Podcasts about housing market

Our co-heads of Securitized Products Jay Bacow and James Egan explain why recent U.S. government measures won't change much the outlook for mortgage rates, home prices and sales this year.Read more insights from Morgan Stanley.----- Transcript -----Jay Bacow: Jim Egan, I see you sitting across from me wearing a quarter zip. As old things become new again, my teenager would think that is trendy. James Egan: I think this is one of, if not the first, times in my life that a teenager has thought I was trendy, including back when I was a teenager. Jay Bacow: Well, as captain of the chess team in high school, I was never trendy. But Jim… Welcome to Thoughts on the Market. I'm Jay Bacow, co-head of Securitized Products Research at Morgan Stanley. James Egan: And I'm Jim Egan, the other co-head of Securitized Products Research at Morgan Stanley. Today, we're here to talk about some of the programs that are being announced and their implications for the mortgage and U.S. housing markets. It's Tuesday, January 20th at 10am in New York. Now, Jay, there have been a lot of announcements from this administration. Some of them focused on affordability, some of them focused on the mortgage market, some of them focused on the housing market. But I think one of them that had the biggest impact, at least in terms of trading sessions immediately following, was a $200 billion buy program from the GSEs. Can you talk to us a little bit about that program? Jay Bacow: Sure. As you mentioned, President Trump announced that there would be a $200 billion purchase of mortgages, which later was confirmed by FHFA director Bill Pulte, to be purchased by Fannie and Freddie. Now, we would highlight putting this $200 billion number in context. The market was probably expecting the GSEs to buy about a hundred billion dollars of mortgages this year. So, this is maybe an incremental a hundred billion dollars more. The mortgage market round numbers is a $10 trillion market, so in the scope of the size of the market, it's not huge. However, we're only forecasting about [$]175 billion of growth in the mortgage market this year, so this is the GSEs buying more than net issuance. It's also similar in size to the Fed balance sheet runoff, which is something that Treasury Secretary Scott Bessant mentioned in his comments last week. And so, the initial impact of this announcement was reasonably meaningful. Mortgage spreads tightened about 15 basis points and headline mortgage rates rallied to below 6 precent for the first time since 2022 on some mortgage measures. James Egan: Alright, so we had a 15 basis point rally almost immediately upon announcement of this program. That took us, I believe, through your bull case for agency mortgages in our 2026 outlook. So, what's next here? Jay Bacow: Well, we have a lot of questions about what is next. There's a lot of things that we're still waiting information on. But we think the initial move has sort of been fully priced in. We don't know the pace of the buying. We don't know if the purchases are going to be outright – like the Fed's purchase programs were. Or purchased and hedging the duration – like historically, the GSEs portfolios have been managed. We don't know how the $200 billion of mortgages will be funded. The way we're kind of thinking about this is if the program is just – and this is a podcast, not a video cast but I'm putting air quotes around just – $200 billion, it is probably priced in and then maybe and then some. However, if the purchases are front loaded or the purchases are increased, or maybe this purchase program indicates possible changes to the composition of the Fed's balance sheet, then there could be further moves in spreads and in mortgage rates.But Jim, what does this mean to the mortgage market writ large? James Egan: Right. So, when we think about what you're talking about, a 15 basis point move in mortgage rates, and we take that into the housing market, the first order implication is on affordability. And this is a move in the right direction, but it is small from a magnitude perspective. You mentioned mortgage rates getting below 6 percent for the first time since 2022. When we think about this in the context of our expectations for 2026, we already had the mortgage rate getting to about 5.75 in the back half of this year. This would take that forecast down to about 5.6 percent. That has a very modest upward implication for our purchase volume forecast, but I want to emphasize the modest piece. We're talking about [$]4.23 million was our original existing home sales forecast. This could take it to [$] 4.25 [million], maybe as high as [$]4.3 [million] with some media effect layered in. But any growth in demand, when we think about the home price side of the equation, we think we'll be met with additional listings. So, it really doesn't change our home price forecast for 2026, which was plus 2 percent. So very modest, slightly upward risk to some of our forecasts. And as we've been saying, when we think about U.S. housing in 2026, the risk to our modest growth forecasts, 3 percent growth in sales, 2 percent growth in home prices. The risk has always been to the upside. That could be because demand responds more to a 5 percent handle in mortgage rates than we're expecting. Or because you get more and more of these programs from the administration. So, on that note, Jay, what else do we think can be done here? Jay Bacow: I mean, there are a lot of potential things that could be done, which could be helpful on the margin or not, depending on how far they are willing to think about the possibilities. Some of the easier changes to make would be changes to the loan level pricing adjustments and the guaranteed fees, and mortgage insurance premiums, which would lower the cost in the roughly 10 to 15 basis points. There are some other changes that could be put through which we think from a legal side which would be much more difficult to make retroactive. That would be either allowing you to take your mortgage with you to the next house, which is what we call portability. Or allowing you to transfer your mortgage to the new home buyer, which is what we call assumability. We think it's extremely difficult to make that retroactive, but that could have some larger impacts, if that were to go through. Now, Jim, speaking of other impacts, mortgages spreads have tightened 15 basis points. What does that do to some of the other sectors that you cover? James Egan: Right. We do think there is a portfolio channel effect here that could be good for risk assets broader than just the agency mortgage space, even though that is clearly the primary impact of that $200 billion buying program. Securitized credit, we think is one of the clear beneficiaries of that tightening, given the relationships it has to agency mortgages. The non-QM mortgage market in particular – one that we're looking at for positive tailwinds as a result of this. Jay Bacow: All right, so we got a big announcement. We got a pretty quick market move after that, and now we're waiting to see what the next steps are. Likely going to have a marginal impact on housing activity, but we got to keep our ears and our eyes open to see what else might come. Jim, always great talking to you. James Egan: Pleasure talking to you too, Jay. And to all of you regular listeners, thank you for adding us to your playlist. Let us know what you think wherever you get this podcast and share Thoughts on the Market with a friend or colleague today. Jay Bacow: Go smash that subscribe button.*** Disclaimer ***James Egan: It's a shame it's not a video podcast. What a great cardigan.

