Podcasts about MLS

LAFC is officially back, and the buzz is real as training camp opens for the Black & Gold. Dave Denholm and Mario Ruiz dive into the energy around the club, the excitement level for the 2026 season, and what a new chapter under head coach Marc Dos Santos could look like in his first preseason at the helm. With the squad back on the pitch, there's plenty to react to as LAFC starts laying the foundation for the year ahead. Plus, the guys break down the latest moves and storylines happening around MLS.

San Diego FC announce themselves on the continental stage with a statement win in the Concacaf Champions Cup, while Arsenal book a return to Wembley and keep belief alive across every competition. We also look at major MLS storylines including Minnesota United's talks with James Rodríguez, Newell's long-term dream of a Messi homecoming, and a decisive week at Botafogo as John Textor seeks financial clarity. All that and more in today's Morning Espresso.

Atlanta Soccer Tonight breaks down what mattered in Atlanta United's preseason win over Lexington SC, focusing on structure, positional relationships, and why cohesion showed up across two different groups rather than just on the scoreboard. Jason Longshore and Madison Crews also dig into Atlanta United's newest signing, Elias Báez, what his profile adds to the left side, and how competition is shaping the roster ahead of the season. Around MLS, the conversation widens to major league movement, including Obed Vargas' move to Europe, San Jose's signing of Timo Werner, and the reported talks linking James Rodríguez to Minnesota United. The show closes with a full 3-4-3, covering Atlanta United's development pipeline, the start of Georgia high school soccer, and global headlines including Arsenal reaching the Carabao Cup final, Barcelona surviving a Copa del Rey scare, Olympic soccer's nationwide footprint in 2028, and the opening stretch of the Copa Libertadores. (Note: Due to time constraints, the Jillian Sakovits interview teased on air will be released separately as a podcast.)

Jillian Sakovits joins Jason Longshore for a wide-ranging conversation about where the game is heading in 2026 and why this year is a beginning, not a finish line. Sakovits discusses her expanding role across MLS and the women's game, the momentum building toward the 2026 World Cup, and what that moment means for cities like Atlanta as global soccer culture comes into sharper focus. The conversation dives deep into the NWSL's growth, the significance of Trinity Rodman's landmark contract, and why star power, sustainability, and equal investment are essential to the league's next phase. The discussion also turns to MLS, where Sakovits offers a league-wide perspective on roster moves, rising pressure points, and what the return of Tata Martino means for Atlanta United as the club enters its 10th season with expectations fully reset. From preseason storylines to the unique weight Martino carries in Atlanta, this is a conversation about leadership, timing, and what happens when nostalgia meets reality. A thoughtful, forward-looking episode connecting MLS, the NWSL, and the long arc of the sport in North America, featuring one of the game's most trusted voices, Jillian Sakovits.

Stu Holden and David Mosse are here with a new episode of State of the Union! Stu and Mosse start the show by breaking down the end of the European transfer window and Ricardo Pepi's transfer to Fulham falling through. Stu and Mosse then move through the Bundesliga and Serie A where both Malik Tillman and Weston McKennie scored to continue their strong form. Stu and Mosse then provide a preview for the upcoming Champions League playoff matches including the huge rematch between Real Madrid and Benfica. In #AskAlexi, the pair break down some major moves in MLS including Inter Miami's latest signing and discuss what's next for Gio Reyna. Finally, in One for the Road, Stu gives his latest prediction for the USA's starting lineup in the coming World Cup. Use our code for $30 off your next order of World Cup Tickets on SeatGeek*:https://seatgeek.onelink.me/RrnK/SOTU Sponsored by SeatGeek. *Restrictions apply. Max $30discount, Min. $200 Purchase Intro: (0:00)Inside the transfer window (2:46)Pepi's deal to Fulham falls through (6:33)US Abroad: McKennie, Tillman stay hot (19:26)#AskAlexi: No Gio, no cry? (46:11)One For The Road: Stu's US Starting XI (54:50) Learn more about your ad choices. Visit podcastchoices.com/adchoices

Kay Rawlins didn't just follow a calling, she helped transform a city. In this episode, Allison sits down with Kay Rawlins, co-founder of Orlando City and Orlando Pride and Senior Vice President & Club Ambassador, to unpack what it really takes to build something from the ground up, earn community buy-in, and lead with confidence in rooms that underestimate you.Kay shares her unconventional path from dropping out at 17, to owning preschools, to launching a professional soccer club that became a Central Florida institution. They talk about building “the plane while flying it,” guerrilla marketing and community advocates, why women must be over-prepared (for now), and how finding your tribe can carry you through the hardest seasons. Plus: Kay's mentorship philosophy, the power of boundaries, and the simple shift that changes how we check in on people.Connect with Kay Rawlins on LinkedIn 

We dive deep into the structure and incentives behind Major League Soccer in this episode. We explain why MLS academies exist primarily to maintain monopoly control over the elite youth pipeline rather than to develop first-team talent, how homegrown rules provide cheap labor while designated players serve as the real attraction for casual fans, and […]

Transfer Deadline Day has passed and now it's time to sort the winners, losers, and the outstanding questions. Jimmy Conrad, Charlie Davies, and Tony Meola break down PSV pulling the plug on Ricardo Pepi's move to Fulham (05:44), Obed Vargas swapping Seattle for Atlético Madrid, and what LaLiga's growing appetite for MLS talent says about the state of the American game (11:24). Will Alex Freeman make an impact at Villarreal? And how does Vargas' arrival affect Johnny Cardoso's minutes (20:26)? Then, Deadline Day war stories from the guys' playing days (27:19), Malik Tillman catching fire at Leverkusen (40:24), Patrick Agyemang knocking loudly on the World Cup door (42:44), Pellegrino Matarazzo earning LaLiga Coach of the Month honors (46:11), and how worried we should be about Christian Pulisic's latest injury (48:52)? The crew also reacts to being left off of USMNT legend Tony Sanneh's All-Time Teammates XI (51:15) before turning their attention to the Concacaf Champions Cup (56:14). With San Diego FC kicking things off straight out of preseason, can an MLS side go all the way this year, and is there any looking past Inter Miami as the clear favorites? Call It What You Want is available for free on the Audacy app as well as Apple Podcasts, Spotify and wherever else you listen to podcasts.  Follow the Call It What You Want team on X:⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@JimmyConrad⁠⁠⁠⁠⁠⁠⁠,⁠⁠⁠⁠⁠⁠⁠ @CharlieDavies9⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠@TMeola1⁠⁠⁠⁠⁠⁠⁠ Visit the ⁠betting arena on CBSSports.com⁠ for all the latest in ⁠sportsbook reviews⁠ and ⁠sportsbook promos⁠ for ⁠betting on soccer⁠ For more soccer coverage from CBS Sports, visit ⁠https://www.cbssports.com/soccer/⁠ To hear more from the CBS Sports Podcast Network, visit ⁠https://www.cbssports.com/podcasts/⁠ Watch UEFA Champions League, UEFA Europa League, UEFA Europa Conference League, UEFA Women's Champions League, EFL Championship, EFL League Cup, Carabao Cup, Serie A, Coppa Italia, CONCACAF Nations League, CONCACAF World Cup Qualifiers, Lamar Hunt U.S. Open Cup, NWSL, Scottish Premiership, AFC Champion League by subscribing to ⁠⁠⁠⁠⁠⁠⁠⁠Paramount+⁠⁠⁠⁠⁠⁠⁠⁠ Visit the betting arena on CBS Sports.com: ⁠https://www.cbssports.com/betting/⁠ For all the latest in sportsbook reviews: ⁠https://www.cbssports.com/betting/news/sportsbook-promos/⁠ And sportsbook promos: ⁠https://www.cbssports.com/betting/news/sportsbook-promos/ To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

The Designated Pundits preview the 2026 MLS season- Austin FC edition! We breakdown Austin's 2025 season by discussing the season results and breaking down the leading contributors. Then, we break down major transfers, projected a possible depth chart, and share bold predictions & expectations. On this episode, we have special guest Hernan from We Are Austin TV. All season long, catch our weekly live shows: -Thursdays @ 8:00 PM ET: Expert MLS picks, odds breakdowns, and props -Mondays @ 8:30 PM ET: League analysis, special guests, and hot takes The Designated Pundits podcast is your go-to for predictions and insights into America's version of the Beautiful Game. Watch live on YouTube or listen on your favorite podcast app! thedesignatedpundits.com YouTube- YouTube.com/@TheDesignatedPundits All Links- linktr.ee/thedesignatedpundits #MLSpicks #MLSpredictions #ATX #AustinFC Learn more about your ad choices. Visit megaphone.fm/adchoices

The Designated Pundits preview the 2026 MLS season- Toronto FC edition! We breakdown Toronto's 2025 season by discussing the season results and breaking down the leading contributors. Then, we break down major transfers, projected a possible depth chart, and share bold predictions & expectations. On this episode, we have special guest Jeffrey Nesker from the Waking the Red podcast. All season long, catch our weekly live shows: -Thursdays @ 8:00 PM ET: Expert MLS picks, odds breakdowns, and props -Mondays @ 8:30 PM ET: League analysis, special guests, and hot takes The Designated Pundits podcast is your go-to for predictions and insights into America's version of the Beautiful Game. Watch live on YouTube or listen on your favorite podcast app! thedesignatedpundits.com YouTube- YouTube.com/@TheDesignatedPundits All Links- linktr.ee/thedesignatedpundits #MLSpicks #MLSpredictions #TFC #TorontoFC Learn more about your ad choices. Visit megaphone.fm/adchoices

The Philadelphia Union have officially wrapped up their multi-week trip to Marbella, Spain, with matches against Sigma Olomouc, FC Nordsjælland, and FK Budućnost Podgorica as the team prepares for the 2026 MLS season. Todd and José recap the Union's trip to Spain and discuss the latest club news, including Neil Pierre being loaned to Lyngby, the Union finalizing a deal for Markus Anderson to join Brooklyn FC in the USL, and Stas Korzeniowski signing a first-team contract.   Union abroad: Training Camp in Spain: [4:22] Loans: Neil Pierre Loan to Lyngby Boldklub: [22:09] Union finalizing a deal to loan Markus Anderson to Brooklyn FC: [32:30] New signings: Union sign Stas Korzeniowski to first team deal: [39:55] Blunder of The Week: MLS to cut a quarter of Spanish-language broadcast talent on Apple TV: [52:35]   Social Media: Twitter: @FreeKickPod Instagram: @FreeKickPod Facebook: @FreeKickPod YouTube: The Free Kick https://thefreekick.substack.com/   Jose's Social Media: Twitter: @JoserNunez91 https://nunezj.substack.com/

The 2026 Concacaf Champions Cup kicks off with immediate tests across the region. San Diego FC makes its continental debut against Pumas UNAM, Forge FC faces Tigres UANL in brutal conditions, and Olimpia hosts Club América in a history-laden opener. We also look at England's new CTE prevention protocol and why it validates long-criticized U.S. Soccer youth heading rules, plus LA28's expanding Olympic soccer footprint, key MLS moves, and the latest developments in the John Textor–Botafogo saga.

Transfer Deadline Day came and went in most of Europe...Jarrett and Jon look at what went down- especially hitting Seattle in MLS at the end of the dayWe look at the big moves from Europe going east as well as an early look at ConcaChampions and (naturally) a John Textor update

We have a Bogert Bombshell to discuss regarding the Seattle Sounders, with Sunday's report that La Liga giant Atlético Madrid are in talks to acquire Seattle rising homegrown midfielder Obed Vargas. We'll dive into the latest developments regarding Obed's seemingly pending departure, discuss the fit with Atlético and assess how Seattle is set up to withstand the loss of one of their best and most important players.Follow Lobbing Scorchers: YouTube Instagram Bluesky TikTok Ari Liljenwall Noah RiffeSPONSORSHaxan Ferments - Specializing in unique, small-batch fermented hot sauces and vinegars, Haxan Ferments is handcrafted in Georgetown and made with the best local ingredients from across the Pacific Northwest. Use Code LS for a FREE Hot Sauce w/ purchase!Sounder at Heart - Our network host and biggest supporter, Sounder at Heart covers the Seattle Sounders, Seattle Reign, and MUCH MORE! Subscribe and Support to the BEST independent Seattle Soccer coverage.Podium Edmonds - Located at 114 4th Ave N, just off Main Street in the heart of Downtown Edmonds, come shop and explore the best menswear in the Pacific Northwest. Tell them Lobbing Scorchers sent you!Full Pull Wines - Founded in 2009, they the best boutique wines of the world to members, with special focus on our home, the Pacific Northwest.Seattle Sounders Tickets - Get tickets to an upcoming match straight from the club and help support the show at the same time.MLS Season Pass - MLS Season Pass is back on Apple TV with access to every single MLS match—including Leagues Cup and the entire Audi MLS Cup Playoffs—with no blackouts! Subscribe today to support the show.MLS Store - New year, new gear! The 2025 MLS jerseys are here, and MLSStore is the ultimate destination for every fan. Every purchase helps support our show!

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

Legendary commentator Derek Rae joins Christian and Alexis for a wide-ranging conversation on soccer, culture, and storytelling. From his upbringing in Scotland to his deep connection with German football, Derek explains how his love for languages and history shaped his broadcasting career—and why getting players' names right is about far more than phonetics. He shares a powerful story about the real impact correct pronunciation can have on players and their families.Derek also takes listeners behind the scenes of how he became the voice of EA FC, revealing what the audition process was like, how the opportunity came together, and what it means to be recognized worldwide through a video game. Along the way, he reflects on the evolution of soccer media, iconic broadcasting moments, and the responsibility that comes with being a trusted voice of the sport.Finally, the conversation dives into the global game itself. Derek breaks down the cultural differences between MLS and European leagues, explains why Germany has become such fertile ground for American players, and offers thoughtful insight into the unique identity of soccer fandom in the United States. It's a smart, funny, and deeply human conversation with one of the most respected voices in the game. Timestamps:(2:00) – Why pronouncing player names correctly is important to Derek Rae(10:45) - Derek Rae's soccer origin story(15:00) – How Europeans currently perceive MLS(23:45) – Is Germany the best place for Americans to develop?(35:00) – Is 2026 the year where the US becomes a real soccer country?(39:00) - How Derek Rae became the voice of EA FC Subscribe to The Cooligans on your favorite podcast app:

Reaction Monday starts your week on SDH AM929TheGame's Abe Gordon and SDH's Madison Crews look at the Atlanta United preseason opener against Lexington SC... checking on the two 45's, the elevens, the young players and the vets learning under Tata MartinoThen, hour 2 has SoccerForUSPod's Bart Keeler looking at the VAR moments from the weekend and explained the rationale (or, in one case "attempted") in how VAR came to be the focus of events on the field. Plus, another interesting move in the NWSL for a new club and what the WCCC means for the league as Gotham finished third...Plus, we go over the recent decision day moves and what to anticipate before the middle of the afternoon in Europe... 

Madison Crews visits SDH AM after the first pre-season action of 2026 for Atlanta UnitedWe look at the younger faces the 17's got to see first-hand in 2025 and how they look under Tata Martino plus the DP's and their look in the 4-0 win on the weekend

Our favorite annual tradition is back for the second time ever. Matt Doyle the keeper of the numbers rejoins the show to take Tom & Gass through the rankings. The three of them way in on every team in MLS and add in their locks for the five picks they each feel most confident about. Spoilers from DC United at the bottom to reigning MLS Cup champs Inter Miami at the top they talk through it all.**Note this was recorded on 1/27 due to the birth of Carmelo Skattebo Bogert. So some host takes will be dumber than usual.**

Friend of the Show Seve Cooke drops by SDH AM on matchday for Lexington SC to look at how coaches approach preseason matchday one- what to expect, what to watch for from players, and what the next steps should be in progress getting ready for the regular season...

Jon Nelson takes you through three different interviews highlighting lower division clubs around the Southeast. Hear from Huntsville City FC managing director Chad Emerson, new Greenville Triumph head coach Dave Dixon, and Lexington Sporting Club Youth Technical Director Steve Cooke. Check out SDH AM every Monday-Friday on the Soccer Down Here YouTube & Twitch channels.

The Designated Pundits preview the 2026 MLS season- FC Cincinnati edition! We breakdown FC Cincy's 2025 season by discussing the season results and breaking down the leading contributors. Then, we break down major transfers, projected a possible depth chart, and share bold predictions & expectations. On this episode, we have special guest Coach Gough from Cincy Soccer Talk. All season long, catch our weekly live shows: -Thursdays @ 8:00 PM ET: Expert MLS picks, odds breakdowns, and props -Mondays @ 8:30 PM ET: League analysis, special guests, and hot takes The Designated Pundits podcast is your go-to for predictions and insights into America's version of the Beautiful Game. Watch live on YouTube or listen on your favorite podcast app! thedesignatedpundits.com YouTube- YouTube.com/@TheDesignatedPundits All Links- linktr.ee/thedesignatedpundits #MLSpicks #MLSpredictions #FCCincinnati #AllForCincy Learn more about your ad choices. Visit megaphone.fm/adchoices

The Designated Pundits preview the 2026 MLS season- Minnesota United edition! We breakdown Minnesota's 2025 season by discussing the season results and breaking down the leading contributors. Then, we break down major transfers, projected a possible depth chart, and share bold predictions & expectations. On this episode, we have special guest Dan from The Loony Bin. All season long, catch our weekly live shows: -Thursdays @ 8:00 PM ET: Expert MLS picks, odds breakdowns, and props -Mondays @ 8:30 PM ET: League analysis, special guests, and hot takes The Designated Pundits podcast is your go-to for predictions and insights into America's version of the Beautiful Game. Watch live on YouTube or listen on your favorite podcast app! thedesignatedpundits.com YouTube- YouTube.com/@TheDesignatedPundits All Links- linktr.ee/thedesignatedpundits #MLSpicks #MLSpredictions #MinnesotaUnited #LegionofLoons Learn more about your ad choices. Visit megaphone.fm/adchoices

John Textor says he will personally step in to lift Botafogo's transfer ban as court rulings and creditor pressure tighten around the club. We break down what that promise says about trust, structure, and ownership, then shift to FOX's sweeping World Cup 2026 broadcast plans, key domestic moves across MLS and the NWSL, and a look ahead to Atlanta United's preseason match against Lexington SC.

We are back with some Seattle Sounders and MLS offseason coverage from the new Sounder at Heart studio in the International District, just blocks away from Lumen Field! With the squad in Marbella for preseason training, we discuss the news of Nouhou's contract extension and give our picks for the players with the most to prove between now and the start of the 2026 season. Later on, we hit a couple of headlines from around MLS, including the LA Galaxy's trade for João Klauss and a Blazing Hot Press Conference from Charlotte FC star Wilfried Zaha.Follow Lobbing Scorchers: YouTube Instagram Bluesky TikTok Ari Liljenwall Noah RiffeSPONSORSHaxan Ferments - Specializing in unique, small-batch fermented hot sauces and vinegars, Haxan Ferments is handcrafted in Georgetown and made with the best local ingredients from across the Pacific Northwest. Use Code LS for a FREE Hot Sauce w/ purchase!Sounder at Heart - Our network host and biggest supporter, Sounder at Heart covers the Seattle Sounders, Seattle Reign, and MUCH MORE! Subscribe and Support to the BEST independent Seattle Soccer coverage.Podium Edmonds - Located at 114 4th Ave N, just off Main Street in the heart of Downtown Edmonds, come shop and explore the best menswear in the Pacific Northwest. Tell them Lobbing Scorchers sent you!Full Pull Wines - Founded in 2009, they the best boutique wines of the world to members, with special focus on our home, the Pacific Northwest.Seattle Sounders Tickets - Get tickets to an upcoming match straight from the club and help support the show at the same time.MLS Season Pass - MLS Season Pass is back on Apple TV with access to every single MLS match—including Leagues Cup and the entire Audi MLS Cup Playoffs—with no blackouts! Subscribe today to support the show.MLS Store - New year, new gear! The 2025 MLS jerseys are here, and MLSStore is the ultimate destination for every fan. Every purchase helps support our show!

In this episode, we take sit down with MLS on Apple TV's Andrew Wiebe to chat about the evolution of MLS since his time started in 2011!!Recorded on: 1/28/26#MLS #MLSCup #mlscupplayoffs #ATLUTD #atlantaunited #austinfc #charlottefc #forthecrown #cf97 #chicagofire #fccincinnati #fcc #allforcincy #coloradorapids #rapids96 #columbuscrew #crew96 #dcu #dcunited #fcdallas #dtid #houstondynamo #holditdown #sportingkc #skc #lagalaxy #losangeles #lafc #intermiami #intermiamicf #messi #lionelmessi #minnesotaunited #mnufc #legionofloons #cfmtl #cfmontreal #nashvillesc #everyonen #newenglandrevolution #nerevs #newyorkredbulls #rbny #NYCFC #newyorkcity #orlandocity #orlandocitysc #philadelphiaunion #DOOP #portlandtimbers #RCTID #RSL #realsaltlake #sanjoseearthquakes #quakes74 #seattlesounders #sounders #stlouiscity #STL #allforcity #TFCLive #torontofc #vancouverwhitecaps #VWFC #USL #uslchampionship #mlsseasonpass #AppleTV #USMNT #GoldCup #WorldCup #LeaguesCup 0:00 - Scarf of the Week6:12 - Michael Bradley at RBNY12:56 - The Evolution of MLS19:09 - Favorite Stadiums24:07 - Miami Roster Mania38:25 - Favorite Live Moments46:55 - Bold 2026 PredictionsSend any emails with questions or comments to: thedppod@gmail.comFollow the Pod on Social Media! Website: https://thedppod.buzzsprout.com/Twitter: https://twitter.com/TheDPPod1Instagram: https://www.instagram.com/designated_players_podcast_/Facebook: https://www.facebook.com/TheDPPodTikTok: https://www.tiktok.com/@thedppodHave a thought, comment, question, or suggestion? Send us a message and let us know!Support the show

The LA Galaxy just dropped a 1-2 punch on the rest of MLS! In the span of just two days, the front office has officially signed Joao Klauss as the club's newest Designated Player and followed it up with the surprise signing of free-agent veteran playmaker Erik Thommy. Are these the pieces that turn the 2026 season from a "transition year" into a trophy hunt? Plus, we take a look at the leaked 2026 home kit that has the entire fan base buzzing!

Inter Miami Heading To Colombia | The Herons Adding More Reinforcements #InterMiamiCF #InterMiami #Messi #AtleticoNacional 

En Español: Inter Miami Sigue Su Gira En Colombia#InterMiami #Messi #InterMiamiCF 

Alexi Lalas and David Mosse are back with a new episode of State of the Union! Today we break down all the madness from the final matchday of the Champions League league phase, including a Malik Tillman brace against Villarreal, a massive Benfica upset of Real Madrid, and PSV and Marseille falling just short of their qualification dreams. We then look ahead to this weekend's Premier League action that will see Brenden Aaronson and Leeds face league-leaders Arsenal, Jedi Robinson and Fulham traveling to Old Trafford, and a suddenly massive match in the relegation battle between Chris Richards and Crystal Palace and Nottingham Forest. In #AskAlexi, the boys ponder if the USA is even fully prepared to win a World Cup and in One for the Road, Alexi talks about his upcoming reunion with members of the 1994 World Cup squad. Intro (0:00)Transfer Roundup: Freeman to Spain & Luna rumors swirl (3:51)U.S. in UCL: Malik Tillman bags brace, Weah & Dest knocked out (8:11)UCL Recap: Jose Mourinho & Co win vs Real at Death (16:54)U.S. in EPL Preview: Aaronson hosts Arsenal (21:46)#AskAlexi: USL vs MLS & Is the U.S. ready for a Men's World Cup title? (30:19)One For The Road: 1994 U.S. Reunion (43:06) Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Designated Pundits preview the 2026 MLS season- Houston Dynamo edition! We breakdown the Houston's 2025 season by discussing the season results and breaking down the leading contributors. Then, we break down major transfers, projected a possible depth chart, and share bold predictions & expectations. On this episode, we have special guest Dustyn Richardson from Bayou City Soccer! All season long, catch our weekly live shows: -Thursdays @ 8:00 PM ET: Expert MLS picks, odds breakdowns, and props -Mondays @ 8:30 PM ET: League analysis, special guests, and hot takes The Designated Pundits podcast is your go-to for predictions and insights into America's version of the Beautiful Game. Watch live on YouTube or listen on your favorite podcast app! thedesignatedpundits.com YouTube- YouTube.com/@TheDesignatedPundits All Links- linktr.ee/thedesignatedpundits #MLSpicks #MLSpredictions #HoustonDynamo #HolditDown Learn more about your ad choices. Visit megaphone.fm/adchoices

SDH has your Thursday Thoughts looking at UCL and previewing UEL Around the world in Hour 2 with Nino Torres and Sounder at Heart/Pulso Sports Niko Moreno looking at everything from South America (Peru and Argentina) to Champions League and MLSAnd the UPSL is down to their final four  NY Renegades FC head coach Boris Linares joins before hopping on a plane heading to southern California

Champions League Decision Day finally delivers drama as giants stumble and the knockout picture comes into focus. We break down the chaos in Europe, then dig into the evolving John Textor situation across Eagle Football, Lyon, and Botafogo. Plus, the FIFA Women's Champions Cup takes shape, MLS and domestic notes, and key stories from around the world in your Morning Espresso.

Sounder at Heart and Pulso Sports Niko Moreno drops by SDH AM to break down the news in Major League SoccerFrom Seattle to San Jose, RSL to HoustonWe look at the latest news with the Western Conference and work our way East 

Get your pencils and notebooks out because it is time to get wiser about soccer together! Bobby Warshaw (Bloom Sports) takes David & Matt through the exercise of planning a winning MLS roster. He asks them the same questions he asks some of the biggest clubs CSO's. Listen to the debate and conversation. And you can answer the questions yourself about the club you would build. See the questions below and send the hosts your thoughts on Bluesky or in the Discord!What are your objectives for the next 1-3-5 years? How are we measuring our targets?What's your thesis on why you will be successful? In 1-2 sentences, tell me why you'll beat out the 29 other people trying to do the same thing as you?What are your Roster Pillars? What are the ~5 things that you need to achieve with your squad to be successful in MLS? (They do not need to be the same for every team.)What are the categories of players within your roster? How are you defining and measuring them?

Wilfried Zaha met the media with just a handful of weeks to go before the 2026 MLS season kicks off. Danny Brams fires up the ol' Livestream to break down what he heard from the superstar winger looking to take The Crown to it's best finish ever in season five as a franchise.

Timbers head coach Phil Neville joined  105.1 The Game's The Dirt & Sprague Show to help unveil the club's new radio partnership with 105.1 The Game. Neville spoke about what the team has been doing in preseason, how this MLS season is unique with the World Cup and the ways he's looking to get the team to play the style he is envisioning for the 2026 regular season. Dirt and Sprague also invite Neville out to a potential game of golf. To learn more about the team's new radio broadcast, check out Timbers.com: https://bit.ly/4q2Tt6D

Carl and Mike are joined by Brad Guzan as they discuss his new role as Atlanta United's ambassador and sporting adviser.

Fletcher Johnson, Aaron Heinzen, and Adam Susman sit in with The Firm as The Fan announced today we are the new home of the Timbers!

Jome built a marketplace for new construction homes by solving a transparency problem most people don't know exists: the vast majority of new builds never appear on Zillow, Redfin, or traditional MLS systems. In this episode of BUILDERS, I sat down with Dan Hnatkovskyy, CEO and Co-Founder of Jome, to unpack how he identified a massive category gap during Austin's pandemic housing boom and scaled from scraping builder websites to partnering with 1,700+ builders including 92 of the top 100. Dan shares the specific market moments that unlocked builder partnerships, how he discovered Google's separate product category for new construction, and why early LLM traffic became a meaningful acquisition channel. Topics Discussed: Why IDX feeds and MLS requirements systematically exclude new construction inventory The three market inflection points that accelerated builder partnerships from 500 to 1,500+ in 12 months How Google's separate new construction product category created an arbitrage opportunity against brand-focused builders The manual MVP: Typeform + text message delivery before building any real product Why the mortgage rate lock-in effect (50%+ of mortgages under 3.5% vs 6-7% prevailing rates) compounds the housing shortage Accidentally discovering ChatGPT and Perplexity were driving closed transactions through analytics instrumentation The decision to optimize entirely for buyers despite builders being the sole revenue source GTM Lessons For B2B Founders: Map structural exclusions in existing distribution systems: New construction homes can't enter MLS because they often lack finished addresses, real images, or completed properties—requirements designed for resale homes. This structural incompatibility created a $400B+ blind spot. Dan didn't just find underserved customers; he identified a category systematically locked out of dominant distribution. B2B founders should analyze whether incumbent platforms have structural requirements that exclude segments of the market, not just underserve them. Exploit paid search category mismatches between buyer intent and seller behavior: Dan discovered Google maintains separate product categories for new construction versus resale homes. Zillow and Redfin competed intensely in resale, but new construction was dominated by individual builders (Lennar, DR Horton) who assumed brand-driven intent—similar to car manufacturers. The reality: buyers search "new construction homes in Austin," not "Lennar homes." This category/behavior mismatch created immediate arbitrage. B2B founders should audit whether buyers search by problem/outcome while incumbents bid on brand terms, creating white space for aggregators. Time enterprise outreach to industry stress events, not product readiness: Jome scaled from 500 to 1,500 builders in one year by capitalizing on three specific moments: (1) pandemic demand surge when builders needed millennial/Gen Z reach, (2) 2022 quantitative tightening when builders feared demand collapse, (3) Zillow's 2023 policy change excluding builders with under 10 communities. Dan didn't wait for product-market fit—he mapped when prospects would be most receptive to any solution. B2B founders should create a calendar of industry stress events (regulatory changes, market corrections, competitor policy shifts) and time outreach to these windows regardless of product maturity. Instrument conversion funnels to detect emergent channels before consensus forms: Jome discovered meaningful lead volume and closed transactions from ChatGPT and Perplexity through analytics, not strategy. Only after seeing the data did they experiment with what Dan calls "reinforcement learning with LLMs"—promoting positive results to train the models. This wasn't about SEO or prompt engineering; it was about measurement infrastructure that surfaced signal before the channel was obvious. B2B founders should track referral sources at the closed deal level, not just top-of-funnel, to catch emerging platforms while unit economics are still favorable. Manually deliver value at zero margin before building product: Before any integrations or platform, Jome ran Google Ads to a Typeform, manually created searches in their agent-facing tool, and texted results to buyers. Dan's framework: "Start with manually creating value...and then step by step, improve it, automate it, make it more efficient." He launched this on a personal credit card and got immediate signal. B2B founders should resist the urge to build scalable product until they've proven someone will pay for (or convert on) manual delivery of the outcome. Optimize for the non-paying side when you're building a two-sided marketplace: Despite 100% of revenue coming from builder commissions, every product decision optimizes for buyer experience. Dan's logic: "If we want to bring value to the builders...we need to start with the buyers. We need to create the best possible home buying journey." This isn't idealism—it's recognition that in transaction-based models, buyer liquidity determines builder participation. B2B founders in marketplace businesses must identify which side is supply-constrained and build obsessively for the other side. // Sponsors: Front Lines — We help B2B tech companies launch, manage, and grow podcasts that drive demand, awareness, and thought leadership. www.FrontLines.io The Global Talent Co. — We help tech startups find, vet, hire, pay, and retain amazing marketing talent that costs 50-70% less than the US & Europe. www.GlobalTalent.co // Don't Miss: New Podcast Series — How I Hire Senior GTM leaders share the tactical hiring frameworks they use to build winning revenue teams. Hosted by Andy Mowat, who scaled 4 unicorns from $10M to $100M+ ARR and launched Whispered to help executives find their next role. Subscribe here: https://open.spotify.com/show/53yCHlPfLSMFimtv0riPyM

Episode 144 | DP & McGhee are back with another wide-ranging episode that blends big-picture sports business trends with personal perspective and Olympic-level insight. From blockbuster NFL storylines to landmark sponsorship moves, the hosts break down the latest headlines before welcoming an elite athlete-turned-executive who offers a rare look inside the Olympic movement and its commercial realities.

The gap between being great in college and thriving as a pro is smaller than a square of grass, and that's exactly where Tommy McCabe lives. We sit down with the Oakland Roots midfielder to unpack how a backyard obsession, a London childhood, and the Jersey hotbed launched a journey through youth national teams, Notre Dame, MLS, and the USL Championship. Tommy brings calm clarity to a noisy landscape: the right path isn't a league acronym, it's the daily training environment that pushes you while helping you belong.We dive into the core pro separators, awareness, scanning, and first touch, and why the game gets tighter and faster with every level. Tommy explains how to keep the ball and structure under pressure, how to master the basics without boredom, and why decision-making starts with seeing the right picture before the ball arrives. From there, we talk culture: the best clubs build environment, connection, and belonging. He shares candid insights on roster turnover, improving USL contracts, and the delicate balance between opportunity and stability that shapes a season and a career.Curious about MLS vs USL differences, player lifestyle, and what promotion and relegation could mean for the American game? Tommy offers a measured view rooted in player welfare and professional standards while still embracing the excitement of higher stakes. We also look ahead to Oakland's potential on and off the field, training at the former Raiders facility, and turning a historic stadium into a fortress. If you care about player development, coaching, and what truly makes a professional, this conversation will sharpen your lens.If this resonated, follow and subscribe, share it with a teammate or coach, and leave a review to help more people find the show. What's the one habit you think separates a pro from the rest?

You're going to love this episode. I brought Gavin Timms on to walk us through a real deal he recently did with his team. They bought a piece of land for $45,000 and sold it for $68,000 in just 40 days. The coolest part? Neither Gavin nor his partner ever stepped foot on the property. His partner handled the whole thing while living in Korea.This deal is a perfect example of what happens when you stop overcomplicating things and just follow a proven process. Gavin breaks down how they picked the market, pulled the list, sent out simple marketing, and followed up until the contract was signed. He also shares how they listed the property on the MLS before owning it and closed with a solid $15,000 profit without using any of their own money.If you're still wondering if land flipping works or whether you need to be local to do deals, this story will open your eyes to what's possible when you take consistent action.What's Inside: —How Gavin's team flipped land from overseas using simple tools—The exact steps they used to find and market to motivated sellers—How they negotiated and listed the property before owning it—Why consistent follow-up made all the difference

Hour 1 with Glenn Davis! Manchester United shakes up Premier League with win over Arsenal. Deep dive on Houston Dynamo Academy Why does it not produce first team players of importance from Houston? MLS and Dynamo roster talk.

SDH AM visits Huntsville to get a preview of the 2026 MLS MEXT PRO season with Managing Director Chad Emerson for Huntsville City FCWe look at the lessons from last year, the market Huntsville is, the growth over time, and gameday lessons as well...

It's Champions League Decision Day. All 36 teams kick off at once as the math finally becomes real across Europe. We break down the chaos, the pressure points, and what's at stake, plus takeaways from the USWNT's dominant win over Chile, MLS and Apple's evolving broadcast plans, major roster moves across the league, and more from around the global game.

Wall Pass Wednesday starts your day on SDH AMWe look back at the USWNT win in Santa Barbera late Tuesday nightWe keep an eye on the FIFA Women's Challenge Cup with Gotham FCHuntsville City FC Managing Director Chad Emerson drops by to look at the off-the-field progress of the team in MLS NEXT PROWe preview the last match day in the league phase of UCL, your transfer news, ATLUTD2 roster adds, and the rest of your AM news 

The Industry Relations Podcast is now available on your favorite podcast player! Overview Rob and Greg are joined by Jack Miller (President & CEO of T3 Sixty) for a wide-ranging discussion on the SP 200, changes to T3's ranking methodology, brokerage business models, agent economics, consolidation, and the future of the MLS as a comprehensive marketplace. Key Takeaways SP 200 methodology update: Rankings now factor in future impact, not just past performance, leading to notable shifts in the Top 10. Agent economics by model: Traditional brokerages show higher average agent income, while fee-based and capped models emphasize unit economics. Brokerage costs: The critical metric is cost per transaction and cost per agent—not just GAAP net income. Teams vs. platforms: High-producing agents increasingly partner with platforms (Compass, Place, Side) instead of building large internal teams. MLS under pressure: Preserving a comprehensive marketplace is the key challenge as private and delayed listings increase. Consolidation continues: Industry consolidation is ongoing, but not near an end-state oligopoly. Portals vs. brokerages: Compass and Zillow are shaping industry direction in different ways, with contrasting strengths and strategies. Links Consulting Trends Industry Rankings Sp200 Rankings Industry News Connect with Rob and Greg Rob's Website  Greg's Website    Watch us on YouTube   Our Sponsors: Cotality  Notorious VIP The Giant Steps Job Board    Production and Editing Services by Sunbound Studios  

Today's blockchain and crypto news Bitcoin is up slightly at $87,866   Ethereum is down slightly at $2,913 Binance Coin is up slightly at $879 Japan's FSA opens public comments on stablecoin amendments Kraken launching DeFi Earn Kalshi opens new DC office Polymarket signs multi-year deal with MLS. Learn more about your ad choices. Visit megaphone.fm/adchoices

Most people think good sleep is about getting 8 hours.But if your bedroom is overstimulating your nervous system, you can sleep all night and still wake up foggy and drained.In this episode of the Kwik Brain Podcast, I sit down with Jack Dell'Accio, CEO and Founder of Essentia and a certified Sleep Coach who has spent more than two decades optimizing sleep for elite performers. Jack has worked closely with top athletes across the NBA, NFL, MLS, and NHL, helping them improve reaction time, recovery, and cognitive performance through better sleep quality.Because sleep is one of the most crucial components of peak performance.And the wrong environment can keep your brain stuck in light sleep, pull you out of deep sleep and REM, and quietly sabotage your memory, focus, mood, and recovery, even if you are doing everything else right.In this episode, you will learn: ✅ Why “8 hours” of sleep can still leave you exhausted ✅ The difference between sleep hygiene and sleep environment and why both matter ✅ The biggest hidden stimulants that keep your nervous system on high alert at night ✅ How temperature changes during sleep can trigger wakeups and lighter sleep cycles ✅ The problem with toxins and off gassing materials in most mattresses ✅ How coils can amplify EMF exposure and disrupt recovery ✅ Why deep sleep and REM are the real drivers of brain performance and healing ✅ Jack's 3 step priority framework for upgrading your sleep environment ✅ Simple ways to reduce nighttime stimulation and protect your recovery starting tonightThis episode is about removing what is quietly preventing your brain from fully recovering, so you can wake up clear, calm, focused, and ready to perform.