Podcasts about Hud

Are you seeing a surge in delinquent mortgages, foreclosures, and underwater homeowners across your market? On this episode of The Note Closers Show, host Scott Carson sits down with real estate rockstars Cristina Gaspar and JD Summa, founders of Mr. Short Sale. They dive deep into why modern short sales are popping up—especially among 3% down FHA and VA loans—and how real estate agents and investors can leverage expert short sale processing to save homeowners and close more deals. What You'll Learn in This Episode:The FHA & VA Distress Wave: Why low-down-payment loans combined with post-COVID relief sunsets are creating systemic default issues. Current Short Sale Pricing: Expect lender approvals between 70% to 88% of current market value depending on the investor and property condition. Protecting Agent Commissions: How Mr. Short Sale secures 5%–6% total agent commissions without taking a cut or charging upfront homeowner fees. Navigating Complex Liens: Managing second liens, IRS tax liens, and HUD partial claims without stalling closing timelines. Deficiency Waivers: Why securing a full deficiency judgment waiver upfront is critical to protecting homeowners from future debt collection or surprise tax liabilities. The Agent Academy: How real estate agents can get certified, generate exclusive inventory, and hand off administrative heavy lifting. State Market Breakdown: Why Texas and Florida are seeing heavy short sale activity and how to deal with tough, time-consuming states like New York and California. Key Advice for Homeowners: If you or someone you know is falling behind, do not bury your head in the sand! Time is your greatest asset. A short sale protects your credit far better than a sheriff's sale or foreclosure, letting you reset in as little as 24 months. Stop trying to navigate lender red tape on your own or letting listings stall out. Connect with the team at Mr. Short Sale to streamline negotiations, protect homeowner privacy, and scale your real estate business today! Connect with Mr. Short Sale:Website: www.mrshortsale.netPhone: (914) 504-4074 Instagram: @mrshortsaleWatch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

In a bombshell move with devastating timing for democrats, President Trump orders the declassification and release to America ALL the Crossfire Hurricane documents that prove Obama, Hilary, Comey, Brennan, and so many others conspired to overthrow Trump's first administration. Pay attention to the media silence! Karen Bass steps down from the homeless authority board in Los Angeles that HUD secretary Scott Turner calls a Homeless Industrial Complex scam - days before the feds release the results of a criminal investigation revealing LAs homeless as pawns in a scheme to siphon US taxpayer dollars.  

PODCAST LAS NOTICIAS CON CALLE 15 DE SEPTIEMBRE - Josué Colón en chat inédito daba instrucciones sobre contrato de Power Expectations desde 2025, pero dice que él solo estaba supervisando, no ejecutando - El Nuevo Día Hoy Osvaldo Carlo ante comisión en investigación de Power Expectations - Jay Fonseca PR Gobernadora dice que la culpa es de LUMA, por críticas al zar de energía - El Nuevo DíaZar dice que se ha ido la luz por culpa de LUMA no de Genera en gran parte de las ocasiones - El Nuevo Día  74% de los fondos de HUD obligados desde 2017 siguen sin desembolsar - Primera Hora Se daña la planta de Aguirre 1 y 2, no tenemos energía suficiente - WUNO Irresponsable darle más dinero a los pensionados permanentemente, pero un bonito se le puede dar dice la junta - El Nuevo Día Puertos evalúa poner plantas de Gas Natural en Peñuelas y Guayama, pondrían barcazas, Genera dice que no sabe, NEPR alega no ha sido consultado - El Vocero Gobernadora dice que apagones de fin de semana fueron irresponsables y culparon a LUMA - El Vocero Pablo José dice que hay 1764 millones sin desembolsar, pero se supone que estuvieran ya corriendo - El Nuevo Día En la temporada de huracanes es vital tomar medidas para asegurar nuestra tranquilidad.Si tienes dudas, llama al 787-641-7171 Todos tienen una manera diferente de prepararse para un huracán.Lo importante es que lo hagan.Auspiciado por Universal, en nuestro servicio está la diferencia.#universal #incluyeauspicio El bono a 10 años rompe el 5% por primera vez desde la crisis financieraMega logro en ICF, antes no identificaban a 494 muertos en 10 años, y en 2026 ya han logrado identificar a 208 de 224 muertos - El Vocero Segundo RFP paralizado por Liberty USA (ex-Dominion) y sigue la CEE sin máquinas nuevas para proceso electoral - El Nuevo Día Aprietan hutíes y se quedan con el este de Yemen, futuro del petróleo de Arabia incierto - Reuters Cancelados fondos del Hospital El Maestro, 158 millones dice El Vocero - El Nuevo Día Comienza juicio de Anthonieska Descartan racionamiento por ahora - El Vocero Filtran chat de Josué Colón con otros abogados pidiendo aprobar contrato de Power Expectations - El Nuevo DíaTrump pierde caso y siguen las papeletas por correo, por ahora - NYTEjército fuera de Ponce y Aguadilla; siguen en Roosevelt Roads - El Vocero Presentan medida para darle exención contributiva de 150 mil a pacientes de cáncer, pero creen que la Junta va a detener proyecto - El Vocero Senado federal decide hoy si da o no regulación y estabilidad a cripto - NYT Casi ningún empleado incluyendo federales ahorra, de los 20 mil empleados federales la mayoría no ahorra más de 100 mil - El Vocero La Fed subiría tasas de interés mañanaDanBono de $2,000 en ASUME: $810,800 con fondos federales - PHLOS DATOS DEL DÍA Brent$108.34/barril ▲ 3.6% (máx. 4 meses) Diésel (EEUU, retail)~$5.97/galón (rumbo a récord 2026) S&P 5007,621.54 ▼ 0.46% Dow Jones52,421 ▼ 0.29% Bono 10 años~5.04% ▲ (máx. desde 2007) Euro/USD~1.16 (mínimo desde agosto) Gas natural$2.88/MMBtu ▲ 1.8% Hipoteca 30 años~6.9% (subiendo 3 días seguidos)

Michigan rental property legislation is moving fast, and most of what matters to rental owners is happening in Lansing, not Washington. In this post-primary legislative update, Erika Farley of the Rental Property Owners Association of Michigan breaks down what the August primary results signal about November, which candidates are actually talking about housing, and which bills should worry Michigan rental property owners heading into lame duck and the 2027 session. Rent control, eviction expungement, junk fee rules, and a proposed cap on application fees are all in play. About Erika Farley Erika Farley is the Executive Director of the Rental Property Owners Association of Michigan, where she leads advocacy and lobbying on behalf of the state's rental property owners and housing providers. She works directly with legislators and elected officials in Lansing, tracks housing policy at the local, state, and now federal level, and oversees the association's endorsement and PAC activity. What We Cover in This Episode What the August primary results signal about turnout heading into November The Michigan U.S. Senate race and where the candidates stand on housing Why housing became a top tier campaign issue for both parties What the new federal housing law changes for HUD, Section 8, and construction The Congressional 7th race and what it signals about housing policy direction Rent control risk and why New York City is being used as a policy roadmap RPOAM's position on rent control and new restrictions on rental owners How RPOAM decides which candidates to endorse in a general election What questions go on the RPOAM candidate questionnaire The bipartisan Michigan rezoning package and who is driving it Michigan's new limit on corporate ownership of single family homes The electronic rent payment mandate tied to the state budget deal Eviction expungement legislation and the amendments RPOAM has fought for Junk fee bills and the proposal to cap application fees at $25 The tenant bill of rights package expected to return after January Why lame duck and early 2027 are the real fight for Michigan rental owners Key Insight Erika's read on why the current batch of housing bills is so small: legislators are looking for low hanging fruit they can put on campaign literature and claim they worked on housing. The bills that actually change how you operate, eviction expungement, junk fee disclosure, application fee caps, and a tenant bill of rights package, are being held for lame duck and the session that starts in January. Our words on the current activity: they are nipping at the edges. The real lift comes after the election. Why This Episode Matters If you own rental property in Michigan, the rules you operate under next year are being written right now by people who have never run a rental business. This episode tells you which bills are moving, which races decide who writes them, and where a state association can actually change an outcome. If you have been treating legislative risk as somebody else's problem, this is the episode that shows you the bill. Find Out More Website: https://www.rpoaonline.org Government Affairs and Legislation: https://www.rpoaonline.org/page/legislation Facebook: Rental Property Owners Association of Michigan https://www.facebook.com/RPOAofMichigan/ LinkedIn: Rental Property Owners Association of Michigan https://www.linkedin.com/company/rental-property-owners-association-of-michigan RPOAM in partnership with the Detroit Rental Property Owners Association (DRPOA) is hosting an in person networking event in the Detroit area on October 7. Details: https://www.detroitrpoa.org/event-details-1/detroit-rpoa-real-estate-investor-meetup-1 The Midwest Real Estate Investor Conference returns May 20–21, 2027 in Grand Rapids, MI. Details: https://www.midwestreiconference.com/ And join RPOAM in Grand Rapids for our next Government Affairs Luncheon on November 11 where we'll be taking a post-election look at what Michigan's 2026 results could mean for housing policy, regulation, and advocacy in 2027. Details: https://www.rpoaonline.org/events/EventDetails.aspx?id=2068374&group= Sponsors Today's episode is brought to you by Green Property Management, managing everything from single family homes to apartment complexes in the West Michigan area. https://www.livegreenlocal.com And RCB & Associates, helping Michigan-based real estate investors and small business owners navigate the complex world of health insurance and Medicare benefits. https://www.rcbassociatesllc.com

Michael Pansolini went from PwC and Brookfield to buying mom-and-pop mobile home parks. In this episode, he breaks down why he believes the asset class presents such a compelling opportunity for real estate investors. Michael joins Nate and Tom to explain how his experience underwriting institutional real estate helped him build his own mobile home park portfolio and eventually co-found MHP Pros. They dive into what makes mobile home parks different from traditional multifamily, including lower CapEx requirements, resident-owned homes, standardized HUD-code construction, and the ability to target smaller properties that often fly under the radar of institutional investors. Request a free discovery meeting: go.therealestatecpa.com/mlre Register for FREE access to the 2026 Hall CPA Tax Strategy Summit: www.taxandlegalsummit.com/2026signup Join the Hall CPA Team: go.therealestatecpa.com/team Get the Ultimate Guide for Real Estate Syndications: go.therealestatecpa.com/mlreultimateguide Submit your questions to: go.therealestatecpa.com/question The Major League Real Estate podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, investing, financial, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests. Any mention of third-party vendors, products, or services does not constitute an endorsement or recommendation. You should conduct your own due diligence before engaging with any vendor.

Today Blair discusses how HUD can help homeowners avoid foreclosure and why these liens can impact a future sale or refinance.

Is your private capital sitting on the sidelines making sub-par yields while inflation eats away at your cash balance? Welcome back to The Note Closers Show Podcast as we celebrate a massive milestone—9 years on the air! In today's episode, Scott Carson returns from a three-week trip through Minnesota and Wisconsin to break down a fresh tape of 55 performing hard money loans available for acquisition. Direct from a trusted Texas and Charlotte-based hard money lender looking to recycle capital for new originations, this portfolio offers short-term, double-digit yield opportunities for private note buyers. Scott walks step-by-step through the underlying asset classes, geographical distributions across the East Coast and Texas, and the operational advantages of buying pre-serviced, short-term debt. Scott also discusses the velocity of capital, explaining why leaving funds idle for months erodes net annualized returns and how short-term bridge notes provide a stable cash-flow vehicle while you queue up larger acquisitions. Key Topics Covered:9th Anniversary Milestone: Celebrating nine full years of broadcasting The Note Closers Show Podcast and empowering thousands of note investors nationwide. Tape Breakdown & Pricing Parameters: Evaluating 55 short-term performing hard money loans with principal balances ranging from $53,000 up to $1,000,000. Target Yields & Term Structure: Unpacking annualized interest rates between 10% and 15% with typical loan maturities running 6 to 18 months. Geographic Asset Distribution: Reviewing loan footprints across Alabama, Arkansas, Florida, Georgia, Indiana, Iowa, Louisiana, Michigan, Missouri, North Carolina, New Jersey, New York, Ohio, Oklahoma, Pennsylvania, South Carolina, and Texas. Lender Strategy & Capital Recycling: Why origination lenders sell performing paper at a 1-point funding fee to replenish loan capital for fresh origination demand. Built-in Risk Mitigation & Servicing: The operational benefits of utilizing third-party loan servicers and leveraging hard money lenders' built-in buyer networks in the event of default. Velocity of Capital Mechanics: Calculating real-world net ROI and avoiding drag on uninvested private reserves. Student Success Stories & Market Pipeline: Highlighting recent arbitrage deals, non-performing reverse mortgage acquisitions, and an upcoming pipeline of nearly 700 HUD/non-performing reverse mortgages. Upcoming Educational Masterclasses: Overview of the Virtual Note Buying Workshop (Sept 19–20, 2026) and the live Wholesaling Notes 101 Masterclass (Sept 26, 2026). Stop letting idle capital drag down your portfolio's performance! Take control of your investment velocity, evaluate these short-term performing notes, and keep your dollars generating consistent returns. Ready to review the tape, partner on deals, or get your capital working? Schedule a strategy call directly with Scott at talkwithscottcarson.com or reach out via email at scott@weclosenotes.com! To register for the upcoming Virtual Note Buying Workshop and receive access to the live Wholesaling Notes 101 Masterclass, head over to notebuyingfordummies.com or wholesalingnotes.com. Be sure to subscribe, leave a 5-star review, and share this episode with fellow investors!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Za posledné roky sa Spišská Nová Ves prebojovala až do finále či vyhrala základnú časť, minulá sezóna však dopadla neslávne a vo vedení klubu si dokázali jasne pomenovať, prečo to tak bolo. Generálny manažér Richard Rapáč v novej časti Trefného strieľania nešetril kritikou aj na samého seba. Hovoril aj o akomsi uspokojení sa, finančnej stabilite, marketingu, Júliusovi Hudáčkovi či budúcej sezóne a trhu s hráčmi v extralige.

How do you turn a life shaped by adversity into a legacy of courage, service, and impact? And what can we learn from the people who choose to become better rather than bitter when life gets difficult?In this episode of Productivity Smarts, host Gerald J. Leonard sits down with Sylvia Alvarez, housing advocate, educator, author, and entrepreneur, for a powerful conversation about resilience, family, housing, and standing up for what is right.Sylvia shares the remarkable story of her mother, Cielo, who survived extreme hardship in Cuba, fled to New York with almost nothing, and eventually became a successful entrepreneur and real estate developer. From her mother, Sylvia learned five principles represented by the name Cello: courage, hope, endurance, love, and overcoming.Those lessons shaped Sylvia's own journey. Her connection to housing began when she was just nine years old, translating for her parents as they purchased their first home in Tampa. Years later, she raised $163 million in down payment assistance, helping nearly 13,000 families purchase homes.Sylvia also opens up about the darkest chapter of her career: the 2008 foreclosure crisis. After her agency lost its funding, she made the painful decision to close its doors. Instead, all 14 employees volunteered to stay and help families facing foreclosure. Over eight and a half years without pay, the team helped more than 14,000 Tampa Bay families.The experience eventually led Sylvia to co-author The American Nightmare and speak before government officials at the White House. She explains why speaking truth to power matters and how difficult experiences can build the grit and conviction needed to create change.Gerald and Sylvia also discuss Home Track Online, a HUD-certified housing education program designed to help people understand homeownership, credit, budgeting, and the realities of buying a first home.If you're navigating a difficult season or looking for a reminder that adversity can become a source of purpose, this episode offers a simple message worth carrying with you: Don't be bitter. Be better.What We Discuss[05:00] The extraordinary story of Sylvia's mother, Cielo[06:18] Five principles: courage, hope, endurance, love, and overcoming[09:12] Choosing to become better, not bitter[11:41] Sylvia's journey into housing at age nine[12:48] Helping nearly 13,000 families become homeowners[14:42] The 2008 foreclosure crisis and closing the agency[15:55] Eight and a half years without pay[19:23] Writing The American Nightmare[19:25] Sylvia's invitation to the White House[22:02] Speaking truth to power[22:17] How adversity builds grit and conviction[23:44] Don't be bitter, be better[24:14] Cielo's entrepreneurial determination[26:50] A childhood lesson about fighting injustice[30:50] Continuing her mother's legacy through housing advocacy[31:43] Home Track Online and preventing foreclosure[33:26] Preparing first-time buyers for reality[34:56] Building a legacy that outlives you[36:20] Where to find Sylvia and her resources[36:45] Final thoughtsNotable Quotes[06:18] "C is for courage. She said you have to have courage every day because every day is not going to be an easy day." – Sylvia Alvarez[06:45] "No matter what the problem is, you have to outlive it." – Sylvia Alvarez[09:12] "Instead of getting better, they tend to get bitter. She did the opposite." – Gerald J. Leonard[11:12] "A diamond doesn't shine and sparkle unless it's got friction and polish." – Sylvia Alvarez[15:55] "We helped over 14,000 Tampa Bay area families with our free foreclosure prevention programs." – Sylvia Alvarez[22:02] "When you speak truth to power." – Sylvia Alvarez[23:44] "Don't be bitter. Be better." – Sylvia Alvarez[31:43] "People who work with a HUD certified housing counselor and take a HUD certified class were 35 percent less likely to become a victim of foreclosure." – Sylvia Alvarez[34:19] "You are your mother's child." – Gerald J. LeonardResource and LinksSylvia AlvarezInstagram: Sylvia AlvarezBook: The American Nightmare: Strategies for Preventing, Surviving, and Overcoming ForeclosureHome Track Online: hometrackonline.orgHousing Education Alliance USA: hea-usa.orgProductivity Smarts PodcastWebsite - productivitysmartspodcast.comGerald J. LeonardWebsite - geraldjleonard.comTurnberry Premiere website - turnberrypremiere.comScheduler - vcita.com/v/geraldjleonardKiva is a loan, not a donation, allowing you to cycle your money and create a personal impact worldwide. https://www.kiva.org/lender/topmindshelpingtopmindsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Researchers at USC and UCLA estimate nearly 6,000 unsheltered people live within one mile of LA's 2028 Olympic and Paralympic venues — more than three times the county's own official figure of 1,600. The gap between those numbers isn't a rounding error. It's a decade of institutional failure that Los Angeles can no longer hide behind a press release.Mayor Karen Bass is now being summoned before a House DOGE panel to explain how over a billion dollars in homelessness spending produced a worse count, not a better one. HUD has moved to cut fraud-riddled LA funding. Meanwhile the homeless industrial complex that absorbed all that money offers one answer for everything — more housing — while 49,000 people sleep on county streets and the 2028 clock runs down.San Francisco's Daniel Lurie is demonstrating what results-based accountability actually looks like. Los Angeles is demonstrating what happens when there are no consequences for failure. The Olympics will not let LA keep the cameras pointed away from the encampments.Subscribe to @reasonablenews for daily coverage of the stories the mainstream buries.#NFRP #LosAngeles #LA2028GO PREMIUM WITH REASONABLE+ FOR UNCENSORED ACCESS

Programa #719 - Plan de Inmersiones 00,05'36” Esta noche en AOLDE, recibimos a Tanner Cheek, fundador y presidente de RHEO Dive, empresa de tecnología submarina con sede en Nueva York que ha desarrollado la primera máscara de buceo inteligente patentada del mundo con HUD integrado —FlowSight, lo llaman— y rastreo GPS/GNSS en superficie. 00,30'25” MIS AMIGOS LOS PECES, tendremos una nueva cita con Inés García, bióloga marina de la escuela de buceo ZOEA de Madrid, con ese fondo marino que ella convierte en vecindario reconocible. 00,50'56” ENCUENTROS EN LA IIIª FASE, charlamos con el maestro Ramón Verdaguer, que abre esa ventana reflexiva al mundo subacuático que lleva tiempo siendo uno de los rincones más queridos del programa. 01,21'45” LA CONJURA DE LOS PECIOS, Lucas Sáez, de patrimoniosubacuatico.net, porque hay historia bajo el agua que merece ser contada en voz alta, y Lucas sabe hacerlo como nadie. 01,44'43” Y en PSICOLOGÍA DEL BUCEO, el instructor de buceo y psicólogo, Toni Bermejo, nos recuerda que la inmersión más exigente a veces no es la más profunda sino la más interior. Y con los micro-espacios habituales del programa —esta noche, «20.000 leguas de viaje submarino» de Jules Verne, capítulo XVII, y el repaso a los viejos programas de Al Otro Lado del Espejo ya emitidos, y la agenda de propuestas para pasar el tiempo en superficie hasta una nueva inmersión en las ondas—, nos daremos, una noche más, por buceados. La Foto de la Semana "Abre la boca como quien abre los brazos. Sin dientes. Sin amenaza. Solo ese abismo gentil que traga océano entero para quedarse con lo más pequeño. Arriba, su reflejo ondea en el espejo del agua como si el mar quisiera verse a sí mismo desde dentro. El mayor pez del mundo filtra. No devora. Hay una lección enorme en esa boca enorme: que la grandeza verdadera no muerde. Se alimenta de lo minúsculo y lo convierte en maravilla."— Rol Freeman | Director, AOLDE RADIO Fotografía: Dani Grau — Unsplash Sonaron en este programa: 00,00'09” — David Arkenston - Papillon - Sintonía 00,05'36” — Lizzy McAlpine - Ugly things 00,30'25” — Maryann Camilleri - Look to the Sea 00,50'56” — 'Nosedive' - Man Woman Chainsaw 01,21'45” — Beabadoobee - Beaches 01,44'43” — Wallflower - Dominic Fike 02,11'52” — Paul J. Smith - Main Title (Captain Nemo's Theme) 02,12'10” — Khatia Buniatishvili - Tchaikovsky_ Piano Concerto No. 1, Mov. 1 02,33'58” — Jorja Smith - Alive (con Wizkid) 02,37'54” — Saxon - Dallas 02,44'58” — Hay Peores - Bajo El Mar (Cover de Under The Sea de La Sirenita) Sintonía * Este contenido ha sido generado usando, parcialmente, inteligencia artificial, pero sobre todo, mucha inteligencia emocional.

Agradece a este podcast tantas horas de entretenimiento y disfruta de episodios exclusivos como éste. ¡Apóyale en iVoox! Exfrancotirador del Ejército de EE. UU., piloto y fundador de RHEO Dive, nos cuenta cómo nació FlowSight: una máscara de buceo con HUD integrado y GPS/GNSS en superficie que muestra profundidad, tiempo, rumbo y descompresión sin apartar la vista del entorno. Ingeniería, seguridad y una historia personal fascinante, en Al Otro Lado del Espejo. #RheoDive #FlowSight #Buceo #TecnologíaSubmarina #HUD #Innovación #ScubaDiving #DiveTech #AOLDERADIO #AlOtroLadoDelEspejo #AOLDEMarEscucha este episodio completo y accede a todo el contenido exclusivo de Podcast Al otro lado del espejo. Descubre antes que nadie los nuevos episodios, y participa en la comunidad exclusiva de oyentes en https://go.ivoox.com/sq/35826

San Francisco Mayor Daniel Lurie is pulling the plug on the city's $500 million blank-check system for homeless nonprofits — and the homeless industrial complex isn't happy about it. The new outcomes-based model ties funding directly to results: organizations that can't actually move people off the street lose their contracts. It's the most sweeping accountability overhaul in the city's homelessness history, and it's long overdue.This is what happens when voters get tired of spending a billion dollars a year and watching tent cities multiply anyway. Lurie beat incumbent London Breed on a moderate platform and he's delivering — SF just recorded an 85% drop in visible homelessness. The housing-first ideology that promised unaccountable permanent supportive housing was the answer is getting its reckoning, and the numbers don't lie.Predictably, the NGO lobby is already lawyering up. When you've built a comfortable institution on city money with zero accountability for outcomes, "outcomes-based funding" sounds like an existential threat — because it is. The fact that it took this long to implement basic performance standards tells you everything about how entrenched the homeless industrial complex really is.The national picture is shifting too: voters city after city are electing moderates willing to enforce standards, and even federal HUD is being pushed toward reform. Common sense is making a comeback. Subscribe to @reasonablenews and hit the notification bell so you never miss an episode.CHAPTERS0:00 San Francisco to overhaul $500M in…1:48 SF Overhauls $500M Homeless Contracts2:26 How Daniel Lurie Flipped San Francisco4:51 Lurie Ends Blank Checks for Nonprofits7:55 Housing-First Policy's Failure in SF9:40 Viral Video Exposes Berkeley Homeless…11:40 NGO Lawsuits Block Homeless Camp…12:18 San Francisco Homelessness Down 85%14:13 Tech Bosses Funded SF's Political Revolt16:25 Judge Blocks HUD Homelessness Overhaul19:00 Why Progressive Cities Resist Reform21:34 How Progressive Homeless Policy Went…#NFRP #SanFrancisco #DanielLurieGO PREMIUM WITH REASONABLE+ FOR UNCENSORED ACCESS

More than 100 community-based fair housing organizations facing potential funding cuts received a reprieve after a federal judge in Massachusetts blocked HUD's FY2025 funding overhaul and ordered the agency to distribute funds under the prior year's framework, averting the risk of closures or sharply reduced services nationwide. Robbie interviews Two Dots' Henson Orser on the wave of innovative tech products and vendors flooding the mortgage market. And while Warsh's hawkish rhetoric has pushed September hike odds above 50 percent, the Fed's likely hold amid disinflation contrasts with a Treasury market increasingly pricing a structurally higher-rate regime, as weakening consumer fundamentals, elevated long-term yields, and a prolonged 30-year yield above 5 percent create a bearish backdrop for long-duration bonds.Thanks to Zillow Home Loans, Zillow's in-house mortgage lender, for sponsoring this week's podcasts. By integrating Zillow's real estate platform with financing, Zillow Home Loans helps buyers move from dreaming about a home to holding the keys. With tools built for modern lending, Zillow Home Loan's loan officers can focus on guiding buyers with care and confidence. Zillow Home Loans is an equal housing lender. NMLS #10287.The Chrisman Commentary is 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.

Chloe, the heart and hands behind Massage Artz at the Oasis, joins Kendall Scudder to share the personal story behind building her massage therapy business. Inspired by her entrepreneur parents and driven by a passion for helping others, Chloe talks about the difficult period that forced her to rethink work and family life, how HUD housing provided stability when she needed it, and how she eventually turned her experience into her own growing practice.  She and Kendall also get into the everyday costs facing working Texans, parenting, toll roads, business ownership, and, somehow, Chloe's fear of E.T.  Pod Bless Texas: www.podblesstexas.com Follow Kendall Scudder: @kendallscudder

The Trump administration and Federal Reserve have withdrawn support for 2022 guidance encouraging special purpose credit programs designed to expand access to mortgages and other credit. The change comes as Census data show Black homeownership at 44%, compared with 75% for non-Hispanic white households. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Manufactured housing gets harder to buy in California, and that is exactly why "Ali" Nasir Ali stays there. Ali is the managing director of Rise360 Ventures, a former commercial appraiser, and the second generation of his family in manufactured housing. He joins the Alternative Investing Advantage podcast with host Alex Perny to explain how rent control, vacancy decontrol, and aging infrastructure are priced into a deal rather than ruling it out.Key Points:- Regulation reduces competition. Ali argues that because most California investors want to buy out of state and most out-of-state buyers avoid California, the difficulty itself leaves more deals available to whoever stays.- Rent control ordinances can cut both ways. He describes a Southern California ordinance containing a phrase entitling an owner to an 8 percent cap on investment, which an operator spent close to two years leveraging into a substantial lot rent increase.- Vacancy decontrol is the harder constraint. In at least three California cities, an owner cannot raise lot rent to market even after a lot goes vacant, and must instead scale from the historical rent.- Park-owned homes mix two different asset types. A home in a community is personal property that depreciates like a car, so blending that income with land income creates a valuation problem, which is why Ali keeps homes in a separate entity.- Occupancy is his filter. He looks for communities around 30 to 50 percent occupied, ideally about half full, with at least 50 units or a cluster of smaller properties close enough to share management.Chapters:00:00 Introduction: manufactured housing in regulated markets01:47 Eight generations in real estate and 45 years in manufactured housing04:26 Why building new communities rarely works out08:01 Overcoming the stigma around manufactured housing11:21 What due diligence looks like in California16:14 Rent control and vacancy decontrol explained26:20 Financing and why capital is flowing into the asset class29:30 Park-owned homes versus renting the dirt37:30 What Ali looks for in a community43:08 Trailers, mobile homes, and the 1976 HUD code49:59 Underground utilities and water risk55:19 Why the heavy lift comes first59:35 How to connect with Nasir AliSubscribe to our YouTube channel and join our growing community for new videos every week.If you are interested in being a podcast guest speaker or have questions, contact us at Podcast@AdvantaIRA.com.Learn more about our guest, "Ali" Nasir Ali: https://rise360ventures.com/Learn more about Advanta IRA: https://www.AdvantaIRA.com/ https://podcasters.spotify.com/pod/show/advanta-ira https://www.linkedin.com/company/Advanta-IRA/ https://twitter.com/AdvantaIRA https://www.facebook.com/AdvantaIRA/ https://www.instagram.com/AdvantaIRA/#ManufacturedHousing #SelfDirectedIRA

Z volieb sa nám stala Superstar, no niektorí politici by radšej mali byť len influencermi. Napríklad taký Richard Glück by sa tým možno uživil lepšie ako v Smere, hovorí komik Tomáš Hudák. Prečo sa nikto v miestnosti nesmeje na návrhoch Lukáša Machalu? Hudákov román Amerikáni sa drží na popredných priečkach predajnosti a podľa autora je aktuálny aj preto, že aj dnes mladých Slovákov viaceré faktory vyháňajú do zahraničia. Najhoršie je, keď sa vrátia a potom ich donútime odísť znova, lebo ich zo západu donesené vedomosti a novoty tu zhadzujeme a tvárime sa ako keby sme na Slovensku mali najlepší recept na život.V podcaste s Tomášom Hudákom sa dozviete:– od 1. minúty – že Martinu Šimkovičovú poznal ako kolegyňu a už vtedy mala zvláštne prejavy a nechuť ísť do hĺbky;– po 3:00 – či sa ministerka kultúry za seba hanbí;– od 4:45 – že útek šéfa FPÚ je detská reakcia nekompetentného človeka;– po 7:00 – že reči ministerky o Beethovenovej sú nezmyselné;– od 8:10 – či je populárne robiť zle a nehanbiť sa za to;– po 9:30 – že politici sa správajú ako influenceri, aj keď platíme ich za niečo iné;– od 11:00 – ako sa Martina Flašíková nezastáva svojich ľudí a správa sa ako Machalova podriadená;– po 12:00 – prečo sa nikto nesmeje na rečiach Lukáša Machalu;– od 14:00 – ako na FPÚ panuje atmosféra strachu a pomsty;– po 15:45 – že FPÚ rozdeľuje smiešne malý balík peňazí, a v skutočnosti ide o to robiť ľuďom zle;– od 19:00 – ktorí politici sú najsmiešnejší;– po 20:00 – ako si politici neuvedomujú svojú vlastnú malosť;– od 21:30 – či by mali politici odhaľovať svoju vlastnú hlúposť;– po 23:00 – že z volieb sa stala Superstar, no taký Richard Glück by mal byť len influencerom;– od 26:00 – či by politické strany mali mať svojich komikov;– po 27:45 – že autoritárske režimy rušia humoristov, ale u nás sú najlepším zrkadlom politiky;– od 30:00 – ako STVR zrejme nenájde tvorcov satiry, lebo humor musí byť slobodný;– po 31:00 – prečo televízie nemajú chuť robiť satiru a internet je džungľa;– od 32:00 – ako v satirickej relácii v rozhlase nehovoril všetko, čo sa mu zachcelo;– po 34:00 – ako STVR nevie predať storočnicu rozhlasu a 70. výročie televízie;– od 38:30 – že naša generácia sa rozhoduje o tom, či emigrovať zo Slovenska podobne ako naši predkovia Amerikáni;– po 40:00 – že by sme mali prestať byť zahladení do seba;– od 41:00 – ako slovenskí Amerikáni, ktorí sa vrátili, boli nositeľmi progresu;– po 42:00 – ako naspäť na dedine sa cítili vykonerení a podobná vec sa deje aj teraz;– od 43:00 – že keď nám mladí ľudia, ktorí sa vrátli zo zahraničia, odídu druhýkrát, tak sme ich už úplne stratili;– po 45:00 – že slovenskí migranti v USA boli tiež kriminálnici;– od 48:00 – že na myšlienke, že na Slovensku vieme všetko najlepšie, niečo nehrá;– po 49:00 – kde môžu ľudia vidieť Tomáša Hudáka a jeho tvorbu.

Z volieb sa nám stala Superstar, no niektorí politici by radšej mali byť len influencermi. Napríklad taký Richard Glück by sa tým možno uživil lepšie ako v Smere, hovorí komik Tomáš Hudák. Prečo sa nikto v miestnosti nesmeje na návrhoch Lukáša Machalu? Hudákov román Amerikáni sa drží na popredných priečkach predajnosti a podľa autora je aktuálny aj preto, že aj dnes mladých Slovákov viaceré faktory vyháňajú do zahraničia. Najhoršie je, keď sa vrátia a potom ich donútime odísť znova, lebo ich zo západu donesené vedomosti a novoty tu zhadzujeme a tvárime sa ako keby sme na Slovensku mali najlepší recept na život.V podcaste s Tomášom Hudákom sa dozviete:– od 1. minúty – že Martinu Šimkovičovú poznal ako kolegyňu a už vtedy mala zvláštne prejavy a nechuť ísť do hĺbky;– po 3:00 – či sa ministerka kultúry za seba hanbí;– od 4:45 – že útek šéfa FPÚ je detská reakcia nekompetentného človeka;– po 7:00 – že reči ministerky o Beethovenovej sú nezmyselné;– od 8:10 – či je populárne robiť zle a nehanbiť sa za to;– po 9:30 – že politici sa správajú ako influenceri, aj keď platíme ich za niečo iné;– od 11:00 – ako sa Martina Flašíková nezastáva svojich ľudí a správa sa ako Machalova podriadená;– po 12:00 – prečo sa nikto nesmeje na rečiach Lukáša Machalu;– od 14:00 – ako na FPÚ panuje atmosféra strachu a pomsty;– po 15:45 – že FPÚ rozdeľuje smiešne malý balík peňazí, a v skutočnosti ide o to robiť ľuďom zle;– od 19:00 – ktorí politici sú najsmiešnejší;– po 20:00 – ako si politici neuvedomujú svojú vlastnú malosť;– od 21:30 – či by mali politici odhaľovať svoju vlastnú hlúposť;– po 23:00 – že z volieb sa stala Superstar, no taký Richard Glück by mal byť len influencerom;– od 26:00 – či by politické strany mali mať svojich komikov;– po 27:45 – že autoritárske režimy rušia humoristov, ale u nás sú najlepším zrkadlom politiky;– od 30:00 – ako STVR zrejme nenájde tvorcov satiry, lebo humor musí byť slobodný;– po 31:00 – prečo televízie nemajú chuť robiť satiru a internet je džungľa;– od 32:00 – ako v satirickej relácii v rozhlase nehovoril všetko, čo sa mu zachcelo;– po 34:00 – ako STVR nevie predať storočnicu rozhlasu a 70. výročie televízie;– od 38:30 – že naša generácia sa rozhoduje o tom, či emigrovať zo Slovenska podobne ako naši predkovia Amerikáni;– po 40:00 – že by sme mali prestať byť zahladení do seba;– od 41:00 – ako slovenskí Amerikáni, ktorí sa vrátili, boli nositeľmi progresu;– po 42:00 – ako naspäť na dedine sa cítili vykonerení a podobná vec sa deje aj teraz;– od 43:00 – že keď nám mladí ľudia, ktorí sa vrátli zo zahraničia, odídu druhýkrát, tak sme ich už úplne stratili;– po 45:00 – že slovenskí migranti v USA boli tiež kriminálnici;– od 48:00 – že na myšlienke, že na Slovensku vieme všetko najlepšie, niečo nehrá;– po 49:00 – kde môžu ľudia vidieť Tomáša Hudáka a jeho tvorbu.

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

What if the biggest obstacle to building wealth wasn't your income, your time, or even your circumstances, but simply believing it was possible for someone like you? Today's guest made the decision that her past won't be her children's future. Real estate made that choice possible!  Welcome back to the Real Estate Rookie podcast! Angela Wassom is proof that real estate really can be for anyone that puts their mind to it. While working full-time and raising seven kids, she's built a 20-unit portfolio across four states—starting with a rental she was genuinely afraid to take on. Angela breaks down how she built a team in markets she'd never set foot in, spotted a listing mistake that turned into a five-figure win, and used one financing strategy to fund nearly every deal since!  She also shares the story of a lender who finally said yes after everyone else said no, and the tenant placement that brought her whole journey full circle. By the end of this episode, you'll see exactly how much is possible with the time and resources you already have! In This Episode We Cover How growing up in HUD housing shaped Angela's mindset of becoming a landlord Building a remote investing team in markets you'll never set foot in The MLS listing mistake that turned into a $10,000 repair windfall How a HELOC strategy has funded nearly every deal for Angela  Why every lender said no to Angela's newest short-term rental, until one didn't (and why it was so worth it!)  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠t⁠⁠tps://www.biggerpockets.com/blog/rookie-761. 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

Congress passed a major bipartisan housing bill, and Robert has three daughters renting apartments, so this one is personal. This week, Robert and Adam are joined by Nicole Upano, AVP of Housing Policy and Regulatory Affairs, and George Ratiu, VP of Research, both at the National Apartment Association, to unpack what the 21st Century ROAD to Housing Act does for Americans everywhere, and what comes next. From single-stairway buildings and inspection parity to opportunity zone updates, manufactured housing reform, and the role of private capital, they walk through a once-in-a-generation piece of legislation, and what implementation looks like across Treasury, HUD, FHFA, USDA, and beyond. They also flag what didn't make it in, and why the real work is just beginning.Thank you to Allocore for sponsoring this episode.Show Notes:NAA: Road to Housing Live Resources PageCongress: 21st Century ROAD to Housing Act (H.R. 6644)Senate Banking Committee: Myth vs. Fact: ROAD to Housing ActWhite House: Statement of Administration Policy — H.R. 6644Treasury: Debt to the PennyPolitico: AI Slop Is Flooding Congress's Legislative Drafting OfficeEvents on the GovNavigators' Radar:August 26-27th: AFCEA INSA National Security Summit — Bethesda, MDAugust 27th: Merit Talks: Generative AI and the New Federal WorkflowSeptember 15th: Data Foundation GovDataX: George Washington University

Add the employees at the Agriculture Department's Rural Development Agency to the growing list of successful feds who have won grievances before an arbitrator after losing their remote work and telework rights. Arbitrator Margaret Donaghy ruled Wednesday in favor of RDA employees represented by the American Federation of State, City and Municipal Employees. The union filed a grievance when USDA ended teleworking and remote work agreements without bargaining in April 2025. Donaghy ordered USDA to restore the telework and remote work arrangements and make the employees whole by paying any travel expenses, compensation or credit for additional hours worked. Suzanne Summerlin, the attorney representing the employees, says this is the fifth arbitration award won by employees in recent months with similar awards issued at the Forest Service, HUD, the IRS, and SSA.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The broader “follow the money” theme is hard to ignore: U.S. national debt has surpassed $40 trillion while lawmakers are questioning whether a significantly downsized HUD has enough capacity to implement the new housing law, highlighting the growing gap between Washington's ambitious policy goals and the government's ability to execute them. Robbie interviews Renovo Financial's James Gaskin on why relationship-driven lending Is winning in a volatile housing market. And we close with why the Treasury announced larger buybacks that could provide “Operation Twist”-like support for longer-dated bonds.Thank you to JazzX, the first true end-to-end AI platform built for mortgage. From application to close, JazzX is a new operating model that helps you scale growth, boost productivity, and transform how your team performs.The Chrisman Commentary is 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.

ABC takes the Trump administration to federal court over threats to block TV licenses; HUD funding lags could hit rural Wisconsin the hardest; Election security concerns growing among Kentucky voters; Summit to confront Big Tobacco's exploitation of Black communities.

Guest host Linda Kearns fills in for Dawn Stensland and opens Monday with producer Andrew Tar, reacting to morning show host Nick Kayal's wild confession about skipping hand washing at the station. We honor the 49th anniversary of Elvis Presley's death, discussing his massive cultural legacy, his family's fight to secure his estate, and Andrew's own wedding anniversary connection to the King of Rock and Roll. Plus, we check in on the severe tropical weather impacting Hawaii and look ahead to a full lineup of special guests coming up this week on The Dawn Show. We welcome Joe DeFeliz, Regional Administrator and Assistant Deputy Secretary for the U.S. Department of Housing and Urban Development. Joe breaks down HUD's new Opportunity Zones 2.0 initiative, explaining how the program incentivizes private capital to revitalize rural and distressed communities without relying on government handouts. He reflects on his travels through rural Pennsylvania, West Virginia, and New Jersey, and we pivot to talk local Philadelphia favorites—from the evolving city cheesesteak scene to massive expectations for the Phillies, Eagles, Sixers, and Flyers. Linda dives deep into election data to set the record straight on the widely hyped Amish vote in Pennsylvania from the 2024 election. Using data from Elizabethtown College, we examine the real numbers behind registration and turnout in Lancaster County to demonstrate why voters need to be critical consumers of social media claims. We wrap up by reminding listeners how to find the station's weekend programming on the Odyssey platform and getting ready to pass the mic over for Dom Time.

This week on HECM World Weekly, Gabrielle Hayen looks at a series of connected stories reshaping the retirement and home-equity landscape. U.S. mortgage-holder equity has reached a record $18 trillion, even as homeowners continue to move less and stay in their properties for longer. At the same time, home equity investment companies are expanding, policymakers are looking at the cost of aging in place, millions of older Americans are still working, and new retirement-income benchmarks raise an important question: how well does the income retirees actually have align with the lifestyle they expect to maintain? We also cover HUD's revived $465 million HECM loan sale and what it means for the reverse mortgage market. In this episode: Why record housing wealth matters more in a stay-put economy What the latest home-sales data says about homeowner mobility How HEIs are scaling and competing for home-equity access Why reverse mortgage professionals may need to compete on education, not simplicity The growing cost of aging in place Why more seniors are working longer What different retirement-income tiers look like in practice The latest on HUD's HECM loan sale The bigger theme: as more wealth sits inside homes that people increasingly want to keep, housing equity is becoming harder to separate from the broader retirement-planning conversation. Read the full HECM World Weekly article here: https://hecmworld.com/2026/08/14/hecm-world-weekly-record-equity-meets-the-great-stay-as-heis-scale-and-retirement-costs-rise/ Subscribe to HECM World for the latest reverse mortgage, housing, retirement and home-equity insights.  

Thursday, August 13, 2026 Today, mixed results in the August 11th primary elections hand wins to both progressive and establishment Dems as some Trump-backed candidates falter; Jeanine Pirro has convened a special grand jury in DC; the Trump administration is set to spend nearly a billion dollars on the Emotional Support Ballroom; ICE plans to buy gloves for agents that deliver electric shocks; the Kennedy Center has been ordered to pay $250,000 in legal fees to an artist that opposed the name change; plus Allison and Dana deliver your Good News. Thank You, Fast Growing Trees Get 20% off your first purchase  FastGrowingTrees.com/dailybeans Thank You OneSkin Get 15% off OneSkin with the code DAILYBEANS at  https://www.oneskin.co/dailybeans #oneskinpod #ad The Trump Epstein Memorial Bookmobile The Daily Beans is proud to partner with Miles Taylor and our friends at DEFIANCE.org For a limited time, members of the Daily Beans community can receive a FREE 3-month full membership to DEFIANCE.org and gain access to one of the fastest-growing pro-democracy movements in America. Join here: https://www.defiance.org/beans Diamond Dames - Subscribe here: https://youtube.com/playlist?list=PLdw5wpZniLeg&si=YB1KlvnjmA4CxxV3https://diamond-dames.simplecast.com/ Guest: Demetria McCain Director at Policy Legal Defense Fund - Legal Defense FundElection Info | Legal Defense FundElection Protection, Phone: 866 OUR-VOTE The Latest Breakdown→ NEW: Judge Orders Todd Blanche to Explain Epstein Redactions in Open Court StoriesFour takeaways from Tuesday's primaries in six states | NPR AP report: ICE plans to give its officers gloves that can deliver painful electric shocks | PBS News Trump administration set to spend at least $900 million on White House construction | The Washington Post Pirro, in rare move, convenes special grand jury in Washington | Washington Post Kennedy Center ordered to pay legal fees for Chuck Redd after judge tosses suit | The Washington Post Good TroubleTake IACCtion: Comment on the IACC Strategic Plan!Autism research is getting scary. What can we do? - YouTube →Friday August 28 in DC March On Washington 2026 -marchonwashington2026.com Check your voter registration and deadlines → Voter Registration Deadlines - Vote.org →Blue Wave California- secure.actblue.com/donate/msw-bwc →Helpline Orientation- Spanish Speakers Needed! · VoteRiders →Help save Texas from Ken Paxton! →NO HATE in WA State →Stand With Minnesota →iceout.org Good NewsProject Night Night LifeLine Animal Project Kristi for Congress TN-01 - YouTube danismart.substack.com - yes-we-all-want-to-protect-girls, NO HATE in WA State Oct 9 -Southwest Funny Fest:Dana Goldberg's Southwest FunnyFest - City of Albuquerque -Email Dana@DanaGoldberg.com for sponsorship informationTickets for Dana Goldberg: Outrageous - Sep 23 - Den Theater - Chicago  →Share your Good News & Good Trouble - The Daily Beans →Beans Talk audio -beans-talk.simplecast.com Subscribe to the MSW on YouTube - MSW Media - YouTube Our Donation Links The Trevor Project - trevorproject.org/beans Blue Wave California - ActBlue.com/donate/msw-bwc Donate to Public Citizen - https://citizen.org/beans/ Donate to It Gets Better / The Daily Beans Fundraiser Pathways to Citizenship - boomerang - pathways  Dana and The Daily Beans support of Human Rights Campaign ONE CAUSE HRC The Daily Beans supports It Gets BetterNational Security Counselors - Donate, WhistleblowerAid.org/beans Dr. Allison Gill - The Breakdown | Allison Gill, Mueller, She Wrote @muellershewrote.com - Bluesky, MSW & The Daily Beans Podcast @muellershewrote - Instagram, MSW Media - YouTube →Federal workers email AG - fedoath@pm.me Dana Goldberg - Dana is on Patreon! At Dana's Dugout, @dgcomedy - Bluesky, @dgcomedy - IG, Dana Goldberg - Facebook,  DanaGoldberg.com More from MSW Media - Shows, Cleanup On Aisle 45 pod, The Breakdown | Allison Gill Reminder - you can see the pod pics if you become a Patron. The good news pics are at the bottom of the show notes of each Patreon episode! That's just one of the perks of subscribing! patreon.com/muellershewrote Listener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:https://apple.co/3XNx7ckWant to support the show and get it ad-free and early?https://patreon.com/thedailybeanshttps://dailybeans.supercast.com/https://apple.co/3UKzKt0 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Karoline Leavitt is leaving as WH Press Secretary. She'll still be in Trump's orbit as an advisor, but the daily death matches w/ the "Free Press" are over. Elsewhere, a Federal judge just ordered HUD to keep pouring hundreds of millions of taxpayer $ down the homeless rathole known as the Los Angeles Homeless Services Authority. Because when an agency has a decade-long rap sheet of fraud, conflict-of-interest scandals, and zero results, the only logical move is… more money!  

On this episode of Zen and the Art of Real Estate Investing, Jonathan Greene sits down with Cheryl Scheidell, a reverse mortgage specialist with Barrett Financial Group, for an in-depth conversation about one of the most misunderstood financial tools available to homeowners. Cheryl explains how reverse mortgages have evolved over the years, who they are designed to help, and why they can play an important role in retirement planning, wealth preservation, and helping seniors age in place with greater financial security. Jonathan and Cheryl break down exactly how reverse mortgages work, separating common misconceptions from reality. Cheryl explains why borrowers are no longer required to make monthly mortgage payments, how equity is accessed responsibly, and why modern safeguards, including HUD counseling, have made today's Home Equity Conversion Mortgage (HECM) program much different from the products that earned a negative reputation years ago. They also discuss how reverse mortgages can be used to purchase homes, refinance existing loans, or even preserve low-interest first mortgages through second-position products. The conversation also explores the importance of family communication around financial planning. Jonathan and Cheryl discuss why adult children should be included in these conversations, how reverse mortgages can reduce the financial burden on families caring for aging parents, and why proactive estate planning often prevents unnecessary conflict later. They also explain how reverse mortgages can help pay for home modifications, in-home care, assisted living expenses, or simply allow retirees to enjoy the wealth they have spent decades building. Ultimately, this episode highlights the value of education over assumptions. Rather than viewing reverse mortgages as a last resort, Jonathan and Cheryl encourage listeners to understand them as one potential financial planning tool that, when used appropriately, can improve cash flow, preserve retirement assets, and create greater peace of mind for both homeowners and their families. In this episode, you will hear: How reverse mortgages work and why today's programs differ from outdated perceptions Why reverse mortgages can improve cash flow while allowing seniors to remain in their homes How reverse mortgages can help fund home modifications, healthcare, and retirement expenses Why involving adult children in financial planning conversations benefits the entire family How Home Equity Conversion Mortgages (HECMs) include consumer protections and required counseling Why reverse mortgages can serve as a valuable wealth preservation and retirement planning tool when used appropriately Follow and Review If you enjoy the show, please follow Zen and the Art of Real Estate Investing on Apple Podcasts and leave a rating and review. It helps other listeners discover the show and supports its continued growth. Supporting Resources Connect with Cheryl: Website - reversemortgageandbeyond.com  YouTube - @reversemortgageandbeyond  Facebook - https://www.facebook.com/ReverseMortgageLoanOfficer/  Instagram - reversemortgageandbeyond  LinkedIn - linkedin.com/in/cherylscheidell  Email - cheryls@barrettfinancial.com  Cell - (480) 817-4324 Connect with Jonathan: Podcast - www.zenandtheartofrealestateinvesting.com YouTube - www.youtube.com/JonathanGreenere Instagram - www.instagram.com/zenrealestateinvesting Instagram - www.instagram.com/trustgreene Bigger Pockets - www.biggerpockets.com/users/TrustGreene Facebook - www.facebook.com/zenandtheartofrealestateinvesting Jonathan's Hub Site - www.trustgreene.com Brokerage - https://www.streamlined.properties This episode was produced by Outlier Audio.    

In Bonus Episode 34 of The Alan Sanders Show, Alan breaks down the escalating debate over men competing in the WNBA as former NBA players declare for the women's draft amid transgender athlete policy discussions and fair play concerns. He examines how the Democratic Socialists of America continue fracturing the Democratic National Committee through aggressive primary challenges and ideological battles that deepen party divisions. Alan also covers HUD's renewed focus on stewardship, prioritizing measurable results and taxpayer accountability over unchecked spending. Finally, he highlights the latest ICE raids targeting criminal illegal aliens in major operations nationwide, underscoring efforts to restore public safety and enforce immigration law. Straight talk on the stories that matter. Please take a moment to rate and review the show and then share the episode on social media. You can find me on Facebook, X, Instagram, GETTR, TRUTH Social, TikTok, YouTube and Rumble by searching for The Alan Sanders Show. And, consider becoming a sponsor of the show by visiting my Patreon page!

Today's NPC Prompts were: Cyberpunk, Squirrel, Escaped Cyborg Experiment, Integrated Vaporizer Cannon, Chaotic Neutral, Scavenges Metal and Tech to Regenerate, Getting Too Close Activates Cannon, Submitted by Echo of Snac​A bulletin flashes across your HUD: an experimental specimen has escaped from Apex Innovations Labs. Looking up into the maze of neon-lit power lines, you spot a pair of glowing green eyes watching you. Beneath its patchwork fur, the cybernetic squirrel repairs itself by consuming scavenged metal and technology. Usually timid, it fiercely defends itself and any creature it deems an ally, unleashing an integrated vaporizer cannon when threatened. Among scavengers, it's become an urban legend—appearing from the shadows, stealing scrap, and disappearing without a trace. They call it GlitchWant to make a suggestion? Submit aform here:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://forms.gle/oSMMhMWpvZcLdGPK7⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Reach out at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Resonantmoon.com/npc-matchmaker⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ This project is for the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Dog Days of Advent 2025⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Music is "Air Prelude" Kevin MacLeod (incompetech.com)Licensed under Creative Commons: By Attribution 4.0 License http://creativecommons.org/licenses/by/4.0/

For today's episode, Greg Miller and Lars Doucet from the Center for Land Economics discuss vacant land being undervalued in Baltimore compared to utilized lots and what the mismatches mean for speculation, development, and fairness.Greg Miller is Co-Founder of the Center for Land Economics. He brings experience from his role as a Program Analyst in the Office of Policy Development and Research at the Department of Housing and Urban Development (HUD). After his time at HUD, he co-founded a startup focused on applying AI to make government more accessible. He holds degrees in Economics and Applied Mathematics from the University of Notre Dame.Lars Doucet is Co-Founder of the Center for Land Economics. He has decades of experience in software development. He was previously an indie game developer before co-founding ValueBase, a property assessment technology startup. As the former Chief Product Officer, he developed cutting-edge tools for accurate land value estimation. His book “Land is A Big Deal” has become a cornerstone text in contemporary discussions of land value taxation.To check out more of our content, including our research and policy tools, visit our website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.hgsss.org/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 

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

July 29, 2026 HUD is signaling potential changes to how Emotional Support Animals (ESAs) are recognized, and property managers need to be prepared. In this episode, host Pete Neubig sits down with PetScreening Founder and CEO John R. Bradford III to break down what HUD's proposed changes could mean for ESAs and assistance animals, how federal and state rules interact, and what property managers should be doing today while the new guidance takes shape.

In this episode, Dylan finally returns for our monthly Roundup episode, where we go around the room and discuss the other films we watched in the past month! July included The Odyssey (2026), Obsession (2026), Backrooms (2026), Project Hail Mary (2026), Once Upon a Time in the West (1968), Hud (1963) and many more! We also preview upcoming August releases and we spin the wheel to select our next 4 movies! Listen now!

Keith welcomes back Todd Drowlette, star of A&E's The Real Estate Commission, to help demystify commercial real estate for residential investors.  They explore which sectors are most resilient to disruption from AI, automation, and Amazon, why certain office and warehouse assets still work, and how service-based retail like nail salons and quick-service restaurants can offer durable returns.  Todd breaks down the basics and advantages of triple net (NNN) leases, key considerations in office-to-residential conversions, and how rising interest rates are reshaping commercial deals.  He also shares negotiation tactics from large commercial transactions that investors can immediately apply to their next rental property purchase. Episode Page: GetRichEducation.com/616 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold. We're talking with the star of the A&E show, the Real Estate Commission today. What real estate sectors are safe from AI, robots, and Amazon disruption? How many deals on the commercial side are still going to implode due to mortgage rates resetting higher? And some of the best negotiation techniques from $100 million deals that you can use in your own deals, and more today on Get Rich Education. You know, Mid South Homebuyers, that top Memphis turnkey provider. I learned that a secret weapon behind their explosive growth is more than just you buying their properties. It's an executive coach. For nine years now, their CEO Terry Kerr and his COO Pat Nix have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners, his name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one-on-one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to DanielThomashHind.com. H-I-N-D. That's DanielThomashHind.com and sign up before spots fill. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056 They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge. While it's on your mind, start at ridgelendinggroup.com. That's ridgelendinggroup.com.   Speaker 1  2:19   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  2:35   Welcome to GRE from Peoria, Illinois to Peoria, Arizona, and across 188 world nations. I'm Keith Weinhold, and you're listening to Get Rich Education. Though we're a show centered on how to build wealth through residential real estate investing, today we're talking mostly about the commercial side with a guest that's more comfortable investing in commercial real estate than he is residential. We'll learn why. He is the star of the new real estate show called the Real Estate Commission that airs on A&E Network. Todd Drowlette, because he was here with us last year shortly before the show debuted, and he had so many interesting things to tell us then. That's why he's back. Now we know that residential real estate is positioned well at surviving the boom in artificial intelligence's influence because everybody still needs a place to live. You can't download a kitchen or living room, and a chatbot can't replace a roof. But some types of commercial real estate are vulnerable to AI. I'm going to ask Todd which types and businesses are the most resilient to survive AI, robots, and Amazon, because there surely are some. He does a good job of making commercial real estate approachable to those that have never invested in it before.   Keith Weinhold  3:59   Contrary to the narrative, he also likes to talk about why office real estate is not dead. Occupying both worlds, I will ask him about office to residential conversions and also get his take on what is happening with commercial loans because apartment investors have been feeling the pain ever since mortgage rates doubled and nearly tripled in 2022. I'll ask about commercial loans blowing up and just how much more of that is expected to happen because the pain is certainly not over there. Let's meet this week's guest. A series on A and E Television and streaming launched last year called The Real Estate Commission, and it's going well enough that it's gearing up for season two. The star of that show is with us today. He was with us last year just before the show debuted, and that's when he shared all kinds of interesting insights with us, like why. A gas station is on a certain side of the road. He's perhaps the most prolific commercial real estate broker in the nation. He's managing director at Titan Commercial Realty Group in New York, closing deals totaling over $2 billion all across commercial real estate sectors. He's represented everyone from local startups to national reits. Hey, welcome back to Get Rich Education, Todd Drowlette.   Todd Drowlette  5:26   Thank you so much for having me back. I appreciate it. It's always great to talk to you.   Keith Weinhold  5:30   Yeah, same. It was so interesting when you were here last year, and I do want to ask you about how it's going with the A and E show later. Most of our listeners own single family rentals or small multifamily, and I think the commercial side, Todd. Frankly, it it intimidates some people. I know I've thought of it that way before. What are some of the misconceptions that the residential side seems to have about the commercial side?   Todd Drowlette  5:56   So a big misconception is that you have to be smart to do it. You certainly do not. A lot of people also think you have to already be a multimillionaire to do it, right? So the same way with residential, there's levels to it. There's levels to commercial real estate. So I say there's pros and cons, right? So in commercial real estate, if you have an office building or a shopping center or a ground lease, you rent to a McDonald's, whatever. You don't get phone calls at two in the morning saying my hot water tank just exploded, my furnace isn't working. So you still get property management calls, but they're typically from you know Monday through Friday, nine to five type of thing, and you don't need millions of dollars. People think you do. It's like you can buy a small two or three tenant office building or a two or three tenant retail shopping center, maybe something has a nail salon, hair salon in it. Depending on the market you're in, that could be a couple $100,000 to buy. If you're in a tertiary town in the United States, if you're in a major metro, it could be a million, 2  million bucks. But the rent is commiserate with what you're paying. So if you can make an 8 or 10% return, a lot of banks will finance startup people as long they're looking in commercial at the quality of the tenant and what the lease is. So you could have no experience, but if you're going to rent to a Hertz rental car, a Starbucks, a McDonald's, even if you personally have like say a 750 credit score, it's decent. It's not a perfect credit score, but you're financeable. They're lending in commercial real estate based on the credit and the length of the leases, not necessarily on your own financials. And a lot of people don't realize that, and they think, "Oh, bank's never going to approve me because I've never done commercial real estate before. Well, nobody's ever done anything until they do it, right? So as long as you start small, banks will lend to people, you know, on smaller things, there's a ton of pros to being in commercial real estate compared to residential. There's less competition. It's easier to repeat deals because once you know one tenant's looking for something, then you can find the next thing they're looking for, and it's a small knit group. You know, if there's 3 million real estate agents in the United States, I would say across the entire country, maybe 10,000 of us are commercial real estate agents.   Keith Weinhold  8:05   Yeah.   Todd Drowlette  8:06   So if you get into commercial, once you get into that network of people with a deal with the tenants and the whatever, you know, if you're in, you're in. If you're out, you're out. That was a very long answer to a very short question.   Keith Weinhold  8:16   Well, some people even have one of the same hangups about residential real estate investing-they think just to buy income property takes an awful lot of money, not realizing you can start with a single-family home of less than 300k or even less than 200k still today and make a small down payment on it. And you know, Todd, I think one thing that refines commercial real estate for some people and piques interest among residential investors is one of the first things that they learn when they're finding out about commercial real estate investing is the triple net lease. Oftentimes, you see that abbreviated NNN out there, and how that can make things somewhat more hands off for that commercial real estate investor. So, can you tell us about triple net leases?   Todd Drowlette  9:00   I sure can. Number one, the funny thing about triple net leases: none of the three things the N's represent start with an N. So your triple nets are literally your real estate taxes, your insurance, and your commonary maintenance. None of which start with an N. Yet it's called N N N.   Keith Weinhold  9:14   It's kind of like reading, writing, and arithmetic. The 3r is what only one of them starts with an R. It's a terrible acronym, but yes.   Todd Drowlette  9:22   Exactly. So there's different types of triple net properties. So essentially, a triple net property, unlike most residential, where you're responsible, you get X amount of rent, and then out of that rent for your income, you're going to subtract out your school tax, your property tax, your property insurance, liability insurance, you know, snow plowing, lawn mowing, all that type of stuff, right? So triple net properties, you have absolute net properties, which is the best thing you can own from a landlord's perspective. Those are things that are called absolute ground leases or an absolute net lease. Typically, you'll see those in like many gas stations. Will be that a lot of McDonald's. Deals are that where essentially you own a piece of property, you buy a piece of property, and you go here. You have X amount of time to put your building up, do construction, get your approvals. You're going to pay me X per month in a ground rent. You build your own building, you own your own building, you're responsible for it, and I just own the dirt. And those are typically 10 to 20 year leases with options. The downside of a triple net ground lease is you can't depreciate anything because it's just ground, right? So you don't get the depreciation you get with other properties, but you have no risk other than the credit of the tenant. So if you're signing a lease with the United States Postal Service and it's the federal government, you know you're getting that. Those will trade typically about one percentage point higher than U.S. Treasuries because there's very, very little risk in it. But there is some risk, so as an investor, you need a little bit better return than the guarantee of a U.S. Treasury.   Todd Drowlette  10:54   Then you have roof and structure triple net properties, where basically, okay, the roof and the structure I'm responsible for as the landlord. Anything inside of that, or you're responsible for, and then the tenants pay the proportionate share of, like I said, the taxes, the snow plowing, whatever. If that's a multi-tenant building, then you run the risk. Oh, tenant moves out as the landlord, you got to pick up that percentage. If if you have a 10,000 foot building and someone's in 2000 feet and they move out, well, now you're responsible for 20% of that tax and CAM and insurance bill until you replace it with a new tenant. But typically, if you're investing in small strip centers, smaller office buildings, which people say office is dead, I've made a fortune in office. Office is not dead. You just have to own the right office in the right place. A lot of downtown offices are dead, where they're moving to the suburbs for drugs and a lot of other issues. But typically, you know, strip centers today, people are buying those for 8% returns to as much as 10, 12% and a lot of times they're vacancy. That's upside you can add into it as well. But again, these are all things that you can get into for a couple $100,000 down, and there's way more room for error than people think there is. As long as you have a professional that's looking at the lease for you before you buy it, you know you just want to make sure the guarantee is on the lease that you have corporate guarantees. But typically, if a bank will finance it, they're also looking at that. But it's not as scary as people think it is, and it's really a strong alternative to investing in single-family homes. Not that I'm knocking single-family homes. There's pros and cons to literally everything you do in life, as you know. 100.   Keith Weinhold  12:28   A triple net lease, where in commercial property the tenant covers three main expenses or nets: property taxes, insurance, and the maintenance and repairs. And in a lot of the situations, like Todd is describing, that really leaves landlords responsible for little more than the mortgage, really increasing the passivity here. And you know, tenants that are willing to shoulder a triple net lease, I don't think of them as taking on those extra costs for nothing. I think about it is in exchange, tenants typically pay lower rent then, and the tenant also gets more control over the property in a triple net arrangement.   Todd Drowlette  13:08   That's a generally safe thing to say, but I hate saying this. I can't believe I'm even saying this, but you know they say location, location, location. So it really depends on the market. The biggest mistake people make to go, oh, I get asked all the time, should I invest in land? I'm like, hell no, raw land. I go when I develop stuff, I have a use for it. Once I get the approvals, then I'll close and buy the land. Land banking stuff and just going and buying land and hoping it goes up in value. I have a number one rule that I always say to people, and it's anytime you can buy $1 for 50 cents, you buy it, but you don't buy property for $1 hoping it goes to $2 because there's no guarantee that that'll happen. In raw land, you know you have a guaranteed. You're paying taxes every year, so just paying taxes on something that's also not returning you anything is a terrible investment, in my opinion. You're speculating. If you want to speculate, just go to the casino, play roulette, pick black or red, and you have roughly a 50-50 shop minus the three greens, but there's a lot easier ways to make money than buying raw land. But shopping centers, triple net properties, there's definitely ways for people to get into that that are much lower risk, and they're not as scary as you'd think. And many banks will finance them.   Keith Weinhold  14:18   Now, if you had to buy one commercial asset today, what would that be? I know that might depend on some factors, but generally, I've got to say, industrial comes to mind for me as one of the hottest commercial real estate asset classes in quite a while.   Todd Drowlette  14:32   So I would pick two strategies. One would be high bay warehouse, whether it's specifically industrial or just warehouse, but things with high ceilings, open floor plans, like you know, a 20,000 foot warehouse, 30,000 feet, something in that range, that a lot of people want that type of use. Warehouse rents have been increasing way faster than office or retail rents have been in the same markets. And as things get more and more automated, you still need to ship stuff. You still need to. Stuff you still need to get things to people's houses, so with the whole AI boom and the crazy things that are happening, I think there's going to be a lot fewer people with jobs sooner than people realize. But I do think the warehouse is a good thing to be invested in, especially if it's on main streets. It could be retail, could be warehouse, could be whatever. The second thing I'll say that's very low risk are any businesses that Amazon can't compete with you for. So, a small strip center that's two or three tenants, that's a hair salon, a nail salon, service type business, retail tenants, because it's a turnover business. So, like nail salons, they're never going to come to your house and do your nails unless you're a billionaire, because they can make more money with people coming to them in back-to-back appointments. So any type of service business tenant that you can have, and typically nail salons, hair salons, they don't usually go out completely. Usually, if they don't want to do it anymore, they'll sell the business to somebody else, and you keep a tenant. From an ownership standpoint, there's very low turnover and having to pay new brokerage fees or do give tenant fit-ups or free rent to like get their business up and running. So I would either go high bay warehouse with loading docks like 18 foot, 20 foot or higher ceilings, open floor plans, overhead doors, 20, 30,000 square feet, or two or three tenant strip malls with high traffic counts, good suburban locations that have service type businesses. Those are your two. Would be very hard to lose as long as you don't overpay when you buy them.   Keith Weinhold  16:25   This is such an interesting thing to say when you think about a resilient business, something that can't easily be disrupted by AI or Amazon, which something like a nail salon would fit into. Tell us about some of those other types that might fit into a small retail center that are resilient that way.   Todd Drowlette  16:45   End caps, so any kind of like a Popeyes, a McDonald's, anything that's drive-through or food. Even you're starting to see, you know, the Tesla robots, and you're seeing more and more of that. However, people will still buy the food. So whether the employees are actually still in there, it's all robots. They still physically need a place that's close and convenient for people to drive to, or even the food delivery apps. Like a lot of the retail restaurants now are telling me 30, 40% of their orders are delivery through like Uber Eats and whatever. But those are great tenants to have because they're still making money, and as the world's changing, they're adapting. And I want tenants that adapt to the changing world. And honestly, they can afford to pay more. This is terrible. But from a strictly landlord perspective, the fewer employees they have, you don't have workers' comp claims, you don't have the insurance, you don't have all those things. The more you can afford to pay rent to landlords. So as the world's changing, those type of retail, small strip centers, end caps, fast food, QSR type food, quick serve retail. Those are definitely things that I would be considering if I was someone getting into this, and they're things that I also own. So I always recommend what I would do myself.   Keith Weinhold  17:55   Right, and with that commercial tenant, if they're serving fast food, yes, it's not like their customer has to physically show up there at that business for that business to thrive.   Todd Drowlette  18:06   And actually, if you have them as a tenant, because of the delivery, like with a drive-through, you're typically only working off one or two miles. But Uber Eats or these other meal services, they're now going out five, six, even seven miles in some places. So that actually means their sales could be higher. And another thing I didn't mention, but now I'm thinking, a lot of restaurant tenants will pay a percentage rent. So actually, as their sales go up, even though there's not more infrastructure, you know, strains from more customers coming in and out of your property, as they're doing the meal delivery, you're actually potentially be getting cut of that as a landlord with percentage rent, which is a thing that doesn't exist in residential real estate, obviously, there's multiple streams of income for triple net properties at times when you have percentage rent that doesn't exist in warehouse, where it's in retail. It doesn't exist in office, doesn't exist in warehouse, doesn't exist in residential. So that can be a nice bonus, and you see that with supermarkets, restaurants, different types of retailers pay percentage run.   Keith Weinhold  19:05   Okay, so in a sense, Todd, we've been talking about going against the flow, if you will, in being in businesses that are resilient toward disruption from AI or Amazon. But while we're talking about industrial real estate, warehouses do come to mind for me soon afterward, I think generations ago maybe industrial had the connotation of a dirty factory. But today, when I think about warehouses, I think about Amazon fulfillment centers or AI data centers. So, what is the business like for investing in those sort of warehouse deals, and how do those deals even get put together for these warehouse types.   Todd Drowlette  19:42   So you have two types. So you have people who do spec building. So there's guys that will go out and say, "Hey, I'm in the warehousing business, and they'll go through. They'll get approvals and they'll say they'll buy 10 acres, 20 acres, 30 acres, and they'll say, "Okay, we're going to." Put I'm making this up. 500,000 square feet of warehouse on this. They'll go get approved, but they basically will put up a spec building of 40,000 50,000 feet, and then they'll lease it. Depending how long it takes them to lease it, then they'll build the next one. Once you kind of have one building up, it's much easier to prelease. If you just have a piece of dirt and say, hey, I'm going to do a warehouse building here. Unless you have a direct in specifically with Amazon, and they're like, hey, we need to be in Skoda, New York, you know, at this exit within 10 miles of that. And it's like anything. Once you do something for someone once, they're working across the whole country. So if you're particularly good in a specific region as developer, they will often say, "Hey, find me a spot here, here, because they're in the business of getting open and running data centers. They don't care if you're making a profit on the real estate, and they're not set up to locally go through the approvals, know the politicians, know the process, that whole thing. So there's opportunities like that. If you don't know anyone from a hole in the wall, if you have a big piece of property and you start with whatever you're comfortable with to spec out a warehouse, 10,000 feet, 5000 feet. See how long it takes. Do you lease that in six months? Does it take three months? Does it take a year? And then you can kind of take some of the profits from that, either refinance, or if you have a construction loan, then build the next one, build the next one, and build the next one. You can kind of build out as the demand comes along.   Keith Weinhold  21:22   You're listening to Get Rich Education. We're talking to the star of the A and E show, the Real Estate Commission, Todd Drowlette. So much when we come back. He's going to update us on what's happening with office to residential conversions, how much higher interest rate pain is still going to surface in some of these deals, and a negotiation tactic or two that you can use for your own residential deals. I'm your host Keith Weinhold. Flock Homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now, mom and pop landlords can 721 the residential real estate request your initial valuation. See if your properties qualify at flockhomes.com/gre. That's flockehomes.com/gre. 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If you have office buildings that are vacant, you know, particularly in downtown municipalities like in Albany, New York, you know, our state capital in New York. Politicians and the government right now are creating a lot of incentives to convert those, where they're putting up grant and giving away millions of dollars to private developers that you don't have to repay. So there's a huge opportunity to have people take on a lot of the risk for you to do it. Some of the pitfalls people get into are you want to pick the right office building to do it for. So you want to a make sure that that office building either has on site parking garages or on site parking because I've seen people try to do it and that. Downtowns where there's no parking, and you can put a lot of money in a building with no parking. And if you're not in New York City, where people are used to, and you're competing against suburban apartments, that's a tough sell. So that's number one. Number two, for whatever reason, people really want in office buildings and downtown settings floor-to-ceiling windows. So you really want to pick office buildings that already have floor-to-ceiling windows because it can be very expensive. If you get over three floors, it can be very expensive to cut out windows and make them larger. And another, this is a huge money potential pitfall if you're not careful. Many municipalities and states have different codes for elevators for residential buildings than they have for office. It makes no sense to me, but office buildings. It has to do with fitting the elevator has to be large enough that you can get a stretcher if someone had a heart attack and needed to be wheeled out. Ah, for some reason, residential buildings require larger elevators, and if your shaft isn't big enough and your car isn't big enough. You could have a million dollars or more of an unexpected expense to either make the shaft bigger. Some buildings you can't even do it.   Keith Weinhold  26:08   Well, but if it was originally set up for-   Todd Drowlette  26:09   It doesn't make any sense either. This is new. If you have an office building that's 30 stories tall, people could have heart attacks in the middle of the day at the office. So how is that any different than if they're at home in an apartment and have a heart attack, so it doesn't make any sense to me why the code is different for the fire code. But in New York State, the fire code is different, and that can be astronomically expensive, or it can literally stop your project dead in the tracks if it just becomes cost prohibitive to do it.   Keith Weinhold  26:34   That's something that I never would have thought about. I generally like to see office to residential conversions revitalizing central business districts in our cities. You know, you talked about the parking before having less need for parking. If people can walk to work and where they work, that increases the walkability of an area. I like so many things about office to residential conversions, despite all the hardships and the pitfalls you have to avoid.   Todd Drowlette  27:01   Oh, they're great. You just want to make sure you're picking the right building. So my point is, if you have five or 10 vacant office buildings, mostly vacant office buildings, just make sure you're choosing the right one. And before you buy it, do your due diligence and go through with contractors and engineers and architects that understand all the codes and say, hey, the other positive thing that saves money in office conversions is most office buildings. If you have an elevator bank, typically have bathrooms directly across from the elevator bank, so water and sewer can be very expensive when you're running apartments. So having central lines going up through usually concrete floors can save you a ton of money in the design and the layout of how you place the units and do it around central bathrooms, but typically larger office buildings will have plumbing and sewer on different parts of the floor. So it just means you have to go less distance and it saves money. And a lot of office buildings, even older ones, have higher ceilings, which today is very desirable for apartments. So if you can have a building that has natural light, high ceilings, and you can get grant money to do it, that's definitely something people should look into. And even with a smaller building, I've seen people in New York people are converting 5000 foot office buildings into like five units. You know, there's money to be made. You just have to buy right. I always say, you know, if you can buy $1 for 50 cents. Buy it. Don't buy $1 and hope it goes to $2 A   Keith Weinhold  28:25   lot of these physical limitations, oftentimes in the office to residential conversion, and Todd in the residential world, oftentimes apartment buildings have been problematic. A lot of these syndicators have had their deals blow up because in 2022 or earlier they got five to seven year fixed rate debt. Those deals are coming due. The mortgage payments double, and a lot of times the operator just can't meet it, and it blows up. And apartment building values have been down about 30% nationally, largely for that reason, even though an apartment building owner gets a commercial loan, I still want to know from the commercial side and the commercial use type how much higher interest rate pain do you see that has surfaced and is still going to surface.   Todd Drowlette  29:17   So, I'll answer this by quoting my grandmother. She said, "Anytime you want to cook, whatever size pot you think you need, pick twice that size pot and start using that.   Keith Weinhold  29:29   Yeah.   Todd Drowlette  29:29   So I say the same thing when you're financing a deal or you're writing it out and seeing what your returns are. I always say to people, make sure that you have a big enough cushion in there for all the things you can never predict in commercial loans, there's a ton of guys that are about to lose their shirts, and you're starting to see it because, unfortunately, I don't know if it's true in residential real estate, but in commercial real estate, I've seen guys go from nothing to 50 million, 100 million, $200 million net worths, but I've also seen. Lose everything. So what happens in commercial real estate that you don't want to do is so many people say OPM, use other people's money, use other people's money, use other people's money, which is fine as a strategy. But what you don't want to do is cross collateralized loans. So if you have one property and then you go, oh, let me refinance that and then buy a next property and I'll refinance that and buy the next property, and then the bank's like, okay, we'll refinance that, but we're going to now tie all these properties together as one mortgage, or you're going to cross guarantee these properties. Right. The problem with that is, the people who do that strategy, if you started at that, you know, in 2021 when interest rates, you could get things at three and three quarters percent. Well, commercial loans are five-year loans typically, and they might have 20 or 20-five-year amortizations. So, unlike a residential mortgage that's a 15 or 20 or 30-year self-amortizing loan, they're not. At the end of five years, you have a balloon payment that you have to pay off. So, if interest rates are going down, that's amazing because if your tenants are the same, and even if your rents didn't change, and you bought something at 6% and now it's at 5% Your cash flow goes up significantly, and nothing happened other than your refinance. The problem is you have a ton of guys right now, guys, women, people that were financing stuff five years ago at three and three quarters, and now interest rates are hanging six and a quarter, six and a half, depending on the property, is might maybe seven. Same tenant, same everything. You're giving the keys back to the bank because you're broke now. Because all of a sudden you're financing, you squeeze too much out of the deal. I always say you can take on the in in or you can take on the out, but you can't have both. So when people are financing stuff, they just need to make sure. Like here's another thing I'll go off on. A lot of people will buy stuff with tax credits, and you see even with residential apartments, a lot of guys are financing that, selling people tax credits. Economies and things change and things move. If a deal is so tight that you need the tax credits to make the deal make sense, yeah, don't do the fricking deal because tax credits should be an added bonus. That's just, hey, that's a nice adding to the cushion. So many people have razor thin margins. They go, oh well, I do the tax credits. If I can get 70 cents on the dollar, this is how I make the money. I tell people I will have nothing to do with tax credit deals unless it's strictly a bonus. The deal has to stand on its own, and always assume in the course of five years interest rates could go up three points or down three points. Most people will not listen to me and will not do that. If you do that, you'll never get killed and you won't lose a property. It's super conservative, but there's enough money you can make, and if you buy it right, that's how you can afford to figure that spread in when you're financing something. But just so many people get greedy, and I just think back to my friend Bob Bear, who died. I met him when he was like 70-five. He was a billionaire, self-made, and he used to say to me, "It's not what you make; it's what you keep. And when people would ask how rich are you, he knew how rich he was. He would say, "I don't owe anybody in the world a dime.   Todd Drowlette  32:59   And to me, my entire strategy is I don't owe anybody in the world a dime. So I personally look at deals and say, out of my own cash flows, what can I buy? And instead of buying four properties a year, I might buy one property a year. But if I'm buying that and compounding my returns, I'm not paying interest to the banks. So it's just a different strategy. I sleep at night. I'm like the multimillionaire next door. I don't live extravagantly. I don't drive Ferraris and Rolls Royces. That's just not my thing. But I sleep at night and I have peace, which is important to me, knowing I don't owe anybody in the world a dime. But will I get as rich as the guy who's risking everything? No. But real estate to me is musical chairs, and the music always stops at some point. And there's never enough chairs for everybody. But if you're somebody who's in a cash position, which you're going to be going through in the next six months to a year, on the residential and commercial, I think there's going to be blood in the streets. And I think people who are sitting in cash are going to have like a once in a lifetime opportunity to buy things at a deep discount.   Keith Weinhold  34:02   Philosophically, we're different in one way. I use debt and leverage to grow larger, but ensuring that I do have enough income to cover the mortgage and all the operating expenses. But Todd, to your analogy about your grandmother in selecting a bigger pot than what she would need to cook whatever she's going to do, when it does come to debt, the last time I bought an apartment building myself, which wasn't recent, I could have chosen seven-year fixed-rate debt with a balloon at the end, or 10-year fixed-rate debt with a balloon at the end. The 10-year fixed-rate debt cost me one quarter of a percent more in mortgage rate, which dented my cash flow during the entire duration of that loan. But I did indeed choose that 10-year loan in order to have that much more certainty, and I sure am glad that that's what I did.   Todd Drowlette  34:54   That's always the game because it's people think that rich people know what you don't, or it's inside. Whatever I'm like. Number one, if you sit in a room with a bunch of rich people, yes, they will work against you if it benefits them to work together. But if it doesn't, you have egos and separate interests that are all competing. And there's always that thing of I know very very rich people who could buy and sell me 100 times over, and I also know that you don't know what you don't know, and the world has gotten so complicated, and financial markets are all intertwined globally. Anyone to be able to predict, it's like it's a crapshoot when you're like, okay, do I take seven years? Where do I think interest rates will be in seven years? It's hard to say where interest rates going to be tomorrow. You ask a banker tomorrow, they can't tell you. So it's like, what's your best educated guess of seven or 10 years? What's the better play? But I always go the conservative route.   Keith Weinhold  35:43   I think it's easier to predict the future direction of capital prices than it is interest rates. Myself,   Todd Drowlette  35:50   but I will say also, I am the exception. And if you have 100 other guests on here in the next year, well, 50-one more guests in here the next year, yeah, they would all say Todd's an idiot. That's terrible advice. If you want to get rich, literally leverage, leverage. Just do it intelligently, and I acknowledge that. I don't see the world the way other people do, but my end game is to be rich and comfortable, and to sleep at night with peace. And that's why I choose to do what I do, realizing I'm giving up. It's the you know what are you giving up to what do you gain benefit analysis, and I'm realizing I'm giving up some upside in my total potential net worth. But I like peace, and you know I had anxiety for years. I don't have it anymore, and I live my life to be as anxiety free as I can possibly be.   Keith Weinhold  36:34   That's interesting, and that certainly works for you, Todd. What's one negotiation tactic that you get from dealing with, well, let's say Decca or Centa million dollar commercial deals that our listeners could use the very next time that they buy a rental property.   Todd Drowlette  36:53   So the number one mistake I think people make is they assume what's motivating the other person, and they assume it's always price. So anytime I'm going to negotiate a deal from someone, whoever has the most information always wins, and whoever doesn't need the deal always wins. Yeah. So I want to know as much about that other person on the other side as I am. Are they going through a divorce? Are they desperate? Do they hate each other? Is it a partnership breakup? Did somebody inherit it and they live five states away and don't even know what this thing is worth that they have. So the number one thing from a negotiating standpoint is understand exactly who you're negotiating with and what's motivating them. From an actual tactic standpoint, just think logically through whatever the process is, and you can always go up. You can't go down. So the key is to offer as little as you can without insulting the person, so they don't even respond. So figure out what that fine line is, and before you go into the negotiation, know what your walk away number is. That's just the point you're not getting over. The fast way to lose in a negotiation is to get stuck in a bidding war. There's nothing I want so much that I'm going to overpay for it. So when people go, "Well, if somebody else is interested, I go then sell it to them. Yeah, I don't need it. Sell it to them. And then the other thing I'll say is, if you start the negotiation, this is the one piece. Say your number and shut up. So many people are scared of silence. And then, right, if the person doesn't immediately respond, they go, "Oh, well, I guess I offered you 500,000 I mean, I guess I could go 550. As soon as you talk after you give a number, you're negotiating against yourself. So throw the number, let it land wherever it lands, and do not talk until that person responds to you. That's like the number one mistake I see people do. They throw out a number, they get nervous with the silence, and then they immediately go up in their offer. That person could have been thinking, "Oh my God, did I forget to call back my whatever? And they're not even thinking about the number you just threw out. But people just assume, oh God, the number was too low, and then they negotiate against those. Do not do that.   Keith Weinhold  38:48   Risk the awkward silence. And yes, to your point about learning more about the other side, terms are often more important than price for sure. Well, Todd, you know a lot of commercial real estate content in mainstream media it tends to focus on these big institutional deals. But what has made your A and E show interesting, the Real Estate Commission, is what it's called. Is it focuses more on sort of leasing and this negotiation that we're just touching on there, and that's what makes you interesting. So tell us about what audiences can expect for season two of the Real Estate Commission on A and E.   Todd Drowlette  39:24   So, season two, you will 100% see real landlords, real brokers, real investors. You'll see real retailers. You'll see people relocating their offices in New York City. You'll see stuff in upstate New York. It's generally in the Northeast. In the first season, we helped a kitchen cabinet manufacturer relocate their suburban offices in Philadelphia. I sold a 50-unit HUD property that has a HAP contract you might be familiar with. That was crazy going through a bankruptcy foreclosure proceeding two year. That was crazy. Yeah, so you are going to. See more of that. It's a documentary. It's not a reality show, so you're watching the deal as it unfolds. Some things have happy endings. Some things have terrible endings, but they're real endings either way. So people will see a lot of that of deals happening in the Northeast. And if someone's listening and they're a business owner and they want to be part of the show, they can apply. We're announcing the casting will be open for about three weeks across the U.S. They can go to the realestatecommission.com/forward/tv and they can apply to be part of the show.   Keith Weinhold  40:32   Now, since you started this last year, I want to ask: Has this A and E exposure helped you generate more business and create traffic? I would really think so.   Todd Drowlette  40:42   Yeah, I wasn't sure. You know how because you never anything new. You never know, right? Like I put time and energy into it. It definitely did. Definitely, people start to notice you, which is a little weird. I was in a cell phone store, and they literally it was playing, and the guy's like, "Oh, it's you! Like, and then everybody who's walking in, he's like, "Hey, look, it's the guy on TV. He's right here. That was like kind of an awkward. Like, I'm like, "Okay, this is weird. Guy was excited, so that was fine. It's an adjustment of things, but it definitely has increased our overall visibility and people reaching out to do deals with us for sure.   Keith Weinhold  41:18   Is there any last resource you'd like to tell our audience about.   Todd Drowlette  41:21   I would just quickly announce the first season did so well. We're actually doing a spinoff show that'll also air on A and E called the Real Estate Commission New York that we're casting in upstate New York as well as New York City for brokers, agents, home sellers, home buyers that will actually document real buyers, real sellers, same thing. It'll follow our format, which I know there's a million shows on TV about real estate. Those are reality shows, not docu series. And I'll say, without going into the details, there's a very big difference between those two and what you're actually seeing on camera and what's happening. That will air in March of 2027, back to back with our show, I will make cameos in that. But I'm executive producing that show, so from your residential audience, that's a show they should tune into. I think they'll get a lot out of it.   Keith Weinhold  42:12   Congratulations! Your show has had so much success that it's setting the template for another show, and it has been most interesting since we first had you here last year to follow this along, Todd Drowlette. It's been a valuable chat. Thanks so much for coming back onto the show.   Todd Drowlette  42:28   I'd love to come back anytime, and thank you so much for having me on again. I appreciate it.   Keith Weinhold  42:38   Drowlette is spelled D R O W L E T T E. Todd and I talk a good bit off mic as well. In addition to the elevators, sometimes he emphasizes how cumbersome to impossible HVAC system compatibility is when you're doing office to residential building conversions. Too, you just never seem to hear about an easier than expected office to residential property conversion. It is most interesting and rare that Todd is not much of a leverage guy at all. Whereas in the vein of financially free beats debt free, I like to approach deals where the interest cost is lower than the expected opportunity cost. When it comes to negotiating, some of Todd's approach, you know, it's similar to what prominent hostage negotiator Chris Voss shared with you here on the show a few years ago. That silence is powerful in negotiating. In fact, if you feel like you need to say something to fill the silence. Use what Chris Voss calls the mirroring technique, and the mirroring technique that is simply repeating what the other party just said, kind of like a parrot would. For example, if you're trying to buy a property and the seller says that the best they can do is sell it to you for 550k and a delayed 90-day close. Reply with 550k and a 90-day close, and then listen to see if the seller comes down from there. Or instead, you can simply say nothing and just sit there with the silence like Todd recommended. The reason I like these particular negotiating techniques right here is that they're easy to remember and they're easy to do. You either remain silent or, per the mirroring technique, you just repeat the last words that the other party said. Thanks to Todd Drowlette today, you can check out the real estate commission on A and E Coming up here on the show soon. Back to residential, where for the first time ever on the show here we discuss what might be the greatest real estate cash flow strategy because it's becoming quite popular today. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 1  45:08   Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Keith Weinhold  45:36   The preceding program was brought to you by your home for wealth building getricheducation.com  

Robert Howell turns $20K land deals into new manufactured homes for first-time buyers.Robert Howell runs a land home package business, buying raw land and putting brand new manufactured homes on it, structured to qualify for conventional HUD, VA, or USDA financing. He started with a $10,000 house in Memphis and no real estate background, and has grown to 50 deals last year with 100 planned this year. In this conversation, Robert breaks down how the land home model works, why he holds mobile home parks separately for long term, tax advantaged income through cost segregation, and how he thinks about profit and mission as the same goal rather than a trade-off.How land home packages generate $30K to $50K profit per dealHow mobile home parks and cost segregation build passive, tax sheltered incomeHow land pricing works in the $20K to $40K range, and what changes itThe two step process to find your first deal this weekWhy Robert believes profit and mission aren't in conflictGuest bio: Robert Howell is the founder of Howell and Sons and the Land Home League, focused on scaling affordable manufactured housing across the Carolinas, Georgia, and Tennessee.Links:Learn more about Robert's work at howellandsons.com#RealEstateInvesting #ManufacturedHousing #MobileHomeParks #AffordableHousing #LandInvesting #CostSegregation #PassiveIncome #RealDealChat #HUDFinancing #RealEstateInvestor #TaxStrategy #FirstTimeHomeownerWork With RealDealCrewIf you're already closing deals but your intake, follow-up, or visibility feels inconsistent, here are two ways to go deeper:Take the Deal Intake AssessmentSee how resilient your current operation actually is.→ https://assessment.realdealcrew.comBook a Fit CallIf you want to explore what a fully system-driven deal flow looks like, let's talk.→ https://realdealcrew.com/bookLIKE • SHARE • JOIN • REVIEWWebsiteApple PodcastsYouTubeYouTube MusicSpotifyAmazon MusicFacebookTwitterInstagram

David and Alicia share the latest ⁠⁠2026 AirVenture news⁠⁠ with an ⁠on-the-scene report⁠ from Wittman Regional Airport in Oshkosh, Wisconsin, including the AOPA ⁠Sweeps Husky giveaway, a wearable HUD, the SkyFly eVTOL, a larger Zenith 750, wildfire smoke that kept some folks away, and the next AOPA Sweeps which has begun.

EUROPEAN EV SALES JUMP 52% IN JUNE  European EV sales rose 52% in June, with volume models up 59% and premium models up 31%, pushing year-to-date growth to 35% overall. Tesla led the market with the Model Y and Model 3, while models like the Renault 5, Skoda Enyaq, and Leapmotor T03 showed strong gains, and BMW topped the slower-growing premium segment.GM EV RESET COSTS $10.9 BILLION  GM's shift away from aggressive EV expansion has now cost $10.9 billion, including a new $2.3 billion charge tied to reducing battery capacity and retooling factories for more petrol vehicles. The reversal follows weaker EV demand and missed targets against Tesla, mirroring similar multi-billion-dollar pullbacks by Ford, Stellantis, and Volkswagen.RANGE ROVER SHOWS ELECTRIC GT PROTOTYPE  JLR has unveiled a low-slung electric GT-style crossover as a fifth Range Rover model, blending SUV and saloon design on its EMA platform. A production version is expected next year with likely dual-motor AWD, though performance and range figures remain undisclosed.HOLLYWOOD TESLA DINER TOPS GLOBAL SUPERCHARGER NETWORK  Tesla's Hollywood diner and Supercharger site became the busiest in its global network within a year, delivering 21.2 GWh and averaging about 1,600 daily charging sessions. The location significantly outperforms other sites in weekly energy delivered, highlighting demand for high-traffic charging hubs.SWEDEN EV SHARE HITS 67% IN Q2  Plug-in vehicles reached a 67% market share in Sweden in Q2 2026, driven mainly by BEVs rising to 42% while PHEVs declined slightly. Overall car sales grew 22%, supported by new rural-focused incentives, with the Volvo EX40 remaining the top-selling BEV.VOLKSWAGEN ID. POLO STARTS AT £23,945  Volkswagen's new all-electric ID. Polo will start at £23,945, marking a key model in its “True VW” strategy with improved design, usability, and physical controls. Offering up to 280 miles of range and modern tech across trims, it aims to balance affordability, practicality, and everyday performance.VOLKSWAGEN BACKS SAFETY-LED E-BIKE RANGE  Volkswagen has backed a premium e-bike line featuring 250W motors and a 25 km/h limit, focused on safety and urban usability rather than speed. Key features include a radar-assisted rear-view system, integrated lighting, and optional smart helmet and HUD glasses to bring car-style safety tech into micromobility.HYUNDAI UNITES V2X UNDER ALL DAY ENERGY  Hyundai has launched All Day Energy, a unified V2X platform that combines its regional systems into a single global service accessible via vehicle apps. The system enables EVs to supply power to homes, buildings, other vehicles, and the grid, with the UK set as the first rollout market.BURNHAM CUTS POWER VAT, WIDENS EV CHARGING GAP  The UK will remove VAT on domestic electricity from October, cutting bills and benefiting EV owners who charge at home while leaving public charging taxed at 20%. This widens the cost gap for the 32% of households without driveways, intensifying calls for equalised charging taxes.ABARTH 500E GETS UK GRANT  The Abarth 500e now qualifies for a £3,750 UK government grant, reducing its price to £24,245 and making the electric hot hatch more accessible. The incentive aims to broaden its appeal beyond early adopters since its 2023 launch.ILLINOIS EV REBATES RETURN ON AUGUST 1  Illinois will relaunch its EV rebate program on August 1 with $14 million in funding, offering up to $4,000 for low-income buyers and $2,000 standard rebates. The program runs until funds are exhausted, with strict eligibility rules including price caps, dealer requirements, and no leases.USED EVS KEEP MORE BATTERY THAN FEARED  A Swedish study of nearly 10,000 tests found many EVs retain 95–97% battery capacity after over 100,000 km, challenging common concerns about degradation. Models like the Kia e-Niro and Hyundai Kona performed best, while battery chemistry and supplier differences also significantly affected long-term health.

Detria Austin Everson is a nationally recognized servant leader, business strategist, and sought-after speaker whose work bridges leadership, organizational excellence, and social impact. Over two decades of executive experience across nonprofit, corporate, healthcare, and financial sectors, including the largest HUD counseling agency and the John Lewis Foundation, she is known for building sustainable institutions, strengthening governance, and leading mission-driven organizations toward measurable, lasting results. She is the author of the newly released “Serving is a Superpower” where she issues a call to action to remind us that transforming lives through service is the power of giving and receiving. www.ServingisaSuperpower.com

Leo Young is the founder and managing partner of Cornell Communities, a private equity real estate firm revitalizing manufactured housing communities across eight states. He studied finance in college, then moved into sales at Tesla to build the communication skills he knew he was missing, working his way up to top regional salesperson before leaving to pursue real estate full time. After earning his real estate license, working in brokerage, and investing passively in apartments, Leo launched his own firm. Cornell Communities acquires and operates middle market mobile home parks, expanding access to affordable housing while delivering risk managed returns to accredited investors.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways Stack skills deliberately, since finance, sales, and operations compound over a career Vet the operator harder than the pro forma, because execution drives returns Buy in the middle market where institutions with cheaper capital are not competing Underwrite infrastructure first, since older parks carry hidden CapEx risk Create value through expense discipline and rent normalization, not unit renovations     Topics From Finance to Tesla Sales Leo studied finance but could not hold a presentation or speak in front of a room He joined Tesla to fix that weakness and became the top regional salesperson Why He Left a Dream Job for Real Estate Sales income required constant output and did not build lasting wealth A first passive apartment investment and distribution check convinced him to go all in Manufactured Homes vs. Mobile Homes Manufactured housing is the legal term tied to federal HUD construction standards Roughly 20 million Americans live in these communities, across a wide quality range Buying in the Middle Market Institutions and REITs with cheaper capital absorb the top quality assets Leo targets workable properties where his team can execute a clear value add What He Underwrites First Infrastructure leads: water, sewer lines, and roads on parks 50 to 70 years old Purchase price, location, and regulations follow, then his own team bandwidth How He Vets Sponsors as a Limited Partner Most decks oversell the property and undersell the team He asks for case studies and how the sponsor responds when a deal goes wrong Why the Economics Work Residents own their homes, which lowers the operating expense ratio and lifts NOI Heavy land improvement creates more depreciable value in a cost segregation study Lot rents sit at the low end of the housing market, so demand stays strong The Two Main Value Levers Expenses: rebuild vendor contracts and move home and utility costs to residents Rent: normalize lot rents toward market while keeping the value proposition intact Site improvements like roads, fencing, signage, and lighting support resident relations Why Homes Rarely Move Relocating a home can cost $7,000 to $10,000 and risks damage in transit Most residents sell in place and cash in the equity they built Community and Retention Turnover runs near 5%, compared with roughly 50% in apartments Private yards and driveways make the setting closer to a subdivision than a building    

Washington saw several significant developments this week. The Ballmer Group announced one of the largest private affordable housing commitments in state history. Puget Sound housing permits fell to their lowest level in a decade while the region experienced job losses. Washington's rent cap law completed its first full year of enforcement. The Spokane Tribe of Indians continued its major expansion into the Puget Sound multifamily market, and state agencies began adapting ahead of HUD's new federal homelessness funding priorities.

Denver’s rental market is telling two very different stories right now. Single-family homes are holding their rent levels year over year, but condos and older multifamily units are getting hit hard. Eric Ross of CRT Management walked through three Denver submarkets that show the split clearly, and the numbers are sobering for anyone holding condo or small multi inventory. Chris Lopez sits down with Eric, who manages 950 doors across the Denver metro and has spent 18 years in local property management. Eric pulled real Zillow data from Aurora North, the 225 and Chambers corridor, and the Wheat Ridge and Lakewood submarket. In one Aurora zip code, there are 48 single-family rentals available compared to 590 condo and multifamily units competing for the same tenants. One-bedroom rents in that pocket have dropped to $745 a month, levels he hasn’t seen in over a decade. Robinwood tells the story even more sharply. Two years ago, Eric was getting nearly $2,700 for a three-bedroom through the Housing Choice Voucher program. Today, those same units are renting closer to $1,895, pricing that takes the complex back to 2018 and 2019 levels. Eric also breaks down why Denver County logged 15,953 eviction filings in 2025, which is up roughly 72% from pre-pandemic levels, and what Colorado’s recent legislation around income requirements, credit checks, and habitability has done to landlord operations. In This Episode We Cover: Why single-family rents are holding while condos and older multi keep softening The Aurora submarket with 590 competing condo and multi listings How the Robinwood rent drop from $2,700 to $1,895 reflects the broader condo market Why HUD did a mid-year Fair Market Rent adjustment in late 2025 How the 2x rent income mandate is driving evictions higher Eviction timelines now running 50 to 90 days depending on notice type A risk mitigation partnership giving landlords up to $10,000 per tenancy in protection Eric also shares his outlook for mid-2027 rents and what he thinks needs to happen for the market to stabilize. Whether you own a single-family rental, a condo, or a small multi in the Denver metro, this conversation gives you the ground-level data you need to make smart decisions through the rest of this cycle. Subscribe to the Denver Real Estate Investing Podcast for new episodes every Tuesday. Watch the Youtube Video https://youtu.be/qiAhYZAzw0s Timestamps 00:00 – Welcome and Eric Ross introduction 02:15 – 2025 vs 2026 rent comparison across unit types 06:08 – Aurora North submarket, 48 single-family vs 590 condos and multi 11:03- Comparing today’s cycle to 2008 12:48 – 225 and Chambers submarket and the Robinwood case study 17:12 – HUD’s mid-year Fair Market Rent adjustment 22:45 – Wheat Ridge and Lakewood submarket breakdown 25:04 – Denver eviction filings up 72% from pre-pandemic 26:35 – How the 2x rent income mandate is driving evictions 30:14- Eviction timelines and the 10-day vs 30-day CARES Act split 34:00 – Violence Against Women Act protections and compliance cases 36:30- The House Bill 1090 utility billback fix 40:03 – Risk mitigation through private and public housing partnerships 47:27 – Rent forecast for mid-2027 Links in Podcast CRT Management Website: CRTManage.comCRT Management Email: info@CRTManage.comEric Ross on LinkedIn: https://www.linkedin.com/in/ericrossindnever/Workforce Housing CoalitionAAMDColorado Coalition for the Homeless Rocky Mountain Human Services

Everyone is talking about Trump's new housing law, but the biggest headlines may be the least important part of the bill.In this episode, Jeb Smith and Josh Lewis break down what the new housing legislation actually does, what was removed before it passed, and whether it will have any meaningful impact on first-time homebuyers.While much of the attention has focused on limiting large institutional investors from buying more starter homes, those investors own a much smaller percentage of the housing market than many headlines suggest. The bill also does not require them to sell the homes they already own, which means buyers should not expect a sudden flood of affordable inventory.The more important provisions may be the ones receiving far less attention. These include a new HUD pilot program designed to make mortgages under $100,000 more accessible, a permanent process allowing buyers to challenge low appraisals, potential savings on manufactured housing, higher financing limits, and expanded options for accessory dwelling units.Jeb and Josh explain who may benefit from these changes, why the effects will vary dramatically by market, and why buyers should not wait for Washington to solve affordability, inventory, or interest rates.✅ Are you Ready To Become A Homeowner: https://www.buyrightborrowsmart.com/quiz.✅ Start your stress-free journey today: https://www.theeducatedhomebuyer.com/start..Topics DiscussedWhat Trump's new housing law actually changesWhy institutional investors are not being forced to sellHow many homes large corporate investors really ownWhy the investor restrictions may have little immediate impactThe new small-mortgage pilot programGrants for down payments, closing costs, appraisals, and title insuranceWhat buyers can do when an appraisal comes in lowChanges affecting manufactured homes and ADU financingWhy government policy will not fix housing affordability overnightHow to determine whether you are actually ready to buyTimestamps00:00 Trump's new housing law and the misleading headlines01:50 Why the bill received overwhelming bipartisan support02:40 What happened to the proposed corporate investor selloff04:45 Why corporations started buying single-family homes06:35 Market-based solutions versus government restrictions08:03 How much of the housing market institutional investors actually own09:01 The two provisions that could help first-time buyers09:43 The new mortgage program for loans under $100,00012:28 What happens when an appraisal comes in low13:03 Reconsideration of value and appraisal challenges14:50 Manufactured housing changes and potential cost savings15:23 Higher FHA limits, ADU financing, and chattel loans16:20 Why the law will not transform housing overnight17:10 The political reality behind major housing legislation17:37 How buyers should decide whether now is the right time18:25 The two-minute homebuyer readiness quiz19:16 The financial and lifestyle factors that matter mostThe Educated HomeBuyer helps buyers understand the housing market, mortgage process, and financial decisions involved in purchasing a home. Subscribe for straightforward conversations designed to help you buy right, borrow smart, and build wealth.

In 2024, Washington state took a novel approach to undoing some of the historical damage caused by racist housing policy. That’s the year the state launched the Covenant Homeownership Program. It provides no-interest loans to descendents of people impacted by redlining or racially restrictive covenants. Those loans can be used for down payments and closing costs. So far, more than 1,500 home buyers have benefited from the program. And supporters say it’s giving people the chance at home ownership their ancestors were deprived of. But the program has opponents: After it was established, a nonprofit group quickly sued, alleging racial discrimination. And earlier this year, the federal Department of Housing and Urban Development launched an investigation into the program. Guest: Susan Shain, freelance writer reporting for The New York Times Related Stories: Washington State Tried to Make Up for Redlining. Then It Was Sued. HUD launches investigation into WA’s Covenant Homeownership Program Thank you to the supporters of KUOW, you help make this show possible! If you want to help out, go to kuow.org/donate/soundsidenotes Soundside is a production of KUOW in Seattle, a proud member of the NPR Network. See omnystudio.com/listener for privacy information.

Great players don't just grind levels.They monitor their stats.In video games, there's something called a Heads-Up Display, or HUD. It's the information panel that shows your character's status while you're playing — your health, energy, armor, ammo, experience points.It's basically your character's dashboard.And here's the idea for today:Your body has a dashboard too.Signals.Data.Feedback.Clues about how your system is performing.But most people go through life completely ignoring it.They train when they should recover.They push when their body is exhausted.They sleep poorly, eat poorly, and then wonder why their performance drops.Today we're going to talk about five health stats you should start paying attention to if you want to level up your health, fitness, and longevity.Because the best players don't just train harder.They manage their system better.Resources:Brain.fm App (First month Free, then 20% off subscription)Discount Code: coachdamiensdCaldera Lab Skin Carewww.calderalab.comDiscount Code: CoachDLinks:IG:@coachdamien_sd@damienrayevans@livinthedream_podcast YouTube:https://www.youtube.com/channel/UCS6VuPgtVsdBpDj5oN3YQTgFB:https://www.facebook.com/coachdamienSD/

Online #poker is a very different beast to twenty years ago. Essentially all poker sites have taken the decision to clip the wings of the professional grinder, ostensibly to encourage the survival of recreational players. Table caps, minimal rake back, and HUD restrictions require the pros to make concessions.   In this episode of the podcast, coach w34z3l discusses how the online grinder can navigate this hostile environment. There are no ideal poker sites anymore, but you can still develop a strategy to play professionally or to generate a significant side income.   TIMESTAMPS 0:00 Introduction: The Golden Age of Online Poker 1:04 PokerStars Today: Table Caps & Restrictions 2:18 Multi-Site Grinding: The New Reality 4:42 HUD Restrictions Across Major Networks 7:24 Room-by-Room Breakdown: Finding the Best Option 9:38 888 Poker: Traffic Issues & High Rake 10:14 iPoker Network: Bot Activity Concerns 11:58 Americas Cardroom: Closest to Old Stars? 12:57 Unibet: No Tracking, No HUD 13:37 Asian Apps: Security Risks & Agent Issues 15:04 PokerStars Security vs Accessibility 16:09 Winamax Withdrawal Issues: My Experience 21:01 GG Poker Lifetime Ban: What Happened? 24:39 The Decline of Online Poker & Final Thoughts   **LINKS** The Low-Stakes Poker Playbook: https://redchippoker.com/low-stakes-poker-playbook/ Setting Up Your Poker HUD Stats: https://www.splitsuit.com/setting-up-poker-hud-stats Maximize Your Online Poker Edge: https://youtu.be/IFLeNVINYDQ?si=t9oqSddVCfoWwZ5b Top 15 Key Poker Skills: https://redchippoker.com/top-15-poker-skills/   **JOIN US ON DISCORD** Join our free poker Discord today: https://redchippoker.com/discord  

Whitney Elkins-Hutten of PassiveInvesting.com interviews Mike Novelli, principal of Cypress Brook, to dive into the intricate details of the 293-Unit Ariza Dripping Springs project in Dripping Springs, TX. This ground-up construction project in the heart of the Texas Hill Country faced unique hurdles, including strict environmental regulations and the engineering challenge of a custom, eco-friendly wastewater treatment plant. Mike shares his 30-year expertise in the apartment industry, detailing how his team navigates high-stakes developments—from rigorous subcontractor vetting to securing strategic HUD 221(D)(4) financing. Whether you're a passive investor or an aspiring developer, this conversation provides an invaluable look at the realities of modern multifamily real estate and successfully overcoming market volatility.

Navigating the real estate landscape can be incredibly lucrative, but it is a dangerous jungle if you don't understand the paperwork. In this episode, professional investor Kris Krohn shares his real estate survival guide by breaking down the top ten critical documents you must comprehend to safely buy or sell property. From the initial purchase contract down to the final HUD settlement statement that ties the entire transaction together, Kris equips you with the fundamental legal maps required to make a pile of money while keeping yourself protected from being taken advantage of.