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2 hours and 26 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, Radecki Oral Surgery, Long Road Distillers, Applied Fitness Solutions, The History of Michigan Football, an online course by Greg Dooley, and Venue by 4M where recorded this. 1. Offense vs UTEP Starts at 0:54 Well eventually that's what it should've looked like. UTEP had a lot of their yards on one drive but negative yards in the second half. If the events of this game had happened in a different order, it would've felt better (Michigan's win % on ESPN only got down to 92.7%). Beck made some nice technical decisions, the offense adjusted a lot to what the defense was giving them. From experience, Brian thinks Sprague has Norovirus. This would've been a nice game to give Babalola a chance. Michigan simplified things to reduce the frippery in the run game. UTEP tried to be Oklahoma on defense and it worked for about a drive and a half. Michigan saw a stacked box and started throwing it. Travis Johnson saw his first real play time and looked nice. Even when Bryce's throws aren't perfect his receivers are night and day from last year so let them go and make a play. Is some of the blocking a result of Playbook-Itus? Andrew Marsh wouldn't have been practicing sweeps much last year. Is stretch also an under-practiced play? The Marshall-cat worked all three times. How much of Hiter's fumble was his fault? It was helmet to ball but his posture was high. Bryson Kuzdzal came in after the fumble because Jordan Marshall was dinged up and on a pitch count. There was an Owens cat! Beigel does move people but doesn't combo. They were eventually so good at stretch last year and it feels a little bit like they threw away its development. Their best lineman isn't utilized in power. It seemed pretty clear that they were intentionally trying to give Andrew Marsh the ball, he's not been targeted much in the first two games. Catch and run slants could be a dangerous tool and help out the rest of the run game. We're seeing the extent of the wide receiver depth chart and getting more guys involved. Poor Ffrench. Tommy Carr probably would've started on either Sherrone Moore team.  [The rest of the writeup and the player after THE JUMP]  2. Defense vs UTEP Starts at 56:43 Defensively that was what you would've wanted to see. There were a couple big plays and other than that UTEP didn't do anything. Michigan's defensive line got held up a bit in the first two drives and then after that the defensive line had free paths to the quarterback. They run into Tariq Boney twice and he blows up the play. Is he more like Josiah Stewart than Josh Uche? Cam Brandt is a defensive tackle now?? Suddenly the defensive ends are like seven deep? Lea'ea touchdown because he back-tracked on a screen! We will still be complaining about Wink Martindale 20 years from now. The Mouton comp of Troy Bowles is prevalent. The linebackers had a slow day since the defensive line was having their way. Zeke Berry was injured so Shamari Earls started, he's almost there. You can see why Snowden was a star. Was the second UTEP touchdown supposed to be Bracy's guy to cover? Give Tommy Carr a number that looks like Cam Brown's so you can do a fake punt. 3. Hot Takes, Special Teams, and Game Theory Starts at 1:20:15 Takes hotter than Michigan's offense in the second half for the first time all year. 49 yard field goal feels good, we thought Butkowski would max out at 45 yards. That was a silly opening kickoff where Kuzdzal had to field it. Andrew Marsh fielded a punt over his shoulder with a gunner that could've gone poorly. UTEP, you can kick a field goal or onside it but don't do both! Michigan had nice time management in the first half. Only four penalties! Most of these holds wouldn't be called if Aidan Hutchinson was on the field. It's fun that the kickoff team pumps up the crowd now. What was up with the roughing the passer penalty? UTEP went through all of their timeouts faster than we've ever seen. Let's talk about Ole Miss going for two against LSU since it's interesting.    4. Around the Big Ten with Jamie Mac Starts at 1:54:59 Lightning Round: Minnesota 41, Akron 7 Penn State 55, Buffalo 13 Wisconsin 54, EMU 10 Ohio State 59, Kent State 3 Illinois 48, Southern Illinois 10 Iowa 55, Northern Iowa 0 Washington 48, Eastern Washington 16 Indiana 38, Western Kentucky 0 Nebraska 34, North Dakota 7 Oregon 84, Portland State 0 USC 43, Rutgers 35 This was... not a fluke?? Rutgers was moving the ball all game. USC won this because of a pick six at the goal line. This might be the most stunning indictment of Lincoln Riley's ability to build a defense. We're comparing USC to Boston College and UMass?? This seems to say a lot more about USC than it does about Rutgers.  Northwestern 41, Colorado 7 This was not listed in the lightning round because the yardage here was much closer than the score. Colorado was -3 in turnover margin. If Aidan Chiles can throw the ball then that changes things. This was Northwestern's last game at the beach stadium! Michigan State 10, Notre Dame 27 Closer to what we expected from Michigan State this year. MSU had 167 total yards and 53 of them came off of one pass play. They're running the right plays, they just don't have the athletes to run them.  UCLA 52, Purdue 38 Nico Iamaleava is a gazelle of a human. Purdue's defense looks abominable. Semaj Morgan had four catches for 72 yards and two touchdowns. This game had 1133 total yards of offense. UCLA's defense looks as shaky as USC's.  Maryland 26, Virginia Tech 35 Maryland has 2.8 YPC with their running backs. They can't get away from James Franklin. Sorry Maryland, this is just who you are.   MUSIC: "El Paso"—Howdy "Backyard Lover"—Merce Lemon "Indu"—Greg Freeman “Across 110th Street”—JJ Johnson and his Orchestra   

Wanna work with us? Schedule a call here: https://go.oncehub.com/bookacall What changes when a private lending business hits the 3-year mark and $10M portfolio milestone? Jason and Chris break down the growth pattern they've seen repeatedly—from informal deal flow and spreadsheets to systems, marketing, staffing, loan servicing, and eventually… defaults. This episode covers the key lessons lenders need to know before scaling too fast, including: Building your own underwriting model Knowing when to add people and technology Balancing deal flow with capital Why marketing becomes critical around the $10M mark What defaults actually look like Why you may not know if a loan was "good" for years How to build a lending business designed to scale If you're building a private lending business—or approaching that 3-year/$10M milestone—this is the playbook to have in your back pocket.  ✅ 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  

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, SignalWire where we are recording this, and introducing Applied Fitness Solutions, and The History of Michigan Football, an online course by Greg Dooley. Featured Musician: Natives of the New Dawn THE VIDEO: [After THE JUMP: The show notes, eventually.]  --------------------- 1. UTEP Preview starts at the top Offensively they're a Rich Rod spread 'n shred with a running QB and not-good guards. Did some nifty things to Oklahoma but once they run out of ideas they're not much of a threat. Defensively they're a 3-3-5 Tite or 3-3-5 that is probably going to play like TCU did to mitigate a very small DL. Problem is they can get crumpled. Also their secondary can get ripped. Start with PA, practice your stretch, maybe figure out some counters to the ways they will take away the QB run game. 2. Oklahoma After Review: Defense starts around 19:41 The Oklahoma offensive line was butt, maybe. This allowed Jay Hill to play 3-3-5 and trust JHD/Nichols/Pierce/Etta/Lea'ea to dominate. Review of the young DEs is positive, with caveats. Linebackers are doing too much, Staehling is coming out positive but he's limited. Bowles is Moutoning it out there. Is this a 3-3-5 thing? Chase Taylor still a puppy, Beers was too much for him. Hopefully that's a Beers is Good thing (he got Bracy as well). Secondary is as advertised except Rod Moore. Advertised is VERY VERY good. Last talk about the switching issue. 3. Oklahoma After Review: Offense starts around 40:13 Fixable issues. They made things easy on Bryce and ran him, which was playing to win, but he's still someone they have to shepherd along and Venables is excellent at doing the aggressive things to shut that off. Lots of "I don't know how that was supposed to work" plays, and people not climbing. Next step week. Running back: DO SOMETHING! 4. The History of College Football with Greg Dooley starts around 1:05:47 Dooley's course has long been a favorite among students; now you can come too. Got all the Michigan history nerds to come in and do our parts. We discuss some of the parts I came in to speak about, and what Part II might entail. Featured Artist: Natives of the New Dawn I used to work the merch table for my best friends' band (Oblivion) and would often trade their CDs with the other bands for their albums. After a few years of this I had quite an extensive collection of the Ann Arbor/Detroit music scene of the 2000s. A die-hard Tally Hall fan sent me rummaging through the collection, and while I still can't find the damn CD she wanted that I took a photo of when I put them all on iTunes, I've have begun transferring the collection to .flacs, and figured I can get a season out of sharing my finds as they come up. There was little question which band I'd feature first, since their literal tagline is "Your favorite band's favorite band."* Natives were kind of a Super Band. We played with Vince Mann's prior group really early—I want to say Move-In Day on Palmer Field in 2001—and then caught his new funk/hip-hop/rock fusion group Natives of the New Dawn a few times after he formed it by picking up a couple of session musicians, a local DJ, and other well-regarded musicians from the area. I remember them being the best dudes, and I remember they were blowing up quickly in 2006-'07, which was after one of them finally stopped wearing a Spider Man suit to shows. This was a weird era after Napster but before legalized streaming, when Payola ruled the airwaves and major labels only wanted Nu Metal bros who were too dumb to read their contracts. The result were these super-groups that formed out the glut of local talented musicians all trapped together at various 200- to 300-person venues like St. Andrew's, the Magic Stick and the I-Rock in Detroit, the Blind Pig in Ann Arbor, Clutch Cargo's in Pontiac, Ypsi's Tap Room, and of course The Sanctuary in Hamtramck, which was where the bands all would go to play for each other. The songs here are all from Bliss, which the internet says is from 2007, which sounds late to me. * [Actually it's At the Drive-In]. Songs: Your Boy Good Day People    Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

"The United States dollar runs on trust and faith."   This episode breaks down why the Trump administration stepped in to help bail out the Japanese yen in July 2026, and why a currency crisis on the other side of the world can move US mortgage rates, stock prices, and the dollar. He explains that Japan is the largest foreign owner of US debt, and why protecting that lending relationship became a priority for the US government.   Jaspreet Singh walks through how decades of negative interest rates and an exploding debt to GDP ratio set up Japan's currency problems, how the yen carry trade funneled cheap borrowed money into US stocks and Treasuries, and how the fallout is now showing up in Treasury yields, mortgage rates, and the value of the dollar.   In this episode, you'll learn: Why President Trump helped bail out the Japanese yen in July 2026, and Japan's role as the largest foreign owner of US debt How Japan's debt to GDP ratio grew from about 93% in 1995 to roughly 235% today, compared to the US moving from about 65% to 125% What negative interest rates are and why Japan used them for decades to try to stimulate its economy How the yen carry trade let Wall Street borrow yen at close to 0% interest and funnel it into US stocks, real estate, and Treasuries Why a weakening yen threatens the yen carry trade and removes one source of demand for US assets Why the US dollar's value depends on trust and demand rather than a physical backing like gold How fewer foreign lenders such as Japan and China pushed Treasury yields higher, raising mortgage, auto loan, and credit card rates Why higher borrowing costs slow consumer and business spending and can hurt GDP and the job market   Keywords: yen bailout, Japanese yen, US dollar, national debt, debt to GDP, yen carry trade, Treasury yields, mortgage rates, Bank of Japan, investing   ✅ Register for my investing Workshop & get Market Briefs as a bonus: Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or podcast). ---------- ➤ Invest In Stocks Passively 1) M1 Finance - Buy stocks & ETFs automatically: https://theminoritymindset.com/m1 ---------- ➤ Life Insurance 2) Policygenius - Get a free life insurance quote: https://theminoritymindset.com/policygenius ---------- ➤ Real Estate Investing Online 3) Fundrise - Invest in real estate with as little as $10! https://theminoritymindset.com/fundrise ----------

Genstar Capital and Aksia have made a strategic growth investment in Denver-based Richey May, providing capital to accelerate the accounting and advisory firm's organic growth and M&A strategy while its management team and existing investor F3 Partners retain significant ownership. Robbie interviews Lender Price's Maddi Sievers on tips for success for both companies giving and receiving tech demos. And rising oil prices and renewed inflation concerns pushed Treasury yields and mortgage rates higher, weighing on MBS demand and housing activity as investors await a closely watched Fed decision, with markets pricing in a 90%+ chance of a quarter-point hike.This week's podcasts are sponsored by FirstClose. FirstClose helps lenders accelerate home equity originations with faster property decisioning, streamlined workflows, and a digital borrower experience from application to closing. FirstClose is the only end-to-end digital HELOC and HEL solution built specifically for home equity lending. Learn more at: https://hubs.ly/Q04tLGXh0Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

2 hours 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, The Aretha Franklin Amphitheatre, Radecki Oral Surgery, Long Road Distillers, and Venue by 4M where recorded this. 1. Offense vs Oklahoma Starts at 0:54 That... went better than we expected. Seth was right about Oregon's offensive line. Michigan won this game by listening to the MGoPodcast! Or at least they looked at the film and did the obvious thing to do. Offensively it looks like they tightened it up and simplified things, they looked at things Bryce was good at a year ago and emphasized his legs. It looks like Bryce went through some progressions and then decided to scramble a couple times. There were some plays that could've gone better but it wasn't on Bryce's decision making, Oklahoma was just covering the field well. Savion Hiter screwed up a zone read twice, freshman mistake (that had us and Bryce rattled). If you want to win a game against Oklahoma you need to run Underwood 18 times a game and that's what they did - Whittingham wished he ran more. Bryce seems more comfortable rolling out - that lob to Hiter on the sidelines was right out of his high school film. Fumbles need to be cleaned up, QBs aren't active in practice so they're probably not practicing ball security as much. Don't pitch the ball over a defender's head. They won by game-managing and being content with 17 points. Jason Beck had a fantastic gameplan with what he had against a hyper-aggressive defense. The Marshall-Cat seems redundant when you have Bryce's legs. Savion Hiter has it and is making pre-season All-SEC players look silly. They're finding ways to get Marsh the ball. JJ Buchanan is... really good. They really only used the starting wide receivers, Goodwin, Travis Johnson, and Ffrench did not contribute. Pass protection was generally very good, they were also going against one of the best run defenses in America. Michigan doesn't quite have the mental processing speed yet but all things considered they did pretty well. We go about 47 minutes before complaining about the rhino, which means it went a lot better.  2. Defense vs Oklahoma Starts at 54:15 Can't ask for much more than only giving up 10 points. That said, it was apparent that Oklahoma's o-line was very banged up, they had two guys rushing back from knee sprains. Michigan ran a 3-3-5 because they only needed to run their two good defensive tackles, this probably won't translate well against better offensive lines. Dom Nichols has earned his star. Jay Hill's gameplan was a weird hybrid of Don Brown and Jesse Minter - we're a man-to-man team but we're also confusing the quarterback? Bracy punching the ball out was reminiscent of his play at Memphis. Nate Marshall is Josh Uche. He was a great pass rusher but got baited on some run plays. Cam Brandt only had six snaps, they're giving the snaps to guys who make plays (this didn't happen last year). Palepale didn't play but Lea'ea did. Overall the coverages were excellent and even zone (which they don't usually do) was good enough. NOB made a play. There were a lot of hugs with Cole Sullivan after the game, would've been nice to have him at Michigan on this defense. Snowden was excellent, you've got three NFL-ready defensive backs on the field (not including Earls yet). Jyaire Hill - stupid penalty, don't do it again. Pretty interception. Defensive tackles were nice, Pierce was the best to stand up to double teams. Defensive lines will be graded on a curve.  3. Hot Takes, Special Teams, and Game Theory Starts at 1:30:34 Takes hotter than Brian predicting the Oklahoma gameplan. We saw a field goal! What was the biggest punting EPA above expected? Punting might become a dangerous weapon on this team. Should the caught punt have been a touch back? It's when you have possession but that feels wrong. They go for it on 4th and 1, Bryce is a big guy for sneaks. Are the penalties partially because there's a new coaching staff with new schemes they're thinking through and also some "Sherrone"-ness leftover? Don't rush the punter on 4th and 5 or less. Remember, if you touch the ball you can assault the punter. Should that helmet coming off been a penalty? Certain penalties should go away over the course of the year, it's a very young offense learning new things. This crew was an SEC crew that was a bit more ticky-tacky about holds. The Oklahoma fans were great and everyone we've talked to said they had a great time. Home and home games like this are so fun and are what college football is all about. Everyone is going to remember this game, Michigan beat Oklahoma. Oklahoma fans will probably always remember the game last year.    4. Around the Big Ten with Jamie Mac Starts at 2:04:31 Lightning Round: Indiana 55, Howard 0 Wisconsin 36, Western Illinois 9 Nebraska 56, BGSU 7 Michigan State 35, Eastern Michigan 7 Maryland 38, UConn 14 UCLA 28, SDSU 10 Minnesota 13, Mississippi State 38 Rutgers 21, Boston College 28 Purdue 35, Wake Forest 38 Oregon 31, Oklahoma State 39 The score was close but Oklahoma State dominated. Seth was right about Oregon's offensive line being a problem. Oklahoma State snaps a 21 game FBS losing streak (they still have an 18 game Big 12 losing streak). Oklahoma State outgained Oregon 554 to 281.  Ohio State 23, Texas 24 Texas goes into the 4th quarter down 23-3 and rallies back. There's a hilariously missed 45 yard field goal. The Ohio State offense was Jeremiah Smith and that was about it. 16 of Julian Sayin's 32 passes went to Jeremiah Smith. This is Ohio State's third straight loss to a P4 team, in which they've scored 10, 10, and 23 points.  Iowa 16, Iowa State 13 The most El Assico score possible. Iowa had a coherent looking offense at times, that's scary! Iowa has a wide receiver, Tony Diaz, who already has 15 catches on the year. The Hawkeyes did only rush for 3.2 yards per carry. Illinois 27, Duke 31 This was close all game and was the opposite of El Assico until the 4th quarter. Katin Houser looks better at Illinois than he ever did at Michigan State, Collin Dixon is a dangerous wide receiver (11 catches for 166 yards, 3 TDs). Washington 16, Utah State 14 This is alarm bells going off for Washington. The second week in a row that Washington QB Demon Williams is the lead rusher, their one-two punch is gone. No Denzel Boston? They just can't seem to score in the redzone. Washington was +3 in field goal margin and only won by two.  Penn State 27, Temple 9 Penn State controlled this game but it was very un-inspiring. Temple had a 91 yard drive that ended in a field goal, Penn State was giving up 50 yard drives.  USC 49, Louisiana 30 USC still looks like USC under Lincoln Riley. Louisiana's QB is named Lunch Winfield.    MUSIC: "Rein Me In"—Sam Fender and Olivian Dean "The Rising"—Bruce Springsteen "4EVER"—Clairo “Across 110th Street”—JJ Johnson and his Orchestra   

Send us Fan MailLet's revolt! Mark Edward Lender joins me to talk War Without Mercy: Liberty or Death in the American Revolution.Buy War Without MercySupport the show

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, SignalWire where we are recording this, and introducing Applied Fitness Solutions, and The History of Michigan Football, an online course by Greg Dooley. Featured Musician: Jacob Givens THE VIDEO: [After THE JUMP: The show notes, eventually.]  --------------------- 1. Oklahoma Preview: Offense starts at the top John Mateer is back; we got to see the Real Mateer last year—they ran him 15 times—before he got banged up, and that unfortunately is probably happening again. Still have Isaiah Sategna, the graduated slot who's going to be a handful no matter what, and three other WRs they like plus a rising sophomore who's going to be a star eventually. Run game is no longer hampered by the old RB coach, but they've got a lot of new cooks in the kitchen, and it's not clear who's running the show. There was a lot more under-center, they've imported blocking TEs and FBs, and they're playing 3 of them at a time. Last year Arbuckle ran his Wazzu RPO-heavy passing spread; this year the linemen are going downfield. Their OL situation is messed up right now with a lot of injuries clouding things at LT, C, and RG, and insiders are skeptical about the program's report that two of their ~6 starter-caliber guys will be fully back. So...true freshman center against Trey Pierce, eh? If Oklahoma turns this into a blowout it's because they are winning the TE vs Michigan LBs battle, which is a real concern given the LBs have to respect Mateer's legs and arm. 2. Oklahoma Preview: Defense starts at 18:45 Last year Michigan tried to ease Underwood in by doing the things you do with freshman QBs and Venables was sitting on them. You know he can coach a defense because he took over a Lincoln Riley/Cale Gundy outfit and made it an elite outfit. Took him a few years to do that of course, because he had to raise his own elite recruits. But yo: Cole Sullivan isn't even starting. They've made him the more linebacker option at CHEETAH, the VIPER equivalent. Secondary are all returning starters, front are all experienced guys. Alex was surprised however how much the UTEP run game worked on them, especially on Stone, the DT expected to be the first taken in the Draft. That was a Rich Rod 2008 effect somewhat: UTEP spread out and ran the QB and did interesting things to mess with the way Oklahoma defenders get upfield quickly. Michigan can't do what they did last year: NEED to hit some deep shots on 1st down. 3. WMU After Review: Offense starts at 38:04 4. WMU After Review: Defense starts at 55:24 Not great, actually. Big mistake scores in the LBs, John-Henry Daley was JAG. Did find a lot of +1 or +0.5 events for Dominic Nichols, including playing AROs well, and think Bowles is exciting in a Don Brown death marmot kind of way if they can have him not blow Day 1 things. But want more at 3rd DT than Lea'ea being a supreme effort guy—got two plays from Palepale in six snaps so there's upside here. Cam Brandt getting crushed is bad news for all of the young DEs. Nate Marshall had a young guy mistake so you see why they preferred the senior, but these guys are going to have to get a lot better. Secondary not much to say: they were fighting screens but not a lot downfield. Featured Artist: Jacob Givens I'm only barely on Instagram, but when I'm on there I'm usually sharing music stuff with my besties, who were all in an Ann Arbor band that tried to "make it." Jacob Givens is us, minus the Michigan football text chain. He also was making music around the same time as my friends, and finally shared it online. He's not as good at singing, but the composition and lyrics are so good I want to make a Jacob Givens video of me and my friends listening to Jacob Givens for the first time. Probably of Fluorescent. If you've got music and won't issue a takedown notice on YouTube, I'd love to feature it on future episodes. Songs: Tabula Rasa Fluorescent        Pendulum Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

2 hours and 13 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, The Aretha Franklin Amphitheatre, Radecki Oral Surgery, Long Road Distillers, and Venue by 4M where recorded this. 1. Clocks and Vibes Starts at 0:54 Brian left early. The clock said zero so he left the building. Spiritually the result of this game doesn't matter, they lost the game spiritually. After Zapruder Film Analysis, either NBC showed the wrong clock or the clock in the stadium is bad. The seconds weren't the same length?? Does college football need tenths of seconds? Was this the most disappointing game you've seen as a Michigan fan? The plays don't look coherent, it doesn't look like players are running the same thing. The run game was disappointing and Bryce Underwood does not look like he's improved from a year ago.  [The rest of the writeup and the player after THE JUMP]  2. Offense vs Western Michigan Starts at 19:30 Bad. Bad in ways that make you scared about where the program is. Bryce is still zeroing in on one receiver without seeing the field. Manuel Beigel is not one of the best eight offensive linemen, why is he on the field as the rhino? He can't block. Half the line ran stretch and the other half didn't. They didn't try to just run power down their throat. It felt like they were trying to run frippery without establishing the basic stuff first. The coaches are from Utah and BYU, programs that have been established for 20 years. Are the coaches running plays like Michigan has the stability and continuity of Utah and BYU? We were hearing that Bryce's footwork was improving, is he just not learning/processing fast enough? He's got the talent but if he can't read a defense then it doesn't matter. Age-wise, Bryce is still a freshman. Why did Bryson Kuzdzal start the second half, the other two RBs barely had any plays. JJ Buchanan is pretty good! Jalen Hoffman looked good, put him out there instead of a rhino. Evan Link came a long distance last year but was disappointing this week. 3. Hot Takes, Defense, and More Vibes Starts at 54:57 Takes hotter than the internet at about 10:30pm Saturday night. Can't be too mad at the defense because functionally they only really gave up six points. You can see things happening on the defense, the young linebackers have talent but they're making mistakes. On the ground game there's a huge difference between the starters and everybody else. They don't think they have a 3rd defensive tackle. Pierce and Etta looked pretty good. Too much Brandt. Salesi Moa didn't look terrible out there, he's an... interesting player. Defense tried to be heroes too many times. Punting was really good, Zeke Berry was an excellent gunner. Let's talk 4th downs and clock management. Nine penalties is concerning. The uniforms have got to go. The stadium volume was really low, the music wasn't deafening but you also couldn't hear the refs. The stadium experience felt "very generic". They replaced the Rose Bowl logo with a Google Gemini ad. They had to put the corporate logos on the banner that had the national championship logos on it. It feels like every year that you go to the stadium the experience gets worse. This is important to us and not to the people who are selling it. There's nothing about it now that wouldn't be materialistically different than if Dave Brandon was currently the athletic director. It looks like Michigan didn't let Western bring their band. Fans rushing the field might've been the most organic thing to happen during the game but players wanted nothing to do with it.    4. Around the Big Ten with Jamie Mac Starts at 1:46:06 Lightning round: Indiana 52, North Texas 16 Nebraska 49, Ohio 21 Ohio State 56, Ball State 3 Penn State 45, Marshall 0 Iowa 40, Northern Illinois 0 Maryland 62, Ham 0 USC 39, Fresno State 0 Minnesota 59, Eastern Illinois 7 Northwestern 34, South Dakota State 18 Illinois 42, UAB 23 Purdue 44, Indiana State 19 Washington 24, Washington State 10 Sadly this is probably how the Apple Cup will go from now on. Washington really struggled to move the ball but Wazzu has no offense.  Notre Dame 41, Wisconsin 13 Wisconsin's uniforms looked like Rutgers. This was not the blowout that the score suggests. Neither team could really run the ball. Wisconsin looks like a team that could make a bowl game again.  Oregon 34, Boise State 27 Oregon almost doubles Boise State in yardage. Remember Seth's hot take about the Oregon offensive line? Dan Lanning is not building strong up front.  UCLA 42, Cal 24 Could UCLA maybe be 7-3 when they come into Ann Arbor? They rushed for over 8 YPC.  Michigan State 30, Toledo 20 This game was funnier Saturday morning. Toledo had some explosive plays. Doesn't move the needle on Michigan State much.  UMass 37, Rutgers 21 UMass rushing rutger'd Rutgers.    MUSIC: "Too Much Time On My Hands"—Styx "Against All Odds"—Phil Collins "Walking On A Thin Line"—Huey Lewis the Names “Across 110th Street”—JJ Johnson and his Orchestra   

08-27-2026 Gene Townley Learn more about the interview and get additional links here: https://dailybusinessjournal.com/2026/09/08/why-lender-based-valuations-give-business-sellers-a-crucial-advantage/ Subscribe to the best of our content here: https://priceofbusiness.substack.com/ Subscribe to our YouTube channel here: https://www.youtube.com/channel/UCywgbHv7dpiBG2Qswr_ceEQ

Borrowers are switching lenders in droves, but getting a better rate is just part of the picture. Broker Daily's Julian Barnes is joined by The Adviser senior journalist Charlie Tchetchenian to unpack what's really driving the switch, from service and product fit to unresolved complaints. Plus, the pair discuss housing affordability, the growing commercial opportunity, and Suncorp's migration to ANZ. Listen to the latest episode of Broker Daily Uncut to get across the big issues shaping the broker channel.

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, SignalWire where we are recording this, and introducing Applied Fitness Solutions, and The History of Michigan Football, an online course by Greg Dooley. Featured Musician: The Unsustainables THE VIDEO: [After THE JUMP: The show notes, eventually.]  --------------------- 1. WMU Preview: Offense starts at the top It's a Walt Bell offense! They're going to put the WRs and TEs at the sideline to draw the secondary away from a running game that goes tempo, shifts late, and has a great backfield to punish any mistakes. Big OL includes a returning all-MAC guy and two 6'6" heavies at guard. Expect the WR screens to be the main passing attack, and if it's 3rd & long they dead. 2. WMU Preview: Defense starts at 15:27 The front seven got raided. They're finally out of Lou Esposito defensive linemen, went to the portal for an OSU walk-on and a weird DT/LB hybrid from LIU. Linebackers were formerly blitzy types, now 5th years. Secondary has one star in Joshua Franklin, the corner who returned when he could have gone to Ohio State or something, and another decent returning starter in former UConn/CMU CB Jarvarius Sims. Turner's been moved to nickel however and they're starting Presbyterian CB Willard Ferrell, who's listed at 6'1"/155, which: I believe you if you say you've gotten bigger but if that's your starting point woah. Ditto for returning free safety Joey Pope, and former Michigan walk-on, who also started for WMU last year. 3. Upon Further Preview starts at 28:41 Things we learned while doing the previews. One is that people are calling Bryce Underwood a bust: uh, too early folks! Linebacker panic in spring was probably because they saw nine walk-on caliber players with three young guys and zero Nate Staehlings. Also Chris Bracy's arrival was like Dani Rojas. 4. The NCAA's Eligibility Crisis starts at 53:32 Is LSU trying to corner the market on most unlikeable coaches? They are pushing this thing so hard it's turning people in favor of the NCAA. Such an incredible own goal from the NCAA to not grandfather this properly, because there were guys waiting and they drew a harsh line. Because they gave everybody the 2020-21 season for free it's really only those two classes—2021 and 2022—that didn't get a free fifth year, and all they had to do to make this make sense was extend it to players who 1) Didn't do anything pro after this rule was an option (read: not the guys LSU tried to sign, who were trying out on NFL teams); and 2) Would have eligibility under the new five-for-five rule (read: only recent grads who played four in four). Michigan would like them to play anyways because Roddy Gayle is now crucial with the McCoy injury, and it would be nice to bring back Ernest Hausmann as well. Featured Artist: The Unsustainables From MGoUser TxWolverine44: My band is The Unsustainables and we're based out of Chapel Hill. We're a rock-steady ska group and recently released our first album Every Broken Heart Will Mend (we have sent out the opening title track as our unofficial single). Worst case, I hope you enjoy it! The loose Michigan connection is that I'm an alum (c/o 2012) so tenuous Best case, I enjoy it, listen to it a bunch while writing the previews this year, and use it for our first MGoRadio episode this year. They say rock-steady ska, but if ska is a confluence of jazz and pop-punk, the jazz influence here is a much bigger part of the mix. Seeing them live up here probably isn't an option, but they have a couple of EPs that preceded this album so you can turn this on and leave it boppin' while you go through a bunch of linebacker film or whatever it is you do during the day. I used three thematic songs but the Chesterfields song was my fav when I had this on. If you've got music and won't issue a takedown notice on YouTube, I'd love to feature it on future episodes. Songs: Every Broken Heart Friday Nite Honeydrippers    Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

Going digital doesn't mean your dealership has a real process — it just means the paper folder moved online. In this episode of the 700 Credit podcast, Mitchell Falink, VP of Lender & Aftermarket Operations at The Reynolds and Reynolds Company, joins Ken and Jason to discuss the pitfalls faced by dealers who update their technology while ignoring the risks in their processes. #automotive #dealership

A global government-bond sell-off, fueled by heavy borrowing, widening deficits, persistent inflation, and surging corporate debt issuance tied to AI investment, is pushing bond yields and borrowing costs (including mortgages) higher across major economies. Robbie interviews Lender Toolkit's Brett Brumley on the proper due diligence necessary with counterparties in the artificial intelligence era. And the Iran war is driving oil prices and inflation expectations higher while soaring government debt and persistent deficits are prompting investors to demand greater returns on bonds, leaving little reason to expect interest rates to decline.Thanks to Zillow Home Loans, Zillow's in-house mortgage lender, for sponsoring this week's podcasts. By integrating Zillow's real estate platform with financing, Zillow Home Loans helps buyers move from dreaming about a home to holding the keys. With tools built for modern lending, Zillow Home Loan's loan officers can focus on guiding buyers with care and confidence. Zillow Home Loans is an equal housing lender. NMLS #10287.The Chrisman Commentary is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

In this episode of the Finovate podcast, host Greg sits down with Luca Terragni, Chief Revenue Officer and co-founder of Prestatech, a finalist in the Risk Management category for the 2026 Finovate Awards. Luca shares his fascinating journey from traditional investment management in New York and London to launching PrestaCap, an alternative lending platform in Europe in 2016. What started as a direct lending business using their own balance sheet evolved into a powerful technology solution when Luca and his team discovered that traditional financial data points weren't sufficient for accurately assessing SMB creditworthiness. Their breakthrough came from analyzing real-time bank account transaction data, which provided a much clearer picture of a business's current financial health compared to backward-looking financial statements and credit bureau reports.The conversation delves into how Prestatech transformed from being a lender competing with banks to becoming their technology partner. After successfully exiting PrestaCap to a private equity fund in 2020, Luca and his co-founder realized their bank account data analytics technology could serve a much larger purpose. Rather than lending to a few hundred businesses annually with their own capital, they could empower banks to make better lending decisions for millions of businesses. The technology focuses on monitoring loan book health by processing SMB bank account transactions on a regular basis, identifying distress signals much earlier than they would appear in traditional credit bureau reports—a capability that's particularly valuable for regional and community banks sitting on vast, underutilized bank account data lakes.Now expanding into the U.S. market, Prestatech is bringing its battle-tested European technology to address the acute challenges American financial institutions face in the current tightening credit cycle. Luca explains that their cash flow analytics layer helps banks identify creditworthy businesses that might otherwise be filtered out by traditional underwriting methods, especially newer or "thinner-filed" companies that lack extensive credit histories but demonstrate strong real-time financial performance. With their technology already regulated and audited by the European Central Bank, Prestatech is positioning itself as a trusted partner for U.S. banks looking to enhance their risk management capabilities through smarter use of bank account transaction data.More info:Prestatech: https://www.prestatech.com; https://www.linkedin.com/company/goprestatech/Luca Terragni: https://www.linkedin.com/in/terragni/Greg Palmer: https://www.linkedin.com/in/gregbpalmer/Finovate: https://www.finovate.com; https://www.linkedin.com/company/finovate-conference-series/Finovate Awards: https://informaconnect.com/finovate-industry-awards/#Finovate #FinovateAwards #fintech #financialinstitutions #finalist #smb #risk #riskmanagement #modernization #technology #strategy #fintechstrategy #personalization #data #transactiondata #digitaladoption #podcast #fintechpodcast #financialservices #innovation #digitraltransformation #fintech #finserv

In this episode, Lonnie Glessner, a seasoned loan officer in Colorado, shares insights on the current real estate and mortgage markets, investment strategies, and the impact of market trends on investors and homebuyers. Discover practical tips on financing, managing rental properties, and navigating Colorado's unique real estate landscape.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Send us Fan MailIn the latest episode of the Exit Insights Podcast, Darryl Bates-Brownsword is joined by John Franklin Wiley, founder of Exit Factor Scottsdale Metro, to explore one of the most overlooked realities of selling a business:You are not only selling to the buyer. You are also selling to the person financing the buyer.Many business owners spend years thinking about how to make their company attractive to an acquirer, but they rarely consider the person who ultimately has the power to approve or reject the deal — the lender.The reality?Every buyer arrives with a lender. If the lender walks, the deal walks.The businesses that achieve successful exits are the ones that prepare years before a transaction by understanding what both audiences need to see: the buyer who wants opportunity, and the lender who wants confidence and reduced risk.Listen in as we discuss:

Matt Faircloth interviews Mark D'Alessandro as he shares the inside scoop on his incredible journey from a small turf grass operation to building a multimillion-dollar event company that made the Inc. 5000 list, all before jumping into multifamily real estate with a focused buy box in the Mid-Atlantic. He reveals the key leadership principles that have helped him cultivate high-performing teams, like the importance of setting clear agreements, embracing honest communication, and aligning on shared goals, especially when partnerships are your secret weapon to growth. Mark D'Alessandro Deal Sourcing & Investor Relations of Fourth Wall Capital Based in: Arnold, Maryland Where to find them: https://fourthwall.capital/ goodindevelopment.com Book your free demo today at bill.com/bestever and get a $100 Amazon gift card. For more information, visit https://superhuman.com/. Podcast production done by⁠ ⁠Outlier Audio⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Breaking Barriers Show, we sit down with Theoni Rapo, known as Not Your Daddy's Lender, alongside her mother, Orjana Rapo, for a powerful conversation about immigration, entrepreneurship, family, sacrifice, and the mindset it takes to keep moving forward.Orjana shares the incredible story of leaving Albania while eight months pregnant, determined to build a different future for her family in America. From traveling through Canada to being hidden inside a truck and trailer while crossing the border, her journey is a reminder of how far people are willing to go when there is no backup plan.That same mentality helped shape Theoni's approach to business. After entering the mortgage industry at just 18 years old, she built a bold personal brand by doing things differently in an industry traditionally dominated by older professionals. She shares why she measures success by her inputs instead of her outputs, why showing up consistently matters more than immediate results, and what it really means to go all in.The conversation also dives into entrepreneurship, family-owned businesses, social media, personal branding, billboard marketing, real estate, mortgage rates, and the lessons passed down through generations.From immigrating to America with everything on the line to building businesses with a no-failure mentality, this episode is about betting on yourself, staying consistent, and seeing opportunity everywhere you go.Listen to the full episode now!Don't forget to subscribe for more real stories, business lessons, and conversations with people who are breaking barriers.

Buying your first home can feel overwhelming, especially when you're trying to understand mortgage rates, loan options, down payment requirements, closing costs, and how much home you can actually afford. The goal of The Educated HomeBuyer is to help first-time home buyers cut through the noise, understand the mortgage and real estate process, and make smarter decisions before buying a house.Whether you're just starting to save, getting ready for a mortgage pre-approval, comparing lenders, or actively shopping for a home, understanding the process can help you avoid expensive mistakes. We break down first-time home buyer programs, FHA loans, conventional loans, mortgage rates, home affordability, credit requirements, and the home buying process so you can buy with confidence.✅ Are you Ready To Become A Homeowner?Take the Homebuyer Readiness Quiz✅ Start your stress-free journey today:Connect with The Educated HomeBuyer TeamOur mission is simple: help you Buy Right. Borrow Smart. Build Wealth. If you're a first-time home buyer looking for straightforward advice on mortgages, real estate, and buying a home, you're in the right place.

2 hours and 21 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. Michigan's Nonconference and Big Ten Teams 18-15 Starts at 0:54 We welcome in Alex Drain to go over Michigan's nonconference games and the rest of the Big Ten. Western Michigan Pretty good for a MAC team, they won the MAC last year.  Last year they were an offensively driven team, but they've lost their defensive coordinator to the LA Chargers. They have big offensive linemen (including Ben Roebuck). Michigan's questions at defensive tackle and linebacker will get an early test.  UTEP It's bad. Like... really bad. They're starting over with FCS guys.  Oklahoma They get John Mateer back (which can be good or bad at any given moment). His stats in the second half of last year weren't great, how much of that was because of injury? He's an athlete when he has to run the ball. They bring back All-SEC WR Isaiah Sategna. Their run game overall was really bad, it brought down their overall offensive SP+ to 51st. Current SP+ projections are 27th. Cole Sullivan might not even start. The starting line is Michigan -2.5 so consider it a toss-up. 18 - Purdue 7-29 in the last three years since losing Jeff Brohm, and there's not much optimism going into this year either. Their schedule might be a little easier at least. This is year two of a coach starting over for Baryy Odom. Can you name the Michigan player who is a projected starter for Purdue?  17 - Michigan State Pat Fitzgerald is... a weird hire. They bring back QB Alessio Milivojevic for some continuity, also PFF really likes UConn RB Cam Edwards. The offensive line looks okay-ish. However, Fred Moore is a projected starter. Do they get four wins?  16 - Rutgers Nobody cares about them except for Bryan Mac. Last year they had their best offense since 2007 but their defense was 131st in success rate. They have KJ Duff who has a claim for the 2nd best wide receiver in the Big Ten. The offense is projected at 37th in SP+, the defense at 90th.  15 - Maryland Someone always has to die in the Maryland preview. They're #2 in returning production in SP+. Give Locksley some credit for returning a lot of young and talented players. A nonconference game against James Franklin's Virginia Tech could be exciting.  [The rest of the writeup and the player after THE JUMP]  2. Big Ten Teams 14-8 Starts at 38:57 14 - Northwestern They have Chip Kelly and a new stadium (we all liked Ryan Field, though). They start with South Dakota State and then get a week two bye, oddly enough. Can they fix Aidan Chiles? They have some returning wide receivers that are decent.  13 - Wisconsin The shell of Wisconsin, the week they though Luke Fickell would get fired he got an extension. They bring in QB Colton Joseph, the Sun Belt player of the year. Old Wisconsin would never have to go into the portal for a running back. By extending Fickell they gave him a bigger NIL budget which he used to get seven defensive starters. 12 - UCLA They have a new coach. The weird Deshaun Foster era ended before it started. Bob Chesney comes in from James Madison. Nico Iamaleava comes back (for better or worse). James Madison was in the playoffs last year, you might recall. There is a lot of reason to be optimistic about this hire. Semaj Morgan is there!  11 - Nebraska They did not get year-three Matt Rhule, there was no lift-off and Raiola left. They picked up QB Anthony Colandrea from Virginia. They need a new RB. They're on their 4th defensive coordinator in five years, despite a soft schedule they still finished 7-6 last year. It feels like another 7-5 ish season. Is that Matt Rhule or is that just Nebraska now?  10 - Minnesota 68% returning production. They're always around here and they always win a bowl game. QB Drake Lindsey is appearing on 1st round mock drafts?? They're projecting 71st on offense and 24th on defense. They're Minnesota.  9 - Illinois They lose Luke Altmyer to the Detroit Lions and bring in Katin Houser (MSU plays three of their former QBs). Only one starter returns on the offensive line. They bring in Bobby Hauck as defensive coordinator, he left Montana claiming college football wasn't fun anymore and then took this job five days later. He might be their Wink. The defense needs to be fixed up a bit. 8 - Washington They forcibly detained QB Demond Williams for another year so... I guess we'll see how that goes. Last year he could just toss it up to Denzel Boston but he's out the door. They bring in a RB from Oregon and Christian Moss from Kennesaw State. Four of five starters return on the offensive line which could be solid. They lost some pretty good guys in the secondary, defensive tackle is still worrying since they have FCS and MAC guys to plug in positions. Their schedule is very favorable, they could even sneak into the playoffs (and get demolished). 3. Hot Takes and Secondary Starts at 1:19:11 Takes hotter than the hottest hot take that anyone has ever given the Sklars after one of their shows.  7 - Iowa They're Iowa. They haven't had an SP+ defense worse than 6th since 2018. They got all the way up to 37th last year in offensive SP+ (turns out Brian Ferentz was not good at offensive coordination). There are some all-Big Ten guys on the offensive line. Do they have any receivers? Ehhh. They have tight ends. Seth read three preview magazines and they all listed different starting QBs. They lost a lot on defense but they always rebuild. This could be a worrying game for Michigan (if Iowa can score).  6 - Penn State Well, the good news is last year they weren't as bad as they looked. Despite everything that happened they were close to beating Indiana at the end of the season. Matt Campbell comes in with Rocco Becht. A lot of players came over from Iowa State, it's just a matter of how quickly they can fit it all together. Their schedule is a joke, they could even sneak into the playoff or the Big Ten title game. Michigan should still be a favorite.  5 - USC They bring back QB Jayden Maiava, but they replace Makai Lemon. The receiver conveyer belt is moving. Everybody loves Waymond (and they bring back King Miller). Their new defensive coordinator is Gary Patterson (yeah that Gary Patterson). Too bad they don't play Northwestern. They always have a top 10 offense and they just need the defense to be okay. The schedule is brutal, though. Are they just permanently the 15th best team in college football under Lincoln Riley? 4 - Michigan? See: all other content. 3 - Indiana They are the portal team now. Despite losing so many players they recruited the transfer portal like an SEC team. QB Josh Hoover comes in from TCU, he's a good conference starter. They also bring in Nick Marsh (MSU) and Shazz Preston from Tulane. Add that to Charlie Becker and their WR room is stacked (also two time winning national champion Tyler Morris!). They bring in a RB named Turbo! They reload on defense and keep their defensive coordinator. Brian is not a believer and predicts 8-4, Alex thinks they'll be really good, Seth is somewhere in between. 2 - Oregon They get Dante Moore back with the regular trope of skill position players. The offensive line is a big question mark and they replace both of their coordinators with in-house hires. The defense has some good players including one of the best corners in the country. They have a Rimmington-quality center but that's about it for the line (the starting right tackle is a true freshman). Their talent is undeniable, but can they win the big game?  1 - Ohio State Last year they had the Penn State schedule of this year. Sayin's stats looked unbelievable through 12 games, then they couldn't score against Indiana and Miami. That needs to improve. Jeremiah Smith is a generational wide receiver, Chris Henry Jr will be really good but probably not quite Jeremiah Smith's level. The offense will need to make that next step. The defense was what was considered generational on SP+. They lose 9 of 11 starters on defense but they always have a conveyer belt. They had to portal some guys, though. They'll probably take a step back on defense but the offense stepping forward probably cancels that out. The schedule is pretty brutal.    4. Lightning Round Starts at 2:09:30 Predictions! List yours in the comments. -Who will be offensive MVP? -Who will be defensive MVP? -Breakout player on offense?  -Breakout player on defense? -X-factor on offense? (Most variable in your estimation) -X-factor on defense? -Biggest strength on offense? -Biggest strength on defense?  -Biggest concern on offense? -Biggest concern on defense? -Who's your guy on offense? -Who's your guy on defense? -Michigan's record?   MUSIC: "The Latter Teens"—Vansire "Black Bear"—Hey, Nothing "Funky Fanfare"—Keith Mansfield “Across 110th Street”—JJ Johnson and his Orchestra   

1 hour and 49 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. Defensive Line Starts at 0:54 The defense is older and more experienced overall compared to the offense, but there are some holes to fill. John Henry Daley transfers from Utah and claims to be ready to go. Aidan Hutchinson as his ceiling might be tough coming off of an injury, but Aidan Hutchinson's 2021 season was also coming off of an injury. There's also a version of JHD where he's not all the way back and is only pretty good. The other starter is either Cam Brandt or Dom Nichols. We're not hearing a lot about Nate Marshall. Benny Patterson, on the other hand, could be a guy that's coming on. A lot of the defensive ends have some experience and are just waiting for their turn. Defensive tackle is not as deep, has some question marks, and doesn't have an established star. Trey Pierce could be solid. Enow Etta has a chance of taking a big step forward. By the end of the season he was the one still standing up against Ohio State. Seth is not high on Jonah Lea'ea. Palepale is probably the 3rd defensive tackle, he's a big dude. Don't give up on defensive tackles. Everyone wants Alister Vallejo to be the high riser, the Mason Graham comparisons are out there. Bobby Kanka flashed in the spring game. Defensive tackle seems like a not great situation overall - there are a couple guys who are serviceable to good and then a lot of questions marks. You always need at least four.  [The rest of the writeup and the player after THE JUMP]  2. Linebackers Starts at 33:40 The group that is probably the most uncertain, more-so than defensive tackle. They had a first and second team of linebackers that have left after last season. We get to see Cole Sullivan again this year after he transferred to Oklahoma. Nate Staehling is the guy we're most excited about, the transfer from North Dakota State. It would be so lovely if he was a generic Iowa linebacker! He has the ability to take on a lead block. The other portal takes are much less inspiring. Troy Bowles, Chase Taylor, and Nathaniel Owusu-Boateng are the other major contributors. A lot of them look like safeties. Chase Taylor has high shoulder pads! Staehling probably starts with Bowles? After these three it drops off pretty quickly. The recruiting class has three guys that all ranked in flyer territory. Nobody in the program is complaining about defensive tackle, but there are a lot of concerns about linebackers. Keep the top guys mostly healthy and you've got a shot, though. 3. Hot Takes and Secondary Starts at 53:56 Takes hotter than that other week this summer that wasn't even Art Fair but it was like 100 billion degrees and Brian was sitting outside watching his kids play tennis badly. This is a surprisingly veteran group! Not a lot of questions at cornerback, your starters are Jyaire Hill, Zeke Berry, and they import Smith Snowden from Utah. Jyaire Hill has first round upside and this year should be a star. Zeke Berry is at least solid but is he better than that? Could Shamari Earls start over Zeke by the end of the season? The other cornerbacks are Jo'Ziah Edmond, I'Marion Stewart, and Jamarion Vincent. Vincent is a freshman and Stewart is a flip from wide receiver; they're not generating a lot of buzz. Seth is ridiculously high on Smith Snowden at nickel. At safety - is Rod Moore going to be healthy? He says he's healthy but he's on a pitch count. If he's healthy and he's Rod Moore he's one of the best safeties in the country, but he might not be Rod Moore. Chris Bracy transfers in from Memphis and is one of the best transfers in the country. He's a huge asset in stopping the run. Too bad he's not big enough to play linebacker. Mason Curtis got a lot of experience last year and is the 3rd safety, he'll get a lot of opportunities this year. Jordan Young has some upside despite inexplicable snaps last season.  4. Special Teams and Overall Thoughts Starts at 1:28:04 This defense feels like it's going to be pretty decent but there are a lot of questions. If you get the ceiling of a lot of guys on the edge and maybe Staehling then they could be really good. But the middle of the field and the backup defensive tackles are shaky. Will it be fine and are we just spoiled as Michigan fans? There are a lot of guys that will be big pieces on the defense in two or three years and they're on the roster right now. The secondary will be especially exciting if Rod Moore is back, but could weird teams like Iowa take advantage of what Michigan's missing? Also, Michigan has a college defensive coordinator and not Wink Martindale. Michigan imported Trey Butkowski (kicker) and Cam Brown (Aussie punter). Pat Narduzzi was really mad that he lost his kicker so he must be really good. He's not Moody or Zvada but he makes a lot of kicks. The 25 yard line is probably field goal range now, rather than the 35, Justin Turner is your likely comparison. Cam Brown's an odd one. He's a Hudson Hollenbeck comparison but kicks it a little further. Michigan's long snapper, Gavin Magorien, is the only Michigan player on the Freaks List this year. Who do you want returning kickoffs, Moa? And Andrew Marsh on punts?  MUSIC: "Take It"—Donnie and Joe Emerson "Rabbits"—Thomas Dollbaum "Dog Bite"—Mickey Leao “Across 110th Street”—JJ Johnson and his Orchestra   

2 hours and 26 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. 2026 Season Vibes Starts at 0:54 Well, that was an offseason! We win national championships and commit crimes, we are now an SEC program. Michigan has a good dude in Kyle Whittingham now, though! Everyone deserves a freshly showered Brian Cook. What's your excitement level going into this season? It's nice that there are adults in charge now. Some of the things that felt 'off' last season make more sense. There aren't many players on offense this year who you wouldn't project to come back next year, it's a big building year. We're in 2015 mode right now. They actually imported an entire wide receiver room. It feels like Bryce lost a year of development but at least he goes into this year knowing what to expect. The strength and conditioning should be greatly improved, it's telling when coaches leave somewhere and end up at a worse program.  2. Quarterback and Running Back Starts at 25:15 It felt like last year was a lost cause. Pass protection wasn't good enough because the line was super young, the wide receivers were... not sufficient enough. Tyler Huntley in his second year at Utah ran probably three times as much as Bryce, he's still in the NFL with the Ravens. The potential is still there but it feels like he's still a freshman. They ran Bryce like you would run John Navarre, thinking nobody will expect this! This year it will be a team that runs the quarterback. This is the most talent Kyle Whittingham's staff has ever had, they come from a college background and should be excited to execute with it. Bryce struggled passing last year but he was thrown into a bad situation with his receivers. Do you think Bryce will have fewer pass attempts this season? Physically Bryce is everything you could ask for, he just needs to get there mentally. He hasn't been golfing this offseason. Progress is not linear, he might not look great early but hope for him to get slowly better over the course of the season and have a watershed moment by mid-season. Some QBs you can tell just aren't happening in the spring game, but Tommy Carr was happening. Brayden Fowler-Nicolosi is here but did not enroll for spring, he's a multi-year starter at Colorado State but lost his job. Chase Herbstreit and Brady Smigiel... don't exist right now. Running back is similar to last year where the one-two punch is among the best in the country and Bryson Kuzdzal is the third guy. This is Jordan Marshall's year and just by the way he talks there's no way he's not going to try and be the best running back in the country. Savion Hiter already looks like the best running back prospect out of high school in many years. Is Kuzdzal the ceiling for an RB3? Any other program who looks at this running back room will look at us and say "shut up". You wouldn't expect meaningful playing time from anyone else.  3. Hot Takes, Wide Receivers, and Tight Ends Starts at 1:14:40 Takes hotter than Ann Arbor during Art Fair. The wide receiver room... exists! Do you remember the last Michigan receiver to have a 1,000 yard season? Some guys just have it, Andrew Marsh has it. Who's the last Michigan receiver to live up to this hype? Nico Collins? They import JJ Buchanan in the way that Devin Funchess was a tight end, he's your jump ball guy. Salesi Moa and Travis Johnson are true freshmen but they're the next two guys being mentioned. Salesi Moa blew everyone away at the Polynesian Bowl, you hope for him to be Michigan's Jaxon Smith-Njigba. Travis Johnson seems to be WR4 but also one of the fastest guys on the team, how much play time can you expect? Jaime Ffrench comes in from Texas, Michigan barely had a receiver room when he committed, he's in a weird situation. Channing Goodwin is getting some chatter again. Who are the jet sweep guys, Moa and Marsh? This is the thinnest tight end room we can remember. There isn't a Colston Loveland type guy but Zack Marshall looked really good last year and has a captain mentality. They say Hogan Hansen is healthy and ready to go but he's been hampered by injury and is probably a bit behind physically. Jalen Hoffman is ready to step up and be that dude as a blocker. Also he can catch the ball! They're talking about freshman Mason Bonner in wide receiver-y ways. Eli Owens (Thump) wants to be Max Bredeson but it's only his 2nd year.  4. Offensive Line Starts at 1:57:36 Brian was despondent when linemen hit the portal in the offseason but they all came back. Jake Guarnera is the center and there's no question about it - that being locked down is so important. Andrew Sprague should also be great, he's the locked in right tackle. It's a good thing when Texas comes for your linemen (as long as you keep them). How good of a pass protector can he be, though? They just imported Jim Harding from Utah, regarded as one of the best offensive line coaches in the country. The offensive line has question marks but they're good question marks. Blake Frazier was the lightest guy on the line but he's put on 20 lbs, he should be improved at left tackle. Babalola's progress is the only reason he's not locked in. There's the "Rhino" role for a 6th offensive lineman so there are positions for everyone. They're hyping up Babalola a lot in practice. The incoming freshmen are great but they're freshmen. Evan Link looks to be your starting left guard, he massively improved at left tackle last year after a rough freshman year but this should be a better suited role for him. There's competition for right guard but not for left guard so he might be a pretty solid option. Right guard is a competition between Brady Norton and Nathan Efobi. People are very high on Ace Hamilton. The offense as a whole has a lot of talent but it's so young, they don't have a senior leader. This team will probably still feel like they're a year away.  MUSIC: "King of the Night"—Rubber Band Gum "Fools"—Drugdealer "Mobile Home"—Jesse Woods “Across 110th Street”—JJ Johnson and his Orchestra   

Thinking about buying a condo? New lending rules from Fannie Mae and Freddie Mac could make getting a mortgage on certain condos more difficult, and first-time home buyers need to understand the risks before making an offer.In this episode of The Educated HomeBuyer, Jeb Smith and Josh Lewis break down the major changes affecting condo financing, including stricter HOA financial reviews, reserve requirements, deferred maintenance, structural inspections, insurance requirements, and the elimination of the limited review for most condo projects. These changes are designed to uncover problems before you buy, but they could also cause more condo communities to become non-warrantable, potentially requiring a larger down payment, higher mortgage rate, or alternative financing.We also explain what first-time home buyers should look for when reviewing HOA documents, including reserve studies, financial statements, meeting minutes, special assessments, litigation, and upcoming repairs. A condo may look great on the surface, but problems with the HOA or building can affect your ability to finance the property today and potentially make it harder to sell later.Before buying a condo, you need to understand more than the monthly HOA payment. Knowing the financial and structural health of the community can help you avoid unexpected special assessments, financing problems, and expensive surprises after closing.Whether you're buying your first condo, comparing a condo vs. single-family home, or trying to better understand the home buying process, this episode will help you know what questions to ask before writing an offer.✅ Are you Ready To Become A Homeowner:https://www.buyrightborrowsmart.com/quiz✅ Start your stress-free journey today:theeducatedhomebuyer.com/startTopics Covered:Condo financing requirements, buying a condo, first-time home buyer tips, Fannie Mae condo guidelines, Freddie Mac condo guidelines, HOA reserves, HOA financials, condo special assessments, non-warrantable condos, condo inspections, condo insurance, mortgage requirements, HOA documents, and the home buying process.

Join host Lisa Gillett, SUPER AGENT® in this eye-opening episode of Ready, Set, Real Estate!® as she delves into the hurdles heirs face with lenders post-divorce or the death of a loved one. Discover how some lenders are creating obstacles to move heirs out of their favorable 3% mortgage rates. Tune in to learn from industry expert and get the insights you need to protect your family's financial future. Don't miss this essential discussion on navigating the complexities of inheritance and mortgage rates.CA Broker DRE 01736957Episode sponsor: "The Teen and Millennial Investment Blueprint"https://realestate100.net

Welcome to our monthly feature Learn With A Lender with Austin Clarence. In this episode, Austin breaks down the lending strategies agents can use to help homeowners move without giving up the low mortgage rates they locked in years ago. Next, Austin explains how turning a current home into a rental, using bridge loans, HELOCs, and tapping into home equity can create new opportunities to purchase a next home or start building an investment portfolio. Austin also shares how AI is streamlining the lending process, particularly for HELOCs and other equity-based products, and why agents should stay in touch with past clients instead of assuming their options are limited. 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.

Send us Fan MailWhat happens when a real estate investor carefully underwrites the purchase price, debt, income, and operating expenses, but treats insurance as a number to confirm at the end?In this episode of The Wealth Vibe Show, Vinki Loomba sits down with Guffy Wright, real estate insurance advisor, board member, real estate practice leader at The Mahoney Group, and host of the TMG People First Podcast, to unpack how insurance decisions can directly affect NOI, loan proceeds, property valuation, capital requirements, and long-term portfolio performance.Guffy explains why investors should bring insurance professionals into the acquisition process early, rather than relying only on a T12, offering memorandum, or historical premium that may no longer reflect current market conditions.Key TakeawaysWhy insurance should be underwritten early, not treated as a last-minute operating expenseHow inaccurate insurance assumptions can reduce NOI and materially affect property valuationWhy increasing premiums can lower loan proceeds and create unexpected equity needs or capital callsHow lender insurance requirements may sometimes be negotiated with the right information and professional guidanceHow lender waiver strategies can potentially eliminate unnecessary coverage costs while maintaining appropriate protectionWhy replacement cost, flood exposure, claims history, liability requirements, and property location can materially change pricingWhy Ordinance and Law coverage can become a major financial blind spot when damaged properties must be rebuilt to current codesHow reviewing insurance strategically across a portfolio can help investors better protect cash flow, equity, and long-term wealthA Question Every Real Estate Investor Should ConsiderWhen evaluating a property, are you treating insurance as simply another operating expense, or as part of your underwriting, financing, risk management, and wealth-protection strategy?Guffy's message is clear: bring your insurance team into the deal early.Historical insurance expenses do not always tell you what the property will cost to insure after acquisition. Lender requirements, replacement costs, geography, flood exposure, liability risk, coverage limits, and policy structure can all materially change the economics of a deal.Understanding those risks before closing allows investors to make better decisions before capital is committed.Episode Timeline00:00 – Introduction and episode overview02:15 – Guest background and real estate journey07:40 – Key investment strategy14:25 – Market challenges and opportunities21:10 – Wealth-building and portfolio growth28:35 – Actionable advice for investors34:50 – Final takeaways and closing thoughts

Stop focusing strictly on collateral value and start underwriting for true repayment!In this episode of The Note Closers Show, host Scott Carson sits down with 30-year credit banking veteran, note investor, and author of The Mad Lender's Guide to Private Lending and Note Investing, Doug Smith. Doug—aka "The Mad Lender"—shares essential insights into how private investors can avoid devastating loss rates, properly assess borrower capacity, and navigate shifting real estate cycles.Whether you are looking at non-performing notes, hard money loans, or commercial real estate opportunities, Doug breaks down why relying solely on property values can lead to severe pitfalls, how rising operating expenses impact cash flow, and why structured due diligence is non-negotiable.Key Topics Covered:The #1 Mistake Private Lenders Make: Why over-focusing on collateral value while ignoring borrower capacity, credit character, and primary repayment sources destroys returns.The Three Cs of Underwriting: How capacity, character/credit, and conditions dictate loan performance far better than property valuation alone.Commercial Real Estate & Multifamily Realities: Why rising insurance, taxes, and operating expenses are causing delinquencies and wipes-outs in syndications and commercial notes.Mitigating Downside Risk ("Dougie Downers"): How identifying potential failure points in every deal upfront saves principal capital.State-by-State Foreclosure Impact: Understanding judicial (e.g., Illinois, Florida) vs. non-judicial (e.g., Texas) timelines and factoring the time value of money into note pricing.DSCR Loan Flaws: Why typical Debt Service Coverage Ratio underwriting skips key property reserve and vacancy expenses, creating hidden default risks.Mentorship & Working with Professionals: Why self-servicing, skipping legal counsel, or taking advice from inexperienced instructors leads to costly legal and financial blunders.Don't let market shifts catch you off guard without a solid risk management plan. Make sure to subscribe, leave a review, and visit themadlender.com to grab Doug's book and learn more about his consulting services!Watch the Original VIDEO HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join Note Night in America community today:WeCloseNotes.comScott Carson FacebookScott Carson TwitterScott Carson LinkedInNote Night in America YouTubeNote Night in America VimeoScott Carson InstagramWe Close Notes Pinterest

A slow lender is not always a problem. Sometimes, it is proof that the product is worth waiting for. In this solo episode, I break down how to set expectations with clients when the best lender is not the fastest option. The key is to explain the tradeoff early, give the client a choice, and let them decide what matters more: speed or the better deal. When clients understand why the process may take longer, the stress drops for everyone. In this episode, I cover: Why Slow Is Not Always Bad - A lender may be slower because the product is strong and demand is high. How to Frame the Tradeoff - Show the client the fast option and the better-priced option so they can compare both. Why Expectations Matter - If you explain the timeline early, the delay feels expected instead of frustrating. How Client Choice Reduces Stress - Once the client chooses the slower option, they understand what they agreed to. The Restaurant Lineup Metaphor - A lineup can be proof that people believe the experience is worth the wait. Do not sell speed when speed is not the main problem you are solving. Explain the options, set the expectation, and let the client choose. Follow me on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com Subscribe to my email list, Peckford's Playbook Join the Mortgage Mindset Daily (Resumes on August 10, 2026) Gamify your prospecting with the 10@10 App I Love Mortgage Brokering is in partnership with Ownwell. To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca/scott.

Lender work isn't the only pathway to a successful appraisal business. On today's episode, Nick Conteduca, Co-Founder of Banks Technologies and Banks Valuation, shares how appraisers can tap into estate appraisals, divorce cases, tax appeals, litigation support, and other non-lender opportunities—all while overcoming the biggest hurdles of finding clients, managing projects, and of course, getting paid. Plus, he introduces HomeVault, a new platform designed to help appraisers grow their business beyond traditional lending work.Learn more about HomeVault here: www.GetHomeVault.comRegister for this year's Valuation Expo here: https://www.valuationexpo.com/#registerAt The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday!You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles. 

In this episode, George Aplicano shares his journey from banking to real estate investing and private lending, highlighting how speed, relationships, and strategic exposure drive success in a competitive market like Phoenix. Listeners will learn practical insights on scaling their real estate and lending businesses effectively.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Shannan Herbert has watched many people walk past banks and the people-centered CDFI she leads on the same block, to take their financial business to check cashing places and liquor stores where the cost of cashing a check or taking out an emergency loan is extortionary. For years, CDFI associations, government agencies, and think tanks have reported on the millions of Americans who are unbanked and lack access to capital. As CEO of Washington Area Community Investment Fund (WACIF), which serves new and next-level entrepreneurs and small business owners in Washington DC's underinvested Wards 5, 7 and 8, Shannan wanted to know why people opted for such predatory establishments. In this episode of Power Station, she shares findings from WACIF's just-released report, Beyond Access: Addressing the Trust Gap to Unlock Responsible Capital. In listening sessions conducted in partnership with Onyx Therapy Group and Building Bridges Across the River, participants recounted interactions with financial institutions that left them feeling humiliated and unwelcome. The trauma they experienced led them to payday lenders whose practices are designed to keep low-income borrowers in debt. This report, followed by the creation of a changemaking financial product, will unlock systems transformation and personal opportunity.

We're back and better than ever! join us around the fire as we learn how a simple farmer can overcome late stage capitalism! Carter recommends: Elder Race, by Adrian TchaikovskyRiley recommends: Seek Immediate Shelter, by Vincent Yu Hosted on Acast. See acast.com/privacy for more information.

Vessi Kapoulian spent fifteen years as a commercial lender. She underwrote more than a thousand deals and managed a credit portfolio north of a billion dollars before she ever bought a building for her own account. That order matters, and it is the whole reason this conversation is different from most multifamily interviews. Her framework has four parts, and she looks at them in a deliberate order: the operator, the market, the numbers, and last, the structure of the deal. Last. As she puts it, people pay back loans, not properties. The building is collateral and a secondary source of repayment. The person is the deal. The lender's opening question is the one most passive investors never ask: how do I lose money on this? Not what is the projected return. What is the downside, and where does it come from. She is direct about where LPs get hurt. The preferred return is not guaranteed, and a lot of investors believe it is. She walks through both waterfalls, the capital event and the cash flow, and what she wants to see about priority when a deal is stressed rather than when it performs. She has walked away from deals where the sponsor checked out and the numbers checked out but the structure did not align. She also talks about fraud, from both sides. She caught it as a lender. She was a victim of it as a passive investor. That is in the new book, and she does not soften it. Her latest, The Busy Professional's Guide to Passive Apartment Investing, is written for the doctor, lawyer, accountant, or executive working an eighty-hour week who wants real estate exposure without becoming an operator. Each chapter stands on its own so it works as a reference rather than a front-to-back read. Her first book, Mastering Multifamily Underwriting, is an Amazon bestseller and goes deep on the deal analysis itself. Both are on Amazon in all four formats. We also get into what changed in her 2026 underwriting on rates and insurance, why she wants insurance modeled well above the standard three percent, why she will not invest where the operator has no local infrastructure, and what a decade of watching LPs lose money taught her about protecting capital. Connect with Vessi Kapoulian: dbacapitalgroup.com masteringmultifamilyunderwriting.com LinkedIn Chapters 00:00 A lot of fraud, a lot of scams emerge in this part of the cycle 00:45 Welcome to Real Estate Underground 01:00 A returning guest: Vessi Kapoulian 01:30 Bulgaria, the Iron Curtain, and what it shaped 02:30 Fifteen years underwriting, then buying for her own account 04:00 Parallel paths: Clark St moves to the lending side 04:30 Why she wrote Mastering Multifamily Underwriting 07:00 The four areas, in order: operator, market, numbers, structure 08:00 People pay back loans, not properties 09:00 The Busy Professional's Guide to Passive Apartment Investing 11:00 Fraud, from both sides of the table 12:00 What a lender sees that a syndicator pitching LPs does not 14:00 Following the deck versus reading the documents 15:00 Both waterfalls, and why the preferred return is not guaranteed 17:00 Fees, alignment of incentives, and capital call conditions 18:00 Florida, Georgia, Tennessee, run from Los Angeles 19:00 Why she starts with local boots on the ground 20:00 Underwriting rates and insurance in 2026 22:00 Losing money, and why nobody has until they do 24:00 FOMO, and the deal you should regret more 27:00 Transparency after a loss, and the venture rule about cycled founders 29:00 The Final Five 29:30 Purpose: lasting positive impact 31:00 Best advice: you will get ready when the opportunity is presented 33:00 The decision she would take back, and God's timing 35:00 What is on the nightstand 36:30 Defining success: a life of significance 36:50 Life outside real estate: running, reading, family 37:30 How to reach Vessi Vessi's books: The Busy Professional's Guide to Passive Apartment Investing Mastering Multifamily Underwriting This week's books: The Family Office Handbook by Kirby Rosplock, and Raising Financially Fit Kids by Jolene Godfrey. Real Estate Underground with Ed Mathews. Find us wherever you get your podcasts, at clarkst.com/podcast or elevista.com/podcast Elevista - Speed as a Service™Elevista Connect is the first AI-powered lead conversion system built for real estate investors.

Private lender Aaron Marsh on why clients now bring ChatGPT quotes to the table, and why that backfires.Aaron Marsh runs a boutique private lending shop built for real estate investors that traditional banks can't or won't underwrite, from high-leverage beach properties to first-time buyers who got turned away everywhere else. In this episode, Aaron breaks down the new obstacle showing up in nearly every deal: clients running his loan terms through ChatGPT and coming back asking for the "better deal" the bot promised. He also covers the real down payment math on DSCR loans, what documents to have ready before you talk to any lender, where mortgage rates are realistically headed, and the AI tool quietly generating new leads for his team every night.Key topics:Why a 15% down DSCR pitch usually costs more than it looksThe down payment sweet spot between 20% and 25% for the best rateDocuments to have ready before approaching a lenderQuestions to ask a lender to know if they're a good fitWhere mortgage rates are realistically headed through 2027 and 2028Guest bio:Aaron Marsh is a private lender serving real estate investors across Texas, Alabama, and Florida, with commercial and investment lending in over 35 states. Learn more and grab his investor playbook at marshlending.com.Links:

Could a lender ever pull the rug and demand your mortgage back early? And should you be topping up your tenants' deposits every time the rent goes up? Your questions are tackled on this week's Ask Rob & Rob. (00:44) Josh wants to know, due to economic uncertainty, whether a lender could ever demand full repayment before the end of the term - even if he's never missed a payment. Rob B draws on experience from the last market crash to explain what lenders do when property values drop. (04:35) Luke rents in Hong Kong where deposit top-ups are standard practice. Should he be doing the same with his portfolio in the UK? Rob D explains the logic behind it, and what you need to get right if you do. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Got a question? Send it in here Find out more about Property Hub Invest

Finding the right home is only part of the journey—finding the right financing can feel just asoverwhelming. Every buyer's situation is different. Do you need to sell your current homebefore buying? What interest rate can you qualify for? What financial information will yourlender need?See omnystudio.com/listener for privacy information.

⚡ Flipping the Lender: How to Arbitrage Non-Performing Hard Money Notes for 42%+ Quick PaydaysWelcome back to the 50 Note Deals in 50 Days case study series! In this episode, Scott Carson—"The Note Guy"—uncovers an extraordinary, under-the-radar sector of the distressed debt market: buying non-performing hard money loans directly from institutional portfolios at massive discounts. When a fund broker dropped a list of 29 nationwide hard money defaults on his desk, Scott immediately hopped in his car to personally audit an incredible investment opportunity sitting right in the West Side of San Antonio, Texas. If you are a real estate investor who wants to learn how to transition from a traditional fix-and-flipper to an institutional "Lien Lord," this breakdown reveals the exact blueprint to intercepting foreclosure files. Discover the exact math behind snapping up a $150,500 legal unpaid balance for just $105,000, and how you can manipulate DSCR cash-out refinancing guidelines to print tax-free private wealth without ever lifting a hammer! Let's get into the data.

Welcome to our monthly feature Learn With A Lender with Austin Clarence. In this episode, Austin discusses how global events, inflation, and shifting oil prices are influencing mortgage rates and what that could mean for buyers and agents in the months ahead. Austin explains the latest Fed outlook – why home values continue to appreciate despite higher rates, and how to help clients focus on long-term wealth instead of short-term rate fluctuations. Last, Austin focuses on powerful loan programs for doctors, first responders, veterans, and self-employed buyers, showing how the right financing strategy can open doors that many people don’t realize are available. 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.

Naresh drives for Rapido. When his phone died, so did his income — for seven days, until he could borrow enough to replace it.Until 2024, India's biggest consumer lenders had turned that exact vulnerability into a recovery tool. Miss an EMI, lose your phone. It worked so well that smartphone lending grew from 1% to nearly 40% of consumer borrowing in three years. Then the RBI banned it. Lending collapsed by 80%. Delinquencies rose. Rejection rates hit 50%.Now the tool is coming back. This time with guardrails. The question is whether they're enough.*We want to get to know you a little better. Tell us what you think about Daybreak here.Daybreak is produced from the newsroom of The Ken, India's first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, and analytical business stories.

Responsibility of each position.

Welcome to another episode of The Cashflow Project! In this episode, the conversation focused on navigating today's unique multifamily real estate market and the role technology—especially AI—plays in shaping investment strategies. A key theme that emerged was how current market volatility, lender pragmatism, and shifting supply-demand dynamics are creating rare opportunities for investors willing to act now. The discussion explored how integrating AI tools into operations can improve efficiency, reveal hidden value, and optimize decision-making even for those without a technical background. Several points were raised, including the importance of open communication with lenders and investors, adapting to changing conditions, and maintaining a growth mindset. Whether you're an experienced operator or new to real estate, this episode delivers practical insights on leveraging data and technology to thrive in uncertain times. [00:00] Discussing Market Trends and Predictions [05:23] Multifamily market stability [07:39] Real estate price adjustments [09:57] Real estate market predictions [14:56] Lender-borrower relationship dynamics [18:04] Communicating transparently with investors [21:42] Building positive investor relationships [24:45] Transitioning to Agentic AI [26:21] Automated property data analysis [30:42] Non-coders using server tools [32:10] Analyzing Property Performance Metrics [35:19] Philippines team building apps [40:28] Applying Neil's practical business tips [43:41] Using AI in daily workflow [44:57] Wrapping up today's episode Connect with Neal Bawa! Website Instagram LinkedIn Connect with The Cashflow Project! Website LinkedIn YouTube Facebook Instagram

Proverbs 19:17 I pray this meditation from Proverbs 19 will loosen your grip on what you hold and open your hands to those around you, trusting the Lender who always repays. Does Encounter help you live generously? Please consider giving! What would it look like to lend something to God himself?

Jake shares lessons from rebuilding a permissions system around flexible roles, temporary permission leases, and delegated user management. He also discusses adding Apple Pay and Google Pay, plus designing automated text-message payment flows that use numbered choices instead of complicated keywords.Michael talks about building lender integrations, the importance of adding real context to API documentation, and using Claude to turn JSON specifications into PHP DTOs and enums. He also reflects on his team's new helpdesk rotation, where direct exposure to users has uncovered long-standing bugs, inefficient manual processes, and opportunities for developers to better understand the people using their software.They finish with the challenges of parenting teenagers, preparations for Laracon US in Boston, including a search for coffee, donuts, bagels, and cannoli. (00:00) - Club World Cup surprises and sports talk (03:12) - UFC, LeBron and basketball moves (06:33) - Rebuilding roles and permissions (08:39) - Permission leases and delegated management (10:02) - Apple Pay, Google Pay and text-based payments (11:50) - Lender integrations and better API documentation (14:08) - A new developer and the helpdesk rotation (17:13) - Automated tickets and failed queue jobs (18:54) - The address autocomplete bug (19:58) - When tiny code changes create hidden failures (23:02) - Why support requests need a real ticket (25:17) - Developers learning directly from customers (27:53) - Cross-department training and business context (30:51) - Building trust beyond Slack (32:02) - Weekly stress, workload and personal check-ins (35:18) - Parenting teenagers and setting curfews (37:10) - Planning for Laracon US in Boston (40:00) - Australian and American school calendars (42:51) - Vacations, PTO and wrapping up

In this episode, Mark Abramovich shares his inspiring journey from emigrating from the Soviet Union to becoming a successful real estate lender. He discusses the importance of experience, systems, AI integration, and building genuine relationships in the real estate industry. In this episode, Mark shares his journey in real estate lending, the importance of clarity in business strategy, and how to leverage relationships for growth. Discover practical insights on scaling, process improvement, and building a strong referral network.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

2 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.

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