Podcasts about lender

Get the Midterm Rental Insurance Blueprint: ⁠https://experimentrealestate.com/#blueprintIn this insightful episode of In The Lab, Ruben welcomes Giang Nguyen, founder of One River Capital, a former scientist turned real estate investor and syndicator. Yan shares her remarkable journey from working in gene therapy at the Children's Hospital of Philadelphia to achieving financial freedom through multifamily real estate. Her story unfolds with precision and strategy—from buying her first $30,000 foreclosure property in cash to scaling into duplexes, five-units, and eventually syndications.Yan breaks down the financial and emotional blueprint behind leaving a W2 job the right way—by doing the math, living below her means, and mastering capital allocation. She reveals how she bought, renovated, and refinanced early properties, often paying in cash before leveraging them to scale. As a mortgage broker and syndicator, Yan dives deep into the mindset and numbers that drive wealth building—covering how to calculate key performance indicators (KPIs), why cash flow matters more than NOI, and how investors can prepare to transition from single-family homes to multifamily investments.This episode is a playbook for anyone looking to build wealth strategically, without hype—only math, milestones, and mastery. Tune in now to learn how Yan's methodical approach can help you engineer your exit from a W2 and design a business that funds your freedom.HIGHLIGHTS OF THE EPISODE:07:35 Giang talks about the push that made her need to grow in multifamily22:21 Giang talks about how syndication performance is measured. KEEPING IT REAL:00:05 – Offense vs. defense01:09 – Scientist to investor06:23 – Choosing freedom over medicine08:58 – First $30K property10:35 – Learning by doing14:04 – Living below one's  means15:57 – Employer match strategy17:00 – No car philosophy18:35 – Comfort in numbers21:01 – Financial blind spots23:33 – Tracking key KPIs25:01 – Distribution vs. NOI30:55 – Cash flow clarity33:37 – Proof of concept35:04 – Multifamily cash flow36:09 – Zoning strategy explained37:26 – Buying “by right”38:05 – Highest and best use40:06 – Transition to 5+ units42:00 – Immigrant lending limits43:40 – Lender risk factors1:41:13 – Power of community  Episode Hashtags: #RealEstateInvesting #FinancialFreedom #Syndication #Multifamily #W2ToWealth #CashFlow #ImmigrantEntrepreneur #WomenInRealEstate #MortgageBroker #OneRiverCapital #InvestSmart #BuildWealth#CapitalRaising #FinancialStrategyCONNECT WITH THE GUESTWebsite: https://onerivercapital.com/Linkedin: https://www.linkedin.com/in/thatsalsainvestor/

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, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Men's Basketball vs Oakland Starts at :53 Everyone said "nice" at the halftime of this game. At first it didn't seem like the results meant much because Oakland looked really bad, but then they went and had a close game against Purdue. How much can you gather about Michigan fromhere? Trey McKenney was 6-8 from three and looked the part. He also had four assists and no turnovers, there were some Darius Morris qualities about him. Do they go with the very big rotation with Yaxel out? Will Tschetter seems to get more minutes when Yaxel is out, would like to see him step up as a four year player. Wake Forest was a bubble team last year and look like one this year, that game will tell us more about Michigan.  2. Previewing Men's Basketball in the Big Ten Starts at 21:31 In reverse Kenpom order Penn State They're bad. Rutgers How is this team even going to score a basket? They have seven teams scheduled in the 200s.  Minnesota Niko Medved's first year at Minnesota, but the roster does not look good. They'll compete with Rutgers and Penn State for the bottom spot. Oregon 35th in the preseason but have fallen considerably after a one point win over Hawaii and a four point win over Rice. They have a transfer from Elon, the Oregon NIL budget must be focusing on football.  Maryland The only Big Ten team with a loss. They shot terribly against Georgetown and were only in it because they scored 30 points off of free throws.  Northwestern They bring back Nick Martinelli, the guy who makes the worst shots you've ever seen (complimentary). They've blown out Mercyhurst and Boston, which would be impressive if it was hockey. Their center looks like Elvis. Washington Very young team starting two freshmen and two sophomores.  Nebrasketball Sam Hoiberg is still playing a majority of minutes, but at least the mustache is gone. They bring in the Icelandic Unicorn.  Iowa Ben McCollum's first year. Tavion Banks looked great at Drake last year but will probably hit a wall against the Big Ten.  Ohio State They beat IU Indianapolis 118-102, eek. They've retained a few players which is a big thing in college basketball now.  Michigan State More continuity and the best win in the Big Ten so far (69-66 over Arkansas). They're very experienced. They were awful at three point shooting a year ago and so far they're at 20% this year. This doesn't seem like a team that's going to win the league by three games but they didn't look like that last year.  Indiana Year one for Darian DeVries. They bring in a lot of new players and we don't know what to expect. This team is loaded with seniors. They're going to do what they do and then go away.  UCLA Mick Cronin is awesome, actually. How can a team starting Xavier Booker at center be? They have shooting but defense and rebounding are big questions. What if Mick Cronin yells at them more? USC Hey it's Terrance Williams. USC is surprisingly putting together a basketball program. Wisconsin They're 18th in Kenpom and looking at the roster doesn't make sense. There's no bench, either.  Purdue They bring back Braden Smith and Trey Kaufman-Renn. Fletcher Loyer is also back. Their 10 point win over Oakland was awkward. Jack Benter is an interesting freshman at guard. You can't second guess Matt Painter but they're missing their classic giant center that they build around.  Illinois This team is huge. They absolutely blew out Jackson State and Florida Gulf Coast. Pronounce Ivisic, or Petrovic, or Stojakovic, or Jakstsys.    3. Hot Takes and Hockey Updates Starts at 1:15:30 Takes hotter than the opposite of Kinnick Stadium, that looked miserable. Michigan split with Wisconsin over the weekend in a return to reality series. But it felt like worse than a split for what got exposed. Michigan couldn't get out of their zone but most teams on the schedule won't be able to replicate what Wisconsin did. Goalie Jack Ivankovic also just had a bad weekend which happens. Friday was such a fun game that was getting ruined by piped in music. They're being told to turn it down. Wisconsin seemed to really get under Michigan's skin and the frustration came out. The Big Ten is one of the best hockey leagues in the world and the league barely broadcasts games.    4. Around the Big Ten with Jamie Mac Starts at 1:45:28 Indiana 27, Penn State 24  Absolutely bonkers ending. The final two catches were amazing. This game raised questions about Indiana's ability to block next-level guys. Mendoza was pressured on 50% of dropbacks. Penn State did start the season with a group of players you would've thought would do that, though. All Penn State quarterbacks are now "The Grunk". Indiana was 2-25 against Penn State coming into this game and this was their first ever win in Happy Valley, the feels are still amazing for Hoosiers fans.  Oregon 18, Iowa 16 Oregon went into Kinnick during a rain storm and got almost the full Iowa experience (except that the safety happened to Iowa). The only stat that matters is that Oregon survived a November night(ish) game in Kinnick, survive and advance in that scenario.  Wisconsin 13, Washington 10 Played in similar conditions as Oregon vs Iowa, except this game sucked! Wisconsin's lead passer was the punter. This was a Big Ten West game and someone had to lose. If this wasn't in a sleet storm then Demond Williams probably gets more than 134 passing yards.  Nebraska 28, UCLA 21 Nebraska QB TJ Lateef goes 13/15 for 205 yards and 3 touchdowns. Dylan Raiola who? This was a very Big Ten game with limited possessions because both teams ran the ball a lot. Nebraska goes through so many running backs but might've finally found a guy. Rutgers 35, Maryland 20 Rutgers' running back Antwan Raymond rushed for 240 yards but Rutgers got outrushed. Maryland had six explosive plays and had a -0.4 EPA outside of those. Rutgers rescued their bowl hopes. USC 38, Northwestern 17 The boxscore is a blowout. USC had a fake punt pass that wasn't even legal. Why did they pull that out against Northwestern? It was close at the time. Ohio State 34, Purdue 10 merp MUSIC: "Feel For Love"—Michigan Rattlers "What's It All Mean"—Philharmonik "Sin Triangle"—Sidney Gish “Across 110th Street”—JJ Johnson and his Orchestra   

On today's show we are talking about negotiating with a lender. We have a loan application in process that has taken much longer to finalize than promised. It often happens that a project has complexity associated with it. The lender puts the data room into underwriting and what comes out the other end often is surprising. Surprises at this stage are usually not good surprises. The terms at closing can differ significantly from the terms offered in the signed term sheet. This is where it is important to ask questions. Why did you reduce the loan amount? Why did you increase the interest rate? Why did you increase the loan interest reserve to such a high level? It's through this process that you can gain an understanding of how the lender is looking at the project. We have a file in front of a lender right now that experienced several misunderstandings. -----------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)  

Clayton Collins acquired HousingWire with a big vision for the small media business. 9 years later, it has come to life.Register for the webinar:Overcoming Risks from a Lender's Perspective -  TODAY! - https://bit.ly/3WxDKAsTopics in Clayton's interview:Hire for your skill gapsFlying around the country to meet investorsAsking for warm introductionsSelling investors on his strategic visionWhat to look for in a media companyDirect relationships with advertisers vs. programmatic adsRebuilding the sales team over and overRiding the wave of the mortgage industryMaintaining the magic of annual eventsSelling print ads differs from selling digital adsReferences and how to contact Clayton:LinkedInHousingWireNathan Gregory on Acquiring Minds: Business-Buyer Fit in a 42-Year-Old Media BizGet a complimentary IT audit of your target business:Email Nick Akers at nick@inzotechnologies.com, and tell him you're a searcherLearn more about Walker Deibel's done-with-you buy-side advisory:The Acquisition LabGet complimentary due diligence on your acquisition's insurance & benefits program:Oberle Risk Strategies - Search Fund TeamConnect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton RohozovProduced by Pam Cameron

From Offer to Closing: Navigating the Home Sale Timeline When buying or selling a home in Massachusetts, timing is everything. From the moment an offer is submitted to the day the keys change hands, there's a complex series of steps that must align perfectly and sometimes those steps are influenced by weather, holidays, or even the timing of other transactions. In a recent episode of Talk Real Estate Roundtable, Sharon McNamara and Melissa Wallace of Boston Connect Real Estate broke down what really happens during the home sale timeline and how agents help clients navigate every turn of the process. The Emotional Rollercoaster of Buying and Selling Once an offer is accepted, excitement quickly gives way to nerves. Buyers start to realize, “This is really happening!” and suddenly, the process feels real inspections, financing, deadlines, and all. Sharon and Melissa note that this emotional shift is completely normal. For sellers, emotions run high too. Whether they're upsizing, downsizing, or handling an estate sale, every transaction carries personal weight. A great agent's role is to keep both sides calm, informed, and focused on the bigger picture. “Part of our job is to guide our clients through the emotions,” Sharon explains. “We've seen it all and that perspective helps everyone stay grounded.” Understanding the Layers of the Timeline The phrase “from offer to closing” might sound simple, but there are actually multiple timelines happening simultaneously. Offer and Acceptance – Once an offer is submitted, it includes an expiration date and offer deadline. Sellers must review and respond within that window. Home Inspection Period – Buyers usually have a short timeframe (often 5–7 days) to schedule and complete inspections. Purchase & Sale Agreement (P&S) – This formal contract typically follows the inspection phase and lays out the firm terms, dates, and contingencies. Appraisal & Financing – If financing is involved, this step is crucial. Lender delays or missed deadlines can push back the closing. Commitment & Closing Prep – Once financing is secured, attorneys and agents coordinate title work, smoke inspections, and final walkthroughs. Each stage has its own deadlines and missing one could jeopardize the transaction. The Listing Agent's Balancing Act For sellers' agents, managing the timeline is a true art form. Sharon emphasizes the importance of monitoring every date and understanding how one delay can create a domino effect, especially when the buyer is also selling a home. “You're often lining up two closings,” Sharon says. “It takes careful coordination to make sure your clients aren't left homeless or losing a deposit.” When a sale is contingent on another property selling, clear communication and tight timelines become critical. Agents often add date-specific contingencies to protect both sides ensuring no one's left in limbo. Offer Deadlines and Market Dynamics Offer deadlines have become a common strategy in Massachusetts' competitive market. Sharon explains that while they help organize multiple-offer situations, they can also cause confusion if not handled properly. “We used to set strict offer deadlines, but now I prefer to read the room,” Sharon says. “Sometimes, I let offers roll in and let the seller decide when they feel ready. It keeps flexibility in the process.” Melissa adds that understanding why deals fall apart from financing hiccups to misaligned timelines is one of the best ways for agents to prevent future issues. The Importance of Communication Perhaps the biggest takeaway from this episode is the importance of open, consistent communication. Buyers, sellers, lenders, attorneys, and agents must all stay in sync for the transaction to succeed. “Communication is the glue that holds the deal together,” Melissa notes. “If everyone's on the same page, we can handle almost any curveball.” Weather, Holidays, and Friday Closings Oh My! Sharon and Melissa also reminded listeners that not all delays are financial or emotional. External factors like snowstorms, long weekends, or back-to-back “domino closings” can create unexpected scheduling challenges. Tip from the pros: Try to avoid Friday closings when possible banks and attorneys may close early, and if a wire delay occurs, you could be waiting until Monday to move in. Final Thoughts Buying or selling a home involves far more than signatures and keys it's a careful dance of dates, details, and decisions. With the right guidance, however, it doesn't have to be overwhelming. At Boston Connect Real Estate, our agents take a holistic, hands-on approach to every transaction. From the first showing to closing day, we're here to make sure every move truly feels like a moving experience. Listen to the Full Episode Catch the full discussion with Sharon McNamara and Melissa Wallace on Talk Real Estate Roundtable wherever you stream your podcasts. Need Expert Guidance? Whether you're buying, selling, or just planning your next move, connect with the team at BostonConnect.com or call 781-826-8000 to schedule your consultation.

Dr. Ann Kelley is joined LIVE from Psychotherapy Networker with Dafna Lender, to explore the complex dynamics of parent-child estrangement. Focusing on the emotional and psychological impacts of cutting off family relationships, together they highlight the cultural influences that contribute to these estrangements, the therapeutic perspectives on navigating such situations, and the importance of empathy and boundaries in managing family dynamics. This conversation is about learning to hold both empathy and boundaries - understanding why someone might step away, and how to stay grounded and compassionate in the process. It's an honest look at the heartbreak, the healing, and the hope that can emerge when families face difficult truths. View the full episode shownotes at TherapistUncensored.com/TU284

1 hour and 55 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Purdue Starts at :57 This podcast starts out telepathically but then Brian's intrusive thoughts got telepathed so it had to stop. Dave introduces the Snack of the Week. Would you rather talk about this game or Dunkaroos? Bryce Underwood - not good in the first half. A fumble on the sideline is usually harmless unless it involves the silliest rule in football. His scrambling was good but you can't build a business in this industry by scrambling, that will get you killed against Ohio State. Too many missed passes, he doesn't really settle in. By the Georgia game, JJ was probably where Bryce is now - many mistakes but you can see the talent. On the flip side, the offensive line had a great game. Purdue loaded the box but Jordan Marshall rushed for 185 yards anyways. You can't tackle him with just one guy, he will emerge from piles. This is the fourth straight game where Sprague has been incredible. Bryson Kuzdzal had some nice runs on the game-sealing drive. Tight ends were fine, more catches by Zack Marshall. There's not a lot of separation between Marshall and Klein. Semaj had way fewer snaps, Goodwin saw more time. You have six 2nd or 3rd year players on this offensive line that can absolutely play in this conference. The future of the offensive line is bright.  2. Defense vs Purdue Starts at 41:43 How do we even feel about the defensive performance? We've seen Purdue all season be an offense that moves the ball down the field but can't score. That happened but it felt bad. Cam Brandt was too far upfield on a couple big run plays. Why are the good defensive ends not on the field for 70% of the snaps that they should be out for? Why are the starters rotating out so much throughout the game? Assuming he's healthy, do you put Jaishawn Barham at DE or LB against Ohio State? Michigan didn't commit to a position for him and it's hurting his play. Way fewer three defensive tackle sets, yay. If your name is going to be "Michael Jackson" you need to go by "Mike". Jyaire Hill got sealed a couple times but was otherwise fine. The endzone DPI was DPI. Metcalf got sucked in during the touchdown.  3. Hot Takes, Game Theory, and Special Teams Starts at 1:06:04 Takes hotter than the amount of trouble Jason would get into if he did the Hot Takes voice at a golf tournament where he was during recording. Michigan has not been good at Special Teams Things, why are they running kickoffs out of the middle of the endzone? Another punt that Semaj didn't field that gave up 20 yards. Did Jay Harbaugh have a heat map for punting? We've never had to talk so much about shield punting positioning but now we have to. Clock management at the end of the first half was pretty on-point. Purdue's 4th down decision making was aggressive which you do if you want to try to win the game. Shout out to Michigan fans for feeding energy back into the team in the 4th quarter. The students did the shirtless thing that's become a college football thing. Also shout out to Barry Odom for getting the Purdue bench fired up.  4. Around the Big Ten with Jamie Mac Starts at 1:28:22 Indiana 55, Maryland 10 This is a typical Indiana game these days. Indiana's offense is a machine. The defense is... also a machine?? Every week, Indiana has some weird defensive stat that's historical and worth tracking. Mendoza threw and interception on his first play, the game was wobbly for about a quarter.  Ohio State 38, Penn State 14 Briefly competitive in the 2nd quarter. Penn State is the first top five team in the history of college football to lose five straight games. Julian Sayin had 14 yards per attempt. Ohio State finally catches a break and gets an obvious targeting call to not get enforced.  Minnesota 23, Michigan State 20 (OT) MSU benches Aidan Chiles for Alessio Milivojevic. The Spartans lose this game despite outgaining Minnesota by about 160 yards. The final two minutes of this game are worth watching. Northwestern QB Aidan Chiles?? Alessio had a better EPA than Chiles any other game this season. USC 21, Nebraska 17 If you like offense, don't look at this game. We are suddenly having feelings about Wink Martindale. Dylan Raiola is done for the season and USC is able to grind out a win. Raiola's backup went 5/7 for 7 yards.  Illinois 35, Rutgers 13 A solid victory for Illinois, most of Rutgers' yards are when it was 35-6. Bert: "I put us as good as any 6-3 team out there. That doesn't mean anything." Bowl eligible in consecutive seasons for the first time since 2011. Illinois is the new Wisconsin.  MUSIC: "On & On"—The Marcus King Band "Husbands"—Geese "Don't Forget That I Love you"—Pale Jay “Across 110th Street”—JJ Johnson and his Orchestra 

Both buyer Jared Lenner and seller Dave Serwitz share their perspectives on the acquisition of a 20-year-old business.Register for the webinars: Investor-Backed Search and SBA: Buy Bigger, Keep Control - TOMORROW! - https://bit.ly/4qABMgnOvercoming Risks from a Lender's Perspective - Thu Nov 6th - https://bit.ly/4qDoJdVTopics in Jared & Dave's interview:Jared buying Dave's tutoring businessDave's motivation to sellChoosing to work with Search Fund AcceleratorTheir agreement to “assume positive intent”Why Dave didn't sell to private equityHow the in-person business survived CovidBookkeeper quit right after transition“Other people's money is scarier than a PG”Competing with AI in the futureHow it feels to sell your companyReferences and how to contact Jared & Dave:Dave Serwitz LinkedInJared Lenner LinkedInGrade Potential TutoringMarc Anderegg on Acquiring Minds: So Much Fun: The Buyer of Choice in a Fragmented IndustryGet a free review of your books & financial ops from System Six (a $500 value):Book a call with Tim or hello@systemsix.com and mention Acquiring MindsDownload the New CEO's Guide to Human Resources from Aspen HR:From this page or contact mark@aspenhr.comWork with an SBA loan team focused exclusively on helping entrepreneurs buy businesses:Pioneer Capital AdvisoryConnect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton RohozovProduced by Pam Cameron

Friend of the program Rob Bodkin joins us once again from the Seattle area to talk about how he moved the needle from doing mostly AMC/lender work to almost 50% lender vs non-lender. One of the ways that he did so was by partnering with appraisermarketinggroup.com SUBSCRIBE: https://dustin-harris.mykajabi.com/newsletters/2147763779/subscribe

No Brian this week The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Grand Gesture THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- 1. Purdue Preview: Offense starts at the top Injured Mockobee, injured, turnover-prone starting QB in a battle with Arkansas transfer. OL gets worse from left to right. Receivers drop more than ours. Tight end was one dude who's hurt and three weirdos. They move the ball with College Crappe: screens, GT Counters, lots of RPOs, and the occasional baller play by Ryan Browne. DO NOT UNDER ANY CIRCUMSTANCES WINK. 2. Purdue Preview: Defense starts at 25:22 That secondary is rough and getting rougher. They have one good lineman, plus maybe a second in Breeon Ishmail. Linebackers came with Odom. Do the Nebraska thing where they give you lots of weird fronts, 3-3-5, 404 Tite, Mint, etc. so they confuse your reads. Going to be fits and starts, need to take advantage of the cracks without Haynes. 3. MSU After Review starts at 45:51 Defensive UFR things: Jimmy Rolder was a star for more reasons than you think. Jyaire Hill took away their main thing. Chiles looks broken, MSU OL look broken, they are down bad. 4. We Solve the Coaching Carousel starts at 1:03:29 Open and soon to be open coaching jobs, person who has to approve, person we would choose. We ship LSU, PSU, Florida, Arkansas, VT, Wisconsin, UCLA, Stanford, MSU, Oregon State, and Oklahoma State, plus Seth has one more because we stole a coach from somewhere. Featured Artist: Grand Gesture (Spotify) We featured Grand Gesture on this show back in 2017 and I rediscovered their album I downloaded (for free) from Bandcamp. Reader Ryan Dembinsky (class of 2000) is one of the guitar players in this NYC band that promises "Protean fjord jam rock." I'd actually characterize it as a great example of the more interesting stuff that came out at the end of the garage rock era (other examples: Apollo Sunshine, Starlight Mints) that I thought was better than the genre that birthed it. Ryan also used to write the Ghosts of Wayne Fontes blog back when MGoBlog was young (2006-2009) and sports blogging was a budding industry. I'm not sure they're still together—the last show on their FB page was pre-pandemic—and even then they were all musicians on the side with full-time jobs. I wonder what would have happened if they took this professional though, because they're pretty good and got some buzz in the NYC music scene around 2017. Songs: Straw in My Sock Computer Love 1,000 Yard Stare Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

Japan's Financial Services Agency on Friday issued a business improvement order to Iwaki Shinkumi, including partial suspension of its operations, after the regional credit cooperative was found to have provided funds to antisocial forces.

Falling rates are bringing new life to the market, giving homebuyers a stronger chance to qualify and negotiate with more confidence. If you've been keeping an eye on the housing market, you've probably noticed that things are finally starting to look a little better for buyers. Rates are easing, sellers are offering incentives again, and affordability is improving. Here's what's happening right now and what these trends could mean for you as a buyer. Interest rates are improving. Over the summer, mortgage rates hovered around 7.25%, but now they're sitting in the mid-6% range. That drop of about three-quarters of a point makes a big difference in monthly payments and overall affordability. Lower rates give more buyers the ability to qualify for financing, and even seeing a “6” instead of a “7” gives many buyers the confidence to start looking again. The fall market is shifting. Homes are spending a bit more time on the market, and we're starting to see price reductions that haven't been common in recent years. Sellers are also offering closing cost credits again. Buyers can use those funds to reduce out-of-pocket expenses or buy down their rate for a lower monthly payment. While the market isn't completely in favor of buyers yet, it's much more balanced than it has been. “Mortgage rates have dropped from the sevens to the mid-sixes, giving buyers more affordability and confidence to reenter the housing market.” Prepare early for the spring season. If you're planning to buy a home in the spring, now is the best time to prepare. Getting pre-approved early allows us to review your credit and finances and identify small changes that can improve your score and help you qualify for a better loan. We use a soft credit pull at this stage, so it doesn't affect your credit score. Taking these steps now helps you enter the spring market in a stronger position and ready to move quickly when the right home appears. What to expect next? No one can predict exactly what will happen with rates or the economy, but current trends suggest gradual improvement as we move into the new year. That means buyers who start preparing now could benefit from better conditions ahead. The coming months are shaping up to bring strong opportunities for buyers who prepare early. With rates improving and sellers offering more flexibility, now is the time to position yourself for success. Whether you're planning to buy your first home or make a move this spring, understanding these trends will help you make confident decisions. If you have any questions, you can call or text me at 952-212-3597 or email me at ChadandSara@edinarealty.com. We'll help you navigate the changing market so you can reach your homeownership goals with confidence.

Bankruptcies appear to be mounting in the subprime auto lending business. This all comes as auto loan delinquencies are rising, and the price of new and used cars stays stubbornly high. Amid all this, the Trump administration is quietly exploring a rollback of federal supervision of subprime auto lenders. Then, could federal law override state law that prevents medical debt from affecting your credit score? Plus, OpenAI goes from non-profit to for-profit.

Bankruptcies appear to be mounting in the subprime auto lending business. This all comes as auto loan delinquencies are rising, and the price of new and used cars stays stubbornly high. Amid all this, the Trump administration is quietly exploring a rollback of federal supervision of subprime auto lenders. Then, could federal law override state law that prevents medical debt from affecting your credit score? Plus, OpenAI goes from non-profit to for-profit.Correction (Oct. 29, 2025): The introduction for the story about Consumer Financial Protection Bureau oversight of auto loan lenders in this episode contained an error that has been corrected. The threshold for which companies the CFPB can investigate involves how many loans those companies originate.

2 hour and 30 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Michigan State Starts at 1:05 They watch games in Craig's garage but to be clear it's a very nice garage. This game means different things based on if you're from Michigan or not. This game is like "Jerry Springer: the Rivalry". Michigan went back to the 2023 "we can just run the ball and get away with a win" gameplan. 'Road Bryce' seems to be a real thing. Every time they show Jonathan Smith he looks like he doesn't want to be there. Should there be an ingrained hatred of Michigan if you're going to be the head coach at Michigan State? Bryce doesn't have a good game but both backs go for over 100 yards. Bryce looked great last week, what happened? Or is this just the case of a true freshman in a road environment again? Sprague and Guarnera had great games, El-Hadi maybe not so much? The pieces for the 2026 offensive line may already be in place. Let's talk about Semaj... We're mostly out on Semaj, do you bench him now for his own good? Jordan Marshall: runs through guys and runs through guys. The Crippen high snap was unfortunate. Can anyone play fullback better than Max Bredeson?  [The rest of the writeup and the player after THE JUMP]  2. Defense vs Michigan State Starts at 59:04 We've been down on Wink but this was a good game for the defense. You can't take much on this based on the performance of the opposition. Chiles was awful in a vacuum, Michigan was not forcing his problems. Hillman had a really good game, he's been given a lot of criticism but this was a chaotically good game. Jimmy Rolder was a little bit of everywhere, he's a playmaker now. Derrick Moore is pretty good, he should start! Everything around the defensive tackle position is fine but we're used to a defense designed around great defensive tackles. Defensive backs should have as equal right to the ball as wide receivers.  3. Hot Takes, Game Theory, and Special Teams Starts at 1:26:57 Takes hotter than the bacteria and/or virus that really got up in Brian's business this week. Glue the hat and pants on, Michigan State's not getting the trophy back. Some of us don't think that guy was off-sides... or was he? The hold on Crippen is not even remotely a hold. If that's a hold then we need to talk about Jaishawn Barham. Why are we accepting a fair catch on the 20?? We are out on J.B. Brown as special teams coordinator. Hollenbeck had a nice game at least. Semaj gets run over by Goodwin?! Should they have taken a shot in the endzone before the end of the half?   4. Around the Big Ten with Jamie Mac Starts at 1:51:10 Rutgers 27, Purdue 24 The Purdue QB catches his own pass and spectacularly hands the game over to Rutgers in dramatic fashion. Rutgers gets yards, not points. Purdue wins a game they probably shouldn't have. This game kind of saved Rutgers' season, they could potentially compete with Penn State for bowl eligibility.  Nebraska 28, Northwestern 21 Northwestern outgains Nebraska and Dylan Raiola was un-inspiring. That said, Raiola was still the better QB. Northwestern always seems to find the worst QB in the portal. Nebraska seems to think they can solve their offensive line problems with the portal but they can't.  Indiana 56, UCLA 6 There was a pick-six a minute into the game and that's all she wrote. Last year Indiana was a fun story, this year THEY'RE SCARY.  Washington 42, Illinois 25 Road Washington is a thing. The worst roughing the passer call we've ever seen is in this game. Could Oregon be a play-in for a playoff spot for Washington??  Oregon 21, Wisconsin 7 Wisconsin doesn't get shut out three games in a row! All things considered, the Wisconsin defense is playing their hearts out.  Iowa 41, Minnesota 3 Iowa had 274 total yards. How do you get 41 points on 274 total yards? It's Iowa. We need a Floyd of Rosedale pose on touchdowns in this game. Playoff Iowa??? No, that's silly.  MUSIC: "Chokkan Way"—Haku "My Girlfriend Doesn't Worry"—Jeffrey Lewis "Nausea"—Jeff Rosenstock “Across 110th Street”—JJ Johnson and his Orchestra   

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Chirp THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- 1. MSU Preview: Offense starts at the top. What have they done to Aidan Chiles? He's dinky this year, and not very accurate as a dinker either. Be careful of his rushes. MSU fans are turning on their coaches already. Offensive line is a shambles of injury. Nick Marsh, enter the dang portal already friend. They're not even throwing to him deep. Sandbagging for this game? Please don't Wink out—they've been running a million screens. 2. MSU Preview: Defense starts at 20:26 Let Bryce cook, we say! A lot of cyans as yards are coming easily. They run both types of switch coverages—weird to see Dantonio's low safeties and press corners against a passing spread (it didn't work). Best thing to do is repeat last week's approach. 3. Washington After Review starts at 43:48 Waiting for Brian to tell us about Bryce and Frazier, but they looked pretty good. Drops were an issue, are an issue. Seth proposes a prospectin' name for Jordan Marshall. Defensively Washington contributed a lot to our scores, but credit Wink or the people who yelled at him for going back to the 2024 Ohio State gameplan. Long discussion on the rotations, especially at DL—Cam Brandt isn't Derrick Moore or a young Derrick Moore and it's unfair to be playing him as such. Also Jordan Young at the end of the 2nd half when you've got a 7-point lead. 3. Hoops and Hockey Check-In starts at 1:15:54 Hockey is undefeated after their best game in years vs WMU, game 2 is tonight and will be intense. Hoops has their 2nd exhibition, hopefully with a frontcourt this time, and this one has all the makings of an elite matchup. Featured Artist: Chirp Chirp is a four-piece band that hops around genres. I don't they've opened for Vulfpeck but they're part of that same progressive rock/funk and jazz-fusion scene. Formed in 2015, Jay Frydenlund, Brian Long, Sam Naples, and Patrick Blommel have been playing concerts and festivals all around the region. I saw them with Joe Hertler (featured here before), and got a notification in my email this week that they'll be at the Pig at the end of November (11/28), so I figured it's a good time to bring them up. I have them on my work playlist, mostly for their covers, but the songs featured are all off their 2022 album. Songs: "By the Book" (video) "Little Friend" "Fast Food Blues"       Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

In this episode, we break down record 60-day auto-loan delinquencies and a subprime lender's bankruptcy to show how cracks at the fringe can ripple into tighter lending, higher costs, and broader economic strain. We also share practical guardrails for taking (or avoiding) car loans and why borrowers, lenders, and local leaders should watch these early warning signs closely.Get the top 40+ AI Models for $20 at AI Box: ⁠⁠https://aibox.ai

Auto Finance Summit 2025 shed light on how auto lenders are responding to challenges facing the wider market, including credit performance, affordability and evolving technologies. Following subprime buy here, pay here lender Tricolor's Sept. 10 Chapter 7 bankruptcy filing, auto asset-backed securities spreads widened, Kayvan Darouian, director of consumer asset-backed securities research at Deutsche Bank, said during an Oct. 15 presentation at the event. Still, Tricolor's challenges do not represent issues facing the wider market, he said. Further, subprime share has “come back in the last 12 months,” and lenders should be competitive in the near prime sector, Scot Hensel, finance director at Kunes Auto Group, said during a fireside chat at the summit. Auto lenders are also leaning into AI and technology to drive efficiencies. GM Financial, for example, is piloting a digital app for dealers to manage their businesses and track information such as deal volume and floorplan balance, President and Chief Executive Susan Sheffield said during a fireside chat. Meanwhile, third-quarter bank earnings so far point to growth in auto originations and improved credit performance. Ally Financial's auto originations rose 24.5% year over year to $11.7 billion, while Wells Fargo Auto's originations soared 114.6% YoY to $8.8 billion. Bank of America's net charge-offs across its direct and indirect consumer portfolio also decreased 1 basis point YoY to 0.2%. Listen as Auto Finance News Editor Amanda Harris and Associate Editor Aidan Bush dive into the top stories from Auto Finance Summit 2025 and highlight key takeaways from third-quarter bank earnings. 

2 hour and 10 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Washington Starts at 1:05 Pay no attention to the background noise from the drag show at Venue. This game was vanilla and we like that. Bryce Underwood had a fabulous day despite losing about 50 yards from drops. There seems to be a big difference between Road Bryce and Home Bryce. Michigan didn't take many deep shots because the short stuff was working great and Washington has tall corners. The remaining road games shouldn't be nearly as threatening as the previous three. The game is over but they have a designed run for Bryce? Jordan Marshall isn't Justice Haynes but he gets a lot of yards after contact. He's still working on re-gapping but overall an excellent first start for him. Jasper Parker looked fine. Under Harbaugh not much changed between offensive coordinators, but with Chip Lindsey a lot has changed already. He was dealing in the first touchdown drive. When's the last time we came out of a game thinking "oh wow they nuked the defensive coordinator?" How do we feel about going for it on 4th down and passing it to Mr. Dropsies? Running it up the middle is probably a 70% conversion, throwing it to Semaj is also a 70% conversion but for different reasons. Evan Link looks to be done for the year. Bryce's first scramble was Frazier getting knocked backwards, he seems fine but doesn't quite have the oomf that Evan Link does. Zack Marshall had a great game, what happened to the starting tight ends? Overall the offensive line was fine.  2. Defense vs Washington Starts at 34:40 The defense only gave up seven points but everyone is still a little mad. Michigan runs a pretty vanilla defense and it works nicely because college quarterbacks are going to make mistakes. Oden did intercept the ball but uhh... it was not because of his performance. Washington shot themselves in the foot but also Jaishawn Barham was much more responsible. Wink is not forgiven but it was nice that this game plan was simplified and it was fine. A lot of defensive tackle rotation but not everybody is a play maker. Is Lou Esposito the one rotating the tackles so much? Maybe part of the chaos on defense is you don't get used to playing next to the same guy every snap. This will not be a -33 RPS day. Jyaire Hill is not getting targeted very much.  3. Hot Takes, Game Theory, and Special Teams Starts at 58:19 Takes hotter than the bangin' drag show going on during the recording of this podcast. Brian apologizes once again for changing "AHHH YOU PUT IT THROUGH THE UPRIGHTS" and disrupting the cosmic balance. Zvada misses another field goal but gets the game sealer. Punting was a 35 yarder and then a rocket. No major complains about Semaj on punt returns except that he hit the spin button at the wrong time. The 4th and 1 drop to Semaj was unfortunate. What about the 4th and 2 on the 6? The whistle blew too early. Max Bredeson's holding call is the worst holding call since that Northwestern holding call. Stadium vibe: some people could actually use their phones! It should not take nine minutes to get a $9 coke, the athletic department doesn't pay close attention to the small things. Apparently concession people at Yost don't get paid but the athletic department can finally install cell phone towers at Michigan Stadium after 11 years under Warde.  4. Around the Big Ten with Jamie Mac Starts at 1:26:57 Iowa 25, Penn State 24 The nicest thing you can say about Penn State is that a lot of big programs are in collapse. Drew Allar's career is over, Ethan Grunkemeyer throws for 93 yards and throws two interceptions. Iowa threw for 68 yards but ran for 245 yards, Iowa should just run the triple option!  UCLA 20, Maryland 17 You gotta respect Maryland's commitment to one Army drive and then not doing a thing after. UCLA looked like the better team all game. This was a Big Ten [wild wild] West game. This is Maryland's third straight heartbreaking loss, they can't finish games with a freshman QB. There's still a path to a bowl.  Indiana 38, Michigan State 13 Shout out to everyone who listened to this on Spartan Radio. Indiana's offense was extremely efficient. Fernando Mendoza was 24/28 for 332 yards and four touchdowns. Indiana football fans were mad that they weren't winning by more. Did Indiana give up enough passing yards to be concerned with playoff implications for the Hoosiers? Northwestern 19, Purdue 0 Northwestern gets one 76 yard scoring drive and that's about all the scoring in this game. Don't let the score fool you into thinking that Northwestern has figured something out.  Notre Dame 34, USC 24 USC takes a 3rd quarter lead followed by Notre Dame getting a kickoff return. Then USC just falls apart in the 4th quarter. This was frustrating to watch as a Michigan fan.  Ohio State 34, Wisconsin 0 134 total yards for Wisconsin and that's generous. Oh god they play Oregon next weekend. Minnesota 24, Nebraska  Dylan Raiola is sacked nine times, that's too many times. Nebraska had just entered the top 25 and has now exited the top 25. A left tackle was ejected for targeting! Shout out to Minnesota fans for really filling the stadium on a Friday night.  Oregon 56, Rutgers 10 14 different Oregon players went for at least 10 yards on a play. Oregon was very upset about their Indiana game. Somehow there wasn't a rutger. Oregon had 233 breakaway yards, Rutgers had 202 total yards.  MUSIC: "Brand New Second Hand"—Peter Tosh "It's Not Easy"—Ofege "Plain as Your Eyes Can See"—Jim Sullivan “Across 110th Street”—JJ Johnson and his Orchestra   

On this week's episode of Next Level CRE, Matt Faircloth interviews Garrett Lynch. They dig into Garrett's early years wholesaling and operating D-class assets, the painful lessons that came with scattered markets and self-management, and how those insights shaped his later success scaling with Nighthawk. Garrett unpacks the COVID boom, the bridge-loan era, and the squeeze from rate hikes, caps, insurance and payroll, then shares pragmatic lender-workout tactics like hard-pay soft-pay structures and reallocating construction budgets. Finally, he explains why he pivoted to become CEO of Clever Investor and how he's bringing multifamily wholesaling and AI-driven education to a broader audience. Garrett LynchCurrent role: CEO, Clever InvestorBased in: Scottsdale, ArizonaSay hi to them at: https://learnfromgarrett.com | YouTube | Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com with code BESTEVER Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at ⁠www.bestevercommunity.com⁠ Podcast production done by ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Rawhide THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- 1. Washington Preview: Offense starts at noon, we hope Massive respect for their skill positions, not so much their offensive line, which means this game will mostly be a test of whether Wink learned anything from last week, or cares to now that he's put his football career on life support. 2. Washington Preview: Defense starts around 12:15 PM Not the offense. D'Anton Lynn is on the Ravens tree but he's not having the same success, mostly because they can't seem to get the defensive line up to size. Devan Thompkins is 290, Jide Abasiri is 295. Edges were highly ranked (Anthony Lucas was a pre-Elston Michigan target) but sophomore Kameryn Crawford isn't panning out like a top-100 is supposed to. They added Portal #25 Keeshawn Silver from Kentucky and a 5-star freshman, but they haven't changed that math, and are getting pushed around. We do still like Kamari Ramsey, who came with Lynn from UCLA and has been playing nickel this year. Cornerbacks are tall. 3. Hoops and Hockey Check-In starts around 12:30 PM Hockey is off to a hot start after a two-game road sweep of Providence, though having to come back against Robert Morris last night put the first little damper on it. Basketball starts tonight with an exhibition against Cincinnati at Crisler that will be our first look at the transfers. Question #1 is how physical will they be up front, because Cincy has a brawler. Will they try three bigs? 4. USC After Review starts around 1:00 PM I had three RPS-3s, two for screens and one for the Power after the 3rd & 26 and TD, which were both Power, when Wink ran an exotic that had no chance against Power. If they can cut out half of their shit and get their best players (read: seniors like TJ Guy) on the field, they should be able to get righted. Offensively it was a better performance than 13 points. There weren't that many drives, and Bryce struggled. His passes might be flat because he's getting sped up (Gardner has been in that position). Marshall missed two big cuts that Haynes makes. OL was okay; El-Hadi's return wasn't great, there were some mistakes from Guarnera, but USC's defense didn't ask Sprague to do too much and he did well, and Link had MAs but wasn't straight-up beat. Brian doesn't blame Bryce for the interception—once the WR wins inside he's going to win the route—but the throw to Marsh could have put him in the endzone if Bryce is feeling confident in his throw. Maybe give him some max pro to Featured Artist: Rawhide (formerly Girl Fight) Last May someone was carrying a tom into Ziggy's with a bumper sticker that read if "If you don't like Motörhead Fuck you" with American and British flags on it. My one friend snapped a photo and sent it to our group for commentary from the guy who founded (and sold) an MGoBlog-sized site about metal music. This thread of college roommates/bandmates/best friends is like 10% Michigan sports, 20% Xennial parent shit, and 70% music shit, meaning music prompts can result in 42-message threads that the college football guy in the middle of writing a college football preview magazine might not get to until he's trying to clear unread notifications many months later. This is how I found I had missed the group discovering a new genre/EP called Michigan Fuzz Punk by Rawhide, a two-piece (Ellen Cope and Jacob Bloom) Michigan band formerly known as Girl Fight. What I know about them comes from this column. The EP is pay what you may ($13.10 is fair). Anyway this is me talking about Michigan Fuzz Punk, which is both an excellent description of the genre and the EP's title. I am a total tourist in this genre so I'll refrain from talking about it like I know shit about shit, except I'm super intrigued to see what this is actually like live since the recordings only hint at it. I'll say the song Reach Me kicks and it's hilarious that "Greta is a Punk" and "Paige's Song" are the same song. Songs: "Stone Cold" "Reach Me" "Clocked In"        Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

Send me a message Most agents send clients to their lenders and never see anything come back in return. That ends today.In this episode, Dustin breaks down exactly how to flip that one-way relationship into a mutually profitable partnership where your lenders also send you business.You'll learn how to set expectations, build collaboration plans, and position yourself as a true business partner - not just another agent who hands over referrals and hopes for some reciprocation.Dustin shares tactical steps for:•Reframing your lender relationships so they're mutually beneficial•Setting clear expectations upfront - MAJOR KEY!•Running co-branded marketing and events together•Asking better questions that deepen the partnership•Giving your lender *a reason* to refer you clients•Following up and communicating like a proIf you're tired of constantly sending deals one way and getting nothing back, this episode shows you how to change that dynamic and start getting more referrals from your lender partners.Mentioned in this episode:The last event I'm speaking at in 2025:

Here are alternative ways to qualify for a mortgage without using tax returns:

In this conversation, Rob Ross discusses various types of loans in the real estate market, including construction loans, bridge loans, and business purpose loans. He emphasizes the importance of client education and building wealth through real estate. The discussion also touches on the challenges faced in the lending industry and the need for continuous adaptation and collaboration among professionals.   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   —--------------------

On this episode of Housekeys, host Cam Villa welcomes lender Katie Logsdon. Katie began her lending journey in 2005 and is currently with Guild Mortgage. She has become especially known for her expertise in divorce lending, working closely with mediators and attorneys. Originally coming to Sacramento State to play softball, Katie's path took unexpected turns, but her strong family ties, years of involvement with BNI in Galt, and commitment to her community in College Greens have kept her grounded. Katie's advice for new Loan Officers is straightforward: join a team to learn and grow. As a dedicated SAR member, she believes in asking for business, building the right relationships, and always taking care of your clients and partners.   Music: Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show  License: https://filmmusic.io/standard-license  All speakers in this podcast do not speak on behalf of the Sacramento Association of REALTORS® nor do they represent the Sacramento Association of REALTORS®. All presenters are speaking on behalf of their own profession.

2 hour 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, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Defense vs USC Starts at 1:00 Seth reads off an ominous message from Brian from earlier last week. USC's success rate was typical of a good offense against a MAC team. This was the dumbest game plan we've ever seen a Michigan defensive coordinator execute. Wink Martindale coaches like he looks down on college and Brian is officially done with him. Is Wink just Charlie Weis?? What happened between The Meeting from last year and this year? Mike McDonald made a lot of the same mistakes in his first four games but he was able to adjust to what was around him, Wink can't change. Would things be better if they fired Wink Martindale and just made Rod Moore the defensive coordinator? His answer to the question "are you spilling or setting the edge" was "it depends on the playcall" which raises a red flag. How much actual player development is being done? They're playing their subs in the first quarter, Brandt had more snaps than Derrick Moore. USC was running a lot of really easy stuff but they may legitimately be one of the best offenses in the country. Why are they subbing so much against such a good offense? His buyout is head coach money to be one of the worst defensive coordinators in the Big Ten. It's not just younger guys making mistakes, it's older guys, too. At some point you gotta think "maybe this is a tunnel screen?" USC had a 66% standard downs success rate.  [The rest of the writeup and the player after THE JUMP]  2. Offense vs USC Starts at 40:07 There was a limited number of drives in part because USC ran the clock a lot. Bryce Underwood just wasn't quite up for it in this one. His deep passes were too flat but he had some good moments too. Denard talked about how in big games we was so amped that he couldn't hit his targets, maybe Bryce is still a little nervous in big games. USC's nickel is nicknamed "the angry giraffe" because he's so tall. Andrew Marsh is getting better rapidly and is becoming the next best option #2, maybe that's why the tight ends got fewer targets. The pieces of a solid offense are there, they're still developing. The tackles weren't getting whipped consistently. Despite the issues, Bryce is developing as expected for a freshman, he has a lot of added pressure when the defense can't stop the opposing offense. Based on limited snaps of Jadyn Davis, maybe you can't run Bryce as much to risk injury. El-Hadi was back and looked fine.  3. Hot Takes, Game Theory, and Special Teams Starts at 1:04:56 Takes hotter than the eternal flame in the Los Angeles Coliseum (which does get put out at the conclusion of the game). The game might've been going a bit fast which caused the false starts. The OPI was a bad call. Michigan drew a holding call!! A lot of extracurriculars went uncalled. Hollenbeck's punting started promising but eventually resulted in a 28 yarder. Do you punt or try for a 60 yard field goal? That two point conversion is apparently the thing you do now? The USC cheerleaders were on the field when Michigan was running a play!  4. Around the Big Ten with Jamie Mac Starts at 128:41 NOTE: This was recorded just before James Franklin was fired. Indiana 30, Oregon 20 This was a defensive masterclass from Indiana. This is how 2023 Michigan would've beaten Oregon. How the hell does Indiana have one of the best defenses in America?? This was really the first game all year where Dante Moore was under pressure and didn't seem to know what to do. Indiana has signs of... a championship winning team?! Penn State 21, Northwestern 22 Drew Allar is out for the season. This wasn't a fluke, Northwestern just outperformed Penn State. Linebacker U has completely fallen apart and Jim Knowles doesn't seem to know how to be aggressive with this roster. Will... Penn State win a Big Ten game?? James Franklin was fired immediately after this recording so there's still speculation on what to do with this situation. The situation at Penn State just seems toxic all around.  UCLA 38, Michigan State 13 Michigan State scores on their first drive and then that's all, folks. October UCLA is the opposite of October Maryland. Michigan State can't move on from John Smith for stability reasons... can they? What do the Spartans do well? What Big Ten teams would swap their QB with Aidan Chiles? Nebraska 34, Maryland 31 Nebraska had control of this game down-to-down but Dylan Raiola threw three interceptions. October Maryland can't get out of their way again. Raiola isn't quite there yet but has a shot at it next year.  Ohio State 34, Illinois 16 Ohio State was never really threatened. Illinois outgains Ohio State 295 to 275 but three of Ohio State's first four drives started in Illinois territory.  Iowa 37, Wisconsin 0 Sim to basketball season. This wasn't even an Iowa offensive explosion, Wisconsin threw two interceptions and lost a fumble. You can't fire Fickell but you also can't afford not to? Washington 38, Rutgers 19 A fun first half but Washington blows the doors open in the second half. Total yards were 590 to 493. Rutgers is 0-3 in the Big Ten but had a halftime lead in each of those games.  Purdue 20, Minnesota 27 Minnesota is outrushed 253 to 30 rushing yards but Purdue throws three interceptions and loses a fumble. If you rewatch this game, we will have to call 911. MUSIC: "Au Pays do Cocaine"—Geese "See You Again"—Tyler the Creator "Havin' or Not"—LaRussell and Lil Jon “Across 110th Street”—JJ Johnson and his Orchestra   

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Syd Burnham THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- 1. USC Preview: Offense starts at the top Maiva is getting 12 YPA vs blitzes, so maybe don't Wink so much in this game. They're using a lot more 12 personnel and splitbacks this year as well so it's not just your standard Lincoln Riley spread. It's still Lincoln Riley though, and it's been murder on a mostly bad offense. A big reason is the All-American slot/flanker Makai Lemon. There aren't as many outside guys as last year but they kept their two favorites; Ja'Kobi Lane is back and huge, but freshman Tanook Hines is getting most of the snaps at the other side. You do have to be wary of tight end Lake McRee and JUCO RB Waymond Jordan. OL might be better than they were against Illinois, when they had some significant injuries; we expect LT Elijah Paige to be back but not center Killian O'Connor, so they'll have to play 7th year senior J'Onre Reed. 2. USC Preview: Defense starts at 19:15 Not the offense. D'Anton Lynn is on the Ravens tree but he's not having the same success, mostly because they can't seem to get the defensive line up to size. Devan Thompkins is 290, Jide Abasiri is 295. Edges were highly ranked (Anthony Lucas was a pre-Elston Michigan target) but sophomore Kameryn Crawford isn't panning out like a top-100 is supposed to. They added Portal #25 Keeshawn Silver from Kentucky and a 5-star freshman, but they haven't changed that math, and are getting pushed around. We do still like Kamari Ramsey, who came with Lynn from UCLA and has been playing nickel this year. Cornerbacks are tall. 3. Wisconsin After Review starts at 36:56 Underwood is coming along, the RBs are elite, and Andrew Marsh is happening. Still have McCulley the #1 with a bullet, and it's nice to see they're giving him leapy chances now. Not sure where PFF (and Sam apparently) are getting the bad pass protection grades for the tackles, because we thought they were fine. The young OL have mistakes but they fix them, and they all have the talent. Fire blitzes were the order of the day. Weird seeing this defense spill but that's what they do sometimes I guess. Rod Moore's return was a bigger deal than you think. Seth's not as mad at Wink as you think.  4. Around the Big Ten starts at 52:45 There are some pretty big games this weekend (and that's more interesting than hockey vs Mercyhurst) so we previewed each of them. Indiana at Oregon: "…is a top-ten matchup" means Okay grandpa let's get you back to a home. Oregon by 7. If IU's OL is legit they can win and if they can beat Oregon there's no ceiling on this team. I can't believe in Indiana! Ohio State at Illinois: They'll lean. UCLA at Michigan State: What's funnier: MSU losing at home to UCLA or UCLA immediately losing by like 60 after beating Penn State? MSU fans are already saying Jonathan Smith doesn't have That Dawg in him. He seems like a normal human being, not an angry little dwarf. Nebraska at Maryland: Interesting game with what happened with Maryland last week. They are throwing many screens. Rutgers at Washington: Expect a high-scoring game. Would like this game on the opposite coast but Rutgers's offense is hit or miss and three time zones suggests miss. Northwestern at Penn State: PSU fans are already salty after the Eagles and Gavin McKenna/PSU hockey just lost to Clarkston. If you have one punt there could be a riot; OTOH Penn State fans respect Northwestern's big win over a tough UCLA team. Iowa at Wisconsin: euugh. Special teams malfeasance by Wisconsin will ruin them. Purdue at Minnesota: Vaguely watchable? Featured Artist: Marcus: Syd Burnham Okay reader who keeps asking: this is when I'll do Syd Burnham (now Osten; she got married this summer, but kept the performing name). Syd is an indie rock musician and graphic designer from Detroit who mixes a bunch of genres (jazz, singer-songwriter, etc.) to come up with a unique sound. She made an impact with her debut EP "The Yellow Album," at the age of 16, followed by her album "Timeline" at 19. She has since released hit singles like "Summertime," "4 A Grl," "Milky," and "By Then" but her live performances are what carved out a dedicated audience in the Detroit music scene. Syd goes up there with just a guitar and her voice but has a magnetic stage presence who incorporates her modern art into the music, and incorporates local themes into the artwork. Links: IG, YT, FB, Spotify. Songs: "A GRL" "Best Friend" "By Then"        Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

What would change if you stopped chasing one off flips and rebuilt a real business that runs without you? In this episode of the Real Estate Excellence Podcast, Tracy Hayes sits down with Tiffany High. Tiffany lays out how she left a demanding corporate path to be present for family, stumbled into flipping, then scaled from 40 flips in year one to a virtual operation closing 20 plus deals a month. The turning point was tearing everything down in 90 days and rebuilding with systems, training, and leadership so the company could run without constant firefighting. She explains why newbies should start with wholesaling, how to use licensed inspections plus a GC to scope work, and why leverage and team building beat solo grind. The theme is simple. Real estate is copy and paste when you install infrastructure and remove limiting beliefs. If you are ready to replace hustle with a system, check out the four week Real Estate Business Accelerator and grab a seat at the Columbus workshop. Start implementing one channel, one closer, one scorecard today.   Highlights: 00:00 - 09:59 Origin story and first flips ·        Leaving corporate to support family ·        Discovering flipping and investing in education ·        First 40 flips as a one person show ·        Early mistakes without CRM or lists ·        Why wholesaling should have come first 10:00 - 19:59 From grind to systems ·        Hiring a GC before subs ·        Virtual acquisitions and scope of work flow ·        Inspector plus GC on site together ·        Cosmetic rehabs over gut jobs ·        Median price focus for multiple exits 20:00 - 29:59 Rebuilding the business ·        Year two crash and 90 days reset ·        Installing onboarding training tracking ·        Each closer worth eight deals a month ·        Leadership and removing limiting beliefs ·        Option freedom through leverage 30:00 - 39:59 Marketing and deal flow ·        Diversified channels inbound and outbound ·        Partnering with a realtor team for listings ·        San Diego success case million-dollar month ·        Define success then reverse engineer 40:00 - 49:59 Money and risk management ·        Private lenders and double-digit returns ·        Deals versus business capital ·        Why real estate beats stocks for control ·        Lender package inspections comps photos ·        Only funding deals you would take over 50:00 - 01:00:53 Wholesaling first and next steps ·        What wholesaling is and why to begin there ·        Contract timelines 30 day close 21-day inspection ·        Dispo in under three weeks with buyers list ·        Workshops plus four-week accelerator outline ·        Tactical podcast for ongoing execution   Quotes: “Flipping a house is not a unique thing. It is a copy and paste system.” – Tiffany High “We rebuilt every aspect in less than 90 days and did 300 deals after that.” – Tiffany High “We lock everything up virtually over the phone through an acquisitions process.” – Tiffany High “Success is you define it. Our job is to get you to where you want to go.” – Tiffany High   To contact Tiffany High, learn more about her business, and make her a part of your network, make sure to follow her on her Website, Instagram, Facebook, YouTube, LinkedIn, and Podcast.   Connect with Tiffany High! Website: https://resultsdrivenrei.com/ Instagram: https://www.instagram.com/tiffanyhighofficial/ Facebook: https://www.facebook.com/officialtiffanyhigh  YouTube: http://www.youtube.com/@resultsdriven-rei Podcast: https://www.theresultsdrivenpodcast.com/   Connect with me! Website: toprealtorjacksonville.com   Website: toprealtorstaugustine.com    SUBSCRIBE & LEAVE A 5-STAR REVIEW as we discuss real estate excellence with the best of the best.   #RealEstateExcellence #TiffanyHigh #RealEstateInvesting #WholesalingHouses #HouseFlipping #VirtualFlipping #Acquisitions #Dispositions #PrivateLending #RealEstateSystems #KPI #CRM #DealFlow #MarketingChannels #GC #HomeInspection #MindsetShift #Leadership #OptionFreedom #ResultsDriven #ColumbusRealEstate #SanDiegoRealEstate

Matthew Brickman sits down with Ryan D. Brown to discuss how to protect your property and home in both marriage and divorce—and what you need to know before stepping up to the altar. Ryan D. Brown is the Branch Manager / Mortgage Loan Originator/ Divisional Vice President of the Palm Beach Gardens and Stuart locations of Cross Country Mortgage. For the last 5 years in a row The Ryan Brown Team won BEST LENDER in Palm Beach County by The Palm Beach Post and won the BEST LENDER in the Treasure Coast for 2025! -------------------------------------------------------------------------- 

Most people think they need to bring a big chunk of their own cash to the table to fund a flip or buy a rental.It's just not true.There are lenders out there who will cover 100% of the purchase + rehab, but only if you know how to qualify.Jessica Reynolds from American Heritage Lending helps investors get fully funded every day. She knows exactly what lenders are looking for and how to set yourself up to qualify, even if you've struggled with funding in the past.The difference? Take a look.American Heritage Lending has been doing this for 25+ years. Family-owned. In-house team. 10-14-day closings. Millions funded for 7 Figure Flipping members.If you're sitting on the sidelines because you think you need more money…These terms are available exclusively to 7 Figure Flipping members. Get Pre-Approved for 100% LTC Funding Through the 7 Figure Flipping Partner Program >>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://hubs.ly/Q01ggDLL0 7 Figure Real Estate Ready RoomUse this proven blueprint to launch and grow your real estate investing business. Step-by-step video course takes you through everything you need to know… and we'll jump on WEEKLY workshops to break down each step with you LIVE! Think of it like getting a master's degree in tactical real estate investing for a fraction of the cost. CLICK HERE: https://7figureflipping.com/ready Connect with us on Facebook and Instagram: @7figureflipping Hosted on Acast. See acast.com/privacy for more information.

2 hour and 18 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Wisconsin Starts at 1:00 Are Michigan fans turning beet red or was it just hot? This game looks better on rewatch and followed the preview fairly closely. Bryce Underwood took a leap forward in this game, he has the occasional accuracy issue and isn't testing the middle of the field, but he's starting to hit guys downfield. Andrew Marsh and Donaven McCulley also took a huge lea. This is encouraging considering Goodwin was barely targeted, Semaj has been having catching issues, and Frederick Moore is off the team. You can rotate most positions but not the wide receivers. Russel Bellamy has been getting unfairly judged for the receivers. Wisconsin has a very good rush defense and Michigan put up pretty good numbers. Underwood needs to get the ball out a little quicker. Sprague will grade out negatively but he generally does it well when he knows the right assignment. The offensive line is young, they need some time to get better. Lindsey plays off the screen game really well. Has Michigan gotten a holding call all year on defense? [The rest of the writeup and the player after THE JUMP]  2. Defense vs Wisconsin Starts at 39:33 10 points from the opposition but three came from a sad field goal. They barely got to 200 yards of offense until "kill the clock mode". Rod Moore being back instantly makes this defense much better. Don't rotate him and just keep him on the field all game? Zeke Berry is back from injury, he missed a tackle but was otherwise fine. This defense seems like they miss a lot of tackles but we're comparing it to the best defense in recent school history. Jimmy Rolder was in his element, one time he almost picked up a fullback and threw him. Michigan goes cover zero in a situation that makes no sense. Everyone in the stands keeps turning towards Seth when this happens. Brandyn Hillman is reckless which is helpful sometimes, sometimes it hurts you. Please don't be weird against USC. 3. Hot Takes, Game Theory, and Special Teams Starts at 1:05:20 Takes hotter than Michigan Stadium this Saturday. Michigan missed a 27 yard field goal, was it the hold? They did (just barely) block a punt and almost blocked a second one. Hollenbeck was blasting them in this game. What is up with Semaj's punt returns? Is he being told not to take any chances? Should you run a QB sneak on 4th and inches near your own red zone? Luke Fickell is Brady Hoke. They weren't trying to win the game in the 4th quarter, you can't have a six minute field goal drive in this situation. Seth is about to start charting an umpire's spatial awareness. 4. Around the Big Ten with Jamie Mac Starts at 1:34:02 UCLA 42, Penn State 37 UCLA has been awful all season but they looked like the #7 team in the country in Pasadena. James Franklin partially blamed the travel. Coming into this weekend, UCLA never led in any of their four games. In this game they never trailed. Tim Skipper has as many wins over top 10 teams as James Franklin. Penn State was a playoff team but now they have to beat Ohio State to have a chance, Was this the biggest Big Ten upset ever?  Nebraska 38, Michigan State 27 In most weeks this would be the funniest game of the week. Michigan State ran for 2.3 YPC and Chiles threw two interception into Nebraska chests. Their backup looked pretty good so is there a QB controversy?  Washington 24, Maryland 20 Maryland took a 20-0 lead but road Washington dominated October Maryland. Washington is still without their best defensive end, linebacker, and defensive back. Mike Locksley is 0-10 coming out of bye weeks.  Illinois 43, Purdue 27 The Purdue offense is actually functional. Each QB threw for over 300 yards.  Northwestern 42, ULM 7 One day we'll have something to say about Northwestern, but not today. Ohio State 42, Minnesota 3 They let Julian Sayin cook. MUSIC: "Cobra"—Geese "God's Country"—Thomas Dollbaum "How To Kill Houseplants"—Spacey Jane “Across 110th Street”—JJ Johnson and his Orchestra   

David Mannion, founder of Haven Growth Advisors, brings over 23 years of real estate experience ranging from institutional investing to private development. On this episode, he discusses how his firm provides much-needed liquidity to sponsors, developers, and investors at a time when capital is difficult to access. Based in Phoenix but with national relationships, David and his partners not only lend but also co-invest in projects, bridging financing gaps and fueling growth in markets with strong job and population growth. His projects span boutique hospitality, infill multifamily, mixed-use developments, and even a private airplane hangar. Above all, David emphasizes the power of relationships, adaptability, and technology—especially AI—in scaling a real estate business."   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   —--------------------

In this episode of The Smart Property Investment Show, host Phil Tarrant is joined by Eva Loisance from Finni Mortgages to discuss how shifting lender strategies and policies are creating opportunities for both self-employed and conventional property investors. Eva highlights that lenders are increasingly offering lower fixed and variable rates outside of the Reserve Bank of Australia's cycle to attract and retain customers, creating opportunities for borrowers to negotiate better terms. Fixed-rate mortgages, while attractive, require careful consideration, with strategic timing essential for switching between fixed and variable options. Innovations in the SMSF lending space, including 90 per cent loans without lender's mortgage insurance, reflect a competitive environment benefiting borrowers, particularly those with limited superannuation funds. Eva points out that changes in serviceability assessments, such as using rolling 12-month bonus averages and simplified borrowing criteria for self-employed individuals, have expanded access to finance. Additionally, the co-host expects the government's First Home Guarantee scheme to drive demand for properties within its price caps, raising concerns about potential price inflation and affordability challenges for future buyers. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Marcus: The Apex Predator THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- 1. Wisconsin Preview: Offense starts around noon. Hiring Phil Longo was one of those WTF decisions that destroyed what remained of Wisconsin's identity. Without one they're just a Big Ten team, even if they did hire Jeff Grives to run the old Wisconsin offense. Billy Edwards is hurt—one drive against Maryland showed he couldn't go—so they're playing Danny O'Neil, the SDSU transfer who's basically Nick Sheridan. OL is a mess, with Riley Mahlman coming in under expectations, Ryan Cory hurt, and RS freshmen starting at three positions. Not impressed with their skill position players either. Need to get pressure with four—blitzing them just allows them to dink it. 2. Wisconsin Preview: Defense starts around 12:15 Mike Tressel was the LBs coach under Dantonio and runs something akin to Dantonio Quarters, though his guys can't run it well. They do have a decent front four, with two good DTs protected by heavy LBs Christian Alliegro and Tackett Curtis (not good). But those guys can't cover, and you can run by Matthew Jung, the SS who adds himself to the run, and their corners are just guys. Want to see Bryce rip these guys apart. 3. Jason Sklar Around Ann Arbor starts around 12:35 The Sklar Brothers are hosting the Letterwinners homecoming event tonight and doing two shows at the Ann Arbor Comedy Showcase tomorrow night, where you can come up afterwards and give your Hot Takes. We just shoot the shit on Ann Arbor and talk about what comedians get offered to sell out to the Saudis. 4. 2025-26 Hockey Preview starts around 12:50 They have plenty of blueliners—perhaps too many—but not enough forwards. Got more of a mix in the top lines in age, but they're also a lot shorter. Plenty of centers, need TJ Hughes and Michael Hage to continue scoring at a high pace while they bring along some freshmen. Expect Cole McKinney to center a scoring line immediately. One of them (Hughes or Hage) gets Horcoff on the wing after half a young season with him last year. He's one of the best passers and we expect his line to be the top scoring one. Defensively they have depth! And a top four! But there's going be a lot of questions about playing time for the six guys vying to be the third pairing, including a senior captain, two guys who returned that didn't have to, and two freshmen who came to play. As for the backstop, they've got a draft pick freshman again, but he's not Portillo-sized. Featured Artist: Marcus: The Apex Predator The last time we featured reader Kevin Watts's postcore band on this show was right before the last time Wisconsin played before fans at Michigan Stadium. Shea Patterson kept on an arc read deep in Michigan territory to break the game open, and Michigan played Jump Around in the 4th quarter. It's been seven years, but Marcus has a new EP for us. Kevin formed Marcus: the Apex Predator in 2015 with his former drummer from Float Here Forever, Nick Marko. For FHF fans, this is like when Jonah started One Line Drawing to keep making Far songs, except Nick Marko is a drummer whereas Jonah's percussionist was an R2D2 unit. Marcus is a cat. Songs: "Lo-Fi"    "The First Summer"    "Newborn Fossil    Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

What It's Really Like to Be an Institutional Lender – Jack BeVier Reveals All - #301 Ever wonder what goes on behind the scenes in institutional lending? In this episode of the Private Lenders Podcast, we sit down with Jack BeVier, principal of Dominion Financial & Dominion Properties, to uncover the real workings of private and institutional lending. From bridge loans and DSCR loans to risk management, loan buybacks, and navigating fraud and defaults, Jack shares the insider perspective that most lenders don't talk about on LinkedIn. Learn how Dominion Financial grew from a small Maryland-based lender into a national player doing $90M/month in loan volume, how they handle rehab loans and DSCR products, and what it really takes to compete with larger institutional lenders while managing risk effectively. Topics Covered: The evolution of Dominion Financial from 2002 to today Real-life lessons from handling defaults, early payment issues, and fraud DSCR loans vs. rehab/bridge loans: what you need to know How institutional lenders manage risk, capital, and loan buybacks Direct-to-borrower origination strategies and scaling operations Insider insight on loan underwriting, appraisals, and market dynamics Serving smaller private lenders and leveraging liquidity Whether you're a private lender, real estate investor, or aspiring institutional borrower, this episode gives you a rare inside look at the mechanics, challenges, and strategies of institutional lending. ✅ 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  

In this episode, we speak with Jeff Chapman, Head of Growth Lending at Wellington Management, a global investment firm with over $1.2 trillion in assets under management. Founded in 1928 and headquartered in Boston, Wellington offers a broad platform spanning public equities, fixed income, private credit, alternatives, and multi-asset solutions. Within that, the firm manages more than $400 billion in fixed income and credit strategies, making it one of the world's largest investors in the space. Jeff leads Wellington's growth lending strategy, partnering with portfolio managers, venture capital investors, and the firm's global research platform to back innovative companies. He also plays a key role in developing investment talent and shaping the next generation of leaders within the firm. I am your host, RJ Lumba. We hope you enjoy the show. If you like the episode, click to follow.

In this episode, I sit down with Dustin Grenier, VP of Mortgage Lending at Epic Mortgage, to break down today's interest rate environment, explain what's behind the recent swings, and share tactical guidance for both buyers and homeowners considering refinancing.✨ Key Takeaways: 

aka The 2025-26 Men's Basketball Preview, Part 1 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, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. The Backcourt Starts at 1:00 Out: Tre Donaldson, In: Elliot Cadeau, who is a much better creator, and that's what this team needs. Cadeau and the general UNC'ness of North Carolina are hard to separate but he was a five-star who plays hot and should benefit from not having to fight for usage with RJ Davis. Defensively his size puts a cap on what he can do but he gets after it: more Xavier Simpson than Eli Brooks. LJ Cason is the backup point, we guess, though he may defer to Gayle as the on-ball player in those sets just because Cason is more of an off-ball threat than Roddy. Cason was a three-star because he was coming in unready, but could take that huge jump. This year is the freshman Jordan Poole year, not the sophomore Jordan Poole year, IE frustratingly forgivable. Gayle isn't going to shoot 9% in the Big Ten again, but he's what he is at this point: a guy who can get to the rim and create fouls/hit his free throws. We kinda want him coming off the bench since he can fill in for a lot of what any given starter leaves, but isn't a great fit with the other projected starting four. The other wild card is their new five-star. Trey McKenney lost 20 pounds in the offseason so he might not as much of a burly 2/3 as he seemed at OLSM. He's still Gayle at this point in his career, though with some big point upside. Not a one-and-done but should be ready by Tournament time. [The rest of the writeup and the player after THE JUMP]  2. Hot Takes, Wings and Frontcourt Starts at 32:15 Starting at the three again will be Nimari Burnett, who is Nimari: a usage soak who is there to end good possessions not start them. He began to show a bit of creation late last season but that only got him from 90% points assisted to 84%. He is very good at what he does, and unlikely to do more. His backups are extra guards, and Winters Grady, who should be Just a Shooter at this stage, and more down the road. Oscar Goodman arrived midseason last year, but he's supposed to need another year of development. Patrick Liburd is the kind of guy we wish was 2 years older right now. At the four is Yaxel Lendeborg, the #1 player in the portal, who is going to be a cross between Danny Wolf and Johni Broome, though not better than either of them. He is very strong and impossible to stop once he has you off your feet, but he's coming from an offense where he had to be the alpha creator every play and he's better as the second option. Can he guard up to three? Probably in the Big Ten; there was some distance at the Combine between him and Wolf in the agility drills, but Yaxel came out like Johni: agile enough to be among the who can play the four in the NBA. Backup to Yax is Will Tschetter, the rarest bird in college basketball these days as a five-year player who stuck around despite the likelihood of less playing time than last year. They were working on making him a shooter on the move. He has to be hidden away defensively, but this lineup has plenty of defenders to do that. Frontcourt is two guys instead of 1.5 now. We are obsessed with the upside of Aday Mara, who is 7'3" with impossible length. He would have had the highest block rate in the country by some distance if he played enough to qualify; he didn't because he got sick (Mono?) but when he returned they had him playing 21 mpg and UCLA got much, much better. Then he got benched. Sometimes he plays soft—was that a sick thing, a Cronin thing? He's also got a soft touch and a good feel for passing. May be as good as Yaxel if he hits his ceiling. Mara's platoonmate, and the probable "starter," is Morez Johnson from Illinois, a crazy rebounder with great ups and shot-blocking ability. Offensively he's a finisher. Defensively there's some hope he can be switchable. Going to make it very hard to go inside and give Michigan an edge from the five that they haven't had since...? 3. How It All Fits Starts at 1:11:34 Can they play the bigs together? Matt D says the NBA is going back to three forwards, and Michigan's best attribute is they're Old North Carolina, where they're just going to out-size everybody. That's doable if they can get Mara to be the player we think he could be, since he can create and so can Yaxel, and you can get away with blow-bys when you have a guy like Mara who blocks shots without leaving the floor. Speaking of floor, this team at worst looks like a four-seed, with considerable upside if a) Mara can play more and maintain his numbers, b) Cadeau cuts down on turnovers, c) Gayle finds his shooting, d) Cason blows up, or e) McKenney blows up. Think they can cut down on turnovers from last year because Wolf just had a bunch that were unforced, and because instead of forcing everything to the rim they can shoot bad twos and rebound them. They also just have more room to pass to. 4. Around the Big Ten with Jamie Mac Starts at 2:02:19 Oregon 30, Penn State 24 Penn State could do nothing on offense until the 4th Q when they had went on an Oregon-is-exhausted march, then hit a great PA shot. The INT that ended it was that pyramid formation Lanning loves. Frames punted from the plus-36.  Ohio State 24, Washington 6 Went about how you might expect a team whose OL/DL are their issues would go against OSU, IE they got six points out of three red zone trips and then it was 17-6 in the 4th Q and they had to go for it on 4th down. OSU did a great job containing the QB run. Indiana 20, Iowa 15 I know that touchdown; that's the Anthony Carter play!  Iowa had chances to win this but lost their QB near the end and also went Cover Zero one too many times.  USC 32, Illinois 34 This felt like two good teams going at it, though USC was short on guys in the secondary and played bend-don't-break until they either broke or Illinois pulled out a Philly Special. Coulda been a blowout but Illinois fumbled in the endzone twice. Minnesota 31, Rutgers 28 Rutgers hits their program high when they have to play a Big Ten West schedule. Good solid quarterbacking until Athan Kaliakmanis had to face pressure, which is like Pedro Serrano trying to hit a curve. Northwestern 17, UCLA 14 Down 17-0 to Northwestern was probably UCLA's best shot at winning a Big Ten game this year. MUSIC: "Surefire"—Wilderado    "See You Again"—Tyler the Creator "I Believe She's Lying"—Jon Brion “Across 110th Street”—JJ Johnson and his Orchestra   

The recent collapse of Tricolor Holdings, a subprime auto lender in Texas, has left a trail of losses and questions from Wall Street to low-income immigrant communities throughout the American south-west. The FT's US banking correspondent Akila Quinio, and Amelia Pollard, US investment correspondent, explain what they've found.Clip from Fifth Third- - - - - - - - - - - - - - - - - - - - - - - - - - For further reading:Tricolor collapse sparks concern about health of US subprime auto sectorDebt linked to collapsed subprime auto lender Tricolor tumblesJPMorgan and Fifth Third face losses tied to collapsed subprime car lender- - - - - - - - - - - - - - - - - - - - - - - - - - Follow Amelia Pollard on X (@ameliajpollard) and Bluesky (@pollard.bsky.social) and Akila Quinio on X (@akilazoe). Michela Tindera is on X (@mtindera07) and Bluesky (@mtindera.ft.com), or follow her on LinkedIn for updates about the show and more.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

In this episode of the Investor Fuel podcast, host Michelle Kesil speaks with Raamie Ibrahim, principal of D&T Consulting Corp, about the intricacies of investing and funding. Raamie shares his extensive experience in banking and how it informs his approach to helping investors navigate the complex landscape of funding options. The conversation covers the importance of understanding risk, strategic planning, and the need for ongoing evaluation of investments. Raamie emphasizes the significance of building strong relationships between investors and lenders to ensure successful outcomes.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

2 hour and 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, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Nebraska Starts at 1:00 Is yogurt, honey, and granola a snack? Dave Nastersnacks will give us the answer. Oklahoma was a 24-13 loss but it felt worst than that, this was 30-27 win but it felt better than that (but also worse!). The domination on both lines was more notable than some of the silly, bad things that happened. Between Oklahoma and Nebraska, Michigan hasn't had a complete touchdown drive (but this game had an 8 minute drive to go up by 10). Caveats aside, we're on the verge of saying Greg Crippen is good after he blocked three guys on one play. Running stretch is hard and they're running it quite well. McCulley had a great game but was to blame on Semaj's throw being incomplete. Zero drops otherwise and ran guys over. Everyone else? Not so great. Gotta catch the ball on a slant, get used to passes from Underwood. Should they throw it to Peyton O'Leary? The running backs sure toughened up in this one. Max Bredeson blocks everyone like they're Caleb Downs in the Rose Bowl. Not many Bryce critiques. Catch the ball. Guarnera is just not making mistakes. What's the next good defensive line that Michigan will play, Ohio State? Michigan consistently got a play in, saw the look of the defense, and got a new play in.  2. Defense vs Nebraska Starts at 46:58 Time for a Wink Martindale argument? He doesn't need to do anything fancy. Just run the Iowa defense, you're not going up against an NFL offense. Brandyn Hillman is being asked to do things outside of his base job. 27 points, seven are on Biff, seven are on Hillman taunting, three are on Mangham missing a sack. Otherwise it was pretty good? Raiola was getting sacked every other play. Too many safeties missing sacks. Complaining aside, they got to the quarterback a lot and tackled well. Sanders has been playing a lot and there haven't really been any negative feelings about him. Wink would be a better poker player than Mike Debord but not as good as Jesse Minter. This game felt like Trey Pierce arrived. Cole Sullivan has absolutely emerged, he's little bit of everywhere and has freaky long arms. Defensive backs played well. The Shamari Earls PI was a bit weak. Brandyn Hillman needs to grow up, that was the most obvious personal foul in a minute. Brian usually defends players celebrating and even he says that's an obvious foul. Was it a targeting call at the end of the game? Let's talk about the Hail Mary. Why was TJ Guy dropping? Why was there a spy?  3. Hot Takes, Game Theory, and Special Teams Starts at 1:25:17 Takes hotter than a Wisconsin fan looking at whatever the shit that was on Saturday. If you're Nebraska, would you go for it on 4th and 2 on the opening drive? Should Michigan have called timeout at the end of the first half? Maybe Sherrone could make a better call here but we can't know that. Zvada hit a 56 yarder and a chip shot to seal it, yay. Punting was okay, how do you recruit punters? What's with Semaj at punt returns? Punt returning has been a problem for a couple years now. Kendrick Bell got the onside! Gary Danielson and Brad Nessler are washed. The turf was a little slippy?  4. Around the Big Ten with Jamie Mac Starts at 1:51:48 Indiana 63, Illinois 10 This is the most points a top 10 team has been beaten by. This looks like Michigan's boxscore against Central. Cignetti is vindicated. How much is this Indiana being legit and Illinois never being top 10 team? Maryland 27, Wisconsin 10 The boxscore shows a relatively even game, BUT Maryland blocks a punt, field goal, and gets one of the easiest interceptions you've seen. Luke Fickell is done. The boo birds were just apathetic, which is worse than booing. 61 rush yards for Wisconsin on 42 attempts.  Oregon 41, Oregon State 7 Oregon State has fallen on hard times since college football ejected them. This game looked like a controlled scrimmage. Is Oregon really good or just beating up on bad teams? We'll see how Oregon does during a whiteout at Penn State next weekend.  Notre Dame 56, Purdue 30 Purdue's defense is really bad. Purdue is Purdue.  Iowa 38, Rutgers 28 Iowa returns the opening kickoff for a touchdown and could not stop Rutgers' QB. Both teams went up and down the field, what is happening??  USC 45, Michigan State 31 The boxscore looks a little close but MSU gets a 75 yard drive down three touchdowns. Mostly a blowout. The Spartans' defense did not have answers to USC's running game. Aidan Chiles had some explosive plays.  Washington 59, Washington State 24 Another Pacific Northwest rivalry that college football has ruined. Does Washington have the best complete package for skill position players in the conference? We don't trust Ohio State's run game.  MUSIC: "Wave Goodnight"—Jeff Rosenstock "Alien With a Sleep Mask"—Batboys "Big Dipper"—Built to Spill “Across 110th Street”—JJ Johnson and his Orchestra   

Keith discusses the pros and cons of being a hands-on landlord versus hiring a property manager.  Self-management offers cost savings, quality control, and better tenant relationships but can be challenging due to tenant and contractor management.  Keep up with inflation and market trends, by using tools like Rent Finder.ai for market analysis.  Dani-Lynn Robison with Freedom Family Investments joins the conversation to highlight their recession-resilient real estate funds offering 8-16% returns, with options for liquidity and growth.  Resources: Visit freedomfamilyinvestments.com/gre to learn more about the investment opportunity or text FAMILY to 66866 to get more information about Freedom Family Investments' liquid investment options. Show Notes: GetRichEducation.com/572 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE I'm your host. Keith Weinhold, being a hands on landlord versus professional property management. Which one is right for you? How often and how much should you raise the rent? Then learn how, rather than a landlord, to be a landlord and increase your income by becoming a real estate lender. Today on get rich education,   Speaker 1  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Speaker 2  1:30   Welcome to GRE from Charleston, South Carolina to Charleston, West Virginia and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education before we talk about, should you be your own landlord or not, and how often do you raise the rent? Let's get more personal. I want to get introspective with you with three questions, do you focus more on what you have or on what's missing? Yeah, and not just as an investor, but in your overall life. Do you focus more on what you have or on what's missing? As for me, it's what's missing, and that might be a shame. I'm definitely grateful for what I have, but probably not grateful enough if you also focus more on what's missing from your life rather than what you have. Maybe you need to be more grateful for what you've got too. But those like me that focus more on what's missing are often accomplishment driven people always trying striving for more. The second question is, do you focus more on your past, present or future. Now we all focus on all three, but which one do you focus on the most? For me, it's the present and then the future after that. The third question that you can ask yourself to learn more about yourself is, do you focus more on what's in your control or out of your control, I focus more on what's in my control. So there you go. Certain combinations of those questions can tell you a lot about yourself. For example, if you answered that, you're most focused on your future and what's out of your control, you could be setting yourself up for some sleepless nights. Oh, gosh, did I lock the car door or really, it's more like, Geez, how is that meeting really going to go tomorrow? I do some of that too fretting too much about the future for things outside your control that won't change your future one bit, but yet, ostensibly, that steals your peace of mind in the present. And I don't know who to attribute those questions to. Who originated them, but I heard Tony Robbins talking about them, and that helps you figure yourself out for some of what we're talking about here on today's show. I want to start off real basically here most first time real estate investors, they find themselves diving into the world of property management with zero experience and tons of uncertainty. You don't have to put management experience on a resume before you hire yourself to manage your own property. Self managing a rental property, it can be daunting in the beginning, but it also offers you some real benefits, like greater control and cost savings and some hands on learning. But self management comes with its own set of challenges, like tenant management and handling maintenance issues, so let's weigh some of those pros and cons of self landlording versus outsourcing it to a professional manager, there are about four key advantages to self managing. I think that most obvious one is the cost savings, because property management companies typically charge eight to 10% of the monthly. Rent amount for their services, along with an additional fee for placing a tenant or renewing a lease, and maybe even a fee for certain maintenance types. By self managing, you can then avoid these fees and keep more of the rental income for yourself and thereby making your investment more profitable. Say that your property is rented for $2,000 a month. That $200 management fee, because that's 10% Well, multiply that by 12, that's $2,400, a year, plus a typical leasing fee when a new tenant is placed is a half months rent. That's $1,000 in this case, now, you're probably not going to have a new tenant placed every single year, but if you did, then that's $3,400 annually to the manager in total, between the management fee and the leasing fee. Another advantage of DIY ing is quality control. Now, I think people that tend to be control freaks, oftentimes have to self manage, and they care a little too much. But when you self manage, you do have direct control over the maintenance and tenant selection and the overall condition of your property, and that is going to ensure that your investment is well maintained and that your tenants are satisfied. Property managers, they often manage multiple properties, so your rental might not get as much attention. And the most common, recurring issue that I hear from investors that use a professional management company is that they don't feel like their property is getting enough attention, or that the property manager doesn't really care that much about them after their contract is signed. And if you think that through, from the property management industry side, you know most managers, they're only making that 100 to 200 bucks of recurring revenue per month on each property they manage, and these are pretty thin margins overall. So in order to run a profitable business and pay their employees and cover their other business expenses, these property managers, they need to onboard hundreds of clients, and in turn, that's going to spread out their efforts pretty thin if you've only got a few properties with a manager. Well, their main priority sometimes ends up being their bigger clients. So the smaller you are, the further down the callback list you might be. But I'll tell you, even staying in touch with my professional managers a little bit, even the ones I only have a few properties with, I feel like I get what I need. A third advantage to managing yourself is better tenant relationships. You've got a level of control that allows you to build relationships with your residents that can lead to longer retention and less of that costly turnover, and having that direct communication that builds some trust, that builds some respect between you and your tenant, they appreciate a landlord like you is probably going to respond quickly to maintenance requests and the fact that you're approachable if an issue comes up, and also, by you being more involved in the tenant screening process, you can ensure that you select a pretty good tenant that's going to stay Long Term and really take care of your property. Another advantage to you self managing is that you do build some valuable skills. I mean, managing a property on your own that teaches you a big range of pretty versatile skills, from like handling maintenance and repairs to negotiating leases and just overall, managing your finances, these can be pretty helpful skills, not just for your rentals, but for your future business ventures. So really, those are some of the upsides of self management. Now, how about the flip side, the challenges of self managing your own rental property? Well, the problem is managing your tenants. I mean, some say that this whole discipline that's called Property Management ought to be called tenant management and handling tenant relations. That's one of the most critical aspects of being a self managing landlord. I mean, even if you try to build tenant relationships, mismanagement that can lead to vacancies or disputes or can even go into legal issues. So educating yourself on landlord tenant laws and best practices, that's pretty essential. If you want to head off problems, you've got proper tenant screening and addressing tenant concerns and ensuring that rent is paid on time. I mean, all that stuff's crucial. Most tenants are pretty reasonable, but you know, there are always going to be a few that will challenge your patients, and it really requires that you be tactful and professional to manage well, managing contractors. I mean, property maintenance, that's another key responsibility you have to. Fine and hire and coordinate contractors for repairs and upkeep and poor contractor management that could lead to cost overruns or really shoddy work and more, knowing how to negotiate contracts and oversee projects that's crucial to maintaining the tenant satisfaction and the overall quality of your property. Another downside of self management is handling emergencies, I mean plumbing leaks or electrical issues, that stuff could happen anytime. And as a self managing landlord, you might not always be available to respond immediately, which can lead to property damage or unhappy tenants. So self managers, they really need to be problem solvers. Self managing a rental property, things go fine 99 plus percent of the time, but it could get emotionally taxing, especially if those tenant relations become a problem. So you got to keep personal feelings out of it, that stuff can cloud your judgment and negatively impact your decisions. If you want to self manage, you've got to maintain professionalism and set clear boundaries and remain objective when you're dealing with tenants and property issues, so creating systems and processes help you minimize those emotionally driven decisions, and can help you ensure consistency in managing approach. And then there is that legal side you ought to keep up on that local area's landlord and tenant law. So in conclusion, on whether to be your own landlord or outsource it to professional management, while these challenges are pretty real, you should still be able to self manage your properties, even remotely, even across state lines or from 1000s of miles away. I mean, most of these worst case scenarios that you hear about, like a flood at 2am I mean that stuff just never happens. I mean, it's never happened to me, even if you don't have previous experience, you really can effectively manage your rental properties and see positive results when you got the right tools and the right mindset. And today's tech tools make remote management easier than it's ever been in human history. But any long time listener knows that I do not manage my own properties. My time is simply too valuable. As a frequent guest on the show here, Robert helm says life is too short for property management, I just feel a personal sense of freedom and autonomy and some headspace clearance by knowing that no tenant can contact me directly yet that my manager is taking care of them. I mean, it's just not worth doing it myself to get that last 2% toward perfection. When you buy in the most investor advantage areas, you should have enough margin to pay for a manager.    Keith Weinhold  13:03   All right, well, let's change topics now, and whether you self manage or you outsource it to a pro, you know, you've got to ask, how much and how often should landlords raise the rent? That is the question. Let's say you've crunched the numbers and expenses are climbing like they have these past few years, and the market is shifting and your rent hasn't changed. That really leaves you with one big question, Should you raise the rent? And should you raise it every year? And if you're new to landlording, it can kind of feel complicated. It could feel like if you raise the rent too much, you risk losing a great tenant if you raise it too little or not at all, and you might fall behind on costs then, or even undervalue your property if you don't keep your rents up there, because five plus unit property values are based on the rent, which goes into the NOI your net operating income. And really, this is one of the more common dilemmas that landlords face. But really, the good news is that there's a pretty clear way forward. So let me help you determine when a rent increase makes sense, and then figure out an amount that keeps your unit competitive. It keeps your rental income on track. Now some people, they actually believe that landlords are required to raise the rent every year and to a tenant, it might seem like that's what happens, but no, landlords are not required to raise the rent every year. They often choose to do so to keep up with inflation or stay competitive and high demand markets, and keep up with shifts in local rental trends, gradual, smaller increases can help you avoid the need for making larger jumps later, that stuff can surprise or frustrate your tenant. You want to go for those big rent jumps, but two. 19 tenancies. We've covered that part before. Now, some landlords prefer to keep rent steady, like when they have long term reliable tenants, or they're just focused on building equity over time, and they want to stay hands off, and don't really need the cash flow so much. Now, in a lot of cases, maintaining that same rent amount that sure can reduce your turnover in vacancy costs, those things are your biggest expenses, but often that is not the best approach in the long run, because you probably are a leveraged investor, meaning that you have a loan on the property. Well, then a rent increase that helps you out more than it does for the less educated, paid off free and clear property owner, because you can widen your delta faster. You widen your cash flow faster because your biggest expense, your principal and interest payment, stays fixed. Yes, you are getting leverage on both the asset value overall and the income. Yes, this is winning that third crown of GRE s inflation triple crown. So ultimately deciding how often to raise the rent, that really depends somewhat on your goals and also the condition of the rental. You got to factor in how satisfied you think that your tenant is. That's part of it, and the state of the market as well. Now, if you're unsure what the right rent price is for your area, there are increasingly sophisticated tools for helping you figure that out. Rent finder.ai, can help you. One of my property managers uses it. It's a really cool AI driven report that looks at 25 rent comparables in the area. Again, that tool is rent finder.ai.   Speaker 2  16:52   Now, when should landlords raise rent? Finding the right time to do this that helps you stay aligned with the market value all while supporting your financial goals. But there are also times where it might be smarter to hold off on hiking the rent. The most common times that you implement a rent increase are at least renewal. That's really the most common and appropriate time to raise the rent, provided that you give proper notice. You usually got to give 30 to 60 days notice. Another common time to raise the rent are after you make significant upgrades, like installing new appliances or renovating a kitchen or updating flooring. I mean, this is when it might be reasonable to adjust rent to reflect that added value. Another time is when overall market rents are rising, even if you haven't improved the unit or anything, because if rental prices in your area are up, well, then raising your rent helps keep your property in line with local rates. But you got to keep in mind that rent price increases require a well thought out strategy to avoid pushing away good tenants. Another time to increase the rent is to keep up with inflation and expenses over time, especially these last few years, we've all had higher operational costs like higher insurance, higher property taxes, higher maintenance costs. So even a small annual rent increase definitely helps offset those rising expenses, but you have got to avoid basing your rent price solely on operating expenses. When you do raise the rent for this reason, though, let the tenant know just which operating expense rose. That is going to help reduce tenant frustration. Now, on the flip side, there are times when keeping your rent steady could be the better choice, especially if you have a long term reliable tenant. I mean good tenants that pay on time and take care of the property. They are worth retaining, not all times, but sometimes avoiding that rent hike can help you maintain a good relationship. There another time to avoid it is when the rental market is soft. I mean, if there's more competition in your area, or high vacancy rates in your area, well then raising the rent could lead a tenant to look somewhere else, especially if there are vacant properties nearby that they could move into. Another time to not raise the rent is if the property hasn't changed, if you haven't made any of those improvements, sometimes a rent increase might not be justified, or obviously you don't want to raise the rent if you really, really want to avoid a vacancy. So keeping the rent the same might encourage them to renew. So factors to consider before raising the rent and how to calculate an appropriate increase if a unit is aging or needs repairs, raising the rent without improvement that could discourage renewals. So consider creating a value checklist to quantify certain improvements, like new apps. Appliances could be 25 to $50 a month in additional rent, or a renovated kitchen, $75 a month or new HVAC. That could be 30 to $50 a month. Think about neighborhood changes like gentrification or new schools or increased transportation access or nearby commercial development. I mean, all that stuff can raise demand, building a Whole Foods nearby, having a new office space with high wages nearby, that can increase your rent. Look at City Planning announcements and local news. You can help stay ahead of the trends that way, and if your neighborhood has seen a rise in new businesses or housing demand. I mean, that is justification for a moderate increase and a modest annual rent increase tied to inflation that can help offset your rise in costs. You can reference the CPI, yeah, the BLS. They don't just report national inflation, but they do this by region as well. Now, is there a limit to the amount of your rent increase? Well, depending on where your property is located, there might be legal limits to how much you can raise the rent, and they're typically defined by state and local rent control laws that can vary a lot across the US, in cities or states with rent control, or what's called rent stabilization, there are strict caps on how much you can raise the rent annually. And those caps, they're often based on the local CPI. They might range from 2% per year to 10% a year, depending on the area and if your rental property is in a place without rent control, well, then there might not be any legal limit on how much you can raise the rent really. That's sort of situation normal. So you do have to look at those local laws. Of course, here at GRE we recommend buying and owning properties outside of any rent control jurisdictions, which are often those places in big Northeastern cities or on the west coast where they have rent control. Well, your success as an investor, it has a lot to do with how much of your money you are leveraging, but funds that are leveraged into property that you own directly, they're not very liquid. Any prudent investor keeps a liquidity bucket of funds, and for me personally, I don't keep many of them in these online only savings accounts that might yield a 3% or 4% return today, because that is simply too low. What I do with my liquid funds is I get a return that's more than twice that amount. Where I am not the landlord, I'm the LEND Lord. Yes, l, e, n, d, lendlord, I'll tell you how to increase your income that way. That's next. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  23:03   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President Chaley Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  23:34   You know what's crazy your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back, no weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66 866. To learn about freedom. Family investments, liquidity fund again. Text family to 66866,   Robert Kiyosaki  24:48   this is our rich dad. Poor Dad. Author Robert Kiyosaki, listen to get rich education with Keith Weinhold. Don't quit your Daydream.    Speaker 2  25:06   If you love the income from rentals but you don't like the vetting and the tracking and the tenant calls, this episode is for you. I've openly shared with you before that I don't keep much money in a savings account, since the returns are often lower than true inflation today, it's about where I invest my own funds that I want to keep fairly liquid yet get a strong return. We're talking to who owns and runs those very funds that I'm personally invested in. She co founded freedom family investments. They're a firm with over $50 million in assets under management, and they have a 100% track record of investor payouts to those investors that include me. After building her own wealth through real estate, she made it her mission to help investors create freedom, safety and peace of mind in their portfolios. She specializes in turning hands on real estate strategies like turnkey rentals into relatively passive, scalable income. It has real estate backed returns that get fairly high. You'll see how high today. She's got a great plain English approach and focus on recession resilient, needs based assets that have earned her repeat invitations to get rich, education and other top real estate shows she and her husband flip also co wrote a great book called Get real, which I have on my bookshelf. Hey, it's great to have you back on GRE Danny Lynn Robison   Dani-Lynn Robison  26:30   thank you so much, Keith. I'm so excited to be here   Speaker 2  26:33   Danni, We'll discuss rates of return for the investor shortly, but first, I think that any prudent investor asks about that foundation, what is the investment backed by? What are the underlying assets? Tell us about that.   Dani-Lynn Robison  26:48   So that's really important to me as well. And real estate is my love and passion. So this is a fund that is based on recession resilient needs based real estate. What that means is we're really focused on the needs over economies, down economies, no matter what is going on the market, is there demand? Is there enough demand that the cash flow is going to continue on? And so our asset classes inside this fund are multifamily housing and then senior housing build to rent and self storage. And by concentrating on all of those, we're just staying aligned with the fundamental needs of American families, which is why we're freedom family investments,   Keith Weinhold  27:26   right? Okay, so, yeah, pretty staid, stable underlying assets there, like you say, these are needs based items, items that people need. And tell us more about how the investment is structured for that investor, and these investors like me, looking for predictable, passive income.   Dani-Lynn Robison  27:46   This is something that's really important to me. I'm always talking to our investors and finding out what's important to them. What are they investing in right now? How do they feel about the market? What's important to them? And out of that has come every single fund or offering that we have created. And so what I love about this one is it combines a whole bunch of things all into one place. So this fund, the way it's structured, provides diversification, because as a private money lender, you are lending on one asset, so you're dependent on that one asset actually performing and being able to pay you back. Now, as you said at the beginning of the episode, we have a 100% payout track record, and that's because I think my very first episode with you was about private money lending, and I told this story about this duplex where we lost, I want to say, over $50,000 and I talked about the importance of investor relationships to me, and that long term relationship means more to me than anything else, because if you don't Have trust, then you don't have anything, you don't have a business, you don't have you can't grow long term. So even though we had lost so much money on that duplex and made a lot of mistakes, the investor got their full principal paid back. They got every penny of interest during the time that they were owed. And that Testament has happened over and over again, and it's also why I've always preached volume, because deals like that in real estate, it's going to happen in anybody who tells you otherwise just run, because there's going to be times where you peel back a wall and there's something you know big that you're going to have to take care of, and there's times when contractors aren't going to do what they say they're going to do, and it's going to go over budget. And because of that, volume is important. So if I'm doing 10 deals a month, and two of them go bad. I've got eight that do really, really great. So that's the diversification piece that is so important to me, and therefore also important to my investors. Because we've talked about that, we've talked about those conversations. So in the fund, being balanced and diversified across those four asset classes ensures that no matter where the market is and what we're investing in, some of them could be doing really good, while some of them may not be doing as good, and we're just evening out and protecting ourselves and our investors with that separate asset classes and multiple doors. Then the other thing about that I've heard loud and clear is liquidity. And you and I were talking about this right before we pressed record, and I. Always laughed, and I was like, liquidity and real estate just don't go together. So let me figure this out. And we worked with our attorneys and figured out different ways to provide liquidity to real estate investors while still protecting just the way everything was structured, because that promise and making sure that I'm always giving that money back to the investors and paying them on time every single time, was so important, we structured a fund that allows people to invest and then get their money back in a year if they want it, but if they don't, then they get to continue investing for a period of time. And so that marriage and balance has really been a win for us and for our investors. And so I'm really excited about this fund.   Keith Weinhold  30:37   Danny Lynn, it's a little sad before our chat today, we learned about another industry professional that offered a fund to investors, and that fund imploded, for lack of a better term, and you divulged with me that you're actually familiar with that fund and with that operator that offered it. And you know you talked about how there were really some red flags, some warning signs, there, you have third party eyes on your fund for its lifespan, from beginning to end and here in the present. And the other thing is that you invest the funds in your own businesses, so you have more control over that when you talk about these four different asset types that you're involved in. So can you talk to us about that?   Dani-Lynn Robison  31:25   I've been in the room with him. I don't know him personally. We're not friends or anything, but I know him, and I know what happened as that fund progressed. And when I looked at the fund structure, I love the promissory note idea, because it's simple to understand. There's a warren buffett quote I love talking about that you shouldn't invest in something you don't understand. And I believe in simplicity. I believe in making sure that you understand exactly what you're getting into when you're putting your money on the line. And in that particular fund, it was very hard to understand the assets that you're investing in. And so it was a lot of businesses I would view them as high risk. I felt like even the monthly distributions were a little risky as well, because sometimes you just don't know if the money is going to be coming in. You know, you might be in a building phase where you actually need the capital to work on and grow and improve the business or the real estate. And so we always structure things in a way that we do two tiers. There's an income track and there's a growth track to allow us to balance everything out and be able to give the investors a lower rate of return if they want income, and a higher rate of return if they want growth, because that higher rate of return we can do that because they are allowing us to use that capital to be able to work on properties, to work on businesses have that growth trajectory, and when it comes to our businesses, I'm glad you brought that up, because he did invest in businesses, and I don't historically do that. I love real estate, but I do invest in my own businesses, because I know me. I know my character, I know my track record. I know what I promise I'm going to do, no matter how hard it is. I'm going to make sure that I fulfill those promises. And so if I have like, ownership and direct control of everything, I feel very confident in my ability to move forward. And that's really where the masternote program comes in, we now call it freedom notes, because we just love freedom so much we're just rebranding everything. So the freedom note program really does help us invest in businesses as we're growing, and it's our own businesses so super excited about that opportunity. Structured the exact same way as the flagship fund.   Keith Weinhold  33:16   You use the term promissory note there, just so that no investor is left behind. What is a promissory note?   Dani-Lynn Robison  33:23   A promissory note is really like an IOU. So I always like to compare it to bank loans. Whenever our private money lenders would come and talk to us about private money lending, and they'd say, can you explain this to me? I'd say your Bank of America like you're the one with the lien on the property, so you're in first lien position, and so if something goes wrong, then you have the ability to foreclose and get that property back. So promissory notes, essentially is a loan to this fund, and this fund is then going to use that money to purchase or acquire or invest in or do recapitalizations of those projects that we talked about. So in the flagship fund, those four asset classes, masternodes, so the freedom notes also invest in those same asset classes, but they also invest in the businesses as well.   Keith Weinhold  34:09   So we're talking about predictable passive income for the investor here, about as close to passive as it gets, hands off management. You've got the professional underwriting, the servicing and the reporting done by a third party you actually use invest next, that's the third party company that administers this. Tell us more about the investor qualifications, about the minimum investment amount and accredited versus non accredited. Tell us about that.   Dani-Lynn Robison  34:38   We have programs for both non accredited and accredited investors, and like I said, they're set up structurally very, very similar, but they are it's has to be SEC compliant, right? So for the non accredited investors, it is the freedom note program, and it's set up so your funds are in a separate bank account all by itself. It's fully tracked that way by our accounting team. And you can always go in and say, Hey, can you guys tell me where my funds are placed? And we can always track that information. So it's a little bit more work on our part, but it does allow non accredited investors to participate in something until they have the opportunity to reach a point where they do meet that accredited status and they can participate in the fund. And then the fund is the accredited vehicle. It's a 506, C, again, fully it's a Regulation D, fully vetted by our attorney. They're just actually finishing the documents right now. I didn't tell you before this, but you're actually the very first group that we're like talking to this about. And I told you how much I love our relationship and how long we've known each other, and how I just want to do more things with you. And so we're like, this is perfect that we get to actually launch it to Keith's group first. So we're excited about that as well. And then you talked about invest next. This is the piece that I think is important to me, no matter who you invest in, is what is their financial transparency look like? How are in the investments tracked? Where are the funds? Who is looking at those funds. So not only are we tracking all of the funds in house, but our CPA has to look at the funds and what's happening there. And originally we had nav, which is a fund manager. Now we've moved over to our invest next, and it probably took us six months to get onboarded with them, because of all the compliance pieces required for a company like that to bring you on board. So I just think that's one of the important pieces that makes me feel safe, because I want a bunch of eyes on the financials, and it makes our investors feel safe as well.   Keith Weinhold  36:31   For those wondering why I invest my funds here, yes, you've got that third party auditing, like you've mentioned, and you're investing only in your own businesses, so you have control. That's a big part of what makes me feel good. Well, let's talk about the fun part. Danny, tell us about those rates of return and the liquidity.   Dani-Lynn Robison  36:50   The rates of return are anywhere from eight to 14% but the 14% can go up to 16% because there's a 2% bonus upon maturity, and that eight to 16% is in two series. So there's an income series and there's a growth series. The income series is what appeals to investors who want those quarterly distributions and who want the passive income and cash flow. And so that particular series is anywhere from eight to 10% and again, depending on how much you invest, there's a 2% bonus in that series, and then the growth series is even higher. And the reason that is is because these are the long term investors who are looking to really accelerate growth in their portfolio. And that allows us peace of mind that we've got capital to be able to use for the renovations, for whatever is needed, depending on the market and how the cycles are going. As I said before, real estate is illiquid, and you have to structure and balance things based on that. And the growth series is a win for the investors, because compounding on, let me see, it's 10 to 14% returns, plus, depending on how much you invest, there's a 2% bonus that compounding adds up fast. We've done math for our investors are like, Oh my gosh, I'm never moving my money. I love this. They just love to see the growth trajectory. It's a win for us, too, because we get to use that capital as needed in order to ensure that we've got successful investments at the end of the day.   Keith Weinhold  38:21   Okay, so the income series has eight to 10% returns based on how much you invest, that pays out quarterly. And then the growth series that has those higher rates of return, up to 14 even 16% where the payout is made at the end, and how long is one waiting until the end? I know it sounds like most people want to continue that compounding and roll it forward, but what does the end look like for the groceries fund?   Dani-Lynn Robison  38:47   Yeah, I'm glad you asked that. So that's the liquidity piece, and that's the thing that we went back and forth with our attorneys about, because real estate is naturally illiquid, and so what we did is it's a recurring annual renewal. So it's an auto renewal, meaning that every single year you have the opportunity to say, Hey, Danny, hey freedom, I would like to go ahead and give you notice that I would like to get my funds back. And so that gives us enough notice be able to plan for those funds to come back to you principal plus interest. And then every year, if you choose not to ask for your funds back, it auto renews for a total of five years. I believe it is. You'll have to look at the documents just to confirm everything that I'm saying, because what I'm speaking to is our freedom note program, which is what this was built off of, because it was so popular. When given investment opportunities, everybody was just like, I want to go into those freedom notes. I like those because it gave them peace of mind, the ability to take out their cash if they needed it, but allowed for a compound or fast growth and a long term investment if they felt that was right as well.   Keith Weinhold  39:47   Okay, this freedom note program either the income series or the growth series, but we're talking about rates of return here. What's interesting is we're in a period where federal funds rate drops are. Anticipated when that happens, the return on your savings account does fall by that amount. However, these funds don't. That is correct. Yes, we're talking about, again, these funds that are backed by needs based real estate, like senior housing, workforce apartments and self storage demand that stays steady, even in downturns. And I know that you have an investor story as well. Tell us about that.   Dani-Lynn Robison  40:28   Yeah. So we have so many investor stories, and you can actually see the videos and audios on our website, and I encourage you to go check them out. But we like to call this investor story Jane, because we've heard the story so often that we call her Jane. So this is really the investors who have been investing with us as private money lenders and turnkey investors. And there they realize that number one, the in and out of investments. As a private money lender means that they always have this capital sitting and earning nothing at some point in time. And the turnkey investors, they think it's passive. And then they realize, oh gosh, there are tenant issues. I do have to, you know, manage this, the property management company. I do have to double check all the financials. I do have to approve a tenant or approve repairs, and it ends up being a little bit more work, and sometimes a lot more work than they ever anticipated. Those investors in particular, are the ones that love working with us the most, because suddenly what they thought was freedom going into the investment opportunity turned out to be a little bit different than they anticipated. And so they're like, I'm so thankful to finally, you know, be in an investment with a company that I trust, but that can be there, give me liquidity options, give me a good return, but it's 100% passive. So we call that investor Jane, because we just hear this story over and over and over    Speaker 2  41:45   before I ask about how our listeners can learn more about this, if it might interest them. Is there any last thing that you want to tell the audience? Maybe something that I didn't think about asking you?   Dani-Lynn Robison  41:57   That's a great question. The here's the thing that I always like to say, when you're investing with somebody, I think it's important to ask about the worst thing that's happened, what they did, how their investor was treated, what was the financial outcome? I think those questions are people don't think to ask that. Like, when you get on the phone with somebody, everybody's gonna tell you the rosy stories and all the good things, and this is why you should invest. And they're not going to go down the road of like, what happened, like, what are the bad things? Because every business and every real estate investor experiences bad things. So finding out the character of the person, I think, is how you find out is by asking what happened in that worst case scenario. So I think that's a really great question to ask, and you can ask us anytime I transparently tell my horror stories all the time, and just always in saying how important our long term investors are with us.   Keith Weinhold  42:46   It's just like the title of your book. Get real. If you don't have a messy story to tell, you probably haven't been in business for very long. Are there any fees in order for one to get started?   Dani-Lynn Robison  42:58   No, there are no fees. That's another investor feedback piece is the confusion. It's like they want to invest, but they're so confused by investment opportunities and what they're really making. So when you invest with us, the return that we tell you you're going to get is actually the return that you're going to get. So whether it's, you know, 8% 9% 10% whatever that is, that's the return you'll get. If there's any fees in, uh, within the fund itself, there's none in the freedom notes program. If there's any fees within the fund itself, it comes from the actual underlying properties, not from investor returns.   Keith Weinhold  43:31   Well, it doesn't take very much documentation in order to get started. This could really help you make more of the funds that you want to keep more liquid as fast as 90 day liquidity. Danny, tell our audience how they can get started, and if they just want to learn more about this to see if it's right for them,   Dani-Lynn Robison  43:50   we have done something super special this time. I think I've been on your podcast probably four or five times. Now this time, I'm going to tell you to go to freedom, family investments.com. Forward, slash, G, R, E, so it stands for get rich, education, so freedom, family, investments.com. Forward, slash GRE, what we've done this time is we're really tailoring what we do to Keith, because this relationship has just been such a great relationship we've had over time that we want to make sure that the investors that come in from your audience are just they rise to the top for our Investor Relations team so that anything that you need, we're just right there for you. We've got an investor concierge, and we're just doing as much as possible to make sure that you guys are prioritized.   Speaker 2  44:30   Yeah, feel free to let them know that you learned about this through me, you'll get the VIP treatment. Danny, thanks for being such a responsible custodian of my own funds. For years, it's been great having you back on the show.    Dani-Lynn Robison  44:42   Thank you so much, Keith.   Keith Weinhold  44:50   Look the key to most anything in business or investing is for you to provide something that's of value to someone. Else. Look for something that makes somebody else money, and then go get a piece of that for yourself. And because this is where I park my own funds for liquidity, I do need something that I can count on, recession resilient needs based real estate assets that people rely on in every economic cycle. So this is backed by, frankly, pretty plain things, with durable demand, limited supply and strong demographic tailwinds. And again, those four underlying assets are multifamily housing, senior housing, build to rent, which are new single family rental communities and self storage, which is something proven to hold up even in recessions. And what makes these funds from Freedom family investments different is that, like we said, they have third party financial eyes on them, and the control is there because the funds are invested in their own companies, and now there's no such thing as a zero risk investment or even a 100% passive investment, but this is about as close to real estate passivity as you can get. There's more of that than there is with direct ownership of turnkey real estate, they'd surveyed investors to find out what they want. That's why you can choose from again, Freedom family investments either their income series, which has eight to 10% returns, but it can be up to 12% at higher investment amounts, you get quarterly distributions, or their other is their growth series, 10 to 14% returns, but it can be up to 16% at higher investment amounts, with the option to have your funds back annually. These are fixed rates of return and a declining interest rate environment like we're in now. Cannot touch those rates of return, I think, for someone that's not in real estate and doesn't understand how real estate pays, five ways, they might find it unusual that an investment can reliably return more than 10% like this. But those that are initiated, they get it. It's pretty simple. I mean, you are going to increase your income $10,000 per year if you invest 100k at a 10% return. If you'd like to learn more and see if it's right for you, it's been made pretty easy. You can do that one of two ways. Text family to 66 866, just text the word family to 66866, yes. This is how you can, rather than a landlord, be a lend Lord with the liquid component of your investments. So you can learn more about freedom family investments, just visit freedom family investments.com/gre. That's freedom, family investments.com/gre, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  48:13   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  48:37   You know, whenever you want the best written real estate and finance info. Oh, geez, today's experience limits your free articles access and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now just text. Gre 266, 866. While it's on your mind, take a moment to do it right now. Text, gre 266, 866,   Speaker 2  49:53   The preceding program was brought to you by your home  

Special Guest: John U. Bacon. The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Karl Kingson THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- 1. Nebraska Preview: Defense starts around 12:15 pm Play a weird nickelized version of the Rock Long 3-3-5 that has a 235-pound former Indiana linebacker at edge and moveable guys who like to get upfield up front. If you get them blocked up correctly there are ways to gash them. The best team to use against them would be 2023 Michigan—definitely think El-Hadi being out will have an effect. Run the QB? 2. Nebraska Preview: Offense starts at noon Dylan Raiola is a year 2 five-star but hasn't taken that next step despite Nebraska spending a lot of money to put talent around him and gave him Air Raid expert Dana Holgorsen, but they weren't that impressive vs Cincy. Their transfer OL haven't worked out, and they're not sure who's their LT. Those receivers are legit though. 3. Interview w John U. Bacon, author of The Gales of November: The Untold Story of the Edmund Fitzgerald starts around 12:30 pm Bacon has a new book, so we have him on to talk about the haunting story of the Great Lakes' most famous shipwreck, and the lives, loved ones, and Dodge Chargers that were left behind. Pre-Order Link: http://johnubacon.com/ 4. CMU After Review starts when we're done with Bacon They put the air back in the ball. Underwood runs make the whole offense easier. CMU offense wasn't much of a test, but we got to try out the Barham at Edge thing, and want to see it transitioned to the next phase. Also need to talk about QB runs and why Michigan hasn't been able to fit them. Featured Artist: Karl Kingson Karl Kingson is a Detroit-based multidisciplinary artist whose work blends music, film, and visual storytelling into cinematic experiences that move both the heart and the body. With a sound rooted in R&B, pop, and alternative scores, Karl creates songs that feel like stories — romantic, mysterious, and timeless. His debut single STARE exemplifies his vision: a fusion of soulful vocals, striking visuals, and performance art that transforms love into a cinematic universe. Beyond music, Karl is a visionary creative and cultural architect. His projects span bold promotional campaigns, immersive live events, and fashion-forward collaborations, always grounded in the energy of Detroit and the underdog spirit he represents. His brand essence is motivation — inspiring audiences to embrace their value, chase their dreams, and connect through authentic artistry. Songs: "Open Medium"—Karl Kingson "The Wreck of the Edmund Fitzgerald"—Gordon Lightfoot "Brandy (You're a Fine Girl)"—Looking Glass Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

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

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

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

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