Podcasts about heloc

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we go through some industry mailbag questions that made their way to my inbox this week. Plus, Robbie sits down with Logan Finance's Paul Jones for a discussion on how brokers avoid common self-employed borrower mistakes and simplify the process from application to closing to make non-QM accessible and efficient. And we close by looking at personal consumption expenditures (PCE).Today's podcast is brought to you by Floify, an industry-leading point of sale platform. Dynamic Apps 2.0 — an AI- powered enhancement lets lenders tailor application flows by loan type, including HELOC, construction, ag, non-QM and more. Borrowers see only the right questions, the right sections and are sent the right disclosures from the start. The result? Higher completion rates, less operational back-and-forth and specialty lending without the one-size-fits-all compromise. Discover more at www.floify.com — and see Dynamic Apps 2.0 in action at ICE Experience, March 15–18 in booth 713.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we go through how the HUD False Claims "Monster" may not actually be slayed. Plus, Robbie sits down with Consumer Data Industry Association's Dan Smith for a discussion on the debate over eliminating tri-merge credit reporting centers, and whether shifting to a single bureau would truly improve affordability or instead introduce systemic risk. And we close by looking at how the U.S. government is financing the Iran war.Today's podcast is brought to you by Floify, an industry-leading point of sale platform. Dynamic Apps 2.0 — an AI- powered enhancement lets lenders tailor application flows by loan type, including HELOC, construction, ag, non-QM and more. Borrowers see only the right questions, the right sections and are sent the right disclosures from the start. The result? Higher completion rates, less operational back-and-forth and specialty lending without the one-size-fits-all compromise. Discover more at www.floify.com — and see Dynamic Apps 2.0 in action at ICE Experience, March 15–18 in booth 713.

Curious? Watch Our Money Makeover Bootcamp!Ready? Buy Our Simplified Budget System Now!Hey budget besties, this episode is all about one very grown-up truth: the financial stuff that sneaks up on us usually is not actually a surprise. It just feels that way when we are not planning ahead.We are talking about why property taxes should not be a yearly jump scare, how relying on a financial “Plan B” can keep you stuck, and why teaching kids to manage their own money matters so much. We also dig into Amazon spending guilt and why tracking after the fact is not nearly as helpful as budgeting on purpose from the start.This episode is packed with real client stories, practical budget shifts, and the reminder that financial peace comes from planning ahead, not scrambling after the fact.In this episode, we talk about:Why saving monthly for property taxes can change everythingHow escrow keeps your money out of sight and earning for the bank instead of for youWhy relying on mom, credit cards, HELOCs, or your emergency fund can make it harder to stick to your budgetThe power of committing to Plan A and removing easy financial fallbacksHow to teach kids real money lessons by letting them spend their own moneyWhy boundaries around money help both adults and kids build confidenceHow to stop shaming yourself over Amazon spendingWhy separating spending into clear budget categories makes money easier to manageHow intentional budgeting creates freedom without guiltKey reminder from this episodeWe want you to be your own bank.That means planning ahead, saving for the things you know are coming, using your budget on purpose, and building a system that helps you rely on yourself instead of defaulting to outside help or last-minute fixes.What we want budget besties to rememberYou do not need to feel ashamed about spending money when it is already part of the plan. The goal is not perfection. The goal is clarity. When your money has a job, you can spend, save, and prepare with a whole lot more confidence.Let's Take Our Relationship To The Next Level:1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coachingThis podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.Click here to view our privacy policy.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we go through how prepayment characteristics are shifting with mortgage rate movement. Plus, Robbie sits down with Floify's Jason Mapes for a discussion on automating tasks like data extraction, document validation, and 1003 completion within the POS, enabling lenders to deliver faster, cleaner, and more compliant loan files without introducing risky borrower-facing AI interactions. And we close by looking at the latest inflation data and how it's moving bond markets.Today's podcast is brought to you by Floify, an industry-leading point of sale platform. Dynamic Apps 2.0 — an AI- powered enhancement lets lenders tailor application flows by loan type, including HELOC, construction, ag, non-QM and more. Borrowers see only the right questions, the right sections and are sent the right disclosures from the start. The result? Higher completion rates, less operational back-and-forth and specialty lending without the one-size-fits-all compromise. Discover more at www.floify.com — and see Dynamic Apps 2.0 in action at ICE Experience, March 15–18 in booth 713.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we go through how the prices of various asset classes are evolving with the conflict in the Middle East. Plus, Robbie sits down with eRESI's Lisa Schreiber for a discussion on the evolution in the non-QM space, how correspondent lenders are growing their non-QM business, and what the future holds for lenders considering entering the market. And we close by looking at the how President Trump's words are manipulating markets.Today's podcast is brought to you by Floify, an industry-leading point of sale platform. Dynamic Apps 2.0 — an AI- powered enhancement lets lenders tailor application flows by loan type, including HELOC, construction, ag, non-QM and more. Borrowers see only the right questions, the right sections and are sent the right disclosures from the start. The result? Higher completion rates, less operational back-and-forth and specialty lending without the one-size-fits-all compromise. Discover more at www.floify.com — and see Dynamic Apps 2.0 in action at ICE Experience, March 15–18 in booth 713.

Andrew Freed transitioned from a W2 project manager to a successful real estate investor after being inspired by Rich Dad Poor Dad. Using a HELOC on his Boston condo, he acquired 10 properties in just two years and has since grown his portfolio to over 400 units with another 50 under contract. Known for his expertise in multifamily investing, house hacking, and syndication, Andrew is also a top contributor on BiggerPockets and regularly shares insights through podcasts and real estate meetups to help others achieve financial freedom.   Here's some of the topics we covered:   Why Andrew Bet Everything on Real Estate Rod's Newest Real Estate Training You Need To Know About Inside Andrew's Fast-Growing Podcast Success The Right Way To Start Investing  How Andrew Actually Broke Into Real Estate The First Practical Steps That Built His Portfolio When It Really Makes Sense To Leave Your W2 How Andrew's Teaching Can Fast-Track Your Investing What Makes Some Investors Take The Leap While Others Stay Stuck   If you'd like to apply to the warrior program and do deals with other rockstars in this business: Text crush to 72345 and we'll be speaking soon. For more about Rod and his real estate investing journey go to www.rodkhleif.com

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we go through what investors are watching as the war in Iran enters a longer phase. Plus, Robbie sits down with Rocket's Austin Niemiec for a discussion on the three-year strategic alliance with Compass aimed at expanding home listing inventory to create a significantly enhanced and affordable home buying and selling experience for American families. And we close by looking at the evolving expectations for borrowers as mortgage rates bounce around.Today's podcast is brought to you by Floify, an industry-leading point of sale platform. Dynamic Apps 2.0 — an AI- powered enhancement lets lenders tailor application flows by loan type, including HELOC, construction, ag, non-QM and more. Borrowers see only the right questions, the right sections and are sent the right disclosures from the start. The result? Higher completion rates, less operational back-and-forth and specialty lending without the one-size-fits-all compromise. Discover more at www.floify.com — and see Dynamic Apps 2.0 in action at ICE Experience, March 15–18 in booth 713.

Two weeks into the Kouri Richins murder trial, the prosecution has presented a case that keeps coming back to the same place: Eric Richins knew. He warned his family she was trying to kill him. He hid his legal consultations from her. He was scared — and three weeks after prosecutors say she tried to poison him on Valentine's Day, he was found dead with five times the lethal dose of fentanyl in his system.This update covers the full scope of testimony so far. Carmen Lauber's account of sourcing fentanyl at Kouri's alleged direction — four purchases, escalating doses, cash in a driveway — and the immunity deal, the meth use, and the credibility fight the defense has launched against her. Robert Crozier's shifting account of what he actually sold. The digital forensics locking the timeline. The Valentine's Day receipt. The body cam footage from the night Eric died. Josh Grossmann's testimony about the affair, the texts, and the conversation in the Uinta Mountains weeks after Eric was gone.The financial architecture underneath all of it — the secret HELOC, the cut credit cards, the insurance beneficiary change, the forensic accountant's full picture of her debt.And the two texts that frame everything: Kouri writing "if I die, Eric did it" — and Eric warning his own family first.Kouri Richins has pleaded not guilty. This is the complete trial breakdown.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#KouriRichins #KouriRichinstrial #EricRichins #KouriRichinsUpdate #FentanylMurder #UtahMurderTrial #EricRichinsWarning #TrueCrime2026 #EricRichinsCase #SummitCountyTrial

Financial advice is everywhere online. Some of it is mathematically correct, but that does not mean it is right for your situation. Popular tips can sound smart, but if money is already tight, those strategies can sometimes make things worse instead of better. Hear the full episode to learn about some of the most common financial tips circulating online and why, in the wrong situation, they can quietly push people deeper into debt. Using Home Equity for Debt – What You Need To Know First Credit Counselling vs Consumer Proposal Reliable Financial Motivation – Our Monthly Newsletter Free Budgeting Planner – For Realistic Tracking Hoyes Michalos YouTube Channel – Free Canadian Debt Answers 00:00 – The problem with financial advice on the internet 02:20 – Why good advice can still be wrong for your situation 04:50 – Bad advice #1: "Just transfer the balance to a 0% card" 08:40 – Why moving debt doesn't actually reduce debt 11:40 – Bad advice #2: "Invest instead of paying down debt" 15:00 – Why guaranteed interest beats theoretical returns 18:00 – Bad advice #3: "Use your HELOC to fix everything" 21:10 – Turning unsecured debt into secured debt 23:40 – Bad advice #4: "Just hustle harder" 26:10 – The three tests for evaluating financial advice 28:40 – Why context matters more than internet tips   Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

The prosecution just finished presenting what they believe is the heart of their case against Kouri Richins: financial motive. A forensic accountant walked the jury through bounced checks, hard money loans, and a real estate business described as "imploding." By the day Eric Richins died, Kouri was allegedly $1.6 million in debt.Former prosecutor and defense attorney Eric Faddis joins Hidden Killers Live to break down the testimony in real time and explain what it means for both sides.The prosecution's argument centers on timing. Kouri commits to buying a $2.9 million mansion with no renovation money and high-interest loans coming due. Eric dies. She closes the next day. She lists the property a week later. That's not coincidence, prosecutors argue—that's someone who knew the money was coming.Defense attorney Kathy Nester pushed back hard on cross-examination. Eric was listed as a borrower on the disputed HELOC. His accounts were healthy. His masonry business was profitable. If Kouri was in financial ruin, Eric wasn't—and he could've checked his own balances anytime.Eric Faddis explains the legal bridge prosecutors must build to turn "financial desperation" into "murder for money." He analyzes whether Kouri's belief she'd receive life insurance payments matters when Eric had already changed his beneficiaries, how post-death spending factors into motive arguments, and whether stacking 26 fraud charges strengthens or weakens the murder case.The defense concedes Kouri was terrible with money. Can the jury separate "reckless" from "murderer"?Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#KouriRichins #KouriRichinsTrial #EricRichins #TrialLive #MurderMotive #TrueCrimeLive #UtahTrial #EricFaddis #HiddenKillersLive #FinancialFraud

Andrew Freed went from a $120K W2 salary to 300+ units and $70M in assets under management — in just 4 years. In this episode, he breaks down exactly how he did it using house hacking, HELOCs, and syndication.

In this recap episode, guest co-host Clare Solly joins Lesley Logan to unpack one of the most uncomfortable topics for women: money. They revisit Tess Waresmith's powerful reminder that money is just a tool, and good people should not be afraid to build wealth if they want to create real impact. From talking openly with friends about finances to knowing exactly where your money is going, this conversation makes financial independence feel less intimidating and far more actionable. If you've been avoiding your numbers, this is your nudge to start. If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:The importance of good people actively seeking wealth for causes.Overcoming the fear of discussing money openly with your friends. Tracking where your money goes to gain true financial independence. Separating short-term cash savings from long-term market investments. Finding trusted financial help and utilizing free educational resources. Episode References/Links:Poland Contrology Pilates Conference - xxll.co/poland Vintage Friends & Contrology Brussels - xxll.co/brussels Pilates On Tour® London - https://xxll.co/pot OPC Spring Training - https://opc.me/events Wealth With Tess – https://wealthwithtess.com/savvyWealth with Tess Substack - https://wealthwithtess.substack.com/Ep 352: Tess Waresmith - https://beitpod.com/tesswaresmithClare Solly Website - https://www.claresolly.com/Ep 19: Clare Solly - https://beitpod.com/ep19Rocket Money - https://www.rocketmoney.comAcorns - https://www.acorns.comSubmit your wins or questions - https://beitpod.com/questions If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Clare Solly 0:00  We should be in control of our money because nobody else cares. Lesley Logan 0:04  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started. Lesley Logan 0:43  All right. Welcome back to the Be It Till You See It interview recap where my co-host, Clare Solly, is joining us today to dig into the money-savvy convo I have with Tess Waresmith in our last episode. If you haven't yet listened to that one, you missed out. You missed the fuck out. I'm just gonna say it right now. She's amazing. We had her back. We're having Clare back. Clare, just in case people don't remember you being part of the recaps, like, a year and a half ago, and from your amazing episode. Who are you? What do you rock at?Clare Solly 1:10  I am Clare Solly, I feel like I rock at being me right now.Lesley Logan 1:14  That's the best answer no one ever gives that.Clare Solly 1:16  You know, I feel it's funny. I feel like I'm like, I have nothing super exciting, like, like, publicly going on, but I've got a lot of, like, internal stuff happening. I rock, just being a general cheerleader for anybody I come across and feeling free to talk about money widely. So I'm actually, like, this podcast, or this, this episode really got me excited. So I'm excited to be here and talk about it. And I'm, bonus, I'm here in Vegas with you recording in like, I'm across the desk from you.Lesley Logan 1:43  I know it's really fun. That's why she's got Brad's lovely, masculine background. That's true. So, you guys, Clare is here, you're visiting, and we have these recaps to do, because I was in Sacramento on Tuesday, and I was like, hey, I have to do a little bit of work. Do you want to work with me? And that is the, like, just the testament to her, and also, like, my amazing skills, (inaudible) to work alongside me, but.Clare Solly 2:07  It was a total arm twist. I'm like, not gonna lie. I was like, walking in through the door. Like, can I see the studio? Lesley Logan 2:13  Well, but also, like, but the divine timing of these two episodes that we're recording together, this one and next week. Because, like, there are topics I think that you'd actually really be interested in, not that Brad wouldn't be interested in the money one, he absolutely wants, he loves Tess, but also the skincare one. Clare Solly 2:27  I mean, two more perfect episodes for me. There were not so. Lesley Logan 2:31  Yeah, I agree. Well, today, you guys, is March 5th, 2026, and it's Name Tag Day. So on the first Thursday in March, which is on March 5th this year, duh. You guessed it, wearing name tags. On this day people become more human and pay more attention to the people who pass by them or who they pass by every day, with over 7 billion people in the world, it can be easy to feel alone and small. Name Tag Day allows everyone to be in the spotlight a little. On Name Tag Day, you're not a nameless Joe passing by in the neighborhood. Instead, when you pass by, everyone knows your name and connects with you, which is the whole aim of Name Tag Day. So Clare, are you gonna wear a name tag today? Clare Solly 3:07  I love this. I actually, absolutely will. I feel like I'm horrible at names. I feel like that's my like, negative superpower. I try really hard to remember people's names. And I mean, in our society, you like, tell people your name once when you introduce yourself to them, and then you don't know it again. I've called people by the wrong name so many times. But the tricky thing is, like, where do you wear your name tag? Lesley Logan 3:27  Oh, I love where do you wear it? Clare Solly 3:29  I like to wear mine, like, down on my hip. I mean, I'm like, a giant so my hip is, like, everyone's eyeline, but I feel like it messes up, like, unless you have, like, a really cute one, like the Hello, my name is, sticker, like, messes up. Like, your your top hat, it gets in your hair.Lesley Logan 3:43  So many top, oh, my hair is all over. It just peels it right off. And then also, like, depending on the material of your top, ladies, I mean, so I kind of wish that like this, maybe I should have a name tag that's magnet, and I can just put it any like, you know what I mean, so it's one I can use every year. But I am someone who is like, oh, I'm gonna put it down my hip. But then when you, if you're sitting for the meeting, you know, like that's a problem. So I ended up putting it on my bag as if that's helpful. And it's not because it's now that I think about it. So I probably am the reason why this name tag digs is because I'm really good at remembering faces of people. I can remember like when we worked together on retail. I can remember what people bought, I can remember when we saw them last. I remember who they bought the gift for, and I cannot remember their name, like, it takes a few times. And so I I'm very aware of this. And people like, it's a choice. And I'm like, I don't think you understand that like, the fact that I can remember everything you said to me, like, I'll say people, I'm like, oh, I remember you, but I don't remember your name. And they're like, oh, it's this one. Like, we met two years ago at this thing. I'm like, oh, that's right, it was in DC, you had so and so with you, and they look at me like I'm a crazy person, because I can remember the details of the event, but not your name. So maybe this is my day. Clare Solly 4:47  Maybe it's your day. Lesley Logan 4:48  Yeah, so it's not too late, if you're listening to this in the evening, go put your name tag on before you go to the bar. Why not, you know? Clare Solly 4:52  Why not. Lesley Logan 4:53  All right, so you guys, we are days away from going to Poland, so we'll be in Poland for a few days. I guess it's like the 20, 20th of the 22nd so you should come with Karen Frischmann, and I don't know when I'm coming back, as I was talking to my friend Clare, like I'm really aiming to travel, like I combine the travels and it might be like 2028 so xxll.co/poland that I'm gonna go to, technically, I'll be in Bruges, but we've been saying Brussels. So, you know, same country, just a difference, but it's at Els Studio. Pilatels we with Karen Frischmann, Els and my friend Ignacio. We all study with Jay Grimes together. That one's almost sold out. It's xxll.co/brussels but yes, we'll be in Bruges, and then after a second honeymoon in France, Brad and I will be at POT London. That is almost sold out, and at the time that this episode is dropping, you can still get the 10% off that ends like literally next week. So xxll.co/pot, at the time we're recording, I have a few spots left in my Sunday workshop, and just because London is different than Poland, doesn't mean that I'll get there any sooner. So you're gonna want to go. And then when we come back, we have spring training. So if you are Pi-curious, Pilates curious, or you're advanced practitioner who's just struggling with some exercises, you're going to want to be in that week long training. You want to go to opc.me/events is where you want to go, because that is where we are having a lot of fun. And if you're on the events list and you get you'll never miss the early bird. You'll miss you'll get all the bonuses. So go there. Lesley Logan 6:18  Okay, before we get into this recap, Clare, you're taking over the questions the next two weeks. So what do you want to ask me?Clare Solly 6:24  I am. So, you know, I noticed that we're at 650 episodes like, wow, how did that happen? That's not the question, sorry. And that was too easy. But since this is the Be It Pod, what is your next big Be It item, Lesley? Lesley Logan 6:40  Oh my God, there's a few I can't tell you guys just yet, or kind of like they're not public yet. But what I'll tell you that is public, and you'll actually experience on the show, I am being it till I see it as a solo podcast. Clare Solly 6:52  Oh. Lesley Logan 6:53  So don't worry, the interviews are not going away. I just want to reduce how many we have. We did a habit series, which was a longer series, and it was combined with guest episode. And then I did a week about burnout, and then a week about self-love. The self love one was the week of Valentine's Day. I think that's appropriate. And so I want your topics that you want me to nerd out about. You guys, you can go to beitpod.com/questions, and just so topics for Lesley to talk about. And so basically, like, I want to take a topic and then do two episodes on it, so Tuesday, Thursday. So we're not going to change your cadence of when your episodes come, but I feel like you couldn't have, like, I would have been too stressed out to do a solo episode ever when we first started the pod, and now that we're 600 something episodes in, and I do all these FYFs, I'm like, I think I'm ready to, like, take on maybe one one week or two weeks a month, of just like, owning the podcast myself and giving you the information from my perspective and and hopefully holding space for topics you want to know about. And that's a little scary for me, because I won't be able to let someone else's light shine and then, like, bounce off of them. I have to, like, shine it myself. Clare Solly 7:59  I just kind of want to reiterate what you're saying, because I think it's really, really important for all your listeners, especially this is the Be It Pod, and it's something you and I have talked about incessantly in our lives. So you've done 650 episodes, five, I want to say it's like been five and a half years, almost six years, that you've been doing this, and you're just now ready to start out on your own. So everybody who's listening. You don't have to take that long, but you also can take that long. And then just want to reiterate, too. If you have a question, text us at 1-310-905-5534, or submit it at beitpod.com/questions.Lesley Logan 8:36  That's what, I want your topics. I want your questions, I want your wins. They all go in the same place. I know that's weird, because it's just questions. But like, maybe the questions will inspire a podcast series. But I just, I know, I think I was probably ready sooner than before. But like, it's a big deal to change the how you run your show. Like, it means I have to, like, tell everyone on the team what I want to do, and then they have to, like, adjust everything. And like, you know, it used to be a little like tugboat that I was doing this business, and now it's kind of more like a yacht, and I have to, like, it's harder to turn a yacht around. Clare Solly 9:04  It's harder to turn a yacht around. Lesley Logan 9:06  It's not a cruise ship. We're not that big yet, but it is a you have to be a little bit more cautious about how you turn. There's little tug boats out there. All right.Clare Solly 9:18  Well, should we talk about Tess Waresmith now? Lesley Logan 9:20  I think we should. Tess is an accredited financial counselor, trademark, and the founder of Wealth with Tess, a platform dedicated to financial education for women, she teaches an approachable investing and money fundamentals that support independence and long term security. Tess's work centers on helping women build enough financial stability, to have options later in life, including the ability to step back from work and retire with confidence.Lesley Logan 9:49  I really am so glad she's in my life. I we've had her on the pod before, and I was just like obsessed with her. I've done her course actually, and I just think that like, we need more women like her talking about money, because she does it in such an honest way. And she's vocal about what's going on in our world and how it's affecting, like, your money, not rich people's money. And we've been, like, kind of conditioned. I think that, like, rich people know what to do when they get money. And so she said on the pod that I really love she's like, money is a tool. It's not either good or bad or evil, it's just a tool. And she really made the argument that, like, good people should actively seek to acquire more money because they make a bigger impact and donate to causes that you care about. I couldn't agree more, because, like, look, there's a lot going on, and we're like, what's my $20 going to do? But you know, if you have money that you are able to, like, have extra of, you're more likely to give it to local causes that inspire you based on your own life experiences. Maybe you donate to a local cause, like, we donate to the SPCA because I want to adopt all the rescue dogs, and I cannot, and they're here, and my money goes farther with them here. You know, there's people right now who are needing, like, rent help or health care support, and like, if you have an extra $100 you can give it to people and so I think we should, those of us who have a heart actually should be the ones with the money. Clare Solly 11:06  I agree. I agree. And I think to, sort of to, like, piggyback onto that thought, too, giving money, you have to decide if you want to see it in action or not. Like you you give locally because you want to see it in action. But some people want their money to go farther, and they don't need to see it in action. So figure out what you care about. I love that.Lesley Logan 11:23  What a great point, Clare, because I do think that sometimes we go, oh my god, what are people going to think that I'm not giving to like the environment or like the home, like, there I had someone on early in the podcast who talked about, like, if you can take what you care about and you can give to that, whether it's time or money, you will see change. And if someone else cares about something different, and they focus on that, I think we, as especially as women, feel this pressure that we have to, like, care about all the cares. And, and you should have some empathy for all the cares, but also you'll you're you'll exhaust yourself and your mind, and then you'll be too busy to actually like, go and acquire the wealth that gives you the independence and freedom to choose how you spend your money and who gets that money. And I do think that, like, we'd be in a different place right now if more people had some independence be due to finances. I think some people don't leave terrible jobs because of money, and that means bosses can be abusive and they can't, you know, there's just different things that if we if the. Clare Solly 12:21  I was one of them. Lesley Logan 12:22  Yes, oh my gosh, yes. I know. So, like, I don't know. I just, I really, but I think we need to continue to remind ourselves that money is a tool. Clare Solly 12:31  Yeah, well, in my podcast with you, way, way, way back when, I'm sure your team will put it in the show notes, I want to say it's episode 19, single, double digits, baby. I was early on, but I was the woowoo side of this. Like money is energy, and it is a measure on the energy you as a human put into something that your company gives back to you so you can use, you know, because we're not in the days of of goats trading, you know, the goat that you farm for the milk that I need. So go back and listen to that podcast, everybody. That's your homework. But one thing I loved, and actually, I kind of want to, I have two things. I'm gonna I'm gonna take it. I love that she said, we're afraid as women, especially, to talk with our friends about money, and I think we need to like because we are afraid of money, because we've been trained to be afraid of money and not spending it or spending it when we have it, and then, you know, so we as women kind of are trained to go between feast and famine, because we don't talk about what people have. And bonus, we're all so used to the Instagram version of everybody, so like, I, you know, I'm jealous of like and like, you're one of my best friends. And I tell you, I'm like, I'm jealous of your lifestyle, and you're like, girl, you were seeing the tip of the iceberg. And but like, well, and then we'll talk about things, and we'll talk about a minute, and it's sometimes not directly bank account related, but we'll talk about things like you just mentioned you found this great person you've been wanting, and you, you know, you bargain chopped for it because you wanted this purse and. Lesley Logan 14:04  Yeah. I wanted this purse. It's not cheap. And I was like, well, I don't want to spend that much, but I want to, I want to buy it. So I'm just gonna wait and be patient. And I think, like, I do think I had, I have had friends who are like, because they care. They're like, well, how much was it? I'm like, I'll tell you, because if you want this bag, you should know, don't pay more than I paid. You can get it.Clare Solly 14:23  Yeah, yeah. And it's all like, what we value versus how much we have and, and I think one thing too, that she said was, like, don't overspend what you make. And I think that, you know, I think there's a little bit of gappage in there, but if you're really trying to control yourself, like, yeah, make sure that you can, you can pay close to what your credit cards are. Lesley Logan 14:42  Well and there's so many tools now, like, there's and I think that are different than what we had when we were growing up, which was just like a piece of paper and a budget, you know, like a checkbook. Do you remember, doing the checkbook and doing the math. And I think that, like, you know, it's true, especially because in our lifetimes, our moms finally had permission to get their own bank account, their own loans, you know, and their own credit cards. I'm like, that's crazy, that in our lifetimes. So it's, it's, it's clear that the education about that. But I, if people ask me, you know, about different things, like, I'm very honest, like, you know, we got, you didn't know I had a new car, and it's a car that I've wanted for over 10 years. And I literally said, you know, like, this is a write off.Clare Solly 15:22  And I totally thought you borrowed a car from a friend. When you picked me at the airport, I was like, how did you borrow your dream car from a friend? That's amazing.Lesley Logan 15:29  Yeah, well, I mean, like, because I don't, like, I don't put a ton of of the stuff on the internet, because people will make up a different story about it. And, like, I but I am really honest with in our coaching business, we'll tell people like, this is why you should set your business up this way, because these things are write offs, and you'll get these kinds of things. And, like, the reality is the rich got richer because they know how the loopholes are right. And like, am I a fan of, like, a flat tax for everybody so there's no write offs, but yeah, because I think the world of Pilates is a better place, and there will still be someone who finds a loophole for it. But like, I actually do want my tax dollars to work for the people that do have less. Like, I actually want to be like, yeah, this my tax money goes to the health care and the housing and the education of the people coming because, like, like, it's this funny joke that I'm very much stuck on. But like, I don't, I don't have children, so who is going to take care of me when I am older, right? Like. Clare Solly 16:17  You now is going to take care of you when you're older, right? Lesley Logan 16:19  Yeah, right. So like, you know, I need to have money for that. And I also want people who are not me to be educated in a way that they could support me when I'm in need. I don't want someone who, you know what I mean. So I think, like, I wish more people thought like that. I do think that anyone listening to this podcast does care about how others are, and so, you know, yes, it's voting, and yes, it's all these different things. But also, until the government actually works for the people, we women are more likely to spend our money in our communities and support other people. And so we need to understand how the game is played and use it. And maybe it means, like, figuring out, you know, maybe it's using, like, something like a Rocket Money to figure out where your money is going. I don't know. They don't sponsor the show, but if someone knows them, I'll take a commercial ad from them, I'll take that money and I'll give it to the SPCA. But like, I think if you don't know where your money is going yet, that's the first place to start, you know.Clare Solly 17:14  Yeah and to, like, to start the conversation. This kind of goes into my second point, or my second you know, love it Be It item from this. I think, like, one of the conversation starters that you can have with your friends, it's easier than, hey, Lesley, how much do you make annually? Because, like, that's also a touchy subject, and sometimes we don't want to share that, but maybe start talking about the economy and the stock market being different things, and talk to your friends about, like, what they're interested in and if they invest, and how they invest, because she mentioned a whole bunch of things, 401(K), Roth IRA, a regular IRAM. She also said the thing about investing for her, her niece, you can do that for yourself. You can throw $100 in a Rocket Money account, an Acorns account, just a regular savings account, a CD like start talking to your friends about how they make their money work for them. And if they're not, like, find a buddy. And like, start going down and share things. Like Lesley and I, we shuttle things back and forth to each other all the time about, like, business and how to invest and things like that. And like, it's not mind blowing, earth shattering, and sometimes it's a reiteration, but we do talk about money, and I'm so glad I have you to be able to talk about money openly. It's so great.Lesley Logan 18:29  Well, I agree same. I mean, like, the thing is, you who told me, because, like, I work for Equinox, and they told me, in my benefits package, there's a 401(K), right? And there's a program, and they did, like, some sort of matching up to some amount of money. And my male trainer was like, Do you are you doing the 401(K)? And I was like, Oh no, I don't really know what to do. And he's like, you just say you want it, like, and they'll just take the money out. And like, I didn't know. No female around me had told me to do it. And I'm not saying that they're at fault. Like, I could have done the research. But like, sometimes we all have so much going on, and so like, making sure that our friends know these things, or at least your colleagues, like, hey, yeah, did you hear that they're doing a match on the 401? K, I upped my like, announce that. Because everyone wins, by the way, everyone wins whenever, when you're, when, when that happens. And retirement does affect us all. Like, it's just going to if you're, if your family members don't, aren't set up for retirement, it's going to negatively affect you in some way. Either they're gonna need more from you, or they're gonna be working forever and you're gonna have less time with them. So I think that's important. So that happened, and then, because I have friends and clients like my business of just teaching people who obviously people have private session Pilates, they have a little bit more money, I let them talk about what they were doing when they were talking about investing, or they're talking about their stocks are down, I would go tell me like, tell me more how that works. Like, I just got curious, and I learned from them. I learned how one of my friends borrowed money from her parents, and she did it the right way so that she'd like pay a loan back, and then she was able to use that in her taxes to write some stuff off. Like, you, people will share with you, but sometimes we're not asking the questions. We just hear them talk about, oh, I'm, I'm, I'm buying this house, or, like, I got, like, I had a friend who was like, Oh yeah, I'm doing, I'm doing a remodel. And I was like, oh, that must be, like, I didn't, like, how long did you save up money for that? Right? She's like, Oh, I did this HELOC. And I was like, Oh, my God, what's a HELOC, right? I don't know these things. I'm a first time homeowner. I don't know anything. What I know is everything fucking is on, on us to fix. But guess what? It's not because we had the AC go down and because our neighbors mentioned something they had, we had checked the right box when it came to our homeowner's insurance. When our AC broke, that motor's $3,000 and Brad was able to do X, Y and Z with the homeowner insurance. And guess what? It's and so we would have been out $3,000 that we didn't need to be. And I think this is where, like talking with your friends, talking with your neighbors, asking what they're doing, if they don't want to tell you, you'll find out. Their body language will shift. They'll get really weird, and then you'll know interesting they don't want to talk about that. I don't have to have a judgment towards it, but I'll find someone else. Yeah, no, I agree. Women, let's talk about money more. Clare Solly 20:58  Let's talk about money more. Okay, all right, so let's talk about those Be It Action Items. What bold, executable, intrinsic or targeted action items can we take away from your convo in preparing or weathering volatility, stock market crashes and building substantial wealth? She advised, money invested in the stock market should be funds you do not need for the next three to five years. It's your fund money, guys. Organize finances by their intended timeline and purpose. Clearly separate short term needs, cash savings from long term goals and keep more money in cash, such as high yield savings account during the uncertain times. This serves two purposes. It provides a safety net to cover expenses without being forced to sell investments, and it prevents emotional and panic-driven decisions. I mean, I have, like, a rule of thumb, because I live in New York City, I have two months of rent saved up, because you never know what's gonna happen.Lesley Logan 21:52  No, I think that that's wise. And thanks for sharing what you're doing. I think, like, you know, Tess was honestly on the pod. She's like, yeah, I'm having, I have, I actually have more cash on hand now. Yeah, it's a little more uncertain right now. And when we were recording this, we're like, it'll be interesting to see when this comes out. Like, what's going on. And I, I asked her, like, I DM-ed her, I said, Hey, your episodes coming out in March. Like, is there anything you want to add? And she's like, I really stand by. Like, the things that I said, and, and, and she and so one of the things that she said in the Be It Action Items is just like, no one cares about your money more than you do. Clare Solly 22:20  No one cares. Lesley Logan 22:21  No one cares about your money more than you do. So if you care about your money, she actually said to go, like, go, I want you to go with the show notes. She has a free guide, and it's been 20 minutes reading it. It takes 20 minutes, and just pick one next action step. Like, honestly, I think we overwhelm ourselves by all the different things that there is to do, the CDs, the 401(K)s. But like, if you start with like, one thing. And for those of you who are employed, like, is there a 401(K)? Are you maxing out it? I know that they've made changes to, like, how much you can max out. So are you maxing out to the new changes? You know, I believe everyone should just have an accountant, because these tax laws are so freaking ridiculous, and your accountant needs to know what your goals are. So you might need to sit down. Maybe your next action step is like, what are my money goals? Like, you know, I'm 43 so my goals now are different than my goals when I was 33 right? So what does that look like? Are they understanding? You know, Brad and I've been very vocal, like, we talked to our accountants all the time. When we bought went to buy our car. We were very specific about, like, Okay, if we buy it this week versus the next week, because it's at the end of the year versus the beginning of the year. Like, what are the risks and losses and pros and cons, and I think that that's important stuff. So obviously, we work for ourselves versus being employed. And, you know what? With chatGPT, you could literally ask it, hey, this is who I am, this is how much I make. This is what's going on. Like, what do you think? Like, I mean, obviously I would, I would research anything it says. But like, there's tools right now to take action so you can be educated one step at a time, you know?Clare Solly 23:40  Yeah, and to kind of piggyback on that. You guys didn't talk about this, but one thing that came to mind when you were talking is, if your gut is saying one thing, and your accountant or your investment person is telling you another, go get a second opinion. Just like a doctor, it's okay to get a second opinion. If you're not feeling like something might be off, like, in it, you don't have to invest with somebody to go do that. Just go, like, call somebody up and say, Hey, I got this advice. They may or may not be like, be able to help you. And so you try to, have to try a second, second opinion, but.Lesley Logan 24:09  You might, and also you should, because if they're like, if your gut is going, hmm, they seem a little shady, then move on. Like, listen to your gut with that. And in fact, Tess's first episode with us really talks about, like, finding those wealth people, or how to do it yourself. So it just depends on, like, you know, what your capabilities are. I will say, like, Brad and I do have someone that we trust helping us, because maybe it'll be different now that we're like, have help with the ADHD, but it just felt like a little bit more than we could take on in this particular moment. But they're very clear, very communicative. We checked with, you know, Tess's fees and all that stuff, so we're making sure that we're making sure that we're not getting screwed over like but so there's just different help out there. And you can also go to Tess as a certain a Substack that is free. Clare Solly 24:49  Really? Lesley Logan 24:50  Yes, it's free. Clare Solly 24:51  Oh I'm signing up. Lesley Logan 24:52  I know I know. Me too, because I like her honesty about everything. I like her attitude. I like she her, you guys, when she teaches you how to actually manage your own accounts, you can literally just do it like I'm just, I have just have a problem with, like, starting new things sometimes, and this is one of them. Obviously, therapy will help, but, and next year could be different, but where I am today, but you can do it like it's, I will. I watched it, I was like, I can do this right now. And I actually opened up my own high yield savings account without Brad did myself. Like, I'm so excited, because that money is what's taking us on our second honeymoon, his and mine. Like, we that was the goal of this particular account that we opened. But she's such good information. You're gonna go to wealthwithtess.substack.com and you can grab it for free. So I (inaudible).Clare Solly 25:36  And Tess is gonna be super proud of you. Like, that's amazing. Lesley Logan 25:39  I know. Clare Solly 25:40  Like, I mean, because we should, again, back to what we first said. We should be in control of our money, because nobody else cares.Lesley Logan 25:46  Yeah, I mean, that's very true. And so anyways, if we can live with anything, it's go take one piece of action on educating yourself about your money that Tess has for you. It's all free out there. And then there's ways to invest if you want to know more. I'm Lesley Logan. Clare Solly 25:58  And I'm Clare Solly. Lesley Logan 26:00  Thanks for joining us today. I hope you had fun with Claire and I if you miss Brad, he'll be back in a couple weeks. Don't worry, he's not going anywhere. But we are so grateful for you, and I can't think of a better episode to share with a friend than our money episodes with Tess and Clare. So you can listen to the woo one. You can listen to the legit one. You can listen to this update. Not that yours is not legit, but I guess how should I say it. You can listen to the dry one. What is it? What's the opposite of woo, like. Clare Solly 26:26  Grounded in fact. I don't know.Lesley Logan 26:29  Grounded. I don't know. It's not I, I think that like everything in moderation, including moderation, yeah. So well listen to both of them, and then go take some action steps that work for you. And until next time, Be It Till You See It. Clare Solly 26:39  Go do your homework. Lesley Logan 26:40  Do it. Lesley Logan 26:42  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 27:24  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 27:29  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 27:33  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 27:40  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 27:44  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Clare Solly 27:57  All right, so let's talk about, no, wait, we have to pause.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Welcome to the Religion of Crushing Debt, where we regularly confess our sins and ask for forgiveness. What sins have you committed that you would like forgiveness from Shawn & George? In this week's episode, we talk about financial "sins" most borrowers make, even innocently or unbeknownst to them.  Some of the sins include: I make money but live paycheck to paycheck. I maxed out my 401(k) but haven't talked to my spouse in months. I used my HELOC to buy Crypto Currency. I haven't filed taxes in three years because I'm afraid of what I owe. My business is profitable, but I pay myself nothing. I bought a car I cannot afford because my friends have one. I co-signed for my kids' loan. I have a high-paying job that I hate. Let us know if you enjoy this episode and, if so, please share it with your friends! Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt   To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach   To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MyLegacy2026  

In this conversation, Dylan Silver interviews Arthur Miguez, a partner at Lending Spot, discussing various aspects of mortgage lending, particularly in South Florida. They explore the growing popularity of DSCR loans, the competitive investment landscape in South Florida, and the diverse profiles of investors in the region. Arthur explains the differences between cash-out refinancing and HELOCs, emphasizing the importance of leveraging home equity for real estate investments. The discussion also touches on future projects in Miami and the advantages of investing in the area.   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   —--------------------

Sarah Msuya reveals how imperfect action, relentless focus, and bold decision-making helped her transform a single deal into a thriving portfolio while inspiring others to pursue wealth through disciplined investing and powerful mindset shifts.See article: https://www.unitedstatesrealestateinvestor.com/imperfect-action-creates-extraordinary-wealth-through-focus-and-grit-with-sarah-msuya/(00:00) - Introduction to The REI Agent Podcast(00:35) - Welcome and Guest Introduction: Sarah Msuya(01:20) - Sarah Shares Her Real Estate Background and Portfolio(03:10) - Parenting, Work, and Balancing a Busy Life(05:05) - The Role of a Nanny and Building Flexibility for Work(07:10) - Discovering Real Estate Investing During the COVID Era(10:30) - Learning Through Podcasts and Taking Early Action(13:40) - Sarah's First Deal and an Unexpected Wholesaling Opportunity(16:20) - Pivoting Strategies After Pregnancy and Buying the First Rental(19:10) - Using a HELOC and Managing Cash Flow from Rentals(22:05) - Building Wealth While Maintaining Active Income(24:15) - Using a Duplex to Offset Living Expenses(26:50) - Entering the Real Estate Agent World(29:10) - From One Deal to 49 Deals in a Year(31:45) - Early Career Hustle and Learning Through Buyer Agent Work(34:20) - Generating Leads with Zillow, Redfin, and Conversion Strategies(36:40) - Transitioning from Paid Leads to Referrals and Niche Expertise(38:00) - Creative Financing Strategies and Scaling a Portfolio(39:20) - Golden Nuggets: Imperfect Action and Staying Focused(40:10) - Where to Connect with Sarah Online(40:35) - Podcast Closing and Final RemarksContact Sarah Msuyahttps://www.facebook.com/SarahMsuyaRealtor/https://www.instagram.com/sarahtalksrei/https://www.linkedin.com/in/sarah-msuya-458a511b3/https://www.youtube.com/@sarahtalksreiSuccess does not belong to the person with the perfect plan. It belongs to the person who moves forward before everything feels ready. Sarah Msuya's story proves that momentum begins with a single decision to act. Start where you are, use what you have, and keep building the future you want one step at a time. For more insights and inspiration from today's episode, 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

Dane Peterson joins Ted Kaasch and Owen Dashner to unpack what it really looks like to go from “first rental” to scaling fast—mistakes and all. Dane shares how his early deals left way too much money in the property, what changed once he got smarter on banking, and why a HELOC flipped the switch from buying one at a time to building real momentum.They dig into tenant screening (hint: the score isn't the whole story), Section 8 realities—good tenants, nightmare turns, and everything in between—and the chaos that comes from property management surprises, utility headaches, and insurance fine print. Then Dane breaks down his biggest jump yet: taking down a rough 60-unit in a great area, navigating an appraisal that came in wildly low, and the ongoing process of stabilizing and repositioning the asset.If you're into real-world investing (no guru fluff), subscribe and check out more episodes at REIARadio.com. You can Join the Omaha REIA - https://omahareia.com/join-todayOmaha REIA on Facebook - https://www.facebook.com/groups/OmahaREIACheck out the National REIA - https://nationalreia.org/ Find Ted Kaasch at www.tedkaasch.com Owen Dashner on Facebook https://www.facebook.com/owen.dashner Instagram - https://www.instagram.com/odawg2424/ Red Ladder Property Solutions - www.sellmyhouseinomahafast.com Liquid Lending Solutions - www.liquidlendingsolutions.com Owen's Blogs - www.otowninvestor.com www.reiquicktips.com Propstream - https://trial.propstreampro.com/reianebraska/Timber Creek Virtual - https://timbercreekvirtual.com/services/MagicDoor - https://magicdoor.com/reia/...

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you holding too much cash “just in case” — and missing bigger wealth-building opportunities because of it?Most Canadians start with a simple emergency fund. But as your net worth grows, your “wealth reservoir” gets more complex — and more powerful. The problem? Many people never redefine their number. They double-count safety, sit on excess liquidity, or stay overly conservative without realizing it. Meanwhile, others jump into advanced strategies before they've earned the right to. If you've ever wondered whether your cash buffer is too small, too big, or just inefficient, this conversation will challenge how you think about financial security and opportunity.In this episode, you'll learn:How to clearly define your personal “tier one” emergency number — and why it should evolve over time.When excess liquidity becomes “gravy” that can strategically supercharge wealth through smarter moves.How your asset mix (real estate, ETFs, leveraged investing, business ownership) changes the size and role of your reservoir.Press play now to rethink your wealth reservoir and discover whether you're protecting your future — or unintentionally holding it back.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at the latest partnerships and Agency profit drivers from around mortgage industry. Plus, Robbie sits down with MakeMyMove's Evan Hock for a discussion on new data that shows that many financially stable, middle-income households are being priced out of homeownership in major metros notby monthly affordability but by lack of access, prompting relocations to smaller regional hubs where similar housing costs unlock ownership, stability, and better quality of life. And we close by looking at the end of this month's auction slate from the U.S. Treasury.This week's podcasts are sponsored by FirstClose. FirstClose Equity gets you to closings faster by empowering borrowers with vital property decisioning data. It is the only end-to-end digital HELOC & HEL solution built specifically for home equity.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we dive into some mailbag questions I've been receiving from around the mortgage industry. Plus, Robbie sits down with Yardi's Doug Ressler for a discussion on the post-pandemic structural shifts driving affordable housing construction to outpace overall apartment development, how regional differences reflect policy and migration trends, and what distinguishes metros that successfully deliver projects from those that stall. And we close by looking at the strains impacting the domestic economy.This week's podcasts are sponsored by FirstClose. FirstClose Equity gets you to closings faster by empowering borrowers with vital property decisioning data. It is the only end-to-end digital HELOC & HEL solution built specifically for home equity.

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ Welcome back to the Rent To Retirement Podcast with hosts Matthew Seyoum and Tommy Brown!In this episode, we sit down with Cleveland, a real Rent To Retirement investor who shares how he went from qualifying for $150,000 to closing on a cash-flowing San Antonio rental property in under 30 days.After paying down debt and improving his ratios, Cleveland requalified for over $300,000 — and when new inventory hit the San Antonio market just 20 minutes from his home, he moved quickly.In this episode, we break down:• How he increased his buying power in 7 months• Why San Antonio's fundamentals (military presence, population growth, diversified workforce) made sense• How builder incentives helped secure a 5.75% interest rate• The advantage of buying a property with a tenant already in place (20+ months remaining on lease)• How he structured his down payment using a HELOC, life insurance, and reserves• Why he chose 25% down to reduce risk• How he closed in just 2.5 weeks• His plan to scale into Katy, TX and potentially FloridaCleveland now has built-in equity, long-term lease stability, professional property management in place, and a clear strategy to continue adding doors.If you're serious about building long-term passive income through rental properties, this episode provides a real, transparent look at how investors are succeeding in today's market.⏱ Accurate Episode Timestamps00:00 – Introduction & Cleveland's Investor Background01:14 – Initial $150K Pre-Approval & Improving Ratios02:18 – San Antonio Inventory Opportunity03:16 – First Investment in 20 Years04:19 – Tenant in Place + Two-Year Lease05:18 – Closing in 2.5 Weeks08:20 – Funding the Down Payment (HELOC + Life Insurance + Stocks)09:57 – 5.75% Interest Rate & Builder Incentives12:26 – Market Fundamentals & Risk Mitigation15:33 – Scaling Strategy: Texas & Florida Diversification20:01 – Advice to Investors: Take Action

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we dive into the ramifications of licensing AI as an originator. Plus, Robbie sits down with Optimal Blue's Erin Wester for a discussion on the extensive lineup of mortgage capital markets innovations unveiled at 2026 Optimal Blue Summit, including an industry-first AI/ML-powered forecasting tool. And we close by looking at what home prices are doing across the nation.This week's podcasts are sponsored by FirstClose. FirstClose Equity gets you to closings faster by empowering borrowers with vital property decisioning data. It is the only end-to-end digital HELOC & HEL solution built specifically for home equity.

When to Sell, When to Wait, and Why “Feeling Protected” Isn't the Same as Being Protected Hosts: Karen Chellew (Legal Liaison & Co-Founder, My Divorce Solution) + Catherine Shanahan (Divorce Financial Specialist, CDFA & Co-Founder, My Divorce Solution) Real estate is often the biggest (and most emotionally charged) asset in a divorce — and it's where rushed decisions can create long-term financial risk. In this episode, Karen and Catherine break down the real meaning of “protected” when you're selling, refinancing, buying, or co-owning property during divorce. They explain the critical difference between being on the note, the mortgage/deed of trust, and the deed — and why misunderstanding those documents can leave your credit, liability, and future borrowing power exposed even if your divorce agreement says you're “off the hook.” You'll also hear real-life scenarios from recent clients: the spouse who didn't know they were still on the mortgage, the hidden HELOC that sat unresolved for 20 years, and the buyer who thought a “divorce clause” in a purchase contract would protect him (it didn't). The core message is simple: real estate decisions in divorce are financial risk decisions — and clarity is what actually protects you. Learn more about your ad choices. Visit megaphone.fm/adchoices

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ Welcome back to the Rent To Retirement Podcast with hosts Matthew Seyoum and Tommy Brown!In this episode, we sit down with Cleveland, a real Rent To Retirement investor who shares how he went from qualifying for $150,000 to closing on a cash-flowing San Antonio rental property in under 30 days.After paying down debt and improving his ratios, Cleveland requalified for over $300,000 — and when new inventory hit the San Antonio market just 20 minutes from his home, he moved quickly.In this episode, we break down:• How he increased his buying power in 7 months• Why San Antonio's fundamentals (military presence, population growth, diversified workforce) made sense• How builder incentives helped secure a 5.75% interest rate• The advantage of buying a property with a tenant already in place (20+ months remaining on lease)• How he structured his down payment using a HELOC, life insurance, and reserves• Why he chose 25% down to reduce risk• How he closed in just 2.5 weeks• His plan to scale into Katy, TX and potentially FloridaCleveland now has built-in equity, long-term lease stability, professional property management in place, and a clear strategy to continue adding doors.If you're serious about building long-term passive income through rental properties, this episode provides a real, transparent look at how investors are succeeding in today's market.⏱ Accurate Episode Timestamps00:00 – Introduction & Cleveland's Investor Background01:14 – Initial $150K Pre-Approval & Improving Ratios02:18 – San Antonio Inventory Opportunity03:16 – First Investment in 20 Years04:19 – Tenant in Place + Two-Year Lease05:18 – Closing in 2.5 Weeks08:20 – Funding the Down Payment (HELOC + Life Insurance + Stocks)09:57 – 5.75% Interest Rate & Builder Incentives12:26 – Market Fundamentals & Risk Mitigation15:33 – Scaling Strategy: Texas & Florida Diversification20:01 – Advice to Investors: Take Action

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we dive into the Supreme Court's ruling against tariffs last week. Plus, Robbie sits down with Plantd's Josh Dorfman for a discussion on the intersection of sustainability, capital markets, housing, and pragmatic climate solutions for business and policy leaders. And we close by looking at the Treasury's quarterly refunding.This week's podcasts are sponsored by FirstClose. FirstClose Equity gets you to closings faster by empowering borrowers with vital property decisioning data. It is the only end-to-end digital HELOC & HEL solution built specifically for home equity.

Divorce isn't just emotional — it's financial restructuring.In this episode of the Grey Rock Realty Podcast, we sit down with Cat Barnett, a Certified Divorce Lending Professional (CDLP) with 25 years in mortgage lending, to break down what really happens to the house during a divorce in Colorado.We cover:• When to talk to a lender during divorce (hint: earlier than you think)• Cash-out refinance vs. rate & term refinance• How alimony and child support affect mortgage qualification• VA loan assumptions during divorce• Why most people who keep the house sell within 3 years• Common attorney blind spots• The danger of quitclaiming off title• Why selling before the divorce is final can backfire• How to protect your credit if one spouse keeps the homeThis gets technical fast — because real estate, lending, and divorce law intersect in complicated ways.If you're navigating divorce and real estate in Northern Colorado, lean into specialists who understand how these pieces fit together.Contact Catherine Barnett: team@loanfit.us | loanfit.us | https://form.jotform.com/260495276369167

In this episode of the podcast, we interview investor and nurse Miranda Widmeyer about her first ADU (Accessory Dwelling Unit) project in California—turning a used tiny home on wheels into a fully permitted, high-cash-flow rental. Miranda shares how she intentionally bought a property with space for an ADU, used a rent-by-the-room strategy in the main house to cover her mortgage, and then found a $40,000 tiny home on Facebook Marketplace, negotiating creative seller financing to avoid overleveraging.She walks through the realities of being the first person in her city to convert a tiny home into an ADU, including months of back-and-forth with the city, the manufacturer, and engineers to satisfy code, secure plans, and work through Insignia and permitting challenges.Miranda breaks down her actual numbers—including utilities and concrete —and her target rental income, which comes in under budget and beats the 2% rule. She also discusses funding the project with a HELOC and extra hospital shifts, the power of problem-solving and not taking “no” for an answer, and how the WIIRE Community helped her lead her team and push the project across the finish line.  Resources:Get in touch with Miranda WidmeyerGet all the deets on Miranda's Scrubs2Success Community Simplify how you manage your rentals with TurboTenantGet in touch with Envy Investment GroupMake sure your name is on the list to secure your spot in The WIIRE Community Leave us a review on Apple PodcastsLeave us a review on SpotifyJoin our private Facebook CommunityConnect with us on Instagram

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we dive into the Supreme Court's ruling against tariffs last week. Plus, Robbie sits down with Clear Capital's Dan McAlister for a discussion on why UAD 3.6 is already creating real operational pressure for lenders, how readiness gaps are showing up as appraisal friction and downstream conditions, and what teams need to fix now to adapt their review workflows and avoid slower turn times as the mandate approaches in 2026. And we close by looking at this week's economic calendar.This week's podcasts are sponsored by FirstClose. FirstClose Equity gets you to closings faster by empowering borrowers with vital property decisioning data. It is the only end-to-end digital HELOC & HEL solution built specifically for home equity.

Should you use your home equity to buy a rental property? Whether it's your primary residence or another investment property, this strategy could help you scale faster. But between a cash-out refinance, a home equity line of credit (HELOC), or a different method entirely, what's the best way to tap into your funds?   Welcome to another Rookie Reply! Today, Ashley and Tony are answering more questions from the BiggerPockets Forums, the first of which comes from someone who's looking to redeploy the home equity they've built up in one of their properties. Tune in as we share several creative ways to take down your next deal and grow your real estate portfolio!   Another investor is struggling to estimate rents when analyzing rental properties. We share several tools every rookie can use, as well as the method Ashley uses to calculate rents by hand. Finally, if you own short-term rentals, a cleaner might be the most important hire you ever make. Stick around as Tony shares the process he uses to find, vet, and onboard one! Looking to invest? Need answers? Ask your question here! In This Episode We Cover How to buy a rental property (faster) by “recycling” your money The best ways to tap into your home equity and reinvest in real estate How to (accurately) estimate rents for any investment property Why you always need a “pivot” for any real estate investment Finding, vetting, and hiring cleaners for your short-term rentals And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/rookie-682 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

Rental property financing is becoming much easier. For years, seven and eight-percent rates made it brutal to make deals work. But now, things are changing—for the better. Mortgage rates in the five-percent range? HELOCs with no closing costs? Seller concessions to buy down your interest rate, and a smoother path to affordable properties? It's all culminating in 2026, and this could be one of the best years in recent memory to get a mortgage for a rental property. Today, we're talking to Jeff Welgan, who's spent 22 years in the mortgage industry, and is bringing good news. Thought those ARM (adjustable-rate mortgage) loans were left behind in 2008? Safer, cheaper, and more flexible ARM loans are available to investors. With lower rates and longer fixed-rate periods, they could be the perfect option as mortgage rates continue to decline. Jeff also shares how you can get a HELOC with no closing costs, so you don't have to give up that rock-bottom mortgage rate you secured in 2020. Plus, when to refinance, how low rates could go, and whether you still should buy down your rate in 2026. In This Episode We Cover Jeff's 2026 mortgage rate prediction and the “range” he thinks rates will stay in Are ARMs back? Why adjustable-rate mortgages are cheaper, safer, and better for investors Should you pay down your interest rate? When Jeff says it is (and isn't) worth it Why the mortgage industry's cycle is about to end, and investors must be careful  Got a high mortgage rate? This is when you should think about refinancing And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Join us at the BiggerPockets Conference October 2-4 in Orlando. Buy tickets Sign Up for the On the Market Newsletter BiggerPockets Real Estate 1207 - 2026 Mortgage Rate Predictions: This “X Factor” Could Change Everything Dave's BiggerPockets Profile Find an Investor-Friendly Lender Today Free BiggerPockets Resources Jeff's BiggerPockets Profile Work with Jeff Grab Dave's Book, "Start with Strategy" Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠https://www.biggerpockets.com/blog/on-the-market-400 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

Home Loans Radio 02.14.2026 With That Mortgage Guy Don Happy Valentines day edition.Rates are officially in the 5's for well qualified peepswww.thatmortgageguydon.com

You've probably heard us talk about “properties having babies” when investors use a cash out refi to buy new properties with no new capital.But what does that actually look like when you're the investor making the call?In this episode, show host Pablo Gonzalez opens up his real-life portfolio to walk through the decision to do a cash-out refinance, and whether the short-term drop in cash flow is worth the long-term growth.JWB co-founder, Gregg Cohen, will unveil a new tool he just developed that helps visualize the trade-offs investors face when they refinance like:➕ What changes immediately in your monthly cash flow➕ How much quicker it gets investors to their goal➕ When it wouldn't make sense to do itIf you've been sitting on equity and wondering what to do next, this behind-the-scenes breakdown will help you figure out if a cash out refi could work for you!Listen NOW!Chapters:00:00 Cash-Out Refi & “Property Babies” — What We're Building Today01:33 Welcome to Not Your Average Investor Show + Why This Topic Matters02:25 The Equity Fear Factor: When to Harvest Without Killing Cash Flow03:10 Tool Tease + Live Case Study Setup (Pablo's Portfolio)05:02 Quick Housekeeping: Summit Update + Important Disclaimer05:55 Pablo's 3-Property Origin Story (2021–2022) & Funding Moves07:07 Profit Breakdown: Appreciation, Paydown, Tax Savings & Cash Flow Reality08:37 Eviction, Vacancy, and the Long Game: Staying Invested Through Pain Points13:01 Pac-Man Principle: Why Appreciation Dominates the “Profit Pie”14:48 Introducing the Passive Income Planning Tool (Beyond a Profit Snapshot)16:15 Setting the Target: $10K/Month Net in 15 Years — Why It Matters18:18 Phases of the Plan: Acquisitions → Debt Paydown → Distribution20:34 Current Snapshot: $366/mo, $270K Equity, and 43% of Acquisitions Done23:23 If You Do Nothing: 15-Year Projection for Income and Equity Growth24:29 Delivering the Next Property Baby: How Much Cash You Need ($60–$75K)27:55 15-Year Upside: Cashflow Growth + Massive Equity Gains28:54 “Go Find the Money”: Cash-Out Refi Options & Portfolio Cashflow Impact32:05 Which Properties to Refinance? Protecting Low Rates & Picking the Winner35:49 New Passive Income Plan: 4 Properties, Small Cashflow Trade-Off, Big Long-Term Win39:03 Is $63K Enough to Buy Another Rental? Down Payment Targets & Inventory Fit40:00 Small vs Big Homes Debate: Appreciation, Neighborhood Cycles & Workforce Housing45:31 Live Q&A: HELOC vs Refi, Taxes/Insurance Included, and Using Primary Home Equity49:27 Summit Next Steps + Community Updates (C3X, Greg Roberts, Karaoke)54:18 Final Wrap: Summit Logistics & “Don't Be Average” Send-OffStay connected to us! Join our real estate investor community LIVE: https://jwbrealestatecapital.com/nyai/Schedule a Turnkey strategy call: https://jwbrealestatecapital.com/turnkey/ *Get social with us:*Subscribe to our channel  @notyouraverageinvestor  Subscribe to  @JWBRealEstateCompanies  

Most people think financial freedom comes from earning more, saving harder, or finding the perfect investment. But the real trap isn't income…it's the way we're taught to store and move money. We're told to separate everything into neat little buckets: checking, savings, mortgage, credit cards, investments. And somehow, even when we're "doing well," the system still feels tight, slow, and exhausting. The traditional system is wildly inefficient by design. A 3–4% mortgage isn't really 3–4% at all. It's closer to 12–15% in simple interest once you account for amortization. Savings accounts paying 1–3% sit right next to debt costing 8–25%, and no one ever teaches us to connect those two dots. We're working hard, being disciplined, and still leaking money through invisible cracks. Instead of playing by those rules, Joseph Kovacevic built a completely different operating system: one pot, one line, one flow. All income goes into a first lien HELOC, and all expenses come out of it.  No idle cash, no artificial separation between "good money" and "bad money." How did he go from using money like everyone else to building an entirely different financial system? Why do people struggle so much to understand and actually implement this system? In this episode, entrepreneur, money mentor, and first lien HELOC specialist Joseph Kovacevic breaks down how he's been running this system for over 15 years - from quitting the railroad, to scaling real estate, to using HELOCs and insurance policies as an integrated financial engine.   Things You'll Learn In This Episode  Your mortgage interest isn't what you think it is A "low" 3–5% mortgage is actually closer to 12–15% in simple interest over 30 years, so what are you really paying for homeownership? Why savings accounts make you poorer, not safer If you're earning 1–3% in savings while paying 8–25% on debt, are you actually saving, or quietly burning money? The one-pot system that replaces budgeting entirely What happens when all income, expenses, investing, and saving run through a single HELOC instead of 10 separate accounts? How to become the bank instead of borrowing from one From infinite banking to lending your own capital at 12%+, how do you turn cash flow into a self-funding wealth machine?   Guest Bio Joseph Kovacevic is an entrepreneur, Money Mentor, and first lien HELOC specialist.  At 23 years old, he hired out on the railroad for a career that lasted almost 20 years. He has been investing in real estate since 2000. Between managing rental properties and flipping houses, he was able to escape the corporate world and become an entrepreneur. In 2018, he met Chris Naugle at a Home show in Buffalo, NY, and was later introduced to Brent Kesler, who introduced him to IBC. After years of using the Infinite Banking Concept, he now wants to share IBC with everyone. Being a part of The Money School and The Money Multiplier team, he now helps others break away from conformity and pursue their dreams. He is passionate about educating others about the implementation of the Infinite Banking Concept to solve people's money problems. To learn more, visit https://themoneymultiplier.com/joseph-kovacevic.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Get Your FREE Copy Of 'The Private Money Guide'  and 'Mapping Out The Millionaire Mystery'.    Keep up with us every week on our FREE Live webinars for more conversations like this, and as a BONUS, get our newest mini-ebook instantly upon signing up! https://moneyschoolrei.com/wednesday-webinar (digital download).   Dive into money, mindset, and motivation videos on my YouTube Channel, and be sure to subscribe so you can be notified of our weekly LIVE streams. Find out about our next weekend workshop, and see what others are saying: https://www.moneyschooltraining.com/registration.    

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Natalie Henley, CEO of Volume Nine, is here to unpack how she bought out her agency's founder. Not through PE, not through M&A, but as a trusted insider who built her path from employee to owner. Natalie shares the behind-the-scenes story of how she structured the deal without needing an SBA loan, the mindset shifts she had to make, and how the agency survived both Google's algorithm changes and COVID-19 cratering their top clients. In this episode, we'll discuss: Grooming your #2 to become your successor, or become the one buying. Avoiding mistakes that slow down or kill an internal exit. Using creative financing (HELOCs, owner carry notes, balloon payments) to structure the deal. Knowing when an employee has what it takes to run the agency. Preserving trust and team stability during a leadership transition. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. Links: Natalie's free AI and SEO grader tool: geo.v9digital.com Want to know what your agency is worth? Check out the Agency Valuation Calculator   The overlooked exit strategy: selling your agency to a team member… Natalie started as an employee in a boutique digital firm. When it got acquired by Volume Nine, she climbed the ranks the old-school way: by taking on every problem no one else would. Over time, she ran the company. Then COVID hit. The agency's revenue cratered. Clients disappeared. The founder wanted out. But instead of flipping to a stranger, he turned to Natalie. The "Oh Shit" Moment and the Deal That Followed When the founder came to Natalie with the offer to buy, he already had the groundwork laid. He'd called the bank, scoped out an SBA loan, and gave her a number. Natalie didn't have a pile of cash sitting around, but she did have grit, resourcefulness, and inside knowledge of the business. She didn't take the SBA route. Instead, she pieced together a creative financing stack: A HELOC for the down payment An owner-carry note A balloon payment at the end The company is paying for itself over time. No brokers. No middlemen. Just a fair, fast, founder-to-founder deal. Why This Worked (And Why Most Don't) Natalie had already been: Running the company Exposed to the numbers Made a co-owner years earlier This wasn't a random promotion. It was a trust-built, stress-tested evolution. And it mattered. Because when the deal closed, the culture didn't collapse. The clients stayed. The team believed. What if the best buyer for your agency is already on your team? If you're feeling done, but still care about your agency, selling to a team member might be the cleanest win. Here's how to set it up: Start grooming your #2 now. VP → President → Co-owner → Buyer. Expose them to EBITDA, profitability, client churn…. everything. Stress-test them: give scary responsibilities and see how they show up. Be fair. Don't squeeze every dime. The goal is continuity and peace of mind. Don't wait until you're burned out. Move before it's a fire drill. Agency ownership is a wild ride. If you're looking for a graceful exit that doesn't torch your legacy, this might be it. And if you're the #2? Start acting like the owner today. You never know when the keys will be offered. As Natalie said, "If you care about your team and the agency's legacy, you owe it to yourself to consider your employees as potential buyers. Even if they say no, at least you gave them a shot." Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

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

Is buying a house still a good investment—or has the market pulled too much future return forward? Lance Roberts & Jonathan Penn break down the housing investment debate through a time-horizon lens, comparing housing to stocks, examining historical “win rates,” and explaining why transaction costs, leverage, and holding period matter far more in real estate than most buyers realize. 0:00 INTRO 0:19 - Moving into the Heart of Earnings Season 5:36 - Markets' Price Consolidation Breaks to the Downside 9:51 - Lance & Jonathan's Weekend Recap 11:36 - Collegiate Investors - Be Careful of Risk 16:35 - Don't Invest Your Student Loan Money! 18:40 - Buying a House for Rental or Residence? 21:13 - It's Always Something 23:32 - Housing - Net Worth or Liability? 26:34 - Fitting a House into a Financial Plan 27:48 - HELOC & Reverse Mortgages 28:53 - Do You Really Need to Own a Home? 30:25 - The Housing Supply - Demand Paradox 34:11 - Beware Creative Financing 38:33 - The Peace of Mind in Renting 40:10 - The True Cost of Home Ownership 42:38 - Proper Planning for Home Purchase 46:31 - Yard Plants & Money Trees Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Financial Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- You can read Michael Green's blog, "Yes...I Give a Fig," here: https://www.yesigiveafig.com/ ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=Su5euJk8tsc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Watch our previous show, "The Metric that Matters - The Michael Green Interview" here: https://www.youtube.com/watch?v=TQSiR6fxLGg&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1 -------- The latest installment of our new feature, Before the Bell, "Short-term Volatility Ahead," is here: https://www.youtube.com/watch?v=KS2mSWm16qg&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketVolatility #StockMarketUpdate #RiskManagement #MarketPullback #InvestorDiscipline #HousingMarket #RealEstateInvesting #HomeBuying #FinancialPlanning #InvestmentRisk

“Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.” - Proverbs 21:20 Scripture highlights a simple principle of stewardship: wise people live with margin. They don't spend everything they earn; they save, plan, and prepare for the future. And in our modern world, the basic tool that helps us live with margin is a budget. Today, Chad Clark joins us to discuss what budgeting really looks like for most Americans and how we can do better.As FaithFi's Chief Technology Officer, Chad oversees our digital tools and the development of the FaithFi app. He recently came across research that sheds light on how people actually budget. According to a NerdWallet survey of 2,000 adults, three out of four Americans report keeping a monthly budget. That sounds encouraging—until you read the next line: 84% of them say they regularly overspend their budget. And when people overspend, nearly half bridge the gap with credit cards, while the rest tap into savings—often until savings eventually run out. Chad notes that this is why we say that without a working budget, debt is almost inevitable once savings are depleted.So why do some people avoid budgeting altogether? After years of hearing excuses, Chad lists the most common: it's too time-consuming, too complicated, too much math, too restrictive, or simply too hard to stick to—like dieting. Others believe they don't need a budget because they earn enough, or that a budget limits their freedom.But as Chad points out, most of those reasons are rooted in misconceptions. A budget isn't a punishment, and it's not primarily about cutting expenses. It's a decision-making tool that prioritizes spending and helps you align resources with values. Nor is a budget inflexible; it can and should adjust as life changes. And even those with high incomes need budgets. If billion-dollar companies operate from a spending plan, “I make enough” isn't a sound argument for skipping one. Stewardship isn't about how much we earn but how faithfully we manage what God entrusts to us.Before wrapping up, Chad shares how the FaithFi app makes budgeting more approachable. First, it accommodates different budgeting styles, allowing you to choose the method that works best for you. Second, it builds habits through daily, weekly, and monthly rhythms—to help you engage consistently rather than merely set up a plan and hope it works. And finally, FaithFi goes beyond numbers. Through biblical content and community, it helps shape the heart behind the decisions—because stewardship is ultimately about walking with God.If you're ready to begin budgeting—or begin again—FaithFi can help you take that first step and actually stick with it.On Today's Program, Rob Answers Listener Questions:I have a HELOC at about 7% and about $80,000 in credit card debt. Does it make sense to use the HELOC to pay down that credit card debt at the lower rate, or should we handle it another way? I also have a second question: My husband and I own a couple of rental properties. One of them is basically a wash—no profit. We've always assumed the rentals would be part of our retirement, but we don't have an emergency fund. Would it be wiser to sell the rental property that isn't generating income, invest the proceeds, and improve retirement and emergency fund strategies?I contribute 10% pre-tax and 5% post-tax to my 401(k), and the 5% post-tax is maxed out. With the new rules allowing tax-free overtime up to $25,000, is it still beneficial for me to contribute the 5% post-tax? Or should I redirect it and contribute 15% pre-tax to the 401(k)? Or should I take a different approach altogether?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereShould you build your next investment property in your personal name or through your corporation?If you're a Canadian business owner sitting on retained earnings or personal capital, figuring out how to fund your next real estate investment can feel like a high-stakes puzzle. Should you leverage your HELOC or dip into your corporate cash? Does owning the property personally offer more flexibility—or should it live in a holding company for tax benefits and liability protection? This episode dives into a real-life case study to help you navigate these exact decisions with clarity.By the end of this episode, you'll learn:The key tax and long-term planning trade-offs between owning investment property personally vs corporately.Three practical funding strategies—including when to borrow from your HELOC, your corporation, or a third-party lender.How to plan for future capital gains and use corporate-owned insurance to prepare for estate taxes without losing liquidity.Press play now to confidently map out the smartest path for funding and owning your next investment property.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Canadian business owners seeking financial freedom and early retirement are rethinking how they approach property development, corporate structures, and long-term wealth strategies. Whether you're weighing HELOCs vs. corporate borrowing for funding investment properties, or deciding between salary vs. dividends in Canada, every financial decision shapes your broader Canadian wealth plan. This episode explores how to use retained earnings strategically, optimize RRSP room, and implement tax-efficient investing through corporate wealth planning. You'll gain insights inReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at the ways we are starting to see the "lock-in effect" meaningfully shift for borrowers. Plus, Robbie sits down with FINOFR's Keith Kelly for a discussion on how to take the friction out of the loan process for everyone. And we close by examining trends in economic data that will better help you keep borrowers informed as to what's going on.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. 

❓Have a money question? Ask Ramsey is here to help! George Kamel and Rachel Cruze answer your questions and discuss: "Should I file for bankruptcy? " "How do I move on after financial and emotional infidelity?" "I'm retired and I have never invested my money" "Is it a good idea to spend money on a birthday vacation for my daughter?" "What happens to debt if I die before paying it off?" "Should I use my HELOC to pay off my other debt?" "My brother has been stealing money from our parents and has put them into debt. Should I tell them to file bankruptcy?" "Do we have too much of our wealth tied up in our home?". Next Steps: ✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at the latest prepayment and delinquency data from from mortgagees. Plus, Robbie sits down with Worthy Performance Group's Laura Lasher for a discussion on why many lenders will fail to capitalize on a rate-driven rebound, what truly differentiates winning loan officers, how competitive dynamics have shifted toward larger institutions, which training investments genuinely improve performance, and the warning signs that signal an organization is unprepared for the next market cycle. And we close by examining the overall economic narrative based on employment, inflation, and spending figures.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. 

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at some data trends we are seeing, namely benign inflation and strong retail sales. Plus, Robbie sits down with Key Mortgage Services' Jen Poniatowski for a discussion on how lenders should adjust borrower expectations in a falling rate environment, how buyer leverage is shifting as inventory rises, and how economic uncertainty is shaping first-time buyer confidence and product choice. And we close by examining a slew of economic data that was released this morning.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. 

Do you need a HELOC on your investment property? ============= Connect with Mark and Tom: StraightUpChicagoInvestor.com Guest: Benjamin Stef, NEXA Mortgage 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 ----------------- Production House: Flint Stone Media Copyright of Straight Up Chicago Investor 2026.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at the market's reaction on Monday to criminal charges being levied against Federal Reserve Chairman Jerome Powell. Plus, Robbie sits down with Clever's Jaime Seale for a discussion on the widespread financial barriers and affordability concerns of younger generations, and why Millennials, in particular, are willing to stretch budgets significantly despite planning to purchase homes below current median prices. And we close by examining what the latest CPI report says about inflation in the U.S.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. 

January doesn't have to start with a financial overhaul. In this special Ask Farnoosh episode, Farnoosh shares why easing into the new year, rather than rushing to reset everything, can lead to better money decisions.She reflects on how she's approaching 2026, what typically happens in the markets at the beginning of the year, and why January is a powerful time to slow down, learn, and reconnect with what matters most. From there, Farnoosh breaks down the week's biggest money stories, including shifting grocery prices, growing anxiety in the housing market, canceled home purchase deals, the return of student loan wage garnishment, and new data suggesting homeownership may feel out of reach for more Americans.The episode also highlights two recent conversations on So Money — with David Bach on building wealth through simple, consistent habits, and with Terri Trespicio on the importance of writing as a practical career skill.Listeners then get answers to thoughtful questions about opening a new credit card after securing a HELOC, what it really means when entrepreneurs say they “didn't pay themselves,” how HSAs work after enrolling in Medicare, and where to safely keep a $20,000 gift intended for a future home purchase. Hosted on Acast. See acast.com/privacy for more information.

Clark makes no secret of his obsession with fitness trackers. Nerd Alert: He wears three. But there's new data that proves he's just being, well - Clark Smart. We're moving into an era where more devices can be monitored by healthcare providers, to potentially save lives - A true case of knowledge is power. Also, homeowners with a lot of equity can be sorely tempted to tap into that money. But when is this type of debt appropriate? And what are the best borrowing options? Clark explains the difference between a home equity loan and a HELOC in a period of lower interest rates. The New Power of Fitness Trackers: Segment 1 Ask Clark: Segment 2 The Home Equity Decision: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Apple Watch data teamed with AI reveals heart damage Why Does Clark Howard Wear 2 Watches? Why Clark Howard Is So Excited About His Wedding Band KardiaMobile Personal EKG | Kardia Personal EKG Monitor What Is an HSA Account and How Does It Work? Report: Most Popular Used Cars in America What Brokerage Do You Recommend for First-Time Investors or Kids? Target Date Funds: Clark's Favorite Retirement Investment HELOC vs. Home Equity Loan: Similarities and Differences Is a HELOC a Good Idea? The Simple Answer Home Equity Loan Calculator - Clark Howard Ed.gov - Loan Forgiveness How To Roll Over U.S. Savings Bonds Into a 529 Plan Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices