Podcasts about helocs

Americans are sitting on more home equity than ever -- and more of them are tapping it. Not because they're struggling, but because they locked in ultra-low mortgage rates and they're not giving those up. So instead of refinancing, they're turning to HELOCs and home equity loans. Joe and OG walk through the math, the psychology, the questions most people never think to ask, and the specific situations where borrowing against your home equity actually makes sense -- and the ones where it quietly destroys a plan that was working.What You'll Walk Away WithWhy home equity borrowing is surging right now -- and why keeping a 3% mortgage while opening a HELOC at 7.5% might still be the smarter moveThe Oreo problem: why having a HELOC open "just in case" is the financial equivalent of leaving a sleeve of Oreos on the counter and expecting not to eat themOG's CEO versus CFO framework: how to separate the decision of whether to do the project from the decision of how to finance itThe rate math you should actually run before choosing between a HELOC, a home equity loan, and a full refinance -- including current Bankrate benchmarksHome improvements, credit card consolidation, college costs, business startup, and investing: OG's honest take on each use case, including the ones that are just bad ideasThe questions nobody asks before getting a HELOC -- including when the rate adjusts (spoiler: faster in one direction), what happens to the draw period, and whether the bank can pull the line at any timeWhy using home equity as a third-tier emergency fund sounds clever but has a fatal flawWhat happens if home prices fall and you've borrowed heavily against the equity -- and why Texas has the 80% ruleOG and Anna wrap up season two of the financial basics series -- including why financial planning is an ongoing activity, not a document, and what's coming in season threeThe one open question OG wants Stackers to send him before season three beginsWhy This Matters NowHome prices are up. Mortgage rates are still elevated. The people most tempted to tap their equity are often the ones who built it most carefully -- and that's exactly when the guardrails matter most.From the BasementJoe and OG dig into the HELOC decision with specifics: math, psychology, use cases, and the questions banks don't volunteer. OG and Anna close out season two of the financial basics series with a reflection on why everything in a financial plan connects to everything else -- and a preview of what's coming in season three. Doug arrives with Bernie Madoff trivia. The guides get a Scout upgrade and the college planning guide gets a refresh just in time for back to school.Resources MentionedStacking Benjamins Guides -- workplace benefits, tax planning, and college planning with Scout AI; stackingbenjamins.com/guidesStacking Benjamins Field Kit -- stackingbenjamins.com/fieldkitStacking Benjamins Basics Guide -- season one and season two; stackingbenjamins.com/basicsguideStacking Benjamins voicemail -- stackingbenjamins.com/yelldownstairs; leave a question for the next Q&A episode with AnnaOG financial planning calendar -- stackingbenjamins.com/ogStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ryan Pineda and cohost Brian Davila interview Tyler Hennessee about using first-position HELOCs to accelerate mortgage payoff, leverage home equity more efficiently, build long-term wealth, and protect family finances through smarter investing and estate planning.⁣⁣Connect with Tyler - ⁣https://hardmakesyoubetter.com⁣https://tylerhennessee.com⁣https://www.instagram.com/tylerhennessee/⁣__________⁣If you'd like my team to run your marketing & sales department to scale your business apply here https://www.pinedapartners.com⁣⁣Join our private mastermind for elite business leaders who golf. https://www.mastermind19.com⁣⁣Want to be featured on the Wealthy Way Podcast? Apply here https://www.wealthyway.com⁣⁣If you want to start your real estate investing business, we'll give you 1:1 coaching, seller leads, software, & everything you need. https://www.wealthyinvestor.com⁣⁣Tired of paying so much in taxes every year? We'll give you strategy, tax prep, and accounting all in one place. https://www.taylor-tax.com⁣⁣Join free Bible studies and workshops for Christian business leaders. https://www.tentmakers.us⁣__________⁣Chapters:⁣0:00 - First Position HELOC Explained⁣9:09 - Using HELOC Like Checking⁣18:21 - Who This Strategy Fits⁣27:16 - Rental Property Comparison⁣39:34 - Why Banks Don't Teach It⁣47:57 - Hard Makes You Better⁣48:41 - Protecting Family Wealth⁣54:35 - Wealth Building Beyond Real Estate⁣58:47 - How Family Offices Invest⁣1:04:04 - Investment Risk And Losses

Joel Cabusao shares insights on velocity banking, real estate investing, and strategic financing to help investors build wealth efficiently. Discover practical tips and real-world examples to optimize your investment strategy.   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   —--------------------

A lot of real estate investors think the biggest hurdle to buying more rentals is saving enough money for down payments. Nick Disney has taken a different approach.Instead of waiting years to build up cash, Nick uses HELOCs and private lenders as short-term financing tools to acquire and renovate properties. Once the property is stabilized, he refinances into long-term financing, pays back the HELOC or private lender, and frees up that capital to do it all over again.On this episode, Nick breaks down his strategy for scaling a rental portfolio without constantly saving for the next down payment. He explains how he finds private lenders, the types of people most likely to become funding partners, and how paying off a few rental properties created new opportunities through HELOCs.Nick also walks us through a recent deal, sharing the actual numbers and showing exactly how he used private money to make the purchase work.Plus, we discuss the biggest expense in his rental business and the strategies he uses to keep tenants longer and reduce turnover.If you've ever wondered how investors continue buying properties without piles of cash sitting in the bank, this episode is packed with practical strategies you can put to work right away.https://rentalincomepodcast.com/episode578Thanks To Our Sponsors:MidSouth HomeBuyers – Turnkey Rentals In Memphis, Little Rock, and Dallas. Instant cash flow on day 1.Ridge Lending Group - Ask about the All-In-One loan. A first-position HELOC on rentals.Rentec Direct - Automate the day-to-day work and make property management easy. Use promo code RIP to get 10% off your first 6 months.

In this episode, Lauren Goché, a Portland-based realtor and renovation expert, joins us to reshape how we think about homeownership, equity, and breaking out of survival mode. Drawing from her personal background of growing up poor and overcoming $65,000 in credit card debt, Lauren shares how she utilized her first home to completely shift her financial trajectory. She dives deep into the mind shift required to move from the anxiety of renting to leveraging "wise debt" like mortgages and home equity lines of credit (HELOCs). Lauren emphasizes why marginalized communities are systematically gatekept from these financial tools and how getting "house-ready" requires big-picture planning with the right team. From practical home maintenance tips to the genius bi-weekly mortgage payment strategy that shaves years off your loan, Lauren drops unfiltered truth bombs designed to turn a home into your ultimate financial nest egg. LEARN MORE AND CONNECT WITH LAUREN GOCHÉ Website: https://www.laurengoche.com/ Email: laurengoche@gmail.com Instagram: https://www.instagram.com/laurengoche/ Facebook: https://www.facebook.com/laurengocherealtor

Anthony Rushing was this week's guest on Success Profiles Radio. He is an experienced Loan Originator specializing in advocacy, education, and implementation of the First Lien HELOC product and strategy. We discussed what a First Lien HELOC is and how is differs from a traditional mortgage, how people are using them to pay off their homes faster, how to qualify for it, and how you can use it to pay of other debts or fund your lifestyle. In addition, we talked about how it can be used to significantly reduce the amount of interest you pay for your home loan, how to evaluate if this is a fit for your current financial situation, and his favorite client stories of how people have paid their mortgages fast. You can follow and listen to the show on Apple Podcasts, iTunes, Spotify, Audible, Amazon, iHeart Radio, and at https://toginet.com/shows/successprofilesradio/ Watch a free 20-minute webinar to dive deeper into the First Lien HELOC concept: https://tinyurl.com/bdham2re Use the free First Lien HELOC calculator to see if this is right for your situation: https://tinyurl.com/4eyjapxv Book a call with Anthony's team to discuss YOUR situation: https://tinyurl.com/4pthfc5x

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

Interest rate and monthly payment? We all know those numbers.But what about the total interest you could pay over the full life of the loan?One investor recently looked at that number across 14 mortgages, and the results were hard to ignore. Some loans showed total interest percentages as high as 133%!That's why this week on the Not Your Average Investor Show, host Pablo Gonzalez is sitting down with Leslie Wilson, known in the community as The Real Estate Maven, to talk about what she found, why it changed how she looks at her mortgages, and the financing strategy she is now researching.You'll learn:- where to find the total interest percentage on your mortgage paperwork- what Leslie discovered after reviewing 14 mortgages- exploring HELOCs and lines of credit to pay down mortgage debt faster- what to consider before changing the way you use debt and equity in your portfolioSometimes one small number on a loan statement can change how you think about your whole portfolio.Listen NOW!Chapters:00:00 Meet The Maven02:26 From Plan B to Plan A04:25 Early Rentals and Hard Lessons06:01 Crash Opportunity in Denver09:06 Finding JWB and Scaling Up12:51 Why Jacksonville Now14:27 Funding Deals with Refinances17:46 Appraisals and Investor Mindset21:24 Bundle to Ten and DSCR Loans24:22 Asset Protection and LLC Setup27:35 Infinite Banking Explained33:47 Using Policy Loans for Down Payments36:58 Audience Q and Tax Treatment37:27 Mutual vs Stock Insurers38:12 Tax Free Policy Loans39:20 Replace Your Mortgage41:48 HELOC Cashflow Method45:34 Snowball vs Avalanche Payoff48:18 Why Keep Optimizing52:00 Portfolio Pac Man Breakdown55:06 Why Jacksonville Works58:03 Tactical Q and A01:00:16 Termites and Repairs01:03:49 Plant the Tree Today01:05:32 Final 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  

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

Artificial intelligence is changing the way executives work—but not in the way many people think. According to discussions across LinkedIn and the executive assistant community, the most effective approach is often a hybrid one: using AI to handle repetitive administrative and data-heavy tasks while allowing Executive Assistants to focus on strategic organization, judgment, communication, and relationship management. The goal isn't replacing people—it's helping them operate at a higher level. (LinkedIn) This week, I sat down with Harley Green, CEO of InvestAway and Workergenix, to explore how business owners, investors, and executives can use leverage—both technological and financial—to create more freedom and better results. Harley brings a unique perspective because he's lived every side of the investment journey. A former computer engineer turned real estate entrepreneur, he built his experience through house flipping, BRRRR strategies, private lending, and creative capital deployment. From utilizing HELOCs and infinite banking concepts to strategically selling properties and redeploying capital into lending opportunities, Harley understands how money can be put to work efficiently and effectively. Today, through InvestAway, he helps investors generate returns through short-term, real estate-backed lending opportunities. At the same time, through Workergenix, he helps overwhelmed business owners reclaim between 15 and 30 hours each week by pairing them with AI-powered Executive Assistants who manage inboxes, scheduling, reporting, follow-ups, coordination, and other critical operational tasks. As Harley explains, many executives don't suffer from a lack of ambition—they suffer from a lack of bandwidth. Too often, leaders spend their days trapped in execution rather than focused on vision, growth, and leadership. Workergenix was built to solve that problem by providing dedicated support that operates inside existing business systems while ensuring accountability and follow-through. During our conversation, we discuss: • Why AI works best as an enhancement rather than a replacement for human judgment • How Executive Assistants are evolving into strategic business partners • The biggest operational bottlenecks holding leaders back • Creative strategies for raising and deploying capital • Lessons learned from real estate investing, private lending, and entrepreneurship • How delegation creates freedom, scalability, and growth • What it takes to successfully run multiple businesses while traveling internationally and raising a family Whether you're an entrepreneur looking to buy back your time, an executive searching for operational efficiency, or an investor seeking new ways to grow your capital, this conversation offers practical insights on building systems that create both income and freedom. Join us for an engaging discussion on the intersection of AI, organizational efficiency, real estate investing, leadership, and wealth creation with Harley Green.   For more information: https://www.investaway.co/ Discover More: https://workergenix.com/ LinkedIn: @HarleyGreen Listen: https://podcasts.apple.com/us/podcast/scale-smart-grow-fast/id1770366237 Learn more about your ad choices. Visit megaphone.fm/adchoices

https://youtu.be/gS7aHfIiXjQ Preetha Pulusani, CEO of DeepTarget, is passionate about helping people realize their potential and leveraging technology to create meaningful business growth. After spending 25 years in corporate America and learning hard lessons from an early entrepreneurial failure, Preetha built DeepTarget into a bootstrapped fintech growth company that helps banks and credit unions acquire, engage, cross-sell, and retain account holders through advanced data analytics and intelligent marketing. In this conversation, Preetha shares the DeepTarget Bootstrap Framework, a leadership and innovation model built around five principles: Combine Pros with Fresh Graduates, Think Big but Start Small, Be Agile with a Flat Structure, Fail Quickly, and Keep a Tight Customer Feedback Loop. She explains how blending experienced professionals with emerging talent creates powerful teams, why rapid experimentation outperforms large-scale product launches, and how customer feedback should guide innovation. Preetha also discusses using data to drive growth, selling outcomes instead of technology, and building a successful SaaS company without outside funding. — Pull 5 Levers to Bootstrap Your Firm with Preetha Pulusani  Good day. Steve Preda here with the Management Blueprint, and my guest today is Preetha Pulusani, the CEO of DeepTarget, a company that helps hundreds of financial institutions increase loan demand, promote product adoption, and support intelligent marketing through advanced data mining and analytics. Preetha, welcome to the show.  Thank you, Steve. Thank you for having me. Thank you for inviting me. I’m looking forward to it.  Yeah. You have a very interesting business and very interesting profile, so I can’t wait to jump in. But let me ask you my favorite question. What is your personal ‘Why’, and how are you manifesting it in your business?  I guess you could say that my personal ‘Why’ has evolved over several years. I spent 25 years in corporate America, and that was the best business education I could have ever received. My first failure as an entrepreneur, though, added to that significantly, and that was right before I started DeepTarget. Luckily, it was a quick failure, but that doesn’t mean it was not a difficult one. And in every way, the lessons learned have come in handy today. So I believe that I’m in my final chapter of my career, so I can speak from years of experience. And my personal ‘Why’ is—it’s always been about people for me. I’ve never believed in the lone genius.  I believe that every person has some spark of genius in a different way. And I have always been inspired by pulling out that spark and weaving a tapestry of people.Share on X And that happened even in my job in corporate America, but it happens even more with my team today as an entrepreneur at DeepTarget. So it’s about empowering people to use that spark rather than focusing on something that they may not be as good at. It’s pulling out that strength and making it the collective strength of a solution, of how we serve customers, and of the business itself. Does that make sense?  Oh, yeah. This is great. I love that. My experience is that nearly none of the companies I talk to—or basically none of them, literally none of them—capitalize on the maximum talent of their team. Because it’s impossible to maximize it completely, but you can work on it, and that is wonderful.  Yeah.  So do you have a process for how you do that? Is there a mental process? Is it just an awareness? Is it a curiosity? Is it a natural thing that you do, or do you actually have a way of doing this?  So I have found that I think I read people. I think I’m intuitive in that way. And so I see myself as being the orchestrator of whatever it is, whether I’m working on today’s problem or whether I’m working on the big vision. I don’t know that it’s a process so much, but I have used it over and over again. It’s become a very natural thing for me.  So you talk about the big vision. What is that big vision?  So as a company, my focus is on making our clients successful. What that means is helping them grow their financial institutions.Share on X We work with credit unions and banks, and it’s all about growth. And we use innovation to leverage that growth for them. How do you acquire new account holders? How do you cross-sell to them? How do you communicate with them? How do you retain them? I’m a techie at heart, so it’s been about how do I leverage data? How do I leverage—today, of course—AI, kind of a combination of data and AI, to make sure that they are able to see the growth they need for their financial institutions? And that’s kind of become the mission that we have adopted for the company.  Yeah. I noticed that on your website you have this map of, I think, seven or eight different ways that you’re driving adoption and contact with people and—  It’s highly data-driven. It’s not wishy-washy. We’ve evolved from being a marketing company to a growth company. And when you take anything that’s data-driven into marketing, yeah, it’s something that people like to do. But what we like to do is use the technology to get to the human—to get to the individual. So we are helping our credit unions and banks reach individuals, understand each account holder, and understand what their financial needs are. And the only way you can do that at scale is by using technology and data. So we’ve built a platform that enables them to do that. That’s why the front end is all data, right? We can accept as much data as they want to give us so that we can do the right things to help them grow and engage their account holders.  Yeah. I like that you’re very techy, as you say—techy and data-driven. So I wonder, what is your mental model when you think about the end customers of your financial institution clients? What’s your mental model for how you innovate this process? So what are the major elements? If you had to synthesize it down to maybe three to five elements—your levers that you can pull—what are those?  Great question. So I’m going to start with the people because, for me, everything revolves around people. What I’ve been able to do is combine very seasoned pros with fresh graduates from local universities, and that has been a potent combination. Okay? That’s number one. Whether I’m talking about development, customer success, or sales, that’s been the combination that has worked for me. And as a bootstrapper, that has also helped me financially. You have a very seasoned pro that I’ve worked with for years, and you know exactly what their strengths are.  And then you put some fresh graduates under them. I’m telling you, there’s nothing better. That combination is second to none. The second thing is, I believe in thinking big, but starting small and scaling quickly. I learned that over time. There was a time when we used to have the big-bang theory of creating products.Share on X We have moved so far away from that. So think big, start small, and be agile. And as a small company, that’s a big advantage for me. We have a very flat structure. And so we’re able to have the agility we need to move markets, frankly. If you’re going to fail, fail quickly.  Have a tight customer feedback loop. And if something isn’t going to work for your customer, just abandon it. Abandon it quickly. I can’t say, in all honesty, that I’ve done that every time, but it’s always on my mind: “Should we really even pursue this?” I know we’ve had projects that we thought would be very successful, but they weren’t. But when you’ve only made a small investment, it’s easier to set it aside. “Okay, it’s not working. This is not what we need to do. Let’s move on.”  Yeah, I love that. Can you give an example where you invested in a process and really believed in it, and it turned out not to work, and then you had to pivot from it?  So the way we help banks and credit unions engage and cross-sell to their account holders is primarily through digital banking. We put up very personalized offers using data in the digital banking environment and use that real estate very effectively. It works like a charm. That’s what we do today. We did get a little sidetracked by expanding that into email, and we didn’t see the kind of growth we expected. So we tried to understand that. We did kind of an autopsy. And the difference is that when you log into digital banking, you’re being served something. The difference with email is that you’re pushing something out. It has its uses, for sure, but the particular aspect of what we had done in the product didn’t take off like we expected. So we just said, “Okay, let’s do more of what we can do within the digital banking environment.”  But that works for farming existing customers of the banks, right? Do you also help banks acquire new customers?  Yes. And that’s where email works, by the way. And so does direct mail, and so do digital ads. When you’re cross-selling to existing account holders, you have a lot of information about them. For example, if they rent a home, you would never give them a HELOC offer, right? But on the other hand, what we’re doing for new account acquisition is still using data. We’re looking at who the most profitable customers are that your credit union or bank has, and using that as the model to find more likely customers within a particular radius of their branches. So we are still using data, but in a different way and using different channels to reach them versus digital banking.  That’s fascinating. So what drives growth in your business?  Well, if you had asked me that question 10 years ago, I would have said innovation drives growth. But what we have found and learned over time is that innovation is an engine.Share on X Innovation, in a way, actually causes friction because when you innovate, you’re creating something new. So you first have to go out and educate the market. You have to make them understand that there’s a new way of doing things, and not everybody is open to change.  So if I go talk to a marketing professional and say, “Hey, here’s a new way of doing things. We’re using data.” I put myself in the place of that marketing person who is already constrained by bandwidth, who is already doing so many things, saying, “You’re bringing another new tool for me to learn and use? For what purpose?” While innovation is the engine, what we have learned is not to focus on the innovation, but to focus on the impact. And we do that by really working hard to get into the C-suite. So we are talking to the CEO, the COO, the Chief Digital Officer, or the Chief Technology Officer of these banks and credit unions, helping them understand the outcomes. What is it we do? We acquire new customers. We cross-sell to existing customers. We help you retain them. I receive these direct-mail solicitations from mega banks like Chase and Wells Fargo.  They’re paying me $900, $1,500 to open a checking account. It’s expensive to acquire new accounts. That’s just an example, right? So we are helping you grow through new account acquisition, but we also have a whole playbook for how you retain those new accounts that you acquire. So when you talk at the C-suite level, all of a sudden they’re not seeing a tool. What they’re seeing is an outcome. “How soon can we see results?” is the question we get asked. So we grow through a different way of selling what we do to these institutions.  So people don’t care how you achieve the result. They just want you to talk about the result?  Exactly. Especially the CEO. I mean, they don’t really care. They do care about things like data privacy, and we’ve addressed all of that. We’ve been doing this business for so long that data security is table stakes. But they care less about how you do it and more about why. So we have to talk to the individuals who care about the why rather than the how, although the how plays such a big part in building a business, right? But that’s what we focus on.  That’s behind the wall. That’s your problem, basically.  That’s right. That’s the secret sauce. We used to take great pains to explain the secret sauce at one point in time, but not anymore.  That’s interesting. So why do they listen to you? I mean, why do they believe that you can get these results? Do you show them testimonials, or how do you prove it?  We have over 200 customers now—customer contracts. It’s actually closer to 300. So we have a lot of testimonials and references that we can show them. We also let them know that there are barriers to using software like ours, such as, “Do I need to have somebody operate the software?” No, because part of what we offer is a managed service. We will operate the software for you using your branding and everything else that you have. So we’ve kind of removed all of the barriers. The biggest barrier today is creating awareness in the broader market, because this is a huge market.  And on my bootstrapping budget, I have to make sure people know that such a solution exists. What we find is that once we reach the decision-maker, it’s a fairly straightforward sale. I would say that if I’m constrained by anything when it comes to growth, it’s because I’m a bootstrapper. I watch every penny carefully, and I have built the company funded entirely by revenue. And one of these days that’s not going to be enough. But so far, so good. Yeah. Okay. So basically you create broader awareness of your products. You have all these testimonials and references. When you get in front of these decision-makers, you talk about the outcome and show them the results you can get.  And we have direct sales, right? I mean, we do call on, we have a couple of people. All they do is work the phones, emails, and LinkedIn to get us meetings in front of the right people. You know, also, Steve, in this day and age of everything digital, what we have found with banks and credit unions is that first important meeting with the CEO—we’re finding that doing it in person makes a huge difference. So that’s another thing that we do.  That’s interesting. So does that limit you geographically?  We’re having so much success with that model that it only helps us. More revenue means I can invest more in sales. So we are limited to the United States. We have customers on both coasts, a pretty good map of customers on both coasts, and in the Midwest. And there are some blank spaces, and we’re trying to address those blank spaces.  So you actually have people fly all over the country to meet with CEOs?  Yes. And it’s making a big difference. This is a change that we made not too far back. I would say maybe about 18 months ago or so, and it’s made a big difference for growth.  That is so interesting because after the pandemic, a lot of companies kept doing video sales calls.  As did we. As did we.  As probably you did as well. But the assumption was that there’s no point in traveling. It’s an extra expense and doesn’t make a huge difference. But you’re saying it’s the opposite—that it does.  Yes, it makes a huge difference. You’re talking to the CEO of a bank. Banks still have a more traditional generation of leaders. Even I didn’t believe it when I was first sold on this whole concept, but I’ve become a believer now. That meeting—the CEO not only is in the room with you, but brings in his or her key executives to talk to you. When you’ve made the trip all the way to Sacramento, they’re going to do that, right? So it’s made a difference.  So there’s a reciprocity involved. They see that you’re making the trip. Okay, then we might as well put more into it. And it’s kind of a self-fulfilling process.  And by the way, when you have more people in the room, you get more objections, but you’re able to address those in person. Yeah. Even if you have a video call with the CEO, if the CEO goes and talks to the CTO and brings up the objection, “You really need to worry about these guys and their data security,” we never hear about that. We just hear silence. We don’t know what’s going on behind the scenes. So you get that opportunity to address all of that kind of in person. And I think it actually works out more cost-effectively, surprisingly. Yeah, as long as those are resulting in deals.  Yes. So maybe that’s an inside thing, but I’m just wondering, what is the upside of something like that? If you convert one of the CEOs and they start using the system—maybe that’s a business secret—but what is the value of that conversion? Let’s say the 12-month value of that conversion that makes you want to do that trip.  So let me give you an example. We sell annual subscriptions with five-year terms. That’s a big deal, right? And when we sell five-year terms, it can become very significant. So we price based on the asset size of the financial institution because that kind of determines how large they are, how many branches they have, and how many account holders they have. So let’s take an institution that’s, say, a billion dollars. I’m just going to give you some rough numbers, right? For a five-year contract, you’re talking about $300,000 or so.  Okay. That makes sense. It’s definitely worth the trip.  Yes, it’s worth the trip.  Yeah.  The other way to have that personal interaction, which we have found to be very effective, is conferences—focused conferences. Many of these banks and credit unions have state leagues, regional leagues, or certain technology-focused groups that meet. And those are kind of the best venues to do our prospecting.  And then do you sponsor these conferences?  Well, we do. We’re very selective, but we have booths, and in addition to that, we may do some other sponsorships. Yeah.  Yeah. That’s great. So switching gears here, I’m really curious. What is something that you’re actively trying to figure out in your business? So if you had a magic wand and you could wave it, what would you want to fix in the next 12 months?  I’ve kind of told you that I’ve been a bootstrapper, and I’ve been a bootstrapper very intentionally. Because one of the things that I said I would do is that I wouldn’t be so stubborn as to never take any outside capital. But the thing that I wanted to figure out before taking external capital was what would give me a multiplier effect. So if I took a dollar in, how would I be able to multiply that? And I’m getting very close to figuring that out on the sales and marketing side. So if I had more dollars, and if I have a sales formula that I know works—that I’m confident works—then I should be able to take that formula, add those dollars, and simply add salespeople, right, to grow.  Scale it up, yeah.  So that’s kind of been the biggest issue I’ve had for the past, say, five years. But I would say that over the past 12 to 18 months, a lot of that has become clearer to me. And so I think I’m getting close to having that solved—to having that formula where I can say, “Okay, if I put in more dollars, I’m going to get X return.”  Yeah. Some people call this the coin-operated marketing and sales system. You keep dropping the coin and—  Yeah. Yeah. It’s taken me years to figure it out. I spent a lot of my early years at the company building a very robust technology platform because without that, everything else becomes secondary. And then I had this focus on, how do I get sales and marketing? And I’ve tried many things, and they haven’t necessarily worked, right? I’ve built up a customer base by slogging over time, but then you want that formula if you want to throw money at it.  Yeah. And that’s where I think I’m getting closer to getting there.  Yeah. And then marketing media is changing all the time. Different platforms come and go. Then you have different advertising formulas, and they burn out. So it’s actually difficult to stabilize it and make something that’s permanently coin-operated, so to speak. Yeah. And when we say everything is data-driven, it’s not just on the front end that everything is data-driven. We are able to tell the credit union or bank how many products we actually sold. What loans did you sell? How many auto loans? How many mortgages? How many HELOCs? How many credit cards? How many deposit accounts did you open each month that were influenced by our campaigns? We’re able to go back and tell them that. And what are the new balances you generated as a result of that? So it’s not about impressions and clicks. On the back end, we actually give them very deep data analytics so they can see, “This is the revenue I generated last month, and these are the new balances I generated last month.” And so that makes a difference, too.  Yeah. I saw on your website that many customers get a 500% ROI on their investment.  Yeah. Which only says that I’m charging them too little.  Yeah. Yeah.  No, but I mean, if you look at the balances and how they measure, we’re almost afraid to put the actual numbers out there. But we show them a growth grid that shows, month by month, here’s what you made using these campaigns. We can even show them what happens when they turn off the campaigns and what the impact is.  So in terms of bootstrapping, is that a strategy? Let’s say you figure out your scalable sales formula. Would you then go raise money, or would you still want to bootstrap?  If the revenue that I’m generating can be used toward growth, I won’t have to go raise money. But I won’t be so stubborn and silly that I wouldn’t take outside capital. I get calls all the time from investment bankers and capital firms. In fact, I was talking to one just yesterday, and I said, “I’m probably getting a bit closer to being open to capital. Give me another six months. By the end of the year, I should know.” So yes,  I would raise money if I had that sales formula, if I knew for sure. And I think part of this, Steve, is because I talked about my first failure as an entrepreneur. It was a very quick failure, but it was a hard one because I had taken money from friends and family, and it was used up, and they didn’t get much in return. When I had to shut down that company, I actually gave them shares in this company. I guess I got a bit burned, so I’m more resistant to taking outside capital until I’ve figured out what the solution is. But I think I’m getting very close. You get to a point where it’s silly not to take capital.  Yeah, because someone might copy it. You figure out a formula, and someone might copy it. Then they put more money behind it, they dominate the market, and you lose. Yeah. So that’s the only concern.  Yeah.  Yeah. If there are listeners who hear this and say, “Wow, I’d like to learn more because I’m involved with a financial institution, and we need to improve our sales, get more customers, and upsell more customers,” where can they find out more, and how can they reach you?  So our website has, I think, a wealth of information. So certainly they can go to our website just to learn more about the solution. They can contact us at success@deeptarget.com. That’s probably the easiest way to get a deeper dive into what we do and have that one-on-one meeting. And I think that’s the best way to learn more. Whether you’re interested in going forward or not, that’s the best way to learn.  Yeah. Okay. Well, definitely. I checked out the website, and it’s pretty informative. You get good visuals of what Preetha’s team is doing, and it’s pretty complex, I would say. There’s a lot of nuance to it, so I found it fascinating. So definitely check out deeptarget.com if you’d like to learn more. Preetha is also on LinkedIn, and you can email them at success@deeptarget.com. Any famous last words for the audience? Something that would help an entrepreneur who wants to bootstrap their business? What would you recommend they do?  I think starting a business is no easy feat, and I don’t believe in overnight success. It’s a journey. It’s been one of the most inspiring and interesting journeys, and probably the greatest learning journey, that I’ve been through. So I think you shouldn’t focus just on the end result or overnight success. Instead, come for the journey.  Yeah. You have to love the journey in order to reach the destination, right?  It’s tough, right? Yeah. It can be tough at times, but then you reach a point where it’s just the best thing.  Yeah. Well, that’s great inspiration for the founders listening to this. And if you enjoyed the podcast, then definitely follow us on LinkedIn, subscribe on YouTube, and give us a review on Apple Podcasts. And Preetha, thanks for coming. That was an eye-opening discussion. I don’t recall having many bootstrapper tech companies on the show, so this is definitely a new element for us and a really good perspective. So thanks for coming, and thank you for listening. Important Links: Preetha's LinkedIn Preetha's website Preetha's email: success@deeptarget.com

