a nobody? He could just replace you. I noticed too late that in the process of co-counseling with him for two years, my mental health was declining. I was starting to feel more depressed. And I was wondering, is he gonna cancel this week or is he not? I was new in the area and he wouldn’t introduce me to anybody, because that was against his rules because he was absolutely adamant that we could not be friends. So I had to listen to him talk about his friends and activities around here, and though we have things in common, he would never introduce me to anybody. So I felt dependent on him, and he knew it and encouraged it. I was trying to run it for him. Me and another woman were trying to run it. He just had other things he would prefer to do. But most people in the organization were there to see him, because he’s the famous author with a head full of knowledge. So it died down quite a bit. And then we had a big fracture, he and I did. Because I started to feel suicidal. HE WASN’T THERE FOR ME WHEN I REALLY NEEDED HIM Aliya: He offered me a safe word to use in case I was really distraught. I could text him this word and he would know, and he would respond, and we could split some time together. Well, a few months went by and I used the word. He said he didn’t feel well and needed to cancel. That was for Friday. So I said, okay. He said, “We’ll do it Monday”. And I said, okay. Then on Saturday he changed the time for Monday. And then on Monday he told me he was feeling a lot better. So he would get back to me after he went and hung out with his friends. And he would let me know if he was available. And at that point I said, “No, thank you. I’m good. I don’t need to talk to you.” Anne: That’s very strange, that someone would not be like, okay, here’s the suicide hotline or something. Just putting you off rather than an actual suicide service. Or even say to them, “You know what? Suicide is not my area of expertise. I’m worried about you. I hope you can find the resources you need.” Even a frank, “This is outside of my scope of knowledge.” At BTR, because of confidentiality reasons, we don’t ever call any hotlines for anyone. But we would encourage someone to do it themselves. Like, you might be searching for affordable relationship counseling near me and need something outside of our scope. But to be like, I’m the end all, be all for everything. I’m so sorry, that’s wrong. AFFORDABLE RELATIONSHIP COUNSELING NEAR ME: I THINK IT WAS A SETUP Aliya: I think it was a setup in a way. It was his idea to have a safe word, and then he didn’t honor it. That caused a rift in the organization, because I was front and center in the organization. I answered his emails, helped him with his classes, and started groups for him. The one woman on the committee with me said, “Oh my gosh, wolf in sheep’s clothing. This is awful. I can’t believe it. I’m so sorry.” And the people started to think, well, where’s Aliya? What happened to her? Why isn’t she here? People wondered what happened. And I didn’t give a lot of details. I just said, “It’s not working for me. I’m moving on.” I thought it would be easy for him to generate a whole new group. And he has, they’ve started new classes. It sounds like they’ve had a retreat. The other woman on the committee with me called me and said, “Where are you?” Why aren’t you here?” And I was crying. I told her. She says to me, “Listen, I can’t fault him for something I didn’t witness.” I just said, “Do you really think he would behave that way if there were a witness?” And yeah, she didn’t respond to that. He’s so skilled at manipulating people. She’s a professional in some capacity who works with abused women too. It was horrifying. The betrayal in this affordable relationship counseling near me was amazing. So now she’s taken over most of my positions with him. The part that adds insult to injury is that he flipped the whole thing, blamed the whole thing on me. IT’S NOT MY FAULT HE’S NOT TRUSTWORTHY Aliya: I ended up feeling like it was my fault. Then I started to realize, wait a minute, this guy does not practice what he preaches at all. I just thought I could trust him. Like if you can trust anybody, it would be him, you know? And he knows that. Yeah, it’s not my fault that he is not trustworthy. He’s extremely good at his game. He’s so good. Anne: I’ve had other women who have been abused by therapists come on to talk about it. And the patterns are they’re not paying them or they’re not requesting pay. The sessions go longer than they’re supposed to. Physical contact, contact outside the session. It’s become like your social network. It kind of has a feeling of a church. ‘Cause it’s not like you’re paying and you’re all working together instead of professional services in this type of affordable relationship counseling near me. So those are some of the red flags. Aliya: Yeah, I agree. We did plenty of that, like emailing, texting, and things. So it wasn’t clean in any way. There were no well-defined parameters. I couldn’t tell, are we friends? Are we just working together? I’m working for him, but he is not paying me. We’re counseling together as peers, but I’m making myself vulnerable. He’s really not. That slowly dawned on me that he would stick to the same surfacey topics over and over again. HE’S A BAD ACTOR Aliya: Although he fancies himself an actor. If he wanted to cry, he got a photograph and sat down and looked at it and made himself cry. All just really weird stuff. Snuggling on the couch, even lying down on the couch a couple of times. Which was really strange for me, because I have a history of childhood sexual abuse, and it is bringing up a lot of stuff for me. But he takes it as, “Well, you know, it’s easier to cry it all out if you’re being held.” Very confusing, yeah. Like I know one woman who worked with him collaborated with him. So she asked him out, and he flew into a rage over it. When things go south like they did with me, he’s gonna say one of two things, either. Well, she just couldn’t accept that I wouldn’t socialize with her. He said that about me. Anne: This is someone who’s, sorry, I just have to interrupt and say, says someone who will snuggle with you on the couch. Aliya: Right. Yeah, and then the other thing that he always says is, “I’m a little concerned about her mental health.” So he said that about me too. He wasn’t really that concerned. Anne: He caused your mental health issues. Aliya: It was a huge betrayal. Like an arsonist, set a fire, and then run and hide in the bushes and sit and watch when the firetruck comes. ‘Cause he wrote the book, and then he gets everybody to trust him, and then he does what’s in the book. AFFORDABLE RELATIONSHIP COUNSELING NEAR ME: ABUSERS DO NOT LIKE STRUCTURE Aliya: Imagine the power he gets out of that, it’s sick. I use the word evil because I didn’t think of another word. It’s really sinister. Anne: The whole situation is sinister because of the lack of boundaries and the lack of structure. They do not like structure, because then they can’t do what they want, when they want it. So while it is affordable relationship counseling near me, there’s a huge emotional cost. And they have a hard time with divorce decrees, for example. And they have a hard time with things like what does the Bible says about divorce. They want her to follow rules to the T but they don’t mind just doing whatever they want. So having the structure of his organization be so wishy-washy and structureless, he gets to do whatever he wants in whatever way he wants. And if someone isn’t paying to have him be there at a certain time, he can cancel. Aliya: Yeah, and he still thought I would do administrative tasks for him after all this happened. Anne: I’m so sorry that this happened to you, and especially on top of your own story, which we haven’t talked about, that you went through abuse with your husband and then had this experience on top of it. When your husband is abusing you and you don’t recognize it, and finally you do, and you try to go for help. But it’s another thing when the people that are supposed to help you, it could be a therapist, clergy or abuse specialist, worsen things. You don’t know what is happening. THIS BETRAYAL WAS WORSE THAN MY HUSBAND’S Aliya: Yeah, they felt so different. Because with my ex-husband, as you said, I didn’t really notice or realize what was happening at first. And then when I did, I made a clean break from him. But this person was touting himself as a champion of women and a great support and totally understands what you’ve been through. And that betrayal felt worse to me, because he totally does understand. He’s written about what it does to women psychologically and emotionally, and how devastating it is. He knows full well what he is doing, and that to me is worse. Anne: Well, thank you for coming to talk about your experience with affordable relationship counseling near me. This is really important. I do wanna stress that unsafe resources can come from women, they can come from men. They can come from anyone. In the court system, for example, we have victims who are dealing with super abusive guardian ad litems who are women and men. That’s hard too, realizing that any resource could be unsafe. And then knowing what to look for so that you can find safe support. I think the other part is making sure that if you’re isolated and everyone who has been through abuse is isolated. That you are also creating friendships besides the professional support you’re relying on. So finding a quilting group, a church, or a hiking group, or some outside resource is really important as well. That can keep you grounded and help you heal. Cause I think abuse victims can heal in any way. And they find their voice after emotional abuse. SAFE CONNECTIONS MATTER Anne: But having a friend who cares about you, who you can talk to every day and go for a walk with and go to a movie, is really important. We should not underestimate real life connections with real people who are our friends and family over professional support, over affordable relationship counseling near me. And that’s the hard part. So many people don’t understand abuse. There are so many victims who can’t think of anybody in real life that they trust. I talk about this in the Living Free Workshop. If you have no one you can trust, coming to BTR. Going to our Betrayal Trauma Recovery group sessions, going to betrayal trauma individual sessions is great. I think it’s very important that things are defined clearly. That’s something here at BTR we take very seriously. So our group sessions have a hour and a half time limit, and our individual sessions have a 50 minute time limit. Women pay for services. We are all paid. That’s one reason why BTR does not recommend other resources. It’s not that an other resource couldn’t be amazing, it’s just that we don’t actually know what happens behind the scenes. And then also hopefully starting to make friends in your area somehow some way. I know that’s hard and overwhelming, but that’s gonna make a big difference. Being able to have people in real life who are your actual friends to support you. Did you find that after falling out with him, because a lot of your friends were part of the organization, that you were then isolated? Aliya: Yep, definitely. FINDING A SAFE AFFORDABLE RELATIONSHIP COUNSELING NEAR ME NETWORK Aliya: I lost friends in the organization for sure. But I have also made some friends here, so I’ve got a little network. I’ve only been here two years, so it takes awhile, but I feel like I’m making friends. One of my friends back home called it way before it came to a head, and she said, listen, if you wanna hang in there with him, I still love you. I’m not judging you, but you just need to know it’s not gonna end well for you. And she was right, and she still loves me. She’s not judging me, she’s still my friend. So I actually appreciate honesty like that. Anne: We stand with you, having been through it myself with my ex and other exploitative people who have exploited me, been dishonest in other areas of my life. It’s really shocking and hard to realize that there are people like this everywhere, and to know that manipulative people prey on vulnerable people. And so when you’re in this vulnerable state, which is natural for you to be in, learning some safety strategies to navigate that time is important. HOW TO MAKE STRATEGIC DECISIONS Aliya: That makes total sense. And most of the women that come to that network are just coming out of abusive relationships. So they’re vulnerable. Anne: Yeah, the Living Free Workshop, that I wrote, has that built into it. How to determine who’s safe and who isn’t safe. When is affordable relationship counseling near me safe? How to make decisions, so that the decisions you’re making, as you recognize this is abuse, can be strategic as you move forward. So if you’re listening and you’re like, “oh man, I’m worried about that,” then check out the Living Free Workshop. Aliya, thank you so much for sharing your story today. Aliya: Thank you.

You've built BTR Media into a 9-figure business with a 95%+ client retention rate — without chasing growth for growth's sake. What has been the hardest part of scaling while staying true to your people-first and relationship-first philosophy?You describe BTR as the “Ritz-Carlton of Amazon Advertising.” What does that look like in practice, both for your clients and your team?You're passionate about helping others overcome limiting beliefs. What's one limiting belief you personally had to break through as a founder, and how did it change the way you lead today?The future of retail media: With retail media growing across Amazon, Walmart, and Instacart, where do you see the biggest white space opportunities for brands to stand out in the next 2–3 years?What are you most excited about right now — for yourself, your clients, and for the retail media industry as a whole?What's one message you'd like to leave our listeners with today? 

The housing market in 2026 is defined by contradictions. Demand remains strong, yet affordability challenges persist. Builders continue to innovate, even as uncertainty clouds the economic outlook. Meanwhile, demographic shifts and changing consumer preferences are reshaping what Georgians want from their homes.   In part two of Atlanta Real Estate Forum Radio‘s mid-year market update, Jim Jacobi of Parkland Communities, Tim Arnold of D.R. Horton and Cara Lavender of John Burns Research and Consulting (JBREC) join Host Carol Morgan to discuss the forces driving today’s market. From the evolution of build-to-rent communities to construction costs and changing buyer expectations, the panel explored how industry leaders are adapting to a rapidly evolving landscape.  Demographic Shifts Will Shape the Next Decade  While much attention is focused on mortgage rates and affordability, longer-term demographic changes deserve equal consideration. An aging population, later marriages, declining birth rates and multigenerational living are altering housing demand. These shifts could influence everything from home design and community amenities to product mix and location strategies over the next decade.  “I think it’s kind of those changing demographics that are going to change what products we need, what type of housing we need, where we need it,” Lavender said.  Buyers Want More Choice & Better Value  Buyer priorities have evolved significantly since the post-pandemic housing boom. During the height of the market, consumers were eager to purchase almost any available home. Today, buyers are more selective and focused on maximizing value.  “They want to see more options, they want to have more choices,” Arnold said.  Rather than concentrating solely on purchase price, buyers increasingly evaluate value through the lens of square footage, functionality and available floor plans. Builders are responding by offering a wider variety of products within communities and across submarkets.  Affordability Means More Than Home Price  “Affordability is not just the house price,” Jacobi said. “Affordability is everything across the board.”  Emerging mortgage products designed to reduce barriers to homeownership are also helping expand access, including programs featuring zero down payments, no private mortgage insurance and reduced closing costs.  As lenders introduce more creative financing solutions, these tools could help more buyers achieve homeownership despite elevated rates.  Build-to-Rent Communities Continue to Evolve  Build-to-rent communities are entering a new phase of maturity, with developers moving away from one-size-fits-all approaches. Mixed-product developments featuring townhomes, single-family homes and ranch-style offerings designed for aging renters are becoming increasingly common.  Research from JBREC points to the same trend.  “When we look at that delivery pipeline, it’s pretty clear that townhomes and those mixed-product communities are going to be what dominates BTR deliveries in 2027,” Lavender said.  At the same time, renters are prioritizing practical value over luxury amenities. While amenities such as pools and fitness centers remain desirable, residents place greater emphasis on low-maintenance living, responsive management teams and services such as lawn care.  Construction Costs Remain a Daily Challenge  Although slowing housing starts have eased some labor pressures, construction costs continue to fluctuate.  “We work on it every day,” Arnold said. “It just continues to be a shift.”  Lumber pricing, tariffs and petroleum-based products all contribute to ongoing volatility. However, reduced apartment construction has expanded the available labor pool for residential projects. That increased competition among trades may help stabilize pricing moving forward.  Data Centers Create New Competition  Another emerging factor is the rapid growth of data center development. Large-scale investments from companies such as Amazon, Google, Meta and Microsoft could eventually impact residential construction by competing for labor and land.  According to broker surveys conducted by JBREC, approximately one-third of respondents reported seeing residential land transactions redirected toward data center projects. While not yet widespread, it is a trend the industry is watching closely.  The New Reality: Lower Velocity & Greater Uncertainty  Builders and developers have adjusted expectations in response to a more cautious environment. Sales pace, lease-up rates and incentives are increasingly built into underwriting models. Rather than anticipating rapid improvement, many operators are planning for a prolonged period of moderation extending into 2027.  The Grind Before the Next Growth Cycle  The defining characteristic of today’s housing market may ultimately be its complexity. Elevated interest rates, rising costs, shifting regulations and global economic uncertainty have forced builders, developers and researchers to rethink long-held assumptions and adapt in real time.  Rather than waiting for a return to the conditions of the past, industry leaders are learning to operate in an environment where flexibility, discipline and execution matter more than ever. Growth may come more slowly, and success may require a greater willingness to adjust strategies as conditions evolve.  Yet beneath the headlines about affordability challenges and market headwinds, the industry’s core mission remains unchanged. Housing is about more than economics and forecasts. It is about creating places where people build their lives, raise families and invest in their futures. Even amid uncertainty, the enduring value of homeownership continues to provide both purpose and optimism for those shaping the next chapter of the housing market.  Ready to hit rewind on Part 1? Listen to the full episode here.  About Parkland Communities  Parkland Communities, Inc., the parent company of build-to-rent home builder, Parkland Residential, is a privately owned, multifaceted real estate development and investment firm specializing in residential properties. With over 20 years of experience in the industry, Parkland Communities Inc. uses the latest market data, technology and established relationships to strategically secure new development opportunities in Atlanta's most desirable locations. The company's hands-on philosophy has made it a proven leader in the industry with a trusted reputation among elected officials, municipal staff, neighborhood associations, bankers and home builders. For more information on Parkland Communities, visit www.ParklandCo.com.  About D.R. Horton  As one of metro Atlanta’s leading home builders, D.R. Horton offers new homes across a variety of price points, product types and locations throughout the region. The company builds communities designed to meet the needs of first-time homebuyers, move-up purchasers and those seeking low-maintenance living, with a focus on quality construction, thoughtful design and attainable homeownership opportunities. Backed by the resources of America’s largest home builder, D.R. Horton continues to play a significant role in expanding housing options across Georgia’s growing markets. Learn more about D.R. Horton at https://www.DRHorton.com/.  About John Burns Research and Consulting  John Burns Research and Consulting provides data-driven insights across every housing sector, including new home construction, resale, single-family rental and build-to-rent. It helps companies make informed decisions and mitigate risk in order to identify opportunities in a complex market. From M&A projects to consumer surveys, the firm covers every aspect of the housing industry. Learn more about John Burns Research and Consulting at https://JBREC.com/.    Podcast Thanks       Thank you to Denim Marketing for sponsoring Atlanta Real Estate Forum Radio. Known as a trendsetter, Denim Marketing has been blogging since 2006 and podcasting since 2011. Contact them when you need quality, original content for social media, public relations, blogging, email marketing and promotions. A comfortable fit for companies of all shapes and sizes, Denim Marketing understands marketing strategies are not one-size-fits-all. The agency works with your company to create a perfectly tailored marketing strategy that will suit your needs and niche. Try Denim Marketing on for size by calling 770-383-3360 or by visiting www.DenimMarketing.com.        About Atlanta Real Estate Forum Radio       Atlanta Real Estate Forum Radio, presented by Denim Marketing, highlights the movers and shakers in the Atlanta real estate industry – the home builders, developers, Realtors and suppliers working to provide the American dream for Atlantans. For more information on how you can be featured as a guest, contact Denim Marketing at 770-383-3360 or fill out the Atlanta Real Estate Forum contact form. Subscribe to the Atlanta Real Estate Forum Radio podcast on iTunes, and if you like this week's show, be sure to rate it. Atlanta Real Estate Forum Radio was recently honored on FeedSpot's Top 100 Atlanta Podcasts, ranking 16th overall and number one out of all ranked real estate podcasts.  The post What's Really Changing in Housing Right Now? appeared first on Atlanta Real Estate Forum.

Are you seeing things in your marriage or a relationship that feel a little intense or puzzling…and you’re not sure if they're normal or actually signs of a toxic relationship? If so, it's important to pause and look at the pieces of the puzzle together to see what they might be telling you. To discover if you're in a toxic relationship take our free emotional abuse test. Here are five things that might seem “normal,” but aren’t: SIGNS OF A TOXIC RELATIONSHIP THAT ARE EASY TO MISS 1. HE WANTS TO MOVE THE RELATIONSHIP FORWARD QUICKLY When you’re in a relationship with someone who seemingly shares and cares about your values and interests, it’s easy to be swept up by the intensity of it all. Especially if the relationship seems to happen at the “right” time, and things move forward quickly. But this level of intensity and pace doesn’t give you time to slow down and really think about why you seem so compatible. 2. HE WANTS CONSTANT ACCESS TO YOU, BUT HE’S CLOSED OFF It might seem caring for your partner or husband to want to know where you are all of the time. But is it reciprocal or does it feel one-sided, like he needs constant visibility into your life, while parts of his remain just out of reach? Many women in these situations describe a quiet, hard-to-explain feeling that something isn't adding up. Like he's keeping close tabs on them… while also keeping options, information, or even other relationships carefully hidden. 3. HIS MOODS SHIFT SUDDENLY AND YOU DON’T KNOW WHY Think about it…in healthy relationships, partners are usually aware of the reasons why one partner isn’t in a good mood. They typically communicate about bad days at work or when they’re not feeling well. But in toxic relationships, that level of trust and communication often isn’t there, because one partner doesn’t want it to be. Everything's fine, until it's not, and then, it suddenly is again…And you're left trying to figure out what changed. 4. HE‘S UPSET OVER SMALL THINGS Things that don't seem like a big deal, suddenly are signs of a toxic relationship. For example, you miss a turn on the way to his best friend’s birthday party… and suddenly it's not about directions anymore. He's accusing you of being disrespectful, or doing it on purpose because you don’t want to go. Or you might simply ask him to help with the groceries, and suddenly he’s angry because, “you don’t respect his time and all the things he has to do.” 5. HE’S A DIFFERENT PERSON WHEN OTHERS ARE WATCHING Things feel tense, confusing, or even cold behind closed doors…but in public, he seems calm, kind, hardworking, and completely put together. For example, during counseling or around friends, he might appear thoughtful, patient, and willing to work on the relationship. He says the right things. He looks sincere. Other people may even be impressed by how hard he's trying. But when you're alone again, it's different. The warmth disappears. The tension returns. And you're left trying to reconcile the version of him everyone else sees…with the version you live with every day. If you relate and you need support, we’re always online to help you. Go to btr.org/group/ to see my daily support group schedule. TRANSCRIPT: EARLY SIGNS OF A TOXIC RELATIONSHIP WITH YOUR HUSBAND Anne:  I did an interview with a member of our community. We’re going to call her Iris, She talked about how his toxic patterns showed up in her marriage and what happened when she started using the strategies she learned in my workshop. Here’s that interview. Welcome, Iris.  Iris: Thank you. Glad to be here. Anne: Let’s start at the beginning of your story. Can you talk about how you felt when you first met your husband? Iris: He was very charming, and he seemed extremely sincere. Now I understand that he was love bombing me and was trying to make things go fast. It was very intense. And he preyed upon me at a time when I was really ready to get married and have kids. Everybody was getting married and having kids. So he went right for what was the most vulnerable part of me. And we met through a young adult single thing in our group. He proceeded to be very attentive. Anne: When you say young adult, single thing, that sounds a little bit like my faith. What’s your faith background? Iris: it’s the Catholic church. It’s actually Theology on Tap, which is at a brew pub, and you can buy a drink and mingle. And then they have a speaker. Anne: Kind of Matt Fraddish. Iris: Yes. Anne: I actually know Matt Fradd in real life. Iris: And I don’t go to the Catholic church anymore. But that was a huge part of our marriage and, we were really in a circle of pretty devout people. Which also I think contributed to my willingness to submit to him. Anne: When you say submit, can you talk about that a little bit more? EARLY CONTROL DISGUISED AS CARE AND SHARED VALUES Iris: Hindsight, there were red flags before we married. There were early signs of coercive control. It dates me, but cell phones weren’t the norm yet. And he bought me a cell phone so he could reach me more easily. He was pretty volatile. He asked me to marry him within a month or two and I deferred and we dated longer, but he was just intense. Then he would be very sorry. He would cold shoulder me at points. He’d be angry for things that were weird, wasn’t very flexible. Now I know these were signs of a toxic relationship. We went through nine months of marriage prep. So many Christian circles focus on the idea that the man is the head. I saw that in my parents' marriage too. My dad made all the decisions. My mom was independent in some ways, but she still did what he wanted. I think I expected marriage to look like that. The husband leads and the wife follows. Even though I was independent, had a master's degree, was over 30, and had traveled, I still lived in a huge Christian community where that model of marriage was everywhere. NOT RECOGNIZING SIGNS OF A TOXIC RELATIONSHIP Anne: And you just mentioned nobody actually says that, but they actually do say that, it might not be in so many words. It might not be so directly, but they like actually say it. And if you call ’em out and say, “Hey, you said this.” They usually deny it. “Of course, I didn’t say that.” And you’re like, “What? You did.” That’s the part that’s really confusing. The therapists come in or the clergy comes in, or the friends and family, and they gaslight you too. It’s like, “You’re putting words in my mouth. I didn’t say that.” Especially when they find out what he is really like, and you’re like, “What?” “You told me this.” “Well, I never did.” And they for sure did. It’s almost like no matter what you do, you can’t win. There are friends of mine and maybe friends of yours too, who are amazing and they’re like, “Oh my word, I said the wrong thing.” That is so validating. I feel like when I meet people like that, it’s easy to be like, “It’s okay did the ‘wrong thing’ too. I was doing the best I could and I didn’t know that he was abusive. And I didn’t know what was happening, and didn’t recognize signs of a toxic relationship. So I can’t blame you either.” But, for the other people who continue to not believe us and deny that they said or did certain things. ‘That’s harder. Cause it becomes this almost group of unhealthy people that you’re dealing with, rather than just the one unhealthy person. Iris: Right. Signs of a Toxic Relationship: The Sudden Switch After Marriage Anne: Did you end up going to couple therapy? Iris: In the Catholic Church you do Pre-Cana, which is pre-marriage counseling, and they saw some things that were concerning. He was very intent that he could change things. They would categorize it like how we were different. I think she said to me, “Life might always be kind of hard for him.” ‘Cause that’s what she was seeing.. He works very hard, so he seems very sincere. And he met with the man in the couple we met with. And read books and was very sincere. They said to us, “Oh, we’ve never seen somebody work so hard to try to improve themselves so that they’re ready for a marriage.” He impressed them, and I remember feeling exhausted by that point. And it was a mask. I now know that these were signs of a toxic relationship. Anne: Like you shouldn’t have to work that hard. to be normal. They are hard workers, because it would be very hard to pretend all the time. Iris: Right, and that’s how he lives. He has a mask all the time. We had this huge Catholic wedding, like an hour and 20 minute long mass. And it was that night the switch flipped. And he was angry. He cold shouldered me. We’d waited till our wedding night, and he said things that were incredibly humiliating. Seeing THE SAME SIGNS OF A TOXIC RELATIONSHIP IN OTHER WOMEN’S STORIES Iris: Then the next morning he would hardly talk to me. And we left the beautiful hotel. We were to go to a morning brunch at my parents, with guests who were from outta town and our families. And he was furious because people had decorated our car. And he had to stop at a car wash to rinse everything off before we even got to the wedding brunch. Anne: I used this story in my book. Iris: You did? Anne: Yes, this story. Someone else had the same story. Iris: Isn’t that amazing? Like how these Chucks do the same thing to us and have all the same signs of a toxic relationship. Anne: ‘ Like Twilight Zone. Cause you never gave me that story. Iris: isn’t that amazing? I feel like that in group a lot. I’m like, “Oh, that happened to me.” Anne: BTR has been like me trying to fit all the pieces together. And as I’ve tried to fit all the pieces together, things became very clear. And I’ve become very good at seeing in the dark. So this piece of the puzzle I was trying to get it to fit. Like why did he do that? I’ve never met you before, but I spent a lot of time piecing just this piece. With the other pieces that I had of other people’s stories to say, what was this about? I’ve spent so much time with this story in my brain and what it meant. I’m like, holy cow. Iris: Thank you. Thank you for somewhere to tell it, because it was something that felt so shameful for such a long time, rejected, and humiliated. RECOGNIZING THE PATTERNS OF EMOTIONALLY ABUSIVE PARTNERS Iris: So we went to that wedding brunch, and I knew he was on edge the whole time. Other people didn’t necessarily see that. We got back to the house we were making our home together, which was his house. And he was angry, he didn’t want to go on our honeymoon, but I was like, I’ve been planning a wedding. All I have been thinking of is being able to go rest on a beach. So he agreed to go, and it was a really a horrible week. He was just fighting. His anger and unreasonableness, were more signs of a toxic relationship. It’s so hard, because he can make it feel like I’m also participating. We finally came home after the week, and at several points I thought maybe I should just fly home,’because it was awful. How would I even ask somebody to come and pick me up? What would I say? What would I do? Feeling so humiliated, like we had this big wedding, we’d done all this preparation, so we finally came home and I remember the first morning after we’d gotten home. He got up, he didn’t even talk to me. He grabbed his mountain bike, and he went mountain biking all day. That was a pattern that repeats throughout our marriage, where he just does his own, yeah. Anne: I had a mountain biking all day incident as well that I wrote about in my book. All of a sudden I’m like, what is happening? This is Twilight Zone, yes. Iris: No way. The Chucks, it’s the Chuck thing, which has been the most powerful thing to learn. WOMEN HAVE DIFFERENT RESPONSES Anne: Surreal that they’re all the same. I think that’s one of the powerful things about our group sessions is that the women are so different. We all react differently and we’re all doing the right thing. Because all of our personalities are different. So some of us want to protect ourselves by being quiet and sitting back and that’s the right thing for us. Some of us want to fight the guy, because that’s how our personality is. But they do all the same things. It doesn’t seem the same, because we haven’t acted the same. And I think the thing that like really helps it all come together is when you realize they’re so transactional. That they’re going to manipulate you in whatever way works for you, all signs of a toxic relationship. So if you’ve been trying to protect yourself in a certain way, they’ve been countering your protection methods in a certain way. And then when you change up the way you’re trying to protect yourself, they almost become like a different person. But they’ve been that same exact person the whole time. It’s just that they’re so transactional that they’re like, oh, that’s not working anymore. I have to do this other thing. And this whole new set of problems comes out so they can be super, super nice or super aggressive. But the whole time, it’s manipulation and lies. Did he ever go through a time where he seemed like he was really great? WHEN PREGNANCY AND BAD ADVICE KEEP YOU STUCK WITH SIGNS OF A TOXIC RELATIONSHIP Iris: I got pregnant right away, so I probably would’ve left, but then I was pregnant and trying to navigate that. When I found out I was pregnant with my first baby, I went to therapy right away, and that therapist just didn’t have the skills to recognize an emotional cycle of abuse and really gaslit me. Then got pregnant again when my daughter was nine months old. So I had two babies, under 18 months old. That was another thing. In my faith, that I grew up with, you’re supposed to accept all babies. That was something that really kept me trapped. I knew once I was pregnant that I would always have to be linked to him. And that was incredibly devastating and terrifying. I think the Christian, and I’m going to say trope, I don’t want to make fun of anybody, but the trope of marriage that you just have to work hard enough and it will all be fine. That really was so damaging when signs of a toxic relationship are present. He did tell me early in our marriage that he had struggled with porn. He did the Every Man’s Battle stuff and everything like that. Also he confided in me that he’d used some at work. He has a security clearance and was about to be interviewed with a, polygraph. He was afraid they would ask him something like that. At the time, he was abusive our whole marriage, but it was the most intense. I didn’t even have the wherewithal to understand that. It was disturbing, it made me feel awful. But I didn’t have any brain space to process what to do with that. He downloaded it on me to get it off his chest. HE WAS Emotionally ABUSIVE ALL OF THE TIME Iris: After my second baby was born, he was probably seven months old, I tried to leave to go to a mom’s group. My ex-husband was angry with me because of my daughter, who’s my older one. I was working on potty training her. And I let her wear pants without underwear. She pooped and he was furious. He came up behind me in the bathroom and pushed me against the counter and said, “Next time, make sure she wears underwear.” So he was abusive all of the time, disrupted my sleep, and would wake me up in the night angry if I coughed. I had to sleep on 18 inches of the bed or less, without moving to not anger him. The reaction I had was to kick him to get him to back up. That’s when he grabbed me by the throat and started to strangle me. And I know now, but I felt terrible later. All I wanted to do was leave. I got my coat and I got in the car and I left. My children were still in the house with him. I just wanted to get away. I went to the mom’s group like everything was fine. But I was dissociated and in trauma. I had gone to my therapist then within a day or two and just poured everything out. And her response was, other women have it worse. And I was so humiliated, like feeling somehow I had caused this. Even though like I knew, I have education. I was in my thirties, I knew that wasn’t right. But the abuse had taken so much of my strength. That kept me so trapped for so long. It made it harder to open up. Therapists aren’t equipped to see signs of a toxic relationship Iris: And we went to so many marriage therapists, who just aren’t equipped. Because Chuck is charming, and they just don’t understand the dynamic except for one therapist who we did not go back to. They didn’t see the signs of a toxiC relationship. But she was crazy. So we went in, it was this dilapidated house. She was far back in the house. The door was open. We went in and sat down. Literally a dog with sores and the cone of shame came out, and she was like, I’ll be right there. Chuck was like, so wigged out. She came out and talked to us for a little while. She also had paranoid notes tacked up on her wall. Anyway, she talks to us for a little while, and Chuck is so wigged out, so Chuck is walking out. And before we leave she says, I want to give you something. And she hands me a page, and it has books on it. So I went home and ordered it, and then it came and I didn’t read it, like I couldn’t read it. I didn’t read it for the longest time, because it was just so painful. But that was the only therapist who saw the signs of a toxic relationship. And then I found out the next week she lost her license, in the newspaper. Anyway, she was the only one who saw the abuse and handed me a key. Anne: So she handed you a clue. When His “I Choose You” Doesn't Add Up Iris: A clue, and she was right. I had gone to other therapists over the years. I looked just crazy, because I would just cry. One therapist had different offices and I would always go to the wrong one. because I had no short term working memory available. Chuck disrupted my sleep. I’d be in the shower, he’d bring the baby in screaming and put them on the bath mat and I’d have to get out and take care of the baby. He’d drive angry, the list goes on and on. I just didn’t have the words to explain. We went to a mom’s group event where dads were invited. And he was angry at me the whole time, but only I knew that. And then I had to get in the car and drive home with him. So it was really intense. And then at about the seven year mark, he decided that marriage worked for him. It was such a delight, such a relief to have him gone for two weeks. He came home from a business trip. And he said, “I realized it’s been you the whole time. You’re really the one that I want to be married to.” Anne: Oh Iris: Right. Anne: Wait, he was having an affair. Iris: I don’t know. Anne: That sounds like something someone would say if they just broke up with someone. Because they’re like trying to choose between the person they’re having an affair with. In my book, I put the pieces together. FROM THE DAY WE GOT MARRIED, THERE WERE SIGNS OF A TOXIC RELATIONSHIP Anne: After interviewing over 200 women and hearing their stories. I’m pretty good at knowing what happened. I think in this situation, he’s having an affair and she breaks up with him. He’s feeling bummed about it. He might say out loud to you, I decided I want to be with you. Iris: Mm hmm Anne: You don’t have the context of the affair, of him breaking up with her. So this really weird out of the blue statement, “I’ve decided I want to be married to you.” When he’s been married to you for seven years is odd. It also feels like a relief, “Oh, maybe he just didn’t want to be married to me before, and now he’s choosing me.” But you don’t realize what a weird out of place thing that is, because he makes you feel better in that moment. I don’t know if that rings true to you, but it seems that would be the order of events that would precipitate out of the blue, telling you, “Oh, I’m choosing you now.” Iris: Yeah, it didn’t make me feel better, because from the day we got married, he was horrible. it was awful. Anne: So you’re like, great. Now this awful person really wants to be married to me. Iris: It felt like a lie. Now that I understand how Chuck works, like there was something he wanted, he didn’t really love me. Somebody who really loved me and realized they were wrong would’ve not said that. I think they would’ve said, ” I’ve been horrible. I can see why you wouldn’t even want to be married to me, but I realized I really want to be married to you. They would’ve said something to try to heal that. Anne: Some effort to repair. Seeing the Patterns and Signs of a Toxic Relationship Anne: Instead it was more signs of a toxic relationship. Iris: I think so. And I think that’s why it felt awful. Because he manipulated me. Which I don’t think I could verbalize at that time, but he manipulated again. Anne: Were you about to leave at that time? Was there anything about you that was different? Iris: He knew that I was unhappy, but he was abusive all of the time, yeah. Anne: Did you ever find out about explicit media use? Iris: He told me, in hindsight, he’d invited a single woman that he’d never met to our wedding. Which was weird. It was a last minute thing, and I feel like she was probably a backup. Anne: You’ve said three stories now that sound exactly like other stories. I have heard this before. Your story includes all the classic, down to the detail. Iris: Wow Anne: Of inviting someone else to the wedding. Iris: The Chuckness of it. Anne: You got a winner. Iris: He’s a doozy. He told me later that he didn’t actually want to get married. Then when I look at inviting this woman to the wedding, he didn’t admit that for many years. But when he did, I was like, oh, so she must have been the escape hatch. If he didn’t go through with marrying me, he would’ve had someone in the wings. FEELING HELPLESS Iris: I suspect he continues to use porn. He is in cybersecurity, and he always had three computers in his office. So I wonder if one of those he used. I don’t know. I’ve always been curious about what that was. I don’t think I was as tuned into that until I was leaving the marriage. And then there wasn’t much that I had access to. There wasn’t anybody that seemed to have that language who I could talk to. I just felt really helpless, and he was very manipulative and very controlling, the love bombing, he is very good at. The other part was that I was super reactive at that point. So I felt very guilty about my responses to his behavior. Even though it was less intense and further apart. But the reality is that those first seven years, in the bedroom, total coercion, marital rape, and everything now that I have words for, had happened. By that point, like there was very little he had to do to make me comply, to try to stay out of his way. I would try to have a separate life, while maintaining that Christian marriage appearance. It took me a long time to see these as signs of a toxic relationship. Anne: We would probably call it like survival mode. You are trying to survive and that’s why a lot of people use the word survivor when they talk about abuse victims, because every day you’re just trying to survive. Why Getting Help Feels So Scary at First Iris: Yeah, daily. Navigate all of the things that are happening that just don’t make any sense. And I don’t have the words for. I think during the pandemic, I started to see your Instagrams. And it was like, oh, that’s what’s happening, those are the words. That’s what this is. And beginning to be able to label things and feel like I’m not alone. Then, wanting to join group, but then being afraid. What if it doesn’t help, I don’t want Chuck to know I’m joining? Just feeling do I really want to do that? because I felt like if I go through that door, I can’t go back. Anne: Can we talk about that for a minute? because a lot of women have told me that. I followed you on Instagram, or I listened to the podcast, and I didn’t start attending group sessions because I knew it would change everything. What is it about BTR that is different in that way? It’s different than maybe therapy or something. Is it because you’re going to finally get help to look at it. Seeing the signs of a toxic relationship can be scary at first. Iris: This can make me cry. I think, because no one had helped. So I think there was an element of, I could try this and probably it’s still not going to help. By that point, looking for help for so long and thinking, I don’t know that anything will help. then being so vulnerable and beaten down. I think there’s a sense of like, does anybody really want to help me? Do I deserve help? because it certainly seems like it’s my fault. So being very afraid to join a group. Like it’s terrifying the first day. BTR FELT LIKE AN ANSWER TO PRAYER Anne: Once you did attend a group session? Were you surprised at what happened? Iris: Yeah, the first day I joined, you hear that zoom beep and you are in group and feeling so afraid. But I was so welcome. it was like I could take a breath, even though really I was crying so hard. Hearing everybody talk, hearing the coaches talk, feeling like the words made sense. I didn’t share that first time, but just crying afterwards. Like there’s somewhere that gets this. There’s somewhere where there are other women who understand this. I’ve never met anybody who knows what’s happening to me. In my story, something that’s amazing was that when my daughter was a baby, there was this show on daytime TV called Starting Over House. It was a reality show for women to go to this house and start over. They had two coaches, and I remember watching these women go, and they had all different kinds of problems that they were trying to grow from or whatever. All I wanted was to take my baby and join that house. It was a reality show. I’m sure it would not have been really super helpful. But I just wanted to have people love on me and help me figure out my marriage. That’s all I wanted. So when I came to Betrayal Trauma Recovery group, I’m not kidding you, two of the coaches looked like those two coaches on that show. It just felt like it was a prayer answer. HIS ANGER WAS THERE ALL THE TIME Iris: So Sharon and Renee, two coaches loved on me and made me feel like I wasn’t crazy. And helped me to slowly unravel what had been happening and what had happened to me, and find my voice. I joined in the spring, I was already starting to take steps in my marriage to not engage with Chuck. By July, he was angry with me all of the time. Which I’ll come back to in just a minute. But , before I had joined, he had done some really angry driving in the car. He’d been angry one day when I had locked the door to the master bedroom, because I like to pray and meditate. And then I had gotten in the shower without unlocking it. Because I just want privacy from two kids, a dog and a Chuck. He banged on the door for as long as I was in the shower, and I could hardly hear him, but it scared the pants off of my kids. I felt like I didn’t know what to do. When I joined group, I finally started to have some strategies and observe him. Sometimes I forget all the things that happened. Right before I joined in February, he bought a new car and asked for money from his father. Then he came to me and said, “I didn’t spend all the money on the car. I saved some, so either you can go to marriage therapy with me.”, which he’d been threatening, and I didn’t want to go to marriage therapy with him because we’d been many, many times. GROUP HELPED ME SEE THE SIGNS OF A TOXIC RELATIONSHIP Iris: He said, “Either you go to marriage therapy with me, and I’ll buy a car for our daughter, or I’m going to divorce you. Not long after that, I ended up joining group. Then he said, “I used that money to file for divorce. I hired an attorney, and how do you want me to serve you your papers?” At that point, I had enough skill to say you can have me served, thank you. And it was super calm. And then I actually jumped in group and was able to just process. One of the things that was so amazing was that everything happening to me in real time, I could then go in a group, get support, be in my closet, my car, or at the library. The more I went towards health and boundaries, the angrier he got. So he actually continued to ask me for two months how I wanted my divorce papers. I can see how divorce and emotional abuse were intertwined, he was using the threat of divorce to try to control me. I would say, “You can have me served.” And he would say, I don’t want to pay $400. He did that until I got a paper in the mail and I thought that I was being served. I didn’t think I could be served in the mail, which you can’t in my state, but it was actually that they were going to kick it out of the system. I took that paper to an attorney, because I had been interviewing attorneys. That kicked off the divorce process. Because I was served. Anne: That whole time he is asking, “How do you want to be served? And you’re like, “Just serve me.” DEALING WITH CONTROL WHEN HE FILED FOR DIVORCE Anne: He's trying to get you to do something to stop the divorce. He threatens you—if you don't toe the line, I'll divorce you. When you’re like, okay, go ahead and divorce me, then he’s escalating. Using all the tricks and signs of a toxic relationship that worked before. He reminds me of my ex, who said that. Then he didn’t file. Because he thought that would instigate me repairing. Or me doing the thing I was supposed to do. And when I didn’t do it, I don’t think he wanted to file for divorce. It’s just that he couldn’t figure out how to control me anymore. He was like, well, I guess I have to make these things happen. And it sounds the same in this scenario, where he’s trying to get you to do something. Because a normal person, if they’re like, how do you want me to serve you? And you say, oh, just serve me. They’d be like, okay. And they would serve you. Iris: Right, it was control. I was so thankful I could go back in group and have the framework, putting my lab coat on, doing one step at a time. Getting shored up so that I wouldn’t be bowled over by his behavior. I finally hired an attorney, and my attorney notified his attorney. Chuck came to me and said, “Well, that’s not fair. You didn’t tell me you had an attorney. And now we both have to decide to dismiss the divorce. I can’t just decide myself.” Anne: Like not to get divorced? After he’s filed, he’s like, wait. Now that you’ve responded to me serving you with divorce papers, we actually have to get divorced. Iris: Right. Anne: That sounds like my Chuck too. INDIVIDUAL SESSIONS HELPED ME GET READY FOR EACH BIG BATTLE Iris: Really, it’s like they’re all going by the same playbook. I think realizing that these are all the signs of a toxic relationship was huge. And it allowed me to understand that my job was to be strategic. Chuck does a lot of stupid as a strategy. That attorney he hired in July, by the time our status conference was in October, he’d used all of his retainer. Which was $5,000, and nothing had happened yet. Because he is a Chuck and likes to call his attorney to talk. So then right after the status conference, he fired the attorney and then went pro se for a while. I was so thankful that I had BTR, that I could do group. I could do the Betrayal Trauma Recovery individual sessions to get ready for each big barrier or battle with him, so that I went in calm and focused. It really allowed me, in my divorce process to understand that this was the best thing for me. Even though he was trying to control me. It was finally the door out. And he kept coming back to me and asking, “Do you really want a divorce?” And I would say, “You could move out.” But he never would. One of the other things was that understanding that there was going to be so much out of my control and really focusing on what was in my control. In my coaching sessions with Renee and with Sharon, being able to determine what my top priorities were. My priorities weren’t numbers. My priorities were big picture. And then I said, these are the things that are most important and this is what I want to work towards. And it helped me. I feel like things worked out well for me. WE SETTLED AN HOUR BEFORE COURT Iris: So having enough money to restart and go back to school. Having stability for my kids, not selling the house immediately so that my daughter could finish high school. Like those were the big picture things. And because Chuck just wants to fight, it was the 11th hour literally. He hired an attorney again, just weeks before our divorce was final. But we ended up settling like an hour before court. I was able just to hang on, to understand it was going to be like that no matter what I did. Like I didn’t have any control over him, and I really got up that morning not knowing what was going to happen. And being at peace in that, and that I was doing all the things that I needed to do, and to let go of that so that I wasn’t in a battle with him. That was incredibly powerful. Hard but powerful. So it’s been final for two years. And the post separation abuse continues, and BTR’s been incredibly helpful in that. I was able to stay in our marital home for a year till our daughter graduated, and then last year that sold. So I moved out and things just lined up. In part because he was so disorganized. I think that worked out in my favor. And I’m now in school finishing a post Master’s certificate in school counseling. And I got hired last fall as a school counselor. So I’m working full-time as a school counselor while finishing my certificate. Just having somewhere to work out the technical stuff and then the emotional stuff, to understand how to be strategic. RESTARTING MY LIFE Iris: Because I could stay in that place rather than be in his blender. Which is what it was for 18 years. I have been able to restart my life and feel so grateful and fortunate. That I’ve had the support, and he continues to be abusive. And my daughter now is 19 and my son is 17. And so being able to talk about that and how he behaves helped me. I know that at some point, I won’t have to interact with him as much. Or at all once my kids are bigger. But because of the type of abuser he is, because of the types of things he did to me, I know that I am at greater risk of him being dangerous to me physically. And so being able to unpack that, but also, understanding that I have a right to safety and that I can take steps to do that and not feel bad about it. He’s much sneakier now. He’s incredibly angry with me and feels like the divorce was unfair. Because his goal is control, he can’t control me anymore, I think is one reason why he’s angry. It is palpable when I’m around him. He seethes at me. Other people may not be able to see it because he’ll mask it until there’s nobody around. But I think it has been invaluable to me to have a community where I can process that and then take steps to be safe from all the signs of a toxic relationship. When I finally blocked him, which was scary to do, because we have two kids. And that was easier to be able to text and call. It was just another vector for him to get to me. BLOCKING HIM FELT SO EMPOWERING Iris: So blocking him and doing email only. It felt so empowering to make that decision and be able to unpack that in group and also get the support of “Yay, you finally blocked him.” Like I’d been talking about it for so long. And trying to figure out the signs of a toxic relationship, There are the big steps to leave abuse and there are smaller ones too. Sometimes it’s the little ones that felt really hard. Especially because then my kids would know that I blocked him. Moving away from abuse is hard. I left the house today because I have somebody cleaning my house, which I started hiring somebody. So that I can do all that I’m doing. because I’ve been in school and working full-time and parenting two teens, and it feels so empowering. When they walked in today, I was thinking, because I was coming to talk to you and I was like, they’re helping me leave abuse. And I can say that to you. I think you know that. But he was abusive with cleaning. He would wake me. He likes things clean. He’d wake the kids cleaning and it’s very controlling. But to have a clean house and not be abused, it’s hard to express. This is my safe space, and I get to decide how it gets clean. I get to decide how to spend my money. I get to make choices now that I couldn’t make before. I’m just so incredibly grateful that BTR, I can make choices and know that I can. Thank you. LEARNING THE STRATEGIES IS INVALUABLE Anne: You are so brave and so strong. Look at you. You’ve got a good job. You have enough money to be able to hire someone to help clean your house, and the lack of guilt. Because some people have the money, but they’re like, I still can’t. I should be able to, no, like look at all the amazing things that you’ve accomplished. When it comes to divorce, if people ask me my situation, I say I am proudly divorced. I am so happy divorced. And I also say things like abuse doesn’t work out for a lot of people, but it worked out so well for me. Because everything that I have gained from learning about the signs of a toxic relationship and the strategies of protecting myself, has been invaluable. Like our confidence just grows day by day. That little voice in our heads and that little like charge that feels like I’m doing something wrong or I can’t do this or I can’t do that just starts to fade away. And life feels so free and wonderful. I’m so happy for you. It’s wonderful. Good job. Iris: Thank you, thank you for starting BTR and your podcasts were such a beacon for me too. Before I started group of these voices saying, “You’re not alone, you’re not crazy.” Listening to your voice, I still probably need to hear that a lot, because he makes me feel crazy. So thank you. Anne: Well, thank you, without women like you who listen and come and use our services, we wouldn’t be here. So thank you. Our services are incredible. Our team is incredible. It’s such a safe place. THE DIFFERENCE WITH BTR SERVICES Anne: I’ve been thinking a lot about the difference between BTR and the difference in our services is that it’s so real. You really have women you can see who know your story. You can talk to them every single day in person . And they’re never going to blame you or judge you. It’s never going to be that you made some kind of soul contract, like the weird stuff that you might hear from people who somehow try to blame you. I’m like, there’s no reason to ever say any of it had anything to do with you. because you were surviving the best you could the whole time, and you were going for help, and no one gave you the right information. And none of that has anything to do with you. They are helping you deal with the signs of a toxic relationship. That’s the crazy thing about abuse. You’re doing every single thing right and you still can’t get the right information. Despite you trying to get it for years. Some people don’t believe it, because they can’t imagine that would happen. But it happens every day with so many women all over the world. Anyway, thank you for your support of BTR. Iris: It is really such a privilege to be in this community. I felt, loved on and prayed for fiercely. BTR GIVES US THE STRATEGIES THAT WE NEED Iris: I remember when I first started. I thought they’re giving us the weapons that we need to fight the battle. Almost under the cover of darkness. They sort of come into our homes, our cars, our closets, and give us the weapons we need to fight the evil that is happening to all of us. Like all of a sudden realizing the support, but also the education that BTR does, is invaluable, to help us recognize and deal with the signs of a toxic relationship. I could get out of my reactive brain and really start to think, “Oh, this is what’s happening. Okay, this is what I can do. Chuck is doing this. This is what I’ve always done, but I don’t have to do that. I can do this.” It changed everything. Anne: Well, I am so glad, thank you so much, Iris, for taking the time to share your story with me today. Iris: Thank you.

Wall Street built entire neighborhoods just to rent them. August Biniaz breaks down how and why it works.August Biniaz, Chief Investment Officer at CPI Capital, returns to break down build-to-rent (BTR): how the asset class started after the 2008 crash, why institutions like Blackstone pivoted from buying scattered homes to building purpose-built rental communities, and what that means for individual investors today.August also pulls back the curtain on how CPI Capital operates at scale, including the AI tool that cut their deal-screening time by 90 percent, and shares his read on where interest rates and the broader economy are headed going into the rest of 2026.Key topics covered:How Blackstone's Invitation Homes buying spree of 75,000 homes gave birth to BTRWhat life inside a BTR community actually looks like (HOA, amenities, maintenance)Why BTR attracts "tenants by choice" and produces lower turnover than traditional apartmentsHow CPI Capital uses Slack, Asana, HubSpot, and AI to run a private equity real estate firmThe 10-year treasury, the war in Iran, and what August thinks happens to rates nextAugust Biniaz is the Chief Investment Officer of CPI Capital, a private equity real estate firm focused on US multifamily and build-to-rent assets with investors in both Canada and the United States.Learn more at https://cpicapital.comWork With RealDealCrewIf you're already closing deals but your intake, follow-up, or visibility feels inconsistent, here are two ways to go deeper:Take the Deal Intake AssessmentSee how resilient your current operation actually is.→ https://assessment.realdealcrew.comBook a Fit CallIf you want to explore what a fully system-driven deal flow looks like, let's talk.→ https://realdealcrew.com/bookLIKE • SHARE • JOIN • REVIEWWebsiteApple PodcastsYouTubeYouTube MusicSpotifyAmazon MusicFacebookTwitterInstagram

Asabea gästas av sin vän och barnmorskekollega Ida i veckans avsnitt där de pratar om förlossningsrädsla. Hur det kan te sig och olika sätt att ta sig an det. Lite extra fokus läggs på metoden ”Birth trauma resolution” (BTR) som båda är utbildade i och använder sig av för att behandla förlossningsrädsla. Hosted on Acast. See acast.com/privacy for more information.

Keith talks with data-driven investor Neal Bawa, the "mad scientist of multifamily," about why apartment values have dropped 20%–30% while single-family prices have stayed resilient.  They break down how interest rate shocks, the homeowner lock-in effect, and a wave of new multifamily supply are reshaping returns for today's investors.  Keith and Neal also dissect the build-to-rent model—who it really serves, how apartment oversupply is pressuring its rents, and why pending legislation could upend the space.  Neal closes with a specific, data-backed timeline for when multifamily rents and values may finally turn the corner, giving listeners a concrete roadmap instead of vague market guesses. Resources: Grocapitus Website - https://www.grocapitus.com Multifamily U's Free eBook: Location Magic - https://multifamilyu.com/lp/location-magic-ebook/ Multifamily U's Investor Club – https://multifamilyu.com/club Episode Page: GetRichEducation.com/609 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:00   Keith, welcome to GRE. I'm your host, Keith Weinhold. The single-family real estate market is steady, but with apartment building values down 20 to 30% since 2022 when will the multifamily Armageddon end? We ask our qualified guest, and how will slowing birth rates in immigration affect real estate? And more today on Get Rich Education. You know, Mid South Home Buyers, that top Memphis turnkey provider. I learned that a secret weapon behind their explosive growth is more than just you buying their properties, it's an executive coach for nine years now, their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to Daniel Thomas hind.com H I N D, that's Daniel Thomas hind.com and sign up before Spotsville Flock homes helps multifamily owners exit the operator grind, whether it's your six plex or a 50 unit apartment, through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at flockhomes.com/gre That's F L O C K homes dot com slash G R E.   Neal Bawa  2:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  2:29   Welcome to GRE from Valencia, Spain to Valencia, California, and across 188 nations worldwide. America's favorite shaved mammal on a microphone is back with you for another wealth building week. I'm Keith Weinhold, and you're listening to Get Rich Education. The world's biggest problems are the world's biggest businesses. That's not a coincidence, and that's why we discuss housing here. And there's been a chronic shortage of affordable housing last month at a commencement speech, Harrison Ford, yes, the guy that played both Han Solo and Indiana Jones, talked about how a fulfilling life has both passion and purpose. Passion is what gets you out of bed in the morning, purpose is what helps you sleep at night, you and I. We can bring this mindset to our lifestyle, to the business we do, and to our investing. Treating tenants well is what helps real estate investors sleep well at night. While we're doing well, we can be doing good too. Multifamily syndicators keep failing, going out of business, and losing all of their investors' money due to mortgage rate resets. It just keeps happening. What this really means, that these groups that pooled together investor money to buy apartment buildings, largely that were set up in 2022 and earlier keep blowing up almost fully due to the fact that interest rates reset higher. Some of them had a fixed rate for five years. Well, rates spiked four years ago, and that's why a lot of them have yet to blow up, and these apartments have lost so much value that no one will refinance them, you know. Even if that apartment operator increased the net operating income over the years, even if rents went up, it doesn't matter. So, you still haven't heard the last of it. Do you remember a couple years ago, when a lot of people in the apartment space, they were saying just stay alive till 25 and that nonsense, like if you keep your head above water until 2025 oh well, then rates are certainly going to fall, and everyone's going to be okay. Well, 2025 is long gone.    Keith Weinhold  5:01   Mortgage rates haven't fallen in any significant way, so that survive until 25 thing or whatever mantra derivative people used that was a farce, like I've said on the show here for years. You cannot predict interest rates, so I didn't make the call that they were going to go up or down at all, because you can't predict them, but so many people said, oh, rates will fall substantially by now, no way, you just can't make that assumption, you've got to take history over hunches, and all of that, a lot of those multifamily deals 100% depended. depended on refinancing at favorable rates, and that's exactly why they failed. A surefire way to look foolish is to predict interest rates. We'll talk more about the multifamily Armageddon with today's guest. I also want to get into what's called the 21st century road to housing act, because that became one of the most hotly debated housing policy provisions this year. And what this is, is a Senate bill, and it would require certain large institutional investors that develop these bills to rent single family communities. It would force them to sell those homes to individual buyers within seven years. So, in other words, what a big firm could do is build a neighborhood of rental homes, lease them for up to seven years, but they couldn't hold on to them any longer than that. They couldn't hold them indefinitely as rentals, this bill is not aimed at you, the individual investor. It is aimed at big institutions, and what I mean by that is that's generally defined as owning 350 or more homes. That's what we're talking about here. Small landlords and mom and pop investors are not the target, it targets corporate portfolios, and this means groups whose names you've probably heard of, like Blackstone, First Key Homes, Progress Residential, and Invitation Homes. They are some of the heavyweights that the government is looking to clamp down on, so whenever you hear someone talk about big Wall Street landlords, that is who they're talking about. Now, some groups are pretty worried about the 21st Century Road to Housing Act, like the NHB, that's the National Association of Home Builders, and a lot of multifamily groups are concerned, and why is that? Well, the effect is it could dramatically reduce new housing production.   Keith Weinhold  7:44   See, a big institution like First Key Homes or Blackstone, they wouldn't want to even get into this business anymore. They wouldn't want to build big build to rent communities anymore if they have to sell them all within seven years. See, they want to buy and hold for the long term, kind of like what you and I are doing, because you and I know that owning a group of selective buy and hold single family rentals is a really profitable place to be, but so if they don't want to build, then that creates a reduction in supply, which could make prices go up, and then obviously hurt those trying to afford their own home. Well, that would defeat the purpose of this whole thing. I mean, my gosh, this always seems to happen when government gets involved. So, the 21st Century Road to Housing Act could limit supply, which is the exact opposite of its intent to get first-time home buyers into their first home, and if this passes, it does have bipartisan support. This lower supply, then yes, indeed puts upward pressure on prices. Just amazing. So then it could actually go on to help the everyday mom and pop investor, like you and I, that already owns property, the individual at last check, though they're looking to pass a version that still restricts some of these giant institutions from getting into build to rents, but yet it does not have that seven year sale requirement. What's really important to remember here is that Washington, they're looking to stifle big Wall Street players from the rental market, which could reduce supply. They're not targeting individual investors. The context that's important is that these groups, they own 10s of 1000s of homes, they don't own hundreds of 1000s, and they don't own a million, so it's a really small percentage of the housing market, whatever direction policy breaks, then the headlines that it creates are just greater in magnitude than the effect on the market is. It's an important frame of reference here. Let's meet this week's guest. This week we're welcoming back a guest that we haven't heard from in a year or two in real estate circles. He is popularly known as the mad scientist of multifamily. He's quite an in-demand speaker. He has a $500 million multifamily portfolio that he essentially shares with over 1300 investors. He's sharp, a good educator, and a straight shooter. That's why he's here. It's a warm welcome back to Neal Bawa.   Neal Bawa  10:32   Thanks for having me on the show again. It's delightful to be here, and so many interesting things to talk about in the world these days.   Keith Weinhold  10:38   There really are.. I don't know if we can get it all in, Bawa is spelled B A W A. Neal, I want to get to your future housing market outlook later. How you think the future looks, including when multi families quasi Armageddon might end. But first, you're known as a data driven real estate guy. Tell us about that, and how being data driven makes you profitable.   Neal Bawa  11:03   I see concern, and I'll tell you why. The single family and multifamily market have been atrociously incredibly divergent since the first quarter of 2022 They have not tracked yet each other at all, even though if you look at the last 50 years, they tend to track each other. So you know, 2008 was a Armageddon for single family, Armageddon for multifamily, and they both sort of came up in 2012 2013 and then they had a really good time until Covid.   Keith Weinhold  11:30   Yeah,   Neal Bawa  11:31   but the second quarter of 2022 is when Fed started raising rates, and since then we've sort of slid - multifamily has gone down in terms of pricing between 20 and 30% depending upon the metro, you know, and depending upon whether it's new construction, new construction assets have gone down more than 30% and existing assets that are filled up have gone down by 20 to 30% depending upon the metro. So, metros that have a large amount of supply, closer to 30% decline in value, the metros that have less supply probably closer to 20% decline in value, right.   Keith Weinhold  12:03   Demand demand has been pretty resilient. It's more of a supply story.   Neal Bawa  12:06   It's a huge supply story, right. So, if you look at, you know, occupancy, essentially what's happened is there was so much supply that came in that really people started on those projects in 2022 maybe they didn't start a construction until 2023 they didn't finish construction until 2025 so they started leasing up in 2025 They had to give offer concessions two months, sometimes three months free, and so that pushed down the rents in 2025. And they're not done, because you typically can't rent an apartment in six months. If it's brand new, it's going to take you about 18 months to rent it, and sometimes 24 months, and so it's affected our rents in 2025 it's affecting our rents in 2026. Now it's unlikely to affect it in 2027 but we'll go there, you know, at a later stage. But at the moment, we, what we've seen is negative rent growth in the United States for multifamily for the last 12 to 15 months, and what I think is going to be negative rent growth in Q of this year and Q2 of this year, so Q1 was negative, Q2, which we are in now, is likely to be negative or flat now. Single family, on the other hand, has gone in a different direction, which has been very difficult to understand, and I believe it's taken me a while to really understand this, but I think I've finally figured it out. Single family prices are not down since 2022 which makes no sense at all, because the average mortgage in the United States today is almost double, almost double, not quite double, but almost double of what it was in at the beginning of 2022 when interest rates were about 3.3 3.4% Right now we're sitting around, you know, six and a half percent interest rates, so not quite doubled interest rates, but they've obviously gone up a fair bit, and as a result, your average, you know, mortgage has almost doubled, but home prices haven't dropped, which makes no sense if you really think about it, because home prices are a factor of demand, and they're also a factor of people's ability to pay, so if all of a sudden within four years you're paying, the mortgage is doubled, then less people are going to be able to buy, but it stayed up, the market has stayed up, and the biggest reason it stayed up is because of what is known as the lock-in effect. So, the US market typically has a million new homes every year, and there's more than a million existing homes that are transacted, right? So, it's an open market, it's a perfect competition market, but it hasn't been perfect competition for the last four years, because so many people locked in ridiculously low interest rates.    Neal Bawa  14:28   Perfect example, in 2021 and 2022 I have a 15 year mortgage at 1.75% If I sell my house back to myself, my mortgage quadruples, quadruples, right, because it goes from 1.75% to six and a half percent, so I can't even imagine even think about leaving my home, right, because it's just such a perfect loan. Most people don't have anywhere near 1.75% but there's lots of people with more mortgages in the 3% three and a half percent, and 4% range that basically can't go anywhere, and because those homes are not coming into the market. The last three years the market has had this unusual not enough supply factor, and that's been keeping prices up. That is ending. That is ending, because what we've been tracking is the percentage of homes in the United States that have low mortgages. Low is simply defined as anything under four and a half percent, and that percentage is going down each quarter, because you know divorces happen, deaths happen, you know people move for jobs, and so every time that happens, that locked in rate goes away, because you sell your home and move on, and so for a while that lock in effect was predominant, it was controlling everything, but as time has gone on, interest rates were higher in 2324 2526 For also almost four years have passed since the rate started going up. So each quarter the percentage of homes in the US that have these low interest rates has slowly moved down, and we're almost back to a normal timeframe.   Neal Bawa  15:53   And this is causing the single family market to not have a conniption, but we're starting to see a balancing of the market, where it's not just a buyer's market anymore, in some places it's actually seller's market, some places it's a buyer's market. So we're now starting to see home prices drop in number of markets in the United States. I can't say that they've dropped in super majors, but we're seeing a flattening out effect of home prices in most metros in the US, and there should be a flattening effect. Just to be blunt, I mean, obviously I own a bunch of single-family homes, so I just wanted them to keep going up for selfish reasons. But if you think about it, we had huge home price growth in like 30 plus percent in number of years, 2021 22 and even 23 and during those years, salaries only went up by two to 3% a year. In one year, they went up by 4% and rents also went up like crazy. There was a 2021 was 15% rent growth year. So, at some point, there had to be an adjustment, and we are in that period of adjustment where single family prices are basically flat on a national basis. Yes, going up in the San Francisco Bay Area because of AI, and going up in a couple other technology-heavy metros because of AI, but otherwise fairly flat, and I don't expect that to change for the next year. So, my forecast is next 12 to 18 months, home prices in the US are going to be flat on a nominal basis, they're going to be down on an inflation-adjusted basis, but you know, because of the Iran, more inflation's three and a half percent, so home prices should go up three and a half percent. So, if they stay where they are, well, they're really dropping three and a half percent.   Keith Weinhold  17:29   Yeah, before this year began, I released our forecast, it was for 2% nominal home price appreciation in the one to four unit space for the US this year, and I still like how that looks. There's so much to unpack with what you just talked about. In my view, there's nothing unusual at all that when mortgage rates rose sharply a few years ago, that home prices rose as well. Why? Because actually, that's what usually happens, which is counterintuitive to most people. In all of our lifetimes, residential real estate prices have only fallen significantly one time, that was around 2008 due to a number of unusual circumstances. The only thing that's a bit different this time is, of course, how fast rates increased in 2022 and 2023 and people wondering if residential real estate prices could still keep up, and they certainly have, but yeah, you brought up this dichotomy, this bifurcation about how the apartment market and the one to four unit space kind of separated from each other in 2022 or 2023 That's what's so interesting.   Neal Bawa  18:36   I do want to point out a couple things, though, and I don't want to be a Pollyanna here and talk about negative stuff, but I think that there's big difference between 2008 and that timeframe and where we are today, and that difference is, and it has multiple parts. Not all of your audience is aware of this. Until about 2012 the United States had very reasonable birth rates. You know, we were one of those countries that had avoided the debacle that Japan, Korea, China, and a number of other countries are seeing South Korea being the absolute worst, where basically they were producing one baby per generation, where you need about 2.2 babies just to kind of keep your population where it is, right, and the US was unusually high in that, and that we were still above that threshold, which meant that our population would continue to grow and not fall. Now, there was two reasons our population was growing: One, we had more than 2.2 babies per household, and second, we had a very significant amount of legal and a very significant amount of illegal or undocumented immigration. Right, so we had both of those pipelines today. All three of those have flipped, so the United States now basically looks like Korea or China or Japan in that every household is producing about one and a half babies, which means that our population growth, which hasn't stopped yet, because it takes a while for these things to catch. Up is likely to stop, like it's, and at some point decline again. Luckily, we're not there yet. The US is a fairly young population, unlike Japan, which is one of the oldest populations in the world. So, it'll, we'll still continue to see population growth, but there is no doubt. And you can ask Chat GPT, right? How has population growth in the United States slowed over the last 20 years.    Neal Bawa  19:22   Make me a graph, and it will make you a very nice graph, and you'll very clearly see there's a slowdown in population growth. The second part is both documented and undocumented immigration. It's my estimate that since this administration took over, somewhere between half 1,000,001 million people have left the United States. Now it's very difficult to get an actual number, as you can imagine. A number of these people were undocumented, so we didn't really know how many there were to begin with. And a number of them, when they left, they also left by an undocumented rate, that you know, path. So we've lost a bunch of those people, and also the people that have stayed in the country, we've lost a number of them in the workforce. Here's a perfect anecdote, Keith. About 33% of the construction workforce in the United States was undocumented, one in three. In Texas, as much as 40%   Keith Weinhold  19:45   Yeah, that's huge.   Neal Bawa  19:45   It's very significant. Number of those people don't show up for work anymore. I don't think they've left the US, at least I don't think so. But they don't show up for work anymore, because that's how they get caught, right. So, what we've seen is that the construction workforce in the United States has become been decimated over the last 12 months, and the impact is much greater in the second half of 2025 than the first half. Why? Because even though they wanted to do ICE enforcement, they just simply didn't have enough agents, enough facilities, enough judges. When the second half of last year, they sort of started catching up on that, hiring more agents, getting more facilities, getting more judges, and so we started to see a real challenge there. I have properties in 10 markets in the US, and what I can say is about seven of those markets, mostly Southern markets, I am beginning to see dropping occupancy related to this phenomenon. I'm seeing a reduction, and so markets like Georgia and Texas, Florida are more hit than my northern markets like Idaho. I haven't seen any impact at all, but these southern markets, multiple properties, multiple metros, I'm seeing this - people, mostly of Spanish, Mexican origin, not renewing leases. I don't know what they're doing. I don't know if they're sleeping in their cars. I don't know if they're basically just, you know, staying with mom or staying with, you know, some other family. But I'm seeing a very, very big pullback in my leases tied to this, and occupancy is dropping in those markets that are heavily Hispanic. And so I'm seeing the impact of that on landlords, but I also know that there's an impact on the US at all, and overall demand on rentals, whether it's single family or multifamily. This is a significant impact, because I don't think that the Republicans are going to make a U-turn on this. I don't want to get political, but you know, stating the obvious.   Keith Weinhold  19:45   Yes, United States had its biggest birth year in 2007 when there were more than 4 million babies born. The average age of the first time homebuyer today is 40 years old. If that holds true, that peak would take place in 2047 And then, yes, to your point about changes in immigration, yes, it sounds like a potentially a reduction in demand with what you're talking about, with some vacancies, and also maybe a reduction in supply when you have fewer construction workers to build these places as well, we're talking about building properties. Neal, I want to talk to you about the build to rent space. Somewhat is build to rent better than traditional real estate? I think that's what we really want to know. And for those that don't know, build to rent means when you construct a property where from day one that construction project is built for a tenant, not an owner occupant. I see a lot of pros and cons there. Can you talk to us about the trade-offs between build to rent and traditional real estate?   Neal Bawa  19:52   Yeah, if you think about it, it's a really terrible word, built to rent, because if you think about the word built to rent should be apartments, right, but actually doesn't mean apartments, right? So, built to rent actually means single family or town homes that were built to rent out, right? And then you're like, why don't they just said built to rent apartments and town homes? Well, you know, was too long an acronym, and we suck at acronyms anyway. But BTR, or built to rent, is essentially building single family or town homes, but specifically building them to rent, and it doesn't include any apartments at all, right? And the reason why the BTR market was growing in the last five or six years is that roughly 18 million American families can no longer afford to buy starter single family homes, you know, and by starter I mean, small old single-family homes. That's how Americans usually started, you know, in their 20s and 30s. They would buy these homes, some of them, but they would fix up, and then they over time, in their 30s, late 30s and 40s and 50s, they would upgrade, and then at starting the 50s, it would flatten out, and then the 60s, they would start to downgrade, right? That's been a typical thing that's happened in America for 56 5070, years. Well, that is, cannot happen anymore. And it broke in 2022 until 2022 It was a normal cycle beyond 2022 because interest rates almost doubled, and the mortgages almost doubled, but the incomes only increased by 10 to 20% There became this orphaned generation of Americans, roughly 18 million families, that simply cannot afford to buy that starter home, and they are now forever renters. They don't know it. They think that they're going to catch up at some point, but five minutes with an Excel spreadsheet, I could prove it to them that they're not going to catch up.    Neal Bawa  25:35   Maybe one in 100 families would see a very large increase in income, and that would result in them catching up, but for the most part, as a group, these 18 million families, they're forever enters as a group that didn't exist before 2021 right. It's entirely because of this outrageous increase in mortgages, while not seeing a drop in home prices, that led to this, and so those orphan families, they actually earn pretty well, so these are families that make 70, 80, $90,000 in mid markets. They make over $100,000 if they're living on the coasts or in expensive markets, and they still can't buy that, you know, starter home. And so they don't want to live in apartments. I have lots of apartments, old ones, new ones, and I want these people to live there, but they don't want to live there, and so they've been looking for an option, and that option has been developers like me building communities of 200 300 townhomes or single family homes with a small little yard, and then basically from day one, instead of selling them, renting them out, and then once you're done renting out the whole community with 200 tenants, then you sell that to an apartment company. You know, there's lots of apartment companies in the US that have 100,000 units. Well, they want to buy these because the turnover is lower. So, what happens is most of these town homes and single-family homes for rent. Families come in, and they typically rent for three to five years before they move, whereas in on my apartments I lose 40% of my tenants each year. So, if I have 200 tenants, I lose 80 of them every year, and I have to basically go back, clean up those units, deal with the vacancy. But when I have townhome communities like my Idaho Falls townhome community. I lose a tenant at roughly every four years, and so, as you can imagine, profitability goes up when turnover goes down, right?   Neal Bawa  27:31   Because you don't have that cost of turnover and vacancy, and so eventually those large landlords that are holding 100,000 units figured out, I like this, what Neal Bawa is doing, he's building these 200 townhomes, I want to buy these from him when they're rented. I don't want to build them, I don't want to lease them up, I just want to buy them when they're stabilized. And so BTR became that name for that marketplace where developers would build townhomes and single families, rent them out, and then sell them to institutional, and it was some—   Keith Weinhold  27:56   People think of fabulous institutionalization of the starter home.   Neal Bawa  28:00   And in many ways it is, because what happened is, for a while, these institutional players, like Blackstone and BlackRock, they were like, we are just going to go out and buy 50,000 single-family homes, and that's going to be the institutionalized. Well, that worked really well if you bought in 2008 2009 2010 2011 because you got them bought them at a discount, but when they started buying them in 2015, 16, 17, 18 at ever higher prices, they didn't make any money. So the vast majority of these public funds that were created to buy large amounts of single family have failed if they've purchased anything in the last seven or eight years. If they bought before that, they made huge amounts of money. Family homes are so expensive that basically buying them for rental did not make sense, so these companies have now pivoted to saying we'll only buy communities that have 100 or 200 or 300 of these homes, because then we get the benefits of having centralized leasing, centralized property management, centralized maintenance, and I don't have homes spread all over the metro, they're all in one place, and I can make more profit from that. In theory, that's been good, and you might think that I'm bullish on BTR, but I'm actually today bearish on BTR for one single reason. About seven months ago, Republicans started talking about a bill - I don't know what the name of the bill is, but what this bill does is it forces builds to rent developers like me within seven years of building the property to sell all of the homes in that property to single family tenants, not to Blackstone, not to Blackrock, but to single family tenants. Hasn't passed yet, but it passed the Senate with an 8910 vote, which means that both Democrats and Republicans wanted to vote for this. If it passes the House, and because Donald Trump himself is very heavily opposed to it, he's made it very clear he doesn't like this. He's a developer, obviously. It hasn't passed the House yet, but if it passes the house, that will destroy the build to rent market. No one will ever build build to rent, because the worst possible thing is I build this, and within seven years I have to actually sell it to individual buyers. If I do that, my banks are going to hate me and not give me loans to build BTR anymore. Obviously, there's going to be some grandfathering to the communities that I'm building now, or maybe even build the ones that I'm building in 2027 maybe grandfathered. It usually is, because you know, Congress never does anything retroactively, and they give you a year or two, but if it passes, it's doomsday for BTR. I hope it doesn't happen, but that's the way it's looking, because it's bipartisan. Bipartisan bills are more likely to pass   Keith Weinhold  30:40   Now for the mom and pop investor, the individual investor build to rents have obvious appeal due to your point about the lower turnover, lower maintenance costs on a new build, lower insurance costs often on a new build, and then there's the tenant appeal to a new build as well, but of course there is that investor downside. I think a lot of investors are aware of their thin initial cash flow that they're going to have on build to rent, but you know, Neal, another downside with build to rent, I think a lot of investors don't look at is, hey, just how many of these things are they building? Are they building 500 of them? Do I have some overbuild risk if I buy into this community that could suppress occupancy and rents for a while.   Neal Bawa  31:21   What we've seen is that when Built to Rent started out in 2017-2018 it was its own asset class. It wasn't competing with apartments, it wasn't competing with single family rentals, it was just its own thing. However, in the last two or three years, as more and more apartments flooded the marketplace, we had a glut. It moved away from that. It basically started getting affected, and the rent started falling, just like any other portion of the market. You know, think of it as three portions of market. There's the built to rent, which I described, you know, brand new single family homes, town homes per rent. There's the apartments, both brand new and existing, and there's the single family rentals, right, which there are millions of. What we are seeing now is it's become one market, right? All of them are affecting each other, and the apartments, which have a huge amount of glut, there's a massive amount of new apartments that have come in in the last two years, are really pushing the rents down for single family, they're pushing that rents down for BTR. So, at this point, what I would say to people that have this concern, Keith, is simply look at incoming apartment supply, because if you're in a marketplace, and I'll give you examples of really good markets that are crushed right now. If you're in a market that has a lot of incoming supply, whether you buy a single family rental, a quadplex, a 50 plex that's an apartment, or 100 unit BTR, you're going to suffer for rent growth if you have a lot of incoming supply in 2026 and that is across the board in every market in the US. Huntsville, Alabama is, in my opinion, one of the most interesting markets in the US for 5 year, 10 year growth, right?    Neal Bawa  32:54   If I had to say you don't need a loan, it's just your own cash, no investors, where would you put money in? It would be at the top of my list, not at the very top. Idaho Falls is definitely the number one market in the US in my list, but Huntsville is up there. But right now, do you know what rent growth in Huntsville is? Minus 2% negative 2% Why? Because there's 6000 units coming into a market that's, you know, 1/5 or 1/10 the size of Phoenix, right. It's 1/10 the size of Dallas, but it has half the units of Dallas or Phoenix coming in, and so rent growth is negative there. So, what I would say is today absolutely everyone that is an investor should understand that we live in the magic world of AI, and you should be talking with Chat GPT about incoming supply for any market that you're interested in, and using that to make your decisions, because all of these markets merged, BTR, new apartments, old apartments, single family, everything has emerged in the last 24 months, where they're all affecting each other, and if there's too much supply of any one kind, it's affecting all of the other markets, and that's the message that I have. And none of this is like you have to go buy a $25,000 software like Costar today. Chat GPT is your costar.   Keith Weinhold  34:11   You're listening to Get Rich Education. We're talking with the mad scientist of multifamily, Neal Bawa, where we come back, including what he thinks about recovery for the beleaguered multifamily market. I'm your host, Keith Weinhold. 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What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family 268 66 That's Family 266 866    Speaker 1  36:00   This is the star of the A E Show, The Real Estate Commission. Todd Rollette. Listen to Get Rich Education with my friend Keith Weinhold, and don't quit your daydream.   Keith Weinhold  36:20   Welcome back to Get Rised Education. We're talking with Neal Bawa, a really sharp multifamily syndicator who's also highly data driven. And Neal, tell us more about the beleaguered multifamily market that had those aforementioned problems really cropping up in 2022 and we had a lot of supply and spiking rates. What does it look like for the path to recovery for the US multifamily market?   Neal Bawa  36:45   Luckily, demand is strong, and even though occupancies have dropped, typically the multifamily market, the large multifamily market in the US, tends to be between 95 and 96% occupied. Okay, and right now we're on 93% so that all that incoming supply means that about 7% of our apartments in the US are empty at the moment, we're trying to fill them, and we are seeing that occupancy drop, not across just new apartments that are leasing up, but also drop in class B and class C. We've also seen a huge increase in concessions, so I studied this quite obsessively, and I can tell you that 2026 in some markets is the recovery year, but not across the board in the United States, and the reason for that is sentiment. Once renters get used to huge amounts of concessions, it's like a drug, it takes a little while before you wean those renters off of those drugs, and so there's that hit right now. Every renter program,   Keith Weinhold  37:44   Everyone wants their freebie for good.    Neal Bawa  37:46   Yeah, exactly. It's like, hey, what, you're not giving me two months free? Hey, what, you're not even offering me one month free? It takes a while for that expectation to happen, because there's such a huge amount of concessions in the US. So, to me, there are a few markets, usually the smaller markets or very fast growing markets, where there's a recovery in 2026 but otherwise 2027 The first half of 2027 is recovery. The second half of 2027 is fast rent growth in a lot of markets. Why? Because remember, interest rates have been high since 2023 A lot of projects were started in 2022 went into construction in 23 came to market in 25 and 26 Lease ups are happening in 25 and 26 By early mid 27 these are all leased up, right? The second half of 2027 there isn't a lot of delivery in any of these big markets, because to deliver in the second half of 27 you would have started construction in that second half of 2025 and I counted those permits market by market. There's just not a lot, because by that time everyone knew that projects were not getting funded, everyone knew that interest rates were high, so there wasn't a lot of supply of new starts in the apartment market in the second half of 25 so there's not going to be a lot of delivery in the second half of 27 and all of the existing stuff would have been leased by then. So 2026 is one of those years where we could still see more concessions in the second half of 2026 I still see rent growth for apartments to be flat. You mentioned single family might be a little bit higher. It tends to be a little bit higher than apartments in terms of rent growth, but I think flat rent growth for 2026 is what I'm projecting. I'm projecting small rent growth in the first half of 2027 for most markets, and then I'm projecting robust rent growth, call it 3% or greater on an annualized basis, in the second half of 2027 and I'm projecting that most markets in the US that are not seeing a population drop, so count out places like Detroit are going to see a very aggressive rent growth, four or 5% rent growth, that's aggressive in our world, in 2028 28 and 29 are shaping up to be. Supply deficit years, years where supply is well under demand.   Keith Weinhold  40:05   It's pretty easy to project completions when you just go ahead and look at starts, and really, what you're counting is the story of absorption.   Neal Bawa  40:14   Yep, and what's nice about apartments is you can actually build a single family home in about nine months, right, but you can't build apartments in less than 24 months. There's just so much permitting issues, there's so many delivery issues, fire code issues, and so we have a crystal ball on the multifamily side that we are now getting better at using. I don't think the industry was very good at this in 2022 but now we're really all obsessed with how many permits does my metro have, and how many permits does my state, and how many permits does the US have? And everyone that I know in the industry that's data driven knows that there's a massive glut now, maybe a little bit of a glutton that remaining portion of 2026 equilibrium in 27 and a huge, huge supply deficit in 28 and 29 So everything that I'm doing is based on this, and this crystal ball actually works because of that two year gap between shovels in the ground and delivery,   Keith Weinhold  41:10   and it sounds like you've recommended Chat GPT as a go-to source for investors to look into these things, that happens to be my favorite one as well, and you are well, maybe it's a bit too much to say, but it almost feels like to me pioneering with the way that you use AI. In fact, I know before our show today you were running some other things in the background that made me wonder, hey, am I talking to the real Neil or the clone Neil? I know I've got the real Neil here, but why don't you tell us about how you're using AI to make data-driven decisions in real estate?   Neal Bawa  41:40   Sure, so the first thing is that we've completed our journey with the low hanging fruit of AI. Every single person in our company is fully trained on how to use Chat GPT. Most of our research-related processes are automated. For example, 100% of our investor updates are now written by Chat GPT. What we do is we go into our property manager meetings on Mondays or Tuesdays sit down with them, beat them up, and the transcript is then taken by our team in the Philippines. They take that transcript and put it into a pre-trained Chat GPT string, it's called a custom GPT, and the string took a while to train, but now that it's trained, all it needs is a transcript. We just copy paste it in, we don't give it any instructions, and it outputs a really wonderful investor update, right. And so our updates for our investors are 99% written by AI. Of course, we'll go in and add our comments at the end of the process. So we've automated investor updates, rent comps, so you know if we are underwriting a new property today, what we do is we simply go into a Google file and copy paste the address and hit enter roughly once a minute. A software, which is written by AI - we're not coders, but the software knows how to write code - it checks the file, if it sees a new address, it goes in there, grabs the address, and then it basically goes to apartments.com rent.com realtor.com and all of these places, and checks the rents for this particular property in two mile radius. It eliminates all the ones that don't match, like you don't want to match the rents of a 1970 or 80s built property with a brand new 25 built property. Those are not comps, it's not comparable. So it basically is very careful, it keeps a radius range of two miles, and also basically is a property of the same kind, you know, like it never matches up a three story property with a 10 story property. Those don't match, one of them obviously is more of a central business district or downtown sort of thing, and so it basically grabs all of those rent comps and then puts them into a file and posts in a Slack channel. Usually it takes it about 1213 minutes to do that, and so whoever put that address in about 12 minutes later goes into the Slack channel and says, "Hmm, these are all my rent comps, right? And boom, now you're basically, you have all these ready rent comps. So, what we've done is, we've automated a significant portion of what we are doing with both our property managers and inside the company with acquisitions and things like that, we're also scraping massive amounts of data from the Bureau of Labor Statistics website, which we just couldn't deal with that data before, and building very beautiful, very interactive dashboards. We don't use Chat GPT for that. We find for dashboarding a tool called Claude, which is by a company called Anthropic, is much better, so we have currently over 150 interactive dashboards that Claude has created that update in real time and give us access to data. If anything, I find that we are in this incredible time where decision making has become much easier, as long as you spend time with these tools. So, in our company we have an absolute mandate that no one has broken for the last year. One year per day, people must program, and by programming we mean issuing common language instructions to tools and build dashboards and build software that automates our work. Have we laid off anyone because of this? I mean that. Be the next obvious question. The answer is no, because it's made it easier for us to serve a much larger audience, so it's easier to grow your company. We just are not hiring anyone, and we haven't hired anybody for the last 18 months, so we have a hiring freeze, but at the same time all of our people are employed because they're they're now much more valuable. So everyone in our company is now a programmer, and even though that sounds weird, it's completely true.   Neal Bawa  45:24   Every single person in our company writes code, and they write code by talking with Cloud Code or talking with Chat GPT, and then Chat GPT, of course, does the actual code writing, but people have become very, very good at answering questions and saying, "I want a dashboard like this, turn these radio buttons into drop boxes, and give me the last month, and last three months, and last 12 months, and do this, and do that, and connect this, and I also want to host this on a server, but I want to make sure that only I can see it. I need a password added. Imagine 1000 of these conversations happening in our company every day. Yeah, that's interesting. And what you just described   Keith Weinhold  46:00   there at Gro Capitas is somewhat of a microcosm for what's happening in the broader economy, where we've been in this low high or low fire environment for quite a while. Well, Neal, as we're winding down here, we recently had a new Fed chair come in. It seems incomprehensible to me that there could possibly be any rate cuts. I don't know how we could responsibly make a rate cut with all these inflationary layers. We had the pandemic, and then terrorists, and then the Iran war, and the energy shocks, and all these bottled up supply chains. What are your thoughts with regard to the Fed?   Neal Bawa  46:29   I still think that we'll get one rate cut, and that rate cut will be based on political pressure. So, for the first time ever, I have seen the Fed break into factions, so if you look at the latest Fed meeting, which happened, you know, there was dissent, there were two clear factions, so the Fed is becoming less data driven and more faction driven, and I think that one of the factions, which obviously wants rate cuts to go down, is going to triumph at some point later in the year, but until we get past the incredible increase in inflation because of the Iran war, I don't think that faction is going to win. Right, there's three or four people in that faction, that's not enough votes to get past the others. So I'm predicting no rate cuts until Q4 of this year. If the Fed was entirely logical, there should still not be a rate card in Q4, but I think it'll happen because there's political pressure.   Keith Weinhold  47:25   The preservation of independence is key. Neil Bhawa, this has been great, and a lot of people learn from you. You're a brilliant educator, as well as what you're doing in the multifamily space, and a lot of other places. So, if someone wants to connect with you, learn more about what you do. What's the best way for them to do that?   Neal Bawa  47:43   So we built a website called Multi Family University. It's completely free. There is no subscription. There's no upsell. We do not have an educational product, but what we do is each year we have 8-12 webinars that we create with their extraordinarily good looking thanks to the use of AI. Yay, and we share them with an audience, and usually between 5000 and 1000 people attend our webinars each year, of which roughly 1% become investors with us. The rest, the remaining 99% just continue to get free access to data, and we cover every imaginable real estate topic: Single family, multifamily, industrial hotels, self storage, Airbnb, and even controversial topics outside of real estate, like climate change or impact of climate change and impact of AI. So you know, multifamily university is the best place you can go to, multifamily you.com/club It's a free club, and it's free forever.   Keith Weinhold  48:42   Neal, it's been valuable to our audience. Thanks so much for coming back out of the show.   Neal Bawa  48:46   Thanks for having me.   Keith Weinhold  48:53   Oh, a terrific, wide-ranging chat with Neal. There, yes, this interesting 2022 divergence between single family and multifamily, the slowing birth rate, and how that won't really catch up with real estate in a big way for perhaps 20 plus more years. How single family rentals beat multifamily on the basis of tenant retention, and a lot more that we covered there, and he's got a good data driven timeline for apartments being back in favor by 2027 and 2028 After the interview, Neil and I chatted some more off Mike, and he would like to come back on the show next year. We're probably going to have him, because we have a lot more to talk about at that time. We can see if the multifamily market is really healing. Also, did you pick up on this? I wonder why, for his own home he would get a 15 year mortgage at 1.75% interest, so I'll have to ask him about that. That's surely a fantastic interest rate, but a 15 year loan rather than a 30 year that maybe he could have gotten at two and a half percent at the time. Well, 15 year probably. Is not the best use of capital, because it increases your equity position rapidly. When instead, those dollars could have been out in the market earning an actual return somewhere else. But he's a smart guy, he must have an answer. We can talk about that at that time. We've got a lot of terrific shows coming up here on the GRE podcast, specific learning episodes, where it's just me teaching you, as well as new guests and returning guests too. Until next week, I'm your host, Keith Weinhold. Don't quit your daydream.   Speaker 2  50:35   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.    Speaker 2  51:03   The preceding program was brought to you by Your Home for Wealth Building, getricheducation.com.  

Out of the blue and into your heart. The tiger isn't dead… at least not yet. Always loud and never punctual, the tiger boys finally escape the confines of domestication to bring a much delayed episode to your ear holes.It's fresh milk episode. After dusting off the cobwebs it's a classic style episode breaking down Amazon's epic Spring run of comic shows, you know the ones, “The Boys” and “Invincible,” among other ziegiest hangers. It's an episode to get things running again as we travel into the forests of the unknown. So put on those headphones and run with the tiger.Have you experienced the elusive and majestic energy of the Blue Tiger? Had a sighting in the wilderness of the eternal forest? Drank the blue milk of it's revenge? Then let the people know it exists!A note: The “NOW” is the resurgence of the independent creator through crowd sourcing and self-publishing availability. As the veil gets pulled back ever further and the predatory practices of corporate models get revealed, it is more and more important to support those who actually create the stories and art that we as consumers enjoy. So SUPPORT INDIE PROJECTS and their CREATORS. Help make the indies the mainstream. Even the smallest of gestures can be of the biggest help.Oh look, We've still got a shop and there's designs and art prints! Bare the blue and seek your revenge: BTR shop! This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit bluetigerrevenge.substack.com

Whitney Elkins-Hutten of PassiveInvesting.com interviews Jose Berlanga, who has been building in Houston for decades, about the unique development playbook required for a build-to-rent community in a transitional neighborhood, especially when market conditions force a sudden pivot. Jose details his unexpected journey with the Barbara Rose 12-unit project, explaining how his team manages complex raw land acquisition, in-house entitlements, and the critical due diligence process that balances horizontal and vertical costs. Discover the struggle of bridging the construction loan to the permanent DSCR debt, the capital reserves needed to survive a market inflection point, and the sage advice on contracting and partnering to avoid common landmines for your first BTR development.

Congress is close to delivering the most significant housing legislation in decades - but not without sparking a fierce debate over build-to-rent communities and institutional investment. In this episode we speak with Steve Laterra (Terra Lane Development) to break down the latest version of the 21st Century ROAD to Housing Act, the controversial provisions that nearly upended the BTR industry, and the House amendments that changed the game.

Season 7, Episode 5: How did RREAF Holdings grow into a $4.8B real estate platform across multifamily, hospitality, BTR, and master-planned communities? Today, we sit down with Kip Sowden, Chairman & CEO of RREAF Holdings, and Doug McKnight, President of RREAF Holdings, to break down the strategy behind the firm's growth across the Sun Belt. Kip shares how he moved from brokerage into principal investing after the GFC, while Doug explains how his fixed income background shaped RREAF's approach to capital, risk, and liquidity. The conversation covers distressed acquisitions after 2008, bridge lender opportunities today, and why RREAF focuses on “all things residential” across the South and Southeast. Kip and Doug also break down their approach to multifamily, extended stay hotels, beachfront resorts, and large-scale Texas developments, while sharing why they believe a new real estate cycle is beginning. Shoutout to our sponsor, Henry AI. The fast track to investor-ready decks that actually stand out. TOPICS 00:00 – Introduction 03:45 – Kip Sowden's Early Career in Brokerage and Mortgage Banking 09:28 – Moving Into Principal Investing and Launching RREAF 17:03 – Buying Distressed Notes and REO After the GFC 24:17 – Structuring $500M+ Multifamily Portfolio Deals 30:29 – Master-Planned Communities, BTR, and Texas Growth 36:39 – Why RREAF Is Bullish on Extended Stay Hotels 42:26 – Why RREAF Focuses on the South and Southeast 47:45 – Institutional Capital Returning to CRE 54:30 – Where RREAF Sees Opportunity in the Next Cycle For more episodes of No Cap by CRE Daily visit https://www.credaily.com/podcast/ Watch this episode on YouTube: https://www.youtube.com/@NoCapCREDaily About No Cap Podcast Commercial real estate is a $20 trillion industry and a force that shapes America's economic fabric and culture. No Cap by CRE Daily is the commercial real estate podcast that gives you an unfiltered ”No Cap” look into the industry's biggest trends and the money game behind them. Each week co-hosts Jack Stone and Alex Gornik break down the latest headlines with some of the most influential and entertaining figures in commercial real estate. About CRE Daily  CRE Daily is a digital media company covering the business of commercial real estate. Our mission is to empower professionals with the knowledge they need to make smarter decisions and do more business. We do this through our flagship newsletter (CRE Daily) which is read by 65,000+ investors, developers, brokers, and business leaders across the country. Our smart brevity format combined with need-to-know trends has made us one of the fastest growing media brands in commercial real estate.

VOV1 - Sự phát triển nhanh của các khu công nghiệp, nhà máy sản xuất và các dự án FDI quy mô lớn đang kéo theo nhu cầu sử dụng điện ngày càng tăng tại Thái Nguyên. Tỉnh Thái Nguyên đang cùng ngành điện triển khai nhiều giải pháp đồng bộ nhằm bảo đảm nguồn điện ổn định cho sản xuất, kinh doanh...Được thành lập từ năm 2004 tại Khu công nghiệp Sông Công I, Nhà máy Thép Trường Sơn - Chi nhánh Công ty TNHH Minh Bạch là doanh nghiệp chuyên đúc và gia công cơ khí chính xác. Những năm gần đây, doanh nghiệp từng bước mở rộng thị trường xuất khẩu sang Mỹ, Nhật Bản và Thái Lan với khoảng 40% sản lượng của nhà máy. Với đặc thù sản xuất theo dây chuyền liên tục, điện năng được xem là yếu tố then chốt đối với hoạt động của doanh nghiệp. Bà Trịnh Thị Hương, Phó Giám đốc Nhà máy Thép Trường Sơn cho biết: Mỗi tháng, nhà máy chi phí từ 1,5 đến 2 tỷ đồng tiền điện. Dù vậy, nguồn điện ổn định là yếu tố then chốt giúp doanh nghiệp yên tâm mở rộng sản xuất và đáp ứng yêu cầu của các đối tác.

The U.S. House just passed an amended version of the 21st Century ROAD to Housing Act, and it removed the one provision that had Opportunity Zone investors on edge: a 7-year forced-sale requirement for build-to-rent (BTR) housing that would have collided head-on with the OZ 10-year hold. In this episode of OZ NewsHour, we break down what happened, why it matters for OZ fund sponsors and investors, and what comes next as the bill heads back to the Senate. We also look ahead to how states are gearing up for the OZ 2.0 nomination window, share an update on Jimmy's forthcoming book, and take your questions live. Show notes: https://opportunityzones.com/2026/05/oznh-may-2026/

On ne sait pas pourquoi, mais certains titres, sans être des tubes, font l'objet de multiples reprises, parfois dans des styles inattendus.Dans le dernier épisode de Bon Temps Rouler, nos spécialistes du blues, Jean-Jacques Milteau & Johan Dalgaard, vous ont fait écouter la version d'un classique de Willie Dixon, I Just Want To Make Love To You revisitée par les Rolling Stones.Cela leur a donné envie d'en savoir plus sur le destin d'une chanson au fil du temps, à travers ses différentes interprétations.Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Bà Trần Thị Vân Ngọc - Phó chánh Văn phòng Cục Quản lý khám chữa bệnh, Bộ Y tế - cho biết Bộ đang đề xuất cấm người sinh từ năm 2010 về sau mua và sử dụng thuốc lá, hướng tới mục tiêu hình thành “thế hệ Việt Nam không khói thuốc” trong tương lai.

What is meant by the term ‘systematic solutions'? Why are they increasingly important for investors? And how is AI changing the way they are constructed?In this podcast we hear from three key members of L&G's systematic solutions capability to discover the answers to these questions. Our speakers are: Elena Cardella, Head of Index & ETFs Investment Specialists Boyang Liu, Head of Systematic Solutions Raj Shah, Senior Quant & Factor Strategist - Index Solutions. This podcast was recorded on 15 May 2026 and is hosted by Luka Lukic, Product Proposals Specialist.For illustrative purposes only. Reference to a particular security is on a historic basis and does not mean that the security is currently held or will be held within an L&G portfolio. The above information does not constitute a recommendation to buy or sell any security.L&G AUM figures as at 31 December 2025. Excludes assets managed by associates (Pemberton, NTR, BTR). The AUM includes the value of securities and derivatives positions and may not total due to rounding.

Send us Fan MailThe first out of three live episodes being recorded from the Housed Shared Living Summit in-front of an audience of listeners and on day one of UKREiiF, we give an unfiltered view of the shared living sector and the threads running through our three-day event. We discuss:- political uncertainty that slows planning- regulatory pressure from building safety and renters' rights reform- the accelerating impact of AI on leasing, operations, and marketing- student housing demand staying strong while affordability and product mix drive voids- BTR attracting students and what that signals for product, pricing, and planning- co-living's identity crisis and why community has to be designed, not assumed- single family housing investment surge and the case for long-term renting- rented later living demand, labelling problems, and what active older renters wantSpecial thanks to Alasco for sponsoring this special episode. Find out more at: https://www.alasco.com/Dan Smith is Founder of RESI Consultancy and Co-Founder of Verbaflo.AI.Sarah Canning and Deenie Lee are Directors and Co-Founders of The Property Marketing Strategists - Elevating Marketing in Property.Who this episode is for:PBSA and student accommodation professionalsBTR, co-living and rental operatorsProperty developers and investorsUniversity and higher education leadersAnyone working in or around housing policy and shared livingThe views and opinions expressed in this podcast are those of the hosts and guests alone and do not necessarily reflect the views of their employers, organisations, clients, or partners. This podcast is for general discussion and informational purposes only. Nothing said should be taken as professional, legal, financial, or investment advice. While we aim to be accurate, we make no guarantees and accept no liability for decisions made based on the content of this podcast. 

Chair: Tim Burke, editor Speaker: Helen Collins, principal & managing director, Midlands, head of UK living and affordable housing, Avison Young When the traditional blueprints for BTR and housing for sale no longer align with economic reality, the industry must look to new models and partnerships beyond the balance sheet. Today, the most valuable asset in a developer's toolkit isn't just land or capital, it's the ability to flex and pivot to find the opportunities among the challenges.    In this episode, Helen Collins explores the move toward embedding partnership models. As project feasibility becomes a moving target, Avison Young is seeing a new trend: regional experts joining forces to breathe life into stalled opportunities. We discuss how these collaborative ecosystems are rewriting the rules of delivery, ensuring that vital housing projects move from the drawing board to the community.

Thanks one and all for the 40.5K downloads so far.  Also thank you to the even more streamers.  We love you all.  This episode of BTR has been around the world several times in different formats.  Enjoy these 2 hours of hand-picked music.   Peace! Biggdaddy Ray Hansen

If you're typing “Celebrate Recovery near me” into Google because you’re desperate for help after discovering that your husband has been lying to you about his infidelity or his use of inappropriate material, you're not alone. BEFORE GOING TO CELEBRATE RECOVERY NEAR ME, CONSIDER THIS: 1. Recovery Programs Only work If He's Honest A recovery environment only works if your husband is completely honest about his behavior. Even in cases where he’s willing to attend a program, some women discover their husband takes “chips,” confesses slips, or shares breakthroughs in group without ever telling her. Not because he's changing, but because he's using the system to make it look like he's changing. 2. celebrate recovery near me Can't Fix Emotional Abuse When women search “Celebrate Recovery near me,” they often think the program will help heal their marriage by helping their husbands understand the root causes of their addiction and behaviors, especially if he seems willing to go meetings. But the root issue isn't addiction, it's entitlement, control, and dishonesty. Most recovery programs aren't designed to assess or confront coercive control. So instead of getting safer, some women end up feeling more confused. Before you invest your hope in any program, you deserve to understand the full picture. To discover if your husband is emotionally abusive, take this free emotional abuse quiz. 3. Some Men Use Recovery or Language as a Shield Many women report that once their husband joined a recovery group like Celebrate Recovery near me, he just learned to speak the language of recovery without actually changing. Instead of becoming more honest, some men become more skilled at hiding, using the right words, sharing at the right times, and appearing accountable…while the underlying patterns stay the same. This isn't necessarily the program's fault. Recovery culture tends to take disclosures at face value. But for some men, it becomes a stage rather than a mirror. 4. If He Gets Praise in Group but You Get Hurt at Home, Pay Attention The applause of a group like Celebrate Recovery near me can unintentionally reward performance. Your lived experience matters more than his report. If his recovery looks great publicly, but privately you feel scared, confused, dismissed, or blamed, that's a sign to step back and observe what’s happening. You don’t have to announce this to anyone 5. RECOVERY Programs Don't Replace Betrayal Trauma Support A program like Celebrate Recovery near me often uses a model that focuses on his trauma from childhood or his triggers. They may encourage couples to build routines that reduce his stress or triggers, sometimes placing more responsibility on her to monitor or support his progress. These might be good tools for people who genuinely want to heal. But they don't address lying, manipulation and entitlement. A woman in an emotionally abusive marriage needs support that centers her emotional safety, not his recovery timeline. 6. If You Feel Worse After the Program Starts, That Matters Many women assume feeling worse is a sign that they're a part of “the problem,” or they need to be “more supportive.” When his patterns of behavior become a shared problem…something you're both expected to manage…it often creates more emotional chaos for her. Her emotional safety needs to be addressed separately, not tied to how well he's doing or how much effort he appears to be making. Feeling confused, blamed, responsible for his recovery, or pressured to forgive and move forward…is a sign something else is happening. 7. Your EMOTIONAL SAFETY COMES BEFORE HIS RECOVERY STORY If you’re searching “Celebrate Recovery near me” to save your marriage, here's the most important thing: his recovery is not the foundation of your emotional safety. Your clarity is. It’s important to have your own support community in place that is educated in the dynamics of emotional and psychological abuse and can help you decide what you need for emotional safety. If you need support in addressing what's really happening, and whether a recovery program can help, you can start with the Living Free Workshop or BTR Group Sessions. They're designed to give you immediate clarity. Transcript: What Happened When I Googled “Celebrate Recovery Near Me” Anne: I’ve talked to hundreds of women who have typed things like “Celebrate Recovery near me”, or “addiction recovery program” into Google. Especially when their husband said he was an addict and he is willing to go to a program. So if he’s willing and goes to this program, it’s totally normal for a woman to think that things are gonna get better. But over the years, I’ve interviewed countless women who tell me things actually got worse. And I’m interviewing one of those women today. We’re gonna call her. Nancy. Here’s part of her story. Nancy: His coworker called me. She told me she was out with some friends. And he flirted with her and tried to pick her up. We were Going to Celebrate Recovery. He supposedly had been sober for months. Anne: We’re gonna get to her whole story, but before we do, I wanna stress that it’s important to understand that a manipulative man can use anything, a recovery program, therapy, even meeting with clergy to manipulate a woman further, and that causes a lot more harm and trauma. So before you start searching for a recovery program for your husband, it is important to consider what his recovery would be for and how abusers manipulate their victims. Most of the time, the therapist will say something like childhood wounds or addiction recovery. When really what you’re actually experiencing is emotional and psychological abuse. And I’ve even interviewed women who have tried to find an abuse program for their husband, and they still tell me the same things. So as you listen to Nancy’s story, I think it will help put into perspective what’s really going on and what steps you wanna take next. When I met him I thought he was a good guy Anne: That’s why I created the Living Free Workshop. It helps women know what’s going on, if he’s really abusive or not. Some women find out he’s not. And then what steps to take to create emotional safety in your life. It’s much faster to figure that out first, before spending tons of time and money in therapy or a recovery or Celebrate Recovery near me program. Living Free total run time is about two hours and 50 minutes, which is much shorter than three or four years to find out it’s not working. So Nancy, thank you so much for sharing your story today. Welcome, can you tell us how you met? Nancy: When I met him, he went to church. He served on the worship team, and he could talk like a preacher. So I thought he was a good guy. It was confusing, because we were play wrestling, and I wouldn’t have remembered this except I had written in a journal and I read it after everything fell apart. He held me down and said some things like, did you think you were stronger than me? Did you think I would let you go? It really scared me. I was very close to breaking up with him, but he actually cried and apologized. So I thought, he’s sorry. It’s not gonna happen again, and that sort of thing never happened again. He realized he had to be more subtle. He did tell me about his past sexual history. Mirroring my desire to serve missions Nancy: He was in the Navy and with several prostitutes. And he was honest, it felt like to me at the time. That he struggled with porn. I thought after we married, that wouldn’t be an issue. And honestly, I don’t know that anyone would’ve told me anything different. I wanted to serve in medical missions. He didn’t seem interested in this, so I prayed and left the relationship in God’s hands. I told him about how I prayed. And the next time we got together, he said, “He had been thinking and praying, and he really felt God moving his heart to missions. That everyone always thought he should be a missionary. It really blew me away, because I thought God had answered my prayer really fast. He knew that he was not only lying to me, he was also lying about God, and he chose it. Which makes him a really evil person. In pre-marital counseling, I was clear that I didn’t see myself as a housewife. I wanted things to be equal, and I didn’t plan to stop working. He acted like he was on the same page and that he was fine with this. So we married. Things were not good. In less than a year, he turned me down for sexual intimacy. Which was surprising and incredibly hurtful. Especially when I realized he was looking at porn. We went to see the movie Fireproof, and afterwards he admitted he was taking off his ring to flirt with people. I was trying to be very understanding, but I did feel hurt, and he got angry at me. He said this was the thanks he gets for staying away from porn for a couple weeks, which is not funny, but I’m laughing at the audacity. He Pushed Me to Quit Working While Avoiding Any Real Recovery or Celebrate Recovery Near Me Programs Nancy: I think I blocked a lot of it out, because somehow things were good enough back and forth between nice, the Christian thing, and when he would be not so nice. I didn’t recognize abuse. The only thing I could put my finger on was the sexual things. We never could solve how things were to be run. And now that we had children, he could step away and I would be forced to do more house duties, cooking, cleaning, et cetera. Because someone had to do all the things for the children. I would tell him what we had agreed before marriage, and he said, “Yeah, but I thought you would change after we had kids.” Anne: I said the same thing. I said, I’m not gonna cook. And he was like, no problem. Then later told me, I thought you would change. And I’m like, I was so clear. Nancy: Exactly, we’re both honest and open. It’s like, that doesn’t mean I have to change, just ’cause you thought I would change. Well, it did because we had children now that needed to be taken care of. Anne: Right. Nancy: The same thing I said, I didn’t wanna stop working.” And he would constantly try to get me to stop working. I was only working part-time. He wanted me to not have an escape route. We separated, but I was so exhausted and overwhelmed with a baby, 2-year-old, and a 5-year-old. We got back together pretty quickly. Discovering he was flirting with coworker Nancy: A year later, we separated again and went to couples counseling, ’cause I still had not seen how that was harmful. I was really hopeful, which seems funny after just like a week or two of separation. But his coworker called me and told me she had been out with some friends, and he was flirting with her and trying to pick her up. I thought this would be his rock bottom, because he’s almost lost his family. Anyway, we got back together and things were up and down. I was dealing with a lot of anger and depression, social anxiety. At the time, I thought I needed counseling to deal with my issues. We were going to Celebrate Recovery near me. His stated problems in Celebrate Recovery were sex addiction and anger. It’s so crazy knowing that, how could everybody there not believe anything I was saying? He supposedly had been sober for months because of all the addiction model stuff. We agreed that he would tell me if he ever had a slip within a certain amount of time. So at Celebrate Recovery, he went forward for a one-day chip, and that really shocked me because he wasn’t ever gonna tell me. When we agreed that he would. After that we had sex that was definitely, obviously coercive. I don’t think I had the words at the time, but I definitely felt that way because we had an agreement and he didn’t follow it. That was the last time we ever were together. He said he would throw me a 30th birthday party Nancy: I took a step back, and I was observing him because I felt like we were at the best place, and I’m actually an okay person. That means there’s nothing I’ve done wrong, literally. And there’s nothing I can do to change this. It just became increasingly clear to me. So I started looking for more information and came across BTR, but I didn’t listen to the episodes because I saw the word abuse. And thought that doesn’t apply to me. And I found a couple other podcasts. They didn’t fully explain everything, and then a really bad incident happened when I turned 30, a big birthday. Anne: They always do it on birthdays and holidays. Nancy: I know, I had always thrown him birthday parties. He’s an extrovert and that was something that he enjoyed and I didn’t mind, he didn’t throw me anything because I’m more of an introvert. So when I was going to turn 30, I told him that I’d like a birthday party and would like him to throw it for me. I said if he didn’t want to, let me know. ‘Cause it was important enough to me that I would throw it for myself. He said he would throw me the birthday party. But when I wasn’t seeing any preparations, I checked in with him. And the motions he made came across like he was planning a surprise birthday party. Anne: Like, let’s not talk about it. Or you might ruin your surprise. Nancy: Exactly, I had said, “I will throw it for myself.” I repeated that again, that time. He knew. He Claimed He ‘Forgot' My Birthday While Pretending Recovery Through SAA and Celebrate Recovery Near Me Groups Nancy: So my birthday comes up. I expect a surprise party around any corner. I come to the end of the day and nothing happened, nothing. And his excuse was forgetfulness. Anne: I never gave you the impression I was gonna throw you a party. Nancy: Yeah, It was always that gaslighting and blame shifting. I feel like I dissociated a little bit around that time. ‘Cause it was really hurtful, because I would have thrown it for myself. Anne: And he knew that and he gave you the impression that he was throwing you a party on purpose to ensure that you didn’t have a party. Nancy: Exactly, I actually believed him that it was on accident, but that was just as hurtful. Now, I believe it was fully on purpose. At the time I was going to COSA and he was going to an SAA group. Anne: When she says COSA or SAA, she’s talking about 12-Step recovery for pornography addicts or sexual addicts. There are other programs like Celebrate Recovery near me. And the COSA is a co sex addict’s 12-Step for a wife of an addict, where she basically does the same program he does and tries to fix her character defects. Nancy: Yeah, I’d been talking about giving him another chance to throw me a party, and they said if he already didn’t do it, you should not do that. So I ended up throwing myself a party. After that 30th birthday, I would get down around my birthday every year. I ended up telling him that, not in a way to blame him, because like I said, I didn’t think he had done it on purpose. I just thought I should let him know I wasn’t myself. Recognizing Gaslighting in real time Nancy: And it was the first time I recognized what he was doing in the moment, he started to say. “That had not happened. That didn’t sound like something he would’ve done, that my memory must be a little off.” So many different ways he was trying to convince me that it hadn’t happened, and he couldn’t convince me because I knew it had happened. So he switched tactics and said that maybe he should get counseling for being abused. Anne: He’s claiming that you’re abusing him. Nancy: Exactly, I was so confused. I asked him, “Abuse, what are you talking about? Am I being abusive right now?” And he goes, “No, the abuse I’ve had to endure for the last how many years.” And then I realized oh, that was gaslighting. That’s blame shifting, and I ended up leaving the room and cried on my own. It shook me up that he could take something very vulnerable and turn it on me like that. I was talking about that incident and how he was saying I was abusive and I heard myself saying, “It was surprising he would call me abusive when he’s been so much worse.” And that was the first time I thought maybe he is abusive, and that reminded me about BTR. I thought, let me listen to that, ’cause maybe I can get some insight. That brought me back to listening to the BTR podcast. And I vividly remember I was binging all these episodes, hearing women’s stories. It felt like my life. And it just blew my mind to realize I’ve been abused this whole time. Anne: I’m so sorry. You were experiencing Betrayal Trauma and were not aware that recovery or Celebrate Recovery near me programs wouldn’t help you. Addict model says he’s struggling, he’s not in control Nancy: It made sense. It felt like everything clicked into place. Everything else I was told didn’t make sense. I always talked about stuff. I was always looking for answers. And I never felt like I was codependent or that I needed codependents anonymous. None of that stuff seemed to fit. In fact, the advice I was given, “Don’t pay attention to what he’s doing. Only work on yourself.” While they’re also saying, “Don’t be codependent, ignore what he’s doing,” which just doesn’t work. The addict model, like he’s struggling, he’s trying, he’s not in control. I mean, that’s like step one. You’re powerless to control your behavior. He accepted the addiction model early on, and we were in and out of groups the whole time. But I don’t believe now that he’s an addict, and I don’t think he even thinks he’s an addict. It’s a great excuse to keep doing what you’re doing. Because there’s no accountability, and everyone applauds your efforts. Even if you’re not reaching the goal, you actually have a choice. He would say to me that he could not promise that he would never do any of the sexual stuff again. So it was like basically just saying, I’m gonna be doing this my whole life. Anne: My ex wouldn’t promise either. He said if I promised, “I wouldn’t be on my toes. Like I don’t want to think I couldn’t do that, because then maybe I would be in danger of doing it.” Which doesn’t even make sense. Like I can legit say, I will never have an affair. finding BTR helped me wrap my head around the abuse, Celebrate Recovery near me didn’t Nancy: Right, yeah. I found BTR. And the abuse model is they have a choice, and they’re choosing to be harmful and abusive. All these years he had been a liar. I stepped back and observed behavior for me to fully wrap my head around it. I believe he feels entitled to do what he wants. He doesn’t see people as people. Or maybe it’s just women as women. Objectification is a huge thing. I don’t think he ever saw me as an equal partner or a person. And I don’t believe he ever loved me. I was a desirable object he acquired, and that was it. When I started listening to BTR, it helped me understand abuse and the subtleties of it. Because before, I had only been thinking physical abuse or yelling insults, which my ex did not do. Listening to the stories helped me see how this plays out in marriage, even in a Christian marriage. It was helpful to see the ways men could twist faith things, because many of these men and my ex are very manipulative. Like it has to slowly play out over time to see what they’re doing. And a lot of it goes back to intent, and it’s hard to see intent. It was hard for me to imagine my husband is lying to me. So that was a shift too, to start looking at actions instead of words. BTR gave me a lot of insight into what I was living through and what was helpful, especially getting into the BTR groups. Celebrate Recovery near me didn’t do that. It helps build you up so that you can go through the hard stuff. We were going to counseling around the time I started going to BTR group. Going to couple counseling Nancy: Because of BTR, I had the words for it. I was able to express better what was happening. The counselor didn’t help my situation, of course. Individual counseling and couple counseling are unhelpful, because an abuser’s goal, my ex’s goal, was not to get better. His goal is to get whatever he wants. He’ll say whatever he needs to say to get what he needs from the counselor. We’ve gone to quite a few couple counselors. We would go into a new counselor, and he would bring up a new issue. He had never told me about me. Anne: Suddenly you’re a kleptomaniac or something. Nancy: Yeah, things that he thought I did that were hurtful to him, that I had never heard of before. But I felt so bad that I was hurting him without knowing it. What a callous person I am. Anne: Not knowing he was bearing false witness and that he literally made it up. Nancy: Yeah, completely distracted from why we went to counseling in the first place is sexual issues. Like I would have to be a safe person so he could be honest with me. Because I’m an actual caring person, I would feel like this was an actual issue that I needed to fix. And that is the part about the psychological abuse that is hard to describe. Because a lot of it could sound valid, and I thought these things were valid. But later realizing they were lies. They were lies, because he would’ve said them before. Anne: Exactly. creepy experience with new counselor Nancy: We did an in-home separation, At first. His abuse escalated the freer that I was getting. I never completely stopped working. I got a job and started after the in-home separation. He actually shut off the internet. Luckily, I prepared ahead of time. I had my own phone plan with the hotspot, So I could just switch over and just didn’t even engage with him. It has been a process of combing through my life, and I have wondered that how many lies I won’t even know about or remember. Because, I believed him and he was so good at lying. One of the new things he said was I wasn’t being vocal enough in bed. It felt so humiliating for him to say that to the new counselor. When he had never said that before. This male counselor wanted us to do an exercise right then on the sofa in front of him. He wanted my ex to touch like my foot or my leg, and then slowly move closer to my private areas. And as he moved closer. I was supposed to make more and more noise. Anne: No. Nancy: Isn’t that crazy? Anne: That’s so creepy. Nancy: I did feel incredibly creeped out, and I refused to do it. Anne: Good for you. He said there would be no equality in our marriage – Celebrate Recovery near me didn’t help with that Nancy: I wish I had just walked out, But after we left, I said, “I will never go back to that counselor again.” And we never did. I said, “What I would need to continue in the marriage was for him to be seeing his own personal counselor, to have a full disclosure with a lie detector test.” Which he said no to. And I know now it wouldn’t have been helpful. Just like Celebrate Recovery near me wasn’t helpful. Anne: I know, thank goodness. Nancy: Right. Anne: Mine never did that either. And I think I would’ve just been in the abuse for so much longer had he said yes. Nancy: Right, and then the second thing I said is that, “I wanted equality in our marriage.” And he said no. Anne: He said no, he didn’t want equality? Nancy: Correct. Anne: Wow. Nancy: So I was like, then literally that’s the end of it. And I was going to BTR group. I remember one of the coaches said to me, “It was a blessing that he actually had been honest.” At the time, I didn’t understand, now I do. And I’m so glad I asked those questions. I don’t know why he was honest. There are two possibilities. He didn’t think I would leave, because I hadn’t yet. We’d been married for almost 14 years, and he was only saying what was already true. You don’t need to be perfect to be loved Nancy: I just didn’t realize it was true. Or maybe he did want me to leave. I had some conversations with his mom. Because I found BTR, and surprisingly, she said it made her realize she was in an abusive relationship with my ex’s dad. However, she still felt like I should stay. Because she felt like the Lord had taught her so much and she had grown through all these trials. I have sympathy for her, but it’s so wrong. All of a sudden it just became very clear to me that if I stayed for the kids, it was actually putting them more at risk. And honestly, that conversation solidified that I had to leave for the kids. If you’re not sure yet if your partner is abusive, Just listen to some BTR stories and see what jumps out at you. You are a worthy human being that does not have to be perfect to be loved and treated with respect. Reconciliation is not necessary for forgiveness, and you don’t have to forgive anyone. It’s more of a process that can happen on its own time, and no one should force it. Pay much closer attention to someone’s actions over time than the words they say. And it’s never too late to make different choices when you learn or understand new information. I feel like having to make a choice that is wildly unpopular with people around you. Church, that I had to learn in a new way. Maybe for the first time, to not let what people thought about me affect the decisions that I make that part has been really hard because a church we were going to was not supportive at first. Call from somebody in Celebrate Recovery near me group Nancy: Some of them seemed supportive, and even the ones I thought were supportive, in the end weren’t. I actually got a phone call from somebody in my Celebrate Recovery near me group. She called me up to ask me if I was seeing a counselor. Because I still seemed angry. I was speechless, of course I’m angry. Anne: Yeah Nancy: I didn’t even know how to respond to her. I just told her yes, I’m in BTR group and got off the phone. There’s nothing wrong with being angry about the situation. I feel like church tells women they shouldn’t be angry. But Jesus was angry. There’s nothing wrong with being angry. Anne: Yeah, I feel like if you’re not angry, something’s wrong. Nancy: Right. Anne: I mean, nothing is wrong with you. You might be numb, you might be sad. I went through periods where I wasn’t super angry. I was just really depressed, but on the whole oppressed, abused, exploited people, their anger is from God to help liberate themselves from the oppression. But of course, the abuser does not want you to liberate yourself. He said flat out he didn’t want you to be equal. That is infuriating. Nancy: And now he wanted 50/50 custody. It was very upsetting, because my ex had been very non-helpful around the house and with the kids. It was hard to think that he would want 50/50. Anne: But of course he did. Nancy: I didn’t see that coming, and I wish I had been more prepared and could have been more strategic. Listening to him lie in the courtroom Nancy: I could not wrap my mind around that at the time. I had seen more and more abuse as my eyes were open. So I couldn’t wrap my mind around 50/50 custody. I was under the delusion that justice was in the court system. I found out, even though I know he lies, it was a big shock to listen to him lying in the Courtroom. It’s hard to witness. It’s something I wish I had processed before, because I’m sure that was pointed out to me. But I couldn’t process that as a reality back then. The Living Free Workshop was so helpful. And going to group and getting help constantly. The Living Free Workshop is so different than anything you’ve ever been taught. I don’t know how I would’ve made it through this, honestly. That was another thing that was really helpful. There were some scripts in Living Free to get him on Our Family Wizard, and he actually got on it easily. I was surprised. I didn’t think he would get on as easily as he did, and just not responding in any other way. Anne: That’s the thing, they’re desperate to talk to you. With the workshop, everybody says, how am I gonna make him go on OFW? And if you do the script and stick to it and do not deviate. Legit, don’t deviate. Once you’re on Our Family Wizard, literally block him on your phone, so he has no other way of contacting you. He is desperate to get your attention and your belief, like Living Free says, yeah, they’re so transactional. And if you respond through Our Family Wizard, he will find a way to do it. he performs for others in groups like Celebrate Recovery near me and in court Anne: They’re like, well, this is what I gotta do to talk to her, because I’m blocked otherwise. They will move. It might take a month. I’ve had it take the longest six weeks with one woman that I was working with. Every single time he texted, she said, “Hey, I’ve responded on Our Family Wizard.” Nancy: Right. It felt overwhelming, because he kept sending me long, manipulative messages, but I responded on Our Family Wizard. It only took me once for him to switch. Being on OFW was better. Oh, one of the books BTR recommends, The Woman They Could Not Silence. I read it and that was awesome. It helped open up my mind to spiritual abuse. It’s been inspiring to me this whole time. What she went through being separated from her children. That book has been really inspiring. The thought of leaving them with him, terrifying to me. We went through two rounds of court. He would make it sound like I was controlling and not letting him do things. Like why wouldn’t I let him take the kids to half of the doctor’s appointments when he never came to a pregnancy appointment? And same with field trips. He’ll go on field trips now, and I feel like it’s just to keep me from going. It. He never wanted to before. Anne: If he was actually a good dad, he would’ve been doing it before, but since he’s only doing it now, he is just performing. Nancy: Yes, it’s a performance because he’s getting something out of it from other people, like in in celebrate recovery near me, and it’s punishment for me because he knows how much I like being there for the kids. Reluctance to support anything he can’t control Nancy: When we married, he didn’t want us to do extracurricular activities. He didn’t even want free after school activities, much less anything you would have to pay for. He was only okay with youth group attached to his job, not the free after school activities. But since we’ve been divorced, he has them interested in hockey, which is one of the most expensive and time consuming sports there is. It’s very strange from my entire experience with him. He never talked about hockey, and he never wanted them involved. At the same time, he is not wanting to pay half of necessary expenses, like medical or orchestra uniforms. For a long time, I was not asking for half of necessary expenses. Because I didn’t wanna have to deal with him because he makes it such a struggle. Anne: My ex is exactly like that, exactly. When my book comes out, I’m anxious for you to read it, because it was all about control. Like, if I’m paying you anything or if I’m involved in any way, I have to control it. Nancy: Yeah, like my youngest wanted to do karate. His dad would not participate even when I offered to pay the whole thing. Other son was invited to concert band, and his dad said no. Anne: Think about the power trip that gives him that he’s able to manipulate them away from their natural interests. And maybe hockey is something that he wants to do. Like he thinks karate’s dumb, but he thinks hockey’s interesting. Draining my bank account and controlling my time Nancy: It is a huge expense that is very draining. When he won’t even pay half of an AP test. Anne: And that might be part of it. He’s, let’s pick the most expensive thing to drain her bank account. Nancy: Yeah, it was a double bind to drain my bank account and control my time. And at the same time, if I have to back out of it. He’ll say, sorry, kids, Mom won’t let us go to hockey. Anne: He’s calculating ways to set you up to be the bad guy. Nancy: Yes, he is an expert at setting up situations, so my bank account is being drained, and I cover a hundred percent of their insurance. Anne: With a lot of these post-separation abuse situations. They get the benefits, but they don’t have any of the responsibilities, and they can use it against you, but it never works for you. They can bend the rules in order to benefit them, but you can’t bend the rules. Nancy: In the Living Free Workshop. It was helpful to see how to deal with narcissistic abuse in marriage and how it plays out in separation, to find a way out of it. There was one thing you said, and this is when you’re moving away from his harm. You said, “If he escalates, remember that protecting yourself from the harm is not the cause of the harm. Just like evacuating a building was not the cause of the exploding gas lines.” He still wants to get together Nancy: That really hit me. One of the things that keeps haunting me is did I do the right thing? He still tries to get together personally with me. It constantly comes up that he wants to get together for coffee, or would I go to counseling with him, co-parenting counseling. I mostly ignore it at this point because he’s asked so many times. I don’t even answer him. Then if something goes wrong with the money situations or if there’s a point of disagreement, he will say, if you would’ve only met with me like I’ve asked, then this would’ve already been stopped. Anne: Yeah, we could’ve worked it out somehow, no. He would still lie. Nancy: It’s a trap. There’s that little 2% of me left that feels like, well, maybe I should meet with him, but no, it’s a trap. Anne: Yeah, no. Nancy: Because he never intends to do a nice thing. He just wants to get me in front of him again. I don’t think any good would come of it. Anne: A hundred percent, no. It might seem good, ’cause once you get there, it might seem good. He might like to turn on the manipulative lies to make you feel like he cares. I think one of the most abusive things people can say is, I love you or that I care. So manipulating you in that way is actually dangerous, and that’s probably what would happen. Nancy: I don’t think I could keep a straight face. It would skive me out so bad to be around him and hear stuff like that. Everything he says is the opposite of the truth Anne: Well, it’s just further evidence of his controlling nature, because he desperately wants to hang on to control. And so he’s increasing his lies because it’s getting away from him. That’s definitely a sign that he’s been lying the whole time. Nancy: I completely agree. I know that this is better for them in the long run, but in the short run, that sentence helps me right now. That was probably one of the hardest things for me to come to terms with, is that he never loved me. He doesn’t love the children. None of it’s real. It’s all lies, and he still does it. It’s mind-boggling. Everything he says is the opposite of what the truth is. He continues lying as he did in programs like Celebrate Recovery near me. As we were moving through the separation process, the boys did not want to leave and crying and like holding onto the car seats. It was horrible. I knew if I said anything to him, he wouldn’t care. Any altercation would be scary for the kids. So I started getting third party exchange people through a new church. I actually found a church with a woman pastor, which is quite lovely. The new church was helpful and supportive, and there were several people that would help me with exchanges. And things changed, like taking the Living Free Workshop, and suddenly I felt a lot stronger. I had a new understanding and confidence, so I stopped doing the third party exchanges. He actually met with the principal to try to get the principal to agree with him that I’m not allowed to go into the school on his parenting weeks. like in celebrate recovery near me, A clear example of him lying, controlling and abusing Nancy: Which isn’t true. You’re allowed to visit your kid in the school. Anne: Absolutely. Nancy: Unless there’s a restraining order, which there’s not. We have shared custody, but he made it sound like the principal agreed with him. I didn’t think it was the truth, but it scared me at the time. And we were about to have a party, and I signed up to bring food, so I worried I would be kicked out. But the principal didn’t say anything. Isn’t that a clear example of parental alienation? Anne: It’s a clear way of him undermining your relationship with your kids, lying, controlling, and abusing you. This is how he’s literally abusing you and your children. Nancy: Everybody heard about this incident, and it didn’t matter. He made it sound like he had just been concerned for the children’s wellbeing. Anne: Yeah, no. Nancy: My being around them upset them. Anne: Lies. That’s the issue they lie in programs like Celebrate Recovery near me and fool the leaders. Nancy: It’s lies at times it is possible that they might be upset, but it’s not because they’re scared of me. It’s more that they’re sad about the situation. My one son, he told me, it makes him sad to see me when he knows he has to go back to his dad’s. My daughter had a phone before we separated, but he wouldn’t allow communication between the boys and me ever. Once, my son called me using his sister’s phone. He was crying. I was only on the phone for about two or three minutes, and then the phone cut off. And they told me when they came back that he had been mad at them for calling me. Even if there is a court order they will find away around it Nancy: He wouldn’t allow them to have a watch phones either. That’s one of the reasons we went back to court. Anne: That’s the problem with court. You think if we get it in writing, then he’ll do it, but it doesn’t matter. He is not gonna do it no matter what. Nancy: This is what I have learned. I don’t ever wanna go back to court again, because it doesn’t help. No matter what you do, they’ll find a new way to cause harm. So there’s no point in any kind of new order. ‘Cause then they’ll find a new way around it. Anne: Exactly. Nancy: I’m still glad I went, because before I had been worried I had to do everything exactly perfectly or something would go wrong. And then I realized he’s doing wrong things on purpose. He just says stuff to get what he wants and nobody cares. So that has relieved a lot of fear. Anne: What would you share with listeners about what you’ve learned so far about finding help, maybe from Celebrate Recovery near me or elsewhere? Nancy: You know, hearing other people’s stories have meant so much to me, Living Free and the BTR coaches set me up for success. They told me to transfer half of our money to a separate bank account before I even told him that I might be leaving. That was incredibly helpful because I’m not sure if it would’ve been easy for me to get the money. I never used the word abuse or narcissism to him. That played out well, because he would’ve twisted it against me. Anne: A hundred percent. Kids need to know what a safe place feels like Nancy: Getting on the parenting app, super helpful, third parties for switches. Finding people to help with the things you need is just a lifesaver. I do feel like it will be better for the kids in the future, because they can be in a peaceful setting that’s not manipulative. So when they’re making decisions. About how they want to live and their future partners, that they know what it feels like to be in a safe place and being able to have discussions with them about men’s and women’s roles. Anne: Nancy, thank you so much for sharing your story today. And helping others who are searching, to find something truly helpful. Nancy: Thank you.

In this episode, Alexandra Luca talks with Chris Slater, CEO of Oka - a leading carbon insurance provider supporting credits in the initial phase of the Carbon Offsetting and Reduction Scheme for International Aviation (Corsia). They discuss Oka's current insurance-based credits pipeline, recent challenges for insurers, and future developments in the Corsia market.   Tune in for expert insights on: Obstacles to expanding insurance-based Corsia supply: the impact of the EU draft proposal on insurers  Insurance capacity beyond BTR deadlines in 2026 Key regions and methodologies for supplying Corsia How the war in Iran is impacting Corsia demand and supply Learn more about the Argus Carbon service

For a new edition of Intelligence Talks, Katie O'Neill speaks to LGIM's Head of BTR, Adam Burney, and Head of Residential Development Research, Oliver Knight. She asks; how are investors navigating the current investment landscape? What's really happening with rental growth, and what does it mean for future development? And importantly, where next? Hosted on Acast. See acast.com/privacy for more information.

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

Chris Kay and Andrew Katz talk recent draft results, Kalshi, degen bets, the NFL Draft and so much more on this April episode of BTR.

A note: this conversation was recorded on March 17, 2025, so any references to pending legislation reflect the state of the debate at that time. The debate over institutional ownership of single-family rental (SFR) homes has moved from industry trade publications to the floor of the U.S. Congress. A bill currently working its way through the legislative process would restrict large investors from buying additional SFR homes and require build-to-rent (BTR) communities to be sold off within seven years of completion. But what does the research actually say? Josh Coven, Assistant Professor of Real Estate at Baruch College's Zicklin School of Business, joined the New Home Insights Podcast to walk through his findings — and the data challenges some of the most widely held assumptions about institutional investors, housing prices, and rental supply.

Most people think the best product wins. August Biniaz disagrees, and he's built a multi-million dollar real estate private equity firm to prove it. August is the Chief Investment Officer and co-founder of CPI Capital, a real estate private equity firm with two verticals: multifamily value add (Tampa Bay, San Antonio, Austin) and build-to-rent development. In this episode, he breaks down the returns (15–20% multifamily vs. 25–30% BTR), the investor psychology behind raising equity, and the exact marketing systems that helped CPI scale from zero to a cross-border investment platform serving Canadian and US accredited investors. Whether you're building a fund, a company, or a brand — this episode is about the infrastructure behind growth.

This week on The Gray Report, Spencer Gray and Griffin Haddad unpack the volatile macroeconomic landscape and what it means for multifamily investors. From oil prices surging past $110 a barrel to soaring construction costs, the hurdles for new development are getting higher.Key insights from this episode:The 21st Century Road to Housing Act: A breakdown of the Senate bill targeting institutional owners of single-family homes and why its 7-year forced-sale provision will heavily restrict the build-to-rent (BTR) housing supply.Operations vs. Acquisitions: Why Gray Capital is taking a highly defensive posture on property operations (prioritizing occupancy over rent bumps) while shifting to an aggressive stance on acquisitions as buyer competition thins out.Jargon Bin - Interest-Only (IO) Loans: How IO periods work, why lenders offer them, and how they provide crucial early-stage cash flow for real estate syndications.New Deal Teaser: A sneak peek at an upcoming, high-cash-flow multifamily investment opportunity in a highly desirable Midwest market.

Stephen Glickman is an actor, comedian, and voice artist known for playing Gustavo Rocque on the hit Nickelodeon series Big Time Rush. He quickly became a fan-favorite as the eccentric music producer guiding the band's rise to fame. Stephen also starred in Storks, Shrek the musical, and countless other productions.   Big thank you to FanDuel! check out the FanDuel app here: https://apps.apple.com/us/app/fanduel-sportsbook-casino/id1413721906   Episode 427   Welcome to THE JOE VULPIS PODCAST official YouTube channel! Hosted by Joe Vulpis,  also known as "Ugh It's Joe" and "The Joe". My guests range from rockstars and actors, to hit reality show stars and the largest influencers on the planet. Joe achieved internet notoriety with his unique witty Vlog style videos and passion for food. Amassing a total of more than 3,000,000 followers across social platforms, 500,000,000 Youtube views across his channels, and averages more than 100 million monthly views across all socials! Join the family and hit SUBSCRIBE to stay updated with the best conversations!   GHOST TAGS: Stephen Glickman, Big Time Rush, Gustavo Rocque, Nickelodeon, Big Time Rush interview, Stephen Glickman podcast, Gustavo Big Time Rush, BTR cast, Nickelodeon stars, comedy actor, Stephen Glickman interview, Big Time Rush reunion, BTR Gustavo, childhood TV shows, Nickelodeon 2000s, Stephen Glickman comedian, Hollywood interviews, actor podcast, TV comedy actors, Big Time Rush behind the scenes, Gustavo Rocque interview, Stephen Glickman stories, Nickelodeon legends, TV show producers characters, comedy podcast guest, actor life stories, entertainment interviews, viral podcast clips, Big Time Rush fans, nostalgic TV interviews

What happens when a multifamily CEO with 18,000 doors under his belt jumps into single-family… and says SFR is the bigger opportunity?!Dan French nearly went bankrupt during the Great Financial Crisis, slept in vacant units, ruined his credit for a decade, and used every lesson to eventually scale a multifamily platform from 2,500 to 18,000 doors. Now he's CEO of Northpoint, one of the largest SFR management companies in the country, and he's building something fundamentally different: separate divisions for scattered-site SFR, BTR, and small multifamily - all running on a shared platform.We discuss:(00:00:00) - Intro(00:01:45) - Dan's background and career(00:08:39) - Northpoint(00:14:54) - Sponsor - Enterprise Bank & Trust(00:16:18) - SFR following in the footsteps of multifamily(00:26:07) - The difference between BTR and SFR(00:30:47) - The division of labor in PM(00:34:28) - Sponsor - Haven AI(00:35:57) - How a PM would implement a BTR community(00:40:51) - Northpoint and their acquisition strategy(00:45:43) - Separating unit churn from revenue churn(00:50:27) - The melting iceberg problem(00:58:19) - Dan's experience with Crane(01:00:44) - The competitiveness of MF property management(01:04:26) - The lack of ‘scaffolding' in SFR(01:10:15) - Getting in touch with DanWe get into the "melting iceberg" problem that's killing PM roll-ups (and why most buyers underestimate churn), how to build a trust layer with owners that actually reduces churn, why he thinks tech is not a moat (and what is), and why the Innovator's Dilemma means SFR operators are better positioned to move upmarket than multifamily firms are to come down.Dan also shares his take on NRR vs. logo churn, the talent scaffolding gap between MF and SFR, and why North Point is keeping acquired brands intact instead of rebranding day one.Learn more and connect with Dan here: NorthpointLinkedinResources for Property Managers & Real Estate EntrepreneursCrane – Private PM Owner Community → Join a private network of property management owners and operators: https://joincrane.co/Free Weekly Newsletter → Property management insights, strategies, and industry updates direct to your inbox: https://peter.beehiiv.com/subscribeRL Property Management → Learn more about Peter's company and services in Columbus, Ohio: https://rlpmg.com/___Disclaimer: The content of this podcast is for informational purposes only and does not constitute professional advice. I may have consulting agreements with, or financial interests in, companies mentioned in this podcast. Additionally, some of the links included may be affiliate links, meaning I may earn a commission if you purchase through these links. Always perform your own due diligence before making any financial or business decisions.

How do you listen to a podcast without your husband knowing? Here’s a step-by-step guide for women who need truth, privacy, and peace. Have you ever thought, “I need help, but I don't want anyone to know I'm looking for it”? If so, this guide is for you. Maybe you've seen videos from Betrayal Trauma Recovery and want to dive deeper, but you're not sure how do you listen to a podcast, or how to do it privately—especially if your husband shares your devices, tracks your history, or even works with you. Don't worry. You're not alone. And you don't need to be tech-savvy to start. By the end of this article, you'll know: What is a podcast? How do you listen to a podcast safely and privately. How to subscribe to a podcast, including the Betrayal Trauma Recovery Podcast The best podcast apps for women in your situation When to listen to ensure you’re stay safe Why this podcast is different (and why it might change your life) Let's get started. What Is a Podcast? At its core, a podcast is like an on-demand radio show you can listen to any time, from anywhere—right on your phone, computer, or smart speaker. The Betrayal Trauma Recovery Podcast is a weekly show made for women who have just discovered her husband’s lies. Each episode is short (usually under 30 minutes), free to listen to, and 100% private. How to Listen to a Podcast (In 3 Simple Steps) You don't need a computer science degree or a secret burner phone. Here's how do you listen to a podcast without your husband knowing: Step 1: Choose a Podcast App If you have a smartphone, you're already halfway there. For iPhone users: Open the Apple Podcasts app (already installed on your phone) OR download Spotify for free from the App Store For Android users: Download Spotify from the Play Store OR download Youtube Music from the Play Store This app is discreet, free, and don't require you to sign in to start listening. Step 2: Search for the Podcast Open your app and search:“Betrayal Trauma Recovery”You'll see our podcast cover (usually with Anne Blythe's name on it). Tap it. Then tap “Follow” (or “Subscribe” depending on the app). Step 3: HOW DO YOU LISTEN TO A PODCAST: Stream or Download Episodes You can stream episodes instantly (if you have Wi-Fi or data)ORTap the download icon (a little arrow pointing down) to save an episode for later. Once you're done listening, you can delete it from the app. No trace. No history. 5 Ways HOW DO YOU Listen to a Podcast Without Your Husband Finding Out Here are a few extra privacy tips for those in sensitive situations: 1. Use Headphones or AirPods Even a single earbud can let you listen during chores, errands, or lunch breaks—without drawing attention. 2. Use Private Browsing Go to btr.org/podcast in an Incognito or Private browser window. That way, nothing gets saved to your search history. 3. HOW DO YOU LISTEN TO A PODCAST: Delete Your Listening History On most podcast apps, you can delete your playback or download history manually. (Quick Google search: “how to delete podcast history [app name]”) 4. Use a Hidden App Folder If you’re concerned about someone checking your apps, tuck Spotify or Apple Podcasts into a discreetly named folder—like “Utilities” or “Weather.” 5. Use Breaks Strategically Take a “walk to the mailbox” or a “cleaning the back room” break and press play. This is emotional self-care. Best Times to Listen To a POdcast (Even If You're Exhausted) You don't need an hour. Or even need total silence. You just need some laundry to fold. Try listening during: Morning routine (shower, makeup, coffee) School drop-off or pickup Folding laundry or doing dishes Grocery shopping (one earbud in your hoodie) Late at night when the house is finally quiet Even 10 minutes can calm your nervous system and help you feel seen. How to Leave a Review (So More Women Find Help) If Betrayal Trauma Recovery has helped you feel less alone, consider leaving a short review. It helps other women—maybe even one sitting in a salon storage closet on her break—find the support she desperately needs. Just open the app, go to the podcast's main page, scroll down, and tap “Write a Review.” The Podcast That Could Save Your Sanity If you're wondering what's really going on in your marriage… Or you've been blamed for your trauma… If you've spent hundreds (or thousands) on therapy that only made things worse… Or your wondering how to recover after infidelity… Start here:

Jason Reza Jorjani returns to BTR to break down the rapidly evolving situation surrounding Iran and what it could mean for the future of the region.We discuss the Iranian Lion and Sun protest movement, the government response, and the role played by the United States and Israel in shaping recent events. The conversation also explores the aftermath of the 12 Day War, the halted Rising Lion operation, and the strategic differences between Washington and Jerusalem.We also look at the future of the Iranian opposition, the role of Reza Pahlavi, and the growing debate around Iran, Persia, and the direction a post Islamic Iran could take in the years ahead.-Dr. Jason Reza JorjaniPh.D Philosophyhttps://www.youtube.com/@prometheism3174https://jasonrezajorjani.com/https://jasonrezajorjani.substack.com/Read Dr. Jorjani's new book "Thanosis"https://www.amazon.com/Thanosis-Jason-Reza-Jorjani/dp/1917646887/Lev Polyakov (Host & Editor / Animator)https://twitter.com/Levpohttps://levpo.substack.com/http://youtube.com/levpolyakov--Consider Supporting BTR by:Becoming a Parton: https://www.patreon.com/breaktherules

VOV1 - Đầu năm mới Bính Ngọ 2026, thời tiết thuận lợi, ngư dân xã biển Nam Trạch, tỉnh Quảng Trị (huyện Bố Trạch, tỉnh Quảng Bình trước đây) vươn khơi đón “lộc biển”.Từ sáng sớm, khu vực chợ cá ven biển xã Nam Trạch rộn ràng tiếng máy nổ của tàu thuyền, tiếng tiểu thương gọi nhau bán mua hải sản khi thuyền cập bờ. Hàng chục thuyền nhỏ nối đuôi nhau cập bờ biển bãi ngang mang theo nhiều mực tươi, cá cơm và nhiều loại hải sản khác. Ông Lê Văn Suối, ở xã Nam Trạch, tỉnh Quảng Trị phấn khởi khi chuyến ra khơi đầu năm đã nhận được “lộc biển”, có thêm hy vọng cho một năm mới đi biển gặp nhiều thuận lợi.“Đầu năm thuyền đi biển chỉ 1 ngày vào nếu thuyền đánh vừa thì 40kg- 50kg, thuyền nhiều thì được từ 1 tạ - 1,5 tạ, đầu năm được mùa mực nhưng lao động cũng rất vất vả. Có thuyền đi biển 3 ngày kiếm về được 40 triệu đồng- 50 triệu đồng, ai trúng nhiều thì 50 triệu đồng đến 60 triệu đồng”.Những mẻ mực tươi ngon vừa được ngư dân đánh bắt được

Where do UK developers go when their build-to-rent (BTR) schemes fail to attract institutional investors in good time? And what is the current state of the United Kingdom's individual buy-to-let residential market? Sam Smith, director of investment and partnerships at Property Hub Invest, explains all. (02/24/26)

In this powerful and deeply personal Race Industry Week by EPARTRADE conversation, Freddie “Fast Freddie” Spencer—three-time FIM Grand Prix World Champion and MotoGP Hall of Fame legend—shares his philosophy on mentorship, character-building, and creating opportunity in motorsports, with a special focus on women's racing.Rather than reflecting on his legendary career, Spencer shines the spotlight on the Royal Enfield Build. Train. Race. (BTR) program—one of the most impactful rider development initiatives in motorsports today.Now in its sixth year, BTR provides women riders from around the world with a fully funded, two-year racing and education program, combining hands-on mechanical training, elite riding instruction, and real championship racing on the MotoAmerica stage.

VOV1 - Du lịch cộng đồng, du lịch nông nghiệp đang mở ra hướng đi mới cho nhiều vùng quê, vừa tạo sinh kế bền vững, vừa gìn giữ bản sắc và không gian yên bình, vì thế ngày càng có nhiều người tìm về để trải nghiệm.Du lịch cộng đồng, du lịch nông nghiệp không chỉ tạo thêm nguồn thu cho người dân mà còn mở ra hướng phát triển mới cho làng quê trên nền tảng nông nghiệp và đời sống bản địa. Khi tổ chức du lịch gắn chặt với sản xuất, sinh hoạt và không gian văn hóa truyền thống, lấy nông dân làm chủ thể và khai thác hiệu quả những giá trị sẵn có, nông thôn sẽ có thêm động lực để phát triển bền vững, từng bước hình thành những làng quê hạnh phúc.Khách mời: Bà Trần Thị Bích Hạnh, Phó Giám đốc Trung tâm Xúc tiến Đầu tư, Thương mại và Du lịch tỉnh Lạng Sơn

BLLLUUUEEEEEEEEEEEE Monday and it's a new season to start 2026.It's been a heavy winter for the BTR boys, so we get back to basics and go full circle with a review of past year and a look to the year ahead.Between work and the domestics responsibilities there wasn't too much time for comic book shinanigan's. Luckily for us, Big Bry asks the right questions to get us back on track, W.W.S.D? “What would Statham do?”In anticipation of international superstar and “BTR: cooler than you'll ever be,” Jason Statham's new flick we talk more theoretical film titles and how they'd play out.Also… there's rumblings of an old rival… and he's gunning for The King of Beards.It's a slow burn hangout this episode. So go outside, stare up at the stars and take in the blue.Have you experienced the elusive and majestic energy of the Blue Tiger? Had a sighting in the wilderness of the eternal forest? Drank the blue milk of it's revenge? Then let the people know it exists!A note: The “NOW” is the resurgence of the independent creator through crowd sourcing and self-publishing availability. As the veil gets pulled back ever further and the predatory practices of corporate models get revealed, it is more and more important to support those who actually create the stories and art that we as consumers enjoy. So SUPPORT INDIE PROJECTS and their CREATORS. Help make the indies the mainstream. Even the smallest of gestures can be of the biggest help.Oh look, We've still got a shop and there's new designs and art prints! Bare the blue and seek your revenge: BTR shop! This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit bluetigerrevenge.substack.com

Growth may be booming across Georgia, yet getting new housing approved often feels like running an obstacle course designed by politics, not policy. Simon Bloom, founding partner of Bloom Parham LLP, joins Host Carol Morgan on the Atlanta Real Estate Forum Radio podcast to pull back the curtain on the zoning battles shaping what gets built, where and at what cost. During this episode on “Unbridled Politics,” he will discuss the political and procedural challenges shaping zoning and land use in Georgia. Drawing on decades of experience representing builders and developers, he explains why projects often get caught in red tape, why build-to-rent (BTR) housing is targeted and how Georgia's fragmented local government contributes to inefficiency and higher housing costs. How Politics and Public Input Affect Development Bloom emphasized that zoning decisions in Georgia are driven less by technical merit than by politics: “If a politician or public official wants your project, it’s going to go forward,” said Bloom. “And if he or she doesn’t, it isn’t. The merits sometimes get lost in just a matter of pure politics.” Developers face a range of hurdles, from rezoning denials to conditional-use permits and administrative slowdowns. Routine actions, such as delaying final plats or withholding building permits, can derail projects entirely. Litigation is sometimes necessary, not as a first resort, but to ensure local governments follow proper procedures. Public opposition adds another layer of complexity. Organized neighborhood groups and homeowners now have unprecedented access to local meetings through streaming platforms and social media. While this transparency increases accountability, it can also make officials more cautious, further complicating development efforts. Why Build-to-Rent Projects Face Extra Hurdles Build-to-rent (BTR) projects face particular scrutiny, even as the demand for affordable rental housing continues to grow. “The cities and counties that say they need affordable housing are doing everything in their power to make it unaffordable and causing gentrification,” said Bloom. “They are driving the folks that they want to be living in their communities out into ‘the sticks.'” Part of the paradox lies in administrative inefficiencies and local mandates that increase cost and complexity. For example, some counties require side-entry garages in high-density developments—a design choice that increases lot sizes and, in turn, raises prices for buyers and renters. Add to that the need for detailed engineering studies, repeated public hearings and permit fees, and BTR builders and developers face substantial “chase costs” long before construction begins. Legislative solutions to streamline zoning and clarify local requirements have progressed slowly. Efforts to limit local control over architectural standards or to prevent bans on BTR have made modest gains. State lawmakers often consider input from local governments, which influences the pace and scope of reforms. Meanwhile, impact fees—sometimes adding thousands of dollars to individual projects—remain a factor that can increase costs and create differences across communities. On a larger scale, Bloom identifies Georgia's large number of local governments as a source of inefficiency. The state has 159 counties and 500 cities, each with separate planning departments, zoning boards and codes. This patchwork of rules forces engineers, lawyers and developers to navigate vastly different requirements across municipalities, slowing housing production and driving up costs. Navigating the Zoning Landscape Bloom encourages builders and developers to engage early with district commissioners or council members and maintain transparent communication with neighbors and planning staff. Understanding how “district-friendly” voting works, where council members often follow the lead of their district commissioner, can help projects move forward more efficiently. Bloom said, “Without your district commissioner championing your rezoning, your chances of success are much lower.” Tune in to the full episode to hear Simon Bloom discuss how politics and local regulations shape Georgia housing zoning and to learn what builders and developers can do to navigate these challenges. Learn more about Bloom Parham LLP at https://BloomParham.com. About Bloom Parham LLP Bloom Parham provides business owners with the litigation and counsel needed to succeed in real estate and related business disputes, including property development, leasing and commercial transactions. Founded in 2007, the firm delivers high-quality legal support with the full range of services clients expect from a large firm, but in the accessible, personalized environment of a boutique practice. Clients build long-term relationships with trusted advisors who understand both their real estate ventures and unique legal challenges. With a commitment to exceptional results and a supportive workplace, Bloom Parham empowers clients while maintaining a strong presence in the community. Podcast Thanks Thank you to Denim Marketing for sponsoring Atlanta Real Estate Forum Radio. Known as a trendsetter, Denim Marketing has been blogging since 2006 and podcasting since 2011. Contact them when you need quality, original content for social media, public relations, blogging, email marketing and promotions. A comfortable fit for companies of all shapes and sizes, Denim Marketing understands marketing strategies are not one-size-fits-all. The agency works with your company to create a perfectly tailored marketing strategy that will suit your needs and niche. Try Denim Marketing on for size by calling 770-383-3360 or by visiting www.DenimMarketing.com. About Atlanta Real Estate Forum Radio Atlanta Real Estate Forum Radio, presented by Denim Marketing, highlights the movers and shakers in the Atlanta real estate industry – the home builders, developers, Realtors and suppliers working to provide the American dream for Atlantans. For more information on how you can be featured as a guest, contact Denim Marketing at 770-383-3360 or fill out the Atlanta Real Estate Forum contact form. Subscribe to the Atlanta Real Estate Forum Radio podcast on iTunes, and if you like this week's show, be sure to rate it. Atlanta Real Estate Forum Radio was recently honored on FeedSpot's Top 100 Atlanta Podcasts, ranking 16th overall and number one out of all ranked real estate podcasts. The post Simon Bloom: Unpacking Georgia Zoning Politics appeared first on Atlanta Real Estate Forum.

Despite the drumbeat of crash talk, the numbers tell a more nuanced story. Today's housing market isn't in freefall; it's recalibrating. Cara Lavender, senior research manager at John Burns Research and Consulting, joins Host Carol Morgan on the Atlanta Real Estate Forum Radio podcast to discuss where the housing market stands today and what builders and developers should expect as 2026 progresses. A Housing Market in Recalibration, Not Crisis Despite ongoing headlines predicting a housing crash, recent data tells a very different story. The current market environment is highly segmented, with affordability continuing to shape outcomes. First-time buyers remain constrained, while move-up and luxury segments are seeing more consistent activity. Rising inventory and softening prices reflect a recalibration, not systemic weakness. “We're still in a slow market, but we're seeing stabilization in a lot of areas,” Lavender said. “In no sense of the word are we seeing that we're on the verge of a “crash” when we look at all the data.” John Burns Research and Consulting forecasts average mortgage rates at around 6.6%, driven by normalization in the spread between the 10-year Treasury and the 30-year mortgage rate. While builders have been able to offset higher rates through aggressive buydowns, easing rates should provide more upside on the resale side, where demand has been more sensitive to borrowing costs. Nationally, the housing market remains structurally undersupplied by approximately 1.1 million homes, even as near-term supply has loosened across both new and resale markets. In metro Atlanta, resale supply currently sits around 4.3 months, a range traditionally considered healthy. How Affordability Is Shaping Buyer Behavior Affordability is a key factor in current market conditions, particularly as taxes and insurance continue to add pressure to monthly payments. Entry-level buyers remain highly payment-sensitive, while move-up buyers are increasingly returning to the market. “This is not a build-it-and-they-will-come market anymore,” she said. “Success is going to come from tightly refined offerings and really understanding who the buyer is in your market.” As resale sellers adjust pricing expectations, many move-up buyers—often sitting on significant equity—are finally able to make their next move. Buyers are making trade-offs, prioritizing efficiency and functionality over excess space, mirroring builders' efforts to value-engineer floor plans and control costs. Why Move-In-Ready Homes Are Winning Buyer preference for move-in-ready homes remains strong. According to John Burns’ research surveys, nearly 40% of resale listings require significant repairs or updates. “People don't want to put a new roof on. They don't want to redo flooring or kitchens,” Lavender said. “If sellers aren't willing to bring the price down, they're going to have to offer repairs or credits.” Homes that are well-located, competitively priced and turnkey continue to attract strong demand, while properties requiring work face longer marketing times and tougher negotiations. Build-to-Rent & the Changing Path to Homeownership As affordability challenges continue to delay first-time homeownership, build-to-rent (BTR) communities are playing an increasingly important role in the Atlanta housing market. These communities provide a longer-term rental solution for households that want the benefits of single-family living but are not yet ready or able to buy. Build-to-rent offers access to detached homes, private outdoor space and community amenities at a more attainable monthly cost, effectively bridging the gap between traditional apartments and homeownership. A “Boring” 2026 Outlook Looking ahead, John Burns Research and Consulting forecasts a gradual recovery in 2026, following several years of volatility across both new home and resale markets. While production levels and pricing are still expected to soften modestly in the near term, those declines are projected to be less severe than what the industry experienced throughout 2025. Lavender said, “Our 2026 forecast is kind of boring—and that's a good thing.” Tune in to the full episode to hear data-driven insights on today's housing market, affordability trends and what builders and developers can expect in 2026. Learn more about John Burns Research and Consulting at https://JBREC.com/. About John Burns Research and Consulting John Burns Research and Consulting provides data-driven insights across every housing sector, including new home construction, resale, single-family rental and build-to-rent. It helps companies make informed decisions and mitigate risk in order to identify opportunities in a complex market. From M&A projects to consumer surveys, the firm covers every aspect of the housing industry. Podcast Thanks Thank you to Denim Marketing for sponsoring Atlanta Real Estate Forum Radio. Known as a trendsetter, Denim Marketing has been blogging since 2006 and podcasting since 2011. Contact them when you need quality, original content for social media, public relations, blogging, email marketing and promotions. A comfortable fit for companies of all shapes and sizes, Denim Marketing understands marketing strategies are not one-size-fits-all. The agency works with your company to create a perfectly tailored marketing strategy that will suit your needs and niche. Try Denim Marketing on for size by calling 770-383-3360 or by visiting www.DenimMarketing.com. About Atlanta Real Estate Forum Radio Atlanta Real Estate Forum Radio, presented by Denim Marketing, highlights the movers and shakers in the Atlanta real estate industry – the home builders, developers, Realtors and suppliers working to provide the American dream for Atlantans. For more information on how you can be featured as a guest, contact Denim Marketing at 770-383-3360 or fill out the Atlanta Real Estate Forum contact form. Subscribe to the Atlanta Real Estate Forum Radio podcast on iTunes, and if you like this week's show, be sure to rate it. Atlanta Real Estate Forum Radio was recently honored on FeedSpot's Top 100 Atlanta Podcasts, ranking 16th overall and number one out of all ranked real estate podcasts. The post Cara Lavender: The Housing Market Isn't Crashing appeared first on Atlanta Real Estate Forum.

Growing a premium home service brand is not just about better marketing. It is about trust, craftsmanship, and building real relationships. In this special Member Spotlight episode of The Better Than Rich Show, host Mike Abramowitz sits down with Brian Danque, owner of The Lighting Lizards in Cocoa, Florida, to unpack how a design-focused approach to outdoor lighting is helping him scale with confidence.  Brian shares how he went from running an electrical contracting business to building a standout landscape lighting brand rooted in artistry, emotion, and client experience. He explains what separates true luxury outdoor lighting from box lights and quick installs, and why intentional design and how you treat people from the very first phone call create fans, referrals, and long-term growth.  Timestamps  [00:00] Intro Mike welcomes Brian and sets the stage for a Member Spotlight [01:23] From electrical contracting to lighting as an art form [02:20] Why lighting work creates emotion, pride, and extended living space [04:07] What makes luxury lighting different than handyman installs [04:45] Credentials that build authority certifications, publishing, and licensing [05:25] Scaling challenge delivering high-touch experiences at every price point [10:10] Brian's best year yet and growth levers that drove momentum [10:33] Freeing time through Better Than Rich support and adopting stronger principles [12:36] Bottlenecks before BTR tech stress, slow execution, and admin overload [13:25] Polished systems mindset and how the team accelerated implementation [16:12] 2026 vision: more help, more design focus, more partnerships [18:34] Year-over-year growth: 70% increase [19:22] Reviews and referrals relationships, humility, and being a real human [33:59] Better Than Rich means time back to live a joyful life [34:56] How to contact The Lighting Lizards [36:22] Brian's $10,000 idea: offload what you are not good at to grow faster  Key Quotes “It allowed me to be somewhat of an artist and use my imagination a little bit more.” “We're thinking about it as an image, as a piece of artwork.” “The numbers don't lie, and we are growing at a lot faster pace than I ever thought.” “Just being kind and humble to people is really what can help generate tons of business.” “What it means to me is to have time back in my life to do the things that I like to do and want to do.”  Key Takeaways  ● Luxury lighting is design, not placement — The difference is artistry, intention, and how immersive the final experience feels. ● Client experience starts at the first phone call — Make people feel appreciated immediately and confirm you're a good fit. ● Credentials create brand authority — Licensing, certifications, and published work help buyers choose confidence over cheap installs. ● Treat every client like your biggest client — A $5K job still deserves care, intention, and respect. ● Rebranding is costly—but can unlock premium growth — Early failures are part of the process; strong anchors + consistency build momentum. ● Admin overload quietly limits growth — Offloading systems and tech work can free you to focus on what you do best. ● Relationships drive reviews and referrals — When clients feel a human connection, they naturally become promoters. ● Investing in yourself creates the “hustle effect” — Making the investment forces action—and often returns far more than it costs. ● Surround yourself with the right rooms — Events, certifications, and peer groups recharge motivation and expand what you believe is possible. ● Better Than Rich is time and joy — Success isn't just money—it's having time back for family, hobbies, and the life you want.  Links Mentioned  ● The Lighting Lizards website and contact form ● AOLP Association of Outdoor Lighting Professionals ● International Landscape Lighting Institute ● Ryan Lee Landscape Lighting Secrets ● Better Than Rich BTR 

Rental penetration in waste and recycling is still just 3%, creating a massive opportunity for growth.In this episode, Zach Martin, CEO of Big Truck Rental, shares how his team educates the market, uses data and technology to build trust, and scales a specialty rental business in a traditionally ownership-driven industry. We also discuss why culture and people-first leadership are central to BTR's long-term success.

I want to thank all the Patrons who came out to the NYC Show with Jason on Monday & then joined for the Afterparty.As a reminder, by supporting BTR @ the $20+ Patron tiers, you are invited to watch these NYC shows in person as well as being invited to other NYC-based meetups. With your support, the greatest intellectual minds of our era will be brought together.Dr. Jorjani returns to NYC to talk the future of a Promethean Iran & Gotham!-Dr. Jason Reza JorjaniPh.D Philosophyhttps://www.youtube.com/@prometheism3174https://jasonrezajorjani.com/Read Dr. Jorjani's new book "Thanosis"https://www.amazon.com/Thanosis-Jason-Reza-Jorjani/dp/1917646887/Lev Polyakov (Host & Editor / Animator)https://twitter.com/Levpohttps://levpo.substack.com/http://youtube.com/levpolyakov--Consider Supporting BTR by:Becoming a Parton: https://www.patreon.com/breaktherules

Liên Hiệp Quốc đã lên án, các cuộc tấn công của Mỹ vào Venezuela hồi cuối tuần qua, là hành vi vi phạm trực tiếp Hiến chương Liên Hiệp Quốc. Trong khi cựu Tổng thống Venezuela Nicolás Maduro đang chờ phiên tòa tiếp theo tại New York, Bộ Trưởng Tư pháp Venezuela cùng nhiều người khác, kêu gọi công nhận quyền miễn trừ của ông Maduro theo luật quốc tế.

Get my new book: https://bronsonequity.com/fireyourselfDownload my new special report - How to Use Inflation to Your Advantage - www.bronsonequity.com/inflationJoin Bronson Hill and co-host Nate Hambrick on the Mailbox Money Show for an eye-opening look at Build-to-Rent (BTR) communities with Andy McMullen, co-founder of Legacy Acquisitions. With decades navigating real estate—from LA office deals to 2010s multifamily pivots—Andy now scales BTR projects for instant cash flow, skipping traditional development delays.Discover why BTR dominates today's market: merging single-family vibes with apartment perks in booming submarkets like Lafayette, LA, and Baldwin County, AL.From passive lending to hands-on development, Andy's straightforward playbook—built on relationships and tight processes—delivers mailbox money today and legacy-scale tomorrow. Pivoting from scattered singles or oversupplied multis? This episode is your no-nonsense roadmap through volatility.00:41 - Episode Intro01:28 - BTR Niche: Pivot from Multifamily/Single-Family02:04 - Andy's Background: Cycles to BTR Development03:39 - BTR Trend: Clustered SFH Amenities04:35 - Tax Benefits: Avoid Gains via Hold Strategy04:53 - Cash Flow Model: 10-14% Lender Guarantees06:20 - Lender Structure: Personal Guarantees, Judgments07:54 - Blended Equity: Depreciation Post-Stabilization09:16 - Financing: Horizontal to 6% Permanent Rates10:06 - Submarkets: Secondary Growth Areas12:02 - GC Management: Working Genius Assignment13:39 - Incentives: Premiums Over Penalties15:12 - On-Site Engagement: Relationships with Workers15:44 - Community Officer: Referrals and Oversight16:27 - Rate Lock-In: 60% Sub-4% Loans Stagnate Inventory17:56 - Blended Classes: Loan + Backend Equity20:21 - Creative Financing: Subject-To, Owner Carry21:51 - Crisis Opportunity: Danger + Pivot22:26 - Success or Seminar: Learn from Losses23:23 - Disguised Growth: Pain + Reflection24:06 - Arena Mindset: Control Process, Not Results25:17 - Resilience: Firing as Growth Lesson26:07 - JFK: Pray to Be Better, Not Easier28:41 - Leverage Law: Choose Your Hard30:44 - Energize Focus: Transformational Tasks32:52 - Connect with AndyCONNECT WITH THE GUESTWebsite: https://legacyacquisitions.com/#BuildToRent#RealEstateNiches#CashFlowInvesting#InvestorResilience#DevelopmentFinancing#MindsetShift#SecondaryMarkets

In this episode of The Distribution, Brandon Sedloff sits down with Jeff Beckham to discuss building institutional real estate platforms, generating operational alpha, and scaling founder-led investment firms. Jeff walks through his career from investment banking to global real estate investing and explains how those experiences shaped his approach as Chief Investment Officer at Buckingham. The discussion dives deep into Buckingham's focus on the living sector, vertical integration, and why discipline and process matter most in today's market environment.  They discuss: • Jeff's career path from Morgan Stanley to leading investment platforms across Europe and the US • Why Buckingham focuses exclusively on the living sector across multifamily, student housing, build-to-rent, and active adult • How vertical integration across development, construction, and property management drives operational alpha • The investment case for Midwest, Southeast, and Mountain West markets versus coastal markets • Balancing entrepreneurial deal-making with institutional processes, accountability, and scale Links: Buckingham Companies - https://buckingham.com/ Jeff on LinkedIn - https://www.linkedin.com/in/w-jeffrey-beckham-2ab2712/ Brandon on LinkedIn - https://www.linkedin.com/in/bsedloff/ Juniper Square - https://www.junipersquare.com/ Topics: (00:00:00) - Intro (00:04:54) - Jeff's career journey (00:12:20) - Joining Buckingham and real estate insights (00:19:51) - Buckingham's investment strategy (00:28:45) - The appeal of build-to-rent (BTR) housing (00:29:43) - Investment strategies in the living sector (00:31:18) - Challenges and opportunities in the living sector (00:35:47) - Operational focus and deal sourcing (00:38:57) - Role and responsibilities of a CIO (00:44:09) - Building systems for future growth (00:46:37) - Balancing immediate and long-term goals (00:52:29) - Excitement for future opportunities (00:53:55) - Conclusion and contact information

In this end-of-year special, Sean takes listeners through the defining moments of 2025, unpacking the events, fights, and fighters that shaped the year from opening bell to final bell. He revisits the biggest nights, the turning-point bouts, and the performances that shifted divisions—highlighting not just what happened, but why it mattered. Sean breaks down key matchups round by round, reflects on breakout stars and veterans who rewrote their narratives, and addresses the controversies and surprises that kept the year unpredictable. Beyond the fights themselves, Sean steps back to give his honest, big-picture thoughts on BTR in 2025—how the platform evolved, what it got right, where it grew, and what lessons the year offered. He talks about the direction of BTR, the conversations it sparked, and how the show's voice and community developed alongside the sport. It's a reflective, opinionated close to the year that blends analysis, storytelling, and Sean's unfiltered perspective on everything that made 2025 unforgettable. Learn more about your ad choices. Visit podcastchoices.com/adchoices

【聊天的人】 Btr（作家、译者、播客《上海胶囊》主播） 孙哲（上海财经大学社会学系副教授、播客《社会学人》主播） 关雅荻（狂喜播客节创始人、播客《开放对话》主播） 梵一如 【制作】 番薯剥壳工作室（Yakimo Studio）

A candid 2025 recap with Destaney and Alex on what it actually took to scale BTR, from investing in A-players and internal tech to protecting culture in a fast-moving industry. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Adam Wolfson is the founder, CEO, and CIO of Wolfson BTR, a premier Build to Rent company known for helping pioneer BTR investment and development at scale. With more than 20 years of real estate experience, including leadership roles in single family rentals, he has grown the firm to a pipeline of nearly 2,000 units with an estimated $1 billion exit valuation, placing it among the top BTR developers in the U.S. Adam holds an MBA from George Washington University and a BA from the University of Michigan, and lives in Miami with his two sons.   Here's some of the topics we covered:   From commercial real estate to dominating Build to Rent How BTR deals actually get off the ground Navigating local governments without killing the deal The smartest Build to Rent strategies that really work America's housing crisis and why BTR is booming The hottest Build to Rent markets investors are chasing What it truly takes to win in Build to Rent How massive the Build to Rent opportunity really is   To find out more about partnering or investing in a multifamily deal: Text Partner to 72345 or email Partner@RodKhleif.com    For more about Rod and his real estate investing journey go to www.rodkhleif.com   Please Review and Subscribe  

Jeff Feinstein joins host Brandon Sedloff on The Distribution for a deep dive into the evolution and future of opportunity zone investing. The conversation traces Jeff's path from a decades-long career in technology to building Pinnacle Partners, a firm dedicated exclusively to opportunity zone development. Jeff explains how tax policy shaped his investing journey, why OZ legislation has become a powerful tool for individual investors, and how Pinnacle structures institutional-quality multifamily and build-to-rent projects across thousands of eligible zones. Throughout the discussion, he highlights the mechanics, benefits, risks, and real-world execution behind ground-up OZ development. They discuss: • Jeff's transition from tech operator to real estate fund manager and OZ pioneer • How opportunity zones were created, how they work, and what changed under OZ 2.0 • Why Pinnacle focuses on institutional underwriting, JV partnerships, and multi-asset funds • The role of RIAs, family offices, and private wealth in OZ distribution • What makes a strong or weak development partner in OZ projects • Key risks, real estate fundamentals, and why policy permanence matters • Markets and asset types Pinnacle favors, including workforce housing, BTR, and rural zones Links: Pinnacle Partners - https://pinnacleoz.com/ Jeff on Linkedin - https://www.linkedin.com/in/jefffeinstein/ Brandon on LinkedIn - https://www.linkedin.com/in/bsedloff/ Juniper Square - https://www.junipersquare.com/ Topics: (00:00:00) - Intro (00:02:48) - Jeff's career and background (00:08:30) - The role of tax policy in investing (00:11:09) - The launch of Pinnacle Partners (00:13:51) - The evolution of opportunity zones (00:17:07) - How opportunity zones are created (00:20:20) - Pinnacle Partners' strategy and success (00:23:37) - Pinnacle Partners' approach to development (00:25:19) - Capital strategy and fund structure (00:26:46) - Who benefits from opportunity zones? (00:30:25) - Strategies for nurturing investor relationships (00:31:34) - The importance of tax efficiency (00:37:29) - Challenges and opportunities in real estate (00:40:20) - Selecting and evaluating development partners (00:44:26) - Future market trends and investment strategies (00:48:59) - Conclusion and contact information

Built-to-rent communities are booming—even as single-family rent growth slows. In today's episode, we explore the connection between rising BTR construction, institutional investment, and easing rent prices across the U.S. housing market. We'll break down the advantages and risks of investing in BTR, how mom-and-pop landlords can stay competitive, and what the latest supply trends mean for future rent growth. Learn more about your ad choices. Visit megaphone.fm/adchoices