Podcast appearances and mentions of Jeff White

The Denver housing market April 2026 update shows a familiar story. Prices have been flat for three straight years. Rents have softened back to levels not seen since late 2021. So where does that actually leave Colorado investors right now? Chris Lopez brings the full panel together for this monthly update. Jenny Bayless covers the Colorado Springs market as both a broker and active investor. Jeff White of Envision Advisors tracks Denver’s small multifamily market closely. Brandon Scholten manages over 1,000 units at Keyrenter Denver and owns rentals himself. Troy Howell of Nova Home Loans rounds out the group with a lender’s perspective across Colorado. The panel works through the DMAR April report together. Denver’s median closed price sits at $605,000 this month, essentially unchanged from $604,000 in April 2025 and $602,000 in April 2024. In inflation-adjusted terms the market is down. Detached single family is holding, up about 1% year over year. The average condo price is down nearly 5% year over year. In the Springs, the median sits at $480,000 with sales up 8.5% month over month and month supply at 3. Rentals get a close look too. Concessions are up. Rents have pulled back to near Q4 2021 levels. The panel then turns to co-living and room-by-room rentals. Operators who bought into the model three to four years ago are now trying to exit. Co-living property managers typically last 6 to 12 months. PadSplit requires roughly a $30,000 retrofit, furnished rooms and ongoing maintenance responsibility — and the exit problem may be just as significant as the operational one. In This Episode We Cover: Why the Denver housing market’s April 2026 data shows prices flat for a third straight year How rents have pulled back to late 2021 levels and what landlords are doing about it Why co-living operators are looking for the exit and what the PadSplit model actually costs Governor Polis’s push to cut Colorado’s average $4,200 homeowner’s insurance premium by $800 What 22,000 YourCastle transactions revealed about the NAR commission settlement Jenny’s decision to sell and pay down debt, and Jeff’s 10th house hack in West Denver If you invest in Colorado real estate or are watching the Denver housing market in April 2026, this episode covers the data and decisions that matter right now. Subscribe for monthly market updates every month. Watch the Youtube Video https://youtu.be/kB-TT_tl78Q Timestamps 00:00 Welcome and Panel Introductions01:31 Colorado Springs Market Data — Median $480K, Sales Up 8.5% 03:10 Springs Condo Trends — Prices Starting to Recover09:04 Rental Strategies in a Soft Market — Flat Renewals and Two-Year Leases13:30 Denver Market Overview — 11,500 Active Listings15:21 Three Years of Flat Prices — Detached Up 1%, Condos Down 5%18:02 Condo Financing Challenges — FHA Hurdles and Fannie Mae Changes 28:30 Showing Data — About 5 Showings Per Property in Both Markets25:52 Co-Living Reality — Why Operators Are Trying to Exit29:08 PadSplit Breakdown — $30K Retrofit, Furnishing Costs and the Exit Problem36:20 Medium-Term Rental Demand — Two Years of Data38:20 Brighton Co-Housing — Gratitude Village and 35 Communities in Colorado41:04 Colorado Insurance Bill — $4,200 Average Premium, $800 Reduction Target46:25 NAR Commission Data — $70 Buyer-Side Difference on a $500K Purchase56:08 Jenny Sells a Property and Pays Down Debt59:40 Jeff Closes His 10th House Hack — Two Houses on One Lot in West Denver Links in Podcast Troy Howell: troy.howell@novahomeloans.com LinkedIn: Troy Howell Website: https://www.novahomeloans.com/loan-officer/troy-howell/ Brandon Scholten: brandon@keyrenterdenver.com Website: https://keyrenterdenver.com/ Jenny Bayless: jenny@envisionrea.com Jeff White: jeff@envisionrea.com Brighton project aims to pioneer fully accessible, net-zero cohousing in Colorado Polis wants home insurance premiums to drop by $800, but can he do it? Your Castle Real Estate DMAR Who is Keyrenter? Keyrenter Property Management Denver provides rental solutions for homeowners and real estate investors in the metro area who are interested in transforming their properties into passive income. It offers various services, from property marketing and thorough applicant screening to tenant placement and 24/7 maintenance services. Keyrenter Denver's team of experts can take the clients' burden of managing their rental off their hands so they can get back to what matters to them. Who is Nova Home Loans? For over 40 years, we've been focused on helping homeowners find the perfect loan to fit their financial needs and personal goals. Working with NOVA is a personalized experience from initial application to final loan closing and beyond. We will be with you every step of the way toward successful homeownership. Start working with NOVA & Troy Howell today! NOVA FINANCIAL & INVESTMENT CORPORATION, DBA NOVA HOME LOANS NMLS 3087/ EQUAL HOUSING OPPORTUNITY/8055 EAST TUFTS AVENUE, SUITE 101/DENVER, CO

Former Docker and Dee, Ruck coach, Jeff White, joined Mark Duffield to preview Freo v Hawks. Learn more about your ad choices. Visit megaphone.fm/adchoices

Mornings with Mark Duffield hits your airwaves on Wednesday morning from the SEN WA Studio. The show gets started with Duffs Editorial and Four Thoughts. He is then joined by Jeff White, Joe Brierty and author and artist Dave Warner. The show finishes strong with Questions and Answers and Top 5 - Take 5 Midfielders. See you next week! Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode, Chris, Dom and Ben are joined once again by Jeff White to review the seventh and eight chapters of Maul - Shadow Lord, entitled "Call to Oblivion" and "The Creeping Fear".They touch on some of the huge plot points in the episodes, including Maul's vision of his past and how it might inform his future. They also discuss Devon's continued journey, and Dom questions whether her presumed dark destiny is  where she's headed after all. Plus, Jeff helps them break down a mountain of Star Wars gaming news, including big updates to Fortnite, a release date reveal for Star Wars: Galactic Racer, a new Star Wars Monopoly game, and a Star Wars DLC for PowerWash Simulator 2 (yes, really!). Tune in for all this and so much more! Join the Star Wars Underworld Network DiscordSubscribe on YouTube Subscribe on Spotify Subscribe and Review on Apple Podcasts Facebook: www.facebook.com/swunderworld Twitter: @TheSWU Email: swunderworld@gmail.com

On this episode, Chris, Dom and Ben are joined once again by Jeff White to review the seventh and eight chapters of Maul - Shadow Lord, entitled “Call to Oblivion” and “The Creeping Fear”…

AI is transforming more than just marketing; it's reshaping how manufacturers hire, train, and build their future workforce. In this episode, Friddy Hoegener, President of SCOPE Recruiting, joins Jeff White and Carman Pirie to explore how AI is impacting recruiting, from automating interview notes to flooding applicant pools with polished, AI-generated resumes. The conversation dives into a critical emerging challenge: the erosion of entry-level roles that traditionally help develop future leaders. As AI takes over repetitive tasks, companies risk losing their talent pipeline unless they rethink how early-career roles are structured. Friddy shares insights on how forward-thinking organizations are adapting by creating AI-augmented roles that emphasize strategy, cross-functional thinking, and innovation. They also discuss the growing importance of soft skills, the pitfalls of over-automating hiring processes, and why smaller, more agile manufacturers may have a unique advantage in attracting talent in this new landscape.

B2B e-commerce is evolving rapidly, and manufacturers can't afford to sit on the sidelines. In this episode, Meghan Flynn, VP of E-commerce and Digital at Justrite Safety Group, joins Jeff White and Carman Pirie to unpack the forces reshaping digital commerce in industrial markets. From generational shifts in buying behaviour to the rise of AI-driven and agentic commerce, Meghan explains why traditional assumptions about B2B buyers no longer hold. She explores how personalization, content, and customer journeys have become more complex and more critical than ever. The conversation also delves into the growing influence of Amazon Business, the importance of balancing e-commerce with distributor relationships, and how marketers can position their brands to win in an increasingly automated, competitive landscape. If you're a manufacturing marketer navigating digital transformation, this episode offers practical insights and a forward-looking perspective on where B2B commerce is headed.

On this massive, jam-packed episode, Dom and Ben are joined by longtime friend Jeff White to review all the most recent Star Wars content. For the first hour of the show they dive into the newly released final trailer for The Mandalorian And Grogu, discussing all the big reveals, the new poster, and the fact that tickets are going on sale soon. They also speculate and debate about what the opening of the movie will look like in the vaguest way possible. Furthermore, in the second hour they break down the third and fourth episodes of Maul - Shadow Lord, dissecting the two big Lightsaber duels, the philosophical debate between the Jedi and Sith, and how Devon is already showing signs of darkness. Plus, Ben goes deep with a Ryan Vs. Dorkman reference, and will Din Djarin die in The Mandalorian And Grogu? Tune in for all of that and so much more! Join the Star Wars Underworld Network DiscordSubscribe on YouTube Subscribe on Spotify Subscribe and Review on Apple Podcasts Facebook: www.facebook.com/swunderworld Twitter: @TheSWU Email: swunderworld@gmail.com

On this massive, jam-packed episode, Dom and Ben are joined by longtime friend Jeff White to review all the most recent Star Wars content…

In this episode of The Kula Ring, Jeff White and Carman Pirie sit down with Paul Kelly, COO of NY CREATES, to explore the future of semiconductor innovation and workforce development. Paul shares how NY CREATES is enabling next-generation chip technology through global partnerships, supporting startups and industry leaders alike, and tackling one of the sector's biggest challenges: building a skilled and diverse talent pipeline. From AI-driven manufacturing to advanced packaging and quantum technologies, this conversation offers a fascinating look at the forces shaping the semiconductor industry and the opportunities available to those entering it.

Small multifamily deals in Colorado are producing cash-on-cash returns worth paying attention to in 2026. Three real deals just went under contract or closed along the Front Range. In this episode, Chris Lopez sits down with real estate agent Jeff White and lender Troy Howell of Nova Home Loans. Together, they walk through three actual deals. Those are a Loveland fourplex at $685K, an Aurora triplex at $579K, and a Pueblo duplex at $300K. These are not hypotheticals. One is already under contract. Another closed just weeks ago. The numbers are real. The Deals Jeff walks through both the house hacker and investor scenarios on each property. For the Loveland fourplex, a house hacker with 5% down pays $458 per month in year one. Then, in year two, that same property cash flows over $1,076 per month. That works out to a 23.80% cash-on-cash return. For investors at 25% down, the fourplex delivers 6.50% cash-on-cash in year one. That is roughly three times the Denver metro average. Beyond that, Section 8 rates in Larimer County hit $1,732 per month for a two-bedroom. As a result, the numbers look very different from what most people expect. The Pueblo duplex, meanwhile, introduces a different tool: DSCR loans. Troy explains how one investor used a cash-out DSCR on a free-and-clear property. As a result, she funded the down payment and reserves on the new purchase. In addition, the property appraised at $310K on a $300K purchase and came with a $10K seller credit. It also stabilized at a 7.72% cap rate with a 6.875% 30-year fixed rate. The Portfolio Play The episode also covers the strategy behind the Loveland fourplex. Specifically, an investor bought nine fourplexes for $5.2 million and has since been selling them individually. Chris, Jeff, and Troy break down the margin and the mechanics. In short, finding the right motivated portfolio seller remains one of the most underrated plays in Colorado real estate. Watch the Youtube Video https://youtu.be/BF24OiyWDy0 Timestamps 00:00 — Welcome & Three-Deal Overview  03:25 — Loveland Fourplex — $685K, New Roof, Appraised at $715K  05:26 — The 0.75 Rent-to-Price Ratio Rule — How to Screen a Deal Fast 08:40— House Hacker Pays $458/Month in the Loveland Fourplex  11:19— Investor Scenario — 6.5% Cash-on-Cash Year One, 3x Denver Average  12:39— Reserves Deep Dive — The 10% Rule on a 1980s Building  16:13 — Aurora Triplex at $579K — All-Brick, Month-to-Month Leases  17:44— Aurora Numbers — $517/Month House Hack, 8.33% COC Investor Year Two  20:38— Pueblo Duplex at $300K — Seller Credit, Four-Car Garage, Appraised at $310K  22:01 — DSCR Loans Explained — Qualify Off Rental Income, Not Your W2  35:40— The Nine-Fourplex Portfolio Play — How Bulk Buying Creates Margin  Links in Podcast Deal Analysis Spreadsheet — Troy Howell’s underwriting spreadsheet Weekly Deals Email List — Sign up to receive Front Range multifamily deals from Jeff White weekly Strategy Call — Book a consultation with Chris, Jeff, or Troy Connect With Our Guests Troy Howell: troy.howell@novahomeloans.com LinkedIn: Troy Howell Website: https://www.novahomeloans.com/loan-officer/troy-howell/ Jeff White: jeff@envisionrea.com Who is Nova Home Loans? For over 40 years, we've been focused on helping homeowners find the perfect loan to fit their financial needs and personal goals. Working with NOVA is a personalized experience from initial application to final loan closing and beyond. We will be with you every step of the way toward successful homeownership. Start working with NOVA & Troy Howell today! NOVA FINANCIAL & INVESTMENT CORPORATION, DBA NOVA HOME LOANS NMLS 3087/ EQUAL HOUSING OPPORTUNITY/8055 EAST TUFTS AVENUE, SUITE 101/DENVER, CO

What happens when a guerrilla marketer enters the world of industrial manufacturing? In this episode of The Kula Ring, Jeff White and Carman Pirie are joined by Michael Garza, Marketing Specialist at Sanyo Denki America. Michael shares how his background in street team and experiential marketing, promoting concerts, festivals, and events, shaped his creative approach to B2B marketing. The conversation explores how unconventional thinking, experimentation, and community-focused marketing can bring fresh energy to manufacturing brands. From trade show giveaways to adapting messaging for different verticals, Michael explains why marketers should abandon “set it and forget it” thinking and instead focus on continuous learning, testing, and authentic engagement with their audiences.

Ian Failes from befores & afters chats to visual effects supervisor Jeff White, now creative director at ILM Vancouver, on his roles on the Transformers films, the development of BlockParty, that New York oner in The Avengers and the creature work in Kong: Skull Island.

Caterpillar is one of the most recognizable industrial brands in the world; but even iconic brands face challenges when it comes to modern social media. In this episode of The Kula Ring, Jeff White and Carman Pirie are joined by Jenni Gritti, Senior Marketing Communications Consultant at Caterpillar, to explore how industrial brands can create social content that truly resonates. Jenni breaks down how Caterpillar approaches different audiences across platforms, why educational entertainment consistently outperforms promotional content, and how data and split testing guide every decision. The conversation also dives into AI's growing impact on social media, the rise of “AI slop,” the importance of human authenticity, and why reuse and repurposing are not only acceptable—but essential. This episode is packed with practical insights for industrial marketers at any stage of maturity.

What happens when your company not only builds a better product, but creates a whole new category? In this episode of The Kula Ring, Jeff White and Carman Pirie speak with Florian Neugue, Regional Marketing Manager for North America at A-Safe. Florian explains how A-Safe pioneered polymer safety barriers that flex and return, replacing traditional steel barriers in industrial facilities. The conversation explores the power of category design in manufacturing markets. Florian outlines why redefining the problem is the first step to building a new category, how marketers must balance education with demand capture, and why patience is critical when shaping how buyers think about safety solutions. From forklift safety and operational costs to market maturity frameworks and industry standards, this episode offers a practical look at how category creators build long-term market leadership.

Resources mentioned were:The Power of Prayer, E.M. BoundsPrayer - Our Glorious Privilege, Chuck SmithRadical Prayer: The Power of Being Bold and Persistent, Manny MillWith Christ in the School of Prayer, Andrew MurrayIf You Will Ask: Reflections on the Power of Prayer, Oswald ChambersPrayers for Prodigals, James BanksThe One Year Praying Through the Bible for your Kids, Nancy GuthrieFriends with God: Discover How to Pray, Jeff White and David HarringtonFamily Worship, Donald S. WhitneyCalvary Live is an outreach ministry of GraceFM at Calvary Church in Aurora, Colorado.Pastor Ed Taylor is the Senior Pastor of Calvary Church – you can find more about him at edtaylor.org.If you like what you hear on Calvary Live – don't forget to follow us, and share it with your friends and family!

In this episode of The Kula Ring, Jeff White and Carman Pirie welcome Maeve Ferguson, founder of Maeve Ferguson Consulting, to explore the power of diagnostic thought leadership. Maeve shares how sophisticated assessments go far beyond traditional quiz funnels, acting as intelligent routing engines that personalize messaging, qualify leads, and optimize sales conversations. From collapsing long B2B sales cycles to filtering out unqualified prospects, Maeve explains how diagnostics serve as both a value-delivery mechanism and a powerful data play. The conversation dives into lead classification systems, personalization at scale, and how agentic AI is transforming marketing infrastructure. For manufacturers navigating complex buying journeys, this episode reveals how diagnostic experiences can increase close rates, accelerate sales conversations, and build deeper trust with prospects.

Something shifted in January — and this January 2026 Denver real estate market update breaks down exactly what’s happening. Rents are resetting to 2018 levels. A third of all available apartments were built in the last decade. Colorado now ranks 5th nationally for outbound moves. 55% are leaving the state — the highest since 1990. Landlords across the Front Range are holding rents flat or cutting them just to keep units filled. But here’s what most people are missing — this same pressure is creating buying opportunities that haven’t existed in over a decade. Chris Lopez sits down with his monthly market panel. Troy Howell with Nova Home Loans, Jeff White with Envision Advisors, Jenny Bayless covering Colorado Springs, and Shawn Riley from KeyRenter Denver all join the conversation. The group digs into the numbers. They share what they’re seeing firsthand from their own portfolios, clients, and deal flow. Things get real when Chris reveals a fourplex across the street from his own just sold at his 2018 purchase price. That confirms what the data has been showing about multifamily. Then the panel unpacks a $30 million foreclosure on four central Denver apartment buildings. Zero bidders showed up at auction. Colorado residential land now averages $942,200 per acre — up 174% in a decade. That’s why starter homes have disappeared entirely. And Shawn Riley shares that rents on condos and townhomes are down 7-10%. Apartments are offering up to three months free rent, making it brutal for older inventory to compete. In This Episode We Cover: Colorado Springs hits 4.5 months supply — officially tipping into a buyer’s market while prices hold mostly steady Why Denver inventory is building 7-8% year over year and new construction spec homes still aren’t moving even with builder-subsidized 4% rates The rental market resetting to 2018 levels and why landlords are holding rents flat to avoid costly turnover Section 8 developments including Denver paying 120% of fair market rents but freezing new voucher issuance and rent increases Room by room rental demand softening — what co-living operators need to know heading into spring Why the panel says this is Colorado’s first real buyer’s market in a decade and the 1031 exchange strategy to capitalize on it The new Fed chair nomination and what rate improvements of 0.50-0.75% from last year mean for refinance opportunities If you’ve been waiting for a 2026 Denver real estate market update that actually tells you where the deals are, this is it. Whether you’re sitting on single family properties eyeing a move into multifamily, a landlord figuring out the right rent price, or an investor ready to pick up distressed deals at steep discounts, the panel breaks down exactly where things stand right now. Watch the YouTube Video https://youtu.be/LJq5IzPcPbM Timestamps 00:00 — Welcome & Guest Introductions  01:13 — Colorado Springs January Stats — New Listings Nearly Double  03:44— Denver Boots on the Ground — Relisting Surge & Condo Financing  05:39 — Denver Metro Trends — Inventory Building & Prices Flat  07:44 — Colorado Land Up 174% — Why Starter Homes Don’t Exist  09:40— Builders Sitting on Unsold Spec Homes  11:11— Colorado Ranks 5th for Outbound Moves  11:55— Rental Market Reset — Rents Feel Like 2018  15:45— Room by Room Rentals — Flat Rents & Co-Living Rebrand  21:58— Section 8 Voucher Changes & Denver Paying 120% of Fair Market Rents  27:51 — Multifamily at 2018 Prices & $30M Foreclosure With Zero Bidders  35:05 — Renting vs. Buying — Jenny’s Real Numbers Comparison  37:53 — Mortgage Rates & New Fed Chair Nomination 41:24— Buyer’s Market Playbook — Time for Disrespectful Offers Connect with our Guests Jeff White: jeff@envisionrea.com Troy Howell: troy.howell@novahomeloans.com LinkedIn: Troy Howell Website: https://www.novahomeloans.com/loan-officer/troy-howell/ Shawn Riley: shawn@keyrenterdenver.com Website: https://keyrenterdenver.com/ Jenny Bayless: Jenny@envisionrea.com Links in Podcast Apartment vacancy in metro Denver reaches highest rate in 16 years, pushing down rents again Realtors say it's still a buyer's market in Colorado, but high housing costs keep renters renting  Mortgage Calculator Lender forecloses on four central Denver apartment buildings Denver Multifamily Hits 2009 Cap Rates (8 Indicators We’re at the Bottom) Download the Free House Hacking Spreadsheet Subscribe to our Reactivated Deal Alert Emails Who is Keyrenter? Keyrenter Property Management Denver provides rental solutions for homeowners and real estate investors in the metro area who are interested in transforming their properties into passive income. It offers various services, from property marketing and thorough applicant screening to tenant placement and 24/7 maintenance services. Keyrenter Denver's team of experts can take the clients’ burden of managing their rental off their hands so they can get back to what matters to them. Who is Nova Home Loans? For over 40 years, we've been focused on helping homeowners find the perfect loan to fit their financial needs and personal goals. Working with NOVA is a personalized experience from initial application to final loan closing and beyond. We will be with you every step of the way toward successful homeownership. Start working with NOVA & Troy Howell today! NOVA FINANCIAL & INVESTMENT CORPORATION, DBA NOVA HOME LOANS NMLS 3087/ EQUAL HOUSING OPPORTUNITY/8055 EAST TUFTS AVENUE, SUITE 101/DENVER, CO

In this episode of The Kula Ring, Jeff White and Carman Pirie sit down with David Kilzer, founder and principal of Strategic Transformation Advisors, to explore the convergence of artificial intelligence and advanced humanoid robotics. Drawing on more than 50 years of experience in automation, David shares why this technological shift may dwarf previous revolutions like the internet and smartphones. The conversation dives into what makes AI-enabled humanoid robots fundamentally different from traditional industrial automation, why change management and human readiness are critical to success, and how manufacturers can begin preparing today. David introduces the concept of the “Humanoid Readiness Quotient,” a framework to help organizations assess their preparedness for this emerging era. The discussion also explores open-source robot operating systems, the importance of data infrastructure, and the competitive implications of dramatically lower operating costs. This episode is a forward-looking, practical guide for manufacturing leaders who want to navigate and capitalize on the coming transformation. To hear more from David on this fascinating topic, please give his Tedx talk a look, you can find that here.

What happens when a manufacturing company applies startup thinking to one of the most conservative industrial sectors? In this episode of The Kula Ring, Jeff White and Carman Pirie are joined by Preston Wickersham, Director of Content Marketing at Giga Energy, to explore how vertically integrated manufacturing, founder-led storytelling, and “dogfooding” industrial equipment are reshaping electrical infrastructure and AI data centers. Preston shares Giga Energy's origin story, their role in powering the AI boom, and what marketers can learn from bringing SaaS-style thinking into heavy manufacturing.

In this episode of The Kula Ring, Jeff White and Carman Pirie sit down with Cody Warner, Commercial Vice President and Board Member at Deep Trekker, to explore how the company evolved its go-to-market strategy as both the market and its customers matured. Cody shares Deep Trekker's journey from hustling at trade shows with water tanks and on-the-floor sales to building highly targeted micro events focused on real-world demonstrations, training, and education. The conversation dives into digital thought leadership, customer-led case studies, community building, and why experiential marketing can outperform traditional trade shows, especially in complex B2B, B2G, and defense markets.

In this episode of The Kula Ring, Jeff White and Carman Pirie are joined by David Ceballos, Marketing Manager for the Industrial Emissions Division at Testo Instruments. Drawing on his background in automotive sales, David shares a practical, buyer-centric approach to improving lead quality in B2B manufacturing. The conversation explores how asking better questions, reducing unnecessary form friction, and respecting buyer intent can lead to more meaningful sales conversations, stronger trust, and higher-quality MQLs; without sacrificing the customer experience.

The Denver December 2025 market update reveals a shifting landscape for real estate investors. Inventory ended the year at 7,600 active units – up 10% from December 2024 but down sharply from November’s 10,500 units as sellers pulled listings heading into the holidays. The bigger story? Attached properties (condos and townhomes) surged 20% year-over-year while detached homes stayed relatively flat, signaling where market pressure is building. Then the new year arrived and everything accelerated. Chris Lopez hosts Troy Howell from Nova Home Loans and Jeff White from Envision Advisors to cover Denver’s December 2025 market update. The panel covers Denver metro year-end trends, interest rate movements, and what just happened in the first week of the new year. Over 20 small multifamily properties hit the market in just the first 8 days of January – an unusual flood of inventory during the worst season to sell. Troy reveals interest rates dropped nearly a full percentage point year-over-year (from 7.04% in January 2025 to 6.16% in January 2026) with predictions for continued decline, while data shows 6%+ mortgages now outnumber sub-3% loans nationwide, signaling the lock-in effect may finally be breaking. The panel digs into what December’s inventory patterns mean for 2026 buying opportunities, examining why motivated sellers are listing in winter and how this creates negotiation leverage. Jeff conducts live underwriting of a $750K 4-plex near South Broadway that dropped $139K in price, walking through actual spreadsheet analysis comparing house hacking (5% down, 9.39% cash-on-cash return) versus traditional investing (25% down, 5.75% return). Both strategies dramatically outperform the 1-2% market average most investors are seeing, proving cash flow still exists in Denver’s current market conditions. Watch the Youtube Video https://youtu.be/zKNDot-SdjE In This Episode We Cover: December 2025 inventory recap: 7,600 units (up 10% YoY from Dec 2024), why attached properties jumped 20% while detached stayed flat Why 20+ small multifamily listings flooded Denver in January 2026’s first 8 days during the worst selling season Interest rate trends: Down from 7.04% (Jan 2025) to 6.16% (Jan 2026), with VA loans reaching low 5% range How the lock-in effect is ending as 6%+ mortgages now exceed sub-3% mortgages nationwide Live underwriting showing $750K 4-plex delivering 9.39% returns for house hackers vs 5.75% for investors Colorado Springs new construction duplex deal with 100% VA financing and 12-month occupancy flexibility Why properties are selling at 2018-2019 price levels and what this means for long-term investors December’s data confirms inventory is building but hasn’t reached problematic levels – we’re still well below the 15,000-30,000 units seen during the 2008-2012 period. The seasonality cliff from 14,000 summer units down to 7,600 by year-end is normal, but what’s not normal is the January 2026 surge of motivated sellers listing during peak winter. Troy explains how current rates make deals pencil again after years of struggle, while Jeff’s spreadsheet analysis proves the math works for both house hackers and traditional investors. Subscribe to our reactivated deal alert emails and join our February 2026 webinar for deeper small multifamily analysis as we track how this inventory surge plays out through the year. Timestamps 00:00 – Welcome & New Year Market Update Introduction 01:43 – December Inventory Analysis: 7,600 Active Units Up 10% Year Over Year 04:15 – Why Attached Properties Jumped 20% While Detached Stayed Flat 07:15 – The January Flood: 20+ Small Multifamily Listings in 8 Days 12:47– Live Deal Analysis: $750K 4-Plex Near South Broadway (Dropped $139K) 16:23 – House Hacking Numbers: Live in Your Unit for $1,338/Month 19:20 – Investor Analysis: 5.75% Cash-on-Cash vs 1-2% Market Average 25:28 – New Construction Duplex Deal: 100% VA Financing in Colorado Springs 27:19 – VA Loan Occupancy Rule: 12 Months vs 60 Days for Conventional 33:12 – Interest Rate Update: 6.16% Down from 7.04% One Year Ago 35:06– Mortgage Lock-In Effect Ending: 6%+ Loans Now Exceed Sub-3% Mortgages 36:38 – Trump Proposes Ban on Institutional Single-Family Home Buyers Connect with our Guests: Jeff White: jeff@envisionrea.com Troy Howell: troy.howell@novahomeloans.com LinkedIn: Troy Howell Website: https://www.novahomeloans.com/loan-officer/troy-howell/ Links in Podcast For the First Time in Years, More Homeowners Have a 6% Mortgage Rate than a 3% One Subscribe to our Reactivated Deal Alert Emails Download the Free House Hacking Spreadsheet Who is Keyrenter? Keyrenter Property Management Denver provides rental solutions for homeowners and real estate investors in the metro area who are interested in transforming their properties into passive income. It offers various services, from property marketing and thorough applicant screening to tenant placement and 24/7 maintenance services. Keyrenter Denver's team of experts can take the clients’ burden of managing their rental off their hands so they can get back to what matters to them. Who is Nova Home Loans? For over 40 years, we've been focused on helping homeowners find the perfect loan to fit their financial needs and personal goals. Working with NOVA is a personalized experience from initial application to final loan closing and beyond. We will be with you every step of the way toward successful homeownership. Start working with NOVA & Troy Howell today! NOVA FINANCIAL & INVESTMENT CORPORATION, DBA NOVA HOME LOANS NMLS 3087/ EQUAL HOUSING OPPORTUNITY/8055 EAST TUFTS AVENUE, SUITE 101/DENVER, CO

In this episode of The Kula Ring, Jeff White and Carman Pirie peel back the curtain on the Q4 edition of the Industrial Buyer Pulse from Kula Partners. Drawing on insights from 258 industrial buyers across the US and Canada, they explore buyer confidence, spending priorities, shortlisting behavior, and the growing role of digital self-service and AI in supplier research. The conversation digs into what actually triggers buying decisions, how often new suppliers are winning deals, where human interaction matters most, and what supply chain risks buyers are navigating today. This episode offers practical insight for industrial marketers and sales teams planning for 2026.

Winning Performing and Complying.  Three intertwined areas when your business enters into a contract with the federal government.  This is the government contract lifecycle in a nut shell.  It is the 3 legs of a stool and without one leg, the stool is broken.   In this episode we invite you to the FPS Win, Perform and Comply Roundtable in Arlington Virginia on March 18th.  In this half day afternoon program you will hear from Nia Mahallati of Shipley, Jeff White of JA White and Associates as well as Sarah Sprockett from FPS, discussing Winning Performing and Complying in 2026.  This is the first of many roundtable discussion in 2026 and we invite you to join us and bring you input and questions!

House hacking in Colorado just paid off for 30-year-old Carly Caprio. She’s living for free in a Lakewood fourplex after completing her fourth house hack in 2025. Even better? When she moves out next year, this property will generate over $2,500 in monthly profit while she continues building her portfolio toward early retirement. Chris Lopez sits down with Carly Caprio, one of the most disciplined house hackers in Colorado, alongside regular panelists Jeff White (Envision Advisors) and Troy Howell (Nova Home Loans). Carly’s journey started with a $17,500 first-time buyer grant that made her first townhouse purchase possible despite working a nonprofit job. Since then, she’s converted properties from 3 to 5 bedrooms and 5 to 6 bedrooms, navigated challenging tenants including paranoid relapses and 3am emergency calls, pivoted to Section 8 when needed, and most recently locked up an all-brick Lakewood fourplex for $849,500 with just 5% down. What makes Carly’s story particularly compelling is her rock-solid financial discipline. Troy Howell confirms she’s increased her savings dramatically between properties while maintaining zero car payments and living below her means. The result? She’s already matched her W2 income through rental cash flow and qualified for progressively larger properties without any salary increases. Her fourplex currently rents three units at $1,750 each while she lives for essentially free in the fourth unit. Once she moves out, the projected income jumps to $7,780 monthly against a $5,454 mortgage payment. Jeff White calls Carly his “Mount Rushmore” house hacker for good reason. She didn’t chase trendy strategies or overextend herself. Instead, she executed the same proven playbook four times, learning from each property and improving her systems. When faced with disastrous tenants (one who stood in doorways watching people sleep, another who drank two bottles of tequila and one bottle of vodka within 48 hours), she adapted her screening process and converted to Section 8 rather than quitting. When friends expressed fear about living with strangers, she demonstrated how to maintain control over tenant selection while building serious wealth. In This Episode We Cover: $17,500 first-time buyer grant that launched Carly’s 4-property portfolio Why 2-4 unit properties are easier to qualify for than single-family homes How debt-to-income improves with each house hack (no salary increase needed) Converting 3-bed townhouse to 5-bed using existing egress windows Managing terrible tenants and when to pivot from rent-by-room to Section 8 $849,500 Lakewood fourplex breakdown: 5% down, 6% rate, $1,750/unit rents Living free now vs $2,500 monthly profit when she moves out Financial discipline tactics that matched her W2 income in three years Why the first property is hardest and subsequent deals get easier Female investor perspectives on safety and building wealth through house hacking And So Much More! Carly’s story proves house hacking in Colorado isn’t dead despite 6% interest rates and higher property prices in 2025. With the right financing strategy, disciplined savings habits, and willingness to sacrifice short-term comfort for long-term wealth, reaching financial freedom in your 30s remains achievable. Whether you’re a woman considering your first house hack or an experienced investor looking for inspiration, Carly’s methodical approach and honest discussion of challenges offers a realistic roadmap. Watch the YouTube Video https://youtu.be/569rUnGaVmw Timestamps 00:00 – Welcome & Guest Introduction02:33-Meet Carly: 30 Years Old, 4 House Hacks, Financial Freedom Achieved05:21– Finding Her First Property in Just 2 Showings06:44 – Wild Tenant Stories: Relapses, Paranoia, and 3AM Calls 09:30 – Pivoting to Section 8 Strategy 10:35– Property #4: The Lakewood Fourplex at $849,50012:15 – Qualifying Power: Why 2-4 Units Beat Single Family15:17 – Deal Breakdown18:43 – First 6 Weeks: Smooth Operations, Tenant Transition, Paying in Cash20:48 – Long-Term Vision Including Early Retirement and Moving to Colombia21:44 – Advice for Female Real Estate Investors25:24 – How Carly Matched Her W2 Income in Under 3 Years28:00 – First-Time Buyer Grants: $17,500 Free Money That Changed Everything29:14 – The Truth About House Hacking: First One’s Hardest, Then It Gets Easier Connect with our Guests: Carly Caprio: carly.caprio@gmail.com Jeff White: jeff@envisionrea.com Troy Howell: troy.howell@novahomeloans.com LinkedIn: Troy Howell Website: https://www.novahomeloans.com/loan-officer/troy-howell/ Who is Nova Home Loans? For over 40 years, we've been focused on helping homeowners find the perfect loan to fit their financial needs and personal goals. Working with NOVA is a personalized experience from initial application to final loan closing and beyond. We will be with you every step of the way toward successful homeownership. Start working with NOVA & Troy Howell today! NOVA FINANCIAL & INVESTMENT CORPORATION, DBA NOVA HOME LOANS NMLS 3087/ EQUAL HOUSING OPPORTUNITY/8055 EAST TUFTS AVENUE, SUITE 101/DENVER, CO

In this special episode of The Kula Ring, co-hosts Carman Pirie and Jeff White flip the script as Carman interviews Jeff about his UX and accessibility POVs inspired by the 2025 Industrial Buyer Pulse research. They explore how industrial websites must evolve to support self-serve quoting, mobile accessibility, and B2B e-commerce experiences that foster trust. Jeff discusses how integrating functionality, maintaining design consistency, and honouring complexity can transform manufacturing sites into powerful sales tools. You can find the full report here

In this episode of The Kula Ring, hosts Jeff White and Carman Pirie talk with Dan Gingiss, Chief Experience Maker at The Experience Maker, about why customer experience is the ultimate competitive differentiator. Dan breaks down his WISE framework and explains how manufacturers can apply these principles to create memorable, talk-worthy moments that drive word-of-mouth. From finding fun in everyday touchpoints to creating immersive sensory experiences, Dan reveals practical ways to humanize your brand and make every interaction remarkable.

House hacking strategies shifted dramatically in Denver's 2024 market as multifamily properties surged in popularity. This reflects new 5% down conventional financing, but more importantly reveals which house hacking strategies actually work in high-rate environments. Chris Lopez hosts Denver's most active house hacking professionals—Jeff White, Katie Heinsohn, and Troy Howell—for a data-driven breakdown of working house hacking strategies, real client case studies, and loan structuring techniques that set investors up for multiple properties rather than just one house hack.

In this episode of The Kula Ring, hosts and Kula Partners co-founders Carman Pirie and Jeff White introduce the Industrial Buyer Pulse, a new quarterly research initiative that uncovers how North American industrial buyers are thinking and behaving today. From buyer confidence and digital enablement to supplier research and supply chain resilience, Carman and Jeff share key findings that will help manufacturers shape go-to-market strategies and align more closely with the realities of their buyers' journeys.

Un tesoro escondido: descubren cientos de amatistas ocultas en la gruta del Castillo de Kroměříž. Jeff White: “En 1972 descubrí la onda corta gracias a una emisión de Radio Prague International, y me quedé escuchándola toda la noche”.

19 EU countries propose monitoring communications in the EU, but what would that mean for privacy?, Tigers in Kletečná should be turned over to the state, Minister Hladík promises “tough action” against illegal breeders, Jeff White on why shortwave radio still matters: HFCC Conference in Prague 

Naughtsie and Robbo had a wonderful, entertaining chat with former fan-favourite Jeff White, who gives Demons supporters a proper insight into why his son Kalani was so pleased with deciding to choose Melbourne over Gold Coast, while the boys also reflect on where the club is currently at and what things they need to do to improve in season 2026. Hosted on Acast. See acast.com/privacy for more information.

In this episode of The Kula Ring, hosts Jeff White and Carman Pirie talk with Rajeev Thakur, Director of Marketing and Business Development at Silanna Semiconductor. With over 25 years in the automotive industry and a unique blend of engineering and marketing expertise, Rajeev discusses navigating long, complex sales cycles, balancing highly technical conversations with business value, and adapting messaging across industries. He also shares insights on building trust in niche markets, fostering partnerships, and leveraging conferences for targeted outreach.

In this episode of The Kula Ring, Jeff White and Carman Pirie discuss how manufacturers can adapt their web presence for 2025 and beyond. They explore the impact of AI-driven search, evolving privacy rules, the critical role of site speed, and the importance of structured data and product data governance. This conversation is a practical deep dive into what it takes to stay competitive in a changing digital landscape. Guest Bio: Jeff White and Carman Pirie are the co-founders of Kula Partners, a digital agency specializing in helping manufacturers transform their marketing. Together, they bring decades of experience in B2B marketing, web development, and digital strategy.

3 Colorado investors achieved under $1,000 monthly living costs as Jeff White and Troy Howell reveal ADU, fourplex and Section 8 strategies. Analysis of actual purchase prices from $520K to $910K shows house hacking techniques that build equity while minimizing housing expenses.

Jeff White shares a message from Acts 17 titled “Paul in Athens.” We'll follow Paul into a culture full of idols and ideas, where he boldly proclaims the truth of the Gospel in the heart of Athens. Come be challenged to live out and share your faith in a world still searching for meaning.

House hackers are making critical tax mistakes that cost thousands annually while preventing loan qualification for their next property. Colorado broker Jeff White recently saved $12,000 in taxes while still qualifying for his next investment. This strategic approach maximizes deductions while keeping lenders satisfied.

What if your website could build trust instead of just chasing conversions?In this episode of The Hard Corps Marketing Show, I sat down with Jeff White, Principal at Kula Partners, to explore how brands can create digital experiences that are not only user-friendly but also authentic and inclusive. Jeff brings a designer's eye and a strategist's mindset to the conversation, sharing why accessibility, integrity, and focus matter more than ever in today's web-driven world.From avoiding shady “dark patterns” to embracing the Web Content Accessibility Guidelines (WCAG), Jeff outlines what it takes to make your website work better for everyone. He also shares insights from his own entrepreneurial journey, including how choosing to niche down in the manufacturing sector helped Kula Partners deliver more value and stand out in a crowded market.In this episode, we cover:Why authenticity builds more lasting connections than conversion tricksWhat digital accessibility looks like in practice and why it mattersThe tools every team should use to test and improve user experienceHow AI is shaping the future of web design without replacing human creativityThe power of specialization and focusing on a nicheIf you care about building better websites and stronger brands, this episode is full of practical advice and meaningful perspective.

On this episode Hannah, Chris and Ben are joined by longtime friend Jeff White as they catch up on all the latest Star Wars news! First they share their thoughts on Mark Hamill's recent comments and whether or not he will return as Luke Skywalker in the future. Plus, will Dave Filoni and Carrie Beck succeed Kathleen Kennedy as co-presidents of Lucasfilm? Is a Ryan Reynolds-helmed R-rated Star Wars movie a good idea? And is Rian Johnson's Star Wars trilogy ever going to see the light of day? We'll attempt to answer all of those questions and more! Join the Star Wars Underworld Network DiscordSubscribe on YouTube Subscribe on Spotify Subscribe and Review on Apple Podcasts Facebook: www.facebook.com/swunderworld Twitter: @TheSWU Email: swunderworld@gmail.com

On this episode Hannah, Chris and Ben are joined by longtime friend Jeff White as they catch up on all the latest Star Wars news…

The boys had a chat with former Demons ruckman Jeff White about First Use his his online coaching platform dedicated to developing ruck craft and helping aspiring players & coaches elevate their game through expert guidance, analysis, and skill development. The boys then dissected the disappointing loss to the Saints in Alice Springs.

Send us a textWhat would you do if your retirement dream turned into a nightmare?In this gripping episode of The FORGE Truth Podcast, Pete Alwinson and Jayson Quiñones talk with Jeff White, who shares the jaw-dropping true story of how he and his wife Connie were ambushed by armed men in Mexico—and how God's hand was evident through every moment of terror, confusion, and grief that followed.From being hijacked and left on the side of the road to navigating corrupt systems, medical trauma, and the eventual loss of his beloved wife, Jeff's testimony is a raw and powerful reminder that God never leaves us.

Ryan Odom is back in the college town where he lived for seven years as a boy, this time as head men's basketball coach at UVA. With show host Jeff White, Odom discusses his first seven weeks on the job.

In this episode of The Kula Ring, Casey Cheshire introduces the concept of "Disconnected Marketing," the slow, creeping separation between marketers and their customers caused by over-reliance on tech and automation. Casey shares how launching a podcast helped him reverse that disconnect by creating real, human connections with customers, starting relationships with generosity rather than a sales pitch. Alongside hosts Carman Pirie and Jeff White, Casey explores the importance of knowing your customers by name, and even more critically, understanding their real pains and challenges. They discuss how podcasting serves as a powerful tool to foster reciprocity, build authentic relationships, and bring marketing teams back to their foundational role as the voice of the customer. For B2B manufacturing and beyond, this conversation is packed with insights on how marketers can reconnect with the people they serve and create genuine growth opportunities.

In times of economic uncertainty, many manufacturers instinctively pull back on marketing, but according to Una de Boer, that's exactly the wrong move. In this episode of The Kula Ring, Una joins hosts Carman Pirie and Jeff White to challenge the idea that marketing should take a backseat when times get tough. She shares practical, data-driven strategies for manufacturers looking to grow revenue through diversified customer bases, without breaking the bank. From assessing existing customer data for hidden opportunities to taking the first steps into international markets through scalable digital campaigns, Una outlines how B2B manufacturers can move beyond their comfort zones with confidence, securing new business from a wider variety of geographies and cultures. She also explores how changing markets can help revitalize core marketing efforts and why now might be the perfect time to reexamine product-market fit. Whether you're trying to get your leadership team to see the value of investing in marketing or looking to extend your brand's reach globally, this episode is packed with actionable advice for growth-minded marketers.

On this episode Joel Davis and Jeff White take over the show to discuss all the latest Star Wars news! Ben eventually joins later to discuss The Star Wars Underworld's 15th anniversary along with some major book announcements and updates for Andor Season Two. They also get deep into some Ask SWU questions, debating which season of Star Wars television is the strongest, as well as which Star Wars spacecraft they're most likely and least likely to fly. Plus, Hondo Ohnaka is coming back, but how? Could Rogue One deleted scenes make it into Andor? And did Darth Vader actually get redeemed in Return Of The Jedi? Tune in for all that and so much more! Join the Star Wars Underworld Network DiscordSubscribe on YouTube Subscribe on Spotify Subscribe and Review on Apple Podcasts Facebook: www.facebook.com/swunderworld Twitter: @TheSWU Email: swunderworld@gmail.com

On this episode Joel Davis and Jeff White take over the show to discuss all the latest Star Wars news! Ben eventually joins later to discuss The Star Wars Underworld's 15th anniversary…

Jeff White, chief of Richmond Lenox EMS. Bipartisan Supplemental Budget Bill introduced to reimburse agencies for unpaid emergency services to Michigan prisons. EMS providers applaud state representatives for prioritizing health and safety of Michigan communities

CPF Director Bob Shrum joins immigration experts, Andrew Arthur, Steven Davis, Deisy del Real, Ed Goeas, and Ehsan Zaffar, for a discussion on the future of immigration policy. They discuss the current immigration system and policies, amnesty, immigrant's contribution to the U.S. economy, and immigration reforms possible in today's political climate. We are immensely grateful to Sue and Jeff White for launching this nonpartisan dialogue series at USC. Featuring: Andrew Arthur: Resident Fellow in Law and Policy at Center for Immigration Studies Steven Davis: Senior Fellow and Director of Research at the Hoover Institution, Senior Fellow at the Stanford Institute for Economic Policy Research (SIEPR) Deisy del Real: International Migration Scholar; USC Assistant Professor of Sociology Ed Goeas: Republican Pollster and Strategist, Spring 2025 Fellow; USC Center for the Political Future Ehsan Zaffar: Professor at ASU's College of Law; Executive Director, The Difference Engine; Civil Rights Attorney Bob Shrum: Director, USC Center for the Political Future; Warschaw Chair in Practical Politics, USC Dornsife