Mentioned in this video:  CrisisInvesting.com Expertsroundtable.substack.com swpcayman.com (gold storage)  In this episode, Doug Casey and the host discuss a variety of topics including Trump's recent recognition of the cost of living crisis in America and his proposed solutions, like a 10% cap on credit card interest and a $2,000 rebate on tariffs. They also dive into Trump's Board of Peace for the Gaza Peace Plan and the individuals involved. The conversation extends to commentary on healthcare, mortgage plans, and the broader economic outlook, alongside Doug's personal insights on various geopolitical issues such as El Salvador's crackdown on MS gangs, Alberta's potential independence, and prospects of underwater mining. Viewers' questions range from precious metals storage to the viability of gemstone investments, making it a comprehensive discussion on multiple pertinent topics. 00:00 Introduction and Viewer Questions 00:10 Trump's Cost of Living Proposals 03:05 Critique of Trump's Economic Plans 06:46 Healthcare and Insurance Issues 11:49 Housing Market and Mortgage Ideas 17:06 Trump's Gaza Peace Plan 27:58 Viewer Questions on Investments and Global Politics 33:24 Discussing El Salvador's Prison System 38:06 Stock Ownership and Physical Certificates 42:33 Real Estate Market During Economic Crisis 46:35 Dividends in Physical Gold 54:03 Alberta's Potential Independence 55:39 Deep Underwater Autonomous Mining 57:50 Speculation on Iraqi Dinar Reevaluation 01:02:52 Casey's Speculation and Development 01:05:19 Conclusion and Final Thoughts

NBC's Christine Romans shares tips for buying a home in 2026. Plus, NBC's Yasmin Vossoughian explores the resurgence of couples finding love through personal ads. And, Paola Velez shares game-day recipes for the NFL playoffs.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Rogers Healy and Ben Ayers discuss the U.S. housing market. They evaluate whether recent upticks in new and existing home sales, driven by lower mortgage rates, signify a durable recovery. The conversation explores the role of supply constraints, the potential for price re-acceleration in 2026, and how various market factors influence pricing.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

2025 was a tough year for homebuyers. Two things happened over the last three months of the year that helped people trying to buy a home: Housing prices grew more slowly, and mortgage rates fell. We'll unpack and discuss other housing news. Also on today's program: how the wealth effect is supporting our K-shaped economy, and how the bond market is responding to pressures on the Fed to lower interest rates.

2025 was a tough year for homebuyers. Two things happened over the last three months of the year that helped people trying to buy a home: Housing prices grew more slowly, and mortgage rates fell. We'll unpack and discuss other housing news. Also on today's program: how the wealth effect is supporting our K-shaped economy, and how the bond market is responding to pressures on the Fed to lower interest rates.

In this episode, we break down the December 2025 real estate market update for Jeffersontown — one of Louisville's most popular and consistently in-demand neighborhoods.You'll learn how many homes sold, what prices are doing, how long homes are staying on the market, and what the current inventory looks like heading into the end of the year. We also discuss buyer demand, pricing trends, and what the latest data means whether you're thinking about buying, selling, or just keeping an eye on the market.If you're considering a move in Jeffersontown, this update will help you understand where the market stands and how to make smart decisions in today's shifting real estate landscape. Submit your questions for Jay and Ryan to answer on the podcast here!

Will the housing market get better ? Inflation is now permanent, who is priced out? To retain good skin, the best body wash, lip gloss or lip stick ?   Land of bad, sweet girl, border hunters, extraction, project power, Kate, how it ends, demon city, officer black belt, wanted man.   Beef cucumber salad, crack chicken bites, sesame chicken rice bowl, spicy roasted cauliflower salad, porcupine meatballs.   Happy Wednesday day

See omnystudio.com/listener for privacy information.

Crain's residential real estate reporter Dennis Rodkin joins host Amy Guth to talk news from the local market, including a Realtors group economist expecting better affordability in 2026 — but not without some caveats.Plus: Stock market experts in Chicago predict boom or bust for 2026, Pritzker keeps door open to Bears as Indiana stadium threat heats up, Morningstar investment chief leaves to start new firm and a rare Michael Jordan rookie card to be auctioned off. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The president of the United States has ordered Fannie and Freddie to buy $200 billion of mortgage bonds (in a week where he has said and done a lot of things, some of which he is even allowed to do). On today's Capital Record, David unpacks what this means, what it doesn't mean, and why it doesn't represent any solution to the housing affordability mess in which we find ourselves.Show Notes: The Saddest Part of This Recent Economic Lunacy  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Hour 1 for 1/12/26 Drew is joined by Tommy Waller(5:48) to discuss Iran, Israel, Hamas, and broader Middle East tensions (2:44), along with Venezuela and Cuba. Then, Wendy Wilmowski joins the program to break down President Trump’s intervention in the housing market, including the implications for buyers and investors (31:32) and continued analysis of how federal action could reshape housing affordability (40:48).

Joyce talks about President Trump directing the federal housing financing system to purchase $200 billion mortgage bonds, in an effort to bring down both rates and monthly payments.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

President Trump just made some bold calls that will have a huge impact on the 2026 housing market. In this episode, we break down how Trump's potential housing policies could impact mortgage rates, affordability, and buyer behavior heading into 2026. We separate real levers of power from political noise, so you know what actually matters if you're planning to buy or sell. If you want clarity instead of clickbait headlines, this is a must-watch. FREE Online Workshop - Your Guide to Buying A Home In 2026Ready To Become A Homeowner? Start HereJoin Rate Watch – we'll watch rates for youEmail: info@theeducatedhomebuyer.comConnect with Us

Links & ResourcesFollow us on social media for updates: ⁠⁠⁠Instagram⁠⁠⁠ | ⁠⁠⁠YouTube⁠⁠⁠Check out our recommended tool: ⁠⁠⁠Prop Stream⁠⁠⁠Thank you for listening!

Links & ResourcesFollow us on social media for updates: ⁠⁠⁠Instagram⁠⁠⁠ | ⁠⁠⁠YouTube⁠⁠⁠Check out our recommended tool: ⁠⁠⁠Prop Stream⁠⁠⁠Thank you for listening!

In this episode, Karl Eggerss breaks down the key economic and market developments shaping early 2026. He covers the sharp moves in the Venezuelan stock market, the renewed strength in energy stocks, and how recent federal policies under President Trump may influence housing affordability. Karl also examines the latest sector rotation in the stock market and explores whether the shift has staying power. To wrap up the episode, he shares a personal story about meeting Warren Buffett as the legendary investor retired at the end of the year. Show Topics 01:34 Market Movements and News Events 02:01 Venezuelan Stocks and Oil Prices 04:26 Housing Market and Government Policies 07:14 Market Update 11:07 Asset Allocation and Financial Planning 15:17 Personal Anecdote: Meeting Warren Buffett 17:48 Conclusion

Zillow released its new 2026 housing market predictions and…I'm not sure I agree with them. From home price to mortgage rate predictions, “kidfluence” steering decisions, and the rise of the lifestyle renter, I'm going through all 10 of Zillow's predictions and sharing which I agree with, which I'm confused by, and which made me laugh. Even with a few very interesting predictions, I do think some core forecasts will actually play out in 2026. When's the last time you asked your kid, “Hey buddy, where do YOU want to live?” and rented based on their answer? Well, Zillow believes that your toddler does have a serious influence on your next home. But that's not all. In 2026, renting could become cool again as more “lifestyle renters” plan NOT to buy, even if mortgage rates drop. This could be a good sign for investors looking to keep long-term tenants, but you'll need the right type of property. We'll also touch on Zillow's home price prediction (and why they're more positive than Dave), the floor for mortgage rates in 2026 (will we break into the 5s?), and why buying a new-build could get even better. In This Episode We Cover Zillow's 2026 housing market predictions (prices, rates, rents, and more!) Why housing demand could bounce back (but by how much?) The “kidfluence” and why your seven-year-old really calls the shots when house hunting  One prediction that Dave audibly started laughing at (does anyone believe this?) The rise of “lifestyle” renters and a good trend for real estate investors  Will AI find your next home? Why Zillow is betting on a breakthrough  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1224 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

Will the Housing Market become more affordable in 2026? Should you BUY NOW or WAIT for Lower House Prices? Will we continue to see house prices move lower or will we see the Housing Market go higher as mortgage interest rates decline? Will it be easier as a first time home buyer? Start your stress-free loan journey todayJoin Rate Watch – we'll watch rates for youEmail: info@theeducatedhomebuyer.comConnect with Us

Watch 'The Venezuela Operation' here: https://ept.ms/49I2LA3The United States is facing a housing crisis, and part of this ties into large investors buying up single family homes. President Donald Trump just said this trend is now coming to an end, and he announced that he is now working to stop investment firms from buying more single-family homes.In other news, American now has a new food pyramid, with meat at the top, and with a focus on “real food.”We'll discuss these topics and others, in this episode of Crossroads.Views expressed in this video are opinions of the host and guests, and do not necessarily reflect the views of The Epoch Times.

Housing expert Rick Sharga joins Kathy Fettke to share a data-driven 2026 housing market outlook based on the latest investor sentiment survey. They break down where home prices, mortgage rates, and investor activity may be headed, why more investors are shifting from fix-and-flips to rentals, and whether fears of a housing crash are supported by the data. A realistic, no-hype look at what real estate investors should expect in 2026.

David Trainer calls a push against corporate investors buying homes a "good thing for society," but believes the housing market as a whole will struggle from longstanding headwinds. Companies that can withstand margin pressure are the ones David likes the most. He explains why D.R. Horton is his top stock pick in the housing sector. George Tsilis offers an example options trade for D.R. Horton. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Links & ResourcesFollow us on social media for updates: ⁠⁠⁠Instagram⁠⁠⁠ | ⁠⁠⁠YouTube⁠⁠⁠Check out our recommended tool: ⁠⁠⁠Prop Stream⁠⁠⁠Thank you for listening!

 In this New Year episode of the TNT Business Podcast, KT and Kent Temple break down their 2026 predictions for real estate, mortgage rates, AI, and the broader economy. From the “Great Release” in housing to the rise of AI and why human expertise will matter more than ever, they share what business owners, investors, and professionals should be watching as the year unfolds. 

Real Estate Syndication Investment Overview Michael and Stewart explored the world of real estate syndication and why it has become a practical alternative to traditional property ownership. They explained how 25 to 50 investors can pool their capital to purchase larger properties, giving individuals access to substantial real estate deals without managing the property themselves. Stewart pointed out that although real estate is generally less liquid than stocks, the future looks promising as tokenization grows and could make private deals more accessible within the next few years. Understanding Investment Risks and Rewards Michael and Stewart broke down the complexities of alternative investments, especially in areas like cryptocurrency and innovative financial models. Stewart explained SEC rules for accredited investors and shared that typical syndicate minimums start at $50,000, with $25,000 possible for new investor relationships. They highlighted the potential for recurring cash flow, attractive tax advantages, and average annual returns around 13.5 percent, with a minimum expected return of 6.5 percent in the first year. Real Estate Tax Depreciation Benefits The conversation shifted into tax strategy, where Stewart explained how depreciation and bonus depreciation can significantly impact an investor's bottom line. He described cost recovery, the ability to deduct the cost of an asset over time, and how current tax laws allow for 100 percent bonus depreciation on certain types of personal property. Michael and Stewart emphasized that real estate offers unique tax opportunities through cost segregation, allowing investors to classify a large portion of a property's cost as personal property and deduct it in the first year. Real Estate Investment Tax Benefits and Market Outlook Michael and Stewart emphasized the importance of solid research and guidance from qualified financial professionals when evaluating real estate investments. They discussed how the U.S. economy is heavily tied to real estate and how government incentives often support development. Stewart shared his outlook on the housing market, predicting potential movement in the first half of next year if interest rates ease and new policies, such as down payment support or extended mortgage terms, are introduced. Housing Market and Investment Insights Wrapping up, Michael and Stewart discussed the importance of a balanced housing ecosystem that supports both home ownership and rental opportunities. Stewart encouraged listeners to explore more about their projects at harvardGrace.com and offered a free digital copy of his latest book to help aspiring investors deepen their understanding of real estate investing. Stewart O. Heath, CPA Stewart is the Founder and CEO of Harvard Grace Capital, a private equity real estate investment firm that helps individuals and business owners build wealth faster through hands-off real estate investing that generates passive income, reduces risk, and maximizes tax efficiencies.  Backed by a combined 150+ years of entrepreneurial and CRE experience, Stewart and the Harvard Grace Capital team have raised millions of dollars via syndications, and consistently deliver tax-advantaged 18%+ ROI on well-located commercial real estate assets (office, retail, medical, self-storage, etc.) between Nashville, Tennessee and Birmingham , Alabama.  Harvard Grace Capital stands out in a crowded market because of its focus on stabilized  commercial real estate, which cash flows from day one – a refreshing contrast to high-risk, speculative ventures. Stewart and his team prioritize consistency and resilience in an economy that feels increasingly unpredictable, often reciting their motto: “boring is beautiful.” A Certified Public Accountant (CPA), Stewart brings over 40 years of business experience to the real estate sector. His background spans multifamily and commercial development, construction, management, and investing, but it's his CPA-level financial rigor that gives him an edge in deal analysis and risk mitigation. Stewart's journey has been deeply shaped by his comeback after losing everything in the 2008 financial crisis. Rather than retreating, he rebuilt smarter. He learned how to structure real estate portfolios that provide tax-optimized long-term, reliable returns. That experience now fuels his mission: to help investors navigate uncertain markets with investments that perform through all cycles and beat inflation. More about Stewart:  Served as a COO/CFO across industries including media, manufacturing, and retail; held leadership positions at Tennessee Valley Properties, Creative Trust Ventures, Gaines Manufacturing Company, and more.  Former Board Member of the Freedom Business Alliance, the only global network creating business solutions to human trafficking. Worked as a tax consultant with PwC in the 1980s, creating value or tax savings in the  millions of dollars. Hosted the Growth, Grace & Prosperity Podcast, where he interviewed top entrepreneurs, executives, and wealth builders about what it takes to succeed in business and life. Social media links: Linkedin https://www.linkedin.com/company/harvard-grace-corporation/ Stewart's LinkedIn: https://www.linkedin.com/in/stewartoheath/  Facebook https://www.facebook.com/harvardgrace  

Links & ResourcesFollow us on social media for updates: ⁠⁠⁠Instagram⁠⁠⁠ | ⁠⁠⁠YouTube⁠⁠⁠Check out our recommended tool: ⁠⁠⁠Prop Stream⁠⁠⁠Thank you for listening!

This week on Real Estate Today, we take a close look at what's ahead in 2026: We're talking bold builder incentives designed to attract buyers and the housing markets expected to be in highest demand. Whether you're thinking about buying a home or you're a current homeowner planning for the future, this episode explores what these emerging trends could mean for your next move. We also break down why Florida continues to capture national attention as a housing hot spot. Guests include Dr. Jessica Lautz, deputy chief economist at the National Association of REALTORS®; Robert Dietz, chief economist at the National Association of Home Builders; and Dr. Brad O'Connor, chief economist at Florida REALTORS®. Plus, in our Hot or Not segment, we take a look at home design trends making waves, including animal prints, shiplap walls, wellness and activity zones, and home libraries.

This episode is officially a GOOD NEWS ONLY show, and honestly… there's a lot to be excited about right now. We kick things off talking about how wild it feels to say 2026 out loud, then quickly get into why this year is shaping up to be one of the healthiest real estate markets DFW has seen in a long time. More inventory, more realistic sellers, more options for buyers, and a market that finally feels balanced instead of chaotic.If you've been wondering, “Is this finally a good time to buy?” or “Should we sell now or wait?” — we break down what's actually happening on the ground, without the fear-based headlines or hype.We also talk about:- Why a balanced market is secretly the best market for both buyers and sellers- What today's mortgage rates and potential Fed cuts could mean moving forward- Why investors (including first-timers) are quietly finding solid opportunities again- How rents have stabilized and what that means if you're renting or thinking about buyingAnd because this is DFW, we zoom out a little and talk about the World Cup coming to North Texas and why that's a huge win for the local economy, growth, and long-term real estate outlook.There's also a fun, unexpected detour into business lessons from a visit to Chick-fil-A's headquarters — covering leadership, simplicity, customer trust, and why doing the basics really well still wins.We wrap things up by talking lifestyle: big backyard properties, acreage, dream neighborhoods, and why sometimes the best move isn't out of DFW... it's just to a different part of it.If 2026 is the year you want clarity instead of confusion around real estate, this episode is for you.If you want to sit down for a free, no-pressure real estate strategy session, you can call or text 214-310-0008, or find us online at toddtramonteteam.com.

2026 is finally here! And if you can still read this sentence without seeing double, you've made it!  But this year, things are going to be a little… different. We usually talk about the best places or strategies for buying rentals, but we're going on a bit of a detour to start the year by discussing our real estate resolutions, all of which will actively help us retire early. Want to retire with rentals, too? This is the episode for you, and we're sharing the strategies we're using in 2026 to get there.  Kathy Fettke shares a new way she's optimizing her real estate portfolio, with the goal to increase cash flow by 10% on her current portfolio (not buying more rentals!). Henry takes an opposite approach to most investors, opting not to scale his portfolio and instead doing something much safer. Dave details his “End Game”—the ultimate real estate portfolio for early retirement.  You can copy these experts' strategies in 2026 to retire with rentals, too! In This Episode We Cover How to use AI to optimize your portfolio and find the cash flow blind spots where you're losing potential profits  Stop scaling? Why Henry is making moves to pay off some rentals instead (and whether you should, too) Building your “End Game” portfolio to retire with rentals you actually enjoy owning  The three “buckets” of investing and a sign you've already outgrown yours (it could cost you) Henry and Dave's real goal that has nothing to do with real estate (can you help them out?) And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1221 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 New Year's episode of the REconomy Podcast™, Chief Economist Mark Fleming and Deputy Chief Economist Odeta Kushi offer their “resolutions” for the 2026 housing market. From mortgage rates that may remain above 6 percent to gradual improvements in affordability, inventory, and sales activity, 2026 resolves to trend toward normalization amid a still-solid macroeconomic landscape. Don't miss a single REconomy episode, subscribe today.  

Jenna Stauffer's big idea for 2026 real estate is strong wage growth that will outpace price growth, creating more affordable housing. She discusses the factors besides pricing that are keeping people out of the market, including taxes and other fees. The median age of first-time buyers jumping to 40 means we are in a completely different environment, and she notes that Gen Z is upset about the lag and are finding untraditional methods to enter the market.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

WEBINAR LINK:https://shawnmoore.clickfunnels.com/optiniyvvg89sWant to learn more about Vodyssey or start your STR journey. Book a call here:https://meetings.hubspot.com/vodysseystrategysession/booknow?utm_source=vodysseycom&uuid=80fb7859-b8f4-40d1-a31d-15a5caa687b7FOLLOW US:https://www.facebook.com/share/g/16XJMvMbVo/https://www.instagram.com/vodysseyshawnmoorehttps://www.facebook.com/vodysseyshawnmoore/https://www.linkedin.com/company/str-financial-freedomhttps://www.tiktok.com/@vodysseyshawnmooreCONTACT US:support@vodyssey.comSOURCES:1) https://fred.stlouisfed.org/series/MSPUS2) https://www.freddiemac.com/pmms3) https://www.fool.com/money/research/average-cost-of-a-vacation/#:~:text=The%20average%20cost%20of%20a%20vacation%20is%20projected%20to%20be,trip%20costs%20$925%20per%20day.4) https://www.news-graphic.com/news/national/average-american-spent-over-2-000-on-travel-in-2025/article_44d4f34b-8d2d-5747-9c74-7be416e7883c.html5) https://news.airbnb.com/airbnb-q1-2025-financial-results/6) https://news.airbnb.com/airbnb-q3-2025-financial-results/7) https://www.airdna.co/outlook-report8) https://www.bea.gov/#:~:text=Gross%20Domestic%20Product%2C%203rd%20Quarter,the%20calculation%20of%20GDP%2C%20decreased.Chapters00:00:00 Intro00:04:25 2026 Predictions: Housing Market Insights00:14:15 Travel Trends and Vacation Costs00:20:14 Short-Term Rental Market Dynamics00:32:58 Seasonal Changes and Their Impact00:37:03 Exploring International Short-Term Rentals00:41:39 The Role of AI in Property Management00:50:18 Airbnb's Expansion into Experiences00:58:17 Advice for Building Financial Freedom in 2026

The housing market is showing modest improvement, with pending home sales rising over 3% in November and prices growing just 1.2% year over year. Rising inventory and falling mortgage rates mean affordability is improving, though rates likely need to dip below 6% for demand to really pick up. Also in this episode: The 2026 outlook for oil prices and production, a look at which states are getting a minimum wage increase, and what's going on with AI travel influencers.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

The housing market is showing modest improvement, with pending home sales rising over 3% in November and prices growing just 1.2% year over year. Rising inventory and falling mortgage rates mean affordability is improving, though rates likely need to dip below 6% for demand to really pick up. Also in this episode: The 2026 outlook for oil prices and production, a look at which states are getting a minimum wage increase, and what's going on with AI travel influencers.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

Where is buyer demand showing up in 2025? According to a new report from Zillow, the hottest housing markets this year aren't the usual coastal or Sun Belt favorites — they're affordable Midwestern cities. In this episode of Real Estate News for Investors, Kathy Fettke breaks down Zillow's list of the most popular housing markets of 2025, led by Rockford, Illinois. We look at why buyers are flocking to lower-priced markets with strong job access, fast-moving inventory, and growing out-of-state interest. You'll also hear which cities are topping Zillow's rankings across categories — from large metros and small towns to vacation destinations, college towns, and retirement markets — and what these shifts signal for real estate investors.

Odeta Kushi and Orphe Divounguy analyze the current U.S. housing market, noting that affordability is at its best level in three years. They discuss how wage growth is outpacing housing price growth, contributing to modest improvements in housing affordability. While not forecasting a boom, both anticipate a modest increase in home sales in 2026.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

It's another holiday-shortened trading week, though Kevin Green points to several undercurrents keeping markets active. He talks about Monday's pending home sales report and how it indicates a "thawing" housing market. On the international front, talks between the U.S., Ukraine, and Russia draw crude oil prices and global volatility higher. KG also tackles the metal trade and the danger of a long-term gold and silver downtrend. ======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

The housing market of 2026 is poised for significant changes, and we're providing our 2026 predictions to help you navigate it. We'll cover everything from home sales and home inventory to buyer demand and mortgage lenders, ensuring you're informed. This episode aims to equip potential homebuyers with strategy, considering the broader economy 2026 and current housing market trends, so you can plan your home buying journey effectively. Ready To Become A Homeowner? Start HereJoin Rate Watch – we'll watch rates for youEmail: info@theeducatedhomebuyer.comConnect with Us

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored by CNBC's Jill Schneider. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Links & ResourcesFollow us on social media for updates: ⁠⁠Instagram⁠⁠ | ⁠⁠YouTube⁠⁠Check out our recommended tool: ⁠⁠Prop Stream⁠⁠Thank you for listening!

Links & ResourcesFollow us on social media for updates: ⁠⁠Instagram⁠⁠ | ⁠⁠YouTube⁠⁠Check out our recommended tool: ⁠⁠Prop Stream⁠⁠Thank you for listening!

The housing market correction is well underway, but the story looks very different depending on where you invest. Some markets are cooling gently, others are slipping faster, and a few affordability outliers are still holding up. With new Zillow data in hand, Dave breaks down the major regional patterns, why price growth is slowing almost everywhere, and what today's shifts actually mean for investors buying at the end of 2025 and into 2026. He also looks at markets that may be “oversold” despite strong fundamentals, the places where buyers suddenly have serious leverage, and how rents are diverging sharply from home prices in some metros. We'll even take a look at the data to see where corrections may continue. So, where should you buy? If you want killer deals, are these “oversold” markets prime places for rental property investing, or could they fall even further?   In This Episode We Cover Zillow's newest list of best and worst housing markets of 2026  Where buyers have strong leverage and where demand still holds Markets that have strong fundamentals but major concerns from buyers  What rising or falling rents actually signal for investors Will hot, affordable markets keep their flame burning or freeze like the rest of the US?  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1218 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 episode of the Real Estate Pros podcast, host Michelle Kesil interviews Justin Hughes, the general manager of Share Ventures. They discuss the innovative approach to real estate investment through blockchain technology, specifically focusing on the Shareland platform, which allows users to speculate on housing markets using synthetic assets. Justin explains the testnet phase of the platform, the importance of user experience, and the future goals of Share Ventures, including the integration of AI for market insights. The conversation emphasizes making real estate investing accessible to everyone, regardless of their background in technology or finance.   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   —--------------------

This could be the most encouraging sign for the housing market in years. It's the final month of 2025, and the housing market has flipped from this time last year. Real prices are down, mortgage rates are near a percent lower, inventory is stabilizing, and affordability…it's actually improving. But hints at a wave of underwater mortgages are making people nervous. With the number rising, is this the “distress” signal many have been waiting for? We're getting into it all: home price, mortgage rate, and inventory updates, plus a new seller trend that is causing serious confusion, and could be the final nail in the “housing market crash” coffin. With sellers doing what nobody expects, next year could get interesting. More homeowners are falling “underwater” on their mortgages. Is this a 2008 repeat or just a blip on the real estate radar? Some economists are worried about rising delinquencies, but a high-level view of the data could point to an entirely different conclusion. In This Episode We Cover Sellers do what nobody expects, and it's killing the “crash” narrative Underwater mortgages are surging, but are homeowners really in danger? The best news we've had in three years? A massive win for housing affordability Mortgage rate momentum and whether now is the right time to refinance The key affordability improvements we've seen since the start of 2025 And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Property Manager Finder BiggerPockets Real Estate 1207 - 2026 Mortgage Rate Predictions: This “X Factor” Could Change Everything Redfin Housing Market Data Mortgage Monitor MarketWatch: Nearly 900,000 homeowners are underwater on their mortgage Dave's BiggerPockets Profile Grab Dave's Book, "Real Estate by the Numbers" Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/on-the-market-385 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

Redfin just called it. The housing market will “reset” in 2026…or at least it'll be the start of it. Chen Zhao, Redfin's head of economics research, has 11 predictions she and her team have formulated for the 2026 housing market. A long, slow period of progress could be upon us, as buyers get what they've been asking for: better affordability, a more normal market, and the chance to own where there's work.  But what does this really mean? Will mortgage rates fall? Will home prices drop? We're going through each of the 11 predictions with Chen, discussing prices, rates, rents, refinances, transaction volume, and even how AI could become the “matchmaker” for Americans looking for their first or next property.  Make no mistake, this is good news for many, and could be just the start of a cycle that finally puts average Americans in the position to purchase a home. But, for real estate investors and landlords, there could be another big benefit coming in 2026, one that has a direct impact on your cash flow.  In This Episode We Cover Redfin's 2026 housing market predictions (prices, mortgage rates, and more!) The great “reset” that is coming for the housing market (it's already begun) Rent growth returns? Struggling landlords could get some relief next year The best and worst real estate markets that Redfin is forecasting for 2026  The AI effect on real estate and why more buyers are using bots to find homes  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/rookie-657 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.  Learn more about your ad choices. Visit megaphone.fm/adchoices

This 'Charles Payne's Unstoppable Prosperity Podcast' first aired on October 22th, 2025… Charles is joined by Better.com CEO Vishal Garg to discuss the housing affordability crisis and the challenges faced by first time buyers, as well as Better.com's AI-powered mortgage platform and its potential to lower costs and improve the customer experience. Learn more about your ad choices. Visit podcastchoices.com/adchoices

This could be the most encouraging sign for the housing market in years. It's the final month of 2025, and the housing market has flipped from this time last year. Real prices are down, mortgage rates are near a percent lower, inventory is stabilizing, and affordability…it's actually improving. But hints at a wave of underwater mortgages are making people nervous. With the number rising, is this the “distress” signal many have been waiting for? Welcome to our last housing market update of 2025. We're getting into it all: home price, mortgage rate, and inventory updates, plus a new seller trend that is causing serious confusion, and could be the final nail in the “housing market crash” coffin. With sellers doing what nobody expects, next year could get interesting. More homeowners are falling “underwater” on their mortgages. Is this a 2008 repeat or just a blip on the real estate radar? Some economists are worried about rising delinquencies, but a high-level view of the data could point to an entirely different conclusion. In This Episode We Cover Sellers do what nobody expects, and it's killing the “crash” narrative  Underwater mortgages are surging, but are homeowners really in danger?  The best news we've had in three years? A massive win for housing affordability  Mortgage rate momentum and whether now is the right time to refinance The key affordability improvements we've seen since the start of 2025  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1216 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

Has real estate finally bottomed? Ben Miller, CEO of Fundrise (managing over $7B in real estate), says it's so. And he's not just talking about commercial real estate. If true, one particular type of real estate investment could do exceptionally well over the next year, but most people (even Dave!) are going in a different direction. Where could the next big real estate boom happen? We're getting into it! To continue this prediction season, Ben joins us to walk through a few crucial economic outlooks that could greatly affect the housing market. From AI stunting hiring to inflation actually going down (below 2%!), American wage trends changing dramatically, and the assets that will perform best, we're getting his take as someone who manages billions of dollars in real estate. Want mortgage rates to go down? We need lower inflation, and Ben says there's good news on the horizon for stable prices. New technology adoption could lead to much lower inflation (even deflation in some cases). Could this be what reignites the housing market as mortgage rates react to a more stable economy? Ben gives his full take, with some surprises even Dave wasn't prepared for.  In This Episode We Cover The bottom for real estate prices? Why Ben thinks it's here (or very close) The end of runaway inflation: How AI could kill the concern over rising costs  More Americans making less, and what happens when AI takes tens of millions of jobs  The one type of residential real estate that is poised to perform best in 2026  A new AI tool that could be pivotal for rental property investing research  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1215 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