Podcasts about mortgage

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Booker T. Washington.

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Booker T. Washington.

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Booker T. Washington.

Everyone loves “free money” until they realize what it actually costs them. In this episode, we break down the silent wealth divide happening in real time and why the next decade will massively reward owners, investors, and creators while leaving everyone else behind. Headlines about new $2,000 stimulus checks and the introduction of 50-year mortgages make it feel like help is on the way, but moves like these quietly inflate the price of everything. They make housing more expensive, savings less valuable, and the wealth gap wider. We talk about how stimulus and easy credit made people feel richer in the moment but slowly eroded their purchasing power. The result is a growing chasm between people who own assets and people who only have income. We unpack why inflation punishes savers, why relying on a paycheck will never beat the speed of rising prices, and how the people who get ahead are the ones who understand leverage, equity, and asymmetric opportunity. Ownership isn't just a financial strategy. It is a survival strategy. We also dive into the mindset shift required to avoid becoming a casualty of the system and instead position yourself on the right side of it. If you feel like you're working harder but not getting ahead, or like the world is getting more expensive while your dollars buy less each year, this episode gives you the clarity you've been missing. The rules have changed. It is time to learn the game. Book your mentorship discovery call with Cory RESOURCES

In this episode of the Loan Officer Podcast, host Dustin Owen sits down with John Motowidlak, co-founder of Mpire Financial. Together, they dive deep into the ways technology—such as artificial intelligence, automation, robotics, and SaaS solutions—is revolutionizing the mortgage industry and accelerating Mpire Financial's impressive growth trajectory. John offers valuable insights into the process of developing proprietary technology, emphasizing how innovation and adaptability are crucial for staying ahead in a rapidly evolving market. The conversation also touches on the significance of cultivating a strong company culture at Mpire Financial, and how this foundation supports both employee satisfaction and client success. John and Dustin discuss the upcoming Mortgage Con 2026 conference in Orlando, highlighting the event's potential for learning, networking, and discovering the latest industry trends. Throughout the episode, they explore the exciting opportunities that come with tech-driven change in real estate, as well as the unique challenges that mortgage professionals face in adapting to new tools and processes. John shares his perspective on the future of coaching and mentorship in the industry, introducing innovative coaching platforms and resources designed to help loan officers and mortgage professionals thrive. Listeners will also hear about new networking opportunities, best practices for leveraging technology, and actionable strategies for navigating the dynamic landscape of modern mortgage lending.   TLOP's Originator Coaching ---> Visit Website

Hey Guys, This week: Destination weddings, Epstein FIles, Covid Cruise, Foreign Accent Syndrome, 50 year Mortgages, Frankenstein, Wrong Lyrics and Downtown LA. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Grant Cardone, CEO of Cardone Capital and bestselling entrepreneur, joins The Steve Gruber Show to tackle one of the biggest issues on Americans' minds: housing affordability. From the challenges of 50-year mortgages to practical solutions for making homes more accessible, Grant shares his perspective on what can truly help the economy and fix the affordability problem. The conversation covers strategies for both buyers and policymakers, emphasizing real-world approaches to increasing access, boosting investment, and creating sustainable housing opportunities. Whether you're a first-time homebuyer or just following the housing market, this discussion offers actionable insights and bold ideas from one of the nation's leading real estate experts

We're taking some time to highlight our best Gymsplain Episodes. On this episode Catriona and Jill talk about the ins and outs of applying for loans and mortgages. They cover the basics of personal and secured loans, navigating the loan application process, and details like debt-to-income ratios and credit scores. The hosts break down the importance of doing your due diligence, reading the fine print, and knowing your budget before taking on new debt. They also discuss the benefits of working with trusted people and practical tips to make the loan process less intimidating.    For more details check out our show notes here! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule a free warm-up call today! If you have any ideas or questions for the show, send an email to trainerpodcast@fingyms.com.    

In this episode, Elaine Parker and Eric Eggers break down the real causes behind America’s worsening housing crisis and debate the controversial push for 50-year mortgages as a solution. They explore the historical roots of the affordability problem, how environmental and zoning regulations restrict new housing supply, and why a growing number of Americans now view long-term debt and delayed homeownership as normal. The discussion also tackles the impact of immigration, regulatory barriers, and entrenched special interests on rising home prices. Elaine and Eric go deeper into the economic consequences of sky-high housing costs and highlight innovative policy ideas that could expand access to homeownership for working families. If you’re looking to understand the future of the housing market, the debate over mortgage reform, or how the U.S. can rebuild a path to the American Dream, this episode offers a clear and compelling breakdown.See omnystudio.com/listener for privacy information.

With interest rates shifting and affordability under pressure, this episode offers some perspective into why so many people still can't get onto the property ladder and what's changing in the mortgage world right now. Phil Spencer is joined by Charlotte Harrison, CEO of Homes at Skipton Building Society, to discuss the current market conditions, why demand from first-time buyers remains strong, and why research shows as many as 98% of young adults living with parents still struggle to afford the average first time buyer home in their local area. Chapters 00:00:00 Introduction 00:00:39 Current state of the mortgage market 00:02:00 Are interest rates historically normal? 00:02:47 The real cost of homeownership today 00:03:45 Skipton's Affordability Index explained 00:05:29 98% can't afford to buy in their local area 00:07:14 Innovative mortgage solutions from Skipton 00:09:11 Partnership with Move iQ for first-time buyers 00:10:29 How building societies differ from banks 00:13:14 Top tips for getting a mortgage today 00:14:28 Advice for existing mortgage holders 00:16:26 Future of interest rates and mortgage innovation

In Episode 110 of the Canadian Private Lenders Podcast, Ryan and Neal break in their brand-new studio with a deep dive into one of the hottest topics circulating in the real estate and lending world: the rise of 50-year mortgages in the United States.The hosts unpack what a 50-year mortgage actually looks like, who benefits, why the U.S. is considering them, and whether Canada would ever dare to follow. Along the way, they explore current housing forecasts, affordability breakdowns across Canada, private-lending implications, and the macroeconomic mechanics behind debt-driven asset growth.If you're a mortgage broker, lender, real estate professional, or investor, this episode offers a grounded, honest analysis of the policies shaping the future of housing.00:00 – What is a 50-year mortgage?00:26 – New studio intro01:08 – Back to in-person episodes01:43 – Remax 2026 housing rebound headline04:38 – Introducing today's topic: 50-year mortgages05:12 – U.S. vs Canada mortgage structures07:40 – Mechanics of 50-year amortization08:20 – Interest costs & debt misconceptions09:39 – Asset value growth from extended amortizations10:26 – Why the U.S. is considering this now11:36 – Securitization & “Big Short” parallels12:24 – Risks & criticisms15:52 – Halifax wealth effect example17:30 – Why Canada won't adopt 50-year mortgages18:28 – Securitization challenges in Canada19:01 – Consumer debt culture20:02 – Fragmented Canadian housing markets21:00 – Discussion on 40-year amortizations24:42 – Opportunity during corrections25:20 – Borrower affordability vs long-term wealth26:00 – Investors using long AMs indirectly27:00 – Income growth, zoning & structural differences29:04 – Private lending impacts if U.S. adopts 50-year mortgages30:16 – Canadian ALT market outlook31:32 – Lending risk during corrections32:40 – Final takeaway: Canada unlikely to adopt 50-year AMs33:40 – Wrap-up & studio shoutout34:37 – Sign-off & disclaimersResources:Keystone Capital GroupCPLP Instagram: @cplpodcastKeystone Instagram: @keycapgroupFind Neal On:Instagram: @neal.andreinoLinkedIn: Neal AndreinoFind Ryan on:LinkedIn: Ryan MacNeilE-mail: ryan@keycap.ca

On this episode, we walk step by step through how Derek Harris built his rental portfolio from the ground up. Derek has been buying rental properties for five years, and today he owns 10 doors.He takes us through each acquisition, explaining how he found the properties, their condition, and the work he did to fix them up. Derek also breaks down how he financed every deal. He talks about where he found the money for his down payments, how he structured his loans, and why he started using DSCR loans as he grew.We also get into the details of his portfolio, including total rent, mortgage payments, operating expenses, and the cash flow he keeps every month.Thanks To Our Sponsors:Ridge Lending Group - Making investment Mortgage process simple and stress-free.MidSouth HomeBuyers – Turnkey Rentals In Memphis & Little Rock. Instant Cash Flow On Day One. (Priced between $100,000 to low $200's)Rental Accounting Software Made Easy. Free 30 Day Trial.

The conversation starts with sweet potatoes and grandma-level stuffing, then pivots to the question stirring up homebuyers everywhere: would a 50-year mortgage help or hurt? We share the real math behind lower monthly payments, how amortization changes over ultra-long terms, and why equity can lag for years unless you get proactive. From belt-loop victories to kitchen-table budgets, we pull the debate out of theory and into real life.We unpack who actually benefits from a longer term, how lenders will likely price risk, and why the lifetime cost may dwarf the short-term relief. You'll hear clear strategies to make a long loan work in your favor: automate extra principal, aim for one extra payment a year, set refinance trigger points, and treat appreciation as a bonus, not a guarantee. We also tackle the costs no one can ignore—property taxes and insurance—and how they can erase your perceived savings even if your rate looks decent on paper.There's fresh context on 2025 credit changes, including how medical debt is treated and why nuanced underwriting could help qualified buyers who've had a rough patch. We balance the builder's perspective with the buyer's anxiety, explore market ripple effects if 50-year loans take hold, and draw a bright line between starter-home strategy and forever-home commitments. If a 50-year term is the only way to get the keys, we outline the plan you need to avoid paying for a lifetime: disciplined overpayments, honest timelines, and a clear exit or refinance strategy.Ready to pressure-test your plan? Listen now, subscribe for more straight-talk housing insights, and drop your take: is the 50-year mortgage a smart bridge or an expensive habit we'll regret?

Lenders want you to borrow money.When it comes to borrowing money, lenders want you to borrow — that's how they make their profit. But not all mortgage products are made equal, especially when it comes to HMO properties.In this episode, Rebecca breaks down how lenders and brokers really work, why understanding different mortgage products matters, and how choosing the right borrowing strategy can change everything for your portfolio.What You'll LearnWhy lenders are often more eager to lend than you think.The difference between HMO mortgage products and standard ones.How a good broker can help you find the best strategy for borrowing.Why speaking directly to your broker can unlock better mortgage options.How understanding the rules (and the market) puts you in control.Chapters00:00 — Understanding Property Investment Deposits00:27 — Finding the Right Financial Guidance01:45 — How Lenders and Brokers Really Work03:20 — The Hidden Rules of HMO Mortgage Products05:05 — Why Direct Broker Relationships Matter06:40 — Borrowing Strategies That Actually Work08:15 — Long-Term Thinking: Refinancing and Cashflow09:45 — Key Takeaways and Real-Life Advice

Send us a textHow It HappenedSpecial Guest Sabrina Maddeaux- Columnist, Co-Host of The Missing Middle Podcast and Director of Communications at Global Public AffairsCanada's House Prices are still Batshit Crazy High but how did we get here. Even though Prices are falling in some regions will they ever get to a rational level? And why did we end up building so many Dog Crate Hellscapes? Why did Planners & City Governments let it happenWe have the answers on this week's PodcastSupport the show

Want lower mortgage rates? One economic “X factor” could give them to us. It's time for our 2026 mortgage rate predictions!  Is this the year we get back into the 5% mortgage rate range? It might be more likely than you think. But two things are currently holding mortgage rates in limbo, keeping the housing market “stuck” as buyers beg for a more affordable interest rate. These crucial factors could finally budge, and if/when they do, big changes to mortgage rates could follow.  For four years, Dave has been sharing his mortgage rate forecast leading up to the new year—and he's been right almost every time. But we're not just sharing Dave's take. We'll also give you mortgage rate forecasts from top economists at Fannie Mae, NAR, and more. Waiting for lower mortgage rates? Stick around to see if Dave's prediction is what you want to hear.  In This Episode We Cover 2026 mortgage rate predictions and whether we'll get back into the 5% range  The “X factor” that could send mortgage rates into a free fall  The two things keeping mortgage rates “stuck” right now (and whether they'll move) A desperate move from the Federal Reserve to lower mortgage rates that could cause massive ripple effects throughout the economy  Interest rate forecasts from top mortgage and real estate organizations  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1207 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Topics:  Masterclass, God Has Time, Holiday Not To Do, Need To Know, Mortgage, Pickleball, Peace, Breaking Animal News, Sick Burns Of the Bible, Judge Elvis BONUS CONTENT: Jill Freud   Quotes: "There's stuff in my life that needs to die off. We can ask God for that." "You can ask God: '…help me want that less…" "Ostriches aren't mean." "Peace is an awareness of abundance."

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  

In this REI Only episode of The FasterFreedom Show, Sam takes a deep dive into portable mortgages and why they're gaining attention in the real estate world right now. He explains exactly how these loans work, the advantages they offer for investors looking to move or sell without penalty, and the potential downsides that could catch you off guard. Sam also discusses why portable mortgages are becoming part of the real estate zeitgeist and how understanding them can give you more flexibility in structuring deals and managing your portfolio.Whether you're a first-time investor or managing multiple properties, this episode breaks down the mechanics, the strategy, and the practical implications so you can decide if portable mortgages fit your wealth-building plan.FasterFreedom Capital Connection: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://fasterfreedomcapital.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Free Rental Investment Training: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://freerentalwebinar.com⁠⁠⁠⁠⁠⁠⁠⁠⁠

Mortgage prepayments just hit a 3.5-year high as softening rates spark a new wave of refinances. At the same time, ICE reports rising foreclosure activity—driven largely by FHA and VA loans. In this episode, Kathy Fettke breaks down the latest ICE First Look report, including falling delinquency rates, shifting borrower behavior, and what these trends mean for real estate investors heading into 2026. JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1  FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS SOURCE: https://mortgagetech.ice.com/resources/data-reports?tagIdGroups=&requiredTagIds=161812%2C161815&activeOnly=false

D.O. takes a deep dive into the growing buzz surrounding 50-year mortgages and portable mortgage products. Leveraging his two decades of hands-on experience in the mortgage industry, Dustin breaks down these trending topics, separating hype from reality for his listeners. He begins by explaining what 50-year and portable mortgages actually are, outlining how they function in theory and practice. Dustin then explores why these unconventional loan products are unlikely to gain widespread acceptance in the United States, drawing insightful comparisons to the mortgage systems in Canada and the United Kingdom, where such products have seen varying degrees of popularity.

In this jam-packed episode, Peter and Jeff discuss 50-year mortgages, the Magnificent 7's recent pullback and low consumer sentiment before offering their tips of the month.Hosted by Creative Planning's Director of Financial Planning, Jeff Stolper, and President, Peter Mallouk, this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won't want to miss each of their monthly tips!Important Legal Disclosure: creativeplanning.com/important-disclosure-information/Have questions or topic suggestions? Email us @ podcasts@creativeplanning.com

Finish the year strong! In this episode, Art provides six smart money moves to wrap up 2025. Plus, he answers a listener's question about refinancing their house. Rates have dropped. Is now the time to take advantage of lower rates? Resources:8 Money MilestonesChristian Money HelpAsk a Money Question!

The housing market is shifting, and in this show we are unpacking two major proposals that could reshape affordability: 50-year mortgages and portable mortgages. Laurie sits down with local mortgage broker, Tisha Borda, to explain what these ideas could mean for buyers, sellers, and Kern County. We also cover the latest market trends, a new Zillow lawsuit, and this week's standout Home of the Week.

This is a free preview of a paid episode. To hear more, visit www.ryandawson.orgFirst hour is free second hour and change is for subscribers. More tomorrow

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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club———————————————————————Mortgages just got more complicated for dentists, but not unworkable. We dig into what the latest budget actually changes for buy-to-let in personal names, how frozen tax bands quietly pull more rent into higher rates, and why the updated interest tax credits at 22, 42, and 47 percent matter for your cash flow. You'll hear a clear-eyed view on the policy direction that nudges small landlords out while corporate landlords scale up—and the practical impact that shift has on rents, tenant stability, and long-term yields.We also unpack where rates are heading right now. With bond markets warming to the budget, fixed-rate funding costs have eased, and lenders are sharpening two- and five-year fixes. That's positive, but the last two years taught us how quickly markets can turn. Our strategy is simple and dentist-friendly: if your fix ends within six months, secure a product now to cap your risk, then switch to any lower rate if pricing improves before completion. It's an option, not a commitment, and it turns uncertainty into leverage.For higher-value homes, we outline the proposed mansion tax bands, valuation timing, and what to watch ahead of 2028. If you're buying near the thresholds—especially in the South East—build the annual levy into your ownership maths today. Whether you're remortgaging, purchasing a home, or weighing a buy-to-let, we cover documents to prepare, how to choose between two- and five-year fixes, and the red flags that make a rental deal too thin after tax.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.Send us a text

As expected, the Reserve Bank cut the OCR to 2.25% last week - but an unexpected side effect has been a lack of effect. The Reserve Bank announced that this would be the end of cuts, sending the wholesale market into a panic and, therefore, seeing no change in interest rates. Finance Minister Nicola Willis told Heather du Plessis-Allan, "my message to the banks is always the same, which is pass on as much as you possibly can because it's good for the economy." LISTEN ABOVE See omnystudio.com/listener for privacy information.

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The Thanksgiving weekend edition of the Accunet Mortgage and Realty Show kicks off with the story behind Black Friday before diving into mortgage market timing. Brian Wickert and David Wickert explore why waiting for the Federal Reserve's December meeting might not be the best strategy, based on patterns observed throughout 2025.The episode features a cautionary tale about credit scores, where an $80 collection account from identity theft caused a nearly 100-point credit score drop, derailing a refinance opportunity. The Wickerts detail the extensive process required to dispute fraudulent accounts and restore credit standing.David introduces an innovative asset depletion loan program that transforms investment and brokerage accounts into qualifying income—without requiring retirement age or IRA status. This solution offers flexibility for buyers with substantial non-retirement assets who want to keep their money working in the market.The housing market discussion reveals surprising trends: while over a third of major U.S. markets experienced price drops, all Wisconsin markets showed growth. Milwaukee, Madison, Green Bay, and other Wisconsin cities are forecasting continued appreciation through 2026.The episode concludes with news about the 2026 conforming loan limit increase to $832,750 and reminds first-time buyers that only 3% down payment is required, regardless of income level.​​​​​​​​​​​​​​​​

Mortgage rates are dropping and the right move now could add over $100K to your net worth.In this episode, we break down how holding your repayments at the higher level you're used to can shave decades off your loan, save hundreds of thousands in interest, accelerate your equity, and set you up for smarter investing and long-term financial freedom.Next Steps: Want to see how much faster you could clear your mortgage? Book a chat with our Lighthouse Mortgage team today.If you want clarity on your next steps from paying down debt to building long-term wealth book a chat with our Lighthouse Wealth team and get a personalised financial plan built around your goals.For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Chris Luxon says banks need to be passing on their OCR cuts to customers - and customers should be switching banks if they don't. Mortgage rates have been falling significantly, following recent OCR cuts. But the Reserve Bank says the banks still have room to move, to be cutting the rates further. The Prime Minister says [told Mike Hosking] banks should be competing for customers, and customers should be trying to get the best deal they can. LISTEN ABOVESee omnystudio.com/listener for privacy information.

We got another OCR cut this week - now down to 2.25% - the lowest it's been since June of 2022. That was the last one for the year, so a lot of us mortgage holders are trying to figure out whether things are slowing down, and if it's time to fix for a longer term this time around. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Featured on WGN Radio's Home Sweet Home Chicago on 11/29/25: Miracle Method's David Haas joins the show joins the show to discuss bathroom safety and how refinishing can transform older bathrooms without the cost and hassle of a full remodel. To learn more about what Miracle Method can do for you, go to miraclemethod.com/wgn or call them […]

Featured on WGN Radio's Home Sweet Home Chicago on 11/22/25: NEXT Door & Window's Gary Armstrong joins the show to explain why the end of the year is an ideal time for homeowners to replace windows and doors. To learn more about what NEXT Door & Window can do for your home, visit nextdoorandwindow.com or […]

Featured on WGN Radio's Home Sweet Home Chicago on 11/29/2025: Dan McCarty of Redo Cabinets joins the show to explain what cabinet refacing actually involves and to clear up common misconceptions. To learn more about Redo Cabinets and how they can assist you, visit redocabinets.com or call 630-381-5583.

We kicked off this week's show with David Haas of Miracle Method explaining what cabinet and surface refinishing involves and clearing up common misconceptions. Then, Gary Armstrong of NEXT Door & Window breaks down why this season is an ideal time to buy new windows and doors. Next, Lewis Shapiro of Redo Cabinets joins the […]

Understanding Property Law: A Comprehensive GuideThis conversation provides a comprehensive overview of property law, focusing on the fundamental concepts of ownership, rights, and the legal frameworks that govern land use and transactions. It explores how property rights are acquired, divided, and transferred, as well as the implications of landlord-tenant relationships and non-possessory interests. The discussion also addresses the complexities of financing, nuisance, and zoning, culminating in a summary of key takeaways that highlight the essential principles of property law.Property law can often feel like a complex puzzle, but at its core, it's about understanding who owns what, for how long, and under what conditions. This guide will walk you through the essential concepts of property law, from acquisition to conflict resolution.Acquisition and Ownership: Property ownership begins with the concept of first possession, where the first person to capture or control an unowned item gains a property interest. This principle extends to adverse possession, where a trespasser can gain legal title if they meet specific criteria over a statutory period.Dividing Ownership: Ownership isn't always straightforward. It can be divided over time through present estates and future interests, such as life estates and remainders. Concurrent ownership allows multiple people to hold interests in the same property, with forms like tenancy in common and joint tenancy.Landlord-Tenant Law: The relationship between landlords and tenants is governed by leasehold estates, which grant tenants exclusive possession for a period in exchange for rent. Modern law has introduced the implied warranty of habitability, ensuring residential properties are safe and livable.Non-Possessory Interests: Easements, covenants, and licenses allow individuals to use land without possessing it. These interests can be created through various means, including express grants and adverse possession.Land Transactions and Recording: Buying and selling land involves contracts, deeds, and the recording system, which protects bona fide purchasers and resolves priority disputes. Understanding the types of deeds and recording statutes is crucial for navigating land transactions.Conflict Resolution: Property law also addresses conflicts through doctrines like nuisance and zoning. These tools help balance individual property rights with community interests, ensuring a harmonious coexistence.Property law is the foundation of legal relationships, defining how we structure wealth and expectations in society. By understanding its core principles, you can navigate the complexities of property ownership and use with confidence.Subscribe now to stay updated on the latest insights in property law.TakeawaysProperty is a bundle of rights, not a single entity.Acquisition of property can occur through first possession or adverse possession.Ownership can be divided over time through various estates.Concurrent ownership includes tenancies in common and joint tenancies.Landlord-tenant law merges property law with contract principles.Non-possessory interests include easements and covenants.Land transactions involve contracts and deeds, with recording systems to protect buyers.Mortgages serve as security interests in property for loans.Nuisance law addresses conflicts between land use and enjoyment.Zoning regulates land use to balance individual rights with community needs.property law, ownership, land rights, landlord-tenant, easements, mortgages, nuisance, zoning, real estate

Hans and Brian sit down with the Tax Sherpa team—Neal, Serena, and Fatma —to walk through the tax implications of options trading before it's too late to do anything about it.Most in the Remnant caucus of the Low Stress Options community haven't filed a tax return reflecting this trading activity yet. They're tracking weekly income in their spreadsheets and assume that's what they'll owe taxes on—but the brokerage statements tell a completely different story. The bottom line? If you're making real money trading options, you need actual tax strategy in place now—not in March when it's too late to make adjustments.Chapters: 00:00 - Opening segment02:20 - How options are actually taxed (short-term capital gains, rolling, assignments)06:05 - Active trader vs passive trader: do you want professional trader status?08:35 - The $3,000 capital loss limit explained (and why it's basically a slap in the face)11:05 - Offsetting gains with losses: you can deduct more than $3,000 in the current year13:45 - Tax loss harvesting and why FREC's approach is interesting15:00 - How rolling options creates separate taxable events17:05 - Why the $3,000 limit was never inflation-adjusted (it should be $25-30K today)18:15 - Gambling losses and why they only offset gambling wins20:25 - What your brokerage statement will actually show vs what the tracker shows22:40 - Real estate as a "tax sponge" for offsetting capital gains24:00 - Interest tracing: deducting policy loan interest on Schedule A26:00 - Should you use one policy exclusively for investment loans?28:25 - Why you shouldn't be doing this with TurboTax29:00 - Mortgage interest deduction limits after the Big Beautiful Bill35:20 - Using an LLC for trading: real estate, consulting, or all-in-one?37:55 - Why crypto taxes are endlessly complex (smart contracts, staking, DeFi)47:15 - Wash sale rule: does getting assigned invoke it?55:30 - The Tax Sherpa process: survey, planning, executionKey Takeaways:Options are taxed as short-term capital gains (at your ordinary income rate) in 99% of cases—each contract is a separate taxable event, so rolling creates multiple transactionsThe $3,000 capital loss limit is the NET position—you can offset unlimited gains plus an additional $3,000, then carry forward the remainder into future yearsYour brokerage tracker shows return on equity; Schwab reports each individual trade—they're answering different questions, which is why people are often pleasantly surprised at tax timeIf you're using policy loans to fund trading, you can deduct the interest on Schedule A through interest tracing—but you have to actually pay it and document the allocationProfessional trader status (mark-to-market accounting) is almost never advantageous unless trading is literally your full-time business with substantial daily activity and deductible expensesCustodial accounts for kids don't provide much tax benefit due to kiddie tax rules—and they count against the student for financial aid purposes, unlike parent-held assetsDo your tax planning NOW, not in March—once the year is over, you've lost the ability to make strategic adjustments that could save you tens of thousands of dollarsGot Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE

In this episode, Daniel and Darrick reveal the MLS Hack that allowed Darrick to buy 12 acres with three houses, subdivide the land, and essentially live mortgage-free. They break down how to spot undervalued acreage on the MLS, analyze subdivide opportunities, work within county regulations, and use simple tools like Land Portal to find deals that require zero marketing. If you want free land, a free house, or a smarter way to build wealth through land investing, this episode is a must-watch.What You Will Learn:- How to identify profitable MLS hacks- How subdividing can eliminate your mortgage- Key county rules that make or break a deal- The filters to use in Land Portal to find deals fast- Why “one county removed” is the ideal market================================ 

Full market cycles matter more today than at any point in the last 15 years. Lance Roberts breaks down why valuations, history, and market structure all point to a simple truth: Every bull market is only half the story. The other half is the bear. Lance's approach isn't bullish or bearish. It's risk-focused. Your job as an investor isn't to predict the next crash—it's to avoid catastrophic losses that erase years of gains during the completion of a full market cycle. Lance and Danny Ratliff ponder Tariff Rebates and 50-year mortgages, and Lance and Michael Lebowitz pontificate on what Michael would do if he ran the Fed. Happy Thanksgiving, y'all! 0:00 - INTRO 0:18 - Full market Cycles Encompass Bulls & Bears 4:54 - A History of Markets' Performance 6:33 - Market Cycles Have Rhythm - The Wycoff Cycles 8:39 - There is No Evidence of Imminent Crash 10:14 - Full market Cycle Analyses 11:50 - Navigating Markets Now 14:25 - Betting Against Buffett 17:33 - Market Dynamics Can Drive Bull Markets for a While 20:12 - Tariff Rebates & 50-Year Mortgages 37:42 - What Would Michael Do (if he was Fed Chairman)

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50-year mortgages are likely to increase the likelihood of more "owners" becoming underwater and walking away from their mortgages. This will lead to more bailouts for the financial sector. Taxpayers will pay the price. Be sure to follow Radio Rothbard at https://Mises.org/RadioRothbardRadio Rothbard mugs are available at the Mises Store. Get yours at https://Mises.org/RothMug PROMO CODE: RothPod for 20% off

Download for Mobile | Podcast Preview | Full Timestamps Older Twitch VODs are now being uploaded to the new channel: https://www.youtube.com/@CastleSuperBeastArchive Toddler Germ Warfare Another Year, Another Disastrous Golden Joysticks Dispatch Dongers Denied Where You See Child Predators, Roblox CEO Sees Opportunity Sacrifice Every Child on Earth vs Mud on Elon's Suit Watch live: twitch.tv/castlesuperbeast Go to http://shopify.com/superbeast to sign up for your $1-per-month trial period. Exclusive $45-off Carver Mat at https://on.auraframes.com/SUPERBEAST. Promo Code  SUPERBEAST Go to http://rocketmoney.com/superbeast to cancel your unwanted subscriptions. Go to https://FactorMeals.com/castle50off and use code castle50off to get 50% off your first box, plus Free Breakfast for 1 Year. Level up your game and get 10% off @TurtleBeach with code CASTLE at http://turtlebeach.com/castle #turtlebeachpod Invincible Vs won't resolve time overs in the traditional way that most fighting games do. It has Sudden Death. ZOOPUNK confirmed for PS5, Xbox Series, and PC; reveal trailer Elon('s outfit) vs all the worlds children Former Rockstar Games staff were fired for sharing internal company messages on an employee and union-only Discord server, new report suggests PALWORLD x ULTRAKILL Dragon Ball Worldwide Character Popularity Poll Update Fallout co-creator Tim Cain says today's games suffer from trying 'to be everything for everyone' when they should be learning from '80s games: 'These games were really focused, because they had to be' Roblox CEO Makes Utter Fool Of Himself In Car-Crash Interview Over Child Safety. David Baszucki spoke to the New York Times' Hard Fork podcast about the app's pedophile problem

Click Here for the Show Notes In this episode of Passive Real Estate Investing, Melissa Nash and seasoned lender Aaron Chapman break down the headline everyone's talking about: the 50-year mortgage. They dig into how this could impact affordability, cash flow, inflation, and long-term leverage—and why waiting for “perfect timing” could leave investors completely sidelined. With clear, no-nonsense insights on market demand, refinancing strategy, and smart acquisition moves, Melissa and Aaron outline exactly what investors should be doing right now to stay ahead. Don't miss this one—listen in, then book a strategy call to start mapping out your investment plan today. -------------------------------- Download your FREE copy of:  The Ultimate Guide to Passive Real Estate Investing. See our available Turnkey Cash-Flow Rental Properties. SUBSCRIBE on iTunes   If you missed our last episode, be sure to listen to TBT: Ask Marco - Long or Short-Term Rental? Our team of Investment Counselors has much more inventory available than what you see on our website.  Contact us today for more deals. -------------------------------------------------------- #LearningRealEstate #AskMarco #PassiveRealEstateInvesting #Turnkeyproperties #RealEstatePodcast #Investment #investors #RealEstateInvestors #RentalProperties #TurnkeyProperties #NoradaRealEstateInvestments

Adam Negri believes real estate is the easiest business in the world. In his view, anyone can do it. There is no get-rich-quick angle, just a simple formula: buy a few solid properties each year, stay patient, and before long you'll own a few million dollars' worth of real estate.On this episode, Adam walks through exactly how he built his portfolio following that approach. He explains why he focuses on straightforward residential rentals in working-class neighborhoods, why he avoids office and retail, and why he only invests within a short drive of home.Adam also shares why patience is one of the most important skills for investors, why buying too many properties at once can backfire, and why he is very cautious with leverage.https://rentalincomepodcast.com/episode549Thanks To Our Sponsors:Ridge Lending Group - Making investment Mortgage process simple and stress-free.MidSouth HomeBuyers – Turnkey Rentals In Memphis & Little Rock. Instant Cash Flow On Day One. (Priced between $100,000 to low $200's)Rental Accounting Software Made Easy. Free 30 Day Trial.

Zach Abraham breaks down Trump's floated 50-year mortgages and $2,000 stimulus checks—why both parties will eventually embrace them, why inflation is Washington's favorite trick to hide the real debt, and how America is drifting into a “1930s England” decline by refusing real free-market corrections. A sharp, honest look at anesthesia-economics, vote-buying politics, and what smart investors should actually do next. Schedule your free Know Your Risk Portfolio Review, and subscribe to Zach's Daily Market Recap at  https://KnowYourRiskPodcast.com #Trump #Economy #MortgageCrisis #Inflation #StimulusChecks #ZachAbraham #BulwarkCapital #ConservativePodcast #ChicksOnTheRight #FinancialTruth