Podcasts about dscr

In this solo episode, host Alex Pardo gives a candid update on Dan's journey to buy his first self-storage facility — a deal that had strong market demographics, favorable bank financing, and real value-add upside, until one buried spreadsheet assumption changed everything. This episode is a real-world lesson in self-storage underwriting, revenue ramp-up timelines, and what it actually costs to miss a detail in your deal filter. If you're working toward your first storage deal and want to understand how to stress-test your numbers before it's too late, this episode will save you from making the same costly mistake Dan made.   You'll Learn How To: Understand why storage revenue doesn't move like a light switch after acquisition Identify the ramp-up period tab in your deal filter and how to use it correctly Calculate how many net move-ins per month is realistic for your market Stress-test your debt service coverage ratio before presenting a deal to a bank Negotiate from a shoulder-to-shoulder position with sellers when deals need restructuring Recognize when a deal that looks good on paper is missing a critical timeline assumption Surround yourself with a community that can catch what your spreadsheet can't   What You'll Learn in This Episode [0:00] Dan's deal looked solid until one buried assumption flipped everything [0:32] Alex introduces Season 2 and Dan's journey from unemployed to first-time storage buyer [1:09] Why Dan wasn't excited when he finally got under contract — and what that reveals [1:45] Why celebrating each step matters even when you've been burned before [2:06] The market fundamentals Dan liked: demographics, income, population growth [2:31] The bank terms that made the deal attractive — 5.29% fixed for 5 years or 5.99% for 10 [3:05] A cautionary tale: a well-known investor who lost $15 million when rates adjusted on a $70M multifamily deal [4:13] Why Alex jumped on an impromptu Zoom to review Dan's underwriting spreadsheet [4:33] How Storage Wins community member Casey McKillop saved $100,000 on his first offer [6:02] The specific tab Dan wasn't reading correctly — net move-ins and the ramp-up period [7:07] The real issue: Dan assumed revenue would jump from $170K to $210K overnight [7:51] It would take Dan 10 months to reach profitability — and he wasn't prepared to fund it [8:09] The bank pulled out after reviewing the deal more closely [8:59] How to explain debt service coverage ratio (DSCR) to sellers and why 1.25–1.3 matters [10:14] The lesson: growth comes from adversity, and Dan won't make this mistake again   Who This Episode Is For: First-time storage investors preparing to make their first offer Investors who have been under contract before and had deals fall through Anyone underwriting a value-add storage deal and projecting a quick revenue bump Buyers who haven't stress-tested their debt service coverage ratio Entrepreneurs who know the numbers but need a second set of eyes on their assumptions Storage investors trying to understand how ramp-up timelines affect deal viability   Why You Should Listen: Dan's deal had everything going for it on the surface — strong demographics, committed bank financing, and a clear path to raising rents. But one overlooked tab in the deal filter spreadsheet showed that revenue wouldn't jump overnight. It would take ten months to reach profitability, and Dan hadn't budgeted for that gap. That single assumption blew up the DSCR, the bank walked, and a deal that looked ready to close came apart fast. This episode isn't about what went wrong. It's about what you can learn before it happens to you. Alex walks through the exact mistake — projecting revenue as a light switch rather than a ramp — and explains why having a community to stress-test your deal before you go under contract is worth more than almost anything else in this business. The most expensive education is experience. But it doesn't have to be yours. Dan learned this lesson so you don't have to.   Follow Alex Pardo here: Storage Wins Website: https://www.storagewins.com Book a Discovery Call: https://www.storagewins.com/call Storage Wins Facebook Group: https://www.facebook.com/groups/storagewins Instagram: @alexpardo25 YouTube: Storage Wins   If this episode hit home, share it with someone who's currently underwriting a self-storage deal or about to make their first offer. One conversation, one extra set of eyes on a spreadsheet, can be the difference between a great deal and an expensive lesson. Follow Storage Wins on your favorite podcast platform, and leave a rating and review — it helps more investors find the show. Ready to move from learning to owning? Head to https://www.storagewins.com/call and schedule your free ten-minute discovery call with Alex. Your first storage facility is closer than you think. Join the Storage Wins Facebook Group and connect with investors who are in the trenches just like you. The community is free, the knowledge is real, and the next deal could come from a conversation you haven't had yet.

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

Benny Delaney shares his journey from growing up in India, building a business and investing in ultra-expensive real estate in Hong Kong, and eventually immigrating to Canada in 2017 for his children's future. After buying duplexes in Oshawa and Peterborough, Benny discovered U.S. real estate investing through Glen Sutherland's coaching and became attracted to the flexibility of DSCR loans in the United States. Unlike Canadian lenders that focused heavily on proving employment income, Benny found that U.S. lenders cared more about the property's cash flow potential. This allowed him to scale into properties in Florida and Detroit despite being semi-retired and no longer operating an active business. The interview also dives deeply into Benny's strategy of remotely managing student rentals in Florida from Toronto. He explains how building a reliable local team — including realtors, plumbers, HVAC contractors, cleaners, and leasing support — made remote investing practical. Benny discusses handling student tenants, lease-ups, payment systems, maintenance requests, and tenant screening while emphasizing that real estate investing is ultimately a business built around problem-solving. The conversation highlights the difference between investing for appreciation versus investing for cash flow, with Benny prioritizing higher-income properties like student rentals and Airbnbs to support his semi-retired lifestyle. The episode offers valuable insight for Canadians looking to invest remotely in U.S. markets while leveraging creative financing and higher cash-flow opportunities unavailable in many Canadian cities. What type of Investor are you? Take the Quiz? https://acanadianinvestingintheusa.com/quiz

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ Alabama new construction is getting serious attention from real estate investors — and in this episode of the Rent To Retirement Podcast, Matthew Seyoum is joined by Frank Merry to break down why.Frank shares what makes Alabama attractive for out-of-state investors, including lower property taxes, landlord-friendly laws, affordable new construction, strong rental demand, and major employment drivers across markets like Birmingham, Huntsville, Kimberly, Tuscaloosa, and Columbiana.

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

DSCR loan explained simply. You see a higher DSCR rate and walk away from the deal. That is the mistake costing investors thousands in lost opportunity every single year.In this episode, I break down exactly why DSCR rates are higher than conventional loans, what you are actually paying for, and why that higher rate is often worth every single penny for the investor who wants to scale.If you are buying two or three properties, conventional all day long. Better rate, lower fees, done. But the moment you want to scale past four properties, the moment your DTI caps you out, the moment you need a loan that looks at the asset, not your W-2, DSCR is the only tool that makes sense.In this episode:— Why DSCR rates are higher and what risk the lender is actually taking— DSCR vs conventional loans broken down side by side with real numbers— Why DSCR loans have no scaling cap and conventional loans do— The 1.25 DSCR ratio threshold and why going below it is a deal killer— How your credit score impacts your rate by 25 to 100 basis points— Why DSCR loans closed in an LLC do not report to your credit bureau— The underwriting fee range you should expect and which lenders are overcharging— Three questions you must ask every DSCR broker before you commitIf this saved you from walking away from a good deal, share it with a fellow investor. More tools and resources at trutalk.co

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ Alabama new construction is getting serious attention from real estate investors — and in this episode of the Rent To Retirement Podcast, Matthew Seyoum is joined by Frank Merry to break down why.Frank shares what makes Alabama attractive for out-of-state investors, including lower property taxes, landlord-friendly laws, affordable new construction, strong rental demand, and major employment drivers across markets like Birmingham, Huntsville, Kimberly, Tuscaloosa, and Columbiana.

Key TakeawaysLocation for Flex/IndustrialDon't go “main & main” in the city core (too expensive, competing with retail/office).Target major highways/arterials just outside town, where you can serve multiple submarkets at lower land/building cost.Pricing & StrategyYour all‑in cost/sf (purchase + rehab) must be well below new construction cost (~$120–$150/sf) or the deal won't compete.Quick screen: if all‑in ≈ $100/sf and you can get ~$12/sf NNN, that's about a 12% yield on cost → worth deeper underwriting.Kansas City Example Deal4,260 sf building at $315K (~$74/sf) in Raytown; concept: split into two bays, add another roll‑up door, light rehab.Verified via Google Street View that there's no real loading dock despite the listing.Underwriting Outputs (base case)Assumptions: 25% down, 7% interest, 20‑yr am, 2 tenants at $12/sf NNN, 3% bumps.Results: ~16–17% IRR, ~19–20% annualized cash‑on‑cash, ~2.0x equity multiple over 5 years, DSCR ~1.7x.Risk & Stress TestEven with rents at $10/sf and rehab at $100K, deal still modeled at mid‑teens IRR and solid cash‑on‑cash.But in a bear scenario (lower rents, higher vacancy, worse exit cap), you can lose money → need margin.Capital RaisingRaising capital starts with your existing network:Call people, explain your deal type and target returns, and ask if they'd want to see one.Build a list of soft commitments before you have a live deal.

This week on Your Real Estate Life, host Michael Harris discusses how today's housing market is shifting from price-focused decisions to payment-focused strategies as consumers navigate affordability pressures, elevated mortgage rates, inflation concerns, and changing market dynamics. The program reviews the economic calendar for the week of June 8, 2026, including key inflation and employment reports that could impact mortgage rates and consumer confidence. Michael also explores practical financing solutions including HELOCs for homeowners seeking equity access, reverse mortgage strategies for retirement flexibility, and DSCR investor loans designed for real estate investors and self-employed borrowers looking for alternative qualification options. Join Michael Harris, Mortgage Loan Originator #233410 with United Mortgage Corporation of America, on Your Real Estate Life airing on Fox Sports Ventura 1590 AM & 97.9 FM KVTA and streaming on YouTube at Your Real Estate Life with Michael Harris. Call 888-543-3980 for personalized mortgage and financial strategy guidance.

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

For today's episode of Living Off Rentals, we are joined by someone who made an empowering transition from short-term rental arbitrage to building her own portfolio of cash-flowing properties. Stephanie James spent 15 years serving veterans as a social worker with the U.S. Department of Veterans Affairs before she discovered real estate investing. She is a member of my STR Blueprint program with properties in Indiana and Michigan. Starting with rental arbitrage, she quickly scaled multiple units before realizing that true wealth-building comes from ownership.  That shift led her to learn how to raise private capital and eventually build her own private lending business, Private Lending with Stephanie, where partners invest alongside her to fund her deals. Listen as she shares her journey from fear and uncertainty to confidently closing her first deal, raising private capital, and building a scalable real estate business. Enjoy the show! Key Takeaways: [00:00] Introducing Stephanie James and her background [03:38] Transition to real estate from her 15-year career serving veterans at the VA [07:58] Getting started in real estate investing around 2016–2017 [10:26] About rental arbitrage [13:31] Overcoming fear of property ownership [16:43] The mindset shift from arbitrage to ownership and investing [19:57] Managing fear through education and mentorship [21:11] Landing her first property under contract [24:33] Raising private money for the deal [26:00] From asking for money to offering an opportunity [28:47] Securing her first private money lender [35:51] Structuring a deal using DSCR loans and private money [41:51] Breaking down the numbers on Stephanie's deal [46:05] The biggest mistake: letting emotions drive investment decisions [52:07] Best advice for beginners: define your "why" to stay resilient [54:56] Recommended book: Servant Leadership [01:00:07] Connect with Stephanie James [01:00:54] Outro Guest Links: Website: https://privatelendingwithstephanie.com/  Facebook: https://www.facebook.com/share/18dukayC3g/ LinkedIn: https://www.linkedin.com/in/stephanie-james-b65469300 Show Links: READY TO BUY YOUR FIRST SHORT TERM RENTAL? Book a call with me or my team here: https://www.livingoffrentals.com/call Living Off Rentals YouTube Channel – youtube.com/c/LivingOffRentals  Living Off Rentals YouTube Podcast Channel - youtube.com/c/LivingOffRentalsPodcast  Living Off Rentals Facebook Group – facebook.com/groups/livingoffrentals  Living Off Rentals Website – https://www.livingoffrentals.com/  Living Off Rentals Instagram – instagram.com/livingoffrentals  Living Off Rentals TikTok – tiktok.com/@livingoffrentals 

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

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

Key TakeawaysLocation for Flex/IndustrialDon't go “main & main” in the city core (too expensive, competing with retail/office).Target major highways/arterials just outside town, where you can serve multiple submarkets at lower land/building cost.Pricing & StrategyYour all‑in cost/sf (purchase + rehab) must be well below new construction cost (~$120–$150/sf) or the deal won't compete.Quick screen: if all‑in ≈ $100/sf and you can get ~$12/sf NNN, that's about a 12% yield on cost → worth deeper underwriting.Kansas City Example Deal4,260 sf building at $315K (~$74/sf) in Raytown; concept: split into two bays, add another roll‑up door, light rehab.Verified via Google Street View that there's no real loading dock despite the listing.Underwriting Outputs (base case)Assumptions: 25% down, 7% interest, 20‑yr am, 2 tenants at $12/sf NNN, 3% bumps.Results: ~16–17% IRR, ~19–20% annualized cash‑on‑cash, ~2.0x equity multiple over 5 years, DSCR ~1.7x.Risk & Stress TestEven with rents at $10/sf and rehab at $100K, deal still modeled at mid‑teens IRR and solid cash‑on‑cash.But in a bear scenario (lower rents, higher vacancy, worse exit cap), you can lose money → need margin.Capital RaisingRaising capital starts with your existing network:Call people, explain your deal type and target returns, and ask if they'd want to see one.Build a list of soft commitments before you have a live deal.

On this week's edition of Your Real Estate Life, Michael Harris of United Mortgage Corporation of America explored how today's evolving housing and financial markets are pushing consumers beyond traditional mortgage solutions and into strategic lending and cash-flow planning opportunities. The program covered current market conditions, inflation concerns, Federal Reserve expectations, and the economic calendar for the week ahead, while taking a deep dive into Reverse Mortgages, HELOC strategies, DSCR investor financing, and the Money Max Account framework. Listeners learned how qualified homeowners may use reverse mortgages for retirement cash-flow flexibility, how HELOCs can provide liquidity while preserving historically low first mortgage rates, and how DSCR loans allow real estate investors to qualify using rental property income rather than personal income documentation. The show also emphasized broader personal finance concepts including liquidity management, debt efficiency, emergency reserves, and strategic use of home equity, tying together how lending tools, financial discipline, and long-term planning can help consumers navigate higher-rate environments and changing economic conditions with greater confidence and flexibility. Join Michael Harris, Mortgage Loan Originator #233410 with United Mortgage Corporation of America, on Your Real Estate Life airing on Fox Sports Ventura 1590 AM & 97.9 FM KVTA and streaming on YouTube at Your Real Estate Life with Michael Harris. Call 888-543-3980 for personalized mortgage and financial strategy guidance.

This week on Your Real Estate Life with Michael Harris, we explore how rising home prices, elevated interest rates, inflation, insurance costs, and everyday financial pressure are changing the way today's buyers make decisions. From payment comfort versus maximum qualification, rate buydown strategies, refinancing opportunities, and the true cost of waiting, to understanding taxes, insurance, debt-to-income ratios, reserves, and long-term affordability — this program delivers practical education for buyers, homeowners, and investors navigating today's market. We also break down the economic calendar for the week ahead, discuss DSCR loans, HELOC and equity strategies, self-employed borrower options, and how consumers can make smarter financial decisions in uncertain times. Join Michael Harris, Mortgage Loan Originator #233410 with United Mortgage Corporation of America, on Your Real Estate Life airing on Fox Sports Ventura 1590 AM & 97.9 FM KVTA and streaming on YouTube at Your Real Estate Life with Michael Harris. Call 888-543-3980 for personalized mortgage and financial strategy guidance.

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

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

Ben Stef reveals how DSCR loans, HELOCs, cash reserves, and radical focus can help investors scale smarter while protecting marriage, family, and the deeper purpose behind building long-term financial freedom.See article: https://www.unitedstatesrealestateinvestor.com/to-possess-the-ultimate-freedom-to-scale-without-fear-with-ben-stef/(00:00) - Introduction to Ben Stef and Funding Freedom(05:00) - Ben's Construction Roots and Why Lending Became His Lane(10:00) - House Hacking, BRRRR, HELOCs, and Scaling Through Investor Financing(15:00) - Breaking Past the 10-Property Wall with DSCR Loans(20:00) - Dave Ramsey, Debt Payoff, and the Discipline That Built the Foundation(25:00) - Marriage, Trust, Fast Decisions, and Real Estate Deal Pressure(30:00) - Work Seasons, Family Rhythms, and the Cost of Chasing Deals(35:00) - Golden Nuggets, Sacrifice, Focus, and Doing the Work Unseen(40:00) - Funding Freedom, Where to Find Ben Stef, and Final Closing(41:06) - Episode Disclaimer and Wrap-UpContact Ben Stefhttps://www.fundingfreedom.net/https://www.facebook.com/benjamin.stef.5https://www.instagram.com/benj.stef/https://www.threads.com/@benj.stefhttps://www.linkedin.com/in/benjamin-stef-b0b741275/https://youtube.com/@fundingfreedomwithben Ben Stef's message is clear: freedom is not built by chasing every shiny strategy, avoiding hard conversations, or waiting for the perfect time. It is built by understanding the numbers, protecting your reserves, using financing wisely, staying focused, and taking ownership when things get hard. If this episode helped you see investing, lending, or life with more clarity, keep learning, keep growing, and keep building the life you actually want to live. For more powerful conversations like this, visit https://reiagent.comIs success destroying your peace? Most pros grind until they break. Download The Investor's Life Balance Sheet: A Holistic Wealth Audit to see if you are building a legacy or heading for burnout. Presented by The REI Agent Podcast & United States Real Estate Investor® https://sendfox.com/lp/m4jrl

Most investors are leaving capital on the table — not because it isn't there, but because their loan officer doesn't know how to get it out.In this episode, we sit down with Ben Stef, founder of Funding Freedom and mortgage loan advisor through Nexa Mortgage. Ben specializes in the creative financing tools most traditional lenders won't touch: DSCR loans, second-position rental equity lines, and programs that let investors keep scaling without refinancing, without waiting, and without giving up the low rates they locked in. He grew from $40K to over $250K a year — largely through YouTube — and built his entire brand around making complicated financing accessible to everyday investors.In this interview, you'll learn:•        What a DSCR loan is and why it's the ultimate tool for scaling an investment portfolio•        How second-position equity lines close in 1-2 weeks on LLC-held properties (where traditional banks won't go)•        The defense-first framework for qualifying: credit, assets, and reserves before you invest•        Why Rocket, Guaranteed Rate, and other big lenders don't offer these programs — and what that means for investors•        How to vet a loan officer: the one question that reveals if they've actually done the deal•        The right-now money vs. next-year money framework for agents and lenders building their brand•        How Ben went from $40-50K to $250K+ per year by posting YouTube videos nobody watched for two years"Can you work in the dark without anyone cheering you on? That's the question that determines whether you actually build something."Find Ben Stef: Search "Ben Stef Funding Freedom" on YouTube or visit his Substack for weekly creative financing breakdowns.

Every DSCR loan estimate looks different, and most investors have no idea why. That gap costs them thousands at the closing table.In this episode of the Chasing Financial Freedom Podcast, I break down a DSCR loan estimate box by box, Box A through Box J, with zero filter and no agenda. I show you exactly which fees your lender or broker actually controls, which ones are fixed costs of doing business, and the one shady trick some loan officers use to look cheap on paper until you're sitting at closing. After 110 deals closed in the last 24 months with only 2 lost, I've seen every version of this document, and most investors are reading it completely wrong.

Voytek Mardula and James Lloyd explain how out-of-state investors are building cash-flowing rental portfolios in Detroit with full turnkey support.In this episode of RealDealChat, Jack Hoss sits down with Voytek Mardula and James Lloyd of usproperties.ca, a fully turnkey real estate operation that has bought, renovated, and sold over 600 homes in the Detroit market over nine years.What started as their own search for cash flow in an expensive Canadian market turned into one of the most comprehensive turnkey operations serving out-of-state and international investors. They break down exactly how they source, renovate, manage, and scale properties for their clients, including a growing short-term rental division that is outperforming expectations with AI-powered pricing.Key topics covered:Why Detroit is still one of the most undervalued real estate markets in the countryHow Voytek and James identify B and B-plus neighborhoods with double-digit appreciation potentialWhy they focus exclusively on single-family homes over multifamily and what they learned the hard wayThe Section 8 strategy that held strong through COVID and recessionary periodsHow their short-term rental division works, including fully furnished turnkey packages at 15% managementThe AI pricing software that increased bookings immediately after launch and why it removes the emotional "race to the bottom" in STR pricingBRRRR and DSCR lending strategies to recycle equity into more doors within 18 to 24 monthsReal investor stories: clients who reached 12 to 13 properties and got all their initial capital back through refinancesHow AI voice agents are changing their investor intake and customer service operationsIf you are sitting on capital and looking for an affordable market with real cash flow, genuine appreciation, and a team that handles everything, this episode is the blueprint.

In this episode, mortgage and lending expert Ben Stef of Nexa Lending shares how creative and non-traditional financing solutions are helping real estate investors structure deals that traditional lenders often reject. He discusses DSCR loans, HELOC strategies, and non-QM lending options that allow investors to scale without relying on personal income verification. Ben also breaks down current market challenges, including rising rates, inventory constraints, and tightening lending guidelines, while highlighting how technology and AI are improving underwriting and loan processing efficiency.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Hard money to DSCR is one of the most common exit strategies in real estate investing and one of the most misunderstood. Most investors don't realize the mistake until they're already sitting at the closing table with a surprise they didn't budget for.In this episode of the Chasing Financial Freedom Podcast, I break down exactly where investors go wrong when refinancing a hard money loan into a DSCR loan, including a real deal case study that went completely sideways. If you're holding hard money right now, don't schedule that refi until you watch this.

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

Philip Ganz breaks down DSCR loans for real estate investors, including how to qualify with 15-20% down, LLC structure, and which states to target now.In this episode of RealDealChat, Jack Hoss sits down with Philip Ganz, president of Next Wave Mortgage, to break down exactly how debt service coverage ratio loans work and why they are one of the most powerful tools in a real estate investor's financing toolkit.Philip covers:How DSCR loans qualify based on the property's income, not your personal W-2Why 20% down is the sweet spot and when 15% makes senseHow to hold investment properties inside an LLC from day oneWhy transferring a Fannie/Freddie loan into an LLC after closing violates the loan agreementThe four states Philip guarantees will outperform for investors (Texas, Florida, North Carolina, South Carolina)The four states he predicts will lose population and investor returnsWhy affordability and population growth are the two most important data points before you buyHow supply vs. demand math determines where prices go, and how Austin, Texas proved the modelWhy investors who "feel good" about a deal without checking the numbers are lying to themselvesHow Philip scaled by building support systems, not just adding salespeopleRapid fire: the lie investors tell themselves, the book advice that goes against the grain, and the Abraham Lincoln principle that saves timeIf you are financing your next rental, scaling a portfolio, or trying to figure out which markets actually make sense right now, this episode is the playbook.

You thought your DSCR hit 1.25, your credit was clean, and your cash in the bank was enough, but your lender still said you did not have the reserves to close. This episode breaks down the 1 percent of outstanding balance rule that DSCR lenders quietly apply to your entire portfolio, including your primary residence, and how that hidden requirement can stall or kill a deal when you are already deep into the process. You will learn how the reserve math really works, what counts as liquid, and the exact questions to ask your broker or lender so you are never blindsided by underwriting again. If it does not hit 1.25, it is not a deal. It is a donation.

Welcome to our monthly feature Learn With A Lender with Austin Clarence. In this episode, Austin breaks down the upcoming Federal Reserve leadership change and what it could mean for interest rates and market volatility. Austin unpacks the often-misunderstood relationship between Fed policy and mortgage rates, while diving into practical strategies investors are using in today's market, including DSCR loans, LLC structuring, and creative rate buydowns. Next, Austin explores how to find and build relationships with real estate investor clients through platforms like BiggerPockets and networking with financial professionals. Last, Austin covers powerful tax strategies such as depreciation and cost segregation, and how investors are continuing to scale rental portfolios even in a higher-rate environment. Subscribe to Austin's newsletter by sending an email to aclarence@nexalending.com. If you'd prefer to watch this interview, click here to view on YouTube! Austin Clarence can be reached at +1 650-906-2376 and aclarence@nexalending.com. This episode is brought to you by Real Geeks and Courted.io.

Join an active community of RE investors here: https://linktr.ee/gabepetersenREAL ESTATE INVESTING STRATEGIES THAT CREATE FINANCIAL FREEDOM

What did you think of todays show??Before you write a six-figure check into a syndication, listen to this episode. Brandon Turner's Class B investors just lost 100 percent of their money on a single Houston deal. We break down who you can actually trust with your money: the spokesperson-versus-operator filter, the cash floor that protects you, why oversharing tanks your loan, and what the Buffett yardstick at 230 percent is signaling about the market.Topics discussed:Introduction (00:00)The Brandon Turner fund just wiped out Class B investors (07:18)Why losing 100 percent in real estate syndications is more common than you think (09:20)The downside math nobody pitching syndications wants to show you (11:01)The cash floor before any swing investment (15:08)Spokesperson vs operator: how to filter the founder you trust (17:29)Eviction speeds and rent-increase rules: Ohio vs Washington (19:29)The Cincinnati hypothetical: would you take a $100K spread with a year of negative cash flow? (23:55)Why oversharing with your lender will sink your loan (30:24)The conventional-loan fee racket vs DSCR (34:54)The Buffett yardstick at 230 percent and what it signals (38:39)Follow us on Instagram!https://www.instagram.com/collectingkeyspodcast/https://www.instagram.com/mike_invests/https://www.instagram.com/investormandan/https://www.instagram.com/dylan_does_dealsThis episode was produced by Podcast Boutique https://www.podcastboutique.com (https://podcastboutique.com/)

What if your multifamily deal only works when everything goes right? In this episode of Strategy Saturday, Charles Carillo breaks down how to stress test a multifamily deal before investing real money. Most apartment investors focus only on projected returns, but experienced investors focus on downside protection and risk analysis. You'll learn how to analyze break-even occupancy, interest rate sensitivity, expense growth, DSCR pressure, and exit cap rate expansion to see whether your deal can survive under real market conditions. This episode covers: How to stress test a multifamily deal Break-even occupancy explained Multifamily underwriting mistakes Interest rate sensitivity analysis DSCR and refinancing risk Exit cap rate expansion Apartment investing risk management Commercial real estate underwriting strategies If you invest in apartment buildings, multifamily syndications, or commercial real estate, this video will help you avoid weak deals that only work on paper. Links Referenced in Episode: SS252: Property Expenses Increase as Properties Get Older - https://youtu.be/V-qRYPPxWVk Connect with the Global Investors Show, Charles Carillo and Harborside Partners: ◾ Setup a FREE 30 Minute Strategy Call with Charles: http://ScheduleCharles.com ◾ Learn How To Invest In Real Estate: https://www.SyndicationSuperstars.com/  ◾ FREE Passive Investing Guide: http://www.HSPguide.com ◾ Join Our Weekly Email Newsletter: http://www.HSPsignup.com ◾ Passively Invest in Real Estate: http://www.InvestHSP.com ◾ Global Investors Web Page: http://GlobalInvestorsPodcast.com/

More Than a Rate: What a 20-Year Mortgage Banker Wants You to Know. Most people think getting a mortgage is simple. Find the lowest rate, sign the papers, and move in. But there's a whole lot more going on behind the scenes, and today's guest has been navigating it for over two decades.Jennifer Ceballos has been a full-time loan officer since 2006. She works with all types of borrowers and specializes in self-employed borrowers, investors, and first-time homebuyers. She is solutions-oriented, well-versed in non-QM loan products, and customer service is at the top of everything she does.In this conversation, we get into why rate shopping can cost you more than you think, what AI actually can and cannot do in the lending world, and why some of the best loan officers out there are part therapist, part financial coach.We also break down loan types most people have never heard of. DSCR loans. Bank statement loans. Fix and flip financing. A 0% interest bridge loan. Asset-based loans. No FICO score loans. If you think you can't qualify, you need to hear this episode before you give up.And if you don't qualify today, Jennifer is going to tell you exactly what to do until you do.Connect with Jennifer:

The credit score on your phone right now is almost certainly not the score your mortgage lender is going to use, and that gap can cost you a better rate, a cleaner approval, or the entire deal. In this episode, Ryan breaks down the difference between consumer scores and mortgage FICO scores, explains the middle score rule most investors have never heard of, walks through the three active trade line requirements, and shares a real investor story where 60 points disappeared during a renovation and almost killed a $70,000 cash-out refinance. Come in prepared with the right number, or you are not coming in at all. If it does not hit 1.25, it is not a deal. It is a donation.

On this episode of The Real Wealth Show, Kathy Fettke sits down with mortgage expert Caeli Ridge for a 2026 lending update built for real estate investors. They break down today's investor mortgage rates, HELOCs, cash-out refinances, DSCR loans, paying points, and why experienced investors are still buying in today's market. If you're waiting for rates to drop or sitting on equity, this episode will help you think like an investor—and do the math.

This week, we sit down with investor Kasey Hilgers and unpack the dark side of private money lending. We walk through how Kasey's very first deal—a $30K second-position lien on a nearly finished flip—went sideways when the borrower failed to refinance and her money was stuck for years. We talk about: Why second-position liens are so much riskier and what it means when the first-position lender can wipe us out How scaling too fast, sloppy bookkeeping, and “robbing Peter to pay Paul” put our capital at risk as private lenders The creative strategy we used with a DSCR lender so Casey could take over the property and claw back her $30K How we underwrite now: vetting both borrower and deal, insisting on a recorded promissory note and deed of trust, and avoiding “silent seconds” How we decide how much we can emotionally and financially afford to lose on any one loan We wrap by debating what matters more to us as lenders—a great deal or a great borrower—and how that answer has evolved.     Resources: Simplify how you manage your rentals with TurboTenant Get in touch with Envy Investment Group Connect with Kasey on Instagram Make sure your name is on the list to secure your spot in The WIIRE Community  Leave us a review on Apple Podcasts Leave us a review on Spotify Join our private Facebook Community Connect with us on Instagram

Justin Humphries reveals his fundamental principles for rapidly growing opportunities and income in an uncertain job market.— YOU'LL LEARN — 1) How to multiply your inbound opportunities2) The simplest way to expand your professional network3) The key that keeps people coming back to youSubscribe or visit AwesomeAtYourJob.com/ep1149 for clickable versions of the links below. — ABOUT JUSTIN — Justin Humphries is a dedicated Loan Officer with experience since June 2021, specializing in VA, first-time homebuyer, and DSCR loans. A Nashville native, Justin is deeply motivated by personal and professional growth, drawing strength from his faith, family, and a passion for building meaningful relationships. He takes great pride in helping clients align their mortgage strategies with their life goals, aiming to support them in building long-term wealth. Justin values the opportunity to develop lasting connections with customers who return to him year after year for their mortgage needs.Beyond his professional work, Justin is actively involved in his church community, serving on the parish council and volunteering with the Society of St. Vincent DePaul to assist families at risk of homelessness. He is happily married to his wife Stephanie and is a proud father of three young children, including twins.• LinkedIn: Justin Humphries• Profile: Justin Humphries• Phone number: +1 615-438-8125• Email: jhumphries@loandepot.com— RESOURCES MENTIONED IN THE SHOW — • Tool: Claude for Google Chrome• Article: “Researchers Asked LLMs for Strategic Advice. They Got “Trendslop” in Return.” by Angelo Romasanta, Llewellyn D.W. Thomas and Natalia Levina• Study: “Death Squared: The Explosive Growth and Demise of a Mouse Population” by John B. Calhoun• YouTube: Squat University• Book: Rebuilding Milo: A Lifter's Guide to Fixing Common Injuries and Building a Strong Foundation for Enhancing Performance• Book: The 7 Habits of Highly Effective People: 30th Anniversary Edition by Stephen R. Covey• Previous episode: 184: Building Your Network Before You Need It with Dr. Ivan Misner— THANK YOU SPONSORS! — • Keepsake Voices. Get mom something special and save about $100 with keepsakevoices.com/pete• Scribe. Book a personalized enterprise demo with scribe.how/awesome• Narwhal. Treat your home to spotless, fresh floors with us.narwhal.com/pete.• Monarch.com. Get 50% off your first year on with the code AWESOME.• Gusto. Get three months free when you run your first payroll with gusto.com/AWESOME• Shopify. Sign up for your $1/month trial at Shopify.com/awesomepod• Vanguard. Give your clients consistent results year in and year out with vanguard.com/AUDIOSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today, Jason sat down with Caleb Christopher to break down how creative finance is actually being used in today's real estate market, especially for property managers looking to grow beyond traditional deals. In this episode of the #DoorGrowShow, property management growth expert Jason Hull and Caleb Christopher discuss strategies like subject-to deals, the due on sale clause, wraparound mortgages, and other creative transaction structures, along with how property managers can use these tools to acquire more doors, help investors expand their portfolios, and even build their own. You'll Learn [00:09] Introduction to Creative Finance in Real Estate [01:01] Caleb Christopher's Entrepreneurial Journey [04:39] Understanding Subject To Deals [10:10] Opportunities for Property Management Business Owners [11:45] Navigating Legal Counsel in Creative Finance [14:17] Understanding Wraparound Mortgages [19:45] Creative Financing Structures [22:27] The Role of Creative Transaction Consulting [27:06] Building Relationships in Property Management Quotables "If you have a business and you don't know what to do with those opportunities, other people do, and you can get paid a referral fee." "The due on sale clause is always going to be a stone hanging over your head. You can't get rid of it." "Your low-interest mortgage is an asset I'm willing to buy." Resources DoorGrow and Scale Mastermind DoorGrow Academy DoorGrow on YouTube DoorGrowClub DoorGrowLive Transcript Jason Hull (00:01) Five, four, three, two, one. All right, welcome everybody. I'm Jason Hull, the founder and CEO of DoorGrow, the world's leading and most comprehensive coaching and consulting firm for long-term residential property management entrepreneurs. For over a decade and a half, we have brought innovative strategies and optimization to the property management industry. At DoorGrow, we are on a mission to transform property management business owners and their businesses. We want to transform the industry, eliminate the BS, build awareness,   change perception, expand the market, and help the best property management entrepreneurs win. Now, let's get into the show. All right, so in today's episode, I'm hanging out here with Caleb Christopher. Welcome, Caleb. And we're gonna be chatting about creative finance and what it really looks like in today's real estate market. And Caleb's gonna share practical insights from his time in the industry, breaking down strategies like Sub 2, Subject 2 Deals.   Caleb Christopher (00:46) All right, thank you.   Jason Hull (01:01) the due on sale clause, wrap around mortgages and other creative transaction structures to give a helpful real world perspective for anyone looking to get started in creative finance. for property managers, know creative finance is how you help your investors get into more units and they all want to manage more units. So cool. Welcome Caleb.   Caleb Christopher (01:24) Thank you. I live creative finance, so ask in any direction.   Jason Hull (01:26) So, yeah, it's your   thing. Yeah, yeah, you live it. It's your middle name, right? Yeah. So Caleb was showing me he has paint on his arm from right, like, I don't know where he, yeah, he's been doing some stuff. He's like legit into the work. He's got rental properties. So he's down in the, in the paint. So Caleb, give us a little bit of background on yourself.   Caleb Christopher (01:32) Yeah.   Yeah. I've got rental properties.   Jason Hull (01:51) at kind of your, how did you get into doing what you're doing now? What's sort of your entrepreneurial journey for the entrepreneurs listening?   Caleb Christopher (01:58) Yeah, so entrepreneurship has gone way back for me. What, I'm 38 now? I'm almost 39. 39 feels a lot closer to 40 than 38, by the way. ⁓ As an entrepreneur, I'm like, wait, that's like one of those. Anyway, so.   Jason Hull (02:06) Yeah, yeah.   It's a milestone, yeah.   I'm a decade older than you. was born in 77. So I'm feeling even older now. Keep going.   Caleb Christopher (02:18) Okay.   You look fantastic.   So entrepreneurship in fifth grade, I found these mechanical pencils that would come apart in the middle and they were different colors. And I bought them in bulk at Costco and resold them to my classmates in whatever color combinations they want. Mates started making money. I was like, this is kind of cool. And I like customizing stuff. So that was cool. And then a bunch of little stuff like that. And it ended up where I ran a paintball field out of my parents' house in the woods. I liked working. like work as my hobby.   Jason Hull (02:23) Thank   Yeah. Okay.   Yes.   Caleb Christopher (02:48) but also paintball. I've got a 12 year old, we're building a paintball course in my, at my house now, cause he's just starting to get into it. So, but I did that and I bought rental gear and I funded my paintball journeys by having other people rent from me. And so that was that. And then I got into IT and cybersecurity consulting. So entrepreneurship has been a thing where I'm just always adding value, always had a second job, some, some other gig where I like to help do creative problem solving.   Jason Hull (02:48) Yeah, fun.   Yeah, good time.   Nice.   Yeah.   Caleb Christopher (03:15) And then I discovered real estate when I couldn't sell my house. The one I'm in right now was right next door to family, which was great, but I couldn't sell the one I was in. And so I had to rent it out and I became an accidental landlord and refinanced the property. And then I read Rich Dad Poor Dad and I was like, thank God I have a rental property. And that was the beginning of the real estate journey.   Jason Hull (03:27) Yeah.   Right, right. And everybody, you have to read Rich Dad Poor Dad. I think it's a requirement. And then you want to get out of the rat race and yeah, yeah. We would play.   Caleb Christopher (03:41) Yeah.   Yeah. Start building wealth. Just   treat, treat houses like a retirement account. Slow building. Even if you don't do anything else, if you get a few rentals, you're in a pretty good shape.   Jason Hull (03:56) Yeah. Have you seen Robert Kiyosaki's game, the board game? Yeah, probably. Maybe it does all the math for you. ⁓ yeah. We did it the hard way and I would just make my wife do the math. I'm like, go ahead, Sarah. You do this. She's like, she likes it. She thinks that part's fun. Yeah. Right. That's why she's the COO and not me.   Caleb Christopher (03:59) Yeah. It's easier to play online than it is the board game.   It does. Then you don't have all the little cards handing back and forth. So yeah, I highly recommend just running a private game on a computer.   Okay, what a blessing.   Jason Hull (04:25) All right, so cool. Well, let's get into this. Let's get in this topic. So tell us about the first thing mentioned in the intro was like the subject two deals, like this strategy.   Caleb Christopher (04:39) Yes, so sub 2 is when you take a property subject to something else. It could be a federal IRS lien. It could be the person's mortgage. It's always, by the way, everybody does sub 2 deals and they just haven't thought of it this way. When a utility company comes to dig up a chunk of your yard and you can't say something about it, that's because you bought it subject to easements, rights of way, etc. So...   Jason Hull (04:52) Okay.   Yeah, easements.   Caleb Christopher (05:04) There are external things that can act upon you or your property because you bought the property subject to them. What we do in subject to deals is we add the loan to the list of things taken subject to. So if the mortgage company notices that you sold a house to me without paying off the mortgage, right? The deed transfers to me and I'm making your payments now. That's a sub two. ⁓ if they notice and if they care, they can accelerate that loan because of the due on sale clause. So kind of two birds with one stone with this description. It exists in every.   Jason Hull (05:24) Yeah.   Yeah, doesn't that void most loans or?   Caleb Christopher (05:34) loan I've ever seen. Maybe not in a seller finance loan if you explicitly exclude it. It's not required, but a due on sale is a good protection for a lender to have because if you transfer and if they care, they can accelerate. It doesn't require them to. They can.   Jason Hull (05:36) Right.   but they can and   some terms in loans I believe also if you if it switches ownership, they it says it maybe negates the terms of the agreement or.   Caleb Christopher (05:59) Nope, it doesn't cancel anything else. it's, and a lot of people are like, is sub two illegal? No, it's not illegal. Here's when it is illegal. If I'm borrowing with the intent to hand it to somebody else, the deed, it was never my intention to occupy the property or to satisfy the requirements. And I'm misrepresenting or providing materially false information. That's fraud and that's illegal. However,   Jason Hull (06:04) Thank   Okay.   Okay.   Caleb Christopher (06:24) If I buy the house and I move into it as my primary residence or whatever the occupancy requirements are, and then I decide later on to sell it subject to the mortgage, I can do that. And that's a violation, a civil violation of the mortgage contract, which says if you transfer without paying us off or without our permission, we can accelerate the loan. But it's a defined default and a defined remedy.   Jason Hull (06:42) I see.   So I had a client and what he was doing is he was helping facilitate deals and his way of kind of getting around stuff was he would set up a trust. He would place the business, the current owner of the property as, you know, as one of the members of that trust. So they still had that person in place. They would just decrease their ownership stake through the trust, right? So.   Caleb Christopher (07:07) Still technically a violation of the due on sale clause. Some people think Garn St. Germain Act protects an investor like all trust acquisitions from a due on sale, which is not true. By the way, a little more background. I'm very technical. read laws and rules and court cases. so if anybody's got a, I'm giving you a real technical answer here, not an attorney though. The Garn St. Germain Act protects family transfers, but not an investor purchase, even if you leave the seller as a partial owner. Technically it's still a violation.   Jason Hull (07:16) Yeah. Yeah.   I love it.   Mm-hmm.   Got it.   Yeah.   Caleb Christopher (07:36) but it's less likely they'll notice.   Jason Hull (07:38) I see the sub two guys, Pace Morby or whatever his name is. And I just see a lot of people saying, this is illegal or you can't do this. And people come after him all the time. And I don't know. I don't know what. I'm not as technical maybe as you. So I don't know. What's your take on that?   Caleb Christopher (07:54) It's absolutely not illegal. It's illegal to misrepresent something at any time, but there's no duty or compunction in the contract for me to notify you as my lender that I've transferred the property. Even if there was, that would just be another violation of the mortgage contract and not something criminal.   Jason Hull (08:05) Got it.   Got it, okay, right. You're not going to jail over it, but okay. So if you're doing the subject two or if like some of the property management business owners listening are wanting to maybe take over the ownership of some of the rental properties that they're.   Caleb Christopher (08:23) Yeah, dude.   Can I say that is, think, the number one opportunity for a property management company owner is you can either do acquisitions for yourself by taking over tired landlords' properties. My goodness. Hey, are you tired of this property? I'll take the deed. I'll pay you X cash and I'll just take over the payments. Huge opportunity. Also playing middleman, if you know sub 2 investors. If you've got tired landlords, you have an opportunity.   Jason Hull (08:30) Yes.   Hmm.   Caleb Christopher (08:51) You can be the buyer or you can be the middleman who finds the buyers who are willing to take those over. And if it's older debt with a lower interest rate, I'm telling you, I will pay more for that property than I will for to get a new, the same property with a new loan.   Jason Hull (08:56) Right.   Yes, yeah. So, I mean, really, the smartest thing a property management business owner can do is build up their own portfolio, right. And rather than just helping everybody else build up theirs. And we've got a client and he I think he has like he has two, three hundred doors in his business. He owns all of them. He basically just uses his property management business as a honeypot. People come to him, say, hey, I need management. And then he he said, well, let's take a look at your property situation.   And then he's like, yeah, well, if you sell this, you're going to have all these taxes and all these issues. And man, if only there was a way you could still get paid on this, but avoid that. And then he convinces them to do seller financing without telling him it's seller financing, sort of. Right. And so then he like just takes over the ownership and he keeps paying them to pay them off. And so he's got this really sizable portfolio. And during the, when the   Caleb Christopher (09:37) Hmm.   Jason Hull (09:56) If the market shifts a certain way, he's taking on millions of dollars in assets pretty easily, you know, having these conversations. And so, yeah, I think there's definitely an opportunity for property management business owners to be paying attention to this. Is there anything else you would want to say about subject two that maybe they should be aware of or?   Caleb Christopher (10:10) Yes.   I mean, there's plenty of discussions to be had when you get down into the details. Knowing what it is is the first stage. I would just remind back on this last point, if you have a business and you don't know what to do with those opportunities, other people do and you can get paid a referral fee. So don't sit on the fact that you've got tired landlords. Send out a survey and like, if somebody came to you with an offer today, would you sell?   Jason Hull (10:17) .   Right. Yeah. And the thing is, as a property manager, they have this, they have several advantages, but one, they know the market, they know which properties would cashflow the best, they know what they could rent for. They're connected to real world reality, unlike a lot of real estate agents in the market when it comes to rentals. And they have a large portfolio of owners. So if one owner is like, want to sell, they've got a whole bunch of others. They could say, Hey, do you want this? So they could do that middleman thing that you were talking about.   Okay. Love it. think it's, it's just smart. And, it sounds like the biggest challenge would be the, the sound like the, sounds like the most difficult piece of this would be, how do I get really solid legal counsel for making sure that this is done or structured the right way? Or we keep the loan intact.   Caleb Christopher (11:06) That's it. We're done with the episode. That's the main point.   Excellent.   Yeah. So one thing, the due on sale clause is always going to be a stone hanging over your head. You can't get rid of it. And if you can't take that heat, you got to stay out of the kitchen, basically. That said, I have resolved due on sale on consumer loans, not DSCR. I've resolved due on sale with consumer slash investment property loans for the individual buyer borrower. But where was I going with that?   Jason Hull (11:30) Yeah.   How did you solve   this? Is this like a trade secret or can you share with the audience?   Caleb Christopher (11:48) Nah,   so the broad strokes are pretty obvious. It's the details that kill you. it's basically, if I bought your house subject to, and they accelerate the loan, then I'm going to try to call them and negotiate them away off the cliff, right? Like, hey, I'm making the payments. What's really the problem? Can I assume this? What options do we have? If they're inflexible, the bigger banks, then I'm going to have to go with technical compliance, which is I'm going to deed the property back to you.   Jason Hull (11:54) Yeah.   Caleb Christopher (12:15) And then we just get into this whole thing like, yeah, but what if I deed it to you and you don't sign the next document back to me to let me continue like a master lease where I keep all the profits or whatever we want to call it. Ideally, we just restructure the transaction with paperwork that's either less visible or completely acceptable to the lender.   Jason Hull (12:31) Got it. So this is just a conversation with the lender, basically, hey, this is what's happening. How do we make this work? So everybody's happy.   Caleb Christopher (12:37) and the bigger banks will not tell you how   to make it work. They'll just require you to show evidence that ID to the property back to you. But that's only one part of the puzzle, because we still need to restructure the transaction internally.   Jason Hull (12:44) I see. Okay.   Right. So then it's between you and the homeowner. Yeah. Got it. And there's just making a a deal where they're making your there's money being exchanged, even though the legal technical ownership hasn't really shifted.   Caleb Christopher (13:04) Right. There's a paperwork dance around any obstacle. Now you asked about legal counsel. Lawyers are good at saying no. I'm not going to discourage. Here's my law degree right here. I don't have one. So yes, I'm never going to discourage somebody from getting an attorney involved. My concern is a lot of times they don't have the direct experience on these types of deals. And when they see risk, they say no. ⁓   Jason Hull (13:10) Right. That's their default. Right. It looks just like mine.   Yeah.   Yeah.   That's the safest   thing for them to do.   Caleb Christopher (13:30) That's right. And when I go to an attorney, I'm like, I'm not, I'm paying you to tell me how not tell me no.   Jason Hull (13:37) Right. The pre-frame with attorneys is everything. I say the similar thing. You don't go to the attorney and say, hey, how can I get out of this horrible contract with this franchise I'm in, for example? It's this is what I want to do. What's the best way to do this? I'm going to do it. Yeah. So you give them the right pre-frame.   Caleb Christopher (13:49) Figure out how. Well, you can't because there's this risk.   And I'm like, yeah, there is risk. I need to accept a few risks here because let's be outcomes oriented. And if you can coach an attorney to be outcomes oriented before you start spending a bunch of money on them, then great. That said, I've had a hard enough time finding that in every state. that's why entrepreneurial, I started Creative TC, which is transaction consulting, because I've been there and I've done that with dozens of deals per month for the last four years next.   Jason Hull (13:59) Yes.   Yes.   Caleb Christopher (14:17) in a couple of weeks here. we've touched literally thousands of these deals. We've seen them up, down, left, right, sideways and back.   Jason Hull (14:18) Got it.   Yeah, so the short answer is call Caleb. Yeah, okay, cool. So the next thing is like, we talked about the do on sale clause a bit. I don't know if there's anything else to mention on that. And then we can go into wraparound mortgages.   Caleb Christopher (14:27) Yeah.   Yeah, I love it.   Jason Hull (14:40) I'm not familiar with wraparound mortgages.   Caleb Christopher (14:42) Okay, it's like you ever go to Chipotle and they make that big fat burrito? What if they put a second tortilla around it?   Jason Hull (14:47) yeah.   then it's way less likely to break open.   Caleb Christopher (14:53) Very good. Very good. I think there's a lot of good analogies here with wraparound mortgages. So mortgage is a contract that says, by the way, a lot of people get this backwards, a mortgage, you give the bank a mortgage, they gave you a loan. It's not the other way around. So when you give the bank a mortgage, you're saying, hey, in exchange for this $500,000, you can foreclose if I don't pay it. That's the mortgage. It gives them the right to foreclose. We want to do that to be ethical.   If I bought your house subject to the existing mortgage, ideally we would do something called a mirror wrap. Now, if you had equity and you wanted to finance me a larger dollar amount than what you owe, can change that. But a mirror wrap says, hey, here's the existing loan. We're putting another one around it. That way you can foreclose on me for non-payment, just like the bank can foreclose on you. So if I don't make your payments, you can still pay your payments so that your loan is in good standing and they can't foreclose on you. But   Jason Hull (15:33) Thank   Caleb Christopher (15:47) when I'm not making payments, you can foreclose on me. So a mortgage basically just says, you have the right to foreclose on somebody for violating the terms of the mortgage.   Jason Hull (15:58) Yeah, okay, clever.   Caleb Christopher (15:59) as opposed   to a naked sub 2. Like if I just took the deed and said, I'll make your payments. Cool, but yeah, yeah. It's like, but wouldn't you like the ability to foreclose if I don't? That's a wraparound mortgage.   Jason Hull (16:04) Yeah, cool. If I really trust you, but trust the verify, right? So.   Right, yeah, like worst case scenario,   it's like, you know, just like getting into a relationship pre-nup, post-nup, like making sure there's, like if things go bad, which nobody plans on, it's not gonna be as bad. Yeah.   Caleb Christopher (16:25) Right. It's a stop   loss, right? It will cost you money to foreclose on me, but your credit's on the line, so you can still protect it to some degree.   Jason Hull (16:34) Okay, yeah, cool. I like it. And I would imagine the owners like this too. Everybody likes this. This makes everybody feel safer.   Caleb Christopher (16:42) Yes, so that's one aspect is it's the safe legal ethical way to do it. The other piece is that you can use if I've got a 4 % interest mortgage. Actually, I've got one that's a 3.625 a sub 2 in Colorado. If I sold this to a new buyer right now on seller finance, I would give them a wraparound mortgage. But what would I be doing? Would I pass that 3.625 to them?   Jason Hull (16:46) huh.   Mm-hmm.   Well, no, you get a cut, right? Yeah.   Caleb Christopher (17:07) I would rather mark it up to 8 %   or seven or so, whatever's practical today. So I can keep the difference. can arbitrage the interest rate. So wraparound mortgages work not only for the ability to foreclose on a non-payer, but you can also increase either the total amount financed or the rate or both. And so wraparound mortgages can be used to transfer as a profit mechanism as well. And when you own the house that I sold you, I don't have to fix your toilet. You just have to pay me every month.   Jason Hull (17:36) Right, so in the case of the audience here, like property management business owner, they don't want to, like they could take over the property themselves, but they could also facilitate the deal and for the new owner, it's a higher percentage and they're just keeping the difference.   Caleb Christopher (17:41) Mm-hmm.   Sometimes you've got a tenant who has lived in a property for five years and they're a great tenant. You like, you want to help them out, but they can't seem to get a loan. It's like, all right, well, I'll let you make payments on this one. I don't like rent to own. Not the same because that's up your, you're conveying interest to them monthly. It's a convoluted mess. I would rather do a straight seller finance like this, where we do a wraparound mortgage and I'll bump the rate and you're going to pay me a premium, but you're going to get ownership.   Jason Hull (18:04) Yes.   Yeah, got it. Okay. Yeah, that's a healthier, safer way.   Caleb Christopher (18:20) And now I don't have to replace light   bulbs or fix toilets or repair the roof or whatever else goes on the plate.   Jason Hull (18:27) Unless you're the manager and you get paid to do that.   Caleb Christopher (18:30) What? It moves out of property management at that point if it becomes a seller finance. Yeah, they're the owner now.   Jason Hull (18:33) because somebody's buying it. They're not renting.   Got it. Yeah. OK, cool. Yeah, I like this idea, the wraparound mortgage. OK. Are there other types of wraparound mortgages? Is that the main thing?   Caleb Christopher (18:45) Now they're specific to your situation like what's best for you and what state you're in etc. I just had a conversation with somebody who used up all their available cash to get rent properties. Right, so they got three or four rentals, but they've got no cash left and they've got good interest rates and I said you could sell those on wraps and increase your cash flow every month and get a down payment from somebody and she was like what?   Jason Hull (18:48) Yeah.   ⁓   Caleb Christopher (19:12) I said, you want capital to do the next deal, right? Yeah. Okay.   Jason Hull (19:12) yeah. Right, so yeah, because that low interest rate is an advantage. So it's kind of sellable.   Caleb Christopher (19:20) It is and you can make a monthly bump.   Yes, it is your low interest loan. By the way, I just say this to people. Your low interest mortgage is an asset I'm willing to buy. The same house is worth more money to me with a low interest rate than I'll buy sub two. Then it is just on the market on average.   Jason Hull (19:29) No.   Okay.   Yeah, that's clever. Yeah, okay. Got it. Very cool. All right, so other creative structures.   any others.   Caleb Christopher (19:46) Yeah, so contract for deed or land contract, it's a seller, it's a type of seller finance. If I'm the seller, I like it because I hold legal title. And if I hold legal title, you can't place additional liens. Yeah, so I don't want you placing solar liens without my permission or water softener liens or a HELOC on top of whatever current balance is. So if I, if I sell to you on a wraparound mortgage, you have the full deed, legal title and everything.   Jason Hull (19:53) Okay.   Yeah.   Yeah.   Caleb Christopher (20:15) and you can place additional liens. You can use this property as security for other loans. I really don't want that complication in case I do have to foreclose and maybe take the property back if I bid what's owed. I don't want it coming back to me with an extra three liens or $40,000 worth of debt. So contract for deed is pretty ideal because I hold legal title, you get equitable title. And it's same seller finance term, same wraparound concept like markup interest rate and monthly payments and stuff.   Jason Hull (20:41) Got it, okay, very cool. These are fun little vehicles. There's like these magic little tool sets that you've got in your toolbox. Any others?   Caleb Christopher (20:48) I I like the master lease concept where it's like a sub 2, right? I'll make sure all your bills get paid, but I keep everything that comes back on top. I take it off your plate. I agree formally to cover any expenses related to the property, et cetera, but we're going to do it like a master lease with an option to purchase.   Jason Hull (20:59) Okay.   Thank   Caleb Christopher (21:10) If you're scared of due on sale, or if you've got a DSCR loan that will not tolerate a contract for deed or a trust acquisition or a full on sub two, we can do this custom master lease, which replicates all the parts and pieces effectively without violating that due on sale clause.   Jason Hull (21:28) Okay. And I know property managers sometimes are talking about things like, know, they want to get their investors into more property, right? So they're talking about things like maybe doing a 1031 exchange to get into a bigger property maybe, or doing cash out refinance to pull equity out to get into a next unit or next property. You know, these type of vehicles. But these additional tools you...   Caleb Christopher (21:35) Mm-hmm.   Mm-hmm.   Jason Hull (21:54) chat about today I think are very fascinating. I don't think a lot of them I haven't heard them talk about.   Caleb Christopher (21:58) Yeah,   mean, awareness is the big thing, right? You need to be aware that you can do some of these things, and then you find the person who can help structure it specifically for your scenario. But I see a lot of people who are like, I'm going to do a creative deal. And it's like, on what, though?   Jason Hull (22:12) Yeah.   Got it. Okay. So, I don't know if there's anything else we're missing or that you wanted to cover, but I think then the next question would be how, where do you fit into this? Cause you have a business that facilitates this or helps with this.   Caleb Christopher (22:27) Yeah. So I started Creative TC four years ago and this creative transaction consulting so that we could help make these deals safe, legal and ethical. You can imagine that it's pretty easy to do somebody dirty, whether you mean to or not, with these arrangements when somebody's credits on the line, they're convoluted. And so you need a guiding light. You need somebody to hold your hand, maybe be a lighthouse so you don't crash on the rocks. That's what Creative TC is. And so we consult on these deals nationwide to help people do them safely.   Jason Hull (22:35) Okay.   yeah.   Okay.   Caleb Christopher (22:56) And then I started Creative Title this last year to fill a void in the state of Colorado where a bunch of companies were pulling out of creative deals.   Jason Hull (23:04) Yeah, got it. So yeah, I get it. Yeah. And I'm sure a lot of times it's not even the, it's, everybody has good intentions, maybe from the very beginning. But when, as soon as something gets weird or sticky or confusing or challenging, then somebody's like, feels like somebody else is being unethical or do them dirty or whatever, or we don't have a, we don't have an exit path or we don't have a clear delineation of, you know, that makes everybody feel comfortable where we can split ways or part ways. so.   Caleb Christopher (23:12) Yeah.   Money's on the line.   Jason Hull (23:32) Yeah, having something structured right from the beginning, they say an ounce of prevention is worth a pound of care, right? And a lot of times I, when talking with my clients, because, know, in property management, have lease contracts, lease agreements, have the agreements or contracts they have with the owners for taking over the management of the property. And I, what I usually say to them is those are nice, but those usually only matter if you use them incorrectly. They only matter when you're at war.   Caleb Christopher (23:35) yeah. Yep. 100%.   Yes. ⁓   Jason Hull (24:03) It only matter when you're there.   So, but if you proactively review the agreements with them and go through it with them and help them understand it, it's then an onboarding tool and it helps set the frame of the relationship and it helps everybody understand. And because it doesn't matter what's written in agreement until you're at war. But before then, what matters is what they think is written in that agreement. And so making sure that you go over things with them to make sure they understand this is paramount. And that like makes like,   Caleb Christopher (24:13) Yes.   I need, I need this as   a sound clip for my team because this is how I train my team as well. I just need it from somebody else because it sounds better coming from not me. ⁓ it's expectations management is absolutely essential, especially in creative finance deals where I'm making your payments, your credits on the line. If I don't make your payments, it hurts your credit score and can cause a foreclosure. The buyer and seller need to have that conversation. And sometimes it requires a third party to help facilitate. Hey, here's what happens.   Jason Hull (24:32) in a relationship.   Right, so you can use that.   Yeah.   Caleb Christopher (24:59) Here's how to manage those expectations. Let's look at this. We're not just signing disclosures just because they're legally required or suggested, but we want to have a meaningful conversation and talk through the stuff so that everybody's on the same page because if the due on sale clause comes knocking, we need to be on the same team.   Jason Hull (25:14) Yeah, yeah. So my wife and I got married in Mexico because that's we wanted to get married there. And usually what people will do is they'll just do it legally in the US, but they'll do it symbolically in Mexico. And Sarah's like, no, let's let's do both there. Let's do it. And they make you list out your assets. It's almost like they're like proactively making everyone have a prenup, right? Now we already had a prenup. And then our lawyer was like, you also need to have a postnup. So we did that. And it's just like we know, like if   Caleb Christopher (25:34) Okay.   Jason Hull (25:42) for some reason there was a problem, like things went south, then it's not gonna be all out war, right? It's clear, you own this, I own this, this is how it works, this is how we part ways, here's how we split the business. And so everything, and this is what smart business owners do with their business when they get into business partnerships. And so without that,   And I think with your team, for example, the analogy that everybody understands is divorce, because 50 % of relationships in the US probably end that way. Everybody's been like maybe their parents or they've seen a family member or they've seen somebody go through this. And that's the epitome of not having a really solid planned out strategy from the beginning, because nobody was planning on this happening. But, know, an ounce of prevention is worth a pound of cure if you have that dialed in, they're not spending.   Caleb Christopher (26:10) Hmm.   Jason Hull (26:26) $20,000 in legal fees where only the attorneys are winning and you know, and then you're losing a bunch of stuff and this was yours and they didn't contribute to this, but now you have to give them half and all this kind of stuff. so, yeah, and so you help them kind of make both parties and everybody involved feel comfortable and then you get paid a consulting fee for doing handling this. Cool, very cool.   Cool, so I would imagine there might be some property managers listening to this. Any final words you'd like to say to them and how can they get in touch with you if they would like to help you facilitate some of stuff they're working on?   Caleb Christopher (27:06) I think the value of a property manager or a realtor is very much in who they know that's vetted. Okay. A realtor, it's like, I know a foundation guy. I know a roof guy. I know a flooring guy, right? That's what I'm paying you for. Not just your commission to take photos and have some conversations. I want to know who knows who you know, you can validate. The same thing is true for property managers. I got a repair guy, very consistent. I've got three different plumbers. If it's this type, I know this guy's got the best rates. That's what I want you to know.   when you're my property manager, that's what I'm paying you for. The same thing is true now with Creative Finance. It's like, hey, I know a guy that's an expert that has 255 star reviews at what they do. They only do this thing and they do it really well. So if you want to buy or sell Creative Finance, let me call Caleb. I'm that guy.   Jason Hull (27:53) Yeah, mean, a lot of the best property management business owners are viewed by their clients as an investment expert or advisor. And the best investment people or advisors have a whole toolset of people in their back pocket, whether it's trust attorneys or somebody like Caleb, right? They have all these different resources, maybe lenders, you know.   They have all these different resources available to facilitate deals. And that's how some property managers are able to help their clients get into more property and have more deals to manage. Or like we talked about at the outset, even better, how to get more ownership stake over all the properties that you're managing and build up your own portfolio and your own wealth.   Caleb Christopher (28:37) Yeah, because I should be able to call my property manager and say, who's good at DSCRE finances in your area? Who do you like? I don't know. Okay. Maybe be a little more helpful.   Jason Hull (28:44) Yeah. Yeah.   Yeah. Yeah, got it. All right. Awesome. Well, Caleb, I appreciate you coming here on the door grow show. How can people get in touch with you?   Caleb Christopher (28:57) right. The easiest way, because I own multiple companies, calebchristopher.io. That's got links to Creative TC for the consulting, Dosgard to fix due on sale, and Creative Title Company in Colorado and Tennessee.   Jason Hull (29:09) Perfect, awesome. Hey, thanks for being on the DoorGrow show. All right, for those watching this, if you're listening, if you've ever felt stuck or stagnant and you wanna take your property management business to the next level, reach out to us at doorgrow.com for free training on how to get unlimited free leads. Text the word leads to 512-648-4608. Also join our free Facebook community just for property management business owners by going to doorgrowclub.com. And if you want tips, tricks, ideas,   Caleb Christopher (29:12) It's been a pleasure.   Jason Hull (29:37) to learn about our offers at DoorGrow. Subscribe to our newsletter by going to doorgrow.com slash subscribe. And if you found this even a little bit helpful, don't forget to subscribe and leave us a review on whatever channel you found this on. We'd really appreciate it. And until next time, remember the slowest path to growth is to do it alone. So let's grow together. Bye everyone.

Most investors start with their local bank because the rate is better. Then the DTI Avalanche hits at property three, four, or five, and the regret starts. In this episode of Chasing Financial Freedom, Ryan DeMent walks through exactly why local bank financing becomes a ceiling for scaling investors, how stacking properties on your personal credit quietly destroys your ability to grow and buy your own home, and what guardrails every investor needs before signing any financing. From LLC titling and personal guarantees to autopay transfers, prepayment penalties, and conservative rent comps in a softening market, this episode gives you the full picture so your next financing decision is built on strategy, not just the lowest rate on the page.

What did you think of todays show??Most fund operators get paid whether your money performs or not — acquisition fees, management fees, prefs that don't actually pay until years in. Drew Wiard built his fund the opposite way: zero fees, and he personally guarantees every loan, so he doesn't get paid until you do. In this episode, Drew is back for round four on why that skin-in-the-game structure is the alignment most operators won't touch, why industrial is the unsexy corner of the market nobody posts about on Instagram, and bonus depreciation that puts 20–30% of your capital back in year one.Topics discussed:Introduction (00:00)Why finance-space culture is so different from real estate (03:13)Multi-family vs. single-family — where's the downside really at? (08:15)Why lenders are bypassing appraisals entirely (10:48)The DSCR fraud ring lenders are still cleaning up (13:25)Inside Drew's commercial industrial fund (16:49)The personal-guarantee structure most operators won't touch (21:55)Why industrial real estate isn't on Instagram (and why that's the opportunity) (25:25)Triple net leases and how Drew adds value without flipping (30:32)The 20–30% bonus depreciation play for high-W-2 earners (32:55)Investment thesis discipline: make money, don't lose money (37:22)Concentration risk and the case for taking chips off the table (46:25)Sign up to join the FREE Scale Community! https://collectingkeys.com/Want deeper breakdowns like this every week? Subscribe to the Collecting Keys newsletter! https://collectingkeys.com/newsletter/Connect with Drew Wiard:https://www.linkedin.com/in/drew-wiard-4b99bba3/https://www.instagram.com/theflyinginvestorFollow us on Instagram!https://www.instagram.com/collectingkeyspodcast/https://www.instagram.com/mike_invests/https://www.instagram.com/investormandan/https://www.instagram.com/dylan_does_dealsThis episode was produced by Podcast Boutique https://www.podcastboutique.com

Too many investors chase interest rates and ignore structure. They worry about an eighth of a point while overpaying on taxes, misunderstanding underwriting, or choosing the wrong loan product entirely. In this episode, Fred SaintAmour of Boathouse Commercial Funding Group breaks down how lenders actually assess risk and why most investors misunderstand leverage. We cover: How debt service coverage ratio (DSCR) loans really work When hard money makes sense — and when it doesn't Why collateral and marketing time matter more than you think What immediately disqualifies a deal How to structure loans through LLCs without wrecking your credit Why waiting for lower interest rates can cost you more than acting now The biggest mistakes investors make when qualifying for financing Fred explains the difference between market price and investment value from a lender's perspective, and why certainty of execution often matters more than rate. If you are growing a rental portfolio, refinancing existing assets, or evaluating bridge loans, this episode will help you think more clearly about financing structure. Guest: Fred SaintAmour Loans for landlords, real estate investors, and entrepreneurs. Website: https://boathousecfg.com Email: Fred@BoathouseCFG.com If you are an accredited investor and would like to learn more about participating in private lending opportunities, visit: https://higinvestor.com Today's episode is brought to you by Green Property Management, managing everything from single family homes to apartment complexes in the West Michigan area. https://www.livegreenlocal.com And RCB & Associates, helping Michigan-based real estate investors and small business owners navigate the complex world of health insurance and medicare benefits. https://www.rcbassociatesllc.com

Most investors lose their deals not at the closing table but at the keyboard, where spreadsheet math, unverified rent comps, and the myth of low-rate high-leverage financing build a false picture of a deal that was never really there. In this episode of Chasing Financial Freedom, Ryan DeMent walks through a real investor call where a projected DSCR of 1.35 collapsed to 1.09 once realistic numbers were applied, and explains exactly why loan-to-value and interest rates always move in opposite directions on DSCR loans. If you are serious about building a cash-flowing portfolio and tired of deals dying at the finish line, this episode will help you stop trusting the spreadsheet and start underwriting like the lender who is about to approve or deny your loan.

Join Dustin Heiner's 1on1 Real Estate Investor Coaching: https://masterpassiveincome.com/coachingGet my real estate investing course for free! https://masterpassiveincome.com/freecourse//BEST REAL ESTATE INVESTING RESOURCE LINKSStart your LLC for FREE! https://masterpassiveincome.com/formanllcGreat High Interest Savings Account: https://masterpassiveincome.com/citGet your business bank account here: https://masterpassiveincome.com/baselaneGet your business credit card with 2% Cash Back with NO FEE! https://masterpassiveincome.com/amexLearn more about Dustin Heiner and find resources to build an automatic real estate investing business: https://masterpassiveincome.com/AI is taking over all jobs and if you are not investing in real estate, you will not be able to afford to live.Links referenced in this episode:masterpassiveincome.com/freecoursefinancial independence, quit your job, real estate investing, passive income, financing options, creative financing, rental properties, property investment, investment strategies, cash flow, money management, DSCR loans, FHA loans, hard money loans, seller financing, private money loans, portfolio loans, home equity loans, investment coaching, financial educationThe salient point of this episode revolves around the concept of overcoming analysis paralysis in real estate investing. I, Dustin Heiner, am joined by Marwan Higgy, an engineer who initially faced significant indecision when evaluating numerous investment opportunities. Together, we delve into the transformative journey that led him from extensive analysis to decisive action, ultimately resulting in his success in purchasing a duplex in Ohio that generates a substantial cash flow. As we explore Marwan's experiences, we emphasize the importance of taking actionable steps and the value of mentorship in navigating the complexities of real estate investment. This discussion serves as a crucial reminder that the path to financial independence is not solely defined by meticulous calculations, but by the courage to take that first leap into investment.The discourse unfolds with a profound exploration of the intricacies surrounding real estate investment, predominantly addressing the phenomenon of analysis paralysis. Within this insightful dialogue, the host, Dustin Heiner, engages with Marwan Higgy, an engineer turned real estate investor who candidly shares his transformative journey from indecision to decisive action. Marwan elucidates the mental barriers that often besiege prospective investors, particularly those with analytical backgrounds, as they grapple with the overwhelming data and potential risks inherent in property acquisition. By recounting his personal narrative, Marwan illustrates the pivotal moment when he transitioned from extensive analysis to actionable steps, emphasizing the importance of a structured approach in overcoming self-imposed limitations. This episode serves as a clarion call for aspiring investors, urging them to embrace a methodical yet flexible strategy that prioritizes action over perpetual analysis.Moreover, the conversation delves into the current real estate landscape, which Dustin asserts is poised for a resurgence reminiscent of the post-2008 downturn. He articulates the implications of rising interest rates and their effect on property availability, positing that such economic conditions will ultimately benefit astute investors. The episode culminates in a call to action, encouraging listeners to seize the moment and embark on their investment journeys, armed with knowledge and support from seasoned mentors like Dustin and Marwan. The overarching narrative encapsulates a blend of personal growth, strategic insight, and an unwavering belief in the potential of real estate as a vehicle for financial independence.In a more granular examination, the episode also highlights the formation of a Master Passive Income inner circle, where like-minded individuals convene to foster collaboration and learning. This initiative underscores the significance of community in the realm of investment, as participants share their experiences, challenges, and victories. The camaraderie forged within this group not only enhances individual knowledge but also cultivates a supportive environment where investors can thrive collectively. Overall, this episode not only provides a roadmap for overcoming analysis paralysis but also instills a sense of urgency and possibility for those ready to embark on their real estate ventures.Takeaways:The current economic climate presents a unique opportunity for real estate investors to capitalize on declining property prices and rising interest rates.Overcoming analysis paralysis is essential for aspiring investors, as taking action is crucial to achieving financial independence through real estate.Engaging with a supportive community and seeking mentorship can significantly enhance one's real estate investing acumen and facilitate successful transactions.The importance of diversifying investment strategies, including considering creative financing options, cannot be overstated when navigating the real estate market.Networking with like-minded individuals at events such as Income Building Live can provide invaluable insights and foster fruitful collaborations among investors.Investors should focus on cash flow rather than solely on property appreciation to ensure long-term financial stability and growth in their portfolios.NOTE: This description may contains affiliate links to products we enjoy using ourselves. Should you choose to use these links, this channel may earn affiliate commissions at no additional cost to you. We appreciate your support!

The Co-Living Lending Playbook: How Smart Investors Structure DealsFinancing is the part of co-living that most investors underestimate… until a deal almost falls apart.In this episode of The Co-Living Show, Miller McSwain and Craig Curelop sit down with Jessica Khani, a top 1% loan originator and real estate investor who has helped structure and close a large portion of their portfolio. They break down what actually happens behind the scenes of getting deals funded—and why the right lender is often the difference between scaling and getting stuck.This is not theory. These are real stories, real deals, and real mistakes.

This episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/Is now the right time to invest in real estate—or should you wait?In this episode, host Matthew Seyoum sits down with lending expert Hans Stone from Blueprint Home Loans to break down what's really happening in today's market. With global uncertainty, rising interest rates, and investor hesitation, many are sitting on the sidelines—but experienced investors are doing the opposite.You'll learn why today's market conditions may actually present one of the best buying opportunities in years, how lending strategies are evolving, and what separates investors who build wealth from those who miss out.If you've been waiting for the “perfect time,” this episode will challenge that mindset.Key Topics & Timestamps0:08 – Introduction & current state of the real estate market0:43 – Why uncertainty is causing investors to hesitate1:37 – The difference between passive vs active investors3:20 – Market cycles: Why waiting can cost you more4:49 – Best loan products in today's market (DSCR, conventional, ARM)5:12 – How investors are buying rates down into the 4% range7:25 – Builder incentives: $15K–$25K opportunities explained10:10 – Long-term investing strategy & Warren Buffett mindset11:43 – Why NOW may be a short-term window of opportunity12:23 – Builders, inventory, and why buyers have leverage14:52 – Real investor story: fear vs long-term results16:34 – Why pre-approved investors still aren't taking action16:40 – How to overcome fear and make confident decisions18:23 – Final advice: stop overthinking and focus on long-term gains

Your local bank will happily close your first investment loan, but what they will not tell you is that the loan could make your next deal nearly impossible to finance. In this episode of Chasing Financial Freedom, Ryan DeMent walks through the real differences between DSCR loans and conventional bank financing, including how investment loans on your personal credit affect your DTI, what questions to ask both types of lenders before you commit, why 1.25 is the minimum DSCR ratio worth pursuing in today's compressed rent markets, and how to use both lenders as tools rather than choosing one and hoping for the best. If you are serious about building a real estate portfolio and nobody has walked you through this side-by-side comparison yet, this episode will change how you approach every financing decision going forward.

Get my real estate investing course for free! https://masterpassiveincome.com/freecourseJoin Dustin Heiner's 1on1 Real Estate Investor Coaching: https://masterpassiveincome.com/coaching//BEST REAL ESTATE INVESTING RESOURCE LINKSStart your LLC for FREE! https://masterpassiveincome.com/formanllcGreat High Interest Savings Account: https://masterpassiveincome.com/citGet your business bank account here: https://masterpassiveincome.com/baselaneGet your business credit card with 2% Cash Back with NO FEE! https://masterpassiveincome.com/amexLearn more about Dustin Heiner and find resources to build an automatic real estate investing business: https://masterpassiveincome.com/AI is taking over all jobs and if you are not investing in real estate, you will not be able to afford to live.Links referenced in this episode:masterpassiveincome.com/freecoursefinancial independence, quit your job, real estate investing, passive income, financing options, creative financing, rental properties, property investment, investment strategies, cash flow, money management, DSCR loans, FHA loans, hard money loans, seller financing, private money loans, portfolio loans, home equity loans, investment coaching, financial educationNOTE: This description may contains affiliate links to products we enjoy using ourselves. Should you choose to use these links, this channel may earn affiliate commissions at no additional cost to you. We appreciate your support!Takeaways:Investing in real estate has become a necessity due to the changing economic landscape.AI advancements threaten many white collar jobs, underscoring the importance of income generation.The shift from wealth accumulation to income generation is critical for financial stability.Building a strong belief in oneself is essential for taking action in real estate investing.Surrounding oneself with successful individuals accelerates personal growth and investment success.The journey of real estate investing requires perseverance and a commitment to never give up.

After 20 years of buying and holding on the Front Range, the numbers finally said it was time to move. That moment of reckoning is exactly what this episode is about — and for anyone rethinking their Denver real estate portfolio strategy in 2026, it’s one of the most honest conversations we’ve had on this show. Adam Haman sat on an underperforming Aurora duplex longer than he should have, watched the ARM reset and the rents slide, and finally made the call. What came next is where it gets interesting. Chris Lopez sits down with Adam Haman, a Denver-based real estate broker at Your Castle Real Estate and longtime Front Range investor. Adam manages his family’s portfolio alongside his brothers and sister, and has built his holdings from a single duplex purchase in his mid-20s to a mix of duplexes, townhomes, and a full 13-building fourplex development in Colorado Springs — all built to rent. This episode is a real-time case study in portfolio rebalancing. Adam recently sold a problem duplex in Aurora after an ARM reset pushed his rate from 4.5% to 6.5% while Aurora rents dropped from roughly $2,200 per side to $1,800 — and staying full got harder. He walks through how he priced it, the lowball offers he received, and why he took a number that was lower than he’d hoped. At the same time, he’s doing a DSCR cash-out refi on a Greeley duplex he loves — locking a 30-year fixed at 6.5% and pulling out roughly $200,000 to redeploy into higher-yield income opportunities. In This Episode: Why an ARM adjustment and softening rents turned a cash-flowing Aurora duplex into a break-even liability How Adam priced, listed, and ultimately sold the property — and what the buyer’s DSCR loan had to do with the final number Where Adam sees buy-side opportunities right now, including Athmar Park and why he’s watching the Burnham Yards development Why he’s making disrespectful offers on investment properties — and how to do it in a way sellers actually respond to The Greeley duplex DSCR refi breakdown: 30-year fixed, $200K out, and why the spread into Dynamo Capital makes sense How a $6,500 earnest money deposit in 2018 eventually led to ownership of an entire Colorado Springs fourplex complex Why Adam is seriously looking at new construction duplexes in Texas — with builder rate buydowns under 4% and projected $600/month cash flow Colorado legislation, rental licenses, and what rising compliance costs mean for small landlords Watch the Youtube Video https://youtu.be/oaC-2wDXNEI Timestamps 00:00 — Welcome & Guest Introduction — Investor, Broker, 20 Years on the Front Range  01:32 — Adam’s Origin Story — Started at 25, Rookie of the Year, Then Sold Zero Homes in 2007  04:42 — Fail Fast Philosophy — Why He Wishes He’d Found Mentors Earlier  07:10 — The Aurora Duplex Problem — ARM Reset from 4.5% to 6.5% Plus Rents Sliding to $1,800  10:09— Walking Through the Sale — Listed at $575K, Final Number Around $539K and Why He Took It  14:10— Buy-Side Opportunities Right Now — Why Disrespectful Offers Are Back on the Table  15:00— Athmar Park Deep Dive — 18% Rent Decline, Burnham Yards, and the Path of Progress Question  16:08 — What Makes a Rental Perform — Lawns, Fenced Yards, and Two-Car Garages as the Formula  22:35 — Rebalancing Away from 100% Real Estate — Why He’s Diversifying Into Dynamo Capital  28:58 — The Greeley Duplex DSCR Refi — $200K at 6.5% Fixed and Why He Kept This One  25:17— Considering Texas — New Construction Duplexes at a 4% Rate Buydown Near San Antonio and Dallas  28:58 — The Greeley Duplex DSCR Refi — $200K at 6.5% Fixed and Why He Kept This One  36:47— Colorado Springs Fourplex Development — How $6,500 in Earnest Money Led to 13 Buildings  41:54— Colorado Legislation and Small Landlords — Rising Compliance Costs and What’s Changed  Links in Podcast Adam Haman — Your Castle Real Estate

Brent Graney, a seasoned mortgage expert with over 23 years of experience, shares insights on how automation is transforming mortgage lending. He discusses strategies for closing loans in two weeks, innovative products for investors, and how to navigate the evolving landscape of real estate financing.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Jason advocates for long-term wealth through income property, which is the premier asset class for tax benefits and inflation protection. He highlights significant updates for real estate investors, specifically regarding extended timelines for 1031 exchanges and improved terms for debt service coverage ratio (DSCR) loans. Listeners are encouraged to move beyond short-term market anxiety and adopt a big-picture perspective on financial growth and geopolitical shifts. Jason also announces a interactive contest involving historical real estate data (MLS) and promotes upcoming events focused on investment education. Finally, Jason introduces a historical analysis of three centuries of financial advice to determine which wealth-building strategies have stood the test of time. Then, Jason interviews Joseph Moore, author of "How to Get Rich in American History: 300 Years of Financial Advice That Worked and Didn't." Joseph shared insights from his decade-long research into financial advice across 300 years of American history, explaining how economic conditions have constantly changed and what strategies consistently worked for wealth building. He discusses seven key strategies that successful Americans employed, including building businesses, taking income from others' businesses, combining smaller incomes through side hustles, extreme saving strategies, leveraged investments, steady long-term investing, and marrying well. Joseph emphasize that while many current financial challenges are often perceived as unique to modern times, similar issues and advice have existed throughout American history, and he encouraged listeners to learn from past experiences to make better financial decisions today. https://www.josephmoorebooks.com/ #HowToGetRichInAmericanHistory #FinancialAdvice #WealthBuilding #AmericanDream #FinancialHistory #RealEstateInvesting #SideHustles #Capitalism #FIREMovement #FinancialIndependence #Investing #EconomicHistory #MoneyManagement #SuccessMindset #HolisticSurvival Key Takeaways: Jason's editorial 0:00 The big picture 2:45 income Property, the IRS, 1031 exchanges and DSCR loans 5:10 Guess the daete of this MLS book and win a ticket to https://empoweredinvestorlive.com/ this MAY! 7:29 Upcoming events: https://empoweredinvestorlive.com/ and https://mastermindyachtadventures.com/ Get a FREE account to https://propertytracker.com/   Joseph Moore interview 8:54 Learning to adapt to change  11:14 What worked, and what didn't 15:35 The American dream is dead 20:18 Crashes that didn't happen and some Quotes from The New York Times 21:44 Samples of those who failed and succeeded 25:28 The next big thing is usually a bad idea 27:20 The race to the future and stocks for the long run and goes up to the right 33:50 Women and Side hustles 37:18 Abigail Adams, the Warren Buffet of the 1800s 38:33 Leveraging income property 42:50 The original "Latte Factor," AirBNB and scams before the Internet 46:13 https://www.josephmoorebooks.com/    _______________________________________________________________   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com