One out of every four loans in 2026 will be non-agency. Are you positioned to compete for all of them — or just three out of four? In this episode of Connect, California MBA CEO Paul Gigliotti sits down with Tom Davis, Chief Sales Officer at Deephaven Mortgage, for a data-heavy, no-fluff conversation on where the non-QM and non-agency markets are headed, why the equity opportunity is generational, and what loan officers need to do right now to stay relevant. Tom brings a front-row view of what's actually happening across borrower demand, product innovation, and liquidity — and he doesn't sugarcoat what originators are leaving on the table by not having a full suite of non-agency products. In this episode: • Why non-QM is on pace to hit $150–180B in 2026 — an all-time record The $400–500B total non-agency market and why missing it means only accessing 75% of your opportunity • Who the non-QM borrower really is: self-employed, investor, credit event, foreign national — and why they're actually lower risk than you think • Why 30% of all 2025 transactions were investor deals — and what a full investor product suite looks like • The home equity opportunity: $35 trillion in equity, 80% of homeowners locked into sub-5% rates, and $600B in renovation originations projected for 2026 • HELOCs, closed-end seconds, and how Deephaven built a Jumbo HELOC up to $1M with alt-doc features • Why waiting for rates to drop is a losing strategy — and what LOs should be doing instead • How servicers are stealing your past clients at a 90% retention rate — and how equity products stop the bleed Connect is the California MBA's podcast where strategy, innovation, and leadership come together to shape the future of mortgage finance. Subscribe for new episodes featuring the voices driving the industry forward.

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

You've spent years building equity in your home — but when does it make sense to actually put that equity to work?In this episode of The Agent of Wealth Podcast, co-host John Williams breaks down the three most common ways homeowners access their home equity: Home Equity Lines of Credit (HELOCs), Home Equity Loans, and Cash-Out Refinancing. He explains how each strategy works, where each one may fit, and the advantages and risks homeowners should consider before borrowing against their home.In this episode, you will learn:The key differences between HELOCs, Home Equity Loans, and Cash-Out Refinancing.When each home equity strategy may make sense.The potential benefits and risks of borrowing against your home.How home equity decisions fit into a broader financial plan.And more!Tune in for a practical framework that can help you determine which home equity option best aligns with your cash flow needs, borrowing goals, and overall financial plan.Resources:Episode Transcript & Blog | Common Home Equity Options (Cheat Sheet) | Bautis Financial: 8 Hillside Ave, Suite LL1 Montclair, New Jersey 07042 (862) 205-5000 | Schedule an Introductory CallWant to be a guest on The Agent of Wealth? Send Marc Bautis a message on PodMatch, here: https://tinyurl.com/mt4z6ywc

On today's episode of The American Land Man Podcast, we are back in the studio with Jeremy Lopez. We discuss:Jeremy bought his first house around age 21 or 22.Military service helped shape his discipline and goals.VA loans became a major financial tool for him.Rental properties helped create cash flow.He used a HELOC to help buy duplexes.His first hunting property was 40 acres in northern Wisconsin.He focused on affordable areas with better margins.He improved trails, food plots, blinds, water, and access.Strong video marketing helped sell the property fast.He expects a check around $57,000–$58,000 before taxes.And So Much More!Connect:-https://bit.ly/NeilHaugerWhitetailProperties-https://bit.ly/NeilHaugerFacebook-https://bit.ly/NeilHaugerYouTube-https://bit.ly/NeilHaugerInstagram

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

Thinking about tapping into your home's equity? In this episode, we're breaking down HELOCs—what they are, when you can actually get one, and why (or why not) you might use it. We keep it simple, real, and practical so you can make smart financial decisions for your family.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.sistertipsters.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠**Follow⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sister Tipsters on Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Shop ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Our Favorites⁠⁠

The most common question in Canadian real estate investing has one real answer: capital is everywhere... you just need to know where to look. Nick and Dan walk through 14 distinct capital sources, from conventional A-lenders, B-lenders, and credit unions to HELOCs, BRRRR, private lenders and MICs, mezzanine debt, joint ventures, VTBs, CMHC MLI Select, Build Canada Homes, and family/network capital. Every source gets honest pros and cons. A reference episode, bookmark it and come back to the segments that apply to your next deal. EDMONTON MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREESee omnystudio.com/listener for privacy information.

In this episode of Moolala: Money Made Simple, host Bruce Sellery tackles three pressing issues facing Canadians today. Organizational psychologist Dr. Liane Davey introduces the concept of "thought load" , an invisible tax on your performance and presence driven by rising cognitive demands, emotional triggers, and depleted energy reserves. Liane shares practical strategies to identify your overwhelm style and reclaim your focus. Then, Ron Butler, principal broker at Butler Mortgage and host of the Angry Mortgage Podcast, breaks down the pros and cons of home equity lines of credit (HELOCs), explaining how they work, when they make sense, and the critical difference between a mortgage and a demand loan. Finally, Cherolle Prince, Director of Fraud and Identity Management at Equifax Canada, reveals why first-party fraud, which is when individuals misrepresent their own financial information to qualify for credit, is surging at over 30% year over year, and what lenders and AI tools are doing to fight back. To find out more about the guests check out: Dr. Liane Davey: lianedavey.com | LinkedIn | YouTube | Instagram | Facebook | X Ron Butler: butlermortgage.ca | X | Instagram | Facebook Cherolle Prince: LinkedIn(Cherolle) | X | Facebook | Instagram | YouTube | LinkedIn(Equifax) Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | X | Facebook | LinkedIn

I sit down with Velocity Banking Expert, Anthony Rushing, to discuss using 1st lien HELOCs to pay off debt. Anthony answers the questions of when this concept does and doesn't make sense, and responds to the most common objections against the strategy.Watch the Interview on Youtube for Visuals -https://youtu.be/JIdrn74opF4Want to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comChapters:00:00 - Interview Teaser01:30 - Disclaimer02:20 - Mechanics of First-Lien HELOCs*First-Lien Position*Interest Calculation*Rate Types*Bank Retention Barrier to Entry13:53 - First-Lien vs. Second-Lien HELOCs16:12 - Velocity Banking Concepts*Line of Credits*HELOC as a Checking Account*Positive Cash Flow31:13 - Behavioral Advantages and Motivational Theory*Liquidity and Control *Motivational Theory*Automation44:40 - Misconceptions and Complexities*Simple Interest *Math vs. Reality01:27:36 - Risks and Contractual Structure*Draw Period (Open-ended)*Repayment Period (Closed-ended)01:49:52 - Who is the First-Lien HELOC For?*The Debt-Motivated*Investor-MindedDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

I sit down with Zach Oehlman, a former velocity banking and 1st lien HELOC advocate turned whistleblower—who's now calling out major figures like Michael Lush and the Kwak Brothers. After years as a top affiliate with Renatus, Zach breaks down the flawed math behind velocity banking, explains why the strategy doesn't outperform simply paying down your mortgage, and shares details of his lawsuit against Renatus. If you've heard claims of paying off your home in a few years using HELOC “chunking,” this is a direct, numbers-driven breakdown—and an open challenge to anyone defending the strategy.Watch the Interview on Youtube for Visuals - https://youtu.be/OJcLugBokeEWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewBuy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summitLearn More About BetterWealth: https://betterwealth.comChapters:00:00 - Interview Teaser 01:36 - Guest Introduction, Velocity Banking, Lines of Credit 04:24 - The Legal Battle with Renatus *12-Year History with Renatus *Why is he suing the company? 11:40 - Attempts at Dialogue and Professional Audits 18:51 - What is Renatus and What Do They Sell? 24:57 - Understanding the Velocity Banking Pitch 27:31 - Debunking "Amortized Interest" Myths 29:22 - The Host's Own Correction on Amortization 33:59 - Flaw in Comparative Analysis 34:34 - Liquidity, HELOCs, and Second Leans 45:51 - Step-by-Step Math: Mortgage Acceleration Logic 47:23 - How to Pay Less in Interest? 48:02 - How to Pay Off $100k in 3 Years 48:45 - Correct Analysis 57:17 - Mortgage Calculator 01:02:17 - Goal of the Lawsuit 01:10:12 - Final ThoughtsDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

William Parmer shares how education, faith, family support, and bold action helped him move from law enforcement into rental investing, passive income, and the deeper pursuit of buying back his time.See article: https://www.unitedstatesrealestateinvestor.com/create-remarkable-courage-to-buy-back-your-time-with-william-parmer/(00:00) - Introduction to The REI Agent Podcast and William Parmer(00:24) - William's Welcome and Goal to Inspire Investors(00:34) - From Veteran and Law Enforcement Officer to Real Estate Investor(00:46) - COVID Patrol Shifts, Podcast Discovery, and Learning Through Master Passive Income(03:15) - How Real Estate Education Changed William's View of the Paycheck Path(03:56) - Coaching, Cold Feet, and Closing the First Out-of-State Rental(05:56) - William's Family Life and Being a Husband and Father of Four Girls(06:41) - The Kitchen Table Money Conversation With His Wife(08:12) - Choosing Between Single-Family Rentals, Short-Term Rentals, and Mobile Home Parks(08:24) - Why Mobile Home Parks Are More Complex Than Traditional Rentals(10:26) - Mobile Home Parks, Affordability, and Risk Compared With Luxury Rentals(11:16) - Short-Term Rental Risk and Using Long-Term Rental Numbers as the Backup Plan(12:33) - The ABC Plan for Short-Term, Mid-Term, and Long-Term Rental Exits(13:08) - Mid-Term Rentals, Furnished Finder, and Less Management(13:50) - Market Differences in Vacation Rentals, Mid-Term Rentals, and Co-Living(15:12) - Finding Cash-Flowing Long-Term Rentals in Tougher Interest Rate Markets(16:17) - Factoring Property Management Into the Numbers From Day One(17:34) - Researching Appreciation, Local Industries, and Midwest Market Myths(18:21) - William's Zillow and AI Process for Analyzing Out-of-State Markets(21:51) - Using Property Managers for Virtual Market Feedback(22:28) - How to Ask Property Managers About Specific Rental Properties(23:42) - Working With Agents and Property Managers Before Making Offers(24:57) - The Value of Boots-on-Ground Professionals in Repeat Markets(26:29) - Building a Vendor Rolodex Through Local Banks, Managers, and Referrals(27:47) - The Biggest Mistake New Investors Make(28:01) - Analysis Paralysis and Why New Investors Chase Perfect Numbers(29:11) - Why Most Beginner Mistakes Are Not as Catastrophic as They Feel(30:41) - Buying Below Market Value and Focusing on Cash Flow(31:32) - The Hidden Expenses Beginners Forget in Cash-Flow Calculations(32:15) - Why William Recommends Reaching at Least 10 Rentals(33:40) - Mattias's Line in the Sand Against DIY Repairs(35:46) - Local Bank Relationships, ARV Lending, and Flexible Financing(36:37) - How Rental Housing Serves People Who Do Not Want to Own(37:57) - Using Equity, Refinances, and HELOCs to Grow(38:43) - The Golden Nugget: Start With Education(38:58) - Podcasts, Notes, AI Explanations, Books, Coaching, and Meetups(41:11) - Foundational Books for Investors(41:20) - Rich Dad Poor Dad, Cashflow Quadrant, Benjamin Hardy, and Mindset Books(42:24) - Where to Find William Parmer and Breakthrough InvestorContact William Parmerhttps://masterpassiveincome.com/coach/william-parmerhttps://www.facebook.com/william.parmer.2025/https://www.instagram.com/william.c.parmer/https://www.linkedin.com/in/william-cary-parmer-8480382a4/William Parmer's story is a powerful reminder that financial freedom does not begin with perfect confidence. It begins with education, action, and the courage to buy back your time. Keep learning, keep building, and keep moving toward a life that gives your family more options. For more inspiring investor conversations, 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

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

In today's episode, we look at figures associated with Hispanic lending in America. Plus, Robbie sits down with Figure's Anthony Stratis (for a discussion on the home equity lending space) and Verus' Dane Smith (for a discussion on innovative loan products). And we close by examining what it would take for oil prices to return to normal levels.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.Thank you to FirstClose, which provides fintech solutions to HELOC and mortgage lenders nationwide. Their home equity lending platform accelerates the home equity lending process, reducing application to closing times from 45 days to less than ten. 

A Home Equity Line of Credit can be an extremely useful tool to fund a variety of things in life. If you own a home, tapping into your home's equity for projects, plans and expenses can be a smart way to cover costs. Keep listening for some helpful ways to use a home equity line of credit.  Links: Learn more about Triangle's HELOC program Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   Your home isn't just where life happens—it can also be one of your most powerful financial tools. A Home Equity Line of Credit (HELOC) lets you tap into the value you've already built, giving you flexible access to cash when you need it most. But too often, homeowners overlook just how strategic a HELOC can be when used thoughtfully. From upgrading your living space to unlocking new opportunities, the right move can turn your home's equity into long-term gains. Here are four fantastic, smart, and practical ways to put a HELOC to work—and make your home work harder for you.  Home repairs and renovations. Using a HELOC for home repairs or renovations allows you to reinvest directly into the asset that's generating the equity in the first place—your home. Whether you're updating a kitchen, replacing a roof, or adding a home office, these projects can improve both daily comfort and long-term property value. A HELOC is especially appealing because it typically offers lower interest rates than credit cards or personal loans, and you only borrow what you need as expenses arise. The flexibility of a revolving credit line also makes it easier to manage phased renovations or unexpected repair costs. Another great use of a HELOC is to fund education. Education is an investment that can pay dividends for decades, and a HELOC can be a cost-effective way to cover tuition and related expenses. Compared to private student loans, HELOCs often offer lower interest rates and more flexible repayment options. Homeowners may use a HELOC to fund a child's college education, graduate school, or career-advancing certifications. The ability to draw funds as needed works well with semester-based tuition schedules. For families seeking an alternative to high-interest education loans, a HELOC provides flexibility without locking into rigid terms. A third great use is for important life events or major purchases. Life's biggest moments—such as weddings, medical expenses, starting a business, or purchasing a recreational vehicle—often come with substantial costs. A HELOC provides access to funds when timing matters, without requiring you to drain savings or sell investments. Because it's a revolving line of credit, you can borrow exactly what you need and repay it over time. Many homeowners choose HELOCs for major purchases due to lower interest rates compared to credit cards. This approach offers a practical way to cover large expenses while maintaining financial flexibility. A fourth great use is to use it for debt consolidation. A HELOC can be a powerful tool for simplifying and lowering high-interest debt. By consolidating credit cards, personal loans, or medical bills into one lower-interest payment, homeowners can potentially save thousands in interest over time. Managing a single monthly payment also makes budgeting easier and more predictable. Since HELOC rates are usually much lower than unsecured debt, more of each payment goes toward reducing the principal balance. For those feeling overwhelmed by multiple debts, a HELOC can provide a clear path toward financial breathing room—when used responsibly.  A HELOC isn't just about access to extra cash—it's about flexibility, opportunity, and smart financial planning. Whether you're reinvesting in your home, investing in education, managing life's major expenses, or regaining control of debt, the right use of a home's equity can create meaningful long-term benefits. As with any financial decision, careful planning and disciplined repayment are key but when used wisely, a HELOC can help turn the equity you've built into a powerful resource for your next chapter.  If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.

What if passive income is not about chasing the latest flashy strategy, but about getting clear on what you actually want, understanding the risks, and choosing investments that fit your life?In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt talks with Ryan Gibson, President and Chief Investment Officer of Spartan Investment Group. Ryan shares how his journey from airline pilot to real estate investor led him to build a firm that helps investors participate in self-storage without taking on the day-to-day burden of ownership. The conversation covers common investor mistakes, how self-storage really works, where investment capital can come from, and why clarity matters more than hype when building long-term wealth.→ Ryan explains why many high-income earners jump into real estate before deciding whether they actually want an active business or a passive investment.→ He breaks down several ways investors may fund real estate opportunities, including cash, 401(k) loans, leveraged stock accounts, HELOCs, life insurance strategies, and self-directed IRAs.→ Gary and Ryan discuss the difference between direct ownership in a real estate deal and investing through a REIT, especially when it comes to control, tax treatment, and understanding the actual asset.→ Ryan shares what Spartan looks for in self-storage opportunities, including supply and demand, visibility, density, future buyer interest, and rent growth potential.→ The episode also highlights why self-storage performs across changing economic conditions, driven by life events, business needs, downsizing, moving, and renovation. Ryan says about 70 percent of customers are driven by life transitions, while the other 30 percent are business users.→ Ryan closes with practical advice for high earners who make high income but may not be paying enough attention to what they actually keep after taxes, fees, and poor planning.Listen in for a grounded conversation on passive income, diversification, and why the right professional team can make all the difference.More about Ryan:Ryan Gibson | President & Chief Investment Officer Spartan Investment Group | 1633 Westlake Ave N. Suite 120, Seattle, WA 98109 C: 202.696.5112 Website | Invest in Our Values More about Gary:Visit Gary Heldt's website at https://www.sbadvisors.cc/Connect with Gary on LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr/

In today's episode, we look at the calculus going through building contractors minds. Plus, Robbie sits down with WSFS Bank's Jeffrey Ruben for a discussion on how homeowners can strategically tap their equity while navigating today's rate environment, avoiding common renovation financing pitfalls, and understanding why many are calling this the “golden age” of HELOCs. And we close by examining the ways in which rates are impacting borrower psychology as we enter the traditionally robust spring home buying season.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.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. 

In this episode of the Get Out of Debt Guy Show, Steve Rhode, the old or original Get Out of Debt Guy, and Damon Day, the new Get Out of Debt Guy, cut through the noise and talk about what rising prices, shrinking credit access, and a shaky economy could mean for people already living on borrowed money.They cover why relying on available credit is dangerous, how banks can reduce credit lines with little warning, why HELOCs are not a guaranteed safety net, and what recent warnings from major companies may be signaling about debt, inflation, housing, and consumer pressure. They also dig into the ugly truth about timeshares, timeshare exit companies, debt settlement, and why waiting too long to act can make a bad situation much worse.This episode is a blunt, funny, real-world conversation about credit cards, emergency funds, cash flow problems, rising household costs, and how to protect yourself before your financial options disappear.Get more help, articles, and tools at https://getoutofdebt.orgTalk to Damon directly at https://damonday.com

Are you making money… or actually building wealth and keeping more of it? In this episode of Life Changing Money, Barbara breaks down why real estate is one of the most powerful wealth-building tools for business owners and how it can dramatically reduce your tax bill at the same time. If you're generating income but not strategically turning it into long-term wealth, this episode will shift how you think about money. Barbara walks through practical ways to leverage what you already have (your income, your home, and your equity) to start building a real estate portfolio. Tune in to hear: Why real estate is a “dual-purpose” asset (wealth + tax savings) How to turn your personal home into your first rental property Creative ways to use equity (HELOCs & leverage) to buy more properties The truth about spending vs. investing as a business owner Key tax deductions real estate investors should never miss How home office deductions apply to rental properties What the self-rental strategy is and how it can offset business income How cost segregation can create massive upfront tax savings Why your accountant might be costing you money (and what to do instead) Overlooked deductions like vehicles, mileage, and equipment The importance of actually understanding your numbers (not outsourcing blindly) How to scale wealth faster by combining business income + real estate  

Send us Fan MailCredit card debt feels normal… until you run the numbers.In this episode, we break down the “money math” that determines whether you build wealth or stay stuck paying interest. From 22% APR and compounding debt to balance transfers, HELOCs, and paying off high-interest debt first, this is a practical conversation about how money actually works.We also touch on assets vs liabilities, investing, and how understanding your numbers changes everything.If you've ever felt lost when it comes to money, this one will hit.Subscribe, share, and let me know your biggest takeaway.Support the showLearn More at: www.Redefine-Fitness.com

Tune in as the team discusses: Why most struggles in land investing are mindset-driven, not tactical How “land therapy” helps sellers release emotional attachments to property Overcoming fear of talking to sellers by using blind offers with built-in pricing Common beginner challenges like hesitation, self-doubt, and inconsistency Why pushing through discomfort leads to confidence and momentum How to raise capital using debt instead of giving up equity Creative funding strategies including friends, family, HELOCs, and credit lines The power of land arbitrage to start with minimal capital Wholesale vs. note-selling strategies for generating quick cash How to improve closing rates by asking better questions and handling objections Reframing “lack of cash” into owning a valuable land portfolio Why consistency in mailing is critical—even when cash feels tight   TIP OF THE WEEKMark: When raising capital, ask for advice—not money. It naturally leads to funding conversations with people who trust you. Scott: Get on the phone to close deals—real conversations uncover objections and dramatically improve your success rate. Mike: Focus on alignment, not selling. Ask questions to confirm the property fits the buyer's needs before presenting the offer. Jon: Don't stop mailing when cash is tight—keep the machine running and use wholesale deals for quick psychological wins.WANT MORE? Enjoyed this episode? Dive into more episodes of AOPI to discover how to build real passive income through land investing. UNLOCK MORE FREE RESOURCES: Get instant access to my free training, a free copy of my Bestseller Dirt Rich Book, and exclusive bonuses to accelerate your land investing journey—it's all here: https://thelandgeek.ac-page.com/Podcast-Linktree. "Isn't it time to create passive income so you can work where you want when you want, and with whomever you want?"

Are you unknowingly leaving thousands (or even hundreds of thousands) of dollars in tax savings on the table with your real estate strategy? In this episode, we're diving into real estate tax strategies by answering real questions from investors just like you. From LLC myths to Airbnb loopholes, this episode breaks down what actually works when it comes to saving money and scaling your portfolio. You'll learn why having an LLC doesn't reduce your taxes (and what it actually does), how to properly structure your properties for protection, and the biggest mistakes investors make when it comes to liability and tax planning. We also get into powerful strategies like cost segregation studies, the short-term rental loophole, and how to use leverage (like HELOCs and mortgages) to grow your portfolio faster while maximizing deductions along the way. If you're serious about building wealth through real estate and keeping more of what you make, this episode is packed with actionable insights you can implement right away. Tune in to hear: Why an LLC does NOT save you money on taxes When you should (and shouldn't) put properties in an LLC The real reason liability protection matters more than tax savings What expenses you can actually write off with rental properties How the short-term rental loophole can offset your income What a cost segregation study is and how it can create massive deductions Why paid-off properties might actually be risky How to leverage equity (HELOCs, refinancing) to scale faster The difference between passive rental income vs. active house flipping Why you should separate your LLCs for rentals, flips, and businesses How to properly handle the home office deduction across multiple entities

Welcome to our monthly feature Learn With A Lender with Austin Clarence. In this episode, Austin and D.J. discuss the new Fannie Mae and Freddie Mac rules that will push condo HOAs to increase reserve funds from 10% to 15% and what that means. Next, they discuss how real estate agents can turn these changes into opportunities by educating condo owners and HOA boards, positioning themselves as trusted experts. Austin also explains how bridge loans and HELOCs let homeowners tap into their equity to buy before they sell, and how to navigate today's higher-rate environment shaped by global conflicts, inflation, and oil prices. Subscribe to Austin's newsletter by sending an email to aclarence@nexalending.com. If you'd prefer to watch this interview, click here to view on YouTube! Austin Clarence can be reached at +1 650-906-2376 and aclarence@nexalending.com. This episode is brought to you by Real Geeks and Courted.io.

In this episode, Wade Pfau and Alex Murguia revisit reverse mortgages and explain why they are often misunderstood in retirement planning. Rather than a last-resort tool, they frame modern HECM reverse mortgages as a strategic asset that can enhance retirement outcomes when used properly. The discussion highlights how a growing line of credit can act as a buffer against market downturns, improve tax efficiency, and even provide reliable income, ultimately making the case that home equity should be actively coordinated alongside investments and Social Security in a well-designed retirement plan. Listen now to learn more!   Takeaways  Reverse mortgages are often misunderstood and unfairly dismissed based on outdated myths Home equity should be treated as a usable retirement asset, not just a legacy asset A reverse mortgage line of credit can serve as a buffer asset to manage the sequence of returns risk The line of credit grows over time, increasing flexibility even if unused Loan proceeds are not taxable income, which can improve tax efficiency in retirement Reverse mortgages are more reliable than HELOCs since they cannot be frozen during market stress They can provide guaranteed income streams through tenure or term payment options Using a reverse mortgage early as part of a strategy is typically more effective than waiting until it is a last resort Chapters 00:00 Introduction to Reverse Mortgages 02:30 History and Evolution of Reverse Mortgages 05:51 Understanding the Myths and Misconceptions 10:07 The Logic Behind Reverse Mortgages 13:34 The Growing Line of Credit Explained 16:45 Buffer Assets and Their Importance 17:39 Exploring Buffer Assets in Retirement Planning 20:11 Understanding Reverse Mortgages as Income Streams 23:15 The Mechanics of Reverse Mortgages 28:17 Cost Considerations for Reverse Mortgages 30:09 Identifying Ideal Candidates for Reverse Mortgages 34:09 Last Resort Options and Their Implications   Links

In this engaging episode of the Loan Officer Podcast, host Dustin Owen welcomes Tom Pollock from Symmetry Lending for an in-depth conversation recorded live at the Florida Association of Mortgage Professionals trade show in Orlando. Together, they dive into the evolving landscape of home equity lines of credit (HELOCs), with Tom offering a comprehensive overview of how HELOCs can be leveraged as a flexible and powerful financial tool for both homeowners and mortgage professionals. He breaks down practical strategies, such as utilizing piggyback loans to help clients avoid exceeding jumbo loan limits, and shares insights into Symmetry Lending's innovative approach to condo financing—including their unique policy that eliminates the need for a traditional condo review, streamlining the process for borrowers and brokers alike. Tom goes on to highlight Symmetry's commitment to efficiency and service, emphasizing their broker-exclusive platform that delivers rapid approvals within just 3-5 business days, setting them apart in a competitive market. The discussion also touches on the importance of financial responsibility, with Tom and Dustin exchanging personal stories and professional advice on managing finances wisely in today's economic climate. To round out the episode, Tom offers a few of his favorite book recommendations for personal and professional growth, providing listeners with valuable resources to continue their own education. Whether you're a seasoned loan officer or new to the industry, this episode is packed with actionable insights and expert perspectives.   Loan officer looking for a new place to call home?

Many of us have substantial equity in our homes. How can we use it to grow our wealth?I'm joined by Matt Lee & Ming Lim from Volition properties to unpack HELOCs (home equity line of credit), the Smith Manoeuvre (routine and supercharged), & reverse mortgages.The episode kicks off by discussing life goals & our why, which is critical to nail down before embarking on any wealth strategy.This episode is brought to you by Clever Consult: https://www.cleverconsult.ai/Discussion points:Goal setting & our Belize (3:03)My goals (13:50)Risks & mitigation in real estate investing (15:55)HELOCs (24:45)The Smith Manoeuvre (29:05)The supercharged Smith Manoeuvre (33:45)Why the Smith Manoeuvre is not for everyone (39:25)Reverse mortgages (46:19)Trends in Toronto multifamily investing (54:54)Volition Properties: https://www.volitionprop.com/matthew@volitionprop.comming@volitionprop.comYatin's Links:Newsletter: https://www.beyondmd.ca/newsletterWebsite: https://www.beyondmd.ca/LinkedIn: https://www.linkedin.com/in/yatin-chadha/Email: yatin@beyondmd.caRadiology courses for clinicians:https://beyondradiology.thinkific.com/courses/ct-head-interpretation-coursehttps://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Don't think you have the money to buy a rental property? Maybe you're just looking in the wrong place! Today, we're talking about different ways to invest in real estate using your existing home equity. Whether you're buying your second, third, or fourth property, this simple strategy could help you build your real estate portfolio much faster!   Welcome to another Rookie Reply! We're back with three questions from the BiggerPockets Forums, the first of which is all about home equity lines of credit (HELOCs). What are they, and how do they work? Meanwhile, another investor is considering not just a HELOC but multiple options for tapping into their equity. Should they do a cash-out refinance? What about selling the property altogether? We cover the pros and cons of each strategy so YOU can make the right choice!   Finally, do you really need a property manager? What about when investing out of state? Stick around until the end, as we share our favorite software, systems, and resources for hands-on landlords—no matter the distance! Looking to invest? Need answers? Ask your question here! In This Episode We Cover Home equity lines of credit (HELOCs) explained (and how to use them) Three ways to access the home equity in your investment property How to “recycle” the same funds to buy multiple rental properties Self-managing versus hiring property management when investing from afar The one time you absolutely should hire a property manager for your rental And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/rookie-700 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

In this Ask KT & Suze Anything episode, Suze answers your questions about margin accounts, emergency funds, and HELOCs. Plus, paying your taxes now and so much more! Check out Suze’s NEW website: SuzeOrman.com Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbHCLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMI See omnystudio.com/listener for privacy information.

In this Ask KT & Suze Anything episode, Suze answers your questions about HELOCs, trusts, mortgages and so and more! Check out Suze’s NEW website: SuzeOrman.com Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbHCLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

✨ Join me for my FREE Class! The Biggest Roadblocks Keeping Landlords From Scaling — and How to Fix It March 26, 2026 at 12PM & 7PM ET via Zoom https://owningitandlivingit.com/landlord You want to buy your next rental property — but something keeps stopping you.  It's not the market. It's not the rates. It's probably one of these 3 mistakes.  And the third one? Most landlords don't even realize it's happening to them. In this episode I break down the 3 real reasons landlords stay stuck:

If you got sued tomorrow, could you lose your home? In this episode of the Main Street Business Podcast, Mark J. Kohler and Mat Sorensen break down the real risks to your home equity — and the smart strategies you can use right now to protect it before it's too late. From homestead exemptions to equity stripping, this is essential knowledge every homeowner and investor needs to understand.We dive into how different states protect your home, when creditors can (and can't) touch your equity, and how tools like HELOCs, retirement accounts, and domestic asset protection trusts can create powerful layers of defense. You'll also learn the common mistakes people make — like relying too heavily on umbrella insurance or transferring assets incorrectly — and how to avoid them.If you're serious about protecting your wealth, minimizing risk, and building a solid financial foundation, this episode gives you a practical roadmap to do it right. Make sure to subscribe, like, and share this with someone who needs to safeguard their assets!You'll learn:How lawsuits can impact your home equity — and when your house is actually at riskWhat the homestead exemption is and how it protects you (state-by-state differences)When and how creditors can force the sale of your homeThe strategy behind “equity stripping” and how it can reduce your exposureHow HELOCs and liens can be used as a defensive asset protection toolWhere to safely move equity so it's harder for creditors to reachThe pros and cons of domestic asset protection trusts vs. offshore trustsWhy umbrella insurance may not protect you the way you thinkHow to structure LLCs and entities to contain liability and protect personal assetsCommon asset protection mistakes that could cost you everythingGet a comprehensive tax consultation with one of our Main Street tax lawyers that can build a tax strategy plan with an affordable consultation that will leave you speechless!!Here's the link - https://kkoslawyers.com/services/comprehensive-bus-tax-consult/?utm_source=buzzsprout&utm_medium=description-link&utm_campaign=main-street-business-podcast&utm_content=msbp614-can-you-lose-your-house-in-a-lawsuitGrab my eBook 30 Unique Strategies Every Business Owner Should Know! You don't want to miss this! Secure your tickets for the #1 Event For  Small Business Owners On Main Street America:  Main Street 360 Looking to connect with a rock star law firm? KKOS is only a click away! Are you ready to get certified in EVERY strategy I teach? Start your journey with a FREE 15-minute discovery call to explore the Main Street Tax Pro Certification. Check out our YOUTUBE Channel Here: https://www.youtube.com/markjkohlerCraving more content? Check out my Instagram! 

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Just three years ago, Joanna Caldera was working as a nurse, raising four children while her husband was gone most of the month in the oil fields. She wanted time with her kids and her husband to come home, but all of that required money. Now, just three years later, she has four rental units, has made $130K in profit from her first two house flips, has replaced her nurse's salary with real estate income, and has her dream home. Anyone can do the same, using the strategies she shares today, even if you have no experience, even if you've got very little cash to play with. Joanna even overpaid for her first property by $20,000—a mistake almost every rookie investor is scared to make, but it paid off. She's done everything—cosmetic flips, BRRRRs (buy, rehab, rent, refinance, repeat), added floors and rooms, dealt with hoarder houses, and did it all in between picking up her kids from school, taking them to practice, and oftentimes while working a nurse's shift. Joanna proves real estate investing is possible for everyone, and within just a few years, your life can completely change because of it.  In This Episode We Cover How to invest in real estate when you have very little time or cash  Why “overpaying” for a property is not a bad idea (if your situation is like Joanna's)  Using your home equity to invest and why HELOCs are an investor's secret weapon  Pulling off the “perfect BRRRR” and getting a renovated house for very little money  Raising private money from your friends and family when starting to invest (and how to protect their principal)  Making six figures to renovate your dream home? Joanna did it, you can, too  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠ttps://www.biggerpockets.com/blog/real-estate-1252 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

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.

In this episode, Dylan Silver interviews Matt Graham, a former banker turned small-shop mortgage banker and investor based in the Ozarks. Matt shares insights on real estate investing opportunities in the Ozarks, including affordable entry-level properties, long-term rentals, and short-term vacation rentals in areas like Branson. He explains financing strategies such as HELOCs, the BRRRR method, commercial lines of credit, and DSCR loans. Matt also discusses the importance of choosing the right investment strategy, surrounding yourself with the right team, and understanding market factors like interest rates, inflation, and unemployment when making real estate decisions.   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   —--------------------

In this episode of "The DO Show," mortgage expert Dustin Owen takes a deep dive into the concept of home equity, thoroughly explaining what it is, how it accumulates over time, and why it is such a valuable asset for homeowners. He breaks down the various ways in which home equity can build, such as through regular mortgage payments, property value appreciation, and home improvements, helping listeners understand the mechanics behind growing their wealth through real estate ownership. Dustin then explores the financial tools available to homeowners who wish to access their home equity, focusing specifically on Home Equity Lines of Credit (HELOCs) and Home Equity Loans. He provides a detailed comparison of these two options, outlining how each works, their respective advantages and disadvantages, and the scenarios in which one might be more appropriate than the other. He also discusses the potential risks involved, such as fluctuating interest rates with HELOCs or the possibility of overleveraging, and stresses the importance of understanding the terms and conditions before proceeding. Throughout the episode, Dustin emphasizes the critical role of education and professional guidance when making decisions about leveraging home equity. He draws important lessons from the 2008 financial crisis, illustrating how misuse or misunderstanding of home equity products contributed to widespread financial hardship for many families. By sharing these insights, Dustin encourages listeners to approach home equity with caution and to seek advice from trusted mortgage professionals. Ultimately, Dustin's message is clear: when used responsibly and strategically, home equity can be a powerful tool for building long-term wealth, funding major expenses, or investing in new opportunities. However, he cautions that irresponsible use or lack of knowledge can quickly turn this asset into a liability, leading to financial stress or even loss of one's home. He urges listeners to educate themselves, consult with experts, and make informed choices to ensure that leveraging home equity serves as a benefit rather than a burden. The Moment Homeowners Realize Home Equity (00:00:00) America's Record Home Equity & Its Uses (00:01:14) Episode Introduction & Focus (00:02:26) Host Introduction & Background (00:03:05) Defining Home Equity (00:03:58) Home Equity as Illiquid Wealth (00:05:00) HELOCs: Structure and Features (00:06:05) Home Equity Loans: Structure and Features (00:08:20) Risks and Historical Misuse of Home Equity (00:09:31) Smart Uses for Home Equity (00:10:44) The Importance of Education and Guidance (00:11:59) Encouragement to Seek Professional Help (00:13:06) Episode Conclusion & Call to Action (00:14:22) Let our team connect you with a Real Estate Expert local to you! https://tloponline.com/real-estate-help/ 

Pascal Wagner interviews Shawn Owen, CEO of Salt Lending, to unpack how crypto holders can responsibly leverage Bitcoin for liquidity without taking on unnecessary risk. Shawn shares his journey from traditional real estate investing through the 2008 financial crisis and into early Bitcoin adoption, explaining why lending against crypto mirrors familiar tools like HELOCs more than speculative margin trading. The conversation explores how Bitcoin-backed loans work, what happens during sharp drawdowns, and how Salt structures products to protect both borrowers and lenders. They also discuss why institutional adoption, regulation, and long-term credit infrastructure are critical to Bitcoin's role as a serious financial asset. Shawn OwenCurrent role: CEO, Salt LendingBased in: United StatesSay hi to them at: LinkedIn: https://www.linkedin.com/in/shawn-owen-052a6153 ​Twitter/X: https://x.com/Shawn_OwenJ​SALT Lending Twitter/X: https://x.com/SALTLending​SALT Lending Instagram: https://www.instagram.com/reel/DRmyfzXjus8/​ Company profile and blog: https://saltlending.com/author/shawn-owen/​ Book your free demo today at bill.com/bestever and get a $100 Amazon gift card. Visit ⁠www.tribevestisc.com⁠ for more info. Try QUO for free PLUS get 20% off your first 6 months when you go to quo.com/BESTEVER  Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/  Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at⁠ ⁠⁠⁠www.bestevercommunity.com⁠⁠ Podcast production done by⁠ ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices