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1 hour and 40 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Men's Basketball vs Howard and Saint Louis Starts at 0:51 This is part one of a part two podcast! Which Robbie Avila nickname was your favorite? Of the last ten times Michigan has made the tournament they've been in the Sweet Sixteen nine. Were Beilein teams built better for the tournament than for the Big Ten? Howard shot 48% from three, the only reason they were able to get to 80 points. What Wisconsin nonsense is this? Michigan shoots 84% from two, one of those misses was from Oscar Goodman. Roddy Gayle was uninspiring in the Big Ten Tournament but returned to his March form. Moving on to Saint Louis, they're a dangerous offensive team but there was no way they were going to be able to check Michigan. Somehow Saint Louis was the #1 field goal efficiency defense in the country, it's a good sign that Michigan shot 1.35 PPP. Avila fell for Mara's fake pass. Since they started counting blocks Michigan is the first team to have all starters score 10+ points and have a block. The Mara we're seeing now is night and day from what we saw at the beginning of the season. Could you convince him to come back another year? What was up with that non-flagrant foul that ended up being a foul on Burnett? Technically it was a cylinder foul. High Point isn't a real school, you should only schedule real schools.  [The rest of the writeup and the player after THE JUMP]  2. Spring Football Bits Starts at 34:37 There are finally enough bits coming out of the spring! Ron Bellamy is back as director of player personnel, which makes all the sense in the world. Apparently Whittingham wanted to come back to Utah but he wouldn't have as much control over decision making so he left. What exactly happened here? We thought he was retiring but clearly he didn't. Manuel Beigel moved to offensive line, this is concerning because there are plenty of offensive lineman and this team needs defensive tackles. In more positive news, Savion Hiter is already running with the ones. His built is like Jabrill Peppers. The defense will "resemble the 2023 defense" in terms of style, according to Jay Hill. It will depend what they can get out of Zeke Berry and Rod Moore. Injured guys are still injured. Receiver depth is Marsh, Ffrench, Moa, and Buchanon. Defensive tackle tea leaves are... uhhh... concerning? You need four decent defensive tackles, they currently have three and there's no guarantee that any of them are good. Maybe that's why Hiter is getting so many yards in practice. The NDSU linebacker captain needs to simmer for a bit, he just got here. If one of the best offensive line coaches in the country is excited then we're excited. If Babalola actually starts he'll be an All-American. Sounds like they're kicking Link inside?  3. Hot Takes and Hockey Tournament Starts at 1:02:51 Takes hotter than Howard for the last 10 minutes of the first half. Michigan gets the #1 overall seed in hockey, their reward is a game against Bentley in Albany. They also won the Big Ten Tournament after a 7-3 win over Ohio State. They get medals but not stoats. Playing a team with tournament lives on the line was really good practice. They were so excited to win a banner. Did you know Gonzaga used to have a hockey team. Bentley is 23rd in NPI which is better than their conference usually does. Doesn't look like a team that will threaten Michigan but anything crazy can happen in this tournament. The matchup is there against Penn State but the vibes are annoying since Michigan has already played them five times (and lost once). Will the building have 12 people in it? Minnesota-Duluth had a really good nonconference run but fell off towards the end of the season. They swept Minnesota which doesn't mean much this year. Congratulations Western Michigan, you are a #1 seed and you probably get to play Denver at altitude if you win your first game. The committee doesn't want schools to have home games but then they either give schools "home" games or play in empty rinks. This game should be at Yost and it would be nuts, Michigan deserves the home advantage that they earned. If Wisconsin gets goaltending they're a top four team, if not they'll lose in the first round.  MUSIC: "Hard Dreaming Man"—Drugdealer "Honey Drip"—Long Island Railroad, Smushie and Ryan Gebhard “Across 110th Street”—JJ Johnson and his Orchestra   

Welcome back to The Lender's Playbook! I'm your host, Matt Rosen, and today we're tackling one thing every private lender wants: consistent, qualified deal flow.I sit down with Stephen Lawrence from BlueCraft Leads to break down their system designed specifically for private lenders. We cover how they attract serious borrowers, filter out unqualified leads, and deliver results for private lenders, brokers, and funds alike.If you're ready to stop chasing deals and start building a predictable pipeline, this episode is for you.Thank you Sponsor~ This episode is brought to you by Title Ease, a turnkey franchise solution to start your own title and closing company. Launch a new revenue stream, increase your enterprise value, and take control of your customers' transactions. Check them out at https://www.titleeasefranchise.com/ and meet them at the American Lending Conference, Oct 9–10 in Las Vegas. American Lending Conference -Oct 9-10, 2026 Las Vegashttps://www.americanlendingconference.com/

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

Welcome and thanks for tuning in to this Friday edition of RealAg Radio with your host Lyndsey Smith! On today’s show, Smith is joined for the Beef Market Update with Anne Wasko of Gateway Livestock Exchange for a Beef Market Update. Smith is then joined for the RealAg Issues Panel by Tyler McCann of CAPI... Read More

Welcome and thanks for tuning in to this Friday edition of RealAg Radio with your host Lyndsey Smith! On today’s show, Smith is joined for the Beef Market Update with Anne Wasko of Gateway Livestock Exchange for a Beef Market Update. Smith is then joined for the RealAg Issues Panel by Tyler McCann of CAPI... Read More

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

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

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

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

Refinance Fee Savings: How to Lower Your Costs on Title, Appraisal, and CreditRefinancing your mortgage can be a smart move, potentially saving you thousands of dollars over the life of your loan. But let's be honest, the initial costs of refinancing - title fees, appraisals, credit reports, and surveys - can sometimes feel like a hurdle. What if we told you there were ways to significantly reduce, or even eliminate, some of those fees? At DDA Mortgage, we leverage our expertise and lender relationships to help you navigate the refinancing process and potentially save you money. A key to unlocking these savings lies in getting a solid "DU approval" - which we'll explain more about in this article. Get ready to learn how to potentially reduce your refinance costs and maximize your savings!Reduced Title Fees with a Desktop Underwriter (DU) Approval on Refinance LoansTitle fees are a necessary part of any real estate transaction, including refinances. They cover the cost of researching the property's history to ensure clear ownership and issuing title insurance to protect you and the lender. However, with a Desktop Underwriter (DU) approval, which is Fannie Mae's automated underwriting system, on your refinance, you could be eligible for a significant reduction in title fees. We're talking potential savings of up to $1,500! This applies to both rate/term refinances (lowering your interest rate or shortening your loan term) and cash-out refinances.Here's how it works: The DU system analyzes your financial information, credit history, and property details to assess the risk of the loan. If the system provides a strong approval, it indicates a lower risk for the lender. This can translate into reduced costs for certain services, including title insurance. At DDA Mortgage, we work closely with our title partners to negotiate the best possible rates for our clients, especially when we can leverage a favorable DU approval. If you're considering a refinance, understanding the potential for title fee reductions is crucial. Make sure to visit our refinancing page to learn more about how we can help!Why a DU Approval Matters for Title FeesLower Perceived Risk: A strong DU approval signals to the lender that you are a qualified borrower, reducing their perceived risk.Negotiating Power: This lower risk profile gives us more leverage to negotiate with title companies on your behalf.Streamlined Process: A smooth underwriting process can lead to faster closings and potentially lower costs.Potential Appraisal Waiver Savings with a DU ApprovalAppraisals are another significant expense in the refinance process. They involve a professional appraiser assessing the current market value of your property to ensure it aligns with the loan amount. However, in many cases, a DU approval can pave the way for an appraisal waiver, saving you hundreds of dollars.The DU system uses a vast database of property information and market trends to determine if an appraisal is necessary. If your property's characteristics and location align with their data and your loan request is deemed low-risk, the system may grant an appraisal waiver. This means you avoid the cost and hassle of scheduling and paying for an appraisal.It's important to note that appraisal waivers aren't guaranteed and depend on several factors, including your loan-to-value ratio, credit score, and property type. But, when available, they can significantly reduce your closing costs. Don't forget to contact us to determine if you can take advantage of an appraisal waiver for your refinance!https://www.ddamortgage.com/blogdidier malagies nmls#212566dda mortgage nmls#324329 Support the show

On this legal-focused episode of Debtwired, Andy Serbe sits down with Stephen Silverman of Gibson Dunn to talk about ad hoc group formation trends in Chapter 11, the role they play in a plan and negotiation-focused environment, and more.

Who are you going to call in Nevada, California and Guam when you need a lender? he answer many questions we have. Jose CastroMortgage Loan OfficerNMLS 1589796C: 671.689.7145 (Guam)C: 702.624.3556 (Nevada)Dos Amantes Plaza, 1350 North Marine Corps Drive, Suite 104, Upper Tumon, GU 969132850 W. Horizon Ridge Parkway Suite 200, Henderson, NV 89052 Total Mortgage Services, LLC NMLS #2764185 Plains Rd 3rd Floor, Milford, CT 0646

Send a textIn this episode, we cover:353 new homes above Bromley WaitroseBromley Council's approval for 353 flats and a 24-storey tower on Mason's HillJohn Lewis pulling out of build-to-rent but planning permission likely to be sold onLocal debate over height, design, and affordability in Bromley Town CentreCollapse of London property lender Market Financial SolutionsAllegations of loans backed by the same collateral multiple timesPotential losses of up to £930m for major lenders including Barclays, Jefferies and Atlas SP PartnersLinks to UK properties under investigation by the National Crime AgencyWhat this means for risk standards in bridging finance and private creditUK draft Commonhold and Leasehold Reform BillPlans to make commonhold the default for most new flatsEnding most new leasehold flats and capping ground rents before phasing them to zeroGreater control for flat owners over building management and maintenanceKey protections: ending forfeiture for small debts and clearer rights for homeownersIf you're a buyer, investor, landlord or homeowner trying to understand how these changes could affect your decisions, this bulletin is for you.

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

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

Why do interest rates change? It isn't just to keep our lives "interesting and stressful." In this Finance Friday edition of Wealth Coffee Chats, we strip away the jargon and go back to the basics of lending.We pull back the curtain on the "Lender's Ecosystem" to explain why two people can look the same on paper but get offered completely different rates. From the secret math of "Risk-Based Pricing" to the specific hurdles of NDIS and commercial securities, this episode is a masterclass in positioning yourself as the "reliable borrower" banks are competing to sign.What We Covered:• The Anatomy of an Interest Rate: It's not just the RBA cash rate plus profit. We break down the three tiers: Cost of funds, the "Risk Premium," and the bank's margin.• The 2-Year Break-Even Secret: Did you know most banks don't make a cent of profit on your loan for the first 24 months? We discuss why "staying power" matters to lenders and how "clawbacks" affect the broker-lender relationship.• Security Under the Microscope: Why "St. George" might love a property one day and "St. George" might reject an NDIS or commercial property the next. We explore how banks rotate their appetite for different industries and security types.• The Credit Assessor—The Invisible Gatekeeper: While you talk to your broker, the Credit Assessor is the one holding the "Yes/No" stamp. We discuss how to speak their language (mathematics and policy) to get your deal across the line.• The 12-Month Refinance Hack: A look at the emerging trend where some lenders are bypassing standard assessment stress tests if you can prove 12 months of perfect repayment history.3 Key Takeaways1. Lending is a Math Problem, Not an Emotional One: Banks are essentially "buying your reliability." If the numbers stack up and you fit the current policy "box," the loan gets approved. When life events like divorce or business hurdles change your numbers, the solution lies in finding a lender whose policy box has shifted to match your new reality.2. Not All Lenders Are Created Equal: There is a massive hierarchy between Major Banks, Second-Tier lenders, and Non-Conforming (Third-Tier) lenders. If you don't fit the "Big Four" criteria, you might pay a premium, but that doesn't mean you're unborrowable—it just means your risk is priced differently.3. The "Ongoing Review" is Part of the Life Cycle: A loan is not a 30-year "set and forget" contract. Because bank policies and your financial health are constantly evolving, a review every 6–12 months is essential to ensure you aren't paying a "loyalty tax" to a lender whose risk appetite has moved away from your profile.

What if someone promised you a rainbow-laden unicorn… with pegasus wings… at the closing of your real estate transaction?

Send a textSwapping first-time homebuyer journeys with San Antonio Realtors Matt Reyna and Zach Enriquez—what we believed going in, what surprised us, what almost derailed the process, and what we'd do differently today.Most people think buying your first home is a math decision. In real life it's emotional, messy, and full of bad advice from friends, family, and social media. In this episode we break down the real first-time buyer experience from three angles (Realtor + Realtor + Mortgage Lender), including what matters most: credit, income, mindset, equity, and how to stop letting other people's opinions talk you out of building wealth.In this episode you'll learn:- The biggest first-time homebuyer myths (and what's actually true)- How credit and planning impact your options (even with zero down programs)- Why “keeping up with the Joneses” keeps people renting- How equity can become a long-term wealth tool (not just a house)- What Realtors and lenders wish buyers understood before shoppingGuests:Matt Reyna — San Antonio RealtorZach Enriquez — San Antonio RealtorPowered by LoanBot — Smarter Mortgage Matching (App Store + Google Play)

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

As demographic shifts, rising complexity, and evolving income trends reshape the lending landscape, brokers have a powerful opportunity to step up. In this episode of In Focus, Annie Kane speaks with Ryan Harkness, co-founder and COO of ORDE Financial, about why non-bank lenders are becoming critical partners in helping brokers support self-employed Australians, complex borrowers, and the next wave of upsizers. Tune in to learn: Why complex scenarios are where brokers build the strongest client relationships. How population growth and changing workforce trends will impact lending demand. What role non-banks can play as income streams become more diverse. And much more!

Kokkie Kooyman – Director, Denker Capital SAfm Market Update - Podcasts and live stream

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

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we go through the latest prepayment data and what it says about borrower sentiment. Plus, Robbie sits down with Milliman's Jonathan Glowacki for a discussion on why “lender choice” that allows mortgage originators to select among approved credit scoring models may understate risk by producing meaningfully higher default rates within the same score bands, shifting more credit risk onto the mortgage system while reducing risk-based fees and potentially weakening the economics of the GSE guarantee. And we close by looking at a very robust delayed January payrolls report.This week's podcasts are Sponsored by Cenlar. Cenlar supports lenders and investors with scalable, best-in-class loan servicing built for today's complex market. From compliance to customer experience, Cenlar helps portfolios perform better, borrowers stay supported, and servicers focus on growth. We're proud to partner with a true industry leader.

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

Ashley Sellers of Equifax sits down with Jordan Sullivan, Director of Retail Lending at CSL Financial, to explore how modern credit scoring is reshaping mortgage lending. As one of the first lenders to adopt VantageScore for underwriting, CSL shares real-world results, from higher approval rates and lower costs to stronger portfolio performance. The conversation dives into affordability, trended credit data, thin-file borrowers, and why delaying adoption of new credit models may be a competitive disadvantage for lenders navigating today's evolving credit ecosystem.Economist Justin Begley of Moody's Analytics provides our economic update.In this episode:Why did CSL Financial adopt VantageScore for underwriting?CSL Financial adopted VantageScore after internal testing showed it was a stronger predictor of credit risk than legacy models. The lender found it better aligned with borrower behavior and more effective for evaluating thin and non-traditional credit files.How does VantageScore help lenders approve more borrowers?VantageScore uses trended credit data to evaluate whether a borrower's financial behavior is improving or declining over time. This allows lenders to make more informed decisions than snapshot-based models, helping qualified borrowers who may have been overlooked receive approval.What results has CSL Financial seen using VantageScore?Since adopting VantageScore, CSL Financial has increased loan pull-through rates from approximately 8% to nearly 20%, while maintaining stable delinquency levels. The lender has also reduced credit-related costs and improved portfolio performance. Who benefits most from VantageScore-based underwriting?Borrowers with thin credit files, limited credit history, or past credit challenges benefit most. This includes younger borrowers building credit and older consumers who have paid off debt and have limited active tradelines.Why is delaying VantageScore adoption a competitive disadvantage?Lenders who delay adoption risk higher costs, lower approval rates, and less accurate risk pricing. Early adopters like CSL Financial report both operational savings and stronger credit outcomes, making modern scoring models a competitive advantage.

1 hour and 49 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Men's Basketball vs Michigan State Starts at 0:51 Where's Tre Holloman at?? Michigan's first victory at Breslin since 2018. They managed to blow all of their 16 point halftime lead but only briefly. This year didn't have the same "helplessness" vibe of previous years. The grifting from Jeremy Fears was incredible. Michigan State's offense ended up being generating bogus calls and then hitting free throws. Their roster doesn't have the best athletes in the world but they have guys that have stuck around for a while. Trey McKenney is becoming a much bigger piece of this team, if Michigan goes on a tournament run it could be because he steps up as a major contributor. Is he the 6th man? They're running a lot of offense through Mara, maybe that should be going through Morez Johnson instead. Michigan is back to #1 in Kenpom and is projected to win the Big Ten outright but the end of the schedule is very tough.  2. Men's Basketball vs Nebraska Starts at 29:17 The vibes here were considerably worse! Nebraska was getting an alarming amount of open looks. Michigan wins by shooting what felt like 70% from two. Some of Cadeau's turnovers were just inexplicable. We can't pronounce Berke's name so he's just Berke Boyband. The studies say that every conspiracy theory you have about officiating is true. Pass blocking is not actually allowed in basketball. Nebraska is legit, this was a tough game that Cadeau almost gave away. Shout out to Fred Hoiberg for coming in with a great gameplan for confusing Michigan. The overturn on the challenge made no sense, how was that possibly clear? Should Michigan be going inside more when the threes aren't dropping? Michigan was missing open threes. They beat a top 10 Kenpom team while shooting 23% from three, that's impressive no matter what. Was LJ Cason unplayable?  3. Hot Takes and Hockey vs Ohio State Starts at 52:18 Takes hotter than Yaxel Lendeborg at the free throw line. Michigan gets five of six points over Ohio State in a frustrating manner. Stephen Peck played a great game on Saturday until the last five minutes. They're missing points here and there against teams that they're better than. Wisconsin somehow went from #1 to might miss the tournament. Michigan State is only one point behind in the Big Ten rankings.  4. Gimmicky Top Five Sports Villains Starts at 1:14:40 We're born haters so it's time for a gimmicky top five sports villains. There are a surprising number of ways to define "villain" in this context. There's a lot of NHL discourse because you used to just get paid to hurt people. Which Big Ten commissioners make the list (spoiler: all of them). Not posting spoilers here but yes there is a certain Wisconsin basketball player. Who's on your list?   MUSIC: "Moody"—Royel Otis "Silver Joy"—Damien Jurado "Sweet and Dandy"—Toots and the Maytals “Across 110th Street”—JJ Johnson and his Orchestra   

John Chang interviews Josh Jacobs about why the long-anticipated wave of multifamily distress is finally showing up across select Sun Belt markets. Josh explains how aggressive bridge financing, rising interest rates, slower rent growth, and new supply have converged to force lender-driven sales, receiverships, and recapitalizations—particularly in Gulf Coast states. He breaks down how debt funds, banks, LPs, and preferred equity are navigating defaults, why many sponsors are being wiped out, and what actually happens when lenders step in. The conversation closes with a clear-eyed look at where disciplined investors may find opportunity as pricing resets heading into 2026. Josh JacobsCurrent role: Senior Managing Director, Marcus & MillichapBased in: Birmingham, AlabamaSay hi to them at:  josh.jacobs@marcusmillichap.com | https://www.linkedin.com/in/josh-jacobs-b142461b2/?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=android_app Visit ⁠www.tribevestisc.com⁠ for more info. Try QUO for free PLUS get 20% off your first 6 months when you go to quo.com/BESTEVER  Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/  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

On today's episode, Editor in Chief Sarah Wheeler talks with Jason Mitchell, founder of the Jason Mitchell Group, about recent lawsuits targeting the referral relationship between mortgage lenders and real estate agents. Related to this episode: Rocket Companies faces lawsuit over mortgage steering HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire To learn more about Trust & Will click here. The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

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

1 hour and 31 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. Around the Big Ten with Jamie Mac Starts at 0:51 Indiana Football won a natty. We say again: Indiana Football won. A natty. The Ohio State fans are crying Signs, it's great! Putting this in context because there hasn't been a more surprising national champion in any sport? Maybe Leicester but IU had the worst W% historically of any champion. Arc of college football is the big schools consolidate their chances of winning—last time a new school entered the ring it was Florida, which represented a demographic shift. What does this mean? Not a secret sauce but IU built similarly to 2023 Michigan: a base of players who played together a long time and some elite pieces added. They get better ROI by ignoring HS recruiting, put a lot of time and money into scouting. Similarity to Dusty May in that Cig knows what he needs and scouts the hell out of the rest of the sport. [The rest of the writeup and the player after THE JUMP]  2. Hot Takes and Men's Basketball vs Ohio State Starts at 27:20 Takes hotter than it's not outside. OSU game was annoyingly close. At one point Michigan was 2/16 from three and under 50% from the charity stripe. Biggest story of the game is the way Michigan held Bruce Thornton in check—the one hedge to center court that Mara got called for a foul was an awful call, but a proof of concept for how they defended OSU, which was to not give Thornton any space. Great Crisler crowd kept getting into highs and then a low-percentage event would derail, like their 17%-shooting big Christoph Tilly making a pair of threes (one a bank), 24%-shooting Amare Bynum making a deep contested jumper, and Mobley getting a bank three as shot clock is dying. Missed front ends made FT shooting feel extra annoying, somehow righted in the 2nd half. Big part of that was 21 good minutes from Trey McKenney. Liked Cason and McKenney more than Cadeau in this one: OSU has a 7'0" center and a 7'2" center but both of them are glued to the floor, which favors YOLO players. Annoying turnovers trying to figure out their zone. 3. Men's Basketball vs Indiana and a Nebraska Preview Starts at 54:03 Less annoying game, as Indiana was without Tayton Conerway for all but two minutes, and nobody else has the ability to get to the rim. IU couldn't even get the ball inside the three-point line. They finished 11/34 (32%) from three and that was because they made twice as many as they should have. IU only got five ORebs as they abandoned the glass to stop Michigan's transition game but terrible Nick Dorn shots that went off the back iron were their best way of getting the ball in the paint. Final score doesn't reflect the game because once Michigan got up 20-5 they put it in cruise control—this time it wasn't LJ Cason on the one drive for a layup. Will Tschetter's defense on Tucker DeVries was also a major factor. Nebrasketball is truly good. Very well-coached team, has a good system that turns everybody into Nebraska: 11th in taking threes, 6th in opponent 3PA/FGA. Have to slow down the game to protect stretch C Rienk Mask, who's the key to that offense. Might be without small four Braden Frager and been without SG Connor Essegian most of the year so there's a 23% shooting big in Berke "the Turk" Buyuktuncel that you can hide Mara on. The problem with that is it takes Mara out of the paint so you can't get away with playing as aggressively on the perimeter. Think we saw the prototype for how they want to play against Nebraska in that Oregon game. Might be able to do what Illinois did, was to take shots but then crash the glass because they don't have a lot of size. 4. Women's Basketball wsg Ira Weintraub Starts at 1:15:12 Time to get to know the best women's team in school history. Three losses were all similar: got way behind in the 1st quarter, fought their way back, came up short. Defense is fantastic, play the full court and cause a lot of turnovers which creates offensive opportunities. Get bogged down a bit in the half court and struggle to make their FTs. WBB officiating is beyond atrocious. Washington loss was a schedule thing after 2OT late game vs Oregon, but UConn and Vandy losses showed they can play with the elites and just need one more big basket from the super sophs. Hockeybear is blogging the team and making Team Sheets (key). It's not so easy is it? Super sophs: Holloway runs the offense and sets the defensive tone, Olson is a bucket, Swordsy is hero, and then they're getting a year from a growing Delfosse and UCLA transfer Dudley. Mostly a seven-woman rotation with Sofilkanich giving them some size inside, BQD a nightmare of a defensive pest, and then growth from Crockett who gives them some more size when they need it. Can they compete with the ELITE-elites? Nobody's unbeatable this year; Michigan is a solid two-seed, feel like floor is Sweet 16, has the make of a team that ends up losing a Final Four game en route to a big run next year.   MUSIC: "Getting Killed"—Geese "Forever Never Ends"—Jeff Tweedy "Downhill"—The Delivery Boys feat. Goldwood, Max Gertler & LOSTBOYBK “Across 110th Street”—JJ Johnson and his Orchestra

Willy Walker joins Onward to share how he scaled a small, local mortgage shop into a national real estate finance platform—what he got right, what he'd do differently, and the leadership lessons he learned the hard way. We talk about the pivotal decisions that unlocked Walker & Dunlop's growth, how to lead through a crisis (2008 and COVID), what it really means to be a public-company CEO, and why he's cautiously optimistic heading into 2026.—For a deeper dive into these insights and more, be sure to listen to the full episode of the Onward podcast.Have questions or feedback about this episode? Drop us a note at Onward@Fundrise.com. Onward is hosted by Ben Miller, co-founder and CEO of Fundrise. Podcast production by The Podcast Consultant. Music by Seaplane Armada. About Fundrise With over 2 million users, Fundrise is America's largest direct-to-investor alternative asset investment platform. Since 2012, our mission has been to build a better financial system by empowering the individual. We make it easier and more efficient than ever for anyone to invest in institutional-quality private alternative assets — all at the touch of a button. Please see fundrise.com/oc for more information on all of the Fundrise-sponsored investment funds and products, including each fund's offering document(s). Want to see the specific assets that make up and power Fundrise portfolios? Check out our active and past projects at www.fundrise.com/assets.

Used Car Week 2025 featured a panel focused on the state of auto finance. Led by Jennifer Martin of the NAF Association, Christopher Mitcham of Santander Consumer USA, Mary Leigh Phillips of Bridgecrest Acceptance and Amy Brooks of Chase Auto shared dialogue about affordability and other elements influencing how lenders can navigate the current landscape. The discussion is now available through this episode of the Auto Remarketing Podcast.

Ever wish you could peek into other agents' most challenging situations and hear exactly how to handle them? That's what this episode is all about. We asked our listeners to send us their real estate dilemmas—and they delivered!   In Episode 337, we're analyzing real-life real estate scenarios: anxious buyers, builder referral incentives, tricky team splits, disclosure dilemmas, expired listings, and more. Some of these situations are tricky. Others are all-too-familiar. But every single one gets our honest take and plenty of actionable advice.   We cover the real reason clients push title companies, how to build agent referral networks that *actually* work, and what happens when you're asked to list a property next to your own rentals. Plus, Alissa shares how working with "difficult" clients early in her career turned into high-end referrals later. And Katy reminds us: don't guilt-trip yourself out of success just because your lead generation strategy has evolved.   Here's what we cover in this episode: - How to handle buyers who move too fast   - Tips for buyer consults on the fly   - New construction vs resale: what's better for a new agent?   - Should you disclose you own the property next door?   - Builder incentives and loyalty dilemmas   - Lender/title kickbacks and your ethical obligations   - When a deal falls apart—and whether to leave a bad review   - Real talk on referral networks: what works and what's a waste   - What to do when "difficult" clients land in your lap   - Should agents retire and sell their book of business? Key Quotes & Takeaways "Just because a builder offers incentives doesn't mean it's best for your client or worse. You have to get the fee sheets and compare." – Alissa "Doing your buyer consult at the first showing is totally acceptable, just be prepared and flexible." – Katy "Using your preferred lender is a luxury, not a requirement. The client comes first." – Alissa "If you're getting enough business that you don't have time to look for business... what's the problem?" – Katy "If you can handle the difficult clients, you can earn the better ones." – Alissa Products, People & Previous Episodes Mentioned: Email Templates 101 – http://emailtemplates101.com Agent Systems 101 – http://agentsystems101.com FREE Database Template – http://hustlehumblypodcast.com/starthere Want to toast someone on the show? Send us a voice or video message with your name, who you're toasting, and why! Email it to team@hustlehumblypodcast.com.  

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. Transfer Portal - Offense Starts at :51 The portal is closed! The only windows remaining are for a coaching change and for Indiana/Miami after the national championship game. Transfers, NIL, and contracts have been weird this cycle. Will Diego Pavia be in college until he's 45?? Thank you Davis Warren for beating Ohio State in the Funniest Game Ever. Brayden Fowler-Nicolosi is your backup QB out of Colorado State where he threw for over 7,000 yards. That's a "we don't practice f*cked" pick-up. Jadyn Davis's recruiting profile was a huge miss. Georgia Tech is a cool place for Justice Haynes, we're still not sure if Kuzdzal is returning. Taylor Tatum comes in from Oklahoma after a case of fumble-itus and several other ailments. Now he might actually have a good running backs coach. They retained Andrew Marsh - massive. The wide receiver room looks great, the only thing missing is a dedicated slot receiver but Michigan hasn't really utilized the role in a while anyways. Marlin Klein declared for the NFL draft but is he going to get drafted? The remaining tight ends and fullbacks should be good and viable options, they didn't get anyone out of the portal. JJ Buchanon doesn't count since he's being listed as a wide receiver. The offensive line is mostly retained which has star power potential. Overall the offensive line held serve besides losing Haywood, overall an A-grade. Would you give the offensive portal recruiting/retention an A all across the board? Could this become a... top ten offense?  2. Transfer Portal - Defense Starts at 41:41 Defensively is more of a mixed bag. Defensive end lost a lot of guys to graduation but only Devon Baxter to the portal. John Henry Daley is questionable based on his health, but if he's healthy you get Derrick Moore (but who actually plays more). Defensive tackle doesn't lose anyone noteworthy to the portal. You get back Trey Pierce and Enow Etta. Jonah Leaea was like a young Mo Hurst, he needs another 20 pounds. Defensive tackle has depth, just not star power, this wasn't a spectacular portal season for them either. This gets a solid B. Linebacker is the trouble spot. They lose Ernest Hausmann to eligibility/spirit quest, Cole Sullivan to Oklahoma, and Jimmy Rolder to the draft. The guys they bring in are uhhhhhh. Aisea Moa knows Jay Hill's system so he could possibly play but doesn't seem like he'll be all-Big Ten. This is a D, it's close to an F. At cornerback, you get Jyaire Hill, Zeke Berry, and Snowden. Jayden Sanders to Notre Dame stings. Let's.... talk about the allegations of sabotage and blackmail? Cornerbacks situation gets a... C+. Safety loses Brandyn Hillam and Elijah Dotson. Is Bryce Underwood the only guy to come from Belleville and last for over a year? Is Rod Moore going to play? Who knows. Chris Bracy comes in from Memphis, who comes in with a historic tale of a fabled fumble. Safety starters could be Bracy and Rod Moore, Mason Curtis to linebacker. You have six safeties? How many are going to play in a Cover-1? Defense overall gets a C, they probably didn't get better or worse. How much of the Wink disdain will have been warranted? If Daley doesn't get healthy who is going to be the star on this defense? Maybe they'll be like the offense last year - lots of potential but not quite there yet.  3. Hot Takes and Basketball vs Washington and Oregon Starts at 1:23:58 Takes hotter than Utah's athletic director on Twitter. Michigan basketball sweeps their west coast tour, they don't dominate but give a solid beating in both games to not-great teams. Michigan and Oregon were close to identical at the rim. You're starting to see the cracks in the armor of this team. Sean Stewart is an elite flopper. What did Dusty possibly say to warrant a technical? Elliot Cadeau was pretty efficient but gets too close to the face of guys on the perimeter and then gets beaten. He tries things that are just a little too ambitious too often, these things usually don't work. Indiana doesn't match up with Michigan at all, Trey Burke to get honored at the Ohio State game. It's about to get real for Nebraska.  4. Hockey vs Minnesota Starts at 1:54:54 Michigan gets an almost-sweep of Minnesota getting 5 of 6 points. It's hard to believe this is what Minnesota's hockey team looks like, they've fallen a long way. Minnesota didn't go into the portal or the CHL and just doesn't have the same talent as they used to. Even the announcers were saying "oh, don't do that!" Seven saves in one minute is pretty incredible. Michigan State is still the one team that can match up with Michigan. Michigan is probably in the best spot since the 2022 team when they were number 1. Is there anything Warde Manuel has done that makes you think Michigan hockey will be on a local television station? Four Big Ten teams are in the top 10 of NPI.  MUSIC: "Secret Loving"— Dry Cleaning "Dancing In The Club"— This Is Lorelei & MJ Lederman "Random Rules"— Silver Jew “Across 110th Street”—JJ Johnson and his Orchestra   

This week on the Chamber Podcast, Rob sits down with Steve Grech, CEO of LOC Credit Union, and Stephanie Hamlin, Community Impact Manager, to talk about what it really means to be a community-first financial institution. With 90 years of history and more than 50 years serving Livingston County, LOC focuses on doing a few things exceptionally well, from affordable car loans and home equity lending to strong digital banking paired with real human relationships. Steve shares how LOC differentiates itself in a crowded financial market through thoughtful lending practices and service-driven culture, while Stephanie highlights the credit union's deep investment in financial education, school partnerships, and local programs that build confidence from elementary school through adulthood. The conversation offers a clear look at how staying focused, accessible, and people-centered helps LOC strengthen both financial health and community trust. 00:00 LOC Credit Union's Journey 03:12 What Makes LOC Unique? 06:00 Building Trust Through Relationships 09:15 Financial Literacy in Schools 12:22 2026 Initiatives and Community Engagement 15:15 Lending Wider and Deeper Show Links Learn more about the Brighton Chamber by visiting our website. Website: https://www.brightoncoc.org/  Guest Links Website: https://www.loccreditunion.com/ Guest Info: LOC celebrated our 90th Anniversary in 2025 with 6 locations across Livingston, Oakland and Wayne Counties. We like to think LOC stands for Lender of Choice for Auto Loans & Home Equity Loans while focusing on delivering five-star member service.   Our Brighton Branch opened in June of 2024 and is located on Grand River Avenue just outside of downtown, next to Planet Fitness and AutoZone.  We have had a presence in Livingston County for 50 years. In 1976 we opened in Howell and have been at our current location on Grand River since 1997. Our current Hartland location opened in 2007 at Old 23 and M59. As we continue to invest in Livingston County, we will be building a full-service branch with a drive thru in 2026. This branch will be adjacent to the Hartland Target parking lot.  Community Sponsorships and Volunteer Involvement:  In 2024 we partnered with Bountiful Harvest when we made large financial donation upon the opening of the Brighton branch in 2024. We continue to support their mission by providing an annual cereal drive where the donations stay right here in Livingston County and our staff volunteers at the food bank.  Brighton, Howell and Hartland - Athletic Business Sponsorships  Brighton Chamber Efforts and Events- the Farmer's Market Flower Day- Bouquet Building Station, Volunteering at Chamber Events such as the Smokin Blues and Brighton Holiday Glow Reindeer Game Sponsorship.  For the third year in a row, we sponsored the Tunnel of Lights at the Millpond Bridge for the community to enjoy a seasonable photo opportunity. Financial Literacy and Education Efforts The Community Impact Team provides a variety of financial education classroom experiences for grades K -12. Creating hands on experiences that give students a solid foundation for the real world. We also operate 19 student-run credit unions across Farmington and Livingston County that give students an independent interactive experience with banking and managing money.

Putting Rental Property in a Trust - Lender Rules

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. Transfer Portal - Offense Starts at :51 Never doubt the law of conservation of vibes. The Penn State basketball game saved the offensive line. This was recorded on Sunday at noon so by the time you listen to this, things have probably already changed (hello, Jaime Ffrench). It would be nice to get a backup QB in the portal (hello Brayden Fowler-Nicolosi). Justice Haynes has hit the portal, might be going to Georgia Tech, and Oklahoma RB Taylor Tatum is in. So far he's struggled with fumbles and a hamstring injury but Oklahoma's RB coach is one of the worst in P4. He might be a Moneyball situation. Kuzdzal might be coming back? Jaime F-f-f-french is in and if JJ Buchanan joins then we have an actual wide receiver room. Still need a tight end? Offensive line got their guys back, we're un-mad now. Need some depth at center, though.  [The rest of the writeup and the player after THE JUMP]  2. Transfer Portal - Defense Starts at 27:11 Not as sunny as the offense right now but it can change at any time. How we feel so far depends on the status of John Henry Daley's Achilles, he could be a Derrick Moore comparison if healthy. Defensive end looks pretty set. Defensive tackle... they get Pierce back. They do get Jonah Lea'ea from Utah who was a bit undersized and needed another year to develop. Enow Etta's return has turned from optimism to pessimism. Hopefully Alister Vallejo is ready as a freshman. At linebacker Rasheem Biles is off the board, they are hosting Cade Uluave from Cal, an all-ACC linebacker. Jimmy Rolder has declared for the draft and is #692 on the NFL Mock Draft database. The secondary isn't entirely in the portal but it's alarming, safety is now a concern. Surely we'll find out more about safety this week because you can't go into a season with three safeties. Per Trevor McCue, Jay Hill doesn't rotate the secondary at all! Kerry Coombs got his guys for special teams, they've got a kicker from Pitt, Trey Butkowski. This offense could be really good and not need to rely on a kicker who can hit field goals from the 37. Overall, get in a safety or two and ideally a good defensive tackle and this team is really close to being very competitive. When's the last time the offense was better than the defense, 2011?  3. Hot Takes and Basketball vs Penn State and Wisconsin Starts at 1:05:25 Takes hotter than Wisconsin three point shooting. Basketball is no longer invincible. This must feel the same as when Matt Painter had to play Mo Wagner. Michigan got out-rebounded pretty badly which feels like a major failing given the line-up. They need to play a little dirtier in the paint. Michigan and Wisconsin were shooting back-to-back threes until Michigan fell off. The offensive goal-tending ruling was the rule. Wisconsin doesn't send many guys to the offensive board, they tend to get back and trying to get transition baskets isn't worth it. A key for Michigan going forward is how stretch is everyone's five? Wisconsin shot 12 points higher than their expected for the number of threes they shot.  4. Hockey vs Notre Dame Starts at 1:28:57 Michigan escapes a bad Notre Dame team but loses goalie Jack Ivankovic for "some period of time" (possibly the season). The hit was unfortunate but probably not malicious. There are strong words said about these officials. Naurato has said in his press conferences that "I can't say what I want to say." Big Ten hockey is one of the best leagues in the world and the Big Ten treats it like the 4th most important sport. Freshman goalie Stephen Peck is now your starter. The defense needs to step way up to support their new goalie. If the season ended today they'd still be the number one seed in the tournament, though. Part of that is because of Ivankovic.  MUSIC: "One Tiny Flower"— Jeff Tweedy "Don't Do Me Like That"— J. Mascis "Falling Behind"— Laufey “Across 110th Street”—JJ Johnson and his Orchestra   

John Palke and I were introduced at a Realities for Children event some months back, and when we finally enjoyed a coffee together, I knew he had a story that I had to dig into and share! In real estate since 2019, John had previously been a commercial fisherman in Alaska (where he once fell in the water and nearly froze to death), was a partner in one of my favorite band bars, Hodi's Half Note, and worked in operations at Vestas - until he realized giant windmills were a mostly a heavily subsidized boondoggle.  After getting into real estate with a name-brand firm, John became a partner in a property management business, Big Bear Properties.  During the refi boom, he referred a full-time income worth of mortgages to a friend - who  encouraged to become a licensed mortgage broker - allowing him to provide full-service real estate for investors - or a la carte for anyone!   In 2025, he decided to go his own way in real estate, founding BBP Realty almost exactly a year from when this episode was released. John's a great storyteller, and I enjoyed every bit of this conversation - and I think you will too.  So please join me in getting to know and love my new friend John Palke.  The LoCo Experience Podcast is sponsored by: Purpose Driven Wealth Thrivent: Learn more

2 hours and 5 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 USC Starts at :51 Basketball gets to go first because they've earned it. They're the number one team on Kenpom by a full five points and the second highest rated Kenpom team of all time. Michigan shot 20% from three and still beat a top 25 USC team by 30 points. This was the Morez Johnson game. Michigan has three of the top five players in the Big Ten. What does a Michigan loss look like? Dusty May has done a great job working on Roddy Gayle, auto-benching with this team is fine. The cutoff for Kenpom to think you're a rotational player is 10% of team minutes, Grady and Goodman are both above this metric. The things that Michigan are good at are things that are very repeatable. There are different levels of Kenpom Time every time Michigan plays. It's weird to say this but it's good that Michigan gets Nebraska at home, they're spicy.  2. Football vs Texas Starts at 24:34 The Citrus Bowl came and went. We were hoping we could learn things about this offensive line going into the off-season then a lot of them went and hit the portal. Kuzdzal played an encouraging game but there were still a few moments of "I wish Jordan Marshall had hit that hole." Bryce Underwood did get some explosive runs, this will be nice for a new coaching staff that likes to run the quarterback. He was put in a lot of positions to fail towards the end of the game. Kerry Coombs did some things with special teams! Wow Michigan drew holds finally. We are done with the Wink Martindale era. Michigan had zero pass rush.  3. Hot Takes and Coaching Staff Starts at 40:11 Takes hotter than the basketball team, this will be the intro until any reason otherwise.  Offensive Coordinator - Jason Beck Came in from Utah, was at New Mexico before that. Has had some very successful offenses. Was a spread-heavy coach at New Mexico and became Whittingham-ized at Utah. Seems like a seamless fit, he should know what to do with Bryce Underwood. Running Backs Coach - Tony Alford It's working, good work keeping him around. Wide Receivers Coach(es) - Micah Simon and Marques Hagans Micah Simon doesn't have a lot of experience, he followed Beck. How much coaching does it take to get someone to catch the ball?  Tight Ends Coach - Freddie Whittingham He's developed some studs. Kyle Whittingham's brother, does not feel like a nepotism hire. Offensive Line Coach - Jim Harding Has two first round tackles this year. Probably could not have gotten a better o-line coach. Michigan has players trickling into the portal but you've got The Guy coaching next year's group. A lot of offensive linemen got recruited by Sherrone so it's not a shocker that some players are looking elsewhere.  Defensive Coordinator - Jay Hill Turned Weber State into a powerhouse. He has coordinator and head coaching experience, seems good. He has coached college his whole career rather than coordinate NFL defenses. Defensive Ends - Lewis Powell Specializes in Polynesians. Has a spectacular track record of developing defensive ends. Brian pledges to figure out how to pronounce all the Polynesian names.  Defensive Tackles - Lou Esposito Continued from last year. You can get more assistant coaches now so it makes sense to split DEs and DTs.  Linebackers Coach - Alex Whittingham Kyle's son, spent eight years with the Chiefs. Apparently Andy Reid played with Kyle Whittingham. This one is a bit more of a nepo hire but he has moved up the ranks.  Defensive Backs Coach - Jernaro Gilford BYU fans are upset that he's leaving which is a good sign. There aren't a lot of cornerbacks in the portal, hopefully he can find some guys.  Special Teams - Kerry Coombs Gets to keep the job he got right before Sherrone was fired. His previous Special Teams have been in the 30ish rank. He's not a slam dunk but should be solid.  4. Transfer Portal Starts at 1:42:43 It's Portal Takes season, we have not yet gotten to Portal Gives season. Guys who are in the portal are not necessarily gone. Jadyn Davis, Davis Warren, Ben Roebuck, Connor Jones, Devon Baxter, Semaj Morgan, Jaden Mangham, and Jasper Parker are guys who will probably get better opportunities elsewhere. Elijah Dotson, Brady Prieskorn, and Kaden Strayhorn are guys you'd like to keep around. Zeke Berry, Jake Guarnera, Andrew Sprague, Cole Sullivan, and Enow Etta are the "ouch" group. Some guys have left the door open. Would really really like to get Guarnera back, Sprague sounds like he's going to Texas. Most folks who are going to enter the portal have but we're not out of it yet. Keep an eye on Utah defensive end John Henry Daley, cornerback Smith Snowden, and safety Tao Johnson. Cole Sullivan would be a great fit in this defense, would love to keep him. They need guys (plural) on the defensive line, especially at defensive tackle. Even if you keep Andrew Marsh you would like to get a wide receiver or two. Might want to look into a punter or a kicker, maybe with a new staff we can finally move on from the 2015 Michigan State game.  MUSIC: "Nothing I Need"— Lord Huron "A Couple Minutes"— Olivia Dean "Cotton Mouth"— fanclubwallet “Across 110th Street”—JJ Johnson and his Orchestra   

Building a successful vacation rental portfolio isn't just about numbers—it's about strategy, intuition, and having the confidence to trust both. In this episode, we explore what it really looks like to invest with intention, think long-term, and build a business rooted in education rather than hype.In today's episode, I sit down with the incredible Parker Borofsky, whose passion for lending and vacation rental investing shines through every story she shares. From her early days as Avery Carl's lender to becoming a seasoned investor herself, Parker offers a behind-the-scenes look at a journey shaped by curiosity, courage, and thoughtful decision-making.In this conversation, Parker shares:How her early career in lending gave her an “under the hood” view of what truly makes a short-term rental successful—and how she used that insight to build a portfolio spanning the Smokies and Florida's PanhandleThe remarkable story behind acquiring a bona fide Frank Lloyd Wright home in Kentucky, including the family connections and moments of serendipity that led her thereWhat it's really like to invest during uncertain and unpredictable times, and why balancing solid research with gut instinct allowed her to seize opportunities others overlookedThe unique challenges and rewards of restoring and short-term renting a historic home, from navigating appraisals to thoughtfully weaving the property's history into the guest experienceWhy putting heart and education above hype—and surrounding yourself with the right community—is essential to building a more meaningful, sustainable businessParker's insights and grounded enthusiasm make this episode a must-listen for anyone looking to build a smarter, more intentional vacation rental portfolio. It's filled with practical takeaways, mindset shifts, and real-world lessons for scaling with clarity and purpose.HIGHLIGHTS AND KEY POINTS:[01:00] A short introduction about our guest Parker Borofsky, and how she got into investing in short-term rentals[03:00] Parker walks through her growing short-term rental portfolio across Tennessee, Florida, and Kentucky, highlighting a pivotal purchase in Townsend, Tennessee[08:43] Parker explains how intuition, timing, and storytelling led her to an unexpected Kentucky purchase[13:01] Parker shares how stewardship and storytelling shape the experience of owning a Frank Lloyd Wright home[18:56] Parker reflects on the emotional full-circle of stewarding a historic Frank Lloyd Wright home[21:24] Parker dives into the complexities of securing a mortgage for a one-of-a-kind Frank Lloyd Wright home, emphasizing that unique properties often create appraisal challenges[26:51] How to handle appraisal challenges for unusual properties, emphasizing preparation, collaboration, and clear communication[31:24] Parker talks about the mortgage options that are trending for real estate investors, particularly for self-employed borrowers or those with complex income streams[34:57] The importance of connecting with experienced loan officers as a critical first step for anyone looking to grow their property portfolio in 2026

2 hours and 45 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. Kyle Whittingham Reaction Starts at :51 Brian can't make fun of the name "Kyle" anymore. Woah, Alex Drain is here! Did Kyle Whittingham get pushed out of Utah? He's 66 but could probably beat up several members of the current team, he doesn't feel too old. This might be the best guy to hit the ground running with Bryce Underwood. He's had a 20+ year stretch of success and it's mostly over-performing expectations statistically. Are there concerns about the way this would translate to Michigan? Utah folks are asking if we're prepared for limited media availability, a coach who can sound like a jerk, and a 300 lbs fullback. Yes, yes we are. Kyle Whittingham's risk for scandal seems extremely low. How many coaches in the Big Ten would you pick over him? His dad's nickname was "Mad Dog". A brief history of his success over his coaching career, which included two PAC-12 Championships. Kyle lets his QB run the ball, Bryce's output this season would've been the worst for Utah going back at least a decade. Harbaugh had a great hit rate on sleeper recruits, Whittingham should as well. He has some very Harbaugh-adjacent quotes as well. What's your letter grade for the hire? [The rest of the writeup and the player after THE JUMP]  2. Assistants Starts at 42:48 The new staff is coming together pretty quickly. Jason Beck is lining up to be the offensive coordinator, coming in from Utah. Alex details his history as a coach which was mostly as an offensive coordinator and QB coach. He likes hybrid players and will love the tight end room. Jay Hill is lined up from BYU as defensive coordinator, BYU fans are not thrilled that he's leaving. He took a 100ish ranked defense and turned it into a top 25 defense. He also made Weber State a powerhouse while he was there. He'll play more man-defense than we're used to which might not be what we want against Ohio State. Jay Hill could also be a head coach in waiting down the road. It feels like the defense is going to be coached again. Jason Beck could be a QB coach but there are rumors that Koy Detmer Jr could come in as an analyst/QB coach. All signs point to Tony Alford being retained. Ron Bellamy will probably stick around, they still need a Michigan guy and he might be the most "Michigan Guy" on staff. Freddie Whittingham could likely come in at tight ends coach, he is not a nepotism hire. He could also be a recruiting coordinator guy if you want to keep Grant Newsome around. Jim Harding could be the offensive line coach coming out of Utah. Lewis Powell might be coming in as defensive ends coach out of Utah. Lou Esposito might stay at Michigan. Linebackers coach is the one area where we haven't heard anything. Whittingham has mentioned going after a coach that is still in the playoffs. Jernaro Gilford might follow Jay Hill as the defensive backs coach. LaMar Morgan is a good recruiter so maybe you keep him. What about Special Teams coach? Time to move on from Kerry Coombs already? How would you grade these potential hires?  3. Hot Takes and The Search, Revisited Starts at 1:38:48 Takes hotter than the Utah message boards. It was a wild ride getting from DeBoer, Fisch, or Dillingham to here. A lot of information was coming from agents getting names out there. A lot of people said "Biff Poggi could get the job" and it was never going to happen. Did Michigan really never go and try to offer Dillingham a job? It feels like his people really hyped him up. We might be having a very different conversation if that Oklahoma receiver would've just caught that ball. Everyone penciled in Dillingham after the Oklahoma Alabama game and then he signs an extension. Whittingham was unemployed, he probably didn't have agents hyping him up. Brian still likes Jeff Brohm. Interestingly Penn State never went after Whittingham but once the Michigan job opened up he said he was "in the transfer portal." Why was Biff Poggi on that podcast? He was shooting his shot for a job but it was never going to happen. How well did the "insiders" do and how clued in will they be on the new staff.  4. Michigan Football vs Texas Starts at 2:18:38 Oh yeah Michigan has a bowl game. The only opt-outs are El-Hadi, Derrick Moore, and Barham (and Ernest Hausmann). Maybe it's a good sign that a lot of players still want to play in this? Six of 11 defensive starters are sitting out for Texas, most of their offense is playing. Michigan's best hope is to watch Arch Manning turf five-yard outs. I guess we'll see Wink walk off the field as a Michigan coach for the last time. This feels like a zombie team right now. Does Michigan have a way to stop Ryan Wingo? The Ohio State game feels like four years ago. Are you excited for this game? A lot of big-name guys have at least remained in the recruiting class. The hope of the Sherrone era was "hopefully he just gets better at coaching" and it's a relief to just move on. What was the most enjoyable game of the Sherrone era? Not the highlight, but the most fun beginning-to-end? A lot of things about the last two to three years make a lot more sense now. A lot of paranoia and worry feels lifted, there are adults in charge.  MUSIC: "Medium Machine"—Sports Team "Inept Apollo"—Nation of Language "Where'd You Go"—Horsegirl “Across 110th Street”—JJ Johnson and his Orchestra   

More syndications are going sideways. Capital calls have become common. Tensions are rising between operators and investors…but not for all deals. If you had talked to today's guest before forming your real estate syndication, there's a good chance you'd already have a battle plan for every potential challenge. Thankfully, today, CRE's go-to legal advisor is sharing his take for free. Richard Crouch has worked on eight figure commercial real estate deals for over two decades, helping advise on disputes, defaults, and structuring. He's the one who sets up your failsafes before a deal goes sideways and advises you on the right way to resolve it once the damage has been done. Today, we're getting into the nitty-gritty that not only sponsors but also passive investors need to know. We'll talk about the “gotcha” clauses lenders can use to extract fees from you or worse…take your entire property, the right way to handle a capital call so your exit strategy doesn't fall apart, and what to do in the unfortunate event that a guarantor passes away mid-deal.  Insights from today's episode: Your lender is not your friend: the “gotchas” put in place that you must navigate around  How to handle capital calls so your investors don't feel neglected and unsettled  One thing you need to include in every single operating agreement you sign  A crucial event that can “trigger” if a guarantor passes away during a deal cycle  Opportunity for buyers: Is now the time to invest in distressed debt amid inexperienced syndicators' struggles — Connect with Richard on LinkedIn Richard's Email: richard.crouch@woodsrogers.com  Richard's Phone Number: 757-353-0969 Recommended Resources: Accredited Investors, you're invited to Join the Cashflow Investor Club to learn how you can partner with Kevin Bupp on current and upcoming opportunities to create passive cash flow and build wealth. Join the Club! If you're a high net worth investor with capital to deploy in the next 12 months and you want to build passive income and wealth with a trusted partner, go to InvestWithKB.com for opportunities to invest in real estate projects alongside Kevin and his team.  Looking for the ultimate guide to passive investing? Grab a copy of my latest book, The Cash Flow Investor at KevinBupp.com.  Tap into a wealth of free information on Commercial Real Estate Investing by listening to past podcast episodes at KevinBupp.com/Podcast.

*Previously aired episode* John Chang interviews Joe Fairless, co-founder of Ashcroft Capital, about navigating today's complex commercial real estate landscape. Fairless, who manages over $2.8 billion in assets across 14,000 apartment units, shares insights on finding opportunities amid market distress by cultivating relationships with lenders seeking capable operators for distressed properties. They discuss the record-breaking apartment absorption in late 2023, the decreasing construction pipeline, and how these fundamentals create buying opportunities despite challenging capital raising conditions. Fairless also candidly addresses lessons learned from previous deals and emphasizes the importance of "extreme ownership" when communicating with investors during difficult market periods. Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/  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

In this episode of the Power Producers Podcast, host David Carothers welcomes back Andy Mathisen, Insurance Sales Manager for Homebot. They dive into how agencies can dominate the personal lines market by shifting from transactional relationships to value-driven engagement.  Andy breaks down how Homebot serves as a "set it and forget it" tool that keeps agents front-and-center with insureds while simultaneously generating leads for loan officers and realtors—flipping the traditional referral food chain on its head. Key Highlights: What is Homebot? Andy explains that Homebot is a monthly home digest sent to insureds with a staggering 76% open rate. Unlike standard newsletters, this digest provides homeowners with real-time data on their home value, loan balance, and purchasing power (equity for refinances, HELOCs, or new purchases). The "Santa Claus" Effect: Gaining Leverage  Historically, insurance agents are at the bottom of the referral food chain (Realtor > Lender > Agent). Andy details how Homebot changes this dynamic by aggregating a "Team of Professionals" on the client's dashboard. When a homeowner interacts with financial tools on the platform, the insurance agent can pass those leads back to lenders and realtors, creating immense leverage and reciprocity. Content Strategy: Donuts vs. Data David and Andy discuss why dropping off donuts at a loan officer's office no longer works. To win in today's market, agents must provide actionable data and tools that help their referral partners grow.  The "Too Busy" Trap  The duo critiques the mindset of agency owners who claim they are "too busy" for new leads. They discuss the necessity of implementing systems, departmentalization, and proper website content strategies (blogs vs. paid ads) to scale consulting capabilities without drowning in work. Pet Peeves: Pick Up the Phone! Andy shares his frustration with agencies that rely on complex phone trees or refuse to answer calls, and the growing trend of prospects "ghosting" after good sales calls. Connect with: David Carothers LinkedIn Andy Mathisen LinkedIn Kyle Houck LinkedIn Visit Websites: Power Producer Base Camp Homebot Ai Killing Commercial Crushing Content Power Producers Podcast Policytee The Dirty 130 The Extra 2 Minutes

Original Air Date: November 17, 1952Host: Andrew RhynesShow: The Lone RangerPhone: (707) 98 OTRDW (6-8739) Stars:• Brace Beemer (Lone Ranger)• John Todd (Tonto) Writer:• Fran Striker Producer:• George W. Trendle Music:• Ben BonnellFor more great shows check out our site: https://www.otrwesterns.comExit music from: Roundup on the Prairie by Aaron Kenny https://bit.ly/3kTj0kK

In this powerful episode, Katie Shive reveals how mortgage pros can leverage AI to build visibility, rank in search, and attract real leads online. Katie, a brand strategist and AI marketing coach, breaks down the concept of GEO — Go Everywhere Optimization — and how it's changing the way consumers find mortgage professionals.You'll learn:How to create a "core entity statement" that helps AI recommend you firstWhy your bio consistency across platforms like LinkedIn and Google is criticalThe difference between creating content for humans vs. robotsHow to turn one podcast or blog post into an entire week's worth of marketingHow ChatGPT and other LLMs are now directly referring mortgage professionals to leads and what triggers thatWhether you're a seasoned LO or just starting to explore AI tools, this episode is a must-watch if you want to be found first and fast in search.Show Notes:Subscribe to Katie's NewsletterConnect with Katie on LinkedInWant to double your Realtor referrals without chasing, cold-calling, or paying for leads? See how Travis Newton grew his production by $40 million!Check Out myAgent Classes HereConnect With GeoffA Connect on InstagramS Connect on LinkedInK Subscribe on YouTubeSAY THANKS Leave a review on Apple PodcastsG Leave a rating on Spotify

1 hour and 54 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. What Happened Starts at :51 Sometimes in December we don't have enough content for a podcast... this week there is enough for a podcast. Michigan football has been thrown into chaos following the Sherrone Moore firing. This is the third out of five Warde Manuel hires in the three most important sports to have left in disgrace (also Jim Harbaugh depending on who you ask). There have been too many red flags on too many hires. There is no oversight within the athletic department and then you have to do an investigation instead of preventing one. The only reason the WiFi is better at Michigan Stadium is because of the Zach Bryan concert, not because they cared about the fan experience. Fans are just a piggy bank. Michigan is way too much in the news right now. If "a lot of people knew about this" then why didn't someone say something sooner? Warde lost credibility after his handling of Mel Pearson and he doesn't get credit for Brandon Naurato. Grandmas in Peoria know too much about the Michigan athletic department.  2. Coaching Search Bits Starts at 27:41 Michigan needs a new head football coach. How good do we feel going into it? Probably about a B-. There's not an obvious slam dunk candidate. The three big names are Kalen DeBoer, Kenny Dillingham, and Jedd Fisch. If Alabama wins their first playoff game then DeBoer is almost entirely off the table, if they lose to Oklahoma then there's enough smoke to believe he might think about it. Would DeBoer really leave Alabama though? It's not a place that coaches leave and he's a long shot even if they lose to Oklahoma. Kenny Dillingham played for Arizona State and has a lot of family and connections in Phoenix, he might just be a long shot to convince to move from home. Kenny Dillingham is young, he watches Stranger Things and doesn't understand all the references. What about Jeff Brohm? Jedd Fisch is good at roster construction and handling QBs, something that would be nice for Michigan right now. Jake Butt had a strong endorsement for Jedd. Some coaches wouldn't have former players stomping for them. Jason Eck is a fun name but he's never proven himself at a major program. Based on everything so far, it feels like it's probably Jedd Fisch (PENDING A BACKGROUND CHECK). Which assistant coaches/coordinators would you keep?  3. Hot Takes, Men's Basketball vs Maryland Starts at 54:31 Takes hotter than... actually we need takes about half of where they could go. We need to dial it back this week. Thankfully we can now turn our attention to basketball! Michigan 101, Maryland 83, a strange game. David Coit was hitting threes from every heavenly covered shot. When Michigan was down by 9 Kenpom still had them 76% to win. Maryland went 14-27 from three and Michigan still covered the Kenpom spread. This game was the script for Michigan to lose a game and won by 18. Brian reads Yaxel's boxscore poetically because it deserves it. Solomon Washington got ejected for two technicals. Michigan navigated foul trouble and you probably didn't even notice. Michigan is actually top 50 in three point shooting.  4. Men's Basketball vs Villanova Starts at 1:38:12 They went up by 30 at halftime and only won by 30?? What are we even doing here. You look at some of these top 50, top 25 teams on the schedule, could they beat Michigan in Ann Arbor? No way. Being #1 in two point defense with this schedule is insane. Michigan is identifying their weaknesses and working on them, that's terrifying for opposing teams. What is this team's weakness now? Hey, shout out to undefeated Nebrasketball!  MUSIC: "PH Suite"—Curtis Dro and Lamar Woods "Man I Need"—Olivia Dean "I Got Flavor"—LaRussell and Lil John “Across 110th Street”—JJ Johnson and his Orchestra   

1 hour and 42 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. Michigan Hockey vs Michigan State Starts at :51 A very silly debate not worth publishing preceded the actual intro of this podcast. A split against Michigan State is a very fair result, the whole series was intense. The first period of the Saturday game was an onslaught that Michigan relatively survived, Jack Ivankovic has been solid. How many first and second rounders were in this game? The answer is in the double digits. Is the Big Ten the best hockey league in the world outside of the NHL? Most of the time this team looks dominant but looking back on that Wisconsin series and the first period against MSU on Saturday shows some concerning trends where Michigan can't get out of their own zone. Minnesota is surprisingly not what they've been in the last few years.  2. Men's Basketball vs Rutgers Starts at 26:05 Michigan is putting up demolitions not even predicted by Kenpom. If Michigan puts up a reasonable number of 3s there's just no way to beat them. What did Rutgers even do... get to 41% from 2? Well Michigan shot 72% from 2. They've played the 8th hardest schedule in the country, what even is there to say? Morez Johnson is shooting 3s now. Michigan had more offensive rebounds than misses from 2. Cadeau had an alarming turnover rate earlier in the season and most of those have gone away. Is Yaxel the alpha guy for scoring? Do you need one when you win games by 40? Roddy Gayle is rounding into the guy we originally thought he would be. The floor on this team is so high, if they shot 15% from 3 they'd probably still win by 10. The only teams that look mildly threatening on the schedule are Michigan State and Purdue. USC is also spicier than we thought. Michigan is now favored in every single game on the schedule.  3. Hot Takes, Football Offensive Recruiting Class Starts at 54:31 Takes hotter than Curt Cignetti walking off the field after beating Ohio State 13-10 to win the Big Ten Championship and reacting in NO WAY WHATSOEVER. Savion Hiter is the number one running back in the country and he has the tape to back it up. Brady Smigiel and Tommy Carr come in at QB, they won't see the field for a while but then you could have a redshirt sophomore starting after Bryce leaves. It's nice to see Michigan recruit like they have 105 guys in a class. Michigan loses a wide receiver but picks up Travis Johnson, also Brady Marchese and Jaylen Pile. Would've been nice to get a slot guy but nice to get a few receivers. They're all early enrolees. Matt Ludwig comes in at tight end and is the number one player in Montana, close enough to Idaho. Michigan should get tight ends from American Samoa and Alaska. Mason Bonner comes in from Colorado, keep an eye on him down the road. Malakai Lee is the headlining offensive lineman out of Hawaii, Bear McWhorter is an all-name nominee. Marky Walbridge is a quintessential under-scouted player.  4. Football Defensive Recruiting Class Starts at 1:20:32 Carter Meadows is the #6 overall player in the class, he could be the first overall player in the draft if he projects how he's supposed to. Taco Charlton comparison? Tariq Boney is the other edge, described as a violent high motor style. Titan Davis is Chris Wormley shaped but could move to defensive tackle, McHale Blade might be the most underrated guy in this class. Alister Vallejo, the Mason Graham comparison! He's a lot of peoples' favorite player in this class (a class with two five stars). Could he help next year? Many linebackers, mostly flyers and not an instant-impact class. Do not trust AI in your recruiting history research. The defensive back class is a little light, all four stars though. Jordan Deck is a Makari Paige kind of guy. They get a kicker who kicks and a longsnapper who long snaps, yay. Kerry Coombs comes in as special team coordinator.  MUSIC: "Train Love"—Yor Old Droog "MAGIC"—Vince Staples and Mustard "I Need a Lover"—John Couger “Across 110th Street”—JJ Johnson and his Orchestra