Podcasts about MLS

Christian Polanco and Alexis Guerreros react live to Inter Miami and Lionel Messi's 3–1 victory over the Vancouver Whitecaps in the MLS Cup Final. The boys break down Messi's two-assist performance en route to capturing his first MLS title and discuss what this means for his legacy in Major League Soccer.Then, Christian and Alexis look back at the MLS careers of Sergio Busquets and Jordi Alba as they play their final match as MLS champions. They also break down Rodrigo De Paul's importance to Inter Miami throughout the entire season, including his impact in the championship match.Finally, they recap the entire Major League Soccer season as it comes to an end — including their favorite moments and their pick for playoff MVP.(0:30) – MLS Cup Final Match Recap(5:00) – Player of the Game: Lionel Messi(16:30) – Highlighting Rodrigo De Paul's Impact This Season(21:00) – Looking Back on Busquets and Alba's Careers(38:00) – MLS Season Recap Subscribe to The Cooligans on your favorite podcast app:

Jon Nelson gets you ready for the MLS Cup final Saturday in Ft. Lauderdale as Inter Miami hosts the Vancouver Whitecaps. Hear from Apple TV's Jake Zivin, Kevin Egan, Dax McCarty, and Sammy Sadovnik in this week's SDH Week in Review.

Jason Longshore drops a special edition of Atlanta Soccer Tonight after the World Cup draw - US in a good spot to advance to the knockout stage. There are five teams Jason feels have the best chance to win the title.

A big-time move appears to be taking place in Sounders-land, with Cesar Luis Merlo reporting the Seattle Sounders have reached an agreement with LIGA MX's Necaxa on a transfer for homegrown midfielder Danny Leyva. We'll break down the implications of the move on Seattle's offseason, then dive into some more Sounders and MLS Cup 2025 preview coverage.Follow Lobbing Scorchers: YouTube Instagram Bluesky TikTok Ari Liljenwall Noah RiffeSPONSORSHaxan Ferments - Specializing in unique, small-batch fermented hot sauces and vinegars, Haxan Ferments is handcrafted in Georgetown and made with the best local ingredients from across the Pacific Northwest. Use Code LS for a FREE Hot Sauce w/ purchase!Sounder at Heart - Our network host and biggest supporter, Sounder at Heart covers the Seattle Sounders, Seattle Reign, and MUCH MORE! Subscribe and Support to the BEST independent Seattle Soccer coverage.Podium Edmonds - Located at 114 4th Ave N, just off Main Street in the heart of Downtown Edmonds, come shop and explore the best menswear in the Pacific Northwest. Tell them Lobbing Scorchers sent you!Full Pull Wines - Founded in 2009, they the best boutique wines of the world to members, with special focus on our home, the Pacific Northwest.Seattle Sounders Tickets - Get tickets to an upcoming match straight from the club and help support the show at the same time.MLS Season Pass - MLS Season Pass is back on Apple TV with access to every single MLS match—including Leagues Cup and the entire Audi MLS Cup Playoffs—with no blackouts! Subscribe today to support the show.MLS Store - New year, new gear! The 2025 MLS jerseys are here, and MLSStore is the ultimate destination for every fan. Every purchase helps support our show!Lobbing Scorchers is a production of Just Once Media.Lobbing Scorchers is a Seattle Sounders and MLS focused show brought to you by Sounder at Heart. Hosted by Major League Soccer's Ari Liljenwall and Producer Noah Riffe. Join us as we lob our scorching takes on the American soccer landscape, Seattle Sounders, Major League Soccer, USMNT and more.Contact: lobbingscorchers@justoncemedia.com

Was Lewandowski's penalty for Barcelona against Atletico his worst ever? And what's your five-a-side team of famous footballing sons? John Bennett is joined by Guillem Balague, Raphael Honigstein & Julien Laurens to answer those questions, they also discuss; the situation at Nice where Terem Moffi and Jérémie Boga have both been placed on sick leave after being confronted by supporters following their latest defeat, and Barcelona granting Ronald Araujo an indefinite leave after a request of absence. John Murray joins the pod from Washington ahead of the World Cup Draw. Portuguese football writer Ines Braga Sampaio explains the situation facing Boavista after administrators formally requested the club's closure amidst rising debts. Tom Bogert looks ahead to Messi v Muller in the MLS cup Final, and we hear from Inter Miami's President of Business Operations Xavier Asensi, one of the key players in bringing Lionel Messi to Major League Soccer. 00:20 – World Cup Draw 07:48 – Nice players confronted by Fans 12:23 – Barcelona's win over Atletico and Lewandowski's awful penalty 17:28 – Araujo's absence 22:10 – Another setback for Trent Alexander-Arnold in Madrid 26:57 – Football's famous sons 33:17 – Boavista on the brink 40:24 – Messi v Muller in the MLS Cup FinalCommentaries: Friday 5th December FA CUP: Salford City v Leyton Orient 1930 KO - LIVE ON SPORTS EXTRA 3Saturday 6th December PREMIER LEAGUE: Bournemouth v Chelsea 1500 KO - LIVE ON 5 LIVE PREMIER LEAGUE: Spurs v Brentford 1500 KO - LIVE ON SPORTS EXTRA 3 PREMIER LEAGUE: Leeds v Liverpool 1730 KO - LIVE ON 5 LIVE FA CUP: Chelmsford City v West-super-Mare 1500 KO - LIVE ON SPORTS EXTRA 2 FA CUP: Sutton United v Shrewsbury 1715 KO - LIVE ON SPORTS EXTRA 3 FA CUP: Chesterfield v Doncaster Rovers 1930 KO - LIVE ON SPORTS EXTRA 3 WSL: Arsenal v Liverpool 1200 KO - LIVE ON SPORTS EXTRA 3Sunday 7th December PREMIER LEAGUE: Brighton v West Ham 1400 KO - LIVE ON SPORTS EXTRA PREMIER LEAGUE: Fulham v Crystal Palace 1630 KO - LIVE ON 5 LIVE FA CUP: Slough Town v Macclesfield 1230 KO - LIVE ON SPORTS EXTRA 3 FA CUP: Gateshead v Walsall 1530 KO - LIVE ON SPORTS EXTRA 3 FA CUP: Blackpool v Carlisle United 1730 KO - LIVE ON SPORTS EXTRA

Niko drops by to talk through roster decision in Seattle and the questions for the front office going into 2026 plus MLS Cup previews of the Whitecaps as they head to Fort Lauderdale 

We are previewing Vancouver Whitecaps vs Inter Miami with Michael from AFT Canada#InterMiamiCF #Messi #InterMiami #MLS #MLSCupFinal #MLSPlayoffs

On this week's pod, host and SBJ media reporter Austin Karp discusses the NFL setting new regular-season TV records. Then, SBJ's Josh Carpenter joins Karp to look at Netflix making a bold move with Elle Duncan, MLS getting its Messi moment and the college conference championship games that you need to pay attention to. Plus, Neema Ghazi of Joe Hand Promotions dishes on where business is at for his company.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In hour four, the origin of the Sabres question is revealed. Plus, the MLS Cup Trophy and MLS broadcaster Kevin Egan joins the show live in studio to preview the MLS Cup Final between Inter Miami and Vancouver this Saturday.

We have zero confidence in Tua playing well in the cold on Sunday. Gino Torretta is upset with the CFP committee. Rob Pizzola is blindsided by the most random question in show history. Plus, the MLS Cup Trophy and MLS broadcaster Kevin Egan joins the show live in studio to preview the MLS Cup Final between Inter Miami and Vancouver this Saturday.

Check out Zone 14 Coaching below: https://zone14coaching.com/ Check out MSC Insider: https://modernsoccercoach.mimentorportal.com/subscriptions Are we making youth players too robotic? Two-time MLS Defender of the Year Ike Opara joins the Modern Soccer Coach Podcast to dive deep into youth development, problem solving, growth mindset, and why young players need far more than a fixed “system” to truly learn the game. We explore the growing tension between structure vs. adaptability and how the coaching behaviors we reward (clarity, certainty, strict patterns) sometimes discourage the exact qualities the modern game requires: courage, reflection, creativity, and independent decision-making. Ike shares insights from his career in MLS, his transition into coaching, the challenges he sees in the US youth landscape, and why reflection — not more information — is the missing link for most players. He also introduces Zone 14 Coaching, a company built by coaches for coaches, using intentional planning and reflective journaling to help players and coaches learn more deeply and stay engaged all season long. If you're a coach, parent, or player who cares about player-centered development, this conversation hits every major topic shaping the future of youth coaching.

Send us a textThe National Association of REALTORs was in the news last week concerning two policies. One was changed and the other was upheld.   First, NAR voted to end the requirement of NAR membership to gain access to REALTOR owned MLSs. This is a great policy change but did the change go far enough?Secondly, NAR failed to approve the required disclosure of referral fees in a real estate transaction. This is a very bad look for the Association especially when you hear the amount of support in the Association for the change. Don't forget to like us and share us!Gary* Gary serves on the South Carolina Real Estate Commission as a Commissioner. The opinions expressed herein are his opinions and are not necessarily the opinions of the SC Real Estate Commission. This podcast is not to be considered legal advice. Please consult an attorney in your area.

Tyler drops by Wall Pass Wednesday to look at the two sides in MLS Cup 2025- and how they got to the last match of the year plus what he thinks about World Cup Draw Day and what it means to the host cities

Dylan Butler drops by to break down the last match of the year in MLS plus look at some of the season surprises and revelations

It's a wall-to-wall sprint previewing MLS Cup with the voices of AppleTVJessica Charman, Kyndra de St. Aubin, Sammy Sadovnik, Kevin Egan, Dax McCarty, Jake Zivin, and Gio Savarese all give their unique perspectives on the last match of the year...

Soccerwise are prepping for the biggest game of the year and who else to do it with than the biggest writer in the game. Paul Tenorio (The Athletic) joins Tom & David to talk about the topic he literally wrote on a book on “The Messi Effect.” They preview MLS cup from the X-factors to what it would mean to both clubs if they do or don't win. Then Paul walks them through how the league is trying to advance globally, Messi's influence on those moves, and the biggest factors that could help or hurt the league going forward. And never not grinding Tom has a staple of scoops in the “Ice Cream Shop” from Philly's record signing to the return of Cade Cowell.Pre-order Paul's book today at this link5:01 MLS Cup On Field Preview18:20 Paul Tenorio Joins The Show Talking Messi Effect & MLS's Fight To Grow48:50 What Would MLS Cup Mean To Miami And What's Their Future?56:38 What Would MLS Cup Mean To Vancouver And What's Their Future?1:03:14 Ice Cream Shop1:0325 Philly Record Signing Striker1:06:40 Cade Cowell Heading To NYRB1:09:07 Chicago Big Center back Signing1:11:26 Zimmerman Replacement In Nashville & Maybe Paul Rothrock

Dave and Sam are back with a jam-packed Cincinnati sports breakdown! This week's episode dives into the Bengals' impressive 32–14 win over Baltimore, Joe Burrow's encouraging performance, FCC's playoff exit, UC football's late-season slide, Reds offseason developments, and predictions for the Crosstown Shootout between UC and Xavier.In This Episode:• Bengals dominate the Ravens — can they still make a push?• Burrow shows signs of life: is hope officially back?• Bengals defense plays its best game in weeks• Ken Anderson reaches final Hall of Fame vote• FCC falls 4–0 to Inter Miami — what now?• 2026 MLS schedule release• UC Football loses 4 straight to fall to 7–5• Bowl projections + Signing Day notes• Reds re-sign Emilio Pagán (2yr/$20M)• Kyle Schwarber rumors — is 15% realistic?• Crosstown Shootout preview and predictionsTrivia:Play along! The first listener who emails or messages the correct answer wins.Email: cincysportsscene@yahoo.comInstagram/X: @CincySportsSceneIf you enjoy Cincinnati sports talk, don't forget to follow, share, and leave a review — it really helps the show grow!Follow Us:YouTube: Cincy Sports Scene PodcastInstagram & X: @CincySportsSceneBuzzsprout + Every Major Audio PlatformIG: CincySportSceneEmail: Cincysportsscene@Yahoo.comTwitter: CincySportsScen

Insert Name FC Podcast brings you passionate, in-depth coverage of soccer from around the world, with a distinct North American perspective. Hosted by Hector, this episode dives into the latest headlines in international football and Major League Soccer. Tune in for thoughtful analysis on Sergio Ramos' next career move, Wilfried Nancy's potential leap from MLS to Celtic, and the ongoing saga surrounding Vinicius Jr. at Real Madrid. You'll get recaps of MLS Cup semifinals and previews for both the upcoming final and the Liga MX playoffs. Listeners can expect honest takes on club performances, league formats, and trending debates in soccer fandom—plus recommendations for matches to catch this weekend and spotlights on standout players. Whether you're dedicated to MLS, obsessed with European football, or simply love the beautiful game, Insert Name FC Podcast delivers candid commentary, laughs, and plenty of soccer knowledge, all wrapped up with the host's unique energy and perspective. You can catch full video episodes on Belly Up Sports' YouTube and follow the podcast on social media @insertnamefc for the latest updates!

We are talking all things #InterMiamiCF #InterMiami #Messi 

It's a Wall Pass Wednesday on SDH AMWe look at the new John Textor reportsScarves N Spikes Tyler Pilgrim looks at MLS Cup, how we got there, and Friday in Atlanta with the World Cup DrawMLSSoccer.com's Dylan Butler looks at the multiple storylines with Vancouver and Inter Miami for Saturday afternoonSounder at Heart/Pulso Sports Niko Moreno looks at roster moves out west, Seattle's future, and the last game of the year as wellEmory University head women's soccer coach Sue Patberg previews their Division III National Semifinal from Virginia

Atlanta takes center stage in today's Morning Espresso. Jason breaks down the massive announcement that the USMNT will play Belgium and Portugal at Mercedes-Benz Stadium in March as part of their World Cup buildup — another landmark moment for U.S. Soccer's new home city. We also spotlight the latest from Decatur WatchFest ‘26, including the Indigo Girls closing out the final day of World Cup festivities on the Square. And across the Atlantic, Barcelona send a message in LaLiga with a statement win over Atlético Madrid. Plus the full rundown of World Cup news, MLS updates, global headlines, and everything you need to start your soccer day.

The Industry Relations Podcast is now available on your favorite podcast player! Overview Rob and Greg break down the newest developments in NAR governance, the fallout from the failed referral-fee disclosure vote, and the rapid moves by industry players like eXp and CAR to implement their own transparency standards. They also examine broader structural questions: Should MLSs raise the bar? Is the NAR brand salvageable? The conversation then turns to Zillow's decision to remove climate-risk scores, shifting public sentiment, and the growing political and economic pressures facing housing, affordability, and real estate professionals.  Key Takeaways NAR's proposed change to the Code of Ethics regarding referral-fee disclosure failed—not at the board level, but at the delegate body, highlighting severe governance issues.  eXp and the California Association of REALTORS® are moving ahead with their own transparency and disclosure updates, signaling a break from NAR's direction.  The discussion raises whether MLSs should (or realistically can) "raise the bar," with Rob arguing it could undermine the MLS value proposition.  Greg and Rob note that weakened enforcement and membership incentives make it difficult for NAR to rebuild the Realtor brand without major structural reform.  Zillow has removed on-site climate risk scores after industry pushback, which Rob frames as Zillow aligning with shifting consumer and cultural sentiment.  The hosts raise concerns about affordability, generational frustration, and political volatility—warning that real estate professionals must better understand and respond to consumer mood.   Connect with Rob and Greg Rob's Website  Greg's Website    Watch us on YouTube   Our Sponsors: Cotality  Notorious VIP The Giant Steps Job Board    Production and Editing Services by Sunbound Studios

Jason Longshore and Madison Crews get you ready for Friday's World Cup Draw and Saturday's MLS Cup final on tonight's Atlanta Soccer Tonight.

After a much-needed Thanksgiving hiatus, we are back with our Seattle Sounders offseason coverage. We'll react to the club's year-end roster announcements from last week, as well as Craig Waibel and Brian Schmetzer's press conference. With MLS Cup 2025 now set, we'll also preview Saturday's heavyweight showdown between Vancouver Whitecaps FC and Inter Miami CF.Follow Lobbing Scorchers: YouTube Instagram Bluesky TikTok Ari Liljenwall Noah RiffeSPONSORSHaxan Ferments - Specializing in unique, small-batch fermented hot sauces and vinegars, Haxan Ferments is handcrafted in Georgetown and made with the best local ingredients from across the Pacific Northwest. Use Code LS for a FREE Hot Sauce w/ purchase!Sounder at Heart - Our network host and biggest supporter, Sounder at Heart covers the Seattle Sounders, Seattle Reign, and MUCH MORE! Subscribe and Support to the BEST independent Seattle Soccer coverage.Podium Edmonds - Located at 114 4th Ave N, just off Main Street in the heart of Downtown Edmonds, come shop and explore the best menswear in the Pacific Northwest. Tell them Lobbing Scorchers sent you!Full Pull Wines - Founded in 2009, they the best boutique wines of the world to members, with special focus on our home, the Pacific Northwest.Seattle Sounders Tickets - Get tickets to an upcoming match straight from the club and help support the show at the same time.MLS Season Pass - MLS Season Pass is back on Apple TV with access to every single MLS match—including Leagues Cup and the entire Audi MLS Cup Playoffs—with no blackouts! Subscribe today to support the show.MLS Store - New year, new gear! The 2025 MLS jerseys are here, and MLSStore is the ultimate destination for every fan. Every purchase helps support our show!Lobbing Scorchers is a production of Just Once Media.Lobbing Scorchers is a Seattle Sounders and MLS focused show brought to you by Sounder at Heart. Hosted by Major League Soccer's Ari Liljenwall and Producer Noah Riffe. Join us as we lob our scorching takes on the American soccer landscape, Seattle Sounders, Major League Soccer, USMNT and more.Contact: lobbingscorchers@justoncemedia.com

Send us a textBall Watching hosts, Jake Koenig and Justin Graham, recap SLU Men's Sweet 16 win over Bryant and other NCAA results with local impacts, chat about the ongoing head coaching search for CITY, break down the upcoming World Cup draw, catch up on MLS playoffs, and a whole lot more!Follow the show on X and/or Instagram (@BallWatchingSTL)! Find our guest interviews and all episodes in video form on YouTube by searching https://www.youtube.com/@ballwatchingSTL. Be sure to hit subscribe and turn notifications on!Hoffmann Brothers is the 2025 presenting sponsor of Ball Watching! Headquartered right here in St. Louis for over 40 years, Hoffmann Brothers is a full-service residential & commercial provider, providing Heating, Air Conditioning, Plumbing, Drains, Sewer, Water Heaters, Duct Cleaning, Electrical and Appliance Repair services. Visit them online at hoffmannbros.com!Make The Pitch Athletic Club & Tavern (thepitch-stl.com) your St. Louis CITY SC pregame and postgame destination for all your food and drink needs! Tell them your friends at Ball Watching sent you... Seoul Juice is the official drink of Ball Watching and made with three clean simple ingredients: water, organic lemon juice, and Korean pear juice. Get yours at Dierbergs, Sams Club, or online at seouljuice.com. Use code "BALLWATCHING" at checkout for 20% off all online orders!Shop in-store or online at Series Six (seriessixcompany.com) and receive a 15% discount on all orders storewide using code "BALLWATCHING" at checkout!

In today's episode, Richard delivers a quick but insightful breakdown of four major trends shaping the Los Angeles and South Bay real estate landscape. First, he examines the recent spike in national foreclosure filings and explains why the 20% jump looks far less dramatic once you account for L.A. County's historically low foreclosure base. Next, Richard reviews new MLS numbers showing Los Angeles County's median home price is now unchanged year-over-year, offering early signs that high rates and stretched affordability are finally cooling demand. Richard then unpacks the City of Los Angeles' newly approved rent-control limits, now among the strictest in California, and what these changes mean for landlords who own property inside LA city boundaries. Finally, he wraps with the latest California Housing Affordability Index report, with statewide affordability remains stuck at 17%, signaling continued pressure for buyers across the region. For more South Bay real estate insights, subscribe to Richard's weekly blog at https://haynesre.com/blog/.

Did Zillow really offer Compass up to $1.6 BILLION a year if they'd let Zillow help "double-end" pre-marketed listings? In Episode 343 of tWiRE, we break down Robert Reffkin's viral post, what that alleged offer actually was, and what it says about portals, power, and who really controls the consumer relationship in today's real estate market. Then we zoom out to everything shaking the 2025 housing market this week: Zillow quietly scrubbing climate-risk scores from listings, new pushes for referral-fee transparency, and fresh affordability data showing just how hard it is to rent or buy on a normal income. In this episode, we cover: Compass vs. Zillow Reffkin's claim that Zillow dangled a $1.3–$1.6B "revenue uplift" if Compass let the portal route every buyer to a Compass buyer's agent on pre-marketed listings. Why Compass says it walked away, what this means for double-ending deals, and how real estate agents should talk about this with their own buyers and sellers. Zillow pulls climate data Why climate-risk scores vanished from listings. MLS complaints about accuracy versus buyers' right to know about flood, fire, and heat risk. What this change means for consumer trust, disclosure, and liability going forward. Referral fees and fine print  How the California Association of Realtors is rewriting forms to spotlight referral fees after NAR's failed vote. Why big brokerages are rolling out their own enhanced referral-fee disclosures anyway, and what smart agents should be doing now. Affordability crisis check-in New numbers showing the typical retail worker earns tens of thousands less than they need to afford the typical apartment. A construction labor crunch that is driving up costs, slowing new-home delivery, and deepening the housing affordability crisis. How labor, regulation, and rent burdens are colliding to keep housing out of reach for many renters and first-time buyers. Prices, new construction, and buyer regret Zillow data showing record-level price cuts and what that really means for sellers who still want "spring 2022 money." New-construction's price premium dropping to a record-low 10.2% and why builders are suddenly some of the most motivated sellers in the market. Buyer's remorse falling sharply as days on market stretch, contingencies come back, and buyers get more time to think. Contracts, cancellations, and mortgage rates About 15% of October home-purchase contracts falling through and where cancellations are clustering. Mortgage rates finally ticking lower, why demand barely moved, and what to watch as markets react to the next round of economic news. Whether you're an agent, buyer, seller, or real estate investor, this episode is all about power and pressure in today's market: who controls the listings, who controls the fees, and who is getting squeezed on the ground. 

Join the Gol Sided crew as we welcome Favian Renkel to the pod!

The gang is here to recap the #CanWNT v Japan matches, talk about the Inter Toronto rebrand, preview MLS Cup finals of Vancouver v Inter Miami, U-Sports draft, Ollie Bassett, League 1 Prairies, Michael Bradley to Red Bulls, talk some World Cup draws and the usual malarkey. In this episode, Kristin is all about the hoopla, Duncan notices the tie and jacket like a legend and Mark tries to do a Chris Farley impression that barely works.

Welcome to the Bayou City Soccer Podcast! In this episode, Rudy returns and is joined by Manny Olivares, host of the Orange & Blueprints Podcast, to break down a wide range of new developments coming not only to the 2026 MLS regular season but also to future campaigns as the league updates its calendar to align more closely with global soccer schedules.We dive into the changes being rolled out by HDFC, review additional modifications approved by MLS club owners, and highlight key points shared by Houston Dynamo President of Soccer Pat Onstad regarding offseason roster moves.To wrap things up, we revisit our not-so-successful 2025 MLS season predictions and reflect on what we're grateful for within our incredible Bayou City Soccer community.-And much more!-We invite you to follow us at Bayou City Soccer!-BayouCitySoccer.net-@BayouCitySoccer on Facebook, IG, and Twitter-Hit us up using our hashtag #AskBCS-Hosts:@rudysegura3 on X-Guests:@Mannyvela4 on X-Again, BayouCitySoccer.net for everything!

Welcome to the San Antoniooooooooooooooooooooooooooooooooooooooooooooooooooo FanCast Soccer Roundtable Agenda Topics:UIL PreseasonTAPPS UnderwayBullseye ListSA Soccer Roundtable/SAFC Fancast

Alexis Nunes, Herculez Gomez, and Alejandro Moreno discuss Inter Miami and Vancouver advancing to the MLS Cup Final as Thomas Müller and Lionel Messi face off. Then, a discussion on whether Hirving Lozano's first year in the MLS was a success or a disappointment. Plus, discussion on the United States potentially hosting another major international tournament in 2028. Learn more about your ad choices. Visit podcastchoices.com/adchoices

- SUBSCRIBE TO OUR PODCAST: http://cornerofthegalaxy.com/subscribe/  - COG LA GALAXY DISCORD: https://discord.gg/drr9HFZY2P - COG ANTHEM MUSIC BY RAY PLAZA: https://linktr.ee/munditoplaza - COG ANTHEM MUSIC DOWNLOAD: https://open.spotify.com/artist/3asiasldwKyoCRm1Vzx2h7?si=_LmXI9otT9y9j0ChMGMt2w COG STUDIOS, Calif. -- The 2026 LA Galaxy Schedule has been released by Major League Soccer. And it's got some interesting difficulties. On today's show, hosts Josh Guesman and Kevin Baxter (from Washington, D.C.) discuss the schedule release and what the Galaxy will have in store for a 2026 MLS Cup run. Where does the schedule get tough? And what does the World Cup break mean for the city of Los Angeles? Plus, an MLS Cup and what it could mean for MLS, the World Cup Draw, and the Concacaf Champions Cup Draw. So many draws! Let's talk! -- Corner of the Galaxy is kicking off Season 17, just a few shows past number 1,250! And we can't wait to show you everything we've got in store for 2026! This is a reminder that we go live twice a week — on Mondays and Thursdays at 8 PM on YouTube — and that you can find us conveniently on your preferred podcast platform (Apple, Spotify, SoundCloud, YouTube, Google Play, etc.). We're making it easy for you to stay connected! So tell a friend that you've been listening to the longest-running team-specific podcast in Major League Soccer and that 2025 is a great time to start listening!

Nashville SC made center back Max Woledzi its first signing of the MLS offseason, bringing in the Norwegian to fill Walker Zimmerman's old roster spot. Wes and Tim explore his credentials and ask a key question for each position. Could NSC unload a center back to take advantage of its surplus at that spot? Is Brian Schwake ready to be the guy in goal? What does the club need more: a skull-cracking defensive midfielder or an attack-oriented center mid? Will the backup striker be a young up-and-comer or a Bunbuy-esque veteran? Club and Country is sponsored by M.L. Rose.

Tuesday Thoughts start your morning on SDH AMKacey White drops by to talk MLS Cup and roll through the NCAA brackets- and we ask if anyone can stop Stanford...Georgia Gwinnett MSOC HC Steve DeCou visits from the Gulf and walks through the win in the NAIA Round of 16We look at the last match of the USWNT for 2025 from last night in South Florida where a chip and a charge got shutout win for the US against Italy We look at the news of the AM- including when owners in interesting positions in table swap talent 

MLS Cup has their two in Vancouver and Inter MiamiNCAA Men's and Women's Soccer are pairing down their numbers as well...Kacey White looks at how you could slow down Inter Miami and Stanford... and the rest of the bracket breakdown...

On today's Morning Espresso, we're charging into a massive week for the sport with the World Cup Draw now just days away. We lay out everything you need to know about Friday's festivities in Atlanta — from our live coverage at Bench Warmers and the Brewhouse Café to the schedule updates FIFA will drop on Saturday. We break down the USMNT's potential opponents and what the draw pots really mean, plus the latest headlines from around the global game. The USWNT closes 2025 with swagger thanks to Catarina Macario and Lily Yohannes, and over in Spain, Barcelona and Atletico Madrid square off in a heavyweight midweek clash with title implications. All that, plus MLS news, transfer whispers, and The Refill from around the world — your soccer morning starts here.

The Listing Bits Podcast is now available on your favorite podcast player! Overview Greg sits down with returning guest Annie Ives, CEO of CLAW/The MLS™, to discuss major industry changes following NAR policy shifts, the rise of MLS-only memberships, exclusive-listing strategies, and the rapid growth of CLAW's in-house technology products including Vesta Plus, Checkmate, Showing software, and MarketSnap. Annie also shares insights on managing a high-end market, delivering strong customer service, and the future role of MLSs in a shifting industry. Key Takeaways NAR's policy changes are already increasing MLS-only membership interest, especially in California's Thompson state environment. Annie expects MLS-only membership to rise from ~15% to potentially 25–30% as agents look to cut costs. Associations may face pressure to restate their value proposition as non-dues revenue becomes increasingly important. CLAW is launching a new listing status: MLS Exclusive — allowing listings to remain off-market-facing while still visible to MLS members. MLS Exclusive listings accrue no DOM and no public price-change history while in that status. CLAW continues to grow its in-house technology stack, including: Vesta Plus MLS platform Checkmate compliance software (now used by ~200k agents) Showing software MarketSnap analytics Annie credits their success to customization, rapid iteration, and client-driven feature development. She predicts MLSs will increasingly become technology companies, especially as revenue from dues becomes less stable. Future industry direction remains uncertain, but Annie emphasizes persistence, adaptability, and building strong teams as core to longevity. Links: Vesta Plus – Request a demo   Sponsors Trackxi – Real Estate's #1 Deal Tracking Software Giant Steps Job Board – Where ORE gets hired Production and editing services by: Sunbound Studios  

Ahead of Saturday's MLS finale, Joe Lowery dives into the two teams vying for MLS Cup glory. In this first of a two-part MLS Cup preview, we examine Lionel Messi's impact for Inter Miami, the Vancouver Whitecaps' aggressive defense, Miami's tactical transformation, and more.If you enjoyed this episode, leave us a rating and subscribe to Backheeled.com for more American soccer coverage! Hosted on Acast. See acast.com/privacy for more information.

Alexis Nunes, Herculez Gomez, and Alejandro Moreno discuss Inter Miami and Vancouver advancing to the MLS Cup Final as Thomas Müller and Lionel Messi face off. Then, a discussion on whether Hirving Lozano's first year in the MLS was a success or a disappointment. Plus, discussion on the United States potentially hosting another major international tournament in 2028. Learn more about your ad choices. Visit podcastchoices.com/adchoices

No coach, no problem! JK, it's a problem. Roster decisions made, MLS final is here, and we give thanks to....well nothing really. Get stuck in!Check links below: Pursuit: @pursuityourselfHanif Abdurraqib: @NifMuhammadBird: @cgmaciel.bsky.socialCapyBrava: @capybrava.bsky.socialhttps://ahernandezart.comBecome part of the Discord family: discordecke.soccerSupporter Supply: https://www.supportersupply.co/  Code for free delivery:  upper90boyz (that's boys with a Z)Minnows: https://linktr.ee/minnowshttps://sirkbook.com/https://nordecke.com/Podcasts are available on Spotify, Apple Podcast, and all podcast apps. Now on YouTube, with video, and the faces!  Not seeing us somewhere? Email us Check us out on our Social Media Platforms and feel free to email us! We're totally literate and will 100% read anything you send, promise.Songs by Nick Tolford and Company https://ntac.bandcamp.com/track/boys-night-outSIGN UP TO BE PART OF THE NORDECKE!  Here - https://nordecke.com/Subscribe to our channel for more soccer content:-Email us:  podcast@upper90club.com-Follow us on Twitter: https://twitter.com/Upper90ClubPod-Like us on Facebook: https://www.facebook.com/groups/upper90clubpod-Follow us on Instagram: https://www.instagram.com/upper90clubpod/-Apple Music: https://podcasts.apple.com/us/podcast/upper-90-club/id1647214221-Spotify: https://open.spotify.com/show/1xnYAtnQ8tThdn5JWX6c24-Linktree: https://linktr.ee/upper90clubpod#VamosColumbus | #Crew96 | #Upper90Club | #R96TS#SoccerPodcast #Podcast #ColumbusCrewPodcast

For the Glory KC is back with the 155th episode of the show!Sporting Kansas City and the KC Current did literally nothing this week, so we are filling in with offseason content!Sheena and I did our first ever "For the Glory KC Awards" and gave out many fake prizes to players on both teams. From MVP to Newcomer of the year to strange categories like best hair and best personality. There are the awards you'd expect and everything in between.We also asked the question, which is more shocking? Peter Vermes getting fired with nearly four years left on his contract or Vlatko Andonovski stepping down unexpectedly after the greatest regular season in NWSL history?Speaking of Vermes, he was reported to be up for the Atlanta United job that ultimately went to Tata Martino. Which left the question, where should Peter land if he stays in MLS? There are only a few jobs left open and the New York Red Bulls one looks like it's going to Michael Bradley (according to Tom Bogert of the Athletic). So that only left open the Colorado Rapids, Columbus Crew (soon enough), St. Louis City and of course Sporting KC.In addition to picking Vermes' landing spot, we ponder the question of how nervous should we be that Sporting KC still only have 14 signed players and no coach with preseason set to start in just over five weeks on January 10th?We also cover the news about Kansas City and the 2031 Women's World Cup, Bia Zaneratto possibly heading to Brazil and a lot of USWNT news for the full team, U-23s and U-20s.In the Digital Crawl, we hit on a few more topics, including:MLS Cup where everyone is rooting for Vancouver over MiamiThe 2028 Copa America maybe coming to the USAPhoenix possibly landing MLS and NWSL expansion teamsand UMKC's NCAA Tournament fateHere is a rundown of topics and start times:End of Year Awards - 3:22Sporting KC roster, coach and Vermes' fate - 47:222031 WWC Update - 56:28KC Current roundup - 1:04:12She Scores - 1:06:35Digital Crawl - 1:17:31Upcoming GamesMLS Cup: Vancouver Whitecaps vs Inter Miami, Saturday, Dec. 6th at 1:30PM CSTWorld Sevens Football TourneyWomen's College Cup (CPKC Stadium)As a special gift to For the Glory KC listeners and KC Soccer Journal readers, Backheeled dot com is giving away 30 days of their amazing, independent American soccer coverage for free. If you decide you want to turn that into a paid membership, they'll give you 10 percent off too. Just follow this link!Big thanks to Splitter Conspiracy (listen to them here) for our theme music made with the permission of the KC Cauldron.

It's MLS Cup week and we are discussing all things Inter Miami#InterMiami #Messi #InterMiamiCF 

In this episode of On Stage, we bring you a joint conversation with Dee and Jimmy Haslam of Haslam Sports, one of the most influential ownership groups in American sports. Recorded on October 2, 2025, at Leaders Week London, this discussion offers an inside look at how the Haslams approach ownership, leadership, and long-term community impact across their portfolio: the Cleveland Browns, Columbus Crew, and Milwaukee Bucks. In a thoughtful and candid conversation with BBC Sport presenter Sarah Mulkerrins, the Haslams explore: A Unified Sports Vision: How ownership across the NFL, MLS, and NBA fits into a broader mission driven by community, culture, and competitive success. Leadership Philosophy: Their approach to hiring great people, supporting strong leaders, and maintaining organizational alignment during both highs and lows. Community Responsibility: Why civic pride and long-term social investment are fundamental to their sports ventures. Infrastructure & Legacy: How stadium development, fan experience, and city partnerships shape the future of their franchises.Owning in a New Era: What modern ownership requires, from patience to adaptability to purpose-driven strategy. This is an insightful and grounded look at how two leaders think about sports not simply as businesses, but as platforms for generational impact.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

There's a lot to get through today, but Musa and Ryan begin with shouting out Flamengo's Copa Libertadores win before moving on to the Premier League.They discuss the scrappy 1-1 draw between Chelsea and Arsenal (06:52), which probably worked out as a good point for both sides in the end, plus wins for Manchester City, Liverpool, Manchester United and all the rest of the Premier League games (18:50). Elsewhere, the tops of Serie A, La Liga and Ligue 1 are very close, so there's chat about some key results from those leagues (42:04) and a quick shout for the Bundesliga, MLS and more!London listeners, we're just three days away from our first show at the Southbank Centre! There are still some tickets left, so get yours here.For more podcasts each week, ad-free and in full, plus access to the Stadio Social Club and much more, become a Stadio member by going to patreon.com/stadio. Hosted on Acast. See acast.com/privacy for more information.

Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly, again. 1-937-795-8989,   Keith Weinhold  26:18   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   Nothing on this show should be considered specific personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

Christian Polanco and Taylor Twellman react to Inter Miami and the Vancouver Whitecaps' dominant performances in the MLS Conference Finals. Will Lionel Messi and Inter Miami finally hoist the MLS Cup, or can Thomas Müller's gritty Vancouver side spoil the celebrations?Next, Christian and Alexis bring on MLS and USMNT legend Clint Dempsey to chat all things USMNT, including what Mauricio Pochettino has changed within the squad to spark their current resurgence. Clint also shares his thoughts on what the new Summer–Spring calendar will mean for Major League Soccer.Later, Clint discusses the USMNT's striker dilemma and why he believes competition for the starting spot is a good thing. Timestamps:(2:45) – Are Inter Miami unstoppable?(13:00) – Can Thomas Müller & Co. spoil Miami's party?(18:30) – MLS Cup Final preview(28:45) – Breaking down the USMNT ahead of the World Cup(36:00) – Clint Dempsey reacts to the new MLS calendar change(41:00) – Breaking down the USMNT's striker dilemma Subscribe to The Cooligans on your favorite podcast app: