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2 hour and 25 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Central Michigan Starts at 1:00 Michigan's biggest blowout since the 2016 Hawaii game. This game was trending towards a total rutger for a while and was a nice palette cleanser. More Biff Poggi interviews, please. Listen for the Chip's chips. Do we think "Sherrone's not here so let's play with the kids"? Who's your Crippen comparison, Andrew Vastardis? David Molk? This is what Bryce Underwood looks like when he's not under siege. What did Bryce see on the interception? He had someone open. One of the special things about Bryce is he can just go and get you 20 yards on the ground. Is he putting a little extra zip on the ball? McCulley had a couple nice catches, other guys need to catch the ball. Running backs did a better job of re-gapping in this game. The offensive line had a nice day with some [redshirt] freshman mistakes. Jadyn Davis played several drives with no passes.  [The rest of the writeup and the player after THE JUMP]  2. Defense vs Central Michigan Starts at 44:32 Couldn't quite get a total rutger but felt like it would for a while. They played a 3-4 for most of this game. Jaishawn Barham found the backfield a lot. Manuel Beigel had some meaningful time in the first quarter. Central Michigan ran a lot of down G. A lot of guys were hurt in this game but backups looked good. Michigan has a little Channing Stribling now. Rolder was up and down but had some good stops. Does Biff even understand Batman's hero abilities work??  3. Hot Takes, Game Theory, and Special Teams Starts at 1:05:11 Takes hotter than the Georgia Tech radio announcer after the bees hit a fire drill field goal from 50 yards and they SOUNDED EXACTLY LIKE THIS. There's a list of things you can't bring into the stadium but they're handing out versions of the thing! Someone teach the students how to do the wave and when to do it, we didn't even get a fast or slow wave. And not when the game is happening! We like Jake Butt as a commentator. What's Semaj's plan when he's fielding punts? Definitely a sad field goal.  4. Around the Big Ten with Jamie Mac Starts at 1:38:31 Too many Big Ten teams so notes are reduced. Nebraska 59, Houson Christian 7 Maryland 44, Towsend 17 Penn State 52, Villanova 6 Penn State is struggling to convert on 3rd down on Drew Allar's arm. Rutgers 60, Norfolk State 10 Iowa 47, UMass 7 Indiana 73, Indiana State 0 ISU with 77 total yards, not a total rutger. Oregon 34, Northwestern 14 Most of Northwestern's yards were in the 4th quarter while down 34-0, but Northwestern had a pulse at times. Alabama 38, Wisconsin 14 No Billy Edwards in this game. Wisconsin couldn't do anything, this was a debacle. If they don't beat Maryland, do they get a win the Big Ten? USC 33, Purdue 17 It wasn't particularly close, but Purdue had some long drives (that ended in picks).  Michigan State 41, Youngstown State 24 This was a bit of a game for a little while?? Michigan State was always in control but gave up some big plays. The Spartans lost some starters to injuries. Ohio State 37, Ohio 9 The score looks close but it was not. Ryan Day's decision making kept the scoring low. Illinois 38, Western Michigan 0 Is Illinois really a top 10 team? Which Memorial Stadium is the real Memorial Stadium? California 27, Minnesota 14 A game that was fairly even statistically except for a couple turnovers.  New Mexico 35, UCLA 10 UCLA is BAD bad, and they fired their coach. This was not a fluke. New Mexico got pressure on 52% of Nico's dropbacks. The Big Sky says "no thanks" to adding UCLA. 

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Jim Cherewick THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- 1. CMU Preview: Offense starts at noon They rotate a LOT. Get ready for two offensive lines, three quarterbacks, and a lot of Iowa from the former Army OL coach whose YouTube clinics have been a staple of my learning diet. Fullbacks! 2. CMU Preview: Defense starts around 15:02 MAC version of Hutch, or a poor man's Braden McGregor is Holdman, the SDE who has to play B-gaps because they don't have the size. They're in a 404 Tite and they're aggressive, so expect something like the Army 2019 game. 3. Oklahoma After Review: Offense starts around 26:10 What it looked like on first watch. Frustrating that we don't have answers for Dantonio stuff. Felt like Hoke era offense. OL was okay save for Zack Marshall; he wasn't ready and we missed Marlin Klein. RBs were not pressing gaps, Haynes missed blocks in pass pro. 4. Oklahoma After Review: Defense starts at 44:43 Couldn't fit the QB run game. A lot of that was unbalanced, and Michigan didn't use the same response to that as usual, probably because Jayden Sanders was at corner and they didn't want him to be the free safety. Some Dammit Wink but I expect Guy to chip. Weirdly bad games from Benny, Guy, Moore. A little worried that Tre Williams still thinks he's a Clemson d-tackle.  Featured Artist: Jim Cherewick A local artist, writer, and musician, Jim Cherewick has been involved in a lot of projects around town—Gymsee, False Figures, Best Exes, Piner, Wicker Chairs, and Congress. I discovered him because I liked his watercolors, and then saw he's playing at the Pig with Cattywampus in October so I started checking out his stuff and have been writing to it all week. It's all indie but all sounds different—the best way I can describe it is you start with a guy and a Fender and add a My Bloody Valentine slider that goes all the way up (Congress) or down (Wicker Chairs). I chose a spread to show what I mean. I'm still in discovery mode here but hope you'll join me. Songs: "Death Wagon"—Jim Cherewick "Urgency"—Wicker Chairs "Pile of Me"—Congress Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

6 Common Newbie Lender Mistakes - #298 In this episode of the Private Lenders Podcast, Jason and Chris break down 6 common mistakes new private lenders make—and how to avoid them. Whether you're just starting out in hard money lending or have years of experience under your belt, these lessons are crucial for protecting your capital and building a sustainable lending business. From trying to fund every deal that comes across your desk to lending in markets or property types you don't fully understand, these pitfalls can cost lenders serious money. We also discuss the dangers of overleveraging, working with the wrong capital investors, and skipping proper attorney-reviewed docs and title work. ✅ What you'll learn in this episode: Why you don't need to do every deal that comes your way The risks of lending in markets you don't know How to avoid costly mistakes with unfamiliar property types Why high leverage loans can wipe out your profits Red flags when working with capital investors The importance of attorney title review and document prep Whether you're a newbie lender looking to shorten your learning curve or an experienced private lender who wants to tighten up your processes, this episode is packed with insights to help you protect your investments and grow your lending business.

In this episode of the TMA Chicago/Midwest Podcast, Managing Director and Head of Loan Administration at CIBC Bank USA Hugh Wilder sat down with host Paul Musser to discuss the intricacies of lender workouts and the importance of early intervention regarding distressed credits. Hugh shared his insights on the workout process at banks, current trends in refinancing and distressed mergers and acquisitions (M&A), and the challenges that he is seeing with distressed borrowers. Additionally, they delved into the significance of building relationships within the restructuring community, with Hugh advising junior professionals to be patient and persistent, emphasizing that they should focus on building trust and experience over several years to develop credibility among their industry peers.

Private lending in Australia is experiencing a boom, creating new opportunities for brokers and borrowers. But what should brokers look for in a private lender partner? In this episode of In Focus, we speak with Joseph Eichenblatt, co-founder and managing director of Equity Access, to unpack the private lending landscape and explore how brokers can effectively use these solutions to help their clients. Tune in to find out: The current trends driving the growth of private lending. The types of financial voids private lenders can fill. How Equity Access' new “Hyperbridge” product can help brokers and their clients. And much more!

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

1 hour and 48 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Oklahoma Starts at 1:00 How bothered/upset are you right now? Seth says this game was 2004 Notre Dame. It feels like they're playing for 2027 but you need some momentum if you want to get more wide receivers. You want Bryce Underwood to let it rip but instead the offense played way too conservatively. Michigan didn't keep it close, Oklahoma kept shooting themselves in the foot to keep Michigan in this game. Oklahoma knew Michigan would run a bunch of freshman quarterback plays and blew them all up. It's possible that Michigan didn't drop back much because they offensive line couldn't give Bryce enough time and the coaches knew this. Maybe the coaches are just trying to keep Bryce from getting hurt and that means playing conservatively in a non-conference game. Why are there so many runs and screens on 3rd down? Just throw it on 3rd and long and see what happens. How much of the Jim Harbaugh stuff is sustainable without literally Jim Harbaugh? Sometimes Crippen just isn't strong enough for his assignment.  [The rest of the writeup and the player after THE JUMP]  2. Defense vs Oklahoma Starts at 29:45 That felt like it should've been about 24 points. John Mateer also did some incredible things and came up positive in the random number generator game. Michigan wasn't able to get after Oklahoma's freshman left tackle. There was some cute Wink stuff again that the personnel couldn't execute. He reverted back to some of his ways from early last year. When Oklahoma did run it up the middle the defensive line was what you wanted it to be. Overall, the defense was okay, just not #1 defense in America okay. TJ Guy getting shut down by a true freshman tackle says "we're just not there." Was there much of a difference with and without Jaishawn Barham? Oklahoma seemed to adjust to his absence but Michigan didn't.  3. Hot Takes, Game Theory, and Special Teams Starts at 53:11 Takes not quite as hot Billy Napier's hot seat. Number changes must be approved by a sickos committee (unless it is to make the quarterback #98). Michigan elected to kick from the plus 38 yard line, this is indefensible when you have Zvada. The point of being Michigan is that you can get that 4th and 2. Sherrone should be old and young enough to have played Madden from the age of six. Go let Zvada (and all the guys who make plays) go make the plays they're supposed to make. There was no mention of Semaj getting targeted and looking woozie. In case you're wondering the difference between running into the kicker and roughing the kicker... that was roughing the kicker.  4. Around the Big Ten with Jamie Mac Starts at 1:21:51 Too many Big Ten teams so notes are reduced. Penn State 34, FIU 0 Indiana 56, Kennesaw State 9 Minnesota 66, Northwestern State 0 Minnesota running back Darrius Taylor went out with an injury. Ohio State 70, Grambling 0 Nebraska 68, Akron 0 It should be a little bit easier to run against Nebraska than Oklahoma at least. Wisconsin 42, Middle Tennessee 10 This game was actually close for a while. Wisconsin couldn't run the ball well at all. USC 59, Georgia Southern 20 USC with 11.3 YPP through two games. They have one touchdown per 6.5 snaps. Washington 70, UC-Davis 10 Northwestern 42, Western Illinois 7 Purdue 34, Southern Illinois 17 Illinois 45, Duke 19 Duke is not a terrible ACC team, they outgained Illinois. How valid is Illinois being ranked #11? Duke had five turnovers. Illinois got a first down after Duke had two guys wearing the same number on a punt. Iowa 13, Iowa State 16 This was a perfect rendition of ¡El Assico!. Zero explosive plays between both teams. Neither team got to 300 yards of offense. The same guy kicked the same game winning field goal for the 2nd year.  Rutgers 45, Miami (NTM) 17 Rutgers has scored on 12 of their 16 drives this year. There's a legit passing attack here. Oregon 69, Oklahoma State 3 Mike Gundy complained before the game that Oregon spent a lot of money on their players. Then oh no! Oklahome State is an OSU that looks too much like Oregon State apparently. Michigan State 42, Boston College 40 (2OT) Aidan Chiles can be anything in any given week and this week was Good Aidan Chiles. Is Michigan State's pass defense worse than Fordham's? UNLV 30, UCLA 23 Going to UCLA is telling on yourself. UNLV's first win over a "Big Ten" team in 22 years. Alex Orji's only appearance was one running play. Maryland 20, Northern Illinois 9 Would you rather take the Maryland job or the Virginia Tech job? Would you rather have mayo dumped on you or lose the Mayo Bowl? MUSIC: "What's the Move"—Friendship "After the Flood"—Jesse Woods "Take My Heart"—Florry “Across 110th Street”—JJ Johnson and his Orchestra   

Luke 7:40-50

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Booster THE VIDEO: [After THE JUMP: Things to be said.]  --------------------- 1. Oklahoma Preview: Offense starts at noon It's John Mateer doing Tate Forcier things in an RPO-heavy system that meets its greatest challenge yet in a defense that doesn't give you any easy reads. Can their haphazard OL with one or two true freshman hold up to Michigan's DL? Can Michigan force Mateer into mistakes? Are his receivers enough to get open for him? Fascinating matchup. 2. Oklahoma Preview: Defense starts around 12:20 The other side of our Spiderman Pointing: their defense is Legit. Venables defense is the older cousin of the Don Brown system: it's 50% Don Brown's cover 1, which he calls "Brown" and 50% Dantonio's quarters. The DL get upfield in a hurry and the LBs have to make them right, but there's always a safety or two involved in the run fits to collect when you break outside. Best way to attack it is CJ Stroud and NFL receivers but we're probably not there yet. He has two hybrid OLBs so he doesn't get Devin Gil'd but those guys might be susceptible to some Bredesoning. 3. New Mexico After Review: Offense starts around 12:45 This is where we talk about Bryce Underwood. 4. New Mexico After Review: Defense starts around 1:10 PM This is where we talk about College Crappe. Featured Artist: Booster Detroit born (East side in August 1990), and Detroit educated, Booster was exposed to music from an early age from his artist/performer mother, which you can tell because his music is dripping with 1960s (you'll hear that Motown cooing in All Night Long) and 1970s (the funk in Real City) Detroit, and honed himself at the Detroit School of Arts and the music program at Kentucky State University. He's changed his approach several times in his career, but the throughline is his creativity. A musician's musician, Booster is the guy a lot of local creators get their ideas from—like how all the rock bands in Ann Arbor in my day were obsessed with At the Drive-In. You can read more about him here and check out his socials: Ig: @imyourboost YouTube: imyourboost Facebook: @imyourboost Songs: All Night Long    Box    Real City    Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

Seth Weissman — founder and managing partner of Urban Standard Capital, a real estate private equity firm — discusses what many see as an impending interest rate cut from the Federal Reserve. If it comes to pass, how will it play in the real estate community. He offers a scenario, as well as some thoughts on Trump administration tariffs. (09/2025)

Seth Weissman — founder and managing partner of Urban Standard Capital, a real estate private equity firm — discusses what many see as an impending interest rate cut from the Federal Reserve. If it comes to pass, how will it play in the real estate community. He offers a scenario, as well as some thoughts on Trump administration tariffs. (09/2025)

Seth Weissman — founder and managing partner of Urban Standard Capital, a real estate private equity firm — discusses what many see as an impending interest rate cut from the Federal Reserve. If it comes to pass, how will it play in the real estate community. He offers a scenario, as well as some thoughts on Trump administration tariffs. (09/2025)

Join Rick Ormsby and Derek Ball from Unbridled Capital alongside Mike Eagen from Synovus Bank as they discuss the following topics: - Macroeconomic outlook for franchise loans right now? - How have terms changed? - How are credit/risk-making decisions right now? - Which brands are performing well? - Second-half outlook for rates, leverage, and loan volume

This week, host Hal Humphreys sits down with Nathan Funston of The Federal Savings Bank to unpack the pros and cons of AI in the valuation process. Nathan shares insights from his recent Valuation Expo presentation, covering the biggest opportunities for efficiency and consistency, as well as the risks and pitfalls appraisers need to be watching closely. Plus, he tells the story of a wild appraisal addendum that recently crossed his desk and offers a lender's perspective on what appraisers could do to make their reports stronger.At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday! You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.

2 hours and 40 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs New Mexico Starts at 1:00 When's the last time you've ever seen an offensive lineman run away from a fight? Probably the funniest thing all night. New Mexico came out like they wanted to make a statement for a new era of New Mexico, and they may have an endless well of College Crappe that they can run. Let's talk about Bryce Underwood, it took one game for Brian to become a believer. Bryce just turned 18 but we're making critiques that you would make about juniors and seniors. He's got a thing for parabolic arcs. We're finally seeing the Semaj Morgan we hoped to see when he was a sophomore. The whole stadium stopped and turned to Brian on the play action pass to Max Bredeson. Bryce is very accurate when he can throw in the pocket, if Channing Goodwin hadn't put his hands up the ball would've just gotten stuck in his facemask. They're not running Bryce but then he's throwing a monster block with his throwing shoulder. Offensive line kept Bryce from getting lit up so that's a W, especially against a couple decent transfer edges. So was Justice Haynes worth the price? Overall, Channing Goodwin was encouraging. Fred Moore had a bad drop.  [The rest of the writeup and the player after THE JUMP]  2. Defense vs New Mexico Starts at 51:04 A little tricky to grade the defense. They gave up some stuff but some of it was aided by the officials. Wink seemed to struggle with the College Crappe a bit, but Ohio State doesn't run that and you need Wink to beat Ohio State. QB Jack Layne was a fearless dawg who kept getting back up all game. Michigan had a lot of rotation all game. Brandyn Hillman hit a guy hard enough that you didn't need Grapentine to tell you who it was, Jyaire Hill got beat. Enow Etta played more than was expected. Seth got deported from the Vatican once. Jaishawn Barham is probably the worst person to get hit by on this team. The defensive line doesn't have a superstar but it's deep like the 2022 line.  3. Hot Takes, Game Theory, and Special Teams Starts at 1:17:56 Takes hotter than Michigan Stadium after Jaishawn Barham got ejected. Michigan punted on 4th and 1 on their own 49, three thumbs down. Andrew Marsh fumbled a kickoff and hesitated on one he brought out but he's a true freshman so it is what it is, it'll get better. Hudson Hollenbeck was fine, there's room for improvement. Discussing the targeting call, note that this was recorded before the "upheld" decision. Oops, we've been pronouncing "Sprague" wrong apparently. Maybe we midwesternized his name.  4. Around the Big Ten with Jamie Mac Starts at 1:58:00 There are too many Big Ten teams so there are fewer notes for some games. Purdue 31, Ball State 0 Maryland 39, FAU 7 The Maryland freshman QB looks pretty decent. Total yardage was somehow even. Penn State 46, Nevada 11 Penn State might be a boring team to watch until they play Oregon. Iowa 34, Albany 7 The Iowa QB was still pretty pedestrian. Oregon 59, Montana State 13 USC 73, Missouri State 13 Welcome to the FBS, Missouri State. Illinois 52, Western Illinois 3 Northwestern 3, Tulane 23 Preston Stone had -42 rushing yards. The Northwestern head coach says to "believe in this quarterback". Indiana 27, Old Dominion 14 This Indiana team feels less explosive compared to last year. Washington 38, Colorado State 21 Jonah Coleman had 177 rushing yards on 24 carries, the Huskies are looking more explosive this season. They could be Pacific Chaos Team but their defense is still suspect.  Utah 43, UCLA 10 "Committing to UCLA is telling on yourself", Nico Iamaleava was 11/22 for 136 yards, 1TD/1INT. UCLA is still who they've been. Utah was 14/16 on 3rd down conversions. Michigan State 23, Western Michigan 6 Michigan State struggled to stop Western's edges. 138 yards in the last nine drives isn't great. MSU did get a 21-0 lead early, though. Rutgers 34, Ohio 31 Not a great start for Rutgers. Overall, an exciting game. Minnesota 23, Buffalo 10 This is much more of a blowout than the score indicates. Minnesota QB is 19/35 for 290 yards (2TD/1INT). Buffalo is a good MAC team, too. Wisconsin 17, Miami (Oh) 0 Billy Edwards is injured and Wisconsin struggled to move the ball. But Miami struggled more. Nebraska 20, Cincinnati 17 Dylan Raiola was 33/42 for 243 yards but it was mostly to the backs. Former Indiana QB Brendan Sorsby was the Cincy QB that threw the final interception. Half the event was that Taylor Swift was here. Ohio State 14, Texas 7 336 yards for Texas, 203 for Ohio State. The Buckeyes can't really run the ball. There was some "oh no" from the Ohio State fans. Texas got stopped four times on 4th down, twice inside the 10. Texas also has two massive facemask penalties. Ohio State also had weird drops from the receivers. When's the last time Ohio State had less than 200 yards of offense? MUSIC: "Sunday Eve"—Bonnie Calista "Spin Me Around"—The Marias "River Song"—Dennis Wilson “Across 110th Street”—JJ Johnson and his Orchestra   

From First-Time Buyers to Founders: How Gen H Is Rewriting the Mortgage Rulebook Hello and welcome back to another episode of The Mortgage Mum podcast. What happens when two would-be first-time buyers look at Britain's housing market and decide to fix it rather than squeeze into it? On this episode of The Mortgage Man Podcast, Sarah sits down with Will Rice, Co-Founder and (until recently) CEO of Gen H, to unpack the extraordinary story of channeling a first-home deposit into building a new kind of mortgage lender. Listen to this episode, out now on The Mortgage Mum Podcast - directly on our website or wherever you get your podcasts! www.themortgagemum.co.uk/podcast If you would like to reach out to Sarah, Founder and CEO at The Mortgage Mum please email sarah@themortgagemum.co.uk or call 01702 887426.

Need a hand? Need some help sourcing your next investment property? 

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Magic Toaster THE VIDEO: [After THE JUMP: Things to be said.]  --------------------- 1. New Mexico Preview: Offense starts at the top They've got a very 2022 Colorado State vibe after importing a Big Sky team. We like their Big Sky RBs better than MSU's. Mikey Keene-ish QB wasn't the reason they gave Oregon trouble. 2. Preview in Review: Defense starts at 11:24 The wily open defensive end is. The rest of lines and their secondary are terrible, save a Bruce Feldman Freak who had six kick return touchdowns in the FCS. 3. Preview in Review: Defense starts at 22:58 We're so into Metcalfs. Shark Teeth mode now with players behind players. Only thing is they don't have so many superstars—just good guys all around. Can Jyaire Hill step forward into one? Benny? Derrick Moore is the one EXTRA guy that we can't lose. 4. Preview in Review: Offense starts at 35:50 Surviving Evan Link. Featured Artist: Magic Toaster Songs: Saturday Night Anything's Fine Blue Night Oberon Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat  

#90: Welcome to The Lender's Playbook episode 90!,  I'm your host, [Your Name], and today we've got a very special episode. But first a quick yet timely announcement!The American Lending Conference is just around the corner—next week, September 3rd–4th at the beautiful Green Valley Ranch in Las Vegas. This national event is where lenders, brokers, investors, and industry experts come together to connect, learn, and grow.In today's episode, we're joined by Chris Donovan from Doss Law, who will be taking the stage at the conference to share some powerful insights on multi-state expansion and the legal strategies lenders need to know. We'll talk about the challenges, the risks, and the smartest ways to grow your lending business with the right structure in place.So, whether you're attending the conference or just tuning in from home, you're going to walk away with real, practical advice you can apply right away. Let's jump in.”

Welcome to another episode of Learn With A Lender with Christian Bachelder! In this episode Christian current mortgage rates and fed rate predictions. Christian also shares real estate investment strategies focusing on tax benefits of real estate investing. Next, Christian discusses builder and development market trends and challenges in new home construction and sales. Last, Christian discusses short-term rental market and opportunities in vacation destination properties. If you'd prefer to watch this interview, click here to view on YouTube!  Christian Bachelder can be reached at Christian@theonebrokerage.com. This episode is brought to you by Real Geeks and Courted.io.

This week we are debunking the common myth that the QS is your friend - this is not the case, especially when it's the Lender's QS. Find out more now!You can also watch on YouTube:https://youtu.be/mW8rWDd_7Jo▶︎ Website - www.thepropertyfinancecollective.co.uk▶︎ The Host - With a passion for creative finance and the ability to structure deals for Finance, I love helping first time Developers and Investors to get deals packaged for the finance needed to push Property Careers forward, and to date I have raised over £250 million for Developers and InvestorsI first got into property at the age of 18 when I got into Conveyancing straight out of school. I then went into Estate Agency, back into Conveyancing and I then got into brokering at the age of 22. I decided a year and a half later that I wanted to work for myself and try and shake up the market place! At the age of 24 I set up The Property Finance Guy and became the youngest owner of a Commercial Finance Brokerage in the Country, and alongside this I now also have a successful Training Company, educating Investor and Developers on how to raise finance, and a successful Podcast.I am a keen public speaker and have delivered training and speeches to over 1000 investors and developers over the past 2 years.Follow Michael:▶︎ Facebook - https://www.facebook.com/thepropfinguy/▶︎ Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/thepropertyfinanceguy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ LinkedIn - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/michael-primrose-886a365b/?originalSubdomain=uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Listen to the Podcast on:▶︎ Apple Podcasts - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/gb/podcast/the-property-finance-podcast/id1448207494⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ Spotify - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/7JiDtm7hc0EfSW9LjCXDaO⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ YouTube - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://youtube.com/@thepropertyfinanceguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ Disclaimer - With the market changing so quickly, the content could be out of date at the time of listening.This Content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice.

Built primarily for institutional-grade clients,  Pareto delivers customizable on-chain credit markets designed to expand DeFi liquidity and TradFi tokenization through structured yield strategies tailored to diverse risk profiles. Pareto allows its users to construct individualized credit lines in specific risk-ajusted tranches, with custom: interest rates, lockup periods, withdrawal cycles, reserve ratios, etc. In addition, Pareto's USP is an yield-bearing synthetic stablecoin, fully backed by major stablecoins, that can be deployed into a diversified portfolio of liquid, short- and long-term credit, thus increasing capital efficiency.Topics covered in this episode:Matteo's backgroundIdle Finance yield optimizationPivoting to ParetoInstitutional borrowers in early DeFiCompetitive advantage of ParetoOutsourcing underwritingManaging defaultsCustomized lendingKYC requirementsTimeline terms ‘marketplace'USP, Pareto's synthetic yield-bearing dollarLegal framework & credit allocatorsUSP yield, liquidity & integrations‘Opaque' credit vs. DeFiPareto smart contracts and redeemsSuccess in on-chain credit marketsEpisode links:Matteo Pandolfi on XParetoPareto on XIdle Finance on XSponsors:Gnosis: Gnosis builds decentralized infrastructure for the Ethereum ecosystem, since 2015. This year marks the launch of Gnosis Pay— the world's first Decentralized Payment Network. Get started today at - gnosis.ioChorus One: one of the largest node operators worldwide, trusted by 175,000+ accounts across more than 60 networks, Chorus One combines institutional-grade security with the highest yields at - chorus.oneThis episode is hosted by Friederike Ernst.

On this month's Host Planet Mortgage Podcast, Joe Stallard from House and Holiday Home Mortgages walks holiday let owners through the practical steps that make a mortgage application faster and stronger. From the very first checklist – ID, proof of address, income evidence, and bank statements – to how lenders read those documents, Joe explains what underwriters look for and how small oversights can slow everything down.The conversation also covers real sticking points: proving income (employed vs self-employed), what lenders want to see on bank statements, how applications change for expats and other special cases, and why affordability is assessed differently from lender to lender. Joe breaks down concepts like top slicing (combining rental income with personal salary), proof of deposit, and whether the recent base rate cut is filtering through to products yet – so you know what to prepare and what to expect.Key takeaways:1. Preparation = speed and confidence. Have core documents ready before you speak to a lender: photo ID, proof of address, last three months' bank statements, income evidence (payslips/P60 for employed; SA302s/tax calculations, tax year overviews and accounts for self-employed), plus any supporting info a broker requests. Clean, complete paperwork can materially improve your application timeline.2. Affordability isn't one-size-fits-all. Holiday let lenders model affordability in different ways. Some lean heavily on projected rental income, others assess personal affordability and may allow top slicing (using salary to support the loan). Expect extra questions if you're an expat or have complex circumstances – answering them well can open up more options.3. Know your proof-of-funds and the market context. Be ready to evidence the deposit (savings trail, equity release, gift letter, etc.). Joe also explains how to think about product choice around a base rate cut – headline rates can move, but criteria and documentation standards still rule the day, so focus on a clean, complete application to secure the best available terms.1:18 Getting your documents ready can have a big impact on your application1:51 The documents you need to get started2:59 Proving your income 3:58 Proving your income when self-employed5:18 Bank statement essentials 6:28 Lender questions in special circumstances, such as expat customers7:26 Affordability for holiday let mortgages 9:33 Lender approaches differ in relation to affordability 11:14 Some lenders consider ‘top slicing' by looking at rental income and salary11:56 Proof of deposit 13:35 Has the base rate cut had an impact on products?Host Planet: https://www.hostplanet.club/James Varley: https://www.linkedin.com/in/jdsvarley/Joe Stallard: https://www.linkedin.com/in/joe-stallard-9b462429/House and Holiday Home Mortgages: https://www.hhhmortgages.com/host-planetEpisode to check next: Holiday Let Mortgages Explained: What You Need To Know: https://www.youtube.com/watch?v=EeiKXfMDLq8&t=1sHost Planet Mortgage Podcast is presented by James Varley, a holiday let investor and property manager who is also the Founder of Host Planet. Before founding Host Planet, James spent 20 years in the media, including a decade leading corporate communications for the FIFA World Cup Qatar 2022.Contact the show: info@hostplanet.club#HostPlanet #HostPlanetPodcast #HostPlanetBitesize #ShortTermRentals #VacationRentals #HolidayLets #Airbnb #BookDirect #PropertyManagement #PropertyInvestment #BookingCom #Vrbo #HolidayLets #HolidayLetMortgage #Mortgages #JoeStallard #JamesVarley

What do Bad Bunny, Patrick Mahomes, and Steph Curry have in common? They're not just stars in music and sports—they're also among the top celebrity investors. We'll dive into the numbers and reveal the surprising ways these names are generating serious returns. From luxury real estate to endorsement deals to intellectual property, their stories highlight an often-overlooked lesson: the power of diversification.It's also that time of year when property tax bills hit mailboxes—and homeowners feel the pinch. That sparked a bigger conversation: should you manage your own insurance and tax payments, or let your lender handle it through an escrow account? We'll unpack how escrow really works, the buffers mortgage companies require, and whether handling it yourself could save you money.And after the break, we'll tackle the markets. From this week's volatility to the ongoing debate over inflation, the likelihood of interest rate cuts, and whether we're in an AI bubble, we'll cover what's driving investor sentiment. Plus, we'll look at earnings from retail giants like Walmart and Target, and why some big-name tech stocks are shifting from growth stories to value plays—even with sky-high valuations.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.Henssler Money Talks — August 23, 2025  |  Season 39, Episode 34Timestamps and Chapters5:30: Celebrities Crushing It as Investors14:22: Property Taxes18:06: Escrow: DIY or Leave It to the Lender?39:17: Volatility, Interest Rates and Tech as Value Follow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial.Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

2 hours and 13 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Noncon and Big Ten: The Bottom Four Starts at 0:54 New Mexico. Former Wisconsin player who was at Idaho takes over, brings the QB and the DE who gave Oregon problems last year. Keegan Johnson used to play at Iowa. Oklahoma. Spiderman pointing game. Their defense was great and their offense just as terrible. Mateer the savior doesn't have WRs and his OL is highly recruited and young. They spent a lot for Damonic Williams at DT, have a great FS and iffy corners. Punting and arm-punting is winning? CMU. New coach is the former Army OL coach, interesting dude who sends his coaches home at 5pm, got all local coaches because he wants to be there a long time. Got an Iowa QB. #18: Purdue. Odom: Why? Team was falling apart already under Walters and got gutted. Multi-year rebuild. #17: Maryland. Walking Locksley to the gallows season. Inexplicable receiver depth is gone. Jalen Husky (from Bowling Green) and secondary is the relative strength of the defense. How much will Maryland seriously try to compete in this sport or just throw their House money at basketball? #16: Northwestern. The2021 running backs are still there. Caleb Tiernan how do you not come home? Edges Hubbard and Anto Saka (getting draft hype) are good. Dillon Tatum late transfer followed Harlon Barnett. Receivers are gone though. #15: UCLA. Encouraging second half last year, new belief in Deshawn Foster. But they're back to rebuilding from the portal, look like they have to do that every year. Only 2/15 players with 200+ snaps returned. Did get Nico Iamaleava. They have some access to money, but where's it going? Jalen Berger is their RB!   [The rest of the writeup and the player after THE JUMP]  2. The Big Ten Middle Starts at 34:54 #14: MSU. Defense takes a step back, offense takes a step forward, Aidan Chiles could be a budding star. Jonathan Smith probably didn't understand what kind of fanbase he's walking into. #13: Wisconsin. Is this the last hurrah of Fickell? They dumped the spread and their best player is a huge RT so that's good; their defense is kind of falling apart so that's bad. #12: Rutgers. Schiano has done it: Rutgers is a perennial bowl team! No more Monangai but plenty of parts are back, especially on the OL. #11: Minnesota. High-variance offense, Koi Perich is an All-American. If a few of the transfers hit it's a strong defense. Could win 10 games vs a bad schedule, could also be just fighting for a bowl. #10: Nebraska. Raiola year 2 has a lot of weapons. They really spent to get him some WRs, Dane Key and a contested catch guy from Cal. Still going to be a 3-3-5 but playing tiny. The problem is their DL coach left and took the DL with him. #9: Washington. Only Big Ten RB to return, really like them. Also got back Boston. Upgraded from Stephen Belichick to Ryan Walters at DC, have a dual-threat QB who took over last year. Opposite Michigan: no kicker, weak in the trenches.  #8: Iowa. Mid! Offense improved quite a bit under Tim Lester, rose to 69th in SP+, had fewer wins because that's not Iowa. "We have a quarterback now!" /runs a waggle. #7: Indiana. Cignetti is tough to play for but he was able to rebuild through the portal again with guys who don't have to get to know Cignetti, including a new QB who might be pretty good.   3. The Contenders Starts at 1:10:38 #6: Illinois. Brian is wearing an Illinois shirt after a 10-2 season that was really lucky. Lose their playmakers from a team that was really lucky last year and did most of their work. Paid all these guys to return because they have a very weak schedule. Circle Illinois-Indiana. #5: USC. Ewebwuddy Woves Waymond. Scott Frost season where they lost to Maryland, banking on a massive, sorta overrated 2026 class. Have their choice receivers, have their QB in Maiava, have a magic wand to turn their secondary into poop. (#4 is Michigan) #3: Oregon. Dan Lanning is our top coach in the league but in-game management in Rose Bowl scares us. Doesn't lose bad games. Will be some talent drop-off, do we trust Dante Moore? He's had a year in the program and they didn't import someone. Probably spent the most of anybody in the portal. Bear Alexander at DT is a reason to doubt them; this team has a big potential to come together or completely fall apart with locker room issues. Easy schedule: Play two OSUs but not THAT OSU. #2: Ohio State. Have the best player on offense (Jeremiah Smith) and the best player on defense (Caleb Downs) in the country, but do they have a quarterback? Their OL is kinda iffy, but the LT situation looks like a hit, and then two transfers are battling for RT. Run game is meh, trust the pass game. People underrating how much they lost on the DL, but we like Beau Atkinson pickup. LB and secondary have a ton of talent: Sonny Styles and Igbinosun are back. S&P+ #1 because there's talent everywhere. If you're looking for reasons to hate on Ohio State: Matt Patricia is there to ruin their defense. #1: Penn State. Drew Allar started very low in our eyes, has improved to okay or mid, and then had a great bowl game. RBs can run in a straight line. TE lost Warren. Receiver is a little iffy, but best OL in Franklin's tenure (not saying much). Kotelnicki is a factor in the offense though. Reasons they're not overrated: defense is filled with talent and experience. Think national pundits see last year, see Big Ten teams that returned their quarterbacks and a strong defense won the last two national championships.   4. Hot Takes & Lightning Round Starts at 1:49:41 Takes hotter than this summer. At seven hours of podcasting we are getting loopy but we still answer most important, breakout players, biggest x-factors, who's your dude, and final predictions. MUSIC: "None of My Friends"—Liz Lawrence    "Pages"—Credit Electric "A Cold Sunday"—Lil Yachty “Across 110th Street”—JJ Johnson and his Orchestra   

In this episode, I sit down with Jason Guss, CEO and co-founder of Octane Lending, to discuss how the company became the #1 powersports lender in the country. The conversation covers Octane's early pivot from lender aggregator to direct lender, their dominance in niche markets, and strategies for thriving in challenging interest rate environments.Jason talked about how their early focus on good unit economics and then profitability put them in a great position during the challenging times of 2022 and 2023, enabling them to gain market share and rebound quicker than their competitors. He also has some interesting things to say about the banks in the market and strong thoughts on the importance of capital markets.In this podcast you will learn:The A-B test that led to the founding of Octane Lending.Why they built a loan origination system right off the bat.The “burn the ships” moment when they decided to pivot the business.How they were able to last sixteen months with very little revenue.The different niches within powersports where they provide financing.Their typical loan terms.The total size of the powersports market and the percentage Octane has.The advantages that Octane has competing with banks in this market.How their loan application works at the point of sale.How their customers are navigating a higher interest rate environment.Why an efficient capital markets function is so important.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

Welcome to The Adviser's What's Making Headlines podcast, your go-to source for the week's biggest stories in finance and real estate, distilled into bite-sized insights. Join host Annie Kane, senior journalist Will Paige and commercial content writer Ben Squires as they review the news of the week. This week, they discuss: What happened at this week's Economic Reform Roundtable. The opportunities and barriers in open banking. What's driving growth at the lenders. And much more!

On this episode of Beyond Multifamily, Amanda Cruise and Ash Patel interview Ira Zlotowitz. Ira explains GPARENCY's fixed-fee “mortgage assurance” model—$4,500 to shop your deal, create real competition among lenders, and hand you the best term sheet without taking a closing commission. He contrasts this with traditional brokers (exclusives, success fees, misaligned incentives), and shows how owners can use lender data (via GPARENCY's G‑Placer) to find active banks for niche assets and markets. They dig into term‑sheet timing, bridge‑loan speed, how to approach lenders with a crisp “teaser,” and Ira's money‑back guarantee if a clearly better deal surfaces after his process. Ira Zlotowitz Current role: Founder & CEO, GPARENCY (Mortgage Assurance) and G‑Placer (lender data platform) Based in: Howell, New Jersey Say hi to them at: iraz@gparency.com | WhatsApp/Text: 917‑597‑2197 | LinkedIn Visit investwithsunrise.com to learn more about investment opportunities.  Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com with code BESTEVER Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at ⁠www.bestevercommunity.com⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

2 hours and 8 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Quarterback Starts at 0:54 Quick rundown of all the options: it's Bryce. Expectations for Bryce: Vince Young as a RS freshman, who doesn't quite know what to do with the ball and gets jumpy when the pressure's on, but you can see the talent. One thing in his favor: he isn't jumpy at all in the pocket, and the overthrows in the Spring Game were out of character. Michigan has to roll with it, but Big Ten average with huge swings. Will he be more like a sophomore by Ohio State perhaps? [The rest of the writeup and the player after THE JUMP]  2. Skill Positions Starts at 35:36 Running back has two really good players and then a drop to ???. On the very goods, we love Jordan Marshall and might be underrating Justice Haynes—he's got a lot of Corum in him. He's also got a lot of experience as a lead blocker for a running QB, but that's probably not what he came here for. WRs are Donaven McCulley and then a big drop to Just-Guys who probably were better than they looked last year. Think Semaj Morgan should be the #2 since he gives you something—F.Moore, Bell, O'Leary just guys, hearing things about the freshmen doesn't give Brian happy feels. Tight end is the strength of the offense. The spectrum goes fullback: Max Bredeson, h-back: Jalen Hoffman, inline: Marlin Klein, flex: Hogan Hansen. Bredeson kickouts force defenders to overcommit, create bounce opportunities. Klein is an underrated blocker (watch the Reliaquest Bowl). Hansen was open last year, Davis Warren was allergic to throwing at him. Hoffman might be Underwood's secret binkie, can run WR routes and block like an OL. 3. Offensive Line Starts at 1:18:36 PLEASE do not activate our rule that if two guys are battling for a job and it's won by a third guy it's a very bad sign. Concerning that OL was an issue, and player evaluation was an issue, when the HC was the OL coach. It's not a hot take that Andrew Babalola is going to start at Ohio State, Brian. If Evan Link gets fixed and Gio El-Hadi truly feels more comfortable at LG that'd be great; the latter is more likely than the former, but they don't have better options so Link to start. Crippen is who he is; if his issues were mental then could see Juan Castillo having an effect, but Crippen is mentally there and just gets physically dominated. RG and RT are two really good stories for the future, as Efobi and Sprague (especially Sprague) are on track for excellent careers. Depth at G. 4. Hot Takes, Special Teams and Chip Starts at 1:46:36 Takes hotter than Sabrina Carpenter. Thank you to the Michigan fan who left Dominic Zvada out of the Groza semifinalists so he would come back to be the best kicker in Michigan history again. Punter…wasn't great last year but it's not like Hudson Hollenbeck was better in the one game we saw him, and attempts to get more guys in the portal is a little concerning. Returns should be Semaj, I'Marion Stewart, and hearing things about the UMass transfer Anthony Simpson. Chip's offense is about building his passing game onto your running game. They'd like to be an outside zone one way/rollout the other way team but they probably can't run outside zone. Need to hit the downfield shots to keep safeties off their screen game; last year they were set up at 7 yards. MUSIC: "Small Worlds"—Mac Miller    "Memo from Turner"—Mick Jagger "Is the Hugeness Translating"—Floating Action “Across 110th Street”—JJ Johnson and his Orchestra   

1 hour and 53 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. We have to talk about the NCAA NOA Starts at 0:54 A great exercise in bad faith, and deeply insulting to Mike Sainristil. NCAA doesn't want to go to court because they'll lose, so they produced a blustery document to make it about money. Clearly Stalions should not have been part of any organization. If Jim Harbaugh is still the head coach when this comes out they would have had to fire him. But these are clearly minor violations hopped up as an extension of Harbaugh's reaction to telling them to go to hell for Burgergate, and part of a pattern of the NCAA coming after him personally. We're actually shocked at how bad all of their evidence is: 1) Stalions who's a liar. 2) Joey Velazquez, who recorded Stalions, tried to entrap Partridge, and Partridge proved was lying about their interaction, and for the Level II recruiting violations 3) a player who was broomed from the class whom the NCAA also admitted didn't have his stories straight. The only evidence they had of an atmosphere of noncompliance was an assistant (likely Stalions) saying screw Compliance. When they say the benefit was not marginal they don't even try to justify that take—Michigan got better without Stalions. The report makes its conclusion on the value of this entirely on the basis of the lengths that Stalions went to trying to get film when the guy goes to extreme lengths to pump up his own importance as a rule. Their defining piece of evidence is Harbaugh gave him a game ball, when they also say they found Harbaugh gave out 15 game balls per game to try to make sure everyone on staff got one, and Connor's value was so little that he a defensive ball from Iowa. [The rest of the writeup and the player after THE JUMP] 2. Defensive Line Starts at 16:16 Rayshaun Benny was grading out like Mason Graham—see: the end of the OSU and Alabama games. He is not Mason Graham, but should be able to keep up that sort of ratio because they are so deep they can keep him fresh at the end of games. Tre Williams is a Mazi Smith, M valued him more than Clemson did; he isn't a pass-rusher. Damon Payne is an innings-eater. Ike Iwunnah too. Trey Pierce and Enow Etta are the ones we want to see emerge because they have eligibility for next year. Pierce is on that track while Etta gained weight after getting pushed around last year, is ticketed for the Jenkins role. If a 7th DT plays we think it's Palepale, who looks huge and athletic. Edge has a floor of All-Big Ten and a ceiling of Derrick Moore turning into a Day 1 pick. He is that freakish combination of technique, length, and athleticism, got better at dropping into coverage last year, has a Mike Morris style of pass rush that should work. Last year he was getting to the quarterback but everyone else got there before him. TJ Guy is possibly the smartest guy on the field, had the most dip of last year, underrated strength, lots of versatility, though hit a ceiling when it came to carrying Flex TEs. Saved Michigan vs OSU. Cam Brandt is the established backup to D-Mo; we're a little iffy on him, but he might be on the Morris track. Backup to Guy is Nichols—clearly the program likes him but unproven. Would like to see Nate Marshall used in a pass rush only role this year. Would like to see Baxter and Edokpayi playing more this year too. 3. Linebacker Starts at 50:02 Everybody came back/is healthy after they prepared to lose everyone, so there's a lot of age and a lot of depth. Ernest Hausmann is the glue of the offense, another very underrated player who moves like a nickel and reads plays well. Had to get in better shape because when you're the button you can't be breathing hard between plays—you have to yelling. Barham is the Problem for offenses, because you can't block him with a RB and you have to block someone with the RB. Been caught "covering grass" as we say but has the ability to blow up. Can also spend time at edge if need be. Depth is incredible. Rolder is your Braiden McGregor-memorial back-from-injury senior who's going to play plenty and play well but start losing time to Cole Sullivan, the next Barham who's rocked up and earning a ton of practice hype after being under-ranked out of high school by 247 and ESPN (On3 moved him up to #112 so I couldn't make him the Sleeper of the Class). Also got Troy Bowles who's got a role as the Coverage LB. And Jaydon Hood has shown he can play. AND they really like the freshmen: Owusu-Boateng is a future Hausmann while Chase Taylor is a Class Sleeper. 4. Secondary Starts at 1:16:28 Replete with options, but each has a question mark. Is Rod Moore going to play? Maybe 2nd half of the season—was 85% at start of fall, has to backpedal, IG video shows him jogging. Assumed he's a nickel but TJ Metcalf is stepping in for him; Metcalfs (Metcalves?) can obviously play, precognition is Sainristilian. Brandyn Hillman is a hit stick, the person offensive players are most afraid of despite Barham on the team. Free safety is either Jaden Mangham, a glider whom offenses didn't throw at when at MSU (probably because you could throw at anyone else), or Mason Curtis, who is a very weird player. Curtis has an extra role as a Big Nickel, i.e. a hybrid OLB who comes in for Guy against 2TE sets to take away those Flex TEs. Might see something from a young guy but unlikely. Cornerback is the iffiest position on defense but has a super high ceiling with Jyaire and Zeke both with considerable runway. Hill just needs to not bite on double-moves. Berry got comfortable last year, still can clean up his zones and turn getting a hand on passes into interceptions. Depth starts with Jo'Ziah Edmond, a Ryan Walters special stolen from Walters. We think Shamari Earls looks like an immediately viable corner but is on more of a Jyaire development track (also ran track) as opposed to Will Johnson, who was super developed at this stage. Caleb Anderson did not impress us as much as the two #12s who preceded him. Jeremiah Lowe showed some things in spring; Seth thinks Jayden Sanders is going to play more than Lowe. MUSIC: "Turning Heads"—Dem Franchize Boys "I Got You Babe"—Etta James "Needles in the Camel's Eye"—Brian Eno “Across 110th Street”—JJ Johnson and his Orchestra    

"Skip two payments!" "No cost refi!" "Lock it now or lose it!" — Sound familiar? In this episode, we pull back the curtain on the most common (and misleading) mortgage sales pitches. We also break down what these phrases really mean, why they're used, and how to spot red flags before you sign. Whether you're buying your first home or refinancing, you'll learn how to shop smart, avoid costly traps, and work with a true mortgage advisor not a salesperson Start your stress-free loan journey todayJoin Rate Watch – we'll watch rates for youEmail: info@theeducatedhomebuyer.comConnect with Us

Program OverviewBorrower Contribution: You pay 1% of the purchase price as the down payment.Lender provides a 2% grant, bringing your total to 3% down, which is the typical minimum for conventional loans. For example, on a $250,000 home:You pay $2,500 (1%)Lender adds $5,000 (2%)You start owning 3% equity from day one Eligibility RequirementsTo qualify for ONE+, you must meet all of the following:Income: At or below 80% of your area's median income (AMI) National Mortgage ProfessionalCredit Score: Minimum FICO® score of 620 Property Type: Must be a single-unit primary residence (no second homes or investments) Loan Limit: Loan amount must be $350,000 or lTotal Down Payment: With their 2% grant included, your total down payment cannot exceed 5% Mortgage Insurance (PMI)Despite the grant taking you to 3% equity, the program does require mortgage insurance (PMI). National Mortgage ProfessionalThe Mortgage Reporttune in and learn https://www.ddamortgage.com/blogdidier malagies nmls#212566dda mortgage nmls#324329 Support the show

In this episode of The Smart Property Investment Show, host Phil Tarrant is joined by Rob Le from Finni Mortgages to unpack the often-misunderstood world of serviceability and how it shapes an investor's ability to build wealth. From overtime income to voluntary super contributions, Phil and Rob explore the factors that can make or break borrowing capacity – and how lender policies can vary more than many realise. They dive into why income isn't just your base salary, how deductions like HECS-HELP can be managed strategically, and why disciplined spending habits in the months before applying for a loan can pay off in spades. The conversation also explores the role of non-bank lenders, their more flexible policies, and when higher rates may be worth the trade-off for greater borrowing power. Phil and Rob share practical strategies for presenting the strongest possible case to lenders, and explain why working with a savvy mortgage broker can give investors the edge they need to grow their portfolio faster. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

One of the quadrants in the entrepeneur's ascension is Investor.    Today, I'm going to show you how to make money with the schematics necessary to elevate yourself to the investory level through Real Estate.    If you're a first time real estate investor, this is definitely for you.  If you're a seasoned real estate investor, I'll give you the real-time mentality of lenders and how to best structure your next real estate deal.    Lender guidelines are getting real tight.    They're looking for experience in investing.    Looking for better margins.    The cost of real estate is going to continue to go up and the private money guys understand that the value of the dollar is going to be less.    There are opportunities in the market.    If you're a fix-and-flipper, Real Estate investor, head to CloserCap.com and learn how we can help you.    We got options.    About the THC Podcast    Nothing is off-limits in these weekly episodes of the Hardcore Closer Podcast with Ryan Stewman.  Politics, Finance, Religion, Tin-foil hat theories, and interdimensional space aliens.  Ryan Stewman takes a very factual approach to simplifying the most complex things we are experiencing in real time in this timeline.  Leave your feelings at the door and buckle up for a fresh perspective with no fluff, and just the hardcore stuff that reality is made of. Learn how you can become a member of a powerful community consistently rewiring itself for success at https://www.jointheapex.com/  and learn how you can finally partner with someone helping you grow, scale, and have the most successful business without the complexities of sharing equity in your company https://closercap.com/   Rise Above

VC funding in India picks up pace after a muted 2024, Tata Capital kicks off investor roadshows, IPO-bound Urban Company draws interest, and SBI retakes largest home loan lender crown. Also find an exclusive interview of Sanjay Agarwal, MD & CEO, AU Small Finance Bank; an analysis of the second-order effects of Trump tariffs; an opinion piece on why India should prioritise US security partnership  despite the tariff fallout. And finally, the roaring success of Mahavatar might get the animated character its own universe. All this and more in today's edition of Moneycontrol Editor's Picks.   

Calm on the Surface, Distress Below: Joe Blackbourn on the State of Sunbelt Multifamily   The Eye of the Storm? When my podcast guest this week, Joe Blackbourn, president and founder of Everest Holdings, stepped in front of a room of ULI members in late 2024, he titled his multifamily market forecast “An Underdressed Weatherman Gets Sent Into a Hurricane.”   The image was evocative – and accurate. Multifamily investors, developers, and lenders had been navigating gale-force winds of rising rates, inflation shocks, and structural cost resets. And yet, as Blackbourn noted in my conversation with him, today the industry still appears eerily calm.   “There's a lot of stormy weather on the horizon, and, like a hurricane, we don't know quite where it's going to land or how bad it's going to be.”   The Invisible Cost of ‘Calm' Core inflation may be retreating, but the real story, Blackbourn argues, is not about the rate of change. It's about the baseline shift.   “Even if we're at just over 2% now, it's still a 30% increase in a very short period of time,” he said, referring to food prices, but with implications for housing as well. Home prices in many U.S. markets, particularly across the Sunbelt, have surged by 30–50% since 2020. That repricing is likely to stick.   “It's really difficult to give that pricing back,” he added. “Short of some real economic calamity, the best we can manage is slower growth, not a decline in consumer pricing.”   That same principle is locking up real estate deals. Rent growth has slowed, but operating expenses have not. The result is compressed margins, sluggish NOI, and a widespread inability to transact or refinance.   Multifamily: Where Distress Hides Quietly On paper, the multifamily sector looks surprisingly stable. Cap rates for high-quality assets remain in the 5.0%–5.25% range, and transaction volume is beginning to pick up in select markets. But beneath the surface, stress is mounting.   “There's a lot of stress at the balance sheet level,” said Blackbourn. “And it's not being helped by property-level performance.”   In many Sunbelt markets, especially those with pandemic-era construction booms, organic NOI growth is flat or negative. Rent collection is delayed, staffing is inconsistent, and delinquencies are rising.   “We're seeing situations where it's taking all month to get the rents collected,” he noted. “You'd be at the 15th of the month with less than 50% of rents in the door.”   Yet distress sales remain rare. Why? Blackbourn offers two reasons: Lender tactics: Debt funds are “hope-certificating” properties, granting extensions, persuading sponsors to inject capital, and delaying the inevitable. Human psychology: “There's a survival instinct at work,” he observed. “People will do whatever they can to stay in the game.” What Keeps Deals Frozen? Everyone is waiting. Borrowers, lenders, and investors are all betting on falling interest rates to solve their problems. But Blackbourn remains skeptical.   “I don't think it's inevitable that rates come down,” he said. “And yet, it's within the debt fund's interest to persuade borrowers that they will.”   Many current valuations are premised on that hope. But even if rates do drop, the bid-ask spread remains wide. In his words, “It feels like this really taut balloon; fragile.”   Why Aren't Cap Rates Rising Faster? One of the stranger dynamics in today's market is that cap rates haven't risen much, despite the Fed holding policy rates above 5%. High-quality assets are still trading at 5%–5.25% caps. How is that possible?   “If you have the right basis, you can sell into that,” Blackbourn explained. “The pricing for high-quality assets hasn't jumped that much.”   But for vintage assets, pricing capitulation is coming. Lenders are forcing assets to market when no other solutions are viable. And while buyers are circling, few are pouncing.   Supply, Demand, and the Surprise of Absorption Another surprise: absorption is holding up remarkably well.   “We're seeing absorption that's about keeping up with supply,” Blackbourn noted. “In some markets, we're about to hit the point where we're absorbing more units than we're adding.”   This matters. Historically, once net absorption overtakes new deliveries, rents begin to recover, often before occupancy hits 95%. And that could happen sooner than expected in markets like Phoenix.   “We're modeling that inflection point this year,” he said.   But again, bifurcation matters. New Class A developments are attracting high-income renters,  people who once would have bought homes. Meanwhile, vintage B and C properties are seeing tenants who are increasingly rent-burdened.   “In new projects, we're seeing a higher-income demographic than we've ever seen,” said Blackbourn. “But in older assets, collections are way down. Rents are up 30%, but incomes aren't.”   The Forecast: Q3 and Q4 2025 Looking ahead to the rest of the year, Blackbourn sees a mixed bag. More volume is expected from both opportunistic buyers and forced sellers. Permits are collapsing, setting up an eventual rebound in pricing power. Selective outperformers will emerge in submarkets with favorable rent-to-income ratios. “We could see surprising outperformance in the asset class sooner than people think,” he said. “But it will be bifurcated by quality, by tenant income, and by geography.”   In short, the underdressed weatherman may not be in the eye of the storm just yet – but the wind is shifting.

The $500 million dream behind Portland's most luxurious tower has hit a major roadblock. The 35-story Block 216, home to the Ritz-Carlton Portland, has been surrendered to lender Ready Capital amid slow condo sales, weak office leasing, and financial strain.

Welcome to another episode of Learn With A Lender with Christian Bachelder! In this episode Christian discusses strategies for homeowners with low Interest rates, discussing options like using a HELOC, converting a property to a rental, or selling and renting temporarily. Next Christian discusses real estate investment strategies. Christian also discusses bonus depreciation and tax benefits, explaining how investors, especially high-income earners, can use bonus depreciation to reduce tax liability. Last, Christian talks about primary residence vs. investment properties, discussing the pros and cons of owning a primary residence versus investing in rental properties. If you'd prefer to watch this interview, click here to view on YouTube!  Christian Bachelder can be reached at Christian@theonebrokerage.com. This episode is brought to you by Real Geeks and Courted.io.

In this episode of the Investor Fuel podcast, host Michelle Kesil speaks with Jonathan and Dustin, founders of Convoy Home Loans, about their innovative approach to lending in the real estate investment space. They discuss their unique products, such as DSCR loans, which allow investors to qualify based on rental income rather than personal income. The conversation covers their adaptability in the market, the importance of educating clients, and their goals for the future. They also share insights on building relationships within the real estate community and the challenges faced by investors today. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

2 hour and 6 minutes This episode was recorded at Champions Circle's third golf outing, on a golf course outdoors, so apologies for the background noise. Huge thank you to Alejandro Zúñiga for his production assistance and for sitting in on the first segment while Brian was stuck behind a funerial procession. The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, the Autograph: Fandom Rewarded app, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where usually record this, and new this week the Ann Arbor Summer Festival, and the Aretha Franklin Amphitheatre. 1. MAX BREDESON, DOMINIC ZVADA, & MARLIN KLEIN Starts at 1:00 Zvada explains why kickers are so much better today: access to technology originally developed for golf that shows their spin rate and trajectory and distance, plus training techniques. Bredeson discusses The Game last year and how they went hunting for gaps, says anyone who plays TE can do all the things they do. Klein turned it up in the bowl game. We get a crash course in kicker and TE lingo.  2. BRYCE UNDERWOOD, JADYN DAVIS, & JORDAN MARSHALL Starts at 21:36 Underwood and Davis set up challenges for each other, how they make each other better. Marshall and Haynes were full go in spring, happy splitting reps. Least favorite guy to get hit by: Brandyn Hillman; Marshall was happy that he and Jaishawn were on his team in spring. What role the fans played in Bryce's recruitment. How does money play a role in the locker room these days? How they see the Martindale defense. [The rest of the writeup and the player after THE JUMP]  3. MIKEY KEENE, DAVIS WARREN, & JUSTICE HAYNES Starts at 39:43 Keene on preparing to play Michigan: what they could teach each other. Haynes similar thing: what was it like playing against Michigan in the Rose Bowl. Thing they prepared for Michigan: wow, the blitzes! Haynes lists all the reasons he came to Michigan until we tell him "It's okay, the quarterbacks are aware we run the ball." On platooning: I want to be able to run around with my kids after football. Warren on playing Ohio State. New faces in the QB room: type of guys on the team. 4. DONAVEN MCCULLEY, SEMAJ MORGAN, PEYTON O'LEARY, & JOE TAYLOR Starts at 59:01 McCulley also shares what it's like to be a (true Fr) quarterback facing Michigan (not fun!). O'Leary and Taylor talk about the walk-on experience, what's going to happen with the 15 guys who used to be walk-ons. Other walk-ons who are impressing (Andrighetto at safety). Learning to play WR: you get a feel for where you need to be for the quarterback, playing in space. How much has the offense changed. Who's come along since last year: Tevis Metcalf for sure.   5. ERNEST HAUSMANN, TJ GUY, & DOMINIC NICHOLS Starts at 1:26:05 HONESTLY THIS WAS OUR BEST INTERVIEW. Ernest and TJ are starting a podcast. Guy on how many positions you need to know to play OLB. How he and Nichols feel about dropping into coverage. Hausmann shares he's got to be in better shape to be the dot because he can't be breathing hard between plays as he's giving the calls. What were they seeing versus Ohio State. "Ern was going crazy in that game." How do you grade LBs? It was quiet.     6. GREG CRIPPEN, GIO EL-HADI AND ANDREW BABALOLA Starts at 1:30:14 Crippen how it feels to be The Guy finally (not counting his eggs; he's got to win it). Why El-Hadi is just more comfortable on the left. Babalola on the difference between HS and college, and how he compares to the other guys as freshmen. What's it like being a five-star recruit. How they see the fronts and make the line calls. Why is OL hard: gotta learn the playbook first, including all the adjustments. How to make decisions on the fly: all about communication. Gio doesn't play with a mouthguard so he can communicate better. If Michigan football had to make a basketball team: PG: Semaj Morgan SG: Bryce Underwood SF: TJ Guy PF: Lugard Edokpayi C: Babalola/Sprague       8. ROD MOORE, ZEKE BERRY, TJ METCALF AND SHAMARI EARLS Starts at 1:43:41 Rod Moore recovery: 85%. Had to come back mentally before but he's staying as locked in as he can. TJ Metcalf on the portal experience. Zeke Berry on the transition to corner: switching up to #1 was a little iffy at first, but the look is the same, got used to it. Did he see the IU pick earlier in the game? No it was in practice the week before. Still a jack of all trades. Shamari on track, he's picking up all the calls. Receivers to watch? Marsh, Goodwin, Semaj. Who's the fastest guys out there. Who's the biggest hitter: B-Hill, then TJ then Rod. Transition to Wink last year: had to get comfortable with each other. 9. TRE WILLIAMSON, DERRICK MOORE, AND RAYSHAUN BENNY Starts at 1:55:39 Rayshaun going into this year: he's been out there, acted like a starter from previous years. Tre on difference with Michigan. He loves the depth, no other school had the type of talent he was playing around. D-Mo on playing Edge, started with two of the four positions (Rush, End, Buck and SAM). What would he say to his freshman self? Biff Poggi made this program the same program as at St. Frances. He was injured last year, the production was always there, leading the team in pressures early. Benny on coming back from his injury last year. MUSIC: "Intro (A Star in the Sky)"—Heavy Weighs the King "Stand Well Well"—Seun Kuti & Egypt 80 "It'll All Work Out"—Blake Mills “Across 110th Street”—JJ Johnson and his Orchestra    

When it comes to Real Estate investing, you can be a borrower, or you can be a lender. When you're the lender, you get monthly payments without having to manage the properties, and you can generate the same or higher returns. There's a secondary market for buying loans from original note holders at a discount. Fred Moskowitz, Fund Manager and Investor, quit his job in 2015 to become a full-time note investor and has turned it into a great business. Fred is an Alternative Investment Expert and the Author of The Little Green Book of note investing.

Are you about to buy or sell a home and feeling overwhelmed by all the moving parts?Without the right support, real estate transactions can be a total nightmare. That's why in this episode of Moving Sucks, Seth and Jenn break down why building a rock-solid “real estate dream team” is non-negotiable. From finding the right agent and lender to understanding the real roles of title companies, inspectors, and even movers—this episode is a must-listen if you want peace of mind during one of the biggest financial moves of your life.You'll hear how each professional on your team contributes to smoother closings, fewer surprises, and way less stress. And yes—they spill the tea on real-life horror stories when key players weren't in place.Episode Breakdown:00:00 – Introduction and Team Dynamics01:03 – Why Your Real Estate Dream Team Matters02:34 – Key Roles Explained: Agent, Lender, Inspector & More05:37 – Insurance & Inspection – Your Safety Nets17:15 – The Unsung Hero: The Handyman20:36 – What Makes a Title Company “Good”23:14 – Title Insurance Demystified24:19 – Real-Life Title Insurance Nightmares27:42 – Movers: Help or Headache?30:07 – A Cleaner Who's Actually Clean32:18 – Dream Team = Less Stress36:23 – Final Thoughts from Jenn & SethIf you're serious about avoiding chaos in your next move—this episode is for you.

The Uninsurable Future: How Climate-Driven Insurance Risk is Reshaping Real Estate   The Canary in the CRE Coal Mine If insurance is the canary in the coal mine for climate risk, then the bird has stopped singing. That's the warning from Dave Jones, former California Insurance Commissioner and current Director of the Climate Risk Initiative at UC Berkeley. In a conversation that touches on reinsurance markets, mortgage delinquencies, lender behavior, and regulatory dysfunction, Jones laid out the most sobering climate-related CRE risk analysis to date: we are already living through a systemic insurance crisis—and commercial real estate is not exempt.   “We are marching steadily towards an uninsurable areas in this country,” Jones warns.   From Homeowners to High-Rises: What the Data Shows Much of the early distress has been observed in the residential and small business markets, where data is more publicly available. A study by the Dallas Fed, cited by Jones, found a direct correlation between areas hardest hit by climate events and surging insurance premiums, non-renewals, and mortgage delinquencies.   But commercial real estate isn't insulated. While pricing data is less transparent due to looser filing requirements, Jones states, “everything that I've seen indicates that those [commercial] rates are going up too,” particularly in regions where catastrophic climate events are becoming more frequent and severe.   Take Florida. One of our clients' office tower's premiums jumped from $300,000 to $1.2 million in a single renewal cycle. That's straight off the bottom line. The hit is entirely non-accretive; it's pure cost.   The Feedback Loop: Insurance, Lending, and Liquidity As insurance availability shrinks and prices soar, lending dries up. Lenders want to see that there is property and casualty insurance yet, as it becomes harder to get, that has implications in credit markets… and flow-through implications to the real economy.   It's not just anecdotal. Jones references studies showing that banks are offloading loans insured by lower-rated, higher-risk insurers to Fannie Mae and Freddie Mac, effectively shifting the risk onto taxpayers. That means if a hurricane hits and the house is knocked down, there isn't insurance available, potentially because the insurance company went insolvent.   The trend is clear: insurance stress is bleeding into credit markets and weakening the foundations of the entire real estate financing stack.   The “Deregulation” Illusion Some states, like Florida, are trying to respond by loosening regulatory constraints to attract insurers. Jones is skeptical. “Florida rates are four times the national average,” he says. The state has adopted taxpayer-funded reinsurance schemes, weakened litigation protections, and allowed less-robust rating agencies to operate.   Still, “the national branded home insurers are not writing in Florida… they can't make a profit,” says Jones. “So even with all these changes, the background risk is too great.”   In short: deregulation cannot solve a fundamentally unprofitable underwriting environment driven by climate volatility.   Adaptation Isn't Being Priced In - Yet Jones is more optimistic about resilience measures. Home hardening, defensible space, and forest management, especially in wildfire-prone states like California, can materially reduce losses. Commercial insurers often have engineering staff to assess and recommend these strategies.   But the industry hasn't kept pace. “Insurers, by and large, are not accounting for property, community, and landscape-scale adaptation and resilience in their models,” Jones says. One exception is Colorado, which passed a law requiring insurers to factor in proven risk mitigation. This could prove to be a model for commercial markets, but it's early and insurers remain price takers in the face of mounting losses.   From Reinsurance to Municipal Bonds: Signals to Watch What market signals should CRE investors monitor? Jones suggests: Insurance pricing and non-renewals: leading indicators of distress. Reinsurance costs: though recently softening, they've trended upward for years. Lender behavior: especially offloading risky loans to agencies. Rating agency downgrades: particularly for municipalities facing severe climate risk. Housing market mispricing: First Street Foundation estimates as much as $1 trillion in residential overvaluation due to underpriced climate risk. Any of these could tip the balance in specific markets or signal a broader inflection point.   A Slow Collapse or a Sudden Shock? Is this a long-term crisis or a fast-moving one? “It's happening in real time now,” says Jones. “It's more likely that this will be a steady glide into uninsurability… as opposed to one catastrophic event that brings the whole house of cards down.”   Still, the metaphor is chilling. The systemic risks posed by climate-driven insurance failure are already manifesting across sectors. Whether the collapse is gradual or sudden, the endpoint is clear.   “There is no place in the United States where you have a ‘get out of climate change free' card,” Jones warns.   For CRE professionals, that means a hard reckoning is ahead – not just with climate, but with underwriting, capital access, and portfolio risk in a fundamentally altered landscape.   *** In this series, I cut through the noise to examine how shifting macroeconomic forces and rising geopolitical risk are reshaping real estate investing.   With insights from economists, academics, and seasoned professionals, this show helps investors respond to market uncertainty with clarity, discipline, and a focus on downside protection.    Subscribe to my free newsletter for timely updates, insights, and tools to help you navigate today's volatile real estate landscape. You'll get: Straight talk on what happens when confidence meets correction - no hype, no spin, no fluff. Real implications of macro trends for investors and sponsors with actionable guidance. Insights from real estate professionals who've been through it all before. Visit GowerCrowd.com/subscribe Email: adam@gowercrowd.com Call: 213-761-1000

Welcome to another episode of Learn With A Lender with Christian Bachelder! In this episode Christian discusses current market conditions and interest rates. Christian shares long-term real estate investment strategies and advises on how to build generational wealth through real estate. Next, Christian shares tips for buyers navigating the current mortgage landscape. Last, Christian talks about real estate investment principles emphasizing the importance of purchase price over interest rates. If you'd prefer to watch this interview, click here to view on YouTube!  Christian Bachelder can be reached at Christian@theonebrokerage.com. This episode is brought to you by Real Geeks and Courted.io.

Properties for Sale on the North Side?  We want to buy them. Email: StraightUpChicagoInvestor@gmail.com Have a vacancy? We can place your next tenant and give you back 30-40 hours of your time. Learn more: GCRealtyInc.com/tenant-placement Has Property Mgmt become an opportunity cost for you? Let us lower your risk and give you your time back to grow. Learn more: GCRealtyinc.com ============= Kevin Werner, CEO of Renovo Financial, has over 20 years of experience building and scaling successful lending companies! Kevin discusses his start in the lending business including his first company that did not survive the Great Financial Crisis. He shares lessons learned from lending through the Housing Crash and how those insights coupled with great relationships lead to the inception of Renovo Financial. Kevin gives the philosophy that has led to Renovo's explosive growth the last decade including thriving through the uncertainty of COVID. Throughout the show, Kevin drops powerful outlooks on business, customer service, and relationships that you'll want to remember and implement! If you enjoy today's episode, please leave us a review and share with someone who may also find value in this content! ============= Connect with Mark and Tom: StraightUpChicagoInvestor.com Email the Show: StraightUpChicagoInvestor@gmail.com Guest: Kevin Werner, Renovo Financial Link: Kevin's LinkedIn Link: All-In Podcast Link: King of Capital (Book Recommendation) Guest Questions 01:51 Housing Provider Tip - Understand the power of being decisive and taking action! 03:18 Intro to our guest, Kevin Werner! 10:44 Getting a loan business off the ground in the 90s. 15:28 Lending through the Housing Crash! 34:21 The business model of lending business. 45:27 Renovo's explosive growth through COVID into 2025! 60:18 Kevin's parenting philosophy and outlook on Chicago! 63:24 What is your competitive advantage? 64:20 One piece of advice for new investors. 64:53 What do you do for fun? 66:04 Good book, podcast, or self development activity that you would recommend?  66:53 Local Network Recommendation?  68:38 How can the listeners learn more about you and provide value to you? ----------------- Production House: Flint Stone Media Copyright of Straight Up Chicago Investor 2025.

Kevin and Kieran analyse the reasons why more players don't run down their contracts, and discuss whether English football needs a lender of last resort. Follow Kevin on X - @kevinhunterday Follow Kieran on X - @KieranMaguire Follow The Price of Football on X - @pof_pod Send in a question: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠questions@priceoffootball.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join The Price of Football CLUB: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://priceoffootball.supportingcast.fm/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Check out the Price of Football merchandise store: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://the-price-of-football.backstreetmerch.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Visit the website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://priceoffootball.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For sponsorship email - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠info@adelicious.fm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Price of Football is a Dap Dip production: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://dapdip.co.uk/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠contact@dapdip.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices