Podcasts about fha

Melody Wright returns to unpack a housing market collapse accelerating faster than 2008. Foreclosure referrals are spiking 150% month over month, FHA delinquencies are climbing past 12%, and multifamily real estate securitizations are showing signs of fraud, mismarked debt, and vanishing capital. Wright and Marty dig into United Wholesale Mortgage's balance sheet troubles, Fannie Mae and Freddie Mac exposure, private credit stress, commercial real estate maturity walls, and why Bitcoin remains the hedge against a monetary system built on unchecked credit creation. Melody on X: https://x.com/m3_melody Melody's Substack: https://m3melody.substack.com/ Find the Home Mining Playbook here: https://www.tftc.io/home-mining-energy-playbook STACK SATS hat: https://tftcmerch.io/ Our newsletter: https://www.tftc.io/bitcoin-brief/ TFTC Elite (Ad-free & Discord): https://www.tftc.io/#/portal/signup/ Discord: https://discord.gg/yHGkvYxdqT Opportunity Cost Extension: https://www.opportunitycost.app/ Shoutout to our sponsors: Block: Cash App: For a limited time, new customers can get $21 added to their balance. Just use code TFTC10 when you sign up, and send at least $5 to a friend in the first two weeks. Terms apply. Bitcoin services by Block, Inc. See the Bitcoin disclosures at cash.app/legal/podcast. Square: Visit http://square.com/go/tftc for up to $200 off eligible Square hardware. Bitkey: Use code TFTC10 for 10% off the new Bitkey. Aven https://www.aven.com/bitcoin CrowdHealth https://www.joincrowdhealth.com/tftc Unchained https://unchained.com/tftc/ Salt of the Earth: https://drinksote.com/tftc Join the TFTC Movement: Main YT Channel https://www.youtube.com/c/TFTC21/videos Clips YT Channel https://www.youtube.com/channel/UCUQcW3jxfQfEUS8kqR5pJtQ Website https://tftc.io/ Newsletter tftc.io/bitcoin-brief/ Twitter https://twitter.com/tftc21 Instagram https://www.instagram.com/tftc.io/ Nostr https://primal.net/tftc Follow Marty Bent: Twitter https://twitter.com/martybent Nostr https://primal.net/martybent Newsletter https://tftc.io/martys-bent/ Podcast https://www.tftc.io/tag/podcasts/ Disclosure: Bitcoin services are provided by Block, Inc. Bitcoin services are not licensable activity in all U.S. states and territories, and not all services are available in all states. Bitkey is not available in New York. Block, Inc. operates in New York as Block of Delaware and is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Bitcoin is a non-deposit, non-bank product that is not FDIC insured and involves risk, including monetary loss. For additional information, see the Bitcoin disclosures: https://help.cash.app/btcdisclosures Get up to $200 off Square hardware when you sign up at http://square.com/go/tftc! #squarepartner. Offer expires December 31, 2026 at 11:59 pm PST. Offer for $40 off the cost of one Square Stand, $75 off the cost of one Square Terminal, $100 off the cost of one Square Handheld, or $200 off the cost of one Square Register, excluding applicable taxes. Limited to one discount per product type per seller account. Each code is limited to one redemption per account holder. Valid for new Square customers located in the US only. Offer not valid with guest checkout. Square reserves the right to modify, revoke or cancel the offer at any time. Offer cannot be combined with any other coupon. Void where prohibited, not redeemable for cash, and non-transferable. #squarepartner #blockpartner

Don't feel ready to buy your first rental property yet? Maybe you just need a better game plan. Today, we're covering three different but common situations rookies find themselves in leading up to that first deal. Whether you need a few actionable first steps or an extra push, we'll show you how to get started as soon as possible! Welcome back to another Rookie Reply! This week, we're tackling three questions from rookies who all have the same underlying worry: they don't feel ready to invest in real estate. First up, we'll hear from a college student with one year left to figure out financing, savings, and education before he buys. Someone else is thinking about long-distance investing and building his team, and finally, a listener with some money saved wants to take the next step toward building his real estate portfolio. The catch? He lives in one of the most expensive markets in the country. We're breaking down all the possible solutions, including house hacking strategies, how to think about FHA and conventional financing, why cash reserves matter—even on a primary residence—and the remote management tools that make investing from anywhere possible!  Looking to invest? Need answers? Ask your question here! In This Episode We Cover How to prepare to buy your first rental property (step by step) The software stack that makes remote property management (much) easier Creative ways to start building a rental portfolio in an expensive high-cost market How to invest in real estate from long distance (or even overseas) Why you should always have cash reserves (for each property!) And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠t⁠⁠tps://www.biggerpockets.com/blog/rookie-763. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dexter B. Jenkins. He is a Pastor, real estate entrepreneur, financial strategist, and host of Let’s Talk Real Estate. He is also the author of the newly published The Real Estate Wealth Creator Blueprint: Keys to Overcoming Fear, lack of Money, and Inexperience to Possess the Land. “The Real Estate Wealth Creator Blueprint by Dexter B. Jenkins isn’t your typical feel-good faith and finance book. It’s a wake-up call, plain and simple. For far too long, many believers have been trapped by misguided notions that faith and wealth don’t mix, or worse, that seeking financial success is somehow ‘unholy.’ Dexter blows that myth out of the water. As a pastor and financial mentor, he challenges you to stop limiting God’s abundance with a middle-class mindset. Real estate is the tool, but your faith is the engine that drives wealth creation. This book forces you to confront your beliefs about money, faith, and God's will—and if you’re not ready for that, this book isn't for you. But if you’re tired of playing small and are ready to align your beliefs with action, The Real Estate Wealth Creator Blueprint is the no-nonsense guide that will take you there." The uploaded document features an insightful conversation with Dexter B. Jenkins, a real estate entrepreneur, financial strategist, and pastor, on Money Making Conversations Masterclass hosted by Rashawn McDonald. Here’s a breakdown of the key topics and highlights: Key Themes & Highlights Overcoming Fear in Real Estate Jenkins explains that fear is the biggest obstacle for first-time buyers. He emphasizes education and networking as tools to overcome fear. Faith & Financial Success He discusses the intersection of faith and wealth creation, referencing biblical principles. Jenkins highlights how faith can guide financial decisions and real estate investments. The Real Estate Wealth Creator Blueprint Jenkins shares his personal journey as a second-generation real estate investor. He outlines strategies for building wealth through real estate ownership. The Importance of Partnerships He stresses the value of teaming up with others to invest in real estate. Jenkins explains how clear roles and agreements can prevent conflicts in partnerships. Common Myths About Real Estate Investing He debunks the misconception that large amounts of money are required to invest. Jenkins highlights programs like VA loans and FHA loans that make real estate accessible. Financial Literacy & Generational Wealth He advocates for financial education to ensure wealth is preserved and passed down. Jenkins discusses mentorship and how learning from experienced investors can accelerate success. About Dexter B. Jenkins Dexter B. Jenkins is a faith-based financial mentor, pastor, and real estate investor. He is the author of The Real Estate Wealth Creator Blueprint, which provides strategies for overcoming fear, financial limitations, and inexperience in real estate. Through his work, Jenkins helps individuals build generational wealth by combining faith, financial literacy, and strategic investing. #STRAW #SHMS #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dexter B. Jenkins. He is a Pastor, real estate entrepreneur, financial strategist, and host of Let’s Talk Real Estate. He is also the author of the newly published The Real Estate Wealth Creator Blueprint: Keys to Overcoming Fear, lack of Money, and Inexperience to Possess the Land. “The Real Estate Wealth Creator Blueprint by Dexter B. Jenkins isn’t your typical feel-good faith and finance book. It’s a wake-up call, plain and simple. For far too long, many believers have been trapped by misguided notions that faith and wealth don’t mix, or worse, that seeking financial success is somehow ‘unholy.’ Dexter blows that myth out of the water. As a pastor and financial mentor, he challenges you to stop limiting God’s abundance with a middle-class mindset. Real estate is the tool, but your faith is the engine that drives wealth creation. This book forces you to confront your beliefs about money, faith, and God's will—and if you’re not ready for that, this book isn't for you. But if you’re tired of playing small and are ready to align your beliefs with action, The Real Estate Wealth Creator Blueprint is the no-nonsense guide that will take you there." The uploaded document features an insightful conversation with Dexter B. Jenkins, a real estate entrepreneur, financial strategist, and pastor, on Money Making Conversations Masterclass hosted by Rashawn McDonald. Here’s a breakdown of the key topics and highlights: Key Themes & Highlights Overcoming Fear in Real Estate Jenkins explains that fear is the biggest obstacle for first-time buyers. He emphasizes education and networking as tools to overcome fear. Faith & Financial Success He discusses the intersection of faith and wealth creation, referencing biblical principles. Jenkins highlights how faith can guide financial decisions and real estate investments. The Real Estate Wealth Creator Blueprint Jenkins shares his personal journey as a second-generation real estate investor. He outlines strategies for building wealth through real estate ownership. The Importance of Partnerships He stresses the value of teaming up with others to invest in real estate. Jenkins explains how clear roles and agreements can prevent conflicts in partnerships. Common Myths About Real Estate Investing He debunks the misconception that large amounts of money are required to invest. Jenkins highlights programs like VA loans and FHA loans that make real estate accessible. Financial Literacy & Generational Wealth He advocates for financial education to ensure wealth is preserved and passed down. Jenkins discusses mentorship and how learning from experienced investors can accelerate success. About Dexter B. Jenkins Dexter B. Jenkins is a faith-based financial mentor, pastor, and real estate investor. He is the author of The Real Estate Wealth Creator Blueprint, which provides strategies for overcoming fear, financial limitations, and inexperience in real estate. Through his work, Jenkins helps individuals build generational wealth by combining faith, financial literacy, and strategic investing. #STRAW #SHMS #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dexter B. Jenkins. He is a Pastor, real estate entrepreneur, financial strategist, and host of Let’s Talk Real Estate. He is also the author of the newly published The Real Estate Wealth Creator Blueprint: Keys to Overcoming Fear, lack of Money, and Inexperience to Possess the Land. “The Real Estate Wealth Creator Blueprint by Dexter B. Jenkins isn’t your typical feel-good faith and finance book. It’s a wake-up call, plain and simple. For far too long, many believers have been trapped by misguided notions that faith and wealth don’t mix, or worse, that seeking financial success is somehow ‘unholy.’ Dexter blows that myth out of the water. As a pastor and financial mentor, he challenges you to stop limiting God’s abundance with a middle-class mindset. Real estate is the tool, but your faith is the engine that drives wealth creation. This book forces you to confront your beliefs about money, faith, and God's will—and if you’re not ready for that, this book isn't for you. But if you’re tired of playing small and are ready to align your beliefs with action, The Real Estate Wealth Creator Blueprint is the no-nonsense guide that will take you there." The uploaded document features an insightful conversation with Dexter B. Jenkins, a real estate entrepreneur, financial strategist, and pastor, on Money Making Conversations Masterclass hosted by Rashawn McDonald. Here’s a breakdown of the key topics and highlights: Key Themes & Highlights Overcoming Fear in Real Estate Jenkins explains that fear is the biggest obstacle for first-time buyers. He emphasizes education and networking as tools to overcome fear. Faith & Financial Success He discusses the intersection of faith and wealth creation, referencing biblical principles. Jenkins highlights how faith can guide financial decisions and real estate investments. The Real Estate Wealth Creator Blueprint Jenkins shares his personal journey as a second-generation real estate investor. He outlines strategies for building wealth through real estate ownership. The Importance of Partnerships He stresses the value of teaming up with others to invest in real estate. Jenkins explains how clear roles and agreements can prevent conflicts in partnerships. Common Myths About Real Estate Investing He debunks the misconception that large amounts of money are required to invest. Jenkins highlights programs like VA loans and FHA loans that make real estate accessible. Financial Literacy & Generational Wealth He advocates for financial education to ensure wealth is preserved and passed down. Jenkins discusses mentorship and how learning from experienced investors can accelerate success. About Dexter B. Jenkins Dexter B. Jenkins is a faith-based financial mentor, pastor, and real estate investor. He is the author of The Real Estate Wealth Creator Blueprint, which provides strategies for overcoming fear, financial limitations, and inexperience in real estate. Through his work, Jenkins helps individuals build generational wealth by combining faith, financial literacy, and strategic investing. #STRAW #SHMS #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Buyers keep saying they're waiting for mortgage rates to come down. But rates may not be the real problem. Monthly affordability is—and most real estate agents know far fewer ways to influence that payment than they should. In this episode, Tim and Julie Harris break down financing strategies and programs agents should understand without trying to become loan officers. They explain why seller-paid buydowns can sometimes create more payment relief than a major price reduction, and how that knowledge can become a powerful advantage at listing appointments, expired listings and price-reduction conversations. They also discuss HUD homes, Good Neighbor Next Door, FHA financing, low-down-payment opportunities, state programs, VA and USDA loans, renovation financing and assumable FHA and VA mortgages. What you'll learn is how to shift buyer conversations from interest rate to monthly payment, how to give sellers alternatives to another price cut, how to identify financing opportunities other agents overlook, what questions to add to every buyer consultation, and why deeper knowledge can make you significantly more valuable to both buyers and sellers. Your job isn't to become the lender. Your job is to know which doors exist, recognize when one might apply and connect the client with someone qualified to open it. Free training: HarrisRealEstateDaily.com Coaching: PremierCoaching.com Join eXp + Libertas: WhyLibertas.com/Harris Text Tim Direct: 512-758-0206 Opinions are my own and not the views of eXp Realty.

Reverse mortgages continue to carry a negative reputation, but faithful stewardship means evaluating financial tools based on how they work today. On the next Faith & Finance Live, Rob West and Harlan Accola explain why many Christians remain hesitant. They also discuss how a modern, FHA-insured reverse mortgage could fit into a thoughtful retirement plan. Then, it’s on to calls. That’s Faith and Finance Live . . . biblical wisdom for your financial decisions. That’s weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

Send us fan responses! Most people are one bad assumption away from staying a renter for another decade: they think a mortgage only comes from their bank, on “normal” terms, after years of perfect credit. We break that myth down and replace it with a real-world roadmap to homeownership and real estate investing using programs that already exist, including FHA loans, USDA rural loans, and DSCR investor loans.We start with FHA because it's the on-ramp that many first-time homebuyers overlook. We talk through the real requirements (credit score targets, employment history, debt-to-income), why FHA is federally insured, and why playing it straight protects your future options. Then we get into the move that changes everything: buying a 2 to 4 unit property, living in one unit, and renting the rest so the building helps pay for itself. We also explain the occupancy rule and how refinancing to a conventional mortgage can reset your ability to use FHA again later.From there we widen the lens. We cover USDA rural loan basics for properties outside major city areas, and we touch DSCR loans where approval leans on rental income instead of your W-2, which can matter for investor deals and short-term rentals. Along the way, we share how we look for programs, why local chambers of commerce can surface opportunities early, and how holding companies can keep ownership more private.If you got value from this, subscribe, share it with someone trying to buy their first place, and leave a review so more people can find the playbook. What market are you trying to buy in next?https://donkilam.com FOLLOW THE YELLOW BRICK ROAD - DON KILAMGO GET HIS BOOK ON AMAZON NOW! https://www.amazon.com/Cant-Touch-This-Diplomatic-Immunity/dp/B09X1FXMNQ https://open.spotify.com/track/5QOUWyNahqcWvQ4WQAvwjj?autoplay=trueSupport the showhttps://donkilam.com

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dexter B. Jenkins. He is a Pastor, real estate entrepreneur, financial strategist, and host of Let’s Talk Real Estate. He is also the author of the newly published The Real Estate Wealth Creator Blueprint: Keys to Overcoming Fear, lack of Money, and Inexperience to Possess the Land. “The Real Estate Wealth Creator Blueprint by Dexter B. Jenkins isn’t your typical feel-good faith and finance book. It’s a wake-up call, plain and simple. For far too long, many believers have been trapped by misguided notions that faith and wealth don’t mix, or worse, that seeking financial success is somehow ‘unholy.’ Dexter blows that myth out of the water. As a pastor and financial mentor, he challenges you to stop limiting God’s abundance with a middle-class mindset. Real estate is the tool, but your faith is the engine that drives wealth creation. This book forces you to confront your beliefs about money, faith, and God's will—and if you’re not ready for that, this book isn't for you. But if you’re tired of playing small and are ready to align your beliefs with action, The Real Estate Wealth Creator Blueprint is the no-nonsense guide that will take you there." The uploaded document features an insightful conversation with Dexter B. Jenkins, a real estate entrepreneur, financial strategist, and pastor, on Money Making Conversations Masterclass hosted by Rashawn McDonald. Here’s a breakdown of the key topics and highlights: Key Themes & Highlights Overcoming Fear in Real Estate Jenkins explains that fear is the biggest obstacle for first-time buyers. He emphasizes education and networking as tools to overcome fear. Faith & Financial Success He discusses the intersection of faith and wealth creation, referencing biblical principles. Jenkins highlights how faith can guide financial decisions and real estate investments. The Real Estate Wealth Creator Blueprint Jenkins shares his personal journey as a second-generation real estate investor. He outlines strategies for building wealth through real estate ownership. The Importance of Partnerships He stresses the value of teaming up with others to invest in real estate. Jenkins explains how clear roles and agreements can prevent conflicts in partnerships. Common Myths About Real Estate Investing He debunks the misconception that large amounts of money are required to invest. Jenkins highlights programs like VA loans and FHA loans that make real estate accessible. Financial Literacy & Generational Wealth He advocates for financial education to ensure wealth is preserved and passed down. Jenkins discusses mentorship and how learning from experienced investors can accelerate success. About Dexter B. Jenkins Dexter B. Jenkins is a faith-based financial mentor, pastor, and real estate investor. He is the author of The Real Estate Wealth Creator Blueprint, which provides strategies for overcoming fear, financial limitations, and inexperience in real estate. Through his work, Jenkins helps individuals build generational wealth by combining faith, financial literacy, and strategic investing. #STRAW #SHMS #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dexter B. Jenkins. He is a Pastor, real estate entrepreneur, financial strategist, and host of Let’s Talk Real Estate. He is also the author of the newly published The Real Estate Wealth Creator Blueprint: Keys to Overcoming Fear, lack of Money, and Inexperience to Possess the Land. “The Real Estate Wealth Creator Blueprint by Dexter B. Jenkins isn’t your typical feel-good faith and finance book. It’s a wake-up call, plain and simple. For far too long, many believers have been trapped by misguided notions that faith and wealth don’t mix, or worse, that seeking financial success is somehow ‘unholy.’ Dexter blows that myth out of the water. As a pastor and financial mentor, he challenges you to stop limiting God’s abundance with a middle-class mindset. Real estate is the tool, but your faith is the engine that drives wealth creation. This book forces you to confront your beliefs about money, faith, and God's will—and if you’re not ready for that, this book isn't for you. But if you’re tired of playing small and are ready to align your beliefs with action, The Real Estate Wealth Creator Blueprint is the no-nonsense guide that will take you there." The uploaded document features an insightful conversation with Dexter B. Jenkins, a real estate entrepreneur, financial strategist, and pastor, on Money Making Conversations Masterclass hosted by Rashawn McDonald. Here’s a breakdown of the key topics and highlights: Key Themes & Highlights Overcoming Fear in Real Estate Jenkins explains that fear is the biggest obstacle for first-time buyers. He emphasizes education and networking as tools to overcome fear. Faith & Financial Success He discusses the intersection of faith and wealth creation, referencing biblical principles. Jenkins highlights how faith can guide financial decisions and real estate investments. The Real Estate Wealth Creator Blueprint Jenkins shares his personal journey as a second-generation real estate investor. He outlines strategies for building wealth through real estate ownership. The Importance of Partnerships He stresses the value of teaming up with others to invest in real estate. Jenkins explains how clear roles and agreements can prevent conflicts in partnerships. Common Myths About Real Estate Investing He debunks the misconception that large amounts of money are required to invest. Jenkins highlights programs like VA loans and FHA loans that make real estate accessible. Financial Literacy & Generational Wealth He advocates for financial education to ensure wealth is preserved and passed down. Jenkins discusses mentorship and how learning from experienced investors can accelerate success. About Dexter B. Jenkins Dexter B. Jenkins is a faith-based financial mentor, pastor, and real estate investor. He is the author of The Real Estate Wealth Creator Blueprint, which provides strategies for overcoming fear, financial limitations, and inexperience in real estate. Through his work, Jenkins helps individuals build generational wealth by combining faith, financial literacy, and strategic investing. #STRAW #SHMS #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee omnystudio.com/listener for privacy information.

Nearly 80% of FHA buyers qualify for down payment assistance, yet under 17% actually use it. This episode shows first-time homebuyers how to slash big expenses, explore DPA programs, and rethink what they truly need to save.You'll learn why cutting large expenses beats skipping lattes, how self-employed and 1099 buyers can qualify with the right lending team, and why over 2,700 down payment assistance programs go unused every year. David breaks down the myths keeping first-time homebuyers from free money and shares real interview examples of buyers who closed for under $5,000 total."Most buyers eliminate themselves before they ever talk to a professional." HighlightsCan self-employed or 1099 workers actually get approved for a home loan?Is down payment assistance really only for low-income buyers?Do you have to be a first-time buyer to qualify for DPA programs?Do you really need $35K, $50K, or $100K saved to buy a home? Referenced Episodes447 – First-Time Homebuyer Tax Strategy to Qualify for a Better Mortgage (Interview w/ Dan Mullens, CPA)227 – Using The Internet To Research Your First Home426 – Lowering Your Down Payment – Financially Prepare to Buy Your First Home – Pt. 7460 – Rent vs Buy in 2026: Are First Time Homebuyers Crazy?440 – First Time Homebuyer Playbook (Part 1): Rent Replacement Strategy340 – Down Payment Assistance, Discovery Calls & Lending Myths (INTERVIEW)441 – First Time Homebuyer Playbook (Part 2): The Last Lease Ever421 – Down Payment Strategy in 2025: Assistance, Savings, and Family Support424 – First Time Home Buyers: Chloe & Eduardo Close on a Home (INTERVIEW)425 – First Time Home Buyer: How a Single Mom Bought with a ZERO Down Payment USDA Loan (INTERVIEW)399 – The Real Value of Buying: What Nick Gained Beyond a Mortgage378 – INTERVIEW: How Bhavik & Suhani Bought in a High-Cost MarketHowtoBuyaHome.com/10steps - The #1 Educational System for First-Time Homebuyers in the USAHowtoBuyaHome.com/Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to to get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

The Guild Mortgage Company wants to be your home loan lender. They do all types of mortgages; FHA, VA, USDA & Conventional. Guild Mortgage Company is an Equal Housing Lender; NMLS 3274. Roy West NMLS 316801 Phone (409) 866-1901.

Featured on WGN Radio's “Home Sweet Home Chicago” on August 8, 2026: Tim Stearns, owner and president of TJ Stearns Financial Planning & Benefits, joins David Hochberg to discuss your portfolio, what’s at risk, any overexposure to AI or tech and ensuring your investments are as tax efficient as possible. Get a head start on your […]

Featured on WGN Radio's “Home Sweet Home Chicago” on August 8, 2026: Aimee Ferrarell, Accessibility Specialist at Access, joins the show to talk about overhead lift systems and how they can assist disabled users have more independence. Frank also talks about the toll caregivers take on when doing their best to help loved ones. To learn more about […]

This week on Home Sweet Home Chicago, David Hochberg is joined by Aimee Ferrarell, Accessibility Specialist at Access talking about overhead lift systems, Tim Stearns, owner and president of TJ Stearns Financial Planning & Benefits talking about portfolio risks, and Lindholm Roofing's Assistant Manager Mike Huston talking inspections. As always David takes calls and texts from passionate listeners on […]

Featured on WGN Radio's Home Sweet Home Chicago on August 8, 2026: Lindholm Roofing's Assistant Manager Mike Huston talks about the recent damaging weather and why some homeowners don’t necessarily need a brand new roof or replacement! Sometimes all it takes is an expert inspect from the folks at Lindholm Roofing. To learn more about what Lindholm […]

Send us Fan MailMortgage companies are recruiting Realtors to obtain MLO licenses and earn mortgage-side compensation. Is this smart vertical integration—or could it create a RESPA problem?In this episode of RealEstateAF, Mark Jones sits down with San Antonio independent mortgage broker John Hudson, who brings nearly 29 years of mortgage experience, to examine the growing Realtor-to-MLO trend.We are not arguing that Realtors should never become loan officers. Texas permits someone to serve in both roles under certain conditions. The real question is what the person is being paid to do.Is the Realtor performing real, necessary and documented mortgage-origination services—or is an MLO license being used as a wrapper around a paid referral?THE CENTRAL TAKEAWAY:A license may authorize someone to perform mortgage work. It does not automatically make a referral compensable. The actual mortgage work matters.IN THIS EPISODE:• Why Realtors and mortgage companies are exploring new revenue streams• How a tougher housing market helped create this trend• The difference between a referral and legitimate origination work• Why “limited extra effort” is a major warning sign• RESPA Section 8 and unearned-fee concerns• Consumer steering, divided loyalty and lender choice• Whether the borrower is actually receiving better pricing• Builder incentives and the payment-first sales strategy• Gen Z buyers and down-payment-assistance opportunities• Why fundamentals may generate more income than dual licensing• Questions every Realtor should ask before joining one of these programsQUESTIONS REALTORS SHOULD ASK:• What exact mortgage responsibilities will I perform?• Who will supervise and train me?• Who is responsible for compliance?• Who will actually structure and complete the loan?• What happens when a loan is transferred to another originator?• Can my client freely select another lender?• Will I be expected to recommend this company to every client?• Has my real estate broker approved the arrangement?• Does the lender or investor permit the dual role?• Is my compensation different on down-payment-assistance loans?• Would this arrangement still make sense without my personal leads?Mark's position:“I'm not against Realtors becoming serious mortgage professionals. I'm against Realtors obtaining an MLO license for the sole purpose of receiving compensation for handing the transaction to someone else.”ABOUT THE GUEST:John HudsonIndependent Mortgage Broker | San Antonio, Texashttps://hmmtg.com/john-hudson/POWERED BY:LoanBot — Smarter Mortgage MatchingLoanbot.comCONNECT WITH MARK:https://mortgagetalkwithmark.comPRIMARY RESOURCES:CFPB — RESPA Section 8 FAQs:https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/real-estate-settlement-procedures-act/real-estate-settlement-procedures-act-faqs/CFPB — Regulation X §1024.14:https://www.consumerfinance.gov/rules-policy/regulations/1024/14/Texas Department of Savings and Mortgage Lending:https://www.sml.texas.gov/mortgage-origination/faqs/Texas Real Estate Commission Rules:https://www.trec.texas.gov/agency-information/rules-and-laws/trec-rulesData, rates, programs and market conditions discussed were current as of the recording date and may have changed.DISCLAIMER:This program is provided for education and entertainment only. It is not legal, compliance, tax, financial, real estate or individualized mortgage advice. The opinions expressed by the host and guest are their own. Discussion of marketing materials or business models should not be interpreted as an allegation that any particular company or individual violated the law. Mortgage programs, rates, terms and eligibility requirements are subject to change and underwriting approval.Mark Jones | NMLS #513437iThink Mortgage powered by Premier Mortgage Resources LLC | NMLS #1169Equal Housing Lender#RealEstateAF #RESPA #MortgageIndustry00:00 The Realtor-to-MLO controversy04:55 The RESPA line: referral vs. real mortgage work09:40 Why this trend is growing now20:15 Mortgage rates and the housing lock-in effect28:10 The “limited extra effort” recruiting pitch35:10 Does the consumer actually get a better deal?37:35 How builders are winning payment-sensitive buyers45:55 Gen Z, FHA and down-payment assistance53:30 Shortcuts have ceilings—fundamentals don't57:30 Questions Realtors must ask and our final verdictSupport the showRealEstateAF is Powered by LoanBot.com Host: Mark Jones | Sr. Loan Officer | NMLS# 513437 If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

 In this episode of Compliance 911, Len Suzio and Dean Stockford review key banking and compliance developments from June 2026, including new OCC rules affirming federal banks' authority over real estate escrow interest and fees, updated FDIC guidance on official signs and advertising, and CFPB changes to Regulation B that have created uncertainty around disparate impact and fair lending enforcement. They also discuss a joint FinCEN advisory identifying red flags tied to fraud involving unauthorized employment, CFPB guidance on considering immigration status in ability-to-repay decisions, and expanded use of Section 314(b) information sharing for fraud and cyber-related activity. The episode concludes with FHA's decision to make certain appraisal field reviews optional and an overview of the proposed 21st Century ROAD to Housing Act, which could provide regulatory relief for community banks through higher examination thresholds, brokered deposit reforms, streamlined bank formation, and support programs for smaller and newly chartered institutions. Brought to you by GeoDataVision and M&M Consulting

Mortgage and real estate expert David Hochberg joins John Williams to talk about how hot the sellers market is in the Chicago area, Fed Chair Warsh keeping interest rates steady, a disappointing ADP job report, and to answer all of your mortgage and real estate questions. David hosts “Home Sweet Home Chicago” on Saturdays from […]

The Guild Mortgage Company wants to be your home loan lender. They do all types of mortgages; FHA, VA, USDA & Conventional. Guild Mortgage Company is an Equal Housing Lender; NMLS 3274. Roy West NMLS 316801 Phone (409) 866-1901.

This week on Home Sweet Home Chicago, David Hochberg is joined by  Rose Pest Solutions' Marketing Director Janelle Iaccino, A.K.A. ‘The Bug Girl,' talking wasp nests, IRS Tax Attorney Steven A. Leahy of the Law Office of Steven A. Leahy, PC, with Opem Tax Advocates, talks about all the rules you want to know about when it comes […]

Featured on WGN Radio's Home Sweet Home Chicago on 08/1/26: Dave Schlueter of the Law Offices of David R. Schlueter joins the show to talk about “seller’s remorse,” and what’s in play when a higher offer comes in on a home after it’s already in contract. To learn more about what Dave Schlueter can help you with, […]

Featured on WGN Radio's “Home Sweet Home Chicago” on August 1, 2026:  IRS Tax Attorney Steven A. Leahy of the Law Office of Steven A. Leahy, PC, with Opem Tax Advocates, talks about all the rules you want to know about when it comes to tax on tips, mandatory gratuities, overtime pay, and NIL income for student […]

Featured on WGN Radio's Home Sweet Home Chicago on 08/1/26: Rose Pest Solutions' Marketing Director Janelle Iaccino, A.K.A. ‘The Bug Girl,' talks wasp nests and how they can make a deck unusable. Janelle also talks about the quarterly maintenance program that can help keep your property pest-free year-round. To learn more about Rose Pest Solutions and […]

Send us Fan Mail⚠️ Viewer discretion advised: This episode contains strong language and candid adult conversation.According to the 2026 agent-production chart referenced during this episode, approximately 84% of NAR-registered agents had closed zero transactions between January 1 and July 6, 2026, while approximately 97% had closed four transactions or fewer.So what is actually happening inside the real estate industry?In this unfiltered episode of RealEstateAF, Mark Jones sits down with three experienced San Antonio real estate brokers: Jeff Garza, Robert Saenz and Cesar Amezcua.The panel breaks down why so many agents are struggling, whether real estate has been incorrectly marketed as a side hustle and why simply changing brokerages rarely fixes the real problem.They also get brutally honest about:• Whether real estate licensing standards adequately protect consumers• Why experience and fiduciary responsibility still matter• Massive builder commissions and new-construction incentives• Finding the actual cash value of a new home• Why so many real estate contracts are falling apart• Performative social-media success and “I just capped” posts• The temporary excitement of changing brokerages• What real rainmaker activity actually looks like• Whether struggling agents are surrounded by the wrong people• When becoming a dual-licensed Realtor and loan officer makes sense• Better ways agents can create additional sources of income• Social-media boundaries, lead verification and agent safetyThis is not an attack on struggling agents. It is an honest conversation about the difference between holding a real estate license and building a sustainable professional real estate business.Statistics discussed in this episode are based on a chart displayed and referenced by the panel. RealEstateAF has not independently audited the underlying dataset.━━━━━━━━━━━━━━━━━━━━TODAY'S GUESTSJeff GarzaCEO and Broker, Redbird Realtyhttps://redbird-realty.com/Robert SaenzBroker, Xsellence Realtyhttps://www.xsellencerealtysa.com/Cesar AmezcuaOwner and Sponsoring Broker, CA & Company, REALTORS®https://cacompanyrealtors.com/━━━━━━━━━━━━━━━━━━━━CHAPTERS00:00 – Cold Open: Get Better Every Day00:32 – Introducing Jeff Garza, Robert Saenz and Cesar Amezcua02:46 – The 2026 Agent Chart: 84% Closed Zero Transactions08:00 – Real Estate Licensing Standards and Consumer Protection12:25 – Builder Incentives, New Construction and Fiduciary Duty24:37 – Failed Contracts and Performative Social-Media Success31:00 – Brokerage Hopping and the 60-Day Honeymoon50:26 – What Real Rainmakers Actually Do1:00:26 – The 84%, Top Producers and Dual Licensing1:16:45 – Agent Safety, Social-Media Boundaries and Final Takeaways━━━━━━━━━━━━━━━━━━━━POWERED BY LOANBOTRealEstateAF is powered by LoanBot — Smarter Mortgage Matching.Search LoanBot in the Apple App Store or Google Play.Affiliation disclosure: RealEstateAF host Mark Jones is a co-founder of and holds an ownership interest in LoanBot.LoanBot is an educational mortgage-matching and technology platform. It does not issue loan approvals, make underwriting decisions or provide a commitment to lend.━━━━━━━━━━━━━━━━━━━━CONNECT WITH MARKConsidering buying, refinancing or developing a mortgage strategy?Visit:https://MortgageTalkWithMark.comMark JonesBranch Manager and Senior Loan OfficerNMLS #513437iTHINK Mortgage powered by Premier Mortgage Resources, LLCNMLS #116924123 Boerne Stage Road, Suite 103San Antonio, Texas 78255Equal Housing Opportunity━━━━━━━━━━━━━━━━━━━━CHANNEL AND PODCAST DISCLOSUREThe information presented in this podcast is provided for general educational and entertainment purposes only. It is not legal, tax, financial, investment, real estate, accounting or individualized mortgage advice.Guests appear for informational and discussion purposes and speak on their own behalf. Their statements, opinions and experiences do not necessarily represent the opinions or policies of Mark Jones, RealEstateAF, iTHINK Mortgage, Premier Mortgage Resources, LLC, LoanBot or any affiliated organization.No compensation is paid or received in exchange for referrals, endorsements or podcast appearances. Nothing discussed during this episode should be interpreted as an agreement to refer settlement-service business or as a requirement to use any particular real estate broker, lender, title company, insurance company or other service provider.Mark Jones is a licensed mortgage loan originator. This content does not constitute an offer to extend credit or a commitment to lend. All loan programs, interest rates, terms, qualifying requirements and product availability are subject to change without notice. All financing is subject to application, credit review, property approval, underwriting approval and applicable investor or agency guidelines. Not all applicants will qualify, and not all products are available in every state.Mortgage examples discussed during the podcast may be hypothetical and may not reflect current interest rates, loan costs, property conditions or an individual borrower's eligibility.Premier Mortgage Resources, LLC is not affiliated with or acting on behalf of the United States government, HUD, FHA, VA, USDA or any other governmental agency.Mark Jones | NMLS #513437Premier Mortgage Resources, LLC | NMLS #1169Equal Housing OpportunityNMLS Consumer Access:https://www.nmlsconsumeraccess.org/━━━━━━━━━━━━━━━━━━━━TEXAS CONSUMER NOTICEConsumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and submit a complaint form to the Texas Department of Savings and Mortgage Lending.Complaint forms and instructions may be obtained from the Department's website at:https://www.sml.texas.gov/A toll-free consumer hotline is available at 1-877-276-5550.The Department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department before payment of a claim. Additional information about the recovery fund is available through the Department's website.━━━━━━━━━━━━━━━━━━━━

The housing market is not crashing. It is negotiating.Agents who only focus on price are leaving valuable concessions on the table. Seller concessions appeared in 46% of May home sales, the highest May percentage on record. In this episode, Tim and Julie Harris explain how agents can negotiate closing cost credits, seller-paid repairs, mortgage rate buydowns, flexible possession terms, rent-backs, contingencies, and other forms of value. A basic price reduction may only modestly change the buyer's monthly payment. A better concession strategy may reduce the buyer's cash to close, lower the monthly payment, resolve inspection concerns, or solve an important timing problem for the seller. You'll learn why agents must evaluate the entire transaction, how financing rules affect allowable concessions, how conventional, FHA, USDA, VA, and investment-property limits differ, and why the buyer's real priority should determine the offer strategy. You'll also learn how listing agents can prepare sellers for secondary negotiations and how buyer agents can use possession terms to strengthen an offer. Knowledge creates confidence. Agents who understand these strategies can demonstrate greater value, write stronger offers, protect listings, and build more sustainable careers through professional coaching, eXp Realty, and Libertas. Free training: HarrisRealEstateDaily.com Coaching: PremierCoaching.com Join eXp + Libertas: WhyLibertas.com/Harris Text Tim Direct: 512-758-0206 Opinions are my own and not the views of eXp Realty.

In this episode of the Loan Officer Podcast, hosts Dustin Owen, Marketing Mike, and Karina Mojica take a deep dive into the recently enacted 21st Century Road to Housing Act, which officially became law on July 11th, 2026, notably without a presidential signature. Touted as the most significant piece of housing legislation since 1990, the bill introduces several key provisions aimed at reshaping the housing landscape. Among its headline measures are a ban preventing institutional investors from owning more than 350 single-family homes nationwide, new and improved financing options for manufactured homes, and a substantial increase in FHA multifamily loan limits to encourage more rental housing development. Throughout the episode, the hosts provide thoughtful analysis on the bill's bipartisan journey through Congress and discuss its intended impact on the housing market. They highlight the legislation's ambition to curb large-scale investor ownership in residential real estate, which many believe has contributed to rising home prices and reduced availability for individual buyers. The enhancements to manufactured home financing are also examined, with the hosts noting the potential for these changes to expand affordable housing options for lower- and middle-income families. Additionally, the increased FHA multifamily loan limits are discussed as a move to stimulate the construction of much-needed rental units in high-demand areas. Despite acknowledging the bill's historic scope and the broad support it received from both sides of the aisle, Dustin, Mike, and Karina agree that the legislation ultimately falls short of delivering meaningful improvements to housing affordability. They point out that the act does not address several critical factors driving the affordability crisis, such as persistently high interest rates, the impact of capital gains taxes on housing turnover, escalating construction costs, and the ongoing shortage of housing supply. The hosts conclude by emphasizing the need for future reforms that tackle these underlying issues if real progress is to be made in making housing more accessible and affordable for all Americans. TLOP's Originator Coaching:

Mortgage rates just hit their highest level in over a year, and first-time home buyers everywhere are asking the same question: When will mortgage rates finally come down?In this video, I'll explain what's really driving today's mortgage rates, why they've stayed higher for longer than many expected, and what has to happen before interest rates move lower. If you're thinking about buying a house in 2026, understanding how mortgage rates, inflation, and the economy work together can help you make a smarter home buying decision.Whether you're a first-time home buyer, moving up to your next home, or wondering if you should buy now or wait, I'll break down what today's housing market means for you. I'll also show you why waiting for lower mortgage rates could end up costing you more than buying with today's interest rates.

Featured on WGN Radio's “Home Sweet Home Chicago” on 07/25/2026: Bob Schmitt of Junkluggers joins the show to inform Illinois residents that you can no longer throw batteries into the trash or recycling. Bob talks about a new statewide, manufacturer-funded drop off program. To learn more about what Junkluggers can do for you, go to www.junkluggers.com or give them […]

Featured on WGN Radio's “Home Sweet Home Chicago” on 07/25/2026: Mr. Floor himself, Igor Murokh, joins the program to talk about hardwood floor owners making mistakes without even knowing it. Igor talks about how Mr. Floor is leading the charge for cleaners and what listeners can do to save a lot of money. For more […]

This week on Home Sweet Home Chicago, David Hochberg is joined by Mike Epping of Center Guard Plumbing to talk about the heavy rains blowing through Chicago and how they can help you. Then, Bob Schmitt of Junkluggers informs listeners about batteries no longer being allowed in your trash. Next, Igor Murokh of Mr. Floor […]

Featured on WGN Radio's Home Sweet Home Chicago on 07/25/26: Center Guard Plumbing's Mike Epping joins the show to talk about how they can help protect your home from the heavy rains plaguing Chicagoland. Go to wgnplumber.com or call 847-406-8883 to learn about what Center Guard can do for you. Use the word “Kevin” or “Cake” for a […]

SUCI Co-Host Mark Ainley gives a presentation on his deals over the last 30 months at the WSBOA meetup!  Mark shares details on various deals including flips, BRRRRs, and even short-term rentals. He  explains how he sourced, financed, and stabilized these deals. He discusses biggest wins and top lessons learned. Mark closes the presentation with the biggest REI takeaways and a Q&A session that you won't want to miss! If you enjoy today's episode, please leave us a review and share with someone who may also find value in this content! ============= Connect with Mark and Tom: StraightUpChicagoInvestor.com Email the Show: StraightUpChicagoInvestor@gmail.com Properties for Sale on the North Side?  We want to buy them. Email: StraightUpChicagoInvestor@gmail.com Have a vacancy? We can place your next tenant and give you back 30-40 hours of your time. Learn more: GCRealtyInc.com/tenant-placement Has Property Mgmt become an opportunity cost for you? Let us lower your risk and give you your time back to grow. Learn more: GCRealtyinc.com ============= Guest: Mark Ainley, GC Realty & Development Link: Mark's Instagram Link: WSBOA Meetup Guest Questions:  06:07 Housing Provider Tip - Understand root causes of water intrusion to efficiently solve issues. 08:11 Mark's first acquisition with Lantz! 16:18 Lessons learned on Mark's Hoffman Estates deal. 19:57 Home run BRRRR deal in Schaumburg! 27:56 Mark's syndication deal. 30:36 A quick flip in Downers Grove and FHA househack in Jefferson Park! 36:14 Flip deal in Hanover Park. 37:28 Rough deal in Elgin! 41:18 Mark's recent deal in Rolling Meadows. 42:37 Locking up a Downers Grove Ranch property. 44:38 Experimenting with a Short-Term Rental project! 47:13 Mark's key takeaways! 52:08 Q&A. 59:37 Chicago fact! ----------------- Production House: Flint Stone Media Copyright of Straight Up Chicago Investor 2026.

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about how high mortgage rates could go with the new escalation in the Iran conflict. Related to this episode: How high can mortgage rates go with Iran conflict 2.0? HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire The Top 5: Can the housing market weather Iran conflict 2.0 and higher rates? How ROAD aims to boost housing supply and cut red tape The housing market's inventory rebound is shifting power to buyers, but not everywhere Foreclosures climb 21% in first half of 2026, pushed by higher stress in FHA, VA mortgages Compass files ethics complaints against Zillow in 26 states Want more from Sarah? Don't forget to subscribe! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

The 21st Century ROAD to Housing Act is officially law, marking one of the most significant federal housing policy developments in decades. In this episode of The Multifamily Review, Marcus Armstrong breaks down what the law means for multifamily owners, operators, developers, and investors, including updated FHA multifamily loan limits, permitting incentives, Section 901 restrictions on institutional investors, and new opportunities for build-to-rent. Learn what the law changes, what it leaves untouched, and what multifamily leaders should monitor as its provisions move toward implementation.

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about the Fed, new home construction and housing starts. Related to this episode: Housing permits near cycle lows even as housing starts beat estimates HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire The Top 5: UHM acquires AmeriTrust assets, expands non-QM footprint Foreclosures climb 21% in first half of 2026, pushed by higher stress in FHA, VA mortgages Despite ROAD Act passing, no construction boom is coming The housing market's inventory rebound is shifting power to buyers, but not everywhere Awaiting the CFPB's next act ahead of Vought's departure Want more from Sarah? Don't forget to subscribe! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

Featured on WGN Radio's Home Sweet Home Chicago on 07/18/26: Roy Spencer, CEO and Founder of Perma-Seal, joins David Hochberg to talk about sunken and broken concrete. To learn more about Perma-Seal's services, go to permaseal.net or call 1-800-421-SEAL (7325).

This week on Home Sweet Home Chicago, David Hochberg is joined by Roy Spencer, CEO of Perma-Seal Basement Systems to talk about the difference between their Basement Defender device and a high-water alarm system. Then, David Saffrin of Sunrun Solar talks about helping customers during these recent storms and power outages. Next, Janelle Iaccino of Rose Pest […]

Featured on WGN Radio's Home Sweet Home Chicago on 07/18/26: Rose Pest Solutions' Marketing Director Janelle Iaccino, A.K.A. ‘The Bug Girl,' talks spiders and the underlying pest issues attracting them. Janelle highlights the Healthy Home Maintenance program for year-round protection. To learn more about Rose Pest Solutions and what they can do for you, go to rosepestcontrol.com or […]

Featured on WGN Radio's Home Sweet Home Chicago on 07/18/26: David Saffrin of Sunrun Solar joins the program to to talk about how Sunrun has been helping customers through all the recent severe storms. David also highlights their $1,000 referral bonus! To learn more about Sunrun Solar, go to www.gosunrun.com/wgn or call 224-458-7868.

Vice President of Lending for Team Hochberg at Atlantic Coast Mortgage and host of WGN's “Home Sweet Home Chicago” David Hochberg joins Bob Sirott to discuss why home prices are increasing despite the higher mortgage rates and the differences between an FHA and VA loans. He hosts “Home Sweet Home Chicago” on Saturdays from 10am […]

Vice President of Lending for Team Hochberg at Atlantic Coast Mortgage and host of WGN's “Home Sweet Home Chicago” David Hochberg joins Bob Sirott to discuss why home prices are increasing despite the higher mortgage rates and the differences between an FHA and VA loans. He hosts “Home Sweet Home Chicago” on Saturdays from 10am […]

Philip Henry started with no capital, a student loan balance, and a newborn at home. His first investment was a rundown two-unit in Pawtucket, Rhode Island. Today he owns nearly 100 residential and commercial doors generating over $2 million a year through Connect Investments. In this episode, Philip walks through every step of how he built that portfolio, the creative financing strategies he used to get into deals with little or no money down, and the commercial real estate fundamentals that turned a series of overlooked properties into a $20 million portfolio. About Philip Henry Philip Henry is a former chemical engineer from Canada who quit his six-figure W2 job in 2017 after his real estate cash flow exceeded his salary. He is the founder of Connect Investments, author of Real Estate: The Blueprint to Firing Your Boss, and creator of propanalyzerpro.ai, a deal analysis tool for real estate investors. He manages his portfolio in-house with a small team and hosts the American Legacy podcast. What We Cover in This Episode Why house hacking a two-unit is the best first move for any new real estate investor How Philip used FHA 3.5% down to buy a four-unit building with almost no money out of pocket What seller financing looks like in practice and how Philip acquired 11 units by walking away from closing with a check Why distressed and underpriced properties create more opportunity for creative financing The reality of hands-on investing: evictions, renovations after work, and tenants who test your commitment How Philip bought a 32-unit building in Bangor, Maine for $1.2 million with no money down using seller carry and a private lender at 12% interest Why that same 32-unit building is now worth $5 million How to identify hidden expense problems in commercial listings that other buyers overlook How Philip cut $115,000 in annual expenses from a $1.8 million commercial listing and bought it for $1.3 million The NOI formula and why every dollar of income increase or expense reduction multiplies the value of a commercial asset How Philip manages nearly 100 doors with two full-time employees and Buildium software Why Philip still controls leasing in-house and what that means for occupancy The FHA loan program: who qualifies, how it works, and why the younger generation should use it before buying a single family home How to raise private capital when you have no track record and no connections Real Estate: The Blueprint to Firing Your Boss and propanalyzerpro.ai: what they are and who they're for Key Insight Philip found a 35,000 square foot brick commercial building downtown listed at nearly $1.8 million that had been sitting on the market. Nobody wanted it. After going through the expense sheet line by line, he found two problems nobody else had bothered to look for: a $45,000 flood insurance policy he renegotiated down to $10,000, and an $80,000 full-time maintenance position that was redundant given his existing team. He eliminated $115,000 in annual expenses before he owned the building, bought it for $1.3 million with seller financing, and it is now worth approximately $3 million. Why This Episode Matters Every strategy Philip used — house hacking, FHA financing, seller carry, private capital at a fixed return, expense reduction in commercial assets — is available to any investor willing to learn the mechanics. None of it required inherited wealth or industry connections. This episode is a step-by-step account of how a chemical engineer with student loan debt and no real estate background built a $20 million portfolio by solving problems other investors walked away from. Find Out More Website: propanalyzerpro.ai Book: Real Estate: The Blueprint to Firing Your Boss — available on Amazon Podcast: American Legacy — available on Spotify and Apple Podcasts Instagram: @philipmhenry Sponsors 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

Day Break | America First: No More Free Rides --- 00:00 - Monologue 19:20 – David A. Kallman, Senior Partner with the Kallman Legal Group. In this edition of the Kallman Legal Report, Kallman discusses the beginning of the trial of Tyler Robinson, the man accused of assassinating Charlie Kirk, along with two major Supreme Court rulings involving age-verification requirements for minors using apps and expanded First Amendment free speech protections. The conversation also touches on legislative proposals related to birthright citizenship. 28:12 – Dr. Kelly Victory, Chief of Disaster & Emergency Medicine at The Wellness Company. Victory discusses The Wellness Company's first-of-its-kind observational study examining the use of pre-prescribed medications in emergency medical kits. She explains the importance of early intervention, why many participants were reportedly able to avoid urgent care or emergency room visits, and discusses the value of preparedness and maintaining access to emergency prescription medications. 38:25 - Monologue Featuring Ivey Gruber 47:25 – Dr. Mark P. Mostert, senior researcher at Able Americans. Mostert discusses the expansion of physician-assisted dying policies in Canada and parts of the United States, examining ethical concerns, disability advocacy, and the broader debate surrounding assisted suicide and end-of-life care. 57:44 – Frank Cassidy, former Federal Housing Commissioner under President Trump and former FHA executive. Cassidy examines the current state of the U.S. housing market, discussing regional differences in home prices, mortgage trends, and why some housing markets continue to cool while others remain relatively strong. 1:06:38 – Ivey Gruber & Laura Lynn Cokonougher. Gruber and Cokonougher reflect on the creation of their patriotic anthem, "One Nation," discussing the inspiration behind the song, the songwriting process, its growing success, and the importance of celebrating faith, America, and the nation's upcoming 250th anniversary. 1:16:53 - Monologue 1:25:44 – Ron Rademacher, travel writer, author, storyteller, and Michigan travel expert. Rademacher highlights festivals, fairs, and summer events taking place across Michigan, including Frog Fest, the Copper Country Strawberry Festival, the National Cherry Festival, Bluegill Festival, Blissfest, and numerous other community celebrations and attractions around the state. 1:36:03 – Rep. Donni Steele, Representative for Michigan's 54th House District. Steele discusses major transportation investments included in Michigan's state budget, highlighting infrastructure improvements, road funding priorities, and efforts to strengthen transportation systems for communities across the state. --- Check out our brand new podcast, 'Forgotten America'... Episode 21 is live NOW at Steve Gruber on YouTube! Link below: https://youtu.be/WyZmI-8l5yg

Land-home development is one of the most overlooked strategies in affordable housing, and most real estate investors have never seriously considered it. The model is straightforward: buy a parcel of land, order a brand new manufactured home from a factory, place it permanently on the property, and sell the land and home together to a first-time buyer. In this episode, Robert Howell breaks down how he built a business around this strategy, why manufactured housing delivers exceptional value at a price point stick-built homes cannot match, and how he uses mobile home parks as a long-term tax offset for the short-term capital gains his land-home packages generate. About Robert Howell Robert Howell is a real estate investor and developer based in the upstate of South Carolina. He owns 250 lots across approximately 25 small and mid-sized mobile home parks and completes land-home development packages at scale, closing 50 deals last year with a target of 75 to 100 this year. He came to real estate from event marketing, bought his first mobile home park in 2020 with no prior experience, and has since built a vertically integrated operation combining long-term park ownership with active land-home development. What We Cover in This Episode What land-home development is and how it differs from mobile home park investing Why manufactured housing is cheaper to build than stick-built homes at a comparable quality How Robert builds a complete 3-bedroom, 2-bath home on owned land for $125,000 to $140,000 The full land-home development timeline from acquisition to sold: targeting 4 to 6 months How to find motivated land sellers through direct mail, cold calling, texting, and wholesalers The 30 to 45 day due diligence process: soil, water, power, driveway, and deed restrictions Why deed restrictions and HOA covenants are the biggest hidden risk in land-home development The de-titling process: how to convert a manufactured home from DMV title to real property How Robert uses cost segregation and bonus depreciation in mobile home parks to offset short-term capital gains from land-home flips Why small and mid-sized mobile home parks in South Carolina have low competition from institutional buyers How 95% of land-home buyers use FHA loans and what that means for deal timelines Why Robert targets scattered lots rather than full subdivisions for risk diversification How Robert structured his team to handle 50 land-home packages a year with a project manager and virtual assistants The below-market rent opportunity in small mobile home parks and how to approach rent increases responsibly Key Insight Robert bought a mobile home park in 2020 with no prior experience in the asset class. He evaluated it the way he still evaluates every deal today: revenue minus expenses minus debt service. If the number is positive, he moves. That first park sold a year later at a profit large enough to fund his next round of acquisitions. He now owns 25 parks and closes land-home packages two at a time — and he got two houses under contract at a baseball game on a Saturday night. Why This Episode Matters Manufactured housing sits at the intersection of two forces most investors ignore: a shortage of affordable housing and a regulatory environment that makes new mobile home parks nearly impossible to build. Robert's model exploits both. Investors willing to learn the asset class, understand the due diligence requirements, and get their dealer's license are entering a market with motivated sellers, limited institutional competition, and a deep pool of FHA-qualified first-time buyers. This episode gives you the full framework. Find Out More Website: howellandsons.com Sponsors 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

A new bipartisan housing bill headed to President Trump bars large institutional investors that already own at least 350 single‑family homes from buying more, and loosens a stack of federal rules to speed up construction, modernize manufactured‑home standards and push FHA limits closer to today's prices in an effort to boost supply and stop Wall Street outbidding families.

Michael Youngblood joined the show to discuss investing in mortgages with the evolution of the U.S. mortgage market. He draws on more than four decades of experience in mortgage banking, securitization, and housing finance. We explored the key causes of the 2008 financial crisis, why falling home prices caught investors off guard. Michael explained the risks and opportunities of investing in mortgage-backed securities, the differences between MBSs, CMOs, and REMICs, and why prepayment risk remains a major consideration for investors. We also discussed housing affordability challenges, FHA loans, down payment hurdles facing first-time buyers, potential future changes to mortgage regulations, and the outlook for both residential and commercial real estate financing as demographic shifts, interest rates, and post-COVID trends continue to reshape the market. We discuss...  How declining home prices in 2007–2008 triggered a surge in mortgage defaults and helped spark the financial crisis. Why investors, lenders, and regulators failed to anticipate the severity of the housing market collapse. How banks manage mortgage risk by selling or securitizing loans while retaining their highest-quality borrowers. The key risks investors face when investing in mortgage-backed securities, including prepayment and credit risk. The differences between mortgage-backed securities (MBSs), collateralized mortgage obligations (CMOs), and REMICs. Why mortgage market innovation has slowed significantly since the 2008 financial crisis. Exploration of potential future changes to mortgage products and regulations aimed at improving housing affordability. How adjustable-rate mortgages could be expanded without returning to the risky lending practices that contributed to the housing crisis. The challenges self-employed borrowers face when trying to qualify for mortgage financing. How falling interest rates could trigger a new wave of mortgage refinancing activity. Housing affordability challenges driven by rising home prices and large down payment requirements. How commercial mortgage lending differs from residential lending in underwriting and risk management. The growing role of family wealth transfers and financial assistance in helping younger generations purchase homes. Michael shares his outlook on housing affordability and why mortgage financing remains attractive relative to many other forms of borrowing. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/investing-in-mortgages-michael-youngblood-828 

Do you need a real estate LLC, and should you form one before or after buying a rental property? This is a very common rookie question, and liability protection is one of the most misunderstood topics in real estate investing. But not to worry—today we're setting the record straight and showing you how to build bulletproof protection for you and your assets! Welcome back to another Rookie Reply! Does a rental property have to make positive cash flow for it to be considered a “good” deal? If you're using the house hacking strategy, maybe not! In today's episode, we'll share exactly why this is often the exception to the rule. Finally, what's the best way to fund rental renovations? In most cases, lenders will help you finance the purchase of a rental property, but you'll have to scrounge up the money for your renovations—except if you use an FHA 203(k) loan. How do these loans work, and what are the pros and cons? Stick around to find out! Looking to invest? Need answers? Ask your question here! In This Episode We Cover Whether a rental property needs to cash flow if you're house hacking LLCs, umbrella policies, and other types of liability protection explained Whether you need to form an LLC before buying a rental property What to know before transferring ownership from your personal name to an LLC How to fund your purchase and renovations with a 203(k) loan And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠t⁠⁠tps://www.biggerpockets.com/blog/rookie-733⁠. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.  Learn more about your ad choices. Visit megaphone.fm/adchoices

This is arguably the best real estate investing loan on the market today. It funds the purchase, renovation, closing costs, and up to six months of mortgage payments, so you're not on the hook when renovating a vacant property, all for 3.5% down.  Today's guest used it to put down just $9,000 on a house and, less than a year later, had $150,000 in equity. It changed his life and enabled him to become a real estate millionaire, even in an unaffordable market.  Matt Porcaro (AKA The 203k Way) was working in construction in America's most expensive market—New York City. He could only get preapproved for a loan of a few hundred thousand dollars, which doesn't buy much in NYC. When a local investor told him about the FHA 203(k) loan, his entire world opened up, and changed his trajectory forever. Now, he has over $1,000,000 in equity and over $2,000,000 in real estate—after just starting with $9,000. Today, Matt explains the 203(k) loan from start to finish—how much money you need to put down, how to get preapproved, finding contractors, paying for the renovation, what to know before you start, and a new change that makes it even more lucrative in expensive areas of the country. Beginners: This changes the game entirely.  In This Episode We Cover The best beginner real estate investing loan that only requires 3.5% down  Why getting a 203(k) loan is much less complicated than you think it is How Matt turned $9,000 into $150,000 in equity in less than a year  The exact steps to take when getting a 203(k) loan (easier method) A new change to the 203(k) loan that makes getting approved even easier  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠⁠t⁠t⁠ps://www⁠.biggerpockets.com/blog/real-estate-1286⁠. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices