Podcasts about lender

2 hours and 23 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, The Aretha Franklin Amphitheatre, Radecki Oral Surgery, Long Road Distillers, and Venue by 4M where recorded this. 1. What Dusty Just Done Did Starts at 0:51 Not only did we have this team come out of nowhere to be the best in the history Michigan basketball. The Dusty May Era is now a fever dream. Takes a little bit out of it. This is college basketball now. Understand why he wouldn't want to be a college coach today; he explicitly said he never got to feel like they won a championship. NCAA can be blamed for letting it get here but also they have no power whatsoever to fix all the things that mean the second you win a title you have to recruit your new team. Second time in a row the college coach the NBA took was Michigan's. This is not the Cavs; Dallas is a good gig. [The rest of the writeup and the player after THE JUMP]  2. The Future of Michigan Basketball Starts at 19:04 They're promoting Mike Boynton to interim head coach, with a possibility of permanence. Greater that 50% chance he's the HC without the interim title, but might execute a search. Five days after they announce a hire the portal is open for Michigan alone, which is probably what scared them into this now. McKenney is back, probably Cadeau back, direction of things is a battle to hold onto the transfer bigs. Boynton: got tagged by the FBI thing, can see his tenure as not successful, or successful for the Minnesota of the Big 12. He has a trademark, which is defense: five of six years with a top-20 unit. Still relatively young, can recruit. Program: "What option do we have?" UNNNNNGGGGGHHHHHH. Actual option: Josh Schertz! Trademark is twos, built a real roster there, is Dusty's best coaching buddy. Don't care as much about roster continuity (Brian Ellerbe, Sherrone Moore) because the players won't be around long. Also if you poach a coach you have access to another team's roster and coaching staff, whereas right now Michigan and the Mavs are competing for Michigan staff and Michigan and the world are competing for Michigan's players. Other names to look at: Niko Medved was our next pick two years ago, did as well as possible with Minnesota last year. Where is Michigan Basketball in program rankings? Would Purdue swap with us? Purdue built their fanbase over years of having a program, just like Michigan hockey. 3. The Warde Talk Starts at 53:17 What are you supposed to do with a guy who alternates between asleep-at-the-wheel scandals and national championships? Push back against Brian's assertion that people "don't want to work for him" because these are all individual situations. He's not a bad guy, but he's also not a guy who *does* things, unless that's milking the fanbase or turning Michigan Stadium into an F1 race of ads. His oeuvre is not doing anything, because that worked with Harbaugh in 2020, and now that's a modus operandi. Talking ADs history since Canham. Push back against Brian's lionizing of Canham: he was a visionary, but his record also includes Dr. Anderson and trying to prevent/undermine Title IX. We end up preferring Bill Martin of all our lifetime ADs—he built the boxes to prevent ads in the stadium. Don't think missing out on Les Miles was a loss. Brian's Warde assessment: He typed "how to AD" into ChatGPT. Does losing Dusty May like this change your opinion on Warde Manuel? No. But it's weird that he keeps surviving (no president to fire him). 4. 2027 Football Recruiting Starts at 1:20:46 Doesn't look any different from a Harbaugh class at this point. If you're good at scouting and developing you're fine. OL class is small but Lipsey stacks another elite tackle and they had to fend off ND for Louis Esposito, Rouleau is a Frey-type. Xavier Muhammad is a very good DT, Tavares Harrington a find at CB, and they held onto some important guys in-state in a good Michigan year. LB recruiting is still underfunded, Brian is fine with that because it's very a "what's in your head" position with no consensus on what schools want. State of the recruiting industry: Paramount got bought and 247 is getting raided as incompetent ownership sets in. On3 is more reactive to scouting this cycle, and almost universally rate M commits higher. White whales: #1 is CB Josh Dobson, Seth Tillman would be a big, big deal because DTs are hard to come by, Monsanna Torbert would be a big win over Ohio State. Lincoln Mageo would be a good OL to finish with. Would like to have more TEs coming in. 5. World Cup Starts at 1:50:04 Takes hotter than Dusty May's agent. Count how many times Brian calls USA "Michigan." Are the Americans the most pleased with their performance in Group Phase (2nd to Canadians). Freeman (son of Antonio) is very reliable defensively, main thing is you can put Dest at wing. Sauciest player in US history? McKenzie is everywhere, runs into the box from deep were especially effective vs Paraguay. Pulisic injury: not going to play him in the useless Turkey game, should be fine. Tim Ream has been trying to play soccer for us forever, always been the best guy on the ball. Decent draw, should be favored (when they make the field) for a couple of rounds. Success point is get to the quarters; they can go into a game against a world power and expect to compete, not win, and not win three in a row. Four years ago they were too young. Don't mind the 48-team format; it saps a lot of tension out of the Group Stage when three teams advance, but a lot of "small teams" have battled. Brazil is still working back to being BRAZIL. Germany is Ohio State but not a peak year Ohio State. France is super talented. Alex: If you play Bosnia and Herzegovina you play two countries at once. Seth: Actually it's more like seven point eight. MUSIC: "Hit or Miss"—Odetta "Take Da Charge"—Project Pat "Love on My Brain"—Jim Ford "Dog Has Its Day"—Toledo “Across 110th Street”—JJ Johnson and his Orchestra   

“This is a book about a cruel and ruthless war—a war without mercy—in which those caught up in it believed they had nothing to lose by fighting without regard for the rules of so-called ‘civilized warfare.' It was the War for American Independence. At its grimmest level, this was a confrontation in which military restraint was more the exception than the rule, a struggle in which combatants believed their very existence was in question.”Those are the words of my guest Mark Lender and his co-author, the late James Kirby Martin, from their book War Without Mercy: Liberty or Death in the American Revolution. While a growing number of historians have shown that the Revolutionary War was often far more brutal than Americans like to remember, few have attempted to explain why it became so brutal. Lender and Martin argue that the answer lies in understanding the Revolution as an existential war: a conflict in which participants believed defeat threatened not merely political loss, but the destruction of their families, communities, and way of life.Mark Lender is Professor Emeritus of History at Kean University and most recently served as advisor to the 250th Anniversary Exhibit at the National Museum of the United States Army. He and James Kirby Martin also co-authored A Respectable Army: The Military Origins of the Republic, 1763-1789.

In this episode of the AFSA Extra Credit Podcast, we welcome Tab Edmondson, Senior Director of Lender Solutions at Epic, a new business partner of AFSA. The discussion centers on modernizing loan payoffs and lien release processes, highlighting the challenges dealerships face with multiple lenders and the inefficiencies in current systems. Tab shares insights from his extensive experience in the automotive industry, emphasizing the importance of streamlining processes to benefit dealerships, lenders, and consumers.

Welcome to our monthly feature Learn With A Lender with Austin Clarence. In this episode, Austin talks about a major change in the lending world – how Credit Karma's VantageScore can now be used by certain lenders, and why it often beats traditional FICO scores. Austin explains the key differences between FICO and VantageScore, how agents can leverage Credit Karma with their buyers, and why focusing on monthly payment (not just rate) is critical in today's 6%+ rate environment. Austin also shares new loan options for self-employed borrowers and highlights a big, often overlooked opportunity with older buyers who are sitting on equity and inheritance-driven cash. Subscribe to Austin's newsletter by sending an email to aclarence@nexalending.com. If you'd prefer to watch this interview, click here to view on YouTube! Austin Clarence can be reached at +1 650-906-2376 and aclarence@nexalending.com. This episode is brought to you by Real Geeks and Courted.io.

The parties appear to have reached a settlement - at least they are working toward one. https://www.lehtoslaw.com

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Looking to upscale your fintech leadership team? Start at tieronepeople.comMichelle Bagnall is the CEO of BankFirst, a mutual bank with 92,000 members and $4.7 billion in assets that exists to serve nurses and teachers in Australia. In this episode she tells Dexter the origin story of a bank that started with $480 in a shoebox, explains why nobody at BankFirst gets paid a bonus, and makes the case that mutuals were the original fintech startups.00:00 Introduction 03:08 The Origins of Bank First and Peer-to-Peer Lending05:30 Understanding Mutual Banks and Their Model10:54 Competing with Big Banks and Neo Banks14:24 Leadership and Culture at Bank First21:15 Finding Passion and Purpose in Banking31:04 Bank First's Role in Supporting Members During Economic Challenges36:00 The Complexity of Financial Solutions and Collaboration40:47 Opportunities at Bank FirstLinksMichelle Bagnall LinkedIn: https://www.linkedin.com/in/michelle-bagnall/BankFirst: https://www.bankfirst.com.auTier One People: https://www.tieronepeople.comDexter Cousins LinkedIn: https://www.linkedin.com/in/dextercousins/Send us Fan MailConnect on with Dexter Cousins on LinkedinHire Exceptional Fintech TalentSubscribe on LinkedIn

Buying a business is exciting, but navigating the financing side without the right lender can cost you everything. Jared Johnson is an SBA lender and business acquisition specialist with nearly $900 million in closed deals. He breaks down what it takes to finance and close a business acquisition the right way. Learn why most buyers underestimate the importance of their lender choice and why taking on less leverage may be the smartest move you make.   In this episode, you will: Learn why your SBA lender choice can make or break your deal Discover the hidden trap of debt purgatory that most buyers fall into Understand why the quality of earnings upfront changes everything   Highlights: (00:00) Meet Jared Johnson (04:25) Building a team and managing high deal volume (06:30) Why choosing the wrong lender kills your deal (11:05) The evolution of the business buyer landscape (18:30) How brokers misrepresent financials and what to do (22:50) Why quality of earnings should be done upfront (28:57) Debt purgatory and the hidden risk of 90% leverage   Resources: For past guests, please visit https://www.defendersofbusinessvalue.com/   Follow Jared Johnson: https://www.linkedin.com/in/jaredwjohnson/    Follow Ed: Connect on LinkedIn: https://www.linkedin.com/in/edmysogland/ Instagram: https://www.instagram.com/defendersofbusinessvalue/ Facebook: https://www.facebook.com/bvdefenders  

Wanna work with us? Schedule a call here: https://go.oncehub.com/bookacall What does it take to build a private lending business that survives multiple market cycles? In this special crossover episode, Jason and Chris join Kevin Kim on the Lender Lounge Podcast to break down the nearly 20-year journey behind Hard Money Bankers — from launching during the 2007 financial crisis to building one of the Mid-Atlantic's most recognized private lending companies. The conversation dives deep into conservative underwriting, raising and protecting private investor capital, adapting through shifting markets, and why long-term sustainability often beats aggressive growth. Chris and Jason also share insights on institutional capital entering the space, maintaining deal flow in competitive markets, and structuring a lending company that functions as both an operating business and an investment vehicle. Whether you're an active private lender, real estate investor, or building a lending business from the ground up, this episode delivers real-world insights on risk management, scalability, investor trust, and staying disciplined through every cycle. Topics Covered: • Building a private lending company during the 2008 downturn • Raising private capital vs. institutional funding • Conservative underwriting strategies that protect lenders • The evolution of the hard money and bridge lending industry • Scaling operations while maintaining control and discipline • Balancing growth, leverage, and risk management • Expanding into commercial and bridge lending • Creating long-term investor relationships and trust • The rise of Hard Money Mastermind and lender collaboration ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com   FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind  

Today, my guest is Guffy Wright. Guffy Wright is a multifamily insurance expert 20 years or with 20 years experience helping operators protect and grow equity. He built the Mahoney Group's Real Estate Practice, oh, and to over 100 million in premiums, and has created tools that turn insurance into strategic advantage. And in just a minute, we're going to speak with Guffy about why your insurance broker might be your biggest competitor https://www.linkedin.com/in/guffy-wright-752679b  

Welcome to our monthly feature Learn With A Lender with Austin Clarence. In this episode, Austin breaks down the upcoming Federal Reserve leadership change and what it could mean for interest rates and market volatility. Austin unpacks the often-misunderstood relationship between Fed policy and mortgage rates, while diving into practical strategies investors are using in today's market, including DSCR loans, LLC structuring, and creative rate buydowns. Next, Austin explores how to find and build relationships with real estate investor clients through platforms like BiggerPockets and networking with financial professionals. Last, Austin covers powerful tax strategies such as depreciation and cost segregation, and how investors are continuing to scale rental portfolios even in a higher-rate environment. Subscribe to Austin's newsletter by sending an email to aclarence@nexalending.com. If you'd prefer to watch this interview, click here to view on YouTube! Austin Clarence can be reached at +1 650-906-2376 and aclarence@nexalending.com. This episode is brought to you by Real Geeks and Courted.io.

Why Shopping for a Mortgage Lender Can BackfireShopping for a mortgage lender sounds like the smart move—but if you're only chasing the lowest interest rate, it could cost you more money, more stress, and even your dream home.In this episode of The Educated Homebuyer, Josh Lewis and Jeb Smith break down the top 5 reasons you should not shop for a lender the wrong way. They explain why rate shopping without a full pre-approval, loan program clarity, and accurate cost comparisons often leads homebuyers into confusion instead of confidence.What You'll Learn in This Episode Why the lowest mortgage rate is not always the best deal How discount points can make a lender quote look better than it really is Why you should not compare mortgage quotes from different days How talking to too many lenders can create analysis paralysis The right way to shop for a mortgage lender in 2026If you're a first-time homebuyer, refinancing, or preparing to buy a home in 2026, this episode will help you understand how to compare lenders the right way—without getting misled by teaser rates, hidden fees, or incomplete pre-approvals.Josh also shares the smarter approach: start with a complete mortgage pre-approval, understand your loan program, compare zero-point pricing, and work with an experienced mortgage advisor who can guide you from application to closing.✅ Ready to buy a home in 2026? Start your stress-free journey today:theeducatedhomebuyer.com/start

José Castro understands the mortgage language of escrow? Did you know there are dfferences.

Why can success still leave you feeling empty?In this episode, I speak with James Ostroburski OAM, a banking executive, entrepreneur, philanthropist, and mental health advocate.James built and led a lending business that deployed over $2 billion, while privately navigating depression, burnout, ADHD, and the pressure of always needing to achieve more.We talk about ambition, identity, childhood pressure, mental health, and what happens when everything looks successful from the outside but something feels wrong underneath.This episode will change how you think about success, pressure, and the cost of ignoring your mental health.James Ostroburski is the founder of Tyalla Capital and former CEO of Kooyong Group (now Avant Finance), where he led over $2 billion in lending, and continues to be involved in philanthropy and mental health advocacy.Timestamps: (00:00) Introduction(00:31) Success, Yet Empty(01:55) Two Speed Childhood(03:39) Ballet Pressure Cooker(09:03) Stoicism And Balance(10:21) Why Finance Chose Him(14:35) ADHD Finally Named(17:16) Investec To Culture Shock(24:10) Grief And Breakdown(26:06) Treatment And TMS(30:47) Quitting And Finding Purpose(32:28) Philanthropy Roots(34:42) Betty Amsden Mentorship(38:57) Starting Kooyong(40:08) Scaling Kooyong Fast(40:35) Insurance Deal Then COVID(43:15) Lockdown Growth Playbook(44:30) Philanthropy And Boards(47:41) Mentorship And Asking(50:43) Writing To Leaders(55:50) Shareholder Power Shift(59:59) Grandfather Loss And Crash(01:10:20) Exit Terms And Aftermath(01:11:39) Rebuilding Health And Business(01:18:01) Trust Lessons And WrapConnect with Nick:Instagram: https://instagram.com/nickbracksWebsite: http://nickbracks.comEmail: contact@nickbracks.comConnect with James:LinkedIn: https://www.linkedin.com/in/jostroburski/ Hosted on Acast. See acast.com/privacy for more information.

On this episode of The Real Wealth Show, Kathy Fettke sits down with mortgage expert Caeli Ridge for a 2026 lending update built for real estate investors. They break down today's investor mortgage rates, HELOCs, cash-out refinances, DSCR loans, paying points, and why experienced investors are still buying in today's market. If you're waiting for rates to drop or sitting on equity, this episode will help you think like an investor—and do the math.

The national average F&I per copy in powersports is $370. Alex Reyes and his team are targeting $1,000 as their floor, not their ceiling.Alex is the General Manager at Broward Motorsports Treasure Coast in Hobe Sound, Florida, part of an eight-location group. He has spent the better part of the last decade building and running the F&I operation at one of the most active powersports dealer groups in the country. Three-time PSB Magazine 40 Under 40. MPN author. Featured on Auto Finance News with Synchrony. And he came from automotive at Hyundai Motor, which gives him a benchmark most powersports F&I people never had.This is the most comprehensive F&I conversation we have ever done on this podcast. We go from the product menu all the way to pay plans, lender strategy, the digital customer, and what metrics a GM should be watching every single week.What we cover:Why the $370 powersports average vs $2,500 automotive F&I gap comes down to habits, training, and focus, not talentAlex's first career move into powersports and why the emotional nature of the purchase changes the entire F&I conversationWhy financing is still an afterthought at too many stores and the simple script to shift that conversation at the point of saleThe 400% rule: offer every product, every customer, every time with 100% effortThe two non-negotiable products in any powersports F&I office and why ESC is not an upsell, it is a safety netWhy 85% of powersports repossessions trace back to mechanical failure and what that means for every service contract conversationThe GAP math: when to offer it at full LTV, what to say at 70% or under, and when to leave it outPrepaid maintenance as a VIP retention tool, saving customers 30-40% while bringing them back to your service bayHow Alex built a near-prime and subprime lending program at Broward from scratch and why a single-lender strategy is a one-hand-tied-behind-your-back problemThe Synchrony Outdoors card as a cross-departmental revenue tool that works across sales, parts, and serviceThe used bike lending reality: LTVs are different, CITs need to move fast, and MotoHunt helps you buy right in the first placeAlex's unorthodox F&I handoff: the business manager gets involved the moment credit is submitted, not at the endThe "tour de ride" concept and how Broward turns the wait time before the box into a dealership relationship builderHow to handle time in the box without killing the customer experience and the Jimmy at school storyThe baseball farm league approach to building F&I talent from the ground upWhy pay plans based on product mix produce better behavior than pay plans based on sheer PVR volumeThe three numbers a GM has to watch every week: cash to finance ratio, penetration by product, and CITWhat an F&I training program actually looks like and why Rob Greenwald gets the call when Alex needs outside helpThe CRM cadence for declined deals and why a no today is a lead for laterSoft pulls, VIP appointment setting, and where Broward draws the line on digital deliveryWhat Alex looks at first when a GM suspects their F&I department is underperformingWhy penetration rates tell a better story than PVR and what to do when they are out of balanceWatch on YouTube: ⁠https://youtube.com/@dealershipfixit?si=xGw636a89UUDAK20⁠Connect with Alex Reyes: ⁠https://www.linkedin.com/in/alex-r-a97a321a0/⁠Broward Motorsports Treasure Coast: ⁠https://www.browardmotorsportstreasurecoast.com⁠PowerSports HQ (Alex's YouTube): ⁠https://youtube.com/@PowersportsHQAlex⁠Connect with Jacob: ⁠https://linkedin.com/in/jacob-b-berry⁠Follow the Fixit Online: ⁠https://linktr.ee/dealershipfixit⁠MotoHunt for Dealers: ⁠https://dealers.motohunt.com⁠

Westfair Communications held an awards ceremony on April 20th, 2026 to honor Fairfield County's 2026 40 Under Forty Honorees, a distinguished group of young professionals recognized for their exceptional dedication and leadership across Fairfield County. More than just an accolade, this program serves as a powerful platform to celebrate high-caliber individuals who embody grit and a bold commitment to redefining success. By showcasing those who achieve remarkable industry milestones and inspire others with innovative ideas, the honor significantly enhances professional visibility and opens doors to future opportunities. The evening celebrated the passion and innovation of those daring enough to make a lasting impact on our community and the regional business landscape.Fairfield County Talk Radio was there to capture the excitement. Paul Lutsky, Commercial Lender, Fairfield County Bank, spoke with host Joan Franzino. Paul recounted his 15-year career journey, starting as an intern at a single-branch bank where he learned the business from the ground up. He discussed the current regional boom in commercial and mixed-use real estate and the bank's role in supporting small business owners like landscapers and restaurateurs. 

Episode of the Organic Growth Podcast series recorded live at the McGuireWoods Healthcare Private Equity & Finance Conference, this conversation explores how lenders evaluate organic growth—and what healthcare organizations must demonstrate to secure capital.

There's one team member most flippers wildly underestimate.It's not your contractor. It's not your acquisitions manager. It's not your dispo agent.It's your lender.Most operators treat their lender like a vending machine. You only think about them when a contract hits your desk, and you shop them by rate like they're interchangeable. That's exactly why most operators stay stuck.The flippers who actually scale figured out something different.The right lender isn't a vendor. They're one of the most important members of your team, and the fastest lever you have to grow.In this episode, I sat down with Brandon Goldstein from Renovo Financial at our member event in Cancun to break down what that actually looks like:Why a great local loan officer is a free second underwriting on every deal, and why their pushback is worth more than most coaching programsHow a lender funding 40+ deals a month in your market gives you intel you literally can't buy as a newer operatorWhy chasing 100% financing on your first few deals can quietly wreck your next oneWhat scaling to $10M+ in active loan exposure actually looks like when you have the right partnerWhy the grass isn't greener if you're eyeing new construction as your way out of a tough flipping marketAnd the rule every serious operator learns the hard way: you need capital before you need capitalWant to connect with Brandon directly? Reach him at bgoldstein@renovofinancial.comIf you've ever shopped lenders by rate alone, this one's going to change how you think about who's actually on your team.And if you want to be in a room with operators who think this way, that's exactly what 7 Figure Flipping is built for. The members you heard about in this episode, the ones doing volume, building real teams, and treating their capital partners like assets, they found each other here. If you're ready to grow your flipping business with people who are already where you want to be…CLICK HERE to Apply for 7 Figure Flipping >>Catch you later!LINKS & RESOURCES1,000 FREE Seller LeadsGet your first 1,000 seller leads FREE from our partner BatchLeads and start closing deals immediately. CLICK HERE: http://leads.getbatch.co/mztQkMr7 Figure Flipping UndergroundIf you want to learn how to make money flipping and wholesaling houses without risking your life savings or "working weekends" forever... this book is for YOU. It'll take you from "complete beginner" to closing your first deal or even your next 10 deals without the bumps and bruises most people pick up along the way. If you've never flipped a house before, you'll find step-by-step instructions on everything you need to know to get started. If you're already flipping or wholesaling houses, you'll find fast-track secrets that will cut years off your learning curve and let you streamline your operations, maximize profit, do MORE deals, and work LESS. CLICK HERE: https://hubs.ly/Q01ggDSh0 7 Figure RunwayFollow a proven 5-step formula to create consistent monthly income flipping and wholesaling houses, then turn your active income into passive cash flow and create a life of freedom. 7 Figure Runway is an intensive, nothing-held-back mentoring group for real estate investors who want to build a "scalable" business and start "stacking" assets to build long-term wealth. Get off-market deal sourcing strategies that work, plus 100% purchase and renovation financing through our built-in funding partners, a community of active investors who will support and encourage you, weekly accountability sessions to keep you on track, 1-on-1 coaching, and more. CLICK HERE: https://www.7figureflipping.com/runway Connect with us on Facebook and Instagram: @7figureflipping Hosted on Acast. See acast.com/privacy for more information.

Most investors start with their local bank because the rate is better. Then the DTI Avalanche hits at property three, four, or five, and the regret starts. In this episode of Chasing Financial Freedom, Ryan DeMent walks through exactly why local bank financing becomes a ceiling for scaling investors, how stacking properties on your personal credit quietly destroys your ability to grow and buy your own home, and what guardrails every investor needs before signing any financing. From LLC titling and personal guarantees to autopay transfers, prepayment penalties, and conservative rent comps in a softening market, this episode gives you the full picture so your next financing decision is built on strategy, not just the lowest rate on the page.

Send us Fan MailOne well-meaning email can slow down a closing or stop it cold, and it happens more often than you'd think. We're Jim and Laura, and we're pulling back the curtain on a costly mistake home buyers and real estate agents keep making: sharing the full home inspection report with the loan officer or even an insurance company. That report is detailed by design, and when it lands in underwriting, it can turn routine home inspection findings into “conditions” that trigger delays, extra inspections, and repair demands. We walk through a true story where a minor electrical issue, basically an unfinished light fixture with exposed wiring, starts as a straightforward fix. Then the scope balloons. A full electrical report gets created, the entire document gets forwarded, and suddenly the lender is staring at a long list of older-home issues they never asked for. We explain what the lender actually needed all along: a simple confirmation that the specific item was repaired, documented cleanly and clearly. From there, we get into the pattern we see with basement moisture, foundation questions, and confusing lender emails that lack standard language. We share how we handle those requests as home inspectors, why we push for precise questions, and how to avoid opening a new can of worms like mold testing or structural engineering when it isn't warranted. If you're buying a home, selling a home, or guiding clients as a real estate agent, this is practical advice for protecting your mortgage approval, reducing closing delays, and using your inspection report the way it's intended. If this helped, subscribe, share it with a buyer who needs it, and leave a review so more people stop making the same mistake. What part of the home buying process has surprised you most?Support the showTo learn more about Habitation Investigation, the Three-time Winner of the Best Home Inspection Company in the Midwest Plus the Winner of Consumer Choice Award for Columbus Ohio visit Home Inspection Columbus Ohio - Habitation Investigation (homeinspectionsinohio.com) NBC4 news segments: The importance of home inspections, and what to look for | NBC4 WCMH-TVAdvice from experts: Don't skip the home inspection | NBC4 WCMH-TVOSU student's mysterious symptoms end up tied to apartment's air quality | NBC4 WCMH-TVHow to save money by winterizing your home | NBC4 WCMH-TVContinuing Education for Ohio Agents Scheduled classes Continuing Education for Ohio Agents Course listings...

What if the best mortgage option for your client isn't a new loan? In this episode, James and Keith sit down with Ryan Thomson, aka "The Assumable Guy", to break down one of the most overlooked opportunities in real estate: assumable mortgages. These loans have been around for decades, but most agents, lenders, and buyers have completely forgotten they exist. Ryan explains how buyers can take over a seller's low-interest mortgage, potentially saving hundreds, or even thousands per month, and why this strategy is becoming more powerful in today's higher-rate environment. If you want to stand out, create real value, and unlock deals most agents miss, this episode is a must-listen. Connect with Ryan on LinkedIn.   Learn more about The Assumable Guy on Instagram - TikTok - Facebook and online at assumableguy.com.   Stay ahead of the market with insights from Zillow's Consumer Trends Report. This annual research breaks down what buyers and sellers are actually doing and what they expect from their agents.    With 55% of buyers being repeat buyers, yet only 13% using their previous agent again, the message is clear: past performance doesn't guarantee future loyalty. Even more telling, nearly half of buyers and over half of sellers hire the first agent they contact.    Today's clients prioritize pricing strategy, negotiation expertise, and a seamless, organized offer process. If you want to position yourself as the agent they choose in 2026, start with the data.    Explore the full report and put these insights to work in your business. https://bit.ly/4rDZg3M   Subscribe to Real Estate Insiders Unfiltered on YouTube! https://www.youtube.com/@RealEstateInsidersUnfiltered?sub_confirmation=1   To learn more about becoming a sponsor of the show, send us an email: jessica@inman.com   You asked for it. We delivered. Check out our new merch! https://merch.realestateinsidersunfiltered.com/   Follow Real Estate Insiders Unfiltered Podcast on Instagram - YouTube, Facebook - TikTok. Visit us online at realestateinsidersunfiltered.com.   Link to Facebook Page: https://www.facebook.com/RealEstateInsidersUnfiltered Link to Instagram Page: https://www.instagram.com/realestateinsiderspod/ Link to YouTube Page: https://www.youtube.com/@RealEstateInsidersUnfiltered Link to TikTok Page: https://www.tiktok.com/@realestateinsiderspod Link to website: https://realestateinsidersunfiltered.com This podcast is produced by Two Brothers Creative. https://twobrotherscreative.com/contact/  

Tune in for some customer intelligence and perspective, but not from an equipment buyer…but rather from someone who has a front-row seat on buyer activity every day. This month, we're talking to Mike Harmon, vice president of sales at IEDA Associate Member AFG. A well-known IEDA sponsor and advertiser, Harmon brings us some market insight through the back door, you might say, based on his daily interactions with equipment end users as well as independent dealers. Kicking off with a look at trends and rates in the construction equipment finance sector, we then explore what's on the minds of equipment buyers — what they're concerned about and whether optimism or pessimism prevails so far this year. Join us as we discuss buying and pricing trends, too, as well as what dealers can do to sweeten the pot on a stagnating deal.   Connect with Mike: LinkedIn   Connect with IEDA: Visit IEDA Group Website IEDA Events   Produced By: Social Chameleon

2 hours and 54 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, The Aretha Franklin Amphitheatre, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Spring Game - Offense Starts at 0:51 Seth has a hypothesis that you can define running backs by the sound you involuntarily make when they carry the ball. You can practice this in the shower. Ohio State had a high scoring spring game, also a lot of rain. Bryce's play was concerning. He didn't look comfortable in the pocket and scrambled a lot. The defense wasn't allowed to do anything fancy or blitzed, they mostly played in a Cover-2. That said, not ever having the starting offensive line together does not help the quarterback. Tommy Carr was able to sit there and do some three step drop stuff, which are throws that Underwood didn't throw. He doesn't have the arm strength but he was making better decisions. Who would you compare him to, Tate Forcier? Dylan McCaffrey? Alex Smith? Did Michigan lose a year of Bryce Underwood's development? Kyle Whittingham has a track record of developing good running quarterbacks, so maybe what we saw in the spring game was not super relevant. Maybe Bryce is like a freshman Cam Newton or redshirt Freshman Vince Young. Even if they don't have a great passing game they can still run a good offense with the running tools they have. Some of the scrambling may have been a result of pass rush and playing against Cover-2. Poor Jordan Marshall getting ruled down after four yards. Savion Hiter is absolutely going to be the real deal. It was an up and down game from the wide receivers but they also didn't get many opportunities. There has never been an elite wide receiver who has worn #3 at Michigan. Browder had a ball bounce off his face mask but then got a nice catch later. Hogan Hansen has barely been able to play football for the last year and a half. The gang argues over fullback snap counts. Guys getting wrecked against defensive tackles is fine because we want to see progress from the defensive tackles (in the spring game).  2. Spring Game - Defense Starts at 43:54 It was generally encouraging that the defensive line beat up the offensive line. Sprague lost to Edokpayi a couple times. Cam Brandt beat Frazier at one point. Nate Staehling hasn't been available at all so there's still some hope that he'll be really good when he arrives. All the linebackers are defensive backs right now. Palepale really stood out. Benny Patterson was a defensive end to keep an eye on. What did we see from the linebackers? Uhhhhhh. Taylor Tatum might be a real safety? Corner has four names for three spots which is a good spot to be in. A kicker missed a 29 yard field goal, they should've faked a field goal for the game winning touchdown since they weren't trying to block kicks.  3. Hot Takes and Basketball/Hockey Portal Starts at 1:06:36 Takes hotter than the Kitchener Rangers GM after the Michigan hockey team stole from them. The portal has been slow enough to include both basketball and hockey. The roof of Yost fell off to conserve the vibes of the roster. Perron remains the only question mark. They're also about to get the top two picks out of the CHL. The roster is pretty much done, they don't even need to go to the portal. This team should be the #1 team in the pre-season poll next year. Michigan men's basketball turns its attention to Cincinnatti center Moustapha Thiam. A 7'2" rim defender who could replace a likely Mara departure. Apparently there is a situation with a handler from Senegal. It's looking more like Mara is gone and Morez is back. Is there a chance Mara returns? Probably not, but he needs to make a decision. Brian doesn't want to throw the whole bag at Juke Harris. Overall it's been quiet and they need to start making some moves.  4. Gimmicky Top Five Moments of Basketball Season Starts at 1:48:33 Everyone's top five moments of basketball season, plus Seth's 74 honorable mentions. Elliott Cadeau going 2-15 and controlling the Arizona game, undefeated on the road, and Dusty sitting in front of the Michigan State bench. They didn't just boat race those teams in Vegas but they broke the point system. Oscar Goodman thunder dunks. Scooping up confetti is like the fan version of raising a banner. Jeremy Fears kicking a Minnesota guy in the balls signified that it was not just a Michigan thing. Then Izzo fouling Michigan for ten minutes and complaining about Michigan getting more free throws. The Arizona win stamps this season as "one of the best teams of the last 25 years." You can just sit on a couch in a certain way and piss off Michigan State fans now. McKenney's mid-range jumpers in Breslin were the coldest mid-range jumpers ever. What have been your favorite tournament blowouts? Michigan's mascot should be Mitch McGary in an oversized Mitch McGary suit.  MUSIC: "Spring Game"—Biz Markie "Going Shopping"—The Srokes "Baby Steps"—Olivia Dean “Across 110th Street”—JJ Johnson and his Orchestra   

The latest episode of the Consumer Finance Monitor Podcast being released today tackles one of the most consequential developments in bank–fintech litigation in recent years: the Los Angeles Superior Court's tentative decision in Opportunity Financial, LLC v. Hewlett (read more here). This case squarely addresses the long-debated "true lender" doctrine which has for decades bedeviled banks and Fintechs and "bricks and mortar" non-banks that have entered into joint ventures with one another to engage in interstate lending programs which take advantage of interest rate exportation rights afforded to banks. After applying application California and federal law, the Court granted summary judgment to OppFi and against the California Department of Financial Protection and Innovation (DFPI) which unsuccessfully maintained that OppFi is the true lender and not OppFi's partner, FinWise Bank. In this episode, host Alan Kaplinsky, founder and former chair of the Consumer Financial Services Group and now Senior Counsel, is joined by two leading voices with sharply contrasting perspectives: Professor Emeritus Arthur Wilmarth, a prominent critic of bank–fintech partnerships, and Ballard Spahr Senior Counsel Ron Vaske, who regularly advises banks and fintech companies on structuring such programs. Their discussion offers a deep and balanced exploration of the court's reasoning and its broader implications.   A Tentative Decision with Significant Implications At the center of the case is a partnership between OppFi, a fintech platform, and FinWise Bank, a Utah-chartered, FDIC-insured institution. The program allowed FinWise to originate consumer loans at interest rates permissible under Utah law and export those rates nationwide under Section 27 of the Federal Deposit Insurance Act. The DFPI challenged the arrangement, arguing that OppFi—not FinWise—was the "true lender," which would subject the loans to California's 36% interest rate cap. In a tentative ruling, the court rejected the DFPI's position and granted summary judgment in favor of OppFi. The court emphasized traditional indicia of lending authority, including: •           FinWise's role in funding the loans •           Its control over underwriting criteria •           Its retention of a 5% ownership interest •           Its ongoing oversight of compliance and marketing Critically, the court also relied on the longstanding California law principle that usury is determined at the inception of the loan. (See the discussion below.) Because FinWise originated the loans, the court concluded they were not rendered unlawful by OppFi's subsequent purchase of a 95% participation interest giving which gave it a predominant economic interest.   Competing Views on "True Lender" The podcast highlights a fundamental divide in how courts and commentators approach the true lender doctrine. Professor Wilmarth argues that the court failed to meaningfully engage with the "predominant economic interest" test, which focuses on who bears the majority of the economic risk and reward. In his view, OppFi's 95% participation interest suggests that it—not the bank—is the real lender in substance. He also raises broader concerns about whether such arrangements undermine state usury laws and expose consumers to excessively high-cost credit. Ron Vaske, by contrast, emphasizes the legal and structural realities of the transaction. He underscores that FinWise is the named lender, funds the loans, and remains legally responsible to borrowers. From this perspective, the allocation of economic interests after origination should not redefine the identity of the lender or override federal law permitting rate exportation.   The Role of "Valid When Made" Another key related theme explored in the episode is the "valid when made" doctrine—the principle that a loan that is lawful at origination remains lawful after assignment. The court's reliance on this concept reinforces the importance of determining lender status at the moment the loan is made, rather than based on subsequent transfers or participations. The discussion also touches on the interplay between state and federal law, as well as the continuing relevance of regulatory interpretations following the Supreme Court's decision in Loper Bright, which curtailed Chevron deference.   What Comes Next? It is important to note that the court's ruling is still tentative. In accordance with California procedure, OppFi must submit a proposed final opinion and order to the Court. If adopted, an appeal by the DFPI appears likely—potentially setting the stage for further appellate guidance on the true lender doctrine in California and beyond.   Why This Matters This case is part of a broader and ongoing policy debate: ·                 Supporters of bank–fintech partnerships argue they expand access to credit and operate within well-established federal banking frameworks. ·                 Critics contend they can be used to circumvent state consumer protection laws, particularly interest rate caps. As the regulatory and judicial landscape continues to evolve, OppFi v. Hewlett represents a significant—and closely watched—development. It may be significant to note that, unlike several other states, California does not have a statute stating that the holding of a "predominant economic interest" in a loan makes the holder the true lender  Be sure to listen to the full podcast episode for a deeper dive into the case and the competing legal and policy perspectives shaping the future of bank–fintech partnerships. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

In this episode of LoanOfficerPodcast.com, host Chris Johnstone reveals a powerful new AI-driven lead source that's already helping one of his clients close 40% of their loans from AI referrals — and shows loan officers how to position themselves as the go-to "second opinion lender" that AI tools like ChatGPT recommend when borrowers upload a competitor's quote.   AI is already sending borrowers to your competitors — Chris breaks down how consumers are uploading loan quotes and pre-approvals into ChatGPT and asking it to find them a better deal, and exactly how to make sure AI is recommending you as the alternative lender in your market. Live build: a second opinion calculator tool — Chris walks through using Claude Code to build a custom mortgage comparison tool that loan officers can embed directly on their website, turning AI-referred visitors into captured leads with a real workflow. Train AI to see you as the expert — Learn the weekly content strategy that teaches ChatGPT, Grok, and Gemini that you're the authority on specific loan products in your market, so AI consistently surfaces your name when borrowers are ready to take action.   If you're a loan officer who wants to stay ahead of where the leads are going, subscribe to LoanOfficerPodcast.com so you never miss an episode. And if this episode gave you value, please take 10 seconds to leave us a 5-star rating — it helps us reach more loan officers just like you. ⭐⭐⭐⭐⭐

1 hour and 58 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. Hockey - Recapping the Frozen Four Starts at 0:51 We gotta talk about the hockey tournament. The fake hockey tournament. Whether they won or lost, it doesn't change anything about who this team was. Michigan played well enough to win, but one shot in nine minutes ended it. Almost every year it's not the best team that wins, it's usually Duluth or Denver. Denver is like the UConn men's basketball of hockey. There's no emotional story to apply your fandom to when it's just randomness. Denver's lack of penalties that were objectively bad no-calls just doesn't make it feel fair, especially the way they called Michigan's penalty in OT. even Alex and David think it was egregious, the players that poured their hearts into this deserve better. There is something wrong with this tournament, there would be a lot more respect for Buccigross if he would say something along those lines. There's not something wrong with Michigan, there's something wrong with the tournament. Imagine if in basketball they just stopped calling fouls in OT.  2. Hockey - Looking Ahead Starts at 27:50 Moldenhauer and Hage have announced returns. Apparently players have been informed to avoid the AHL if they can, college is a lot more enjoyable. Jack Nesbitt is the 12th overall pick and could be coming in, he's a TJ Hughes replacement. He's in the OHL playoffs and might not make a decision right away. Cameron Reid could also be coming in from the OHL, 21st overall to Nashville. Perron is the biggest one on the fence, if you get him then all your holes are plugged. JP Hurlbert is coming in regardless but he might wait a year to contribute. Nick Seaman is coming in as a 4th liner, Cooper Dennis might get deferred (and is Alex Drain sized). A lot of teams will be better next season, but Penn State had Gavin McKenna and weren't that great. Michigan State isn't missing a beat. There are a lot more, and better, options than just going to the NHL these days. They should be a pre-season top three, or maybe even top one.  3. Hot Takes and Basketball Portal Starts at 59:16 Takes hotter than the Denver Pioneers. The Red Wings need to make David Carle their head coach so they can win while being out-shot 2:1. This information might be outdated by the time you hear it! What is happening in the portal right now? Not much. Michigan gets JP Estrella out of Tennessee. He's a high efficiency but low usage player which is weird. He's a moneyball play vs getting Flory Bidunga. Otherwise there's not a lot of chatter. We're starting to expect Morez Johnson to return. Michigan needs a true rim protecting center and could probably also use a starting three. Juke Harris is worth going after but not worth the big bag, give that to the Seton Hall center, Najai Hines. Freshman Brandon McCoy went to a camp and looks like a guy you could have for 20 minutes a game. There's a trust of Dusty in the portal that the fanbase didn't have with Juwan. The Big Ten runs college basketball now. How would Beilein have done during this era?  4. Spring Game Preview Starts at 1:38:41 Spring Game is this weekend at 2pm, 12-18 starters will be sitting out. Bryce will probably play since they don't have enough quarterbacks, we better see Savion Hiter. Position groups are going to be split into balanced squads rather than have a draft, making it more like a controlled practice than a real game. In years past it was frustrating to see future NFL linemen with a walk-on running back behind them, you can't learn much from that. We expect to see a more evolved version of the offense with more quarterback runs. There is Travis Johnson buzz at wide receiver. Brian doesn't want to hear about Kendrick Bell. Hogan Hanson is generating excitement and the offensive line has intriguing positional battles. Evan Link is back and might play, Babalola is not playing yet. Whittingham is good at running the quarterback, it won't be the 2011 offense but it should be effective. The coaches apparently like the depth on the defensive line and think it's the strength of the team, which, ehhhh. Brian breaks down why this is not true. They trust Palepale. Do you prefer EDGE or ED? Linebacker depth is a concern, they don't really have anyone to back up the three main guys. The secondary should be settled in. Shamari Earls is making a move at corner. Who's at nickel now? If Rod Moore isn't on the field in the spring game then enjoy a nice coaching career. Kerry Coombs brings a lot of old guy energy and gets mic'd up a lot. Jay Hill is like the mormon kid from South Park. Don't blame us if it rains. MUSIC: "I Root"—Michael Nau "Sitting Still"—Michael Rault "Sails Across the Sea"—Boz Metzdorf “Across 110th Street”—JJ Johnson and his Orchestra   

The deal wasn't the problem—the debt was, and it nearly took everything down with it.Most investors focus on finding the right deal… but very few are prepared for what happens when the lender becomes the biggest risk in the room.In this conversation, we get into the realities operators faced over the past few years—where rising rates, shrinking margins, and rigid lenders forced hard decisions: inject more capital, negotiate under pressure, or risk losing everything.This isn't theory. It's what actually happens when deals get tight.If you're serious about building a multifamily business that survives market shifts—not just thrives in good times—this is the level of thinking you need.

Welcome to our monthly feature Learn With A Lender with Austin Clarence. In this episode, Austin and D.J. discuss the new Fannie Mae and Freddie Mac rules that will push condo HOAs to increase reserve funds from 10% to 15% and what that means. Next, they discuss how real estate agents can turn these changes into opportunities by educating condo owners and HOA boards, positioning themselves as trusted experts. Austin also explains how bridge loans and HELOCs let homeowners tap into their equity to buy before they sell, and how to navigate today's higher-rate environment shaped by global conflicts, inflation, and oil prices. Subscribe to Austin's newsletter by sending an email to aclarence@nexalending.com. If you'd prefer to watch this interview, click here to view on YouTube! Austin Clarence can be reached at +1 650-906-2376 and aclarence@nexalending.com. This episode is brought to you by Real Geeks and Courted.io.

What if AI could match your real estate deal to the perfect lender — instantly?

In this episode of Connecticut Real Estate Edge, Rob Weinberg breaks down the biggest mistakes homebuyers make when choosing a realtor or mortgage lender and how these decisions can impact your finances far beyond the closing table. Many buyers focus on interest rates and home prices, but overlook the importance of working with the right professionals. Rob explains why choosing based on convenience, chasing the lowest rate, and failing to ask the right questions can lead to costly outcomes. Whether you're a first-time homebuyer or planning your next real estate move, this episode will help you make smarter decisions and avoid costly pitfalls.

2 hours and 9 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. Just Won a Natty/Indianapolis Vibes Starts at 0:51 No crying this time, but we do think we can have nice things now. You get out of it what you put into it; the UMHoops guys are probably experiencing the highest of highs. The 2023 football championship was a thing no other fanbase has experienced; this is what a normal natty feels like. Some of us survived the 2023-24 team. The story begins with the Ellerbe years, the Beilein era absolutely helped build this. Don't resent the Fab Five, but they unfairly had to represent what Michigan could be. Reconsidering the Juwan era, the heart condition, how badly he needed a GM. Beilein was spiritually (and literally) present for this team; loudest the stadium got before Michigan hit a three was when they showed him. Very unselfish team. Built through the portal—Cronin was never going to be a good fit for Mara, Rez wasn't going to have a role after Illinois got the other Ivisic, Cadeau was struggling in a bad system at UNC, Yaxel used the portal to get here from JUCO via UAB, Roddy Gayle was the national glue guy of the year, Nimari was here three years through two coaching changes, and Will Tschetter was a five-year player who took a smaller role: nobody can make a good faith argument that any of these guys don't belong here. [The rest of the writeup and the player after THE JUMP]  2. The UConn Game Starts at 27:50 Takes hotter than the rims during the final last night. Story of the game was UConn fouling the crap out of Michigan from literally the tip. Miss the first Cadeau and-one, then hit 24 free throws in a row to offset the terrible threes, until Roddy missed his pair. Snakebit shooting because Rez/Mara/Yax kept getting mismatches down low, but Michigan was able to play their bigs together, and that just made it impossible for UConn to score. Felt like Lendeborg was himself on defense; offensively he was obviously hobbled. Their communication was fantastic, and there weren't mismatches for UConn to hunt. A time or two they got Mara versus Karaban on the perimeter or something, but they didn't get backcut once. Tarris was basically shut down by Mara. Only thing they got were those ORebs, which were hat tips to them and also related to Michigan taking way the three. Next year Trey McKenney; graded on a curve he made 2 of Michigan's three jumpers, including the dagger. The Rube Goldberg three. Cadeau vs the Cadeau we thought we were getting. 3. How this Team Came Together Starts at 59:16 Revisiting how the roster came together, May's eye for talent, because every guy he got at FAU wound up a star somewhere. You can't actually build from the portal; if that's the lesson they're taking from this team they're going to get lit up. Cadeau cleaned up the TOs (but still commits them at the end of the game his banana peel). On the human to athlete personality spectrum, Mara is a normal human being, who never should have been paired with Cronin—all little guys who play basketball are born killers because you have to be, but it's common for bigs to be like that. Mara was the best player; he developed into a beast by the end of the year. Transfer teams: if you look at the rest of the top ten four didn't make the Tournament; Michigan was the only protected seed that took a lot of transfers. St. John's and Louisville were the others. Once you're been at a school a year you're not a transfer anymore. Cig vs May: Cignetti relied more on his JMU transfers. It's especially hard to recreate what Michigan did defensively, because at the end these guys won a title by doing the best job of anybody of playing with each other. Introducing the Bobby Hurley Index: How many photos do you look like Jim Carrey in The Mask? 4. Next Year Starts at 1:38:41 Are they looking at the portal list or the list of guys projected to the late 1st/early 2nd round? Mara and Rez are probably done—small chance they get Rez back. Cason going to redshirt. Gayle, Burnett, Yaxel are out of eligibility. Cadeau and McKinney: best backcourt in the country next year? McCoy is Charles Matthews-ish, going to be a major defensive presence; if you get two years out of him he's a big get but he doesn't have a deep shot, might be freshman Darius Morris or what we wanted Rubin Jones (PG who can guard 1-4) to be. Recruited lots of SFs: Grady? Liburd? Brown? All going to be 6'5" gumby-armed switchable guards. Backup PG: can McCoy or McKenney can play point for 10 mpg. Do they have a wing? Want that guy to be switchable; Seth thinks they're going to have a big war chest to find an NBA four who can play the three in addition to two bigs. Goodman will be next year's Tschetter. Need three portal bigs. Is Dusty May the #1 coach you would want to have if you were looking for one right now? UNC search was Tommy Lloyd and Dusty May right? MUSIC: "La Di Da"—Heavy Weighs the King "Don't Be Mad"—PiranhaMob    "Up and Away"—Cursive        “Across 110th Street”—JJ Johnson and his Orchestra   

What does the future of mortgage lending look like when AI acts less like software and more like a true team member?In this episode of the FinTech Hunting Podcast, Michael Hammond sits down with Athan Zhang, Co-Founder of Copperlane, to talk about how agentic AI is changing the mortgage industry. From proactive borrower engagement and document review to condition clearing, compliance guardrails, and 24/7 support, Athan shares how Copperlane is helping lenders rethink productivity, efficiency, and the role of the loan officer. This conversation covers:What agentic AI actually means in mortgageHow an AI loan officer can support borrowers and lendersWhy AI should enhance the human side of lending, not replace itThe real reasons many lenders are still slow to adopt AIHow to think about compliance, safety, and trust in AI systemsWhy lowering the cost to originate is now mission-criticalHow lenders can use AI to create a more scalable, flexible growth model Athan also explains why the lenders waiting on the sidelines may fall behind, and why the winners in this next chapter of mortgage will be the ones who learn how to combine human connection with AI-driven execution. If you are a:mortgage lenderlending executiveloan officerfintech leadermortgage operations leaderAI-curious industry professionalthis episode is for you.Connect with Copperlane:Website: copperlane.aiRequest a demo directly on their siteEmail: athan@copperlane.aiAbout FinTech Hunting PodcastFinTech Hunting features conversations with leading voices in mortgage, fintech, sales, growth, and innovation—focused on the ideas and technologies shaping the future of the industry.#MortgageAI #FintechHunting #MortgageLending #AthanZhang #Copperlane #LoanOfficer #MortgageTechnology #AgenticAI #ArtificialIntelligence #LendingInnovation #MortgageIndustry #FintechPodcast###Michael Hammond, Founder & CEO of NexLevel Advisors, is the leading fractional CMO in mortgage and mortgage technology, specializing in AI-powered growth strategy and audience development.

2 hours and 3 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. Final Four vs Arizona Starts at 0:51 Dave has a new nickname. Was this game... a let down? You could have maybe predicted that Arizona would struggle to score based on their over-reliance on twos. You probably could not have predicted that Michigan would put up over 90 points without Yaxel. Arizona was extremely physical which resulted in foul trouble, but when they got away with it they could score. Michigan forced Arizona into an ungodly number of two point jumpers off the dribble. They were 10-of-32 from mid-range. Arizona missing a dunk felt like the dagger. Michigan's maturity showed, they didn't seem blinded by the lights of the big stage. Elliott Cadeau had the greatest 2-of-14 half of basketball. Yaxel goes out the first time because of foul trouble and Arizona couldn't be more physical than Michigan's guards. Arizona has one way of playing that nobody else could stop, except for Michigan, and Arizona didn't know how to react. When shooting was tough, Trey McKenney stepped up. 16 points on 6-9 shooting, he has changed how we feel about mid-range shooting. [The rest of the writeup and the player after THE JUMP]  2. Hot Takes and National Championship Preview - UConn Starts at 33:42 Takes hotter than ADAY MARA. Connecticut is #9 in Kenpom which feels like a relief, but they do have weird tournament joujou. That's better than having to play Duke at least. Michigan vs Tarris Reed for a national championship is crazy. Tarris has matured into a hoss and is their center, his backup, Eric Reibe, is a freshman and a drop-off but still a good player. They don't really play a second big. Alex Karaban is their second biggest player and he's been around college basketball for forever but he's a big wing. This is a game where Tschetter can play. Michigan can play two bigs and put one of them on Karaban but it might only be for 15-20 minutes of the game. Should Michigan make this into a shooting fest and maximize possessions? Tarris Reed is very difficult to ware out. Braylon Mullens is a freshman 6-6 195 lbs wing that Michigan can overwhelm. Silas Demery is a transfer from Georgia, the point guard, top 25 assist rate, top 100 steal rate. Gets to the line a ton, not that great from two. Solo Ball takes most of his shots from outside of the arc, he has also been seen wearing a boot. Expect UConn to show a lot of different coverages. How much Yaxel will we get? Expect it to be a Blake Corum vs Ohio State situation. He came to Michigan to play in this game so you gotta feel for him if he can't play much. UConn's biggest advantages are blocking two point shots and assists, which Michigan should be able to take advantage of. Their path to victory is to replicate what Purdue did in the Big Ten Championship game. Once again, the difference in this game will be Aday Mara. No Paul Szelc won't be officiating this game!  ADDENDUM - Solo Ball was reported as being in a boot while this was recorded. If he's not able to play that is a huge drop-off. Even if he plays he's not going to be 100%, much like Yaxel.  3. Hot Takes and Gimmicky Top Five Commercial Takes Starts at 1:20:48 You know AI companies are running out of money because they can't even get Snoop Dogg on their commercials. Charles Barkley will say anything. Has Jennifer Garner acted in anything besides Capital One commercials in the last decade? AT&T did predict the Michigan Tennessee game. Are they putting the cocaine back in Coke? Tall Boozer looks like a normal Boozer, small Boozer looks like an AI recreation of a Boozer.  4. Potpourri: WBB, Hockey, and Football Bits Starts at 1:34:22 Women's basketball was dumptrucked, but at least we now can empathize with all the teams that played MBB. The game has gotten two chalky; it's the same four one-seeds, repeats of the same games. Is there a ceiling on this team, unless they suddenly double the money they put into it? David's hockey takes: Denver is not like or MSU who's going to take the puck off your stick, and those are the teams that Michigan struggles with. He likes Michigan with four lines and snipers versus a smaller goalie—shot quality game. Brian hates that it's Denver in the tournament. Is there a team that's looked better than Michigan in the Playoff? Wisconsin-NoDak is a pick 'em but matchup-wise Wisconsin would rather be playing Michigan. North Dakota got walked to the Frozen Four. If we lose Seth has to wear Denver jersey to the podcast. Football bits: We're in the ping-pong table removal phase. It's okay that Underwood's throwing interceptions, because he's trying them. Non-insane QB run approach. Next QB is Carr. Hiter hype continues, Salesi Moa is popping. Eli Owens fullback talk. Brian doesn't buy the talk of Babalola starting when he's been hurt, but Sprague at RG can only mean that because Frazier is securing a spot. Defensively the DT situation is good on Palepale and not good that Lea'ea is "smart" vs "much larger." Seth loves the Edokpayi talk, Benny Patterson is a Mike-Mo. Kind of a good sign the three young LBs are getting a lot of talk (albeit with a simplification). Good sign that Bracy is getting talked up for his coverage. MUSIC: "The Wino I Know"—Jimmy Buffett "Ruby"—White Denim "Long Weekend"—Cut Worms “Across 110th Street”—JJ Johnson and his Orchestra   

1 hour and 56 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. Sweet Sixteen and Elite Eight Review Starts at 0:51 Almost a stress-free weekend. Michigan overwhelms a pair of top SEC teams that couldn't be any more different from each other. Brian credited March Roddy a little, Alabama preview a lot, as they got worn out. Labaran Philon was a hero: 39 minutes, 35 points, kept them in it. They didn't have bigs; they had one Morez Johnson-like object who got worn out. Wrightsell was hitting tough threes early but as he exhausted they were falling shorter and shorter until airball. 1st round picks Amari Allen and Nate Ament are freshmen not highly valuable college players, like Diabate, and can't get anything vs Michigan's size. Lendeborg is nailing threes since Dukes started going under screens; they're practice jumpers...against top-25 teams. Tennessee very different game: ball sitting on the floor for a minute and Lappas is so confused (how does he have this job??). Officials call bad foul on Mara then have to call everything; they get three incidents of goaltending or cylinder violations and went 0/3. Gillespie couldn't be Labaran Philon and that was it. Brief spasm of irritation when Vols are getting ORebs and Mara gets a 2nd foul, then 21 balanced points; it's over when JP Estrella tries to thunderdunk on Tschetter. Everyone was complementing Yaxel. Happy when Trey McKenney shoots a three. Salute to these seniors. [The rest of the writeup and the player after THE JUMP]  2. Final Four Preview Starts at 33:00 Meta game: Everyone is at the rim now because there's a much higher floor so you aren't (like Beilein) subject to the triple gods. Arizona is a lot like Michigan but they're even more extreme, and their jumpers are usually twos. When they do get a three (rarely) Bradley and Burries can knock them down. Concern is whether they can bully Mara; NBA people will be watching his battle with Krivas, defensive impact is understated because he's a mountain you can't move. Lost to Kansas because KU was able to muscle up and push them away from the rim. Everyone packs the paint against them; if you can actually push them away from the rim they're in the 100s in 2PT distance and they're not good at 2PJs, especially Koa Peat (34% on 130 attempts). Also: Jaden Bradley (46% on 157), Ivan Karchenkov (42% on 62), and Brayden Burries (46% on 92). Difference: Arizona has three freshmen, Michigan has one, and Michigan's three-big lineup can probably make Peat inefficient to be just enough. Burries is McKenney.  Game of the century? Illinois we know; they're huge and they shoot, and they play the wrong Ivisic. Alex pulled off one of the great jinxes to get UConn over the line. Tarris Reed's final form is the switchable five who is a monster shot blocker and scorer, could be major trouble defensively for Michigan because they don't have to go under screens, takes away Yaxel's threes. The rest of those guys though? Karaban is a 6'8 version of Nimari Burnett, have some shooting guards in Braylon Mullins and Solo Ball; Solo has gone full sophomore THJ from the arc; he can't hit one in the Tournament. Silas Demary was injured to start the Dance but is a wonderful creator. Illinois question: Andrej Sotjakovic is going OFF! Is that because he found something or because he can take advantage of space as a driver against unathletic teams like Iowa? 3. Hockey Starts at 1:11:12 Bentley game: didn't dominate them but once they got the free goal (Brian was even a little upset) at the end of the 1st period; the only way Bentley wins this is if Michigan gives that up. UMD game: Alex didn't like this draw—North Dakota got an engineered free trip to the Frozen Four and Michigan had UMD. Alex also dislikes going up 3-0 early leads because you stop trying to score, and UMD was getting a lot of good looks. Got great looks, Michigan gave up too many good entries, UMD hit a post and a bar, their top line was out there like 35 minutes, Ivankovic stood tall. Tyler Duke's defense was not good on those two goals. Asher Barnett's penalty shifts the momentum. Michigan's goals: great tip, Valentini scores on a dime of a saucer from Moldy—so happy he's activated his inner fullback. Schifsky's shortie. Frozen Four preview: four teams with the most national titles. Brian DOES NOT like to play Denver in the Frozen Four; are they the favorites now? They've been playing VERY hot. North Dakota hasn't been there forever; it's been 10 years. Wisconsin we know. 4. Hot Takes and Women's Basketball Starts at 1:38:06 Takes significantly hotter than Dusty May when Mara picked up a B.S. foul 30 seconds into the game. Worst day in MSU winter sports history. NCAA could find a way to put Duke back in it but that would kill Bill Murray. WBB plays TONIGHT against 1-seed Texas. Smoked Louisville: not one but TWO 16-0 runs. They weren't transition baskets because they didn't cross midcourt; they're just 'sition baskets. No points for 7 minutes then dominated for three quarters—gonna have to play FOUR quarters from here on. BQD has seven offensive rebounds, against a huge Louisville team. Delfosse has really come on the last few weeks, Olson and Swords carried offensive, very impressed with how they dealt with Laura Zeigler; Sofilkanich handled her. Good sign for Texas's size, though they have a midrange assassin. Michigan's going to have to shoot well from three and hope Booker isn't effective from range. Home game for Texas in Fort Worth. GO BLUE!!!! MUSIC: "Gut Feeling/Slap Your Mammy"—Devo "Baywatch"—Drug Cabin "Paradise"—The Mattson 2 “Across 110th Street”—JJ Johnson and his Orchestra 

Welcome back to The Cashflow Project! In this episode, we're joined by repeat guest Joel Miller—veteran real estate investor, bestselling author, and experienced hard money lender. With roots in real estate dating back to 1978, Joel shares practical insights on hard money lending, building trust, and developing the mindset needed for long-term wealth. He also dives into lessons from decades in the industry, tips for new investors, and the importance of passing on financial knowledge. If you're looking to leverage hard money or sharpen your investing strategy, this episode is packed with real-world advice you won't want to miss. [00:00] "Real Estate Side Hustle Guide" [06:25] "Hard Money Lending Explained" [10:26] "Finding Local Hard Money Lenders" [12:01] "Lender as Partner in Investing" [15:10] "Hard Money Lending for Beginners" [21:11] "Local Hard Money Lending Benefits" [23:41] "Local Expertise Matters in Lending" [25:24] "Consequences of Poor Planning" [30:31] "Property Sale Plan to Son" [33:19] "Build Real Estate Wealth" [37:46] "Learn, Connect, Invest Together" [38:17] Honolulu Real Estate Ventures Connect with Joel Miller! Website LinkedIn Instagram Connect with The Cashflow Project! Website LinkedIn YouTube Facebook Instagram

Mortgage rates are rising again—and it's starting to impact buyer demand. In this episode, we break down why the average 30-year mortgage rate has climbed to 6.43%, the highest level in five months, and what's driving the increase. From rising Treasury yields to global tensions pushing energy prices higher, several forces are keeping borrowing costs elevated. We'll also look at the latest data from the Mortgage Bankers Association, which shows a sharp drop in mortgage applications and refinance activity. That's a sign more buyers are stepping back as affordability challenges grow. Are you looking for an investor friendly lender? Visit www.Realwealth.com/Lender to learn more.  Source: https://www.axios.com/2026/03/25/mortgage-rates-iran-war-housing-market 

#106: Welcome back to The Lender's Playbook Podcast. I'm your host, Matt Rosen, and this is Episode 106.Today's episode is all about one thing, how to invest in multifamily real estate like the pros… even if you're not one.I sit down with Victor Bell, a longtime friend and seasoned expert in the multifamily investing space. We break down what actually makes a deal profitable, the key metrics every investor and lender should understand, and how to avoid costly mistakes, whether you're investing passively or deploying capital as a private lender.If you're looking to make smarter, more confident investment decisions in multifamily real estate, this episode is for you.Thank you Episode Sponsor!Dynamic Finance GroupIf you're a real estate investor looking for speed, flexibility, and a lending partner that actually understands your deals, Dynamic Finance Group has you covered.From short-term bridge loans to fix-and-flip, new construction, and long-term 30-year rental financing, they offer solutions built to move at your pace.What sets them apart?Clear communication, hands-on support, and a team that puts your goals first.If you're ready to close faster and scale smarter, connect with Dynamic Finance Group today.https://www.dynamicfinancegroup.com/Check out the podcast I did with them! https://app.fusebox.fm/embed/player/track/Kbx2Q3jWNM/42Join us for the 5th National American Lending Conference! Oct 9-10, 2026 in Las Vegas at the Green Valley Ranch!https://www.americanlendingconference.com/

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. Segments 1-3 were in MGoPodcast 17.29a yesterday. 4. Sweet Sixteen Preview: Alabama Starts at 0:51 We hate facing three teams in the Tournament because of randomness. Bama is the Nate Oats show: he wad doing efficiency before it was cool. PG Labarn Philon isn't Aden Holloway but is lengthy can can get to the basket—Nick Boyd was his #1 comp on Hoop-Explorer. Darius Acuff was on that list too. SG Latrell Wrightsell is a shooter; he was 6/9 from three vs TTU, 38% career from three, hit 45% two years ago (on a team with Sam Walters). OLD.  Wing Amari Allen is a 6'8-205 and NOT JUST A SHOOTER. The book on Allen is don't let him shoot from the left side of the arc: 47% on 47 attempts from the left wing, 4 or 10 from the corner. But 32% straightaway on 31 attempts, 24% on 46 attempts from the right side. He's just 61% at the rim. The other wing is a timeshare between a JAS, a freshman, and an Egyptian stretch four.  At center they're lacking, sorta. Aiden Sherrell is a Detroiter—Seth sent a phot of him as a recruit to Brian once—McDonald's AA—kinda reminds us of Morez. Had major struggles at the free throw line last year (46%) that he's largely fixed. Backup is... can Charles Bediako play? No? Well Bucknell transfer Noah Williamson is actually Noa Viljamsons from Latvia; he was #1 in usage and #1 in defensive rebounding in the Patriot League but severe dropoffs all over the map in their few chances against better competition.  [The rest of the writeup and the player after THE JUMP]  5. Elite Eight Preview: Iowa State or Tennessee Starts at 22:13 Iowa State spent a lot of the season on the 1-seed line. HUUUUGE loss (unless it's better than it looked) in Joshua Jefferson (KPOY #2), who's high-usage Yax and really gave ISU their identity. PG Tamin Lipsey is Tre Donaldson. Wing Milan Momcilovic is the sniper of the year. Three different SGs with three different skills, and then they have some decent but not world-beating centers. It's really about stopping Jefferson. If it's Tennessee that's an easier matchup but maybe not a great one for Michigan because Ja'Kobi Gillespie gets his own shot, Nate Ament is mini Joshua Jefferson, and they throw these huge bodies at the offensive glass. 6. Women's Basketball: First Weekend Recap and Sweet 16/Elite 8 Preview Starts at 43:47 Firsts for Michigan WBB under Kim Barnes-Arico: 2-seed, 16-win season at Crisler, 27-win season. Muppets! Rote beatdown of Holy Cross was rote; the WBB Tournament is even more chalk as the top talent is so much better than the rest. Michigan is the best of the teams that doesn't have an All-American, but some teams have multiple. NC State game was a fun matchup that Michigan took over as soon as their threes started going down. BQD-ass game where she took over at times by swarming a team that normally doesn't turn it over with the press. Looking forward: Louisville is NC State but can shoot—they're all large and can stretch, though not very quick. Laura Zeigler was the top recruit in the portal, Taj Roberts is a tall sniper, Imari Berry looks like an undead from WoW. If they get past Lville it's almost certainly going to be 1-seed Texas, which just rolled Oregon, which is a bellwether (when not in a legendarily badly officiated game). Madison Booker is WBB Yaxel, Rori Harmon is a thief, Breya Cunningham and Kyla Odacre are way bigger than anyone Michigan can put on them. MUSIC: "Sunday Morning"—Alcatraz "Video Life"—Chris Spedding “Across 110th Street”—JJ Johnson and his Orchestra    THE USUAL LINKS: Helpful iTunes subscribe link General podcast feed link What's with the theme music?      

1 hour 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. Men's Basketball vs Howard and Saint Louis Starts at 0:51 This is part one of a part two podcast! Which Robbie Avila nickname was your favorite? Of the last ten times Michigan has made the tournament they've been in the Sweet Sixteen nine. Were Beilein teams built better for the tournament than for the Big Ten? Howard shot 48% from three, the only reason they were able to get to 80 points. What Wisconsin nonsense is this? Michigan shoots 84% from two, one of those misses was from Oscar Goodman. Roddy Gayle was uninspiring in the Big Ten Tournament but returned to his March form. Moving on to Saint Louis, they're a dangerous offensive team but there was no way they were going to be able to check Michigan. Somehow Saint Louis was the #1 field goal efficiency defense in the country, it's a good sign that Michigan shot 1.35 PPP. Avila fell for Mara's fake pass. Since they started counting blocks Michigan is the first team to have all starters score 10+ points and have a block. The Mara we're seeing now is night and day from what we saw at the beginning of the season. Could you convince him to come back another year? What was up with that non-flagrant foul that ended up being a foul on Burnett? Technically it was a cylinder foul. High Point isn't a real school, you should only schedule real schools.  [The rest of the writeup and the player after THE JUMP]  2. Spring Football Bits Starts at 34:37 There are finally enough bits coming out of the spring! Ron Bellamy is back as director of player personnel, which makes all the sense in the world. Apparently Whittingham wanted to come back to Utah but he wouldn't have as much control over decision making so he left. What exactly happened here? We thought he was retiring but clearly he didn't. Manuel Beigel moved to offensive line, this is concerning because there are plenty of offensive lineman and this team needs defensive tackles. In more positive news, Savion Hiter is already running with the ones. His built is like Jabrill Peppers. The defense will "resemble the 2023 defense" in terms of style, according to Jay Hill. It will depend what they can get out of Zeke Berry and Rod Moore. Injured guys are still injured. Receiver depth is Marsh, Ffrench, Moa, and Buchanon. Defensive tackle tea leaves are... uhhh... concerning? You need four decent defensive tackles, they currently have three and there's no guarantee that any of them are good. Maybe that's why Hiter is getting so many yards in practice. The NDSU linebacker captain needs to simmer for a bit, he just got here. If one of the best offensive line coaches in the country is excited then we're excited. If Babalola actually starts he'll be an All-American. Sounds like they're kicking Link inside?  3. Hot Takes and Hockey Tournament Starts at 1:02:51 Takes hotter than Howard for the last 10 minutes of the first half. Michigan gets the #1 overall seed in hockey, their reward is a game against Bentley in Albany. They also won the Big Ten Tournament after a 7-3 win over Ohio State. They get medals but not stoats. Playing a team with tournament lives on the line was really good practice. They were so excited to win a banner. Did you know Gonzaga used to have a hockey team. Bentley is 23rd in NPI which is better than their conference usually does. Doesn't look like a team that will threaten Michigan but anything crazy can happen in this tournament. The matchup is there against Penn State but the vibes are annoying since Michigan has already played them five times (and lost once). Will the building have 12 people in it? Minnesota-Duluth had a really good nonconference run but fell off towards the end of the season. They swept Minnesota which doesn't mean much this year. Congratulations Western Michigan, you are a #1 seed and you probably get to play Denver at altitude if you win your first game. The committee doesn't want schools to have home games but then they either give schools "home" games or play in empty rinks. This game should be at Yost and it would be nuts, Michigan deserves the home advantage that they earned. If Wisconsin gets goaltending they're a top four team, if not they'll lose in the first round.  MUSIC: "Hard Dreaming Man"—Drugdealer "Honey Drip"—Long Island Railroad, Smushie and Ryan Gebhard “Across 110th Street”—JJ Johnson and his Orchestra   

1 hour and 36 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. The Tourney Draw, Midwest Region Preview Starts at 0:51 Overall a fine draw for the 3rd one-seed, with several teams that did not want Michigan as their one-seed. Alabama as a four-seed is a fine draw. They have some big wins because they can shoot their way to a W in any game, but they're also a tempo team that gave up 40%+ ORebs to the three teams they faced with major bigs. The 5-seed is Texas Tech which lost star center JT Toppin but shot their way to a win over ISU without him. We think they're a good upset pick in a 5-12 with Akron but we are impressed with the Just-a-Shooterness of Donovan Atwell. The 8-9 are Georgia and Saint Louis. We want Georgia, another tempo team that's a year away from its maximum and has a center who just makes buckets and blocks shots, versus Saint Louis which is where Robbie Avila went; they're five-out, #1 in the country in average 2PT distance, but opponents also get to the rim (Avila is no defender). On the other side is 2-seed Iowa State, which doesn't block shots but they turn you over and sniper Milan Momcilovic can shoot over guards—a team with three bigs might be their kryptonite (see: 79-70 vs Cincy). Joshua Jefferson is a Danny Wolf (28 assist, 17 TO) PF. 3-seed Virginia has a couple of ogres they rotate at center that might prove tough, and their own Yax-like in Thijs De Ridder, who's not from New Jersey. [The rest of the writeup and the player after THE JUMP]  2. Hot Takes and Men's Basketball vs Purdue Starts at 33:39 Takes hotter than Brian when they refused to call a 5th foul on Oscar Cluff the fifth time. You're not insane; it was a ref show, and a clownish end to DJ Carstensen's career. But that only explains why Purdue won—they played Michigan evenly because Michigan had their worst defensive performance, unable to stop the PnR two-man game between Smith and TKR. M's offense is off the hook for the 1st half since Purdue was just fouling and getting away with it, but what's their excuse for not having any plans for a stretch in the 2nd half when Purdue pulled ahead? Hoping against hope that May has been saving all of his real sets for the Tournament. Brian's giving up on Gayle and his Knoblockian adventures at the rim. 3. Men's Basketball vs Wisconsin and Ohio State Starts at 1:01:40 Wisconsin goes 7/23 from two but 16/38 from three once they've given up on Boyd and Blackwell drives that worked for them in the first meeting. Their twos were earned—pushed back and forced to shoot over Mara. Only the Aussie going nuts from three got this competitive again, but we were still dismayed over Michigan's offense. They had a Mara advantage they only ran in the 2nd half, and didn't really give him help off of that. Tschetter minutes are not working. The OSU game was annoying for all the little reasons, but the big one is something from the whole Tourney, which was Morez Johnson not playing up to his standard. He got the first two series and second was a fallaway jumper. He's a bit limited when backing up people have found. Bruce Thornton was limited by length but his eyes lit up whenever he got Cadeau, who seemed to be tiring late, but Michigan is a TO machine without him. Maybe they're saving Yax usage for the Dance. 4. Hockey vs Penn State and Tournament Lookahead Starts at 1:22:35 They're now locked into the 1st overall seed with Ohio State knocking MSU out of the tournament, and North Dakota losing, which means YAY we don't have to play Denver in a Denver Regional (stupidest playoff format ever). Michigan-NoDak-MSU-WMU will be the 1-seeds, in that order, and Michigan will draw the worst the #16, IE the Atlantic Hockey champion (Bentley most likely?) and the worst #2 seed (Duluth? Cornell? Penn State?) in, likely, Albany. Penn State hockey is James Franklin Penn State football: can beat anybody except the big bads in their conference. Not afraid of facing them again after a thoroughly dominant semifinal. Good to see a snipe from Hage, and what Moldenauer has become. MUSIC: "An Ocean Between the Waves"—War on Drugs "This Could Be Your Lucky Day in Hell"—Eels "A Sentence of Sorts in Kongsvinger"—Of Montreal “Across 110th Street”—JJ Johnson and his Orchestra

In this episode of The Canadian Investor Podcast, we break down the stunning collapse in Goeasy after the company shocked investors with a major financial update ahead of earnings. What was expected to be a gradual deterioration turned into a full-blown blow-up, with sharply higher charge-offs, a suspended dividend and buyback program, withdrawn guidance, potential restatements of past financials, and debt covenant issues that could become existential for the business. We walk through the key details from the release, why the market reacted so violently, and why the company’s comments around LendCare, delinquent loans, and prior reporting practices raise even more questions. We also revisit the red flags we had been discussing for months, including ballooning interest receivables, aggressive loan book growth, and the growing disconnect between goeasy’s reported performance and the broader credit environment. To finish on a more positive note, we also discuss strong results from Franco-Nevada and what higher gold prices could mean for the royalty giant going forward. Tickers discussed: GSY.TO, FNV.TO Watch the full video on Our New Youtube Channel! Check out our portfolio by going to Jointci.com Our Website Canadian Investor Podcast Network Twitter: @cdn_investing Simon’s twitter: @Fiat_Iceberg Braden’s twitter: @BradoCapital Dan’s Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor Spotify - The Canadian Real Estate Investor Web player - The Canadian Real Estate Investor Asset Allocation ETFs | BMO Global Asset Management Sign up for Fiscal.ai for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

Wanna work with us? Schedule a call here: https://go.oncehub.com/bookacall Who are you as a lender (gameplan revealed) - #333 Not every private lender runs their business the same way—and that's exactly the point. When you control the capital, you control the strategy. In this episode, the hosts break down the different types of private and hard money lenders operating in today's market and how each model approaches risk, leverage, borrower relationships, and deal flow. From ultra-conservative lenders focused on low LTV collateral to relationship-driven lenders offering high leverage to trusted borrowers, there's no single "right" way to structure a lending business. You'll hear real-world examples of lending models used across the country—including nationwide lenders, commercial-only funds, long-term rental lenders, land lenders, and niche operators who have built highly profitable strategies by focusing on a specific borrower or deal type. If you're building or scaling a private lending business, this episode will help you identify your lending strategy, target borrower avatar, and core competency so you can stay focused and grow profitably. Topics covered include: Different types of private and hard money lending models Low LTV vs. high leverage lending strategies Relationship-based lending vs. collateral-first lending Why many new lenders try to do every deal (and why that changes over time) How successful lenders define their target borrower avatar Why focus and specialization can lead to a more profitable lending business Whether you lend your own capital or manage investor funds, understanding what kind of lender you want to be is one of the most important strategic decisions you'll make. If you're interested in learning more about private lending, capital raising, and loan structuring, explore upcoming events and resources at Hard Money Mastermind. ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com   FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind  

Welcome to our monthly feature Learn With A Lender with Austin Clarence. In this episode, Austin discusses what the recent drop in 30‑year fixed rates below 6% really means for buyers. Austin describes how to use the new FHA loan limit as a pricing strategy, and why non-QM and DSCR loans are game-changers for self‑employed buyers and investors. Last, Austin also shares his concept of “ghost buyers”, people who could qualify but don't realize it, and gives agents practical ways to turn this hidden group into closed deals. Subscribe to Austin's newsletter by sending an email to aclarence@nexalending.com. If you'd prefer to watch this interview, click here to view on YouTube! Austin Clarence can be reached at +1 650-906-2376 and aclarence@nexalending.com This episode is brought to you by Real Geeks and Courted.io.

1 hour and 44 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. Men's Basketball vs Michigan State Starts at 0:51 Michigan is the best team in the Big Ten since the 1977 Indiana team. You can't say they didn't earn it, they had to win at Breslin, Carver, and Illinois. They would still win the Big Ten outright if you only counted the games that Michigan won by double digits. It was Yaxel's deep shooting that propelled Michigan when they weren't shooting well. Michigan felt mortal with Tschetter at the four but MSU didn't exactly take advantage of that time. There were a lot of 1-on-1 opportunities, Michigan only had 12 assists. 1.27 PPP is crazy against Michigan State. Where does Yaxel Lendeborg rank all time amongst all Michigan players? They had a reel prepared for when Fears would kick someone in the jingle jangles, and it did happen. Credit Dusty for keeping the team calm when things start to go wrong. How is Fears allowed to keep playing the way he does? Congrats to Nebraska for getting the #2 seed.  2. Men's Basketball vs Iowa Starts at 32:06 A very slow game and a very annoying win. Their thing is fouling you constantly and hoping the refs don't call it. They fired Fran and we hate Iowa basketball now. Michigan finally gets some calls in the second half and turns the ball over a lot. Bennett Stirtz's 4-14 from three feels optimistic for him given the shot quality. There was a "sink or swim" moment when Cadeau had to sit out and it wasn't great. Cadeau played 30 minutes but in an important tournament setting he'll probably play more than that. Roddy Gayle has some at-the-rim difficulties that have lasted most of the conference season. Fran McCaffery was a beautiful Big Ten coach and now he's in the Ivy League. 3. Hot Takes and Spring Ball - Offense Starts at 54:05 How excited is everyone for this spring practice? What will Bryce's role as a runner be? JJ didn't run much but in the championship season there were only 4-5 games where he would have needed to. Maybe Bryce looks a little better throwing downfield now that he has actual receivers. JJ Buchanan might have a Colston Loveland level catch radius. There was a moment of silence for Max Bredeson but we truncate silence on this podcast so you didn't hear it. What's the tight end depth going to look like? Evan Link to guard? We're expecting a big third year swing for Blake Frazier.  4. Spring Ball - Defense Starts at 1:22:09 Any sort of news about John Henry Daley being able to play would be high on the list. And Rod Moore. Also hoping to hear good things about Palepale and Cam Brandt. The North Dakota State linebacker (Nathaniel Staehling) transfer could be really good, he was a captain and these scenarios often work out nicely. Ideally he's the 3rd linebacker because that means some other guys popped off. How much much better will everyone look with better coaching? Unfortunately we won't be able to see if rotation on defense gets better in the Spring Game. Could Shamari Earls overtake Jyaire Hill? New kickers but kicking in April seems different than in the Fall. Looking forward to punting drills. Taylor Tatum for punt return?    MUSIC: "Any Major Dude"—Steely Dan "Believe"—My Morning Jacket "Broken Chair"—Luna “Across 110th Street”—JJ Johnson and his Orchestra   

1 hour and 35 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. Men's Basketball vs Illinois Starts at 0:51 Hail to the Big Ten champions... before March! Dusty in year two has won at Mackey, Breslin, and whatever Illinois' arena is nicknamed. This was supposed to be a scary game and it wasn't even close, the players loved the energy. The major bummer is that LJ Cason is out for the year with an ACL injury. Can Yaxel check a top five draft point guard? Yes. No turnovers for Cadeau! But he probably has to go from 26 minutes per game to 35 and needs to be much more careful about foul trouble now. It just felt like Illinois had to work so hard to get anything in the second half and they weren't used to that. Illinois played their much better defender for only 10 minutes. Shot volume was similar for both teams but Michigan was able to win from 2-point shots. 2. Men's Basketball vs Minnesota Starts at 25:20 Minnesota comes in with basically no basketball team, they're down on their luck. But they played zone better than a lot of teams on Michigan's schedule. In the first half Michigan had trouble getting to the rim so they kicked it out for open threes. Parts of it felt bad. This game felt like playing Maryland the week before Ohio State. Niko Medved did a great job with what he had, Brian is still high on him. Early in the season Iowa seemed like it would be a really tough game, now Iowa is tailspinning a little bit. Iowa's defense is improved from Fran but not in a way that will stop Michigan. Michigan is still probably a #1 seed if they lose out. They should raise the banner in Michigan State's face at pre-game.  3. Hot Takes and Hockey vs Minnesota Starts at 43:34 Takes hotter than Morez Johnson sitting in front of that crowd and being like "I don't care, I'm gonna be the Kenpom MVP in a 20 point win spiritually because I'm Morez Johnson and nothing phases me at all!" Michigan splits against Minnesota, which almost didn't matter until Michigan State only got two points against Ohio State. This team is a little too Jekyll & Hyde. Starting the Thursday game 1-9 in shots isn't great. Powerplays used to be more whizz-bang and they've been lacking lately. Michigan's defense is like Nebraska running the triple option - they always need to have a 5'2" puck wizard defenseman. MSU's coach tried to chase down an official on the ice which is a silly thing to attempt. Michigan is up two points in the standings but Michigan State has two more games. Time for another year of complaining about the NCAA hockey tournament format. 4. Stickball and Gimmicky Top Five Starts at 1:15:10 Baseball - good Softball - not good Gimmicky Top Five Things You'd Change in the Winter Olympics. Normal guy Olympics. Mountaineering should include getting a kid into ski gear. We don't talk about ski injuries. Winter beach volleyball?    MUSIC: "Don't Fight It"—Kenny Loggins and Steve Perry "Better Way"—Motenko "Take My Heart"—The Teskey Brothers “Across 110th Street”—JJ Johnson and his Orchestra   

Mortgage rates have officially dropped below 6% for the first time in more than three years. The average 30-year fixed rate is now 5.98%, according to Freddie Mac — a key psychological and financial shift for the housing market. In this episode, Kathy breaks down what lower rates mean for buying power, inventory levels, and home prices. Zillow reports that the median-income household has gained more than $30,000 in purchasing power compared to last year, putting over 80,000 additional homes within reach. But with prices still up roughly 50% since 2020 and rising for the 31st straight month, affordability remains a challenge. Will sub-6% rates bring buyers back into the market? Could it loosen the lock-in effect and increase listings? And what does this mean for real estate investors in 2026? We'll explain what's changing — and what isn't.

1 hour and 43 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. Men's Basketball vs Purdue Starts at 0:51 The Duke game was annoying and non-impactful so let's start with Purdue. Purdue comes out to a 5-0 start, Michigan then goes on a 42-17 run. Mackey exploded no matter what, even when Michigan was up 16. Matt Painter is a dude who respects ball. Mara foreshadowed the Duke game by getting into foul trouble, but that wasn't until the 2nd half, otherwise he had a great 1st half. The other subplot of this game was they shot 57% from three, and almost all of them were good shots. Trey Kauffmann-Renn went off for Purdue, historically May has let him go defensively though. Michigan is doing a great job of making the non-contestable guys contestable. What was funnier, the Fletcher Loyer heat-check airball or Cadeau getting to the free throw line and not knowing what to do?  2. Men's Basketball vs Duke Starts at 22:55 A very frustrating game. Mara picks up three first half fouls, the first two of which were not fouls. Playing three bigs in the second half felt like an impulse. Will Tschetter has been a faithful companion for this program but this wasn't the game for him. Duke went on their end of first half run when Michigan had their small lineup out there. Dusty is usually very calm but he was on the verge of eruption. The official in this game notoriously call more calls than anyone else and didn't give us a proper Michigan Duke game. You can just give the coach an iPad to decide if you want to challenge calls?? Does Mara need a little more self-confidence? His body language is telling. Michigan didn't get a lot out of guard play. Their quality of looks in this game were nowhere near their looks in the Purdue game. They got out of balance with their lineup changes and shot 24% from three but still only lost by five to Duke so this really isn't that concerning. What was that travel call? LJ Cason is definitely a contested shot guy. Michigan's biggest win over the weekend was UCLA over Illinois. The Minnesota game is for a share of the title, two Big Ten wins means an outright title. Brian still can't believe how good Keaton Wagler is.  3. Hot Takes and Hockey vs Wisconsin Starts at 55:40 Takes hotter than yours truly after Mara's second foul against Duke. Michigan gets a split out of Wisconsin which ends any hope of catching Michigan State in the Big Ten standings. Wisconsin played their backup goalie and Michigan didn't do enough to threaten him. Kason Muscutt got his first goal. BTN+ has announcers that don't even know Michigan's roster. Michigan could get to 51 points after next week which would win the Big Ten in most years. They have a 99.6% chance of being a #1 seed, they would need to win the Big Ten Tournament to get the #1 overall. #2 overall could get Saint Thomas?  4. Potpourri Starts at 1:24:57 Hughe's got it better than us? Michigan shouldn't claim Jack Hughes. Great performances from Michigan hockey players in the Olympics and the gold medal game. Michigan doesn't have these guys on this team (Michigan State doesn't either, though). Canada was sad and then got handed a stuffed stoat. If you haven't seen the figure skating exhibition gala, you should. Michigan has a new general manager. Sean Magee sent Savion Hiter the wrong dollar amount for his NIL?? The new GM is Dave Peloquin who used to work at Notre Dame. Michigan baseball got another ranked win over Louisville. The vibes for Michigan softball aren't good right now. They're like Nebraska football.  MUSIC: "UFOs"—Phoenix and Alan Braxe "Evil Twin"—Cut Worms "Dug"—Dream Sitch, Michael Nau, Floating Action “Across 110th Street”—JJ Johnson and his Orchestra   

2 hours and 6 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. Men's Basketball vs UCLA Starts at 0:51 Brian gets three minutes to talk about Mick Cronin, he hopes he never gets fired from UCLA. He's like a jolly caricature of Izzo. He's Sideshow Bob stepping on the rakes. Michigan would be up by 10 in the first half and it would feel like they should be up 20. Tschetter's really improved as a defender but this game wasn't for him. UCLA was turning the ball over a ton, Michigan didn't have any until the end of the first half. This was a responsible game from Cadeau, some of his turnovers have been boneheaded. He's at around the same turnover rate as last year. LJ Cason is becoming a reliably effective playmaker. Mick Cronin might not have forgotten how to coach defense but he might've forgotten to scout Xavier Booker. If they play a bad game that means only winning by 10.  2. Men's Basketball vs Northwestern Starts at 28:10 Similar situation in this game where Michigan played a dominant second half. The difference is they were down 16 points. Kenpom still had them at about 30% chance to win even down 16 in the second half! Michigan missed so many bunnies in this one. They started running NBA sets in their second half rally and that works because they have the size for it. The big story of this game was LJ Cason. Cadeau wasn't doing anything so Dusty put in Cason who stepped up. Who's the most random guy you've ever been thankful for in a game? Probably Kam Chatman. Michigan is rotating nine guys and the ninth guy was the MVP in this game. The six game stretch to finish the regular season features Michigan State as the second easiest game. Alex isn't scared of Purdue. Duke looms.  3. Hot Takes and Hockey vs Penn State Starts at 55:44 Takes hotter than the genius that came up with the two-man luge. Special guest, Seth daughter's Mira. Michigan takes 5 out of 6 points against Penn State, this was their first overtime that they didn't win this year. Michigan made it hard on themselves in the Friday game, Ivankovic sort of deflected a goal into their own net. These officials were fine because they degraded the game of hockey but they weren't as bad as some other guys! Penn State split their goalies but the better goalie gave Michigan a couple easy ones. Michigan has first round picks but the only one that has the sauce is Jayden Perron. You look at men's basketball and you think they could win a national championship. You look at hockey and you don't see it. Wisconsin has faded enough to not make the tournament but their forecheck also seemed like Michigan's kryptonite. If you want to win the conference you need six points against Wisconsin. You might need to win out. Michigan is still 96% to be a 1 seed.  4. Potpourri Starts at 1:38:22 Michigan replaces defensive tackle coach Lou Esposito with Larry Black out of Vanderbilt. He checks the recruiting boxes. He helped get Vanderbilt to respectable on defense which even Jesse Minter couldn't do. His resume is really good and still isn't as good a resume as the rest of the staff (complimentary). Women's basketball fell behind big to UCLA and got it to within one score. They're so close to the elite teams. Stickball! As of this recording baseball is 2-0 against good programs. USC and UCLA baseball hate being in the Big Ten. Softball is 7-2 overall, Alex was down after the Florida game. If you have six pitchers on the roster you have no pitchers. Brian has only watched curling. Olympic skiing discourse. Sweden pulled their goalie while up 5-2 to get the goal differential (did not get it).  MUSIC: "Idol"—Mind Enterprises "YUHDONTSTOP"—De La Soul "Brand New City"—Snocaps “Across 110th Street”—JJ Johnson and his Orchestra   

2 hours and 23 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. Men's Basketball vs Penn State and Ohio State Starts at 0:51 Usually there's a segment for each basketball but that would just be silly. Michigan annihilates a short-handed Penn State team featuring two thunderous Mark Davis Kiwi dunks and a season high from Nimari Burnett. Is there anything else to say about this game? Michigan only had eight turnovers against Ohio State. Oddly they missed a lot of bunnies. Michigan is rounding into the elite offensive and defensive rebounding team we were hoping they would be. Nice to see Yaxel get to the rim, he doesn't do it enough. Another nice game from Trey McKenney. The balance of this team is insane. We're looking forward to what Mick Cronin says after Aday Mara stuffs him in a locker. A few more easy games before a brutal close to the season. Michigan State did Michigan a solid by beating Illinois.  [The rest of the writeup and the player after THE JUMP]  2. Hockey vs Michigan State Starts at 25:16 Game one was one of the best college hockey games we've ever seen. Old Yost was dark and full of discontented engineers who just learned to swear. It was absolute hell for opponents and it's just not that anymore in most games. Friday night felt like Old Yost. Michigan played great when they had their backs against the wall but you can't just rally from down 4-0. Michigan could be the second best team in the country and still just not be as good as State. Michigan's 4th string goalie looks just like Ivankovic and confused Dave in the press box. Why was Ivankovic suddenly ready on Saturday? Yost got HOT in the third period on Friday because of the missed calls. Michigan can still absolutely win a regular season title. Biggest concern in the NCAA tournament is also Michigan State, but the college hockey playoffs are weird. Has the modern era of college football reached hockey?  3. Hot Takes and Offensive Recruiting Class With Steve Lorenz Starts at 53:24 Takes hotter than Brian's face watching Seth come up with something that's hot. Usually we would do this on signing day but now nobody can remember when that is. Salesi Moa signed and enrolled at Utah and still ended up at Michigan. Brady Smigiel is one of your QBs but he's coming in injured, which probably effected his recruiting stock. He's a classic pocket guy, but Whittingham likes mobile QBs. QB Tommy Carr has Tate Forcier comparisons. Savion Hiter comes in as the most talented running back in this class, as well as the last few classes. What do you think Fred Jackson would call him? Jonathan Brown comes in as a generic three star RB but there's not much being said compared to Hiter. We'll count Salesi Moa in this class, he could play receiver and safety. He might actually be able to contribute in year one. WR Travis Johnson is just outside the top 100 but was very adamant about sticking to Michigan even after everything went down. WR Jaylen Pile also didn't waver but so far seems like just a guy, but with more scholarships available sure, bring him in. TE Mason Bonner comes in from Denver, might take a little time to develop. Should be athletic enough down the road. OT Malakai Lee comes in from Honolulu and might be the most excited about the coaching change. Comparisons to Mike Onwenu. Marky Walbridge is a late riser and offensive lineman late risers are often encouraging. Adrian Hamilton projects to center and centers don't rank highly usually. Tommy Fraumann is big enough to not care about rankings, born right after the 2008 Michigan Utah in which Kyle Whittingham beat Michigan.  4. Defensive Recruiting Class Starts at 1:45:41 Carter Meadows is a five star defensive end we're all excited about. He's not allowed to enroll early so he'll probably be a year two star. DE McHale Blade is one of the coolest names in this cycle. He has all the athletic traits, could be the sleeper of the defensive side. DE Tariq Boney is your Josh Uche, just let him go after the QB. Alister Vallejo looks like Mason Graham on the field and the kid from the Sandlot in his profile. DT Titan Davis is a Kris Jenkins guy, could be an anchor DE but will more likely fill in DT needs. Linebacker is where the excitement falls off. Nobody is anywhere near four star status. CB Jamarion Vincent is a developmental guy, expect him in year three. He was previously playing QB. CB Ernest Nunley is a former Cal commit and will probably be a safety. S Jordan Deck could me a sleeper, boring safety. Overall not a big fan of the back seven but it is the transfer portal era. It could be okay but it's sketchy.   MUSIC: "Bazooka"—Miami XO "Baby Steps"—Olivia Dean "Phish Pepsi"—Wednesday “Across 110th Street”—JJ Johnson and his Orchestra