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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   

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. 

Lenders are increasingly looking beyond interest rates to stand out, with new policies and product innovations reshaping the options available to borrowers. But what do these changes actually mean for brokers and their clients? Join Broker Daily's Julian Barnes with Finni brokers Costa Arvanitopoulos and Rebecca Carlson as they unpack the latest lender policy changes, including Liberty becoming the first non-bank to join the 5 per cent Deposit Scheme, AMP's new 40-year investor loan, the growing competition in SMSF refinancing, and ASIC's findings into widespread mortgage offset account failures. The team also discusses what softer auction clearance rates and falling home values are really saying about the property market, why investors are pivoting towards new strategies rather than sitting on the sidelines, and what the latest trends mean for brokers navigating an evolving lending landscape.

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.

Send us Fan Mail◆ The collapse of another specialist lender hits asset-backed lending but why it's different this time ◆ MDBs ramp up private funding ◆ No greenium but European banks happy to print more ESG labelled debtBarely six months after the controversial collapse of Market Financial Solutions, another UK specialist lender has tumbled. The failure of Amplifi is another blow to the banks and other institutions that fund the specialist lenders through asset-backed finance. But the devil, or perhaps in this case the angel, is in the detail. For the two situations have stark differences. We explain why the ABF industry is taking Amplifi's collapse in its stride.Meanwhile, some of the world's most prominent multilateral development bank bond issuers have increased the portion of their funding done through private placements rather than through their core public benchmark bond programmes. We examine what is driving the change.Finally, European banks are issuing more and more ESG-labelled debt. This has often been a way for issuers to save on funding costs by targeting a product with a captive investor base. However, there is little of this so-called greenium to be had. So what is behind the volumes? We reveal all.Now read on:Amplifi collapse unlikely to cause major disruption to ABF marketMDB funding mix changes as callable bond bid from Asia blossomsEuropean banks ramp up green bond sales, unfazed by lack of greenium

This week, Paul and Megan take the pulse of the mortgage market - and look ahead to the Bank of England's next base rate decision on Thursday 30 July.In part one, they unpack why the base rate has held at 3.75% since December, how global events like the conflict in the Middle East and rising oil prices feed through to inflation and your mortgage, and what to expect from the Bank of England's July meeting.In part two, they're joined by returning guest David Lauder from ESPC Mortgages to talk through what's really happening on the ground: where rates sit today, the return of tracker mortgages, how the size of your deposit shapes your rate, straightforward credit score advice, and exactly what to do if you're coming off a fixed deal this year.As always, it's honest, jargon-free and data-driven advice for anyone buying, selling or remortgaging in Scotland.Chapters0:00 Intro & what's coming up1:00 Why we watch the Bank of England1:15 The base rate at 3.75%: cut, hold or hike?1:58 The Middle East conflict & the oil price3:18 Why it all comes back to inflation4:21 The Bank of England's balancing act5:21 What to expect on 30 July5:57 What would push rates up to 4%?7:38 Guest: David Lauder, ESPC Mortgages7:52 Have rates changed this year? Life "in the fours"9:41 Your deposit & loan to value explained10:33 Are lenders still competing? The summer window12:26 Stock levels & sales falling through13:27 Tracker mortgages & the "switch and fix" option15:48 Why a variable rate is the one to avoid17:00 Lender criteria & income multiples17:56 Credit scores: the questions clients ask most19:43 Coming off a fixed rate in 202621:00 Product transfer, remortgaging & starting early23:51 Second steppers, family homes & maternity leave25:03 LBTT, mansion tax & the higher-end market26:55 David's advice: plan ahead28:32 Quickfire round31:25 Speak to a mortgage advisor early31:58 Paul & Megan wrap up34:09 Important informationRead our latest House Price Report and property market news at espc.com. Find an ESPC solicitor estate agent: https://espc.com/find-an-agentImportant informationThe initial consultation with an ESPC Mortgages adviser is free and without obligation. Thereafter, ESPC Mortgages charges for mortgage advice are usually £395 (£345 for first-time buyers). The Financial Conduct Authority does not regulate Buy to Let Mortgages. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOANS SECURED AGAINST IT. ESPC (UK) Ltd is an Appointed Representative of Lyncombe Consultants Ltd which is authorised and regulated by the Financial Conduct Authority. Anything discussed in this episode is for general information only and does not constitute financial advice.

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.

Kokkie Kooyman – Executive director and portfolio manager, Denker Capital SAfm Market Update - Podcasts and live stream

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

As the UAD 3.6 transition approaches, lenders face a unique set of challenges. In this episode, Hal Humphreys sits down with Simon Blackburn, Founder and CEO of MtgeFi, to explore how lenders are preparing for the new reporting standards, expanded data requirements, and operational changes ahead of the November 2nd mandate. Simon shares insights into lender readiness, common roadblocks, and what organizations should be prioritizing now. Plus, he offers a preview of the conversations taking place at Hitting the High Notes, the lender-focused pre-conference session at Valuation Expo.Register and book your rooms for 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. 

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?

STR's Jesper Palmqvist dives into how lender confidence is buoying hotel investment across the Asia-Pacific region, which is seeing record-high development and a wave of refinancing.

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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