Podcasts about colorado springs

Today Eddie and I get to keep talking about how much is going on in the world right now and just how hard it is for all of us to wrestle with it. We also talk about my ceiling falling in during the ice storm in Nashville! Our "7 minutes of serious" turned into closer to 47! But don't worry, we of course had to wrap things up by chatting for a bit about Oscar nominations, Zootopia 2, and the first movie we ever remember seeing. Also... THE BUDDIES TOUR DATES AND CITIES HAVE NOW BEEN ANNOUNCED! We're coming to: Keller (Fort Worth), Texas on Friday, May 15th Colorado Springs, Colorado on Saturday, May 16th Charlotte, North Carolina on Friday, June 5th Trussville (Birmingham), Alabama on Friday, June 12th And maybe more…stay tuned! You can find the dates and details at thebuddiestour.com and because you're a podcast listener you get pre-sale access to tickets TODAY!!! Just use the code BUDDIES and get your tickets at thebuddiestour.com. We cannot wait to see you there! . . . . . Want to watch this episode? Watch on your Spotify App, or head on over to our YouTube Channel and be sure to like and subscribe!  We have a Substack now! Find it at spirituallystronger.com. Sign up to receive the AFD Week In Review email and ask questions to future guests! . . . . . Thank you to our sponsors! Our Place:  Visit fromourplace.com/TSF and use code TSF for 10% off sitewide. With a hundred-day risk-free trial, free shipping and returns, you can experience this game-changing cookware with zero risk. Shopify: Sign up for your one-dollar-per-month trial and start selling today at Shopify.com/soundsfun⁠. Capstone Wellness: Learn more at capstonewellness.com/thatsoundsfun. Ritual: Save 25% on your first month at Ritual.com/THATSOUNDSFUN. NYTimes bestselling Christian author, speaker, and host of popular Christian podcast, That Sounds Fun Podcast, Annie F. Downs shares with you some of her favorite things: new books, faith conversations, entertainers not to miss, and interviews with friends. #thatsoundsfunpodcast Learn more about your ad choices. Visit megaphone.fm/adchoices

**Apologies for the echo at the beginning of the recording** On this week's podcast, Bob and Kevin discuss the recent announcement from Colorado Springs Parks, Recreation and Cultural Services Department (PRCS) regarding cuts being made to city parks amenities, services and maintenance due to a lack of funding. They lament how elected officials, and not the PRCS staff, are to blame for the cuts and how elected officials talk a lot about how important parks are, until tough decisions have to be made and then the parks department gets hit hard. They talk about the history of the parks department being the victim of unreasonable cuts and how funding never seems to get back to where it was prior to the cuts. Bob calls out the Colorado Springs mayor for not even mentioning anything the parks department did in his 2025 list of city accomplishments and he lauds the PRCS staff for continuing to do their jobs for a seemingly unappreciative city government. Bob challenges any elected official who wants to discuss the cuts to come on the show and set the record straight. Please consider becoming a patron of this podcast! Visit: https://www.patreon.com/hikingbob for more information Hiking Bob website: https://www.HikingBob.com Wild Westendorf website: https://wildwestendorf.com/ Where to listen, download and subscribe to this podcast: https://pod.link/outdoorswithhikingbob

James Golka was recently elevated from Bishop of Colorado Springs to replace the retiring Archbishop of Denver, Samuel J. Aquila. He joins Dan for his first media interview since the appointment.See omnystudio.com/listener for privacy information.

James Golka was recently elevated from Bishop of Colorado Springs to replace the retiring Archbishop of Denver, Samuel J. Aquila. He joins Dan for his first media interview since the appointment.See omnystudio.com/listener for privacy information.

Michelin "inspectors" are visiting the state, and it's expected that they'll hit Colorado Springs this time around.

Colorado State Patrol will be out in full force on Wednesday patrolling I-25 from Colorado Springs all the way to Greenwood Village! They'll be looking to pull over any driver speeding, driving while distracted and drivers who don't move over for vehicles on the side of the road.

What happens when purity culture and diet culture collide? In this episode, Laura Anderson and Andrew Kerbs sit down with writer Ashley Dunston to unpack the complicated overlap between evangelical theology, fat phobia, and body shame. Ashley shares her story of growing up in Colorado Springs during the peak of 1990s and early 2000s purity messaging, navigating intense pressure to present a “perfect” family image, and being pushed into gastric bypass surgery at just 19 years old. After losing 100 pounds in a year, she faced not only the physical consequences but the emotional and spiritual fallout that followed.Together, they explore how phrases like “your body is a temple” became tools of control, how food and weight were moralized in church spaces, and why purity culture often excluded or invisibilized girls who did not fit a narrow beauty standard. The conversation moves through grief, bodily autonomy, medical fat phobia, and the painful unraveling of a faith identity that once felt essential. Ashley also reflects on healing, learning to trust her body again, reclaiming desire as strength rather than weakness, and the hope she sees in younger generations finding more diverse and affirming representations of their bodies.Guest Info: Website: AshleyDunstonWriter.comSocial Media: Instagram: @ashley_dunston_writer, https://substack.com/@ashleydunstonwriterThis podcast is brought to you by the Center for Trauma Resolution and Recovery: an online trauma coaching company whose practitioners are trauma informed and trauma trained to work with individuals, couples and families who have experienced high control religion, cults, and religious trauma. For more information on the support that CTRR provides, for resources–including courses, workshops, and more–head to traumaresolutionandrecovery.com or follow us on Instagram: @traumaresolutionandrecovery The views and opinions expressed by Sunday School Dropouts are those of the hosts and not necessarily reflect the official policy or position of the Center for Trauma Resolution and Recovery. Any of the content provided by our guests, sponsors, authors, or bloggers are their own ideas and opinions.The Sunday School Dropouts podcast is not anti-religion but it is anti -harm, -power and control, -oppression and, -abuse and will speak to the harmful practices and messaging of fundamentalist groups. Follow Andrew on Instagram @andrew_kerbsFollow Andrew's post-SDA account @lifeafteradventismFollow Andrew's account on neurodivergence and high control religion @divergent.faith Join Andrew's Substack (Kerb Your Enthusiasm) www.andrewkerbs.substack.com To begin working with Andrew as a coach, schedule your FREE inquiry call hereFollow Laura on Instagram and TikTok @drlauraeanderson or on her website: www.drlauraeanderson.com Join Laura's Substack (Therapy in the Headlines) www.drlauraeanderson.substack.com To work with Laura as a coach, therapist, consultant, or to inquire about other services, you can do so hereHosts: Laura Anderson and Andrew KerbsMusic by Benjamin Faye Music @heytherebenji 

(This podcast was previously published on April 16, 2021)   Jesus Ministries, Joan Boney  ...   After we are born again by the Spirit of God, God seals us with HIS Spirit, and HIS Holy Spirit lives in us to show us the will of God as we continue in this present life.   Ephesians 1:13 In whom ye also trusted, after that ye heard the word of truth, the gospel of your salvation: in Whom also after that ye believed, ye were sealed with that holy Spirit of promise,   Jesus says:   John 14:26 But the Comforter, which is the Holy Ghost, whom the Father will send in MY name, HE shall teach you all things, and bring all things to your remembrance, whatsoever I have said unto you.   He brings to our mind scriptures and concepts to show us the way of God as we deal with our present decisions in this life.   John 16:13   Howbeit when HE, the Spirit of truth, is come, HE will guide you into all truth: for HE shall not speak of Himself; but whatsoever HE shall hear, that shall HE speak: and HE will shew you things to come.   The Holy Spirit lives inside each believer and HE is always with us to help us in the ways of God.   I Corinthians 3:16 Know ye not that ye are the temple of God, and that the Spirit of God dwelleth in you?   The Holy Spirit of truth is a great help to us and a great comforter and assurance, especially in times of change.   Often even before the change, God prepares us for the change by giving us information from the Holy Spirit to show us things to come.   This Podcast tells of such a change and the ways God prepared me by HIS Spirit.   *****   I lived many years alone, by myself, in a house in Texas.   In 2018, I could still drive my car and go to grocery store and prepare my meals.  But I began feeling that I no longer wanted to live alone.   I had a large house in Texas, but I began to desire having a smaller living space with fewer responsibilities.   On December 6, 2018, I fell at my house in Texas.  As the ambulance workers rolled me past the front door of my house, the Holy Spirit brought to my mind the following information.  "You'll never see this house again."   I knew immediately this was information from God.  It did not trouble me at all.  I knew God had another plan for me and I was happy to go the way of God for I had experience with God and knew this would be a better way to live.   I put my house in Texas up for sale even while I was in the hospital.   At that time, I didn't know where I would be going but I believed I would never see the Texas house again.  I had no concern at all.   A few times in the months before I fell, I thought of moving to Colorado Springs.  One of our church women lives there and we work together on the church blog and ministry books, and I thought it would be good to live where she lives, in the same city.  (I suspect it was God planting this in my mind to cause me to go in peace when the plan unfolded in the next few months.)   John 13:16   Jesus says:  Howbeit when HE, the Spirit of truth, is come, HE will guide you into all truth: for HE shall not speak of Himself; but whatsoever HE shall hear, that shall HE speak: and HE will shew you things to come.   (God was guiding me step by step into all truth and God was showing me things to come.)   During the 2 1/2 months in the rehabilitation hospital in Texas, the plan unfolded for me to move to Colorado Springs and to live in the home of Pam Padgett, a member of the body of Christ.   Because of all those things put into my heart by God, I had no doubt at all about this plan.   God prepared me for a very big change, and it was really good, and worked out great!   I don't think it would have been as easy without the work of the Holy Spirit in showing me step by step the way of God for me.   The Holy Spirit is the Spirit of Truth and the comforter to the people of God.  And HE shows us the will of God and that is all that really matters.  If we know this is the will of God for us, we go forth with great assurance.   Isaiah 55   8 For MY thoughts are not your thoughts, neither are your ways MY ways, saith the LORD.   9 For as the heavens are higher than the earth, so are MY ways higher than your ways, and MY thoughts than your thoughts.   10 For as the rain cometh down, and the snow from heaven, and returneth not thither, but watereth the earth, and maketh it bring forth and bud, that it may give seed to the sower, and bread to the eater:   11 So shall MY word be that goeth forth out of MY mouth: it shall not return unto ME void, but it shall accomplish that which I please, and it shall prosper in the thing whereto I sent it.   12 For ye shall go out with joy, and be led forth with peace: the mountains and the hills shall break forth before you into singing, and all the trees of the field shall clap their hands.   13 Instead of the thorn shall come up the fir tree, and instead of the brier shall come up the myrtle tree: and it shall be to the LORD for a name, for an everlasting sign that shall not be cut off.  

Southgate Campus 

Have you ever tried to justify your anger?In this message from the Sermon on the Mount, Pastor Aaron Pennington walks through Matthew 5 and Jesus' teaching on anger, reconciliation, and what grows in our hearts.Jesus makes it clear that God is not only concerned with outward actions but what we allow to take root inside of us. Anger, bitterness, resentment, and unforgiveness do not stay hidden. What fills the heart eventually comes out through our words and actions.This message explores:• What Jesus really meant in Matthew 5:21–26• The difference between righteous anger and sinful anger• How unresolved anger damages relationships• Why forgiveness is central to the Gospel• Practical steps to uproot bitterness before it growsIf you have ever struggled with anger, rage, resentment, or unresolved hurt, this message is for you.Join us as we continue our Sermon on the Mount series and learn how to live as salt and light in a world that desperately needs grace.

Mike and Amanda Bristol started brewing beer in their home in North Florida in the early 90s. But soon beer transitioned from a hobby to a vocation when they opened Bristol Brewing here in Colorado Springs. When the nearby Ivywild School announced it was closing, the pair helped rescue the neighborhood centerpiece and turned it into the space we know today. Now offering a variety of food and craft beverage options, Ivywild continues to act as a community gathering space. Visitors can take a nostalgic stroll through familiar school hallways – hearing echoes and creaks of students' past, all while sipping a beer. Be sure to subscribe so you don't miss our next episode! Send any questions or inquiries to Media@VisitCOS.com.  Episode links:  @BristolBrewing BristolBrewing.com VisitCOS.com/Wellness

Join us as we spend this week soaking in the Holy Spirit!Lead Pastor, Josh Hawk, give Rock Family Church vision for the future!Join us every Sunday online or in-person at 9:00am & 11:00am. 4005 Lee Vance Vw, Colorado Springs, CO 80918 Website: rockfamilychurch.com Connect Card: https://rfc.churchcenter.com/people/forms/528074 Prayer Requests: https://www.rockfamilychurch.com/prayer-request Start Serving: https://rfc.churchcenter.com/registrations/events/category/92573 Join a Small Group: https://rfc.churchcenter.com/registrations/events/3287086 Facebook: facebook.com/rockfamilychurch Instagram: instagram.com/rockfamilychurch Tik Tok: tiktok.com/@rockfamilychurch Youtube: youtube.com/@RockFamilyOnline#ColoradoSpringsChurch #Faith #Jesus #Worship #ChurchOnline #SundayMessage

Most solopreneurs don't fail because they lack skill. They stall because they stay private.In this episode, Carly shares a powerful takeaway from a women's solopreneur retreat in Colorado Springs: the moment you say your business idea out loud is the moment it becomes real.Because when no one knows what you're building, no one can help you build it.You'll learn the three essential types of community every solopreneur needs, not just for emotional support, but for growth, opportunity, and momentum.If you've ever felt stuck, invisible, or like your business isn't gaining traction, this episode will show you why, and how to change it.Key Takeaways:• Why saying your business idea out loud accelerates growth• The 3 types of community every solopreneur needs• How community creates momentum, opportunity, and referrals• Why keeping your business private slows your progress• How to build meaningful connections, even if you're just starting• Why community must be reciprocal, not transactionalThis episode is especially valuable for solopreneurs who want more momentum, clarity, and growth, without hiring employees or scaling traditionally.Remember: flying solo in business doesn't mean you're alone.Subscribe & ReviewIf this episode helped you, please leave a review! Reviews help us reach more solopreneurs and continue bringing you actionable insights each week.FAQsWhy is community important for solopreneurs?Community helps solopreneurs gain perspective, referrals, support, and opportunities they cannot create alone. Without community, growth is slower and more difficult.What are the three types of community solopreneurs need?Solopreneurs need sustaining community (support), stretching community (growth), and scaling community (opportunity and connections).How do solopreneurs build community?Start by sharing your business idea out loud, saying yes to conversations, helping others first, and building relationships over time.

Come see Fandomonium LIVE in Colorado Springs on March 13thWhat the hell did I just watch, and why am I suddenly protective of my banana? It's time for our annual jaunt into the world of anime!Chris, Drew and Julia were joined by special guest player Cory Scott! A professor, but not a professor of anime.Support our PlayersListen to Tune Titans - A live improvised musical!Come see Tune Titans LIVE at the Peak Improv TheaterListen to Carrying WaywardBook Drew for VA/VO roles!Listen to The Teamup Playshow PodcastCheck out Cory's art and work @ coryscott.gayWe are an ad and listener supported podcast, but mainly listener supported. Consider supporting our production over at patreon.com/gateleapers. All supporters get ad-free audio episodes. Premium supporters get video recordings + our bonus monthly live comedy gameshow Slidesplitters!Do you have a suggestion for a fandom we've not yet covered? Are you a comedian, creative or performer who would like to be a guest on our show? Get in touch! gateleapers@gmail.comMusic: BoucheDag by Alexander Nakarada (serpentsoundstudios.com)Licensed under Creative Commons BY Attribution 4.0 Licensehttps://creativecommons.org/licenses/by/4.0/Become a supporter of this podcast: https://www.spreaker.com/podcast/gateleapers-a-fandom-gameshow--5150861/support.

It's Tuesday, February 17th, A.D. 2026. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Kevin Swanson and Timothy Reed 90,000 Nigerians displaced due to Islamic violence More than 90,000 Catholic Nigerians have been displaced in the Southern Taraba State since September 2025, reports International Christian Concern. According to the Catholic Diocese of Wukari, over 100 people have been killed and thousands more wounded in that same time frame. U.S. funds United Nations, Dept of Ed, and Nat'l Institutes of Health The Trump administration is still funding the United Nations.  President Donald Trump approved another $3 billion dollars to the international organization in early February, according to Reuters.  The U.S. has averaged $2.5 billion dollars of funding each year for the United Nations, over the last twenty years.  America joined the United Nations back in 1945, and is its largest donor.  And, despite vowing to close down the U.S. Department of Education during his campaign, the president has signed a government funding bill that will jack up the Education Department budget 2025 levels by $217 million for a total of $79 billion. That's $12 billion more than the administration's original request. Plus, the National Institutes of Health gets another increase of $415 million over Fiscal Year 2025. In total, $48.7 billion of taxpayer money will keep this bureaucracy alive and flourishing. Republican states take action to cut property taxes Several Republican-majority states are working to reduce and eliminate property taxes for citizens. North Dakota, Florida, Georgia, Indiana, and Texas have made progress. Plus, Tennesseans will consider a ballot measure this November to eliminate the property tax. Several states are also working to trim or fully end state income taxes, with nine states having zero income tax in 2026.  One-third of young women call themselves homosexual or transgender The Gallup polling organization released new numbers on Americans identifying with a list of sexual perversions.   Now, 9% of U.S. adults call themselves sexually perverted, up from 7% in 2023, and 3.5% in 2012. The increase has occurred with the younger generation primarily. Now, almost a quarter of 20-somethings and roughly one-third of young women call themselves homosexual or transgender. Also, 10% of the 30 to 49-year-olds claim these perverse identities. Transgender murderers kill at 10 times rate of general population As The Worldview reported on February 12, the mass murderer held responsible for perpetrating Canada's worst school shooting in recent history was a man pretending to be a woman, reports LifeSiteNews.com. Jesse Van Rootselaar killed his mother and seven others, and wounded 27, before killing himself in the massacre in a remote town in British Columbia. Another man pretending to be a woman, Robert Westman, was the perpetrator at the Annunciation Catholic School shooting last August. At least five other mass-casualty shootings are attributed to men and women attempting to change their gender. That includes the Aberdeen, Maryland Rite Aid shooting, the STEM School killings in Denver, Colorado, the Club Q massacre in Colorado Springs, Colorado, and the Covenant School massacre in Nashville, Tennessee. Also, the Iowa Perry High School perpetrator appeared to be pushing the transgender agenda. A recent study from National Review found that transgender suspects participate in mass shootings at a rate of 10 times that of the rest of the population. Alabama's Governor signs Child Predator Death Penalty Act Alabama Republican Governor Kay Ivey signed the Child Predator Death Penalty Act into law late last week, reports WVTM13.  This law assigns the death penalty to crimes of first-degree rape, first-degree sodomy, and first-degree sexual assault of victims under age 12. Biblical law assigns a serious penalty to those who kidnap or seize people against their will. Exodus 21:16 says, “Now one who kidnaps someone, whether he sells him or he is found in his possession, shall certainly be put to death.” Kansas governor vetoes law to keep boys out of girls spaces Kansas Democratic Governor Laura Kelly  vetoed a bill passed by the Kansas legislature that would have kept biological males out of women's bathrooms.  The bill would have prosecuted any men, pretending to be women, who trespass in women's spaces, on repeated offenses. Hopefully, the state legislature will override the veto, given that the Republican Party holds a two-thirds majority in both houses.   So far, 20 states have passed laws that ban men from invading women's spaces. Proverbs 17:13 reminds us, “Whoever rewards evil for good, evil shall not depart from his house.” Puerto Rico affirms value of human life from conception Puerto Rico Governor Jenniffer González-Colón  signed a bill that affirms the humanity and dignity of an unborn child, from the moment of conception.   Governor González-Colón said the bill “classifies as first-degree murder the intentional and knowing killing of a pregnant woman, resulting in the death of the unborn child at any stage of gestation within the mother's womb.” This was passed mainly for purposes of homicide and criminal law. While this personhood law does not automatically ban abortion outright in Puerto Rico, pro-lifers are hopeful it will pave the way for future legal protections of unborn babies. 47% of Americans think visitors from other planets have visited Earth  (theme from the movie E.T.) Interest in extraterrestrials and UFOs is at an all-time high in the United States. A “Yougov” survey found 47% of Americans believe extraterrestrials have visited the Earth. Former President Barack Obama says ET's probably exist. But he clarified on Instagram that, “I saw no evidence during my presidency that extraterrestrials have made contact with us.” Pokemon card sells for $16 million And finally, a trading card has netted the highest private sale amount in history.  A Pokeman card took in over $16 million over the weekend. That beats the last world record sale of a 1952 Mickey Mantle baseball card, which sold for $12.6 million in 2022. There were only 41 of this particular Pokemon card produced in 1998. That compares to 75 billion Pokemon cards printed in 2025. Pokeman is a game wherein the players play-act the harnessing of the power wielded by demons or monsters. Close And that's The Worldview on this Tuesday, February 17th, in the year of our Lord 2026. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ. Extra print stories United States military strikes ISIS in Syria The US military conducted strikes on more than 30 ISIS targets in Syria since the beginning of February.  According to US Central Command, or CENTCOM, the attacks "struck ISIS infrastructure and weapons storage targets with precision munitions delivered by fixed-wing, rotary-wing, and unmanned aircraft." CENTCOM Commander Brad Cooper said, “Striking these targets demonstrates our continued focus and resolve for preventing an ISIS resurgence in Syria. Operating in coordination with coalition and partner forces to ensure the enduring defeat of ISIS makes America, the region and the world safer."  More than 50 ISIS terrorists have reportedly been killed in the past couple of months by the United States military. Tensions remain high between the US and the Middle East, with all eyes on potential military action in Iran.  US House passes SAVE Act The U.S. House of Representatives passed the Safeguard American Voter Eligibility Act requiring those who vote in American elections to provide proof of citizenship. The bill passed 218-213, with every House Republican voting in favor of the measure. Texas Democrat Henry Cuellar also crossed the aisle to vote for the law. The law is touted by Republicans as a simple way to secure American elections and to eliminate cheating and foreign influence. Americans also overwhelmingly favor the requirement of a photo ID to cast a vote. However, the bill faces a hard road in the Senate, with Republicans holding only 53 seats, but needing 60 votes to pass the SAVE Act. Psalm 67:4 says, “O let the nations be glad and sing for joy: for thou shalt judge the people righteously, and govern the nations upon Earth.”

Something shifted in January — and this January 2026 Denver real estate market update breaks down exactly what’s happening. Rents are resetting to 2018 levels. A third of all available apartments were built in the last decade. Colorado now ranks 5th nationally for outbound moves. 55% are leaving the state — the highest since 1990. Landlords across the Front Range are holding rents flat or cutting them just to keep units filled. But here’s what most people are missing — this same pressure is creating buying opportunities that haven’t existed in over a decade. Chris Lopez sits down with his monthly market panel. Troy Howell with Nova Home Loans, Jeff White with Envision Advisors, Jenny Bayless covering Colorado Springs, and Shawn Riley from KeyRenter Denver all join the conversation. The group digs into the numbers. They share what they’re seeing firsthand from their own portfolios, clients, and deal flow. Things get real when Chris reveals a fourplex across the street from his own just sold at his 2018 purchase price. That confirms what the data has been showing about multifamily. Then the panel unpacks a $30 million foreclosure on four central Denver apartment buildings. Zero bidders showed up at auction. Colorado residential land now averages $942,200 per acre — up 174% in a decade. That’s why starter homes have disappeared entirely. And Shawn Riley shares that rents on condos and townhomes are down 7-10%. Apartments are offering up to three months free rent, making it brutal for older inventory to compete. In This Episode We Cover: Colorado Springs hits 4.5 months supply — officially tipping into a buyer’s market while prices hold mostly steady Why Denver inventory is building 7-8% year over year and new construction spec homes still aren’t moving even with builder-subsidized 4% rates The rental market resetting to 2018 levels and why landlords are holding rents flat to avoid costly turnover Section 8 developments including Denver paying 120% of fair market rents but freezing new voucher issuance and rent increases Room by room rental demand softening — what co-living operators need to know heading into spring Why the panel says this is Colorado’s first real buyer’s market in a decade and the 1031 exchange strategy to capitalize on it The new Fed chair nomination and what rate improvements of 0.50-0.75% from last year mean for refinance opportunities If you’ve been waiting for a 2026 Denver real estate market update that actually tells you where the deals are, this is it. Whether you’re sitting on single family properties eyeing a move into multifamily, a landlord figuring out the right rent price, or an investor ready to pick up distressed deals at steep discounts, the panel breaks down exactly where things stand right now. Watch the YouTube Video https://youtu.be/LJq5IzPcPbM Timestamps 00:00 — Welcome & Guest Introductions  01:13 — Colorado Springs January Stats — New Listings Nearly Double  03:44— Denver Boots on the Ground — Relisting Surge & Condo Financing  05:39 — Denver Metro Trends — Inventory Building & Prices Flat  07:44 — Colorado Land Up 174% — Why Starter Homes Don’t Exist  09:40— Builders Sitting on Unsold Spec Homes  11:11— Colorado Ranks 5th for Outbound Moves  11:55— Rental Market Reset — Rents Feel Like 2018  15:45— Room by Room Rentals — Flat Rents & Co-Living Rebrand  21:58— Section 8 Voucher Changes & Denver Paying 120% of Fair Market Rents  27:51 — Multifamily at 2018 Prices & $30M Foreclosure With Zero Bidders  35:05 — Renting vs. Buying — Jenny’s Real Numbers Comparison  37:53 — Mortgage Rates & New Fed Chair Nomination 41:24— Buyer’s Market Playbook — Time for Disrespectful Offers Connect with our Guests Jeff White: jeff@envisionrea.com Troy Howell: troy.howell@novahomeloans.com LinkedIn: Troy Howell Website: https://www.novahomeloans.com/loan-officer/troy-howell/ Shawn Riley: shawn@keyrenterdenver.com Website: https://keyrenterdenver.com/ Jenny Bayless: Jenny@envisionrea.com Links in Podcast Apartment vacancy in metro Denver reaches highest rate in 16 years, pushing down rents again Realtors say it's still a buyer's market in Colorado, but high housing costs keep renters renting  Mortgage Calculator Lender forecloses on four central Denver apartment buildings Denver Multifamily Hits 2009 Cap Rates (8 Indicators We’re at the Bottom) Download the Free House Hacking Spreadsheet Subscribe to our Reactivated Deal Alert Emails Who is Keyrenter? Keyrenter Property Management Denver provides rental solutions for homeowners and real estate investors in the metro area who are interested in transforming their properties into passive income. It offers various services, from property marketing and thorough applicant screening to tenant placement and 24/7 maintenance services. Keyrenter Denver's team of experts can take the clients’ burden of managing their rental off their hands so they can get back to what matters to them. Who is Nova Home Loans? For over 40 years, we've been focused on helping homeowners find the perfect loan to fit their financial needs and personal goals. Working with NOVA is a personalized experience from initial application to final loan closing and beyond. We will be with you every step of the way toward successful homeownership. Start working with NOVA & Troy Howell today! NOVA FINANCIAL & INVESTMENT CORPORATION, DBA NOVA HOME LOANS NMLS 3087/ EQUAL HOUSING OPPORTUNITY/8055 EAST TUFTS AVENUE, SUITE 101/DENVER, CO

Natural remedy extraordinaire and naturopathic pediatrician Dr. Lindsay Hollister joins us to share her wisdom and passion for helping children heal from eczema—naturally. In this episode, she breaks down gentle, root-cause approaches that empower parents with simple, actionable tools to support their child's skin and overall health. From herbs and homeopathy to targeted nutrition, Dr. Lindsay reminds us that children's bodies are resilient and designed to heal when given the right support. If you're tired of temporary fixes and ready to explore a more holistic path to eczema relief, this conversation is filled with encouragement, practical strategies, and hope. Key Takeaways Why eczema is often a symptom of deeper imbalances in the body The importance of addressing root causes rather than just managing flare-ups How herbs, homeopathy, and nutrition can support skin healing Simple, actionable steps parents can implement right away Encouragement for parents navigating chronic skin conditions in children About Dr. Lindsay Hollister Dr. Lindsay Hollister, N.D., is a mama of three, natural remedy extraordinaire, and the naturopathic pediatrician behind The Organic Cure. She is passionate about equipping parents with practical, root-cause solutions to help their children thrive using gentle, natural approaches. Through her work, Dr. Lindsay provides families with tools rooted in herbal medicine, homeopathy, and nutrition—always centered on the belief that children are resilient and their bodies are designed to heal. When she's not serving patients, she enjoys adventuring around Colorado Springs with her husband and kids. Learn more or connect with Dr. Lindsay: Website: https://theorganiccure.com/ Instagram: https://www.instagram.com/theorganiccure/ Phone: 719-838-2873 Email: info@theorganiccure.com   For more from Dr. Brayton: If you'd like to learn more about my virtual functional medicine practice, go to https://drlaurabrayton.com/virtual-functional-medicine/ and schedule a complimentary 15 minute discovery call with me. Help more people find our show - leave a rating and review by simply clicking on http://ratethispodcast.com/welladjustedmama. Please click the button to subscribe so you don't miss any episodes! © 2014 - 2026 Dr. Laura Brayton

On episode 201 of March Forth with Mike Bauman, Mike chats with Ghost Tail! Hailing from Colorado Springs, Colorado, Ghost Tail is an emo/alt band that just released their latest single entitled "Shallow End" on 1/1. This Saturday, 2/21, Ghost Tail will be performing at Thrashers Bar in Colorado Springs with Way Way Back, Anaideia, and The Street Deacons. On this episode, Brittany, Richard, and Zach of Ghost Tail talk with Mike about how they got into music, Richard joining the band, memorable shows, the legendary Red Rocks Amphitheatre, the Denver and Colorado Springs music scenes, their latest single "Shallow End," mental health, and more.  This episode of the podcast also features the aforementioned "Shallow End" from Ghost Tail, available where you get your music! Follow Ghost Tail on Instagram @ghost.tail.band. To go see them live on 2/21 at Thrashers Bar in Colorado Springs, visit https://www.facebook.com/p/Thrashers-Bar-61572179233042/. Follow Mike on Instagram @marchforthpod. To stay up to date on the podcast and learn more about Mike, visit https://linktr.ee/marchforthpod. If you or someone you know needs mental health support, please visit https://www.psychologytoday.com/us/therapists. Thanks for listening! If ya dug the show, like it, share it, tell a friend, subscribe, and above all, keep the faith and be kind to one another.

My guest today is Jennifer Bohle, LPC. Jennifer is a trauma-informed therapist, content creator, and high-achieving creative based in Colorado Springs, Colorado. She works with perfectionistic women to build self-trust, confidence, and worthiness while learning to relate to perfectionism as a strength. Through content creation, Jennifer blends humor, education, and real life --  using creativity as a way to make therapy more human and accessible, and to stay connected to the playful, curious part of herself that still feels like a kid at heart.Some of the topics we explore in this episode include:-Jennifer's path into creating online content — what moved her from private work to public sharing-Working skillfully with jealousy and comparison, and learning how to genuinely support other creators-The values that anchor and shape her creative process-The unspoken costs and complexities of growing an audience online-And Navigating phone use, attention, and intentional consumption in a digital world—————————————————————————Jennifer's Instagram: https://www.instagram.com/jenniferanncounseling/Jennifer's Website: https://www.jenniferanncounseling.com/—————————————————————————Thank you all for checking out the episode! Here are some ways to help support Mentally Flexible:You can help cover some of the costs of running the podcast by donating a cup of coffee! www.buymeacoffee.com/mentallyflexiblePlease subscribe and leave a review on Apple Podcasts. It only takes 30 seconds and plays an important role in being able to get new guests.https://podcasts.apple.com/us/podcast/mentally-flexible/id1539933988Follow the show on Instagram: https://www.instagram.com/mentallyflexible/Check out my song “Glimpse at Truth” that you hear in the intro/outro of every episode: https://tomparkes.bandcamp.com/track/glimpse-at-truthCheck out my new album, Holding Space! https://open.spotify.com/album/0iOcjZQhmAhYtjjq3CTpwQ?si=nemiLnELTsGGExjfy8B6iw

Southgate Campus 

In this message from our Sermon on the Mount series, Pastor Aaron walks through Matthew 5:17–20 and answers a question that has caused confusion for generations:What does it mean that Jesus fulfilled the Law?Did Jesus abolish the Law of Moses? Are Christians still under the Old Covenant? What was the purpose of the Law in the first place?Pastor Aaron explains how the Law was never the finish line. It was the guardrail pointing to God's standard of holiness and our need for a Savior. Jesus did not erase the Law. He fulfilled it. He lived the perfect life we could not live and became the sacrifice we could not offer.You will also learn a simple evangelism tool called “The Gap and the Gospel” to help you clearly explain why we all need Jesus.

The Olympics are here — and our middle schoolers are ALL IN.

Colorado is mourning the loss of a radio legend; we remember the life and legacy of James "Dr. Daddio" Walker whose radio station KDKO was long known as "The Soul of the Rockies." Then, how do you recruit more teachers of color? Students at Northglenn High School recently tried to address that concern. Also, black holes, microplastics and new beginnings sound like things that may not go together. But for a Colorado Springs artist they have quite a lot in common. 

Deacon Patrick Jones, Deacon Doug Flinn, Lucas Pollice and Veronica Ambuul discuss the recent announcement that Pope Leo XIV has named Bishop Golka as the next Archbishop of Denver. What does it mean for the new archbishop-designate and the Diocese of Colorado Springs?

Rep. Scott Bottoms (R-15) stuns onlookers at a GOP event in Colorado Springs, alleging the existence of a child sex trafficking ring at the state capitol. Is there enough evidence to prove this? And setting that aside, Democrats continue to vote against harsher sentences for child sex traffickers in the state. Why?

Anne Flower is a pro runner for HOKA and Neversecond based in Colorado Springs, CO. In 2025, Anne exploded into the trail running conversation when she broke Ann Trason's course record at the historic Leadville 100 - a mark that stood for 31 years. Later in the fall, Anne went to Tunnel Hill where she broke the 50-mile World Record by a remarkable 13min margin.   One of the breakout stars of the 2025 season, Anne will be among the favorites at this week's Black Canyon 100k, where she hopes to earn a Golden Ticket to Western States. This is her first appearance on the podcast.   Watch Rest Day Live on YouTube   Chapters:   What makes you you? The Intersection of Medicine and Running 2025: A Year of Transformation The Leadville 100 Experience Breaking the 50-mile World Record at Tunnel Hill New Partnerships with HOKA and Neversecond  Looking Ahead: Future Races and Aspirations Who Anne Admires   REGISTER FOR THE BIG ALTA   REGISTER FOR GORGE WATERFALLS   Sponsors: Grab a trail running pack from Osprey Use code FREETRAIL25 for 25% off your first order of NEVERSECOND nutrition at never2.com Go to ketone.com/freetrail30 for 30% off a subscription of Ketone IQ Freetrail Links: Website | Freetrail Pro | Patreon | Instagram | YouTube | Freetrail Experts   Dylan Links: Instagram | Twitter | LinkedIn | Strava

Southgate Campus 

 Oh, my.  When I learned about the awkward heroine in Even After This, I knew that I needed to chat more with Deborah Clack and get the scoop on what's coming in this book. Listen in to learn why she had me cracking up through the interview. note: links may be affiliate links that provide me with a small commission at no extra expense to you.  Don't miss out on this second chance (in life) romance as well as Deborah's Love Inspired marriage of convenience romance as well! Even After This by Deborah Clack When you're ready to live again, love often has a way of finding you. Four years after tragedy, Meredith Harper is tired of hiding in her corner of Texas and living life like a game of dodgeball. She packs up her grief, awkward social graces, and sizable life insurance in search of a vacation and investment property in Colorado Springs. A botched dinner reservation throws her into the path of a bona fide movie star, and Meredith pushes through her comical celebrity neurosis to discover he is charming but a terrible dancer. A viral video of a daring rescue makes Harlan Holcombe's celebrity star stronger, with millions of his fans deeming him a real-life Hercules. But a minute of heroism doesn't absolve his past mistakes. As Harlan and Meredith spend more time together, he helps her believe there might be more for her not just in life but in love. And she might be part of the solution to restore the legacy he fears is tarnished. But what happens when the path to redeem his mistakes collides with the path to redeem her loss? A poignant and humorous contemporary romance of second chances with swoon but no spice, grief and healing, celebrity meets reluctant widow, love after loss, and new beginnings. This clean and wholesome love story will delight fans of Abby Jimenez, Katherine Center, Annabel Monaghan, and Cara Bastone. Learn more about Deborah on her WEBSITE and follow on GoodReads and BookBub. Like to listen on the go? You can find Because Fiction Podcast at: Apple Castbox Google Play Libsyn RSS Spotify Amazon and more!

Maybe you're carrying a report, a diagnosis, maybe God's timing has been delayed. Maybe you have been in a desert where God has been silent for too long. And then… then, the referee comes out onto the field. He turns on his microphone, the crowd is EXPECTANT, and in some cases, they have lost hope, but then you hear these words… Upon • further • review, the call on the field is reversed. Welcome to Sunday Service  Wish you were here!  Newsong, Colorado Springs (starts at 10:00am)  Subscribe to text updates. Text the words text alert to 94000  Subscribe to emails (bottom of page on newsongcs.com)  Listen to podcasts. Keywords newsong foursquare  Watch services on Youtube. Keyword newsongcs  Follow us on Facebook, Instagram & TikTok keyword newsongcs  3 ways to give to Missions, Disaster Relief, Tithes, or Offerings  1.. newsongcs/com/give  2. Text Giving - text the word EASY to 94000 3. Mail - P.O. Box 75818 • C.S., CO 80970

The Colorado Springs Conservatory offers arts education to kids of all ages. Serving everyone "from curious to serious," they emphasize the importance of the arts for all ages while also providing additional avenues for local artists to teach and earn income. Listen in as Nathan discusses how the appetite for arts and culture in the Pikes Peak Region continues to grow and evolve. From theatre to live music to the symphony, you can find it all in Colorado Springs. Be sure to subscribe so you don't miss our next episode! Send any questions or inquiries to Media@VisitCOS.com.  Episode links:  @CSConservatory ColoradoSpringsConservatory.org VisitCOS.com/Wellness

Tickets are officially on sale for the 104th Running of the Pikes Peak International Hill Climb, and in this exclusive Race Industry Week interview, Melissa Eickhoff, CEO of the Pikes Peak International Hill Climb, takes viewers deep inside one of the most legendary and demanding motorsports events on the planet — the iconic Race to the Clouds.Held at 14,115 feet above sea level, Pikes Peak is unlike any other race in the world. Eickhoff explains how the event continues to evolve its fan experience, expand its global reach, and serve as a proving ground for combustion, electric, and hydrogen vehicle technologies.

Send us a textLeadership that ignores mental and emotional health is expensive -personally and professionally. In this episode, I'm joined by two 2025 PWR Impact Award winners who are redefining what strength, resilience and sustainable growth look like for women in busness.Erica Valenzuela, winner of the Resilience Award, is the creator of E-Motion, a space that blends rage, release, movement, and reflection to support emotional health.  LaKisha Mosely, PWR Podcast Guest of the Year, is known as the Soft Simple CEO and helps women build profitable businesses without sacrificing their mental health. We discuss:How emotional healing creates the resilience and clarity required to succeed in business.Why mental health is the blueprint for execution, not an afterthought, and rest is a strategy, not a reward.Rest as a strategy, not a reward."High-functioning burnout" and the warning signs most women ignoreBuilding your network before you need it, taking your own advice, setting boundaries, and more...Together, we explore the long game of business growth and how capacity, community, and trust create momentum no shortcut ever will.If you want growth that feels steady instead of exhausting, this conversation offers practical tools and a more sustainable way to lead.Links and References:Learn more about all the 2025 Powerful Women Rising Impact Award winners Connect with other female entrepreneurs inside the PWR Connection NetworkLearn more about LaKisha Mosley and connect with her on InstagramProtect Your Peace - Why Mental Health is Your Business's Competetive Advantage - LaKisha's award-winning episode on Powerful Women RisingLearn more about E-Motion Fitness and connect with Erica on InstagramSupport the showConnect with Your Host!Melissa Snow is a Business Relationship Strategist dedicated to empowering women in entrepreneurship. She founded the Powerful Women Rising Community, which provides female business owners with essential support and resources for business growth. Melissa's other mission is to revolutionize networking, promoting authenticity and genuine connections over sleazy sales tactics. She runs an incredible monthly Virtual Speed Networking Event which you can attend once at no cost using the code FIRSTTIME She lives in Colorado Springs with two dogs, her soul cat Giorgio and any number of foster kittens. She loves iced coffee, Taylor Swift, and Threads.

In this episode of Book Talk with Cara, I welcome Deborah Clack to discuss her debut novel, Even After This, a book 13 years in the making. Deborah shares her journey of perseverance in the face of countless rejections, the heartfelt and humorous elements within her story, and the challenges she encountered bringing her characters to life. The novel revolves around a widow's unexpected encounter with a Hollywood actor at the Broadmoor Hotel in Colorado Springs, blending romance, comedy, and deep emotional healing. Deborah reflects on her growth as a storyteller, the importance of certain scenes, and offers insights into what readers and book clubs might find engaging. Follow Deborah on her website, Instagram, and join her newsletter community for more behind-the-scenes content.You can learn more about Deborah and her books at her website: https://www.deborahclack.com/Want to watch this interview? You can see this episode as well as multiple others on YouTube! Enjoy!If you enjoyed this conversation, I would be thrilled if you left a rating and review on your favorite podcast app and leave me a note below letting me know who you would love to see on the show!

Johnny Joy is the owner of The Local Motive, the most recognizable party bus service in Colorado Springs. But there is a catch: he is 12 years sober.In this episode, Johnny opens up about the "paradox" of running a business built on alcohol while living a life built on sobriety. We discuss the terrifying morning in 2014 that changed his life forever, why he believes entrepreneurs suffer in silence, and how he turned a spray-painted bus into a community revolution.If you are an entrepreneur feeling stuck or looking for a sign to keep going, this conversation is for you.

Come see Fandomonium LIVE in Colorado Springs on February 13th + March 13thSome things in this world are just too mysterious to explain, and others are a bloke in a Bigfoot costime.It's a cast lineup! Join Aidan, Ben, Drew and Jon for a series of games and laughs in the world of Cryptids. Featuring genuine cryptid encounters with four brand new cryptids!Support our PlayersFollow @RicketyFidgets on InstaListen to Carrying WaywardBook Drew for VA/VO roles!Read Space OdditiesListen to GeeksplorationWe are an ad and listener supported podcast, but mainly listener supported. Consider supporting our production over at patreon.com/gateleapers. All supporters get ad-free audio episodes. Premium supporters get video recordings + our bonus monthly live comedy gameshow Slidesplitters!Do you have a suggestion for a fandom we've not yet covered? Are you a comedian, creative or performer who would like to be a guest on our show? Get in touch! gateleapers@gmail.comMusic: BoucheDag by Alexander Nakarada (serpentsoundstudios.com)Licensed under Creative Commons BY Attribution 4.0 Licensehttps://creativecommons.org/licenses/by/4.0/Become a supporter of this podcast: https://www.spreaker.com/podcast/gateleapers-a-fandom-gameshow--5150861/support.

Send us a textThe fastest way to grow your business might be helping someone else win. So many business owners feel pressure to chase visibility, revenue, and recognition - often at the expense of community, connection, and even themselves.In this episode, I'm joined by three more of the 2025 Powerful Women Rising Impact Award winners who prove that relationships, generosity, and service aren't just feel-good ideas, they're powerful growth strategies.Corina Carrillo, Connector of the Year, Ashley Anderson, winner of the Business for Good Award, and Emily Garcia, Empowerment Award winner, share how they've built thriving businesses by putting other people first — and backing that philosophy up with simple, sustainable systems.We also talk about:How connection and belonging drive referrals and long-term growthCollaboration over competition as a growth strategy, not just a feel-good phraseUsing community events to build trust and shared momentumMoving past imposter syndrome through relationships and mentorshipLinks & References:Learn more about all the 2025 Powerful Women Rising Impact Award winners Connect with other female entrepreneurs inside the PWR Connection NetworkLearn more about Emily on her website or connect with her on InstagramFollow Ashley and Anderson Designs on InstagramConnect with Corina on Instagram or check out her website Support the showConnect with Your Host!Melissa Snow is a Business Relationship Strategist dedicated to empowering women in entrepreneurship. She founded the Powerful Women Rising Community, which provides female business owners with essential support and resources for business growth. Melissa's other mission is to revolutionize networking, promoting authenticity and genuine connections over sleazy sales tactics. She runs an incredible monthly Virtual Speed Networking Event which you can attend once at no cost using the code FIRSTTIME She lives in Colorado Springs with two dogs, her soul cat Giorgio and any number of foster kittens. She loves iced coffee, Taylor Swift, and Threads.

Your host, Brian Michaels, sits with Melody Ronk, a Physician's Assistant with Dynamic Healthcare Team. Their conversation ranges from addressing current illnesses roaming through the Colorado Springs community to some of the quirks medical professionals deal with in serving their patients, and how faith in Jesus impacts providing the best medical care possible.See omnystudio.com/listener for privacy information.

Colorado Springs and the Pikes Peak Region have a rich history rooted in the pursuit of wellness. Our crisp mountain air and ample sunshine have been healing for hundreds of years. Listen in as our Content Coordinator Kate Hertz sits down with Tonia McCorkle of Strata Integrated Spa at Garden of the Gods Resort and Rochelle Janecek of Colorado Salt Cave Wellness Center to chat all things health and wellness.  Download Visit Colorado Springs' free digital Wellness Pass today to access discounts and deals on health and wellness activities around the region. Learn more here:  VisitCOS.com/Wellness Be sure to subscribe so you don't miss our next episode! Send any questions or inquiries to Media@VisitCOS.com.  Episode links:  @cosaltcave @stratawell  

Send us a textYou don't need a bigger audience. You need the right kind of attention.In this episode (the first in our series of interviews with the PWR 2025 Impact Award winners), I'm joined by two brilliant women who know what it takes to build credibility, visibility, and trust without going viral or chasing vanity metrics.Emily Aborn, host of Small Business Casual and PWR Podcast Host of the Year, shares how she creates a real human connection - even when recording a podcast episode alone.KJ Blattenbauer, PWR Speaker of the Year and author of Pitchworthy, shares why depth, intention, and audience advocacy matters more than visibility for visibility's sake.Both of my guests agree that podcasting, speaking, and other forms of PR  are relationship-driven tools that help the right people find you, trust you, and buy from you.We also discuss:Choosing visibility opportunities based on your actual business goalsWhat it really means to read the room — and when to ditch the scriptHow to use podcasts, speaking, and PR to borrow trust instead of chasing attentionSimple, practical tools you can apply immediately, even if visibility scares you a little!Links & References:Learn more about all the 2025 Powerful Women Rising Impact Award winners Connect with other female entrepreneurs inside the PWR Connection NetworkListen to the Small Business Casual podcastFollow Emily on SubstackGet your copy of KJ's new book, PitchworthyFollow KJ on InstagramSupport the showConnect with Your Host!Melissa Snow is a Business Relationship Strategist dedicated to empowering women in entrepreneurship. She founded the Powerful Women Rising Community, which provides female business owners with essential support and resources for business growth. Melissa's other mission is to revolutionize networking, promoting authenticity and genuine connections over sleazy sales tactics. She runs an incredible monthly Virtual Speed Networking Event which you can attend once at no cost using the code FIRSTTIME She lives in Colorado Springs with two dogs, her soul cat Giorgio and any number of foster kittens. She loves iced coffee, Taylor Swift, and Threads.

Send us a textWhat if the goal isn't more… but enough?So many business owners are exhausted - not because they're failing but because they're chasing growth that doesn't actually feel good or sustainable.In this episode, I'm joined by three 2025 Powerful Women Rising Impact Award winners who approach business growth from very different angles, but land in the same place: calmer momentum beats constant pressure.Caitlin Durning, Coach of the Year, Teresa Romain, winner of the Active Impact Award, and Meredith Dewald, VA of the Year, share how mindset, systems, and values-first strategy work together to create steady growth you can actually sustain.We discuss:Redefining abundance as "enough" instead of always pushing for moreUsing simple brain-dump systems to calm idea overloadLetting your niche emerge through consistent actionThe secret to success:  Intuition-led coaching, practical strategy and a VA who acts more as a strategic partner than a task-doerLinks & References:Learn more about all the 2025 Powerful Women Rising Impact Award winners Connect with other female entrepreneurs inside the PWR Connection NetworkListen to Caitlin's podcast: The End in Mind - Personal Development for EntrepreneursCheck out Caitlins website and connect with her on Instagram Connect with Teresa on her website, YouTube channel or FacebookFollow Meredith on Instagram, watch me tag her a million times on Threads or check out her websiteSupport the showConnect with Your Host!Melissa Snow is a Business Relationship Strategist dedicated to empowering women in entrepreneurship. She founded the Powerful Women Rising Community, which provides female business owners with essential support and resources for business growth. Melissa's other mission is to revolutionize networking, promoting authenticity and genuine connections over sleazy sales tactics. She runs an incredible monthly Virtual Speed Networking Event which you can attend once at no cost using the code FIRSTTIME She lives in Colorado Springs with two dogs, her soul cat Giorgio and any number of foster kittens. She loves iced coffee, Taylor Swift, and Threads.

A desperate search for a missing Colorado Springs mom of two has left family and friends desperate for answers. Music Credits: John B. Lund/Shadowed/Courtesy of www.epidemicsound.com Anna Dager/Suspension/Courtesy of www.epidemicsound.com Jo Wandrini/The Arctic/Courtesy of www.epidemicsound.comSee omnystudio.com/listener for privacy information.

Podcaster Tim White is joined by longtime Pastor and Crucible Leader John Casey from Colorado Springs, CO. John shares his personal journey into self-compassion and life changing grace.For more information checkout TheCrucibleProject.orgAs a man or woman of faith, do you long to live at a deeper level of authenticity, passion and power?Unlike any Christian retreat you've attended, The Crucible Weekend is designed to challenge you to take a hard look at what is and not working in your life. We give you the opportunity to wrestle with God and discover new truths about yourself — and embrace your God-given masculinity or femininity.Our Main WebsiteOur BlogOnline Life CoachingChristian Men's RetreatsChristian Women's RetreatsAll content © 2026 The Crucible Project Podcast.Here are some of the topics we cover in our podcast episodes: Radical honesty and grace Spiritual growth Discipleship Mentorship Personal development Life transformation Christian men's ministry Christian women's ministry Faith-based retreat Discover our other resources: Our Main Website Our Blog Online Life Coaching Christian Men's Retreats Christian Women's Retreats All content © 2024 The Crucible Project Podcast.

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

It's February! The season of love. But in this month's guide to Denver, we're going beyond flowers and chocolate. Newsletter editor Peyton Garcia and producer Olivia Jewell Love join host Bree Davies to share the best things to do, see, drink, eat, and explore in and around the Mile High City this month, with some fun twists on the traditional romantic gestures — from a “herstorical” take on Henry VIII at the theater to date night at a food court that's worth a drive.  Bree mentioned a mini-documentary on the Citadel Mall in Colorado Springs.  If you're new here, welcome! We've put together a starter pack for you, with episodes and articles to welcome you to the City Cast Denver community.  For even more tips on how to make the most of December in Denver, check out our newsletter Hey Denver's take on what to do this month.  If you enjoyed today's sponsored interview with Andy Cambron, the CEO of Multipass, learn more here. Check out their upcoming events below! City Cast Denver is made possible by our awesome sponsors, like Arvada Center, South by Southwest, and Multipass.  If you enjoyed today's interview with Andy Cambron, the CEO of Multipass, learn more here. Check out upcoming events below: Lob Denver - Feb 28th Elevation After by Colorado Bassheads Shroomski Night - Valentines Scorned Lover's Valentine's Day Show Love & Dabs: A HiGhTaTs Valentine's Exclusive And we're also powered by our members, who enjoy an ad-free version of the show. Find out more membership.citycast.fm about how to become a member of City Cast Denver. Interested in advertising with City Cast? Find more info here citycast.fm/advertise.  Got questions or comments about this episode? You can reach us at denver@citycast.fm  Looking to advertise on City Cast Denver? Check out our options for podcast and newsletter ads at citycast.fm/advertise

Southgate Campus 

What does it really mean to live the blessed life?In this message, Dr. Trent Langhofer kicks off Trace Church's Sermon on the Mount series by unpacking Jesus' radical definition of blessing from Matthew 5. Contrary to culture's version of happiness, Jesus invites us into a life of deep flourishing that is rooted in surrender, formation, and alignment with God.Walking through the Beatitudes one by one, this sermon explores how the blessed life is not built on comfort, success, or circumstance, but on humility, dependence, mercy, purity, peacemaking, endurance, and faithfulness to God even in hardship.If you are searching for meaning, wrestling with pain, navigating doubt, or longing for a life that truly lasts, this message reframes what blessing looks like through the life and teachings of Jesus.This sermon was preached at Trace Church in Colorado Springs.Scripture focus: Matthew 5:1–12Series: Sermon on the MountMessage title: The Blessed LifeSpeaker: Dr. Trent Langhofer, Teaching PastorIf this message encouraged you, consider subscribing for more sermons, sermon clips, and teachings from Trace Church.

Note: "Act 2" will be a separate published audio podcast.*Check out EZ's morning radio show "The InZane Asylum Q100 Michigan with Eric Zane" Click here*Get a FREE 7 day trial to Patreon to "try it out."*Watch the show live, daily at 8AM EST on Twitch! Please click here to follow the page.Email the show on the Shoreliners Striping inbox: eric@ericzaneshow.comTopics*EZ had a heck of a day yesterday! First another run in with "Big Vet" and then a run in with "Big Tow."*More than ever, EZ needs you to buy a hoodie!*Cole in Colorado Springs, CO sends an email that gets everyone all wound up.*Alex Pretti vid 11 days before his death.Sponsors:Merchant Automotive, SkyDive Grand Haven, Impact Powersports, Kuiper Tree Care, Frank Fuss / My Policy Shop Insurance, Kings Room Barbershop, Shoreliners,  Ervines Auto Repair Grand Rapids Hybrid & EV, TC PaintballInterested in advertising? Email eric@ericzaneshow.com and let me design a marketing plan for you.Contact: Shoreliners Striping inbox eric@ericzaneshow.comDiscord LinkEZSP TikTokSubscribe to my YouTube channelHire me on Cameo!Tshirts available herePlease subscribe, rate & write a review on Apple Podcastspatreon.com/ericzaneInstagram: ericzaneshowTwitterOur Sponsors:* Check out Aura.com: https://aura.com/removeSupport this podcast at — https://redcircle.com/the-eric-zane-show-podcast/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

From residency training to ultramarathons - discover how Dr. Lauren Puretz balances life as a gynecologic surgeon with competing at the highest levels of trail running, including her breakthrough performance at UTMB and the mindset shifts that fuel both operating rooms and mountain peaks.Lauren Puretz, DO is a board-certified OB/GYN, elite ultrarunner, and mom of 2 based in Colorado Springs. She is the co-founder of Mountain View OB/GYN and co-host of the podcast Speaking of Labias. Outside the clinic, Lauren is intentionally making the most of her time as a competitive runner, chasing big goals, embracing challenge, and having as much fun as possible along the way.Jon chats with Lauren about:Lauren's transition from gymnastics and soccer to cross country runningbalancing medical career as gynecologic surgeon with ultra running trainingbuilding community through persistent outreach and shared running experiencesmanaging eating disorder recovery while fueling for endurance performanceovercoming fear to compete in challenging mountain races like UTMB Stay connected:Follow Lauren:https://www.instagram.com/lauren1642/This episode is supported by:Rocket Money Take control of your spending. Cancel unwanted subscriptions and reduce the rest with Rocket Money: RocketMoney.com/GORUNAmazFit Check out the T-Rex 3 and a selection of GPS watches at http://bit.ly/4ojbflT and use code “FTLR” for 10% off.

All right Fam, get ready for our first-ever episode covering the icon himself: Joe Kenda. We're in Colorado Springs, on June 5, 1988. The brutalized body of 24-year-old Mary Lynn Vialpando has been discovered in a back alley. There are almost no clues to who killed her. But Joe Kenda is on the case. When Mary Lynn's husband frantically appears at the crime scene, he becomes suspect number one. But in the first case in Colorado's history to use DNA technology to solve this crime, it would take years for the killer to be caught and for Mary Lynn to receive some measure of justice.Find and watch "Homicide Hunter: The Man with No Face" on Discovery+WE'RE ON YOUTUBE - Want to view the episodes and not just listen?  Check our new video feed to see full video episodes starting today. CLICK HERE TO WATCH AND SUBSCRIBE!LOOKING FOR MORE TCO? On our Patreon feed, you'll find over 400 FULL AD-FREE BONUS episodes to BINGE RIGHT NOW, including our episode-by-episode coverage of popular documentary series like Love Has Won: The Cult of Mother God, LulaRich, and The Curious Case of Natalia Grace; classics like The Jinx, Making A Murderer, and The Staircase; and well-known cases like The Menendez Murders, Casey Anthony: American Murder Mystery, and The Disappearance of Madeleine McCann, and so many more!Episode Sponsors: Earnin - Get access to your pay as you work. Download the Earnin app in the Google Play or Apple app store. ZipRecruiter - See why ZipRecruiter is the hiring site employers prefer most. Try it FOR FREE at www.ZipRecruiter.com/TCO Shopify - In 2026, stop waiting and start selling! Sign up for your one-dollar-per-month trial period at www.shopify.com/obsessed Helix - Upgrade your sleep! Go to www.helixsleep.com/tco for 20% Off Sitewide!! Ritual - Ritual's Essential for Women 18+ is a multivitamin you can actually trust. For a limited time, get 40% off your first month at www.Ritual.com/TCO Join the TCO Community! Follow True Crime Obsessed on Instagram and TikTok, and join us on Facebook at the True Crime Obsessed Podcast Discussion Group!  AND INTRODUCING THE NEW TCO DISCORD CHANNEL AS WELL!!!

Louis C.K. is a stand-up comedian, writer, director, and producer known for his brutally honest, self-deprecating comedy. A multiple-time Emmy and Grammy winner, he has released numerous stand-up specials and created acclaimed television series including Louie. In addition to his work in comedy and film, Louis C.K. is the author of the novel Ingram, available now.FOR MORE WITH LOUIS CK:BOOK: Ingram - Available NowINSTAGRAM: @louisckxWEBSITE: louisck.comFOR MORE WITH RUDY PAVICH: INSTAGRAM: @rudy_pavichWEBSITE: www.rudypavichcomedy.comLIVE SHOWS: January 8 - Loveland, COJanuary 9 - Colorado Springs, COJanuary 10 - Colorado Springs, CO (2 shows)January 11 - Greenwood Village, COJanuary 16 - Grants Pass, ORJanuary 17 - Bend, ORSